Podcasts about certified investment management analyst

Brad Costanzo is the Founder and CEO of Accelerated Intelligence AI, a consultancy that helps businesses integrate artificial intelligence to drive growth, innovation, and efficiency. With a background in investment advisory at Prudential Investments and a Certified Investment Management Analyst designation from The Wharton School, he brings a wealth of experience to his ventures. Brad has a history of successful entrepreneurial endeavors, including strategic exits and the founding of Costanzo Marketing Group and Costanzo Capital. He is also the creator and host of the Bacon Wrapped Business podcast, sharing insights on business growth and innovation. In this episode… Many entrepreneurs chase growth by stacking more tactics over an already overloaded business model. But what if the real bottleneck isn't action but thinking? Instead of asking, “What do I do next?” What if the better question is, “What should I be thinking about differently?” Brad Costanzo, strategic advisor and expert in opportunity engineering, breaks down how shifting your mindset can create outsized results. Brad shares how asking better questions, leveraging AI as a thinking partner, and focusing on frameworks over formulas can simplify growth and amplify influence. He also recounts how one client saved three months of work annually by using AI to analyze data — proving that strategic thinking paired with the right tools can transform a business. Tune in to this episode of the Smart Business Revolution Podcast as John Corcoran interviews Brad Costanzo, Founder and CEO of Accelerated Intelligence AI, about leveraging AI for business growth. Brad shares insights on influence, advisory thinking, and opportunity mining. They also discuss how entrepreneurs can successfully integrate AI into their operations to not only keep up but thrive in an AI-driven world.

Kevin has dedicated his career to helping people prepare for retirement. He assists corporate plan sponsors and their committees in meeting fiduciary responsibilities while guiding employees toward their financial goals.With over 25 years in financial services, he is a Certified Investment Management Analyst and Accredited Investment Fiduciary Analyst. His expertise spans corporate retirement plan design, implementation, and distribution.Before joining Raymond James in 2015, Kevin spent 24 years at Merrill Lynch. He holds a bachelor's degree from Fordham University and is an active member of several professional organizations, including the Investment Management Consultants Association and the Society for Human Resource Management. He also serves on the leadership councils for the National Association of Plan Advisors and The Retirement Advisor Council.Kevin is deeply committed to community service, currently serving on the Board of Directors for Rockland Hospital Guild and the Finance Committee for United Hospice of Rockland. He previously held leadership roles with Meals on Wheels of Rockland, St. Margaret of Antioch Church, and the Boy Scouts of America.His contributions have earned him notable recognition, including Meals on Wheels Business Man of the Year (2015) and the Fordham University Community Leadership Award (2016). He has also been named to the Financial Times 401: Top U.S. Retirement Advisors annually since its inception. In this episode, Eric and Kevin Mahoney discuss:The benefits of thoroughly documenting service hoursEnsuring consistency in delivering value Exercising caution when benchmarking servicesEngaging in holistic retirement planningKey Takeaways:Thoroughly documenting the time and effort spent servicing each client is an important process for advisors who want to truly justify their fees, enhance client retention, and identify both high and low-value engagements.Establishing a fiduciary training program, detailed service plans, and accountability measures is essential to ensure advisors consistently deliver value commensurate with their fees.Benchmarking services and fees against industry standards is vital, but advisors must exercise caution in data input to avoid erroneous conclusions regarding fee competitiveness.Advisors should engage in holistic retirement planning, including employee education, to succeed in the industry, while committees must scrutinize advisors' processes and pricing to meet fiduciary obligations.“If all you're speaking to is investments. You're going to struggle. You need to talk to the plan holistically. You need to talk to employee education. And you have to be committed to the best interest of the participants. And if you do that, I think there's staggering upside potential.” - Kevin MahoneyConnect with Kevin Mahoney:Website: https://www.raymondjames.com/mahoneygroupadvisors/ LinkedIn: https://www.linkedin.com/in/kevinmahoneytmg/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast is general in nature and is provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Discover the transformative power of mindfulness with Lauren Loehning, a trailblazer in financial services and co-founder of Money Well. Lauren shares her inspiring journey of integrating meditation into her bustling career and family life, revealing how the practice has been a game-changer in managing stress and finding clarity. With nearly a decade of Vipassana meditation under her belt and a completed teacher training program, Lauren offers profound insights into the benefits of silent retreats and the serenity that mindfulness brings amid life's chaos. We're excited for you to hear how meditation has become a cornerstone in her life and how it can enrich yours too.But that's not all—we explore how mindfulness and emotional awareness can significantly enhance financial resilience. Lauren delves into the intriguing connections between emotions, meditation, and financial well-being. You'll gain practical tips on understanding the parallels between maintaining consistent financial and mindfulness habits. This episode is your invitation to embrace meditation, not just as a tool for personal growth, but as an essential practice for a balanced and fulfilling life.Guest Bio:With over two decades in the financial services sector, Lauren K. Loehning is arespected Partner at Retirement Impact, where her client-first approach hasearned her a reputation for excellence. As the Co-Founder of Moniwell, sheleads a pioneering initiative blending psychology, science, and technology toredefine financial well-being.Lauren's expertise, spanning financial planning, investment management, andfinancial therapy, is bolstered by prestigious certifications, including CertifiedFinancial Planner® practitioner, Certified Investment Management Analyst®,Certified in Financial Social Work, and Accredited Investment Fiduciary®Her commitment to professional excellence has been recognized by the NationalAssociation of Plan Advisors, with accolades including Top Advisor – All Star(2021-2023) and Rising Star (2016-2020).Connect with Lauren:LinkedIn Connect with Theresa and Ivana:Theresa, True Strategy Consultants: tsc-consultants.com LinkedIn @treeconti, Insta @tscconsultants Ivana, Courageous Being: courageousbeing.com LinkedIn @ivipol, Insta @courbeingSITP team, Step Into The Pivot: stepintothepivot.com LinkedIn @step-into-the-pivot, YouTube @StepIntoThePivot

In this engaging episode of the Purpose-Focused Advisor, Rob reconnects with David Brown, a seasoned financial professional on the Business Development team at Davidson Investment Advisors. David explains why advisors should transform financial planning from a mundane task into a meaningful and memorable client experience. He shares practical strategies to make client interactions more impactful, emphasizing the importance of a differentiated planning process that fosters deeper connections and loyalty. Topics Discussed and Key Takeaways:Life First, Money Second: Emphasize life goals over financial metrics to make planning more relevant to clients.Elevating the Client Experience: Transform meetings into memorable experiences by incorporating personal touches that reflect clients' lives and passions.Engage the Next in Line: Focus on the non-financial spouse and next generation to ensure long-term client loyalty and relevance.Generosity and Philanthropy: Introduce donor-advised funds and charitable giving in a non-intimidating way to build deeper client relationships.Start with Best Clients: Begin implementing differentiated planning strategies with your best clients to build confidence and refine your approach."It's time to make this business fun again and not like going to the dentist. We can really transform the client experience." – David Brown"The formula for our industry going forward is your life first and your money second. Getting that right is really important." – David Brown"Humility goes a long, long way. Admitting when you're trying something new can create a stronger bond with your clients." – Rob BrownAbout David Brown: David Brown, a seasoned professional in the financial industry since 2000, is part of the Business Development team at Davidson Investment Advisors, joining in 2024 after 11 years at RBC Wealth Management. At RBC, he led a national team of Wealth Planning Consultants. His career began as an advisor at Scott and Stringfellow, followed by positions at Wachovia Securities/Wells Fargo Advisors. David holds a Bachelor of Arts degree cum laude from Randolph-Macon College and has earned the Certified Investment Management Analyst® and Certified Private Wealth Advisor® designations. He enjoys family time and sports, especially skiing, tennis, golf, and pickleball.Connect with David Brown: Email: dbrown@dadco.com LinkedIn: https://www.linkedin.com/in/davidlbrownrbc/ Website: https://dadavidson.com/ Episode References:The Truest Fan MastermindConnect with Rob Brown & Phil Calandra:Website: http://truestfan.com/ Facebook: https://www.facebook.com/truestfan LinkedIn: https://www.linkedin.com/in/truestfan/ YouTube: https://www.youtube.com/@truestfancoachingLinkedIn Group: https://www.linkedin.com/groups/8496989/ Facebook Group: https://www.facebook.com/groups/truestfan

Explore investment diversification through stocks and bonds with private wealth advisor Matt Borowski, CPWA®, CIMA®. Learn about the crucial role of financial advisors in guiding diversification decisions and practical tips for diversifying your investment portfolio. Matt will also share investment strategies in the private sector, so hop in!KEY TAKEAWAYSChallenges that come along with greater financial successPrivate investment strategies to diversify your portfolioThe role of financial advisors in your portfolio diversification and investment decisionsSimple tips for diversifying your investments in 2024 Reasons you must be mindful in transferring IRAs to self-directed investmentsRESOURCES/LINKS MENTIONEDThe Ultimate Gift: https://imdb.to/3wUFXfE  Die With Zero by Bill Perkins: https://amzn.to/3wGccPF Edward Jones: https://www.edwardjones.com/us-en Fidelity Investments: https://www.fidelity.com/ Charles Schwab: https://www.schwab.com/ ABOUT MATT BOROWSKI, CPWA®, CIMA®Matt is a partner and senior wealth manager at True North Advisors. As a Certified Private Wealth Advisor and Certified Investment Management Analyst professional, Matt serves high-net-worth individuals and families with an independent, client-centric approach to investment management and holistic financial planning. CONNECT WITH MATTWebsite: True North Advisors: https://truenorthadvisors.com/ LinkedIn: Matt Borowski: https://bitly.ws/3f9MS CONNECT WITH USSchedule a 20-min get-to-know each other call - bit.ly/3OK31kISchedule a 30-minute call to learn about investing with Three Keys Investments - bit.ly/3yteWhxVisit ThreeKeysInvestments.com to download a free e-book, “Why Invest in Apartments”!If you're looking for an affordable healthcare solution, check out Christian Healthcare Ministries by visiting https://bit.ly/3JTRm1IGo deeper into your reflection with the Conscious Investor Growth Exercises. Click the link to access now https://bit.ly/46mLPKu Ready to accelerate your efforts? Click the link to learn more and apply to the Conscious Investor Growth Accelerator. Space is limited to 12 people https://bit.ly/3QA6K76 Join us at The Conscious Investor on Apple Podcasts! Leave an honest rating and review at https://tinyurl.com/24tf2rj9. Your feedback is invaluable to us – let us know your take on our episodes! Please RSS: Review, Subscribe, Share!

From fresh-out-of-dental-school to mid-career-earner to aspiring-retiree, each phase of a dentists' career is unique. Each phase requires a different approach to wealth management (if a dentist plans to thrive in their professional and personal lives). Picking a winning financial strategy doesn't start with finding the right balance between your 401k and your Roth — according to today's guest. Instead, it starts with defining your relationship to money: what are your needs, your priorities, and your goals? Tim McNeely is a leading advisor to dental entrepreneurs, a Certified Financial Planner and a Certified Investment Management Analyst. He has a passion for helping dentists succeed in all stages of their careers, and is also the host of The Dental Wealth Nation podcast, a best selling author and a keynote speaker. We'll ask him: How should young dentists manage their debt and begin the process of building wealth? What are some common financial mistakes that dentists make? What are some benchmarks of which mid-career dentists should be mindful? How financial strategies need to shift as retirement nears? What can dentists learn from the wealth management strategies of the "super-rich?" Are you ready to take the next step in scaling up your practice ownership dreams? Visit getprovide.com.

Google “Topics that people avoid talking about” and money appears on almost any list (along with politics, region, death, and sex). Throw in the often complicated dynamics of family relationships, and it's no wonder that family conversations around finances can be so difficult particularly during critical life transitions that involve financial decisions. Family money conversations is the topic on this episode of CFO at Home with Lori Sackler, Certified Investment Management Analyst, Certified Financial Planner, and author of The M Word: The Money Talk Every Family Needs to Have about Wealth and Their Financial Future. You can find out more about Lori and The M Word by visiting themword.com Key Takeaways: (05:34) Communication barriers can make it difficult for partners to talk about money (07:25) There's a natural difference between the way men and women view money and approach finances (19:12) The Five Step Process to guide you through life's transitions  (29:31) When should you introduce kids into your financial world, educating kids about money Ways to contact/follow: themword.com Contact the Host - vince@thecfoathome.com  

Today's guest is Dana Cornell.   Dana Cornell is a Certified Investment Management Analyst and Certified Financial Planner, whose passion is to take the uncertainty out of investing and provide consistent returns his clients can count on.   Show summary:  In this podcast episode, Dana Cornell shares his journey from working at Morgan Stanley to starting his own firm, Cornell Capital Holdings. He discusses his focus on income replacement and tax efficiency strategies, as well as his role as a capital raiser for real estate developers. Dana explains how his licenses and certifications as a fiduciary set him apart in the financial world and emphasizes the importance of thorough due diligence in making informed investment decisions. He also discusses his involvement in development projects, particularly in the self-storage sector.    -------------------------------------------------------------- Intro [00:00:00]   Dana Cornell's Background and Starting Cornell Capital Holdings - [00:01:11]   Walking Away and Starting a New Path - [00:02:16]   Focus on Income Replacement and Tax Efficiency Strategies - [00:05:09]   The process of bringing capital to deals - [00:08:59]   The role of a capital raiser for developers - [00:09:28]   The number and types of investment opportunities available - [00:11:59]   Building a Team - [00:19:14]   Demand for Income Replacement - [00:20:09]   Contact Information - [00:21:37] -------------------------------------------------------------- Connect with Dana:   Web: https://cornellcapitalholdings.com/ Email: dana@cornellcapitalholdings.com Book: https://www.amazon.com/Legacy-Wealth-Blueprint-Create-Investing-ebook/dp/B097KMXSTY   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Dana Cornell (00:00:00) - So by going and essentially becoming an outsourced team member for our developer, I said to them, Look, I'm going to go raise this money, but you're going to pay me the fee, not the client. So it's very efficient from the client standpoint and it's very efficient from the developer standpoint because they're paying me a few percent. The same thing I used to charge a client, basically, but they deal with me. I handle all that. I raise all the money for them. And on the flip side, the is not paying a fee. So it's very efficient for them unless we're doing some deep planning for them, that type of stuff. And I'll just charge a flat planning fee.   Sam Wilson (00:00:35) - Welcome to the How to scale commercial real estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:47) - Dana Cornell is a certified investment management analyst and certified financial planner. His passion is to take the uncertainty out of investing and provide consistent returns his clients can count on.   Sam Wilson (00:00:58) - Dana, welcome to the show.   Dana Cornell (00:00:59) - Sam Thanks for having me, my friend.   Sam Wilson (00:01:01) - Absolutely.   Sam Wilson (00:01:02) - The pleasure is mine. Dana There are three questions I ask every guest who comes on the show in 90s or less. Can you tell us where did you start? Where are you now and how did you get there?   Dana Cornell (00:01:11) - I'll give it my best shot. So I'm from south of Buffalo, New York. A little town called Olean started pretty typical, you know, middle class family. My father is excavation contractor. My mom was a kindergarten teacher. Didn't really come from money. I didn't know many people that had money. Um, so I started knocking on doors to start talking to people and let them know what I did for a living and see what they needed and how I could help them. That turned into, 17 years later, fortunate to be recognized on the Forbes under 40 list for advisors in the country, best in the state, All that good stuff managed about 1.4 billion with my team and my group at Morgan Stanley and about two years ago decided, you know, I didn't feel like I was doing the best job for my clients, which I'm sure we'll talk about why and how and decided to literally walk away from that, which, as I told you briefly before we started, they asked they asked me if I needed mental health counseling because that's not typically the move in that industry when you reach that level of success.   Dana Cornell (00:02:16) - Um, but I felt strongly about it. I knew there was a better way to build wealth. I knew my ultra wealthy clients did it a different way. And so that's how Cornell Capital Holdings was born.   Sam Wilson (00:02:26) - Wow.   Sam Wilson (00:02:26) - Okay, let's let's let's let's do dive into that a little bit. Walking away because that 1.4 billion in assets under management those are hard earned clients. I mean getting people to put their accounts with you, to trust you with their finances. I mean, that's a that's a tough row to hoe.   Dana Cornell (00:02:44) - It is. It is. Yeah.   Sam Wilson (00:02:47) - And walking and walking away. And when you leave, you leave all your clients behind, essentially.   Dana Cornell (00:02:52) - You have to.   Sam Wilson (00:02:52) - Yeah, you have to.   Sam Wilson (00:02:54) - No wonder. No wonder they asked you. Do you need I mean, you spent 17 years just I mean, beating your head against the desk, getting this done, and now you're like, okay, I got to go. Like, I'm done. Yeah. Have you, have you Let me let me see if there's a nice way to ask this, since you had that move when you when you made that move, was it just like, yes, this is it.   Sam Wilson (00:03:15) - This feels amazing. I'm so glad I did that. And you've never looked back.   Dana Cornell (00:03:19) - Are you asking if they were right, if I needed that mental health counseling?   Sam Wilson (00:03:22) - Don't know. But. No, no, I wasn't asking that.   Dana Cornell (00:03:24) - But no, I have not looked back and I'll tell you why. So, you know, being a traditional financial planner. It's funny. Everybody would always ask me, What's your number? What's the number you need to retire? And it's all relative to what you need, right, and what you spend. Right. But if you reverse that and I talk a lot to my clients now about the reverse financial plan, if you start with income first and buy your time back by buying passive income and being very efficient with it in both not paying tax as best you can and fees to eat away at your your income and your capital. You know that's a it's a much different situation. So when I experienced that for myself investing in real estate syndications and then made the decision that, hey, this is how my ultra wealthy clients have built wealth, this is something I truly you know, I had two little boys show up around the same time.   Dana Cornell (00:04:19) - You know, they're five and and soon to be four now makes it just puts a different perspective on things maybe really reflect internally, hey, am I doing the right thing? So I feel great about what I'm doing and I didn't. You know, so the answer is no. I never looked back. And that's the main reason why, you know, I truly believe in how we're doing it now. And. You got to feel good about what you're doing at the end of the day.   Sam Wilson (00:04:43) - Oh, you do? Undoubtedly. Undoubtedly. Tell me. So what when you when you launch that on your own. How did you decide and what did you decide to focus on? Because you're basically doing the same thing. You've started your own, your own, you know, financial planning firm. But now you can you can call the shots because now you can tell your clients and you can advise your clients, hey, you could invest in this multifamily syndication or whatever it is. I mean, is that the gist?   Dana Cornell (00:05:08) - Exactly.   Dana Cornell (00:05:09) - So so, you know, quite simply, to sum it up, instead of being a more of a generalist, we're just more of a specialist. I focus on your your income replacement and tax efficiency strategies or not working with all of your capital typically. Um, some we do, but most we don't. And it just allowed me to be laser focused on what we're doing and what we're offering. So to answer your question, you know, I had started researching and interviewing different developers and there was a gentleman I knew that that had a similar firm he started 20 years ago, and quite simply they would partner with best in class developers in different asset classes of real estate. And I started with self storage. It's the most I did that because historically as an asset class, it's the most consistent, right? Um, that's where I started. Found a really good team to partner with there. Convince them that they could do more projects if I added fuel to the fire and handle the investor relations on their side.   Dana Cornell (00:06:09) - You know, and I helped coach a lot of developers now to structure their raise, how to find the right investors, how to do all that stuff on one side, and then on the other side, I'm profiling high net worth individuals looking for passive income and tax deductions and matching them to the right projects and teaching them about the risks and where that fits into their portfolio. So that's how it's come together.   Sam Wilson (00:06:31) - Got it. I want to hear your state of the market and interest rates and all of those things and kind of what you're seeing on the development side, maybe as part B here of this showed here today. But maybe before we get there, you said you're only handling portions now of people's income. I think probably previously you're handling the majority of what your clients had and now you're only taking portions of it. How do you how do you structure that? I mean, I think about that just, okay, how do you how do you structure it such that obviously you get paid because you got to still feed your family and I mean, without doing fun to funds and things like that.   Sam Wilson (00:07:06) - How does that process work with you as an advisor helping your clients?   Dana Cornell (00:07:09) - Yeah, so great question. So the beauty of it is, you know, I had worked previously on managing as much of your assets as I could, doing a financial plan charging an annual management fee, very typical wealth management structure. That's fine, but I thought there was a better way to structure the whole thing. So by going and essentially becoming an outsource team member for our developer, I said to them, Look, I'm going to go raise this money, but you're going to pay me the fee, not the client. So it's very efficient from the client standpoint and it's very efficient from the developer standpoint because they're paying me a few percent. The same thing I used to charge a client, basically, but they deal with me. I handle all that. I raise all the money for them. And on the flip side, the is not paying a fee. So it's very efficient for them unless we're doing some deep planning for them, that type of stuff.   Dana Cornell (00:08:01) - And I'll just charge a flat planning fee so it makes it much more economically viable. And the reason I say we deal with typically a portion of their money. Alternative investments are not appropriate for all of your cash. Right. We have liquid alternatives, but you can do that stuff anywhere. You know, I'm not going to charge you 1% to manage your cash and and fixed income exposure. It doesn't make any sense where rates were, especially right now. We can talk a lot about rates if you'd like, but, you know, I'll tell them, look, I can do that for you, but you can do it elsewhere just as efficient and cheaper. All right. Let me add value where I really, truly add value. And that's usually for about half, 40 to 50% of people's liquid net worth.   Sam Wilson (00:08:49) - That's that's really interesting because, I mean, a lot of times what we'll see in the I mean, you're a capital raiser in its own right just with a different kind of spin on things.   Sam Wilson (00:08:59) - And you're doing this through because you have your licenses. You you know, I don't know what they all are probably at this point forgotten a lot of those. There's a lot of probably reporting. I've had too many FINRa licenses over the years and I've kind of blacked out a lot of that. Yeah, it's like I forget a lot of that, but I mean, you have some compliance things to keep up with in reporting things. Maybe they're different than what somebody who doesn't isn't licensed. So how does how does that process work and why have you chosen to go the route you have in bringing capital to deals?   Dana Cornell (00:09:28) - Yeah, you know, I'm glad you brought that up. I appreciate it because I think it's something that sets sets me apart. So from the world I came from, right? I'm a fiduciary based on my licenses and my certifications to the client. Right. A lot of people. And I saw I experienced it myself, you know, going into syndications or a real a private investment of any kind.   Dana Cornell (00:09:50) - Doesn't matter if it's a private investment. It's private meaning the information is not as accessible as buying a publicly listed stock or bond. Sure. So how do you if you don't spend all of your working hours and have 20 years of experience like we bring to do the right due diligence to make sure it's the right fit and then figure out how does that fit into your world as an investor, what percentage, how much you should invest in each project, so on and so forth. So I blend both of those worlds. You're right on one side. I'm a I'm a capital raiser for the developers. I just make it easier for them because I'm one source of capital and I handle all things investor relations and, you know, it makes it streamlined for them. They can go further faster. But I'm really I focus. More on the investor side and being that guide and that bridge to making the right decision. So you're not getting burned, you're not over concentrated. You know what the risks are. I think there's a lot of value being that guy in the middle.   Sam Wilson (00:10:48) - You know how when you're looking because I'm thinking about this and if you're looking at someone's portfolio, what you how many deals do you guys have as available deals to your clients at a time? Because maybe one type of an investment may work for me. I may want you know, I may want something, you know, my stage in life. Like I really don't want necessarily the cash flow right now. I want it to double or triple in the next five years where somebody 75th May want to just flip the coupon. Yep. So how do you have the like what what is your set number of opportunities look like at any given time?   Dana Cornell (00:11:23) - Yeah. So, you know, it's a moving target. It kind of honestly comes by by opportunity and our underwriting process of what deals come through. You're right. So I'm always looking. I spent a lot of my time profiling deals, doing my underwriting, taking it through our process to have different offerings. And we have a menu of probably right now between registered fund offerings that we have access to that you would typically have to put a million or more indirectly to have access and you can get for a much lower minimum with us and the true direct private syndicated deals.   Dana Cornell (00:11:59) - You know, we probably have a menu of ten different options at any point in time, but really of the true privates, 2 or 3 going at one time that are more growth focused cash now, cash later, have your tax advantage trying to hit the main points there. Give them enough opportunity. You know.   Sam Wilson (00:12:17) - How do you stay in front of maybe you just have an amazing team behind you, but how do you stay in front of that many different opportunities and kind of I mean, because that's a lot of communication. That's a lot of I mean, just just reporting back to investors the status of those opportunities and where they're going and what the different moving pieces are like, how do you manage that whole communication flow?   Dana Cornell (00:12:39) - It's leverage. You know, I couldn't do it myself by any means. So it's the the old who to do the whole story. You know, I lean on a lot of other professionals to help me with due diligence to give me third kind of third party non biased opinions on deals.   Dana Cornell (00:12:56) - My team here is handling an awful lot of investor relations and summarizing and synthesizing all that information. So I can then take it, you know, and efficiently kind of put my spin on it and relate it to the investors so I can disseminate that to help them make good decision and keep them updated on what's going on.   Sam Wilson (00:13:15) - Right? No, I think that's great. Tell me a little bit let's let's let's go to part B here of this of this podcast and talk about the. Kind of the state of the economy, what you guys are seeing, especially because it sound like you're doing a lot of development stuff. It's not that you mentioned the word development a couple of times, so it sounds like that's kind of one of the niches that you've picked. Yeah. What's the what's going on in that world? Give us kind of the the the breakdown of where we are and maybe where you see things going.   Dana Cornell (00:13:44) - Yeah. So big question, man. You know, I'm always contrasting in comparing what I call traditional investments, publicly traded stocks and bonds to private alternative offerings.   Dana Cornell (00:13:59) - Um, we could talk about stock market and all that stuff all day long, but I think it's no secret that that market is going to fluctuate. It's going to go up and down. We're coming into an election year. It's going to have good periods. It's going to have bad periods at the end of the day. It's consistency of returns and the predictability of those. That that truly changes the game for people. And that's what you see the ultra wealthy focus on. So when I'm looking at projects, I'm looking at what is the predictability that one of course our principal is protected to if it's an income producing project. And that's why like a lot of our self storage development that where I started. We're building in areas where they have three times the amount of demand or partnering with publicly traded companies to run, operate and eventually acquire those properties. They've checked the box that it all makes sense ahead of time from their standards. So you're borrowing some credibility from a publicly traded company and their team and their resources, right? Instead of, hey, I'm going to I'm going to go out and build my own storage facility.   Dana Cornell (00:15:12) - And I like this spot because I'm biased towards it. And, you know, I think this makes sense and I hope it works. No, there's a lot more going into the research before I'm going to put my name on an offering and put my own money in it because we're doing that, too. You know, I'm not I'm not suggesting anything that we don't have our own capital in one way or another, you know. So.   Sam Wilson (00:15:36) - Think. Go ahead. I'm sorry.   Dana Cornell (00:15:37) - Well, I was just going to say so I think that then leads you to a path of, okay, if it's private investments over public investments where. Right. Real estate. There's a bunch of different flavors of private real estate rates going up so fast. You know, one of the things we did was underwrite all of our projects to historical interest rates. Mm. Commercial real estate historical rates are about 6.5%. Give, give or take. Right. That's what we underwrote that to. Plus a cushion. A lot of projects I saw over the last two years.   Dana Cornell (00:16:13) - We're underwriting the current rates plus a cushion in their pro forma. Well, I have 20 years of experience of seeing rates fall. I know they're not going to stay low. That's the new normal for people. But that's not our reality. That's not the historical average. We haven't been there in the last 30 years. We were for the last few. But if you're not building in that cushion, you're going to see a lot of trouble in a lot of asset classes within real estate and a lot of individual projects. So those are some of the things we're looking at. That's why you've heard me mention development, because I think you can kind of pick and choose your spots there. Um, not to say there's not issues there. It comes down to the project and the developer at the end of the day.   Sam Wilson (00:16:53) - Right. No, absolutely. You've mentioned a couple of things, and I want to hear your thoughts on this. You said the two things that you're really working with people on is income replacement and tax abatement.   Sam Wilson (00:17:04) - On the income replacement side of things, how? Because of where interest rates have been climbing, like how how have you combated that in its own right because preferred returns of whatever they were 7% 6% in 2019 were pretty attractive, but 7% in 2023 is like, okay, I can get five and a half at the credit union. So exactly it and I can get it out tomorrow is not tied up for five years. So what are you doing on that front to kind of structure things creatively?   Dana Cornell (00:17:35) - Yeah. So, you know, it's I talked to developers about this a lot, so it's knowing your marketplace and knowing where you're at in this market cycle. And you're right. So now the risk free rate of money, you've got to beat five 5% to make it even worth your time to get out of bed. Correct. So how do you change your offer and how do I find offerings that are more income focused in more of a really right now, a lot of what we've been doing is not as much growth focused, right? It's cash flowing properties or soon to be cash flowing properties at enough of a of a current yield to make it worth you know it is the eight, nine, 10% income.   Dana Cornell (00:18:15) - Right. Um, and it's looking at other asset classes, you know, real estate's great, but you got to keep your eyes open for everything. We do a lot of small business acquisition as well. Um, you move to where the risk isn't as much and in turn that creates more opportunity. And right now it's higher income tax deduction and less growth type strategy That seemed to work right now.   Sam Wilson (00:18:39) - Right. Oh, man, that's really, really cool. I love I love what you've done here. Dana. This is really cool. The just the I mean, leaving big business, leaving a $1.4 billion portfolio of assets under management to go do what you really feel in your heart is the right thing to do. I think is is admirable. And you know, it's it's cool to watch. Just see what you've done that on that side of things. Let's talk let's talk staff, building teams, those sorts of things. We touched on this slightly, but when you venture out on your own and and maybe you already knew, you're like, okay, I'm going to step out and it's going to be a home run.   Sam Wilson (00:19:14) - I have no I don't think this would be a problem at all. But or maybe there was some apprehension as you went out on your own and said, we're going to launch this thing. What's it been like building a team around you to help you guys run your day to day operations?   Dana Cornell (00:19:25) - Yeah, you know, it's it's been an interesting learning curve. When I left, I thought I could be. I thought I'd be more of a and I still am, but I thought it'd be more of a lifestyle type situation, kind of a one man band, limited staff, that type of thing. What surprised me, even though I knew and it proved concept, was the demand for people looking for the two main issues I solve for, you know, income replacement, passive income by cash flow don't pay tax on it. That's our core thesis, right? So the amount of investors reaching out, wanting help with that, whether it be on the planning side or just implementation of that, was overwhelming.   Dana Cornell (00:20:09) - So Morgan Stanley taught me about I mean, that's the beauty of a corporate structure. You see. You see how that works. You see how teams are built, an organizational structure, but it's also done for you, right? So I had to spend a lot of time increasing my learning curve and finding the right people. And that took a while. You know, we went through a few people that I thought were the right spots initially, and initially they probably were. But the business evolved so quickly, you know, we kind of had to increase capacity and increase the capacity of our people to fulfill that spot. So yeah, man, it's been a it's been a learning curve and it's a continuation of that learning curve as we continue to grow, Right?   Sam Wilson (00:20:54) - No, that's cool. That's cool. Thank you for taking the time to share that with us, Dana, And thank you all for taking the time to come on the show today and just tell us what motivates you, What makes you get out of bed and why you're excited about doing what you're doing right now.   Sam Wilson (00:21:07) - I think it's awesome. And I really appreciate it, too, because me and the number of financial advisors and financial professionals I talked to that are just their hands are tied. I mean, they're like, Man, I love what you're doing. I love, you know, I love that private real estate, private syndication, private business, any of those types of investments there. Like we can't touch with a ten foot pole. We just we're just forbidden from from doing so. So thanks for stepping out and doing what you're doing. This is. Great if our listeners want to get in touch with you and learn more about you, what is the best way to do that?   Dana Cornell (00:21:37) - Our website, Cornell Capital Holdings with an you can join our investor network. There's a button on there and you can email me directly. It's just Dana at Cornell Capital Holdings within. Com. Tim Thanks for having me on, man. This has been fun. Thanks for letting me tell my story.   Sam Wilson (00:21:52) - Absolutely. Thank you for telling it again.   Sam Wilson (00:21:54) - Cornell Capital Holdings. We'll make sure we include that there in the show notes. You get the spelling on that. Exactly correct. Cornell Capital Holdings. Dana, thank you again. The pleasure was all mine. Thanks, Sam. Hey, thanks for listening to the How to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.

Episode Notes Bruce and Jeff ring in 2023 with their guest Charles Rowlan, senior vice president of business development at Advyzon. They discuss Charles' extensive research on the ever-evolving advisor fee model. Guest Bio: Charles (Chuck) Rowlan is a Senior Vice President of Business Development for Advyzon. In his current role, Chuck works to promote, implement, and sell Advyzon's comprehensive solution for registered investment advisors across a 16 state region. Previously he held various positions within Morningstar Investment Management and Morningstar, Inc. During this time Chuck spent time working with Morningstar's TAMP, 401k managed accounts, fiduciary services and also worked closely with Morningstar's software tools including Morningstar DirectSM and Morningstar OfficeSM. Prior to joining Morningstar, he was a financial advisor at Wells Fargo Advisors. He has over fifteen years of investment industry experience. Chuck holds a bachelor's degree in Finance from Baylor University and the CERTIFIED FINANCIAL PLANNERTM designation as well as the CERTIFIED INVESTMENT MANAGEMENT ANALYST® designation.

ESG investment refers to the practice of considering environmental, social, and governance factors in the investment decision-making process to generate sustainable and responsible returns.  It was great to connect with Angela Ashton from Evergreen Consultants to discuss building portfolio with this lens but also some of the current challenges in the market. Angela founded Evergreen in 2016 and is ultimately responsible for all investment activities at Evergreen.  Angela has 30 years' experience in investment markets. She has held senior investment roles at QIC, was Head of Ratings at van Eyk Research and General Manager, Managed Funds Research at IWL Ltd (now CommSec). She has contributed to the industry through serving on a number of education committees with groups such as Kaplan and the Investment Management Consultants Association (IMCA). Angela holds a Bachelor of Science, Bachelor of Economics, a Graduate Diploma in Applied Finance, Master of Commerce (Finance) and has completed the Certified Investment Management Analyst course. She is a Fellow of FINSIA To calculate the ERIG Index score, using the Responsible Investment Association Australasia's (RIAA) Responsible Investment Spectrum as a foundation, Evergreen Consultants look at seven capabilities: impact investing, active ownership, negative screening, positive screening, ESG integration, norms-based screening, and sustainability-themed investments.  Connect with Angela here: Website: https://www.evergreenconsultants.com.au/main/index.html#esg LinkedIn: https://www.linkedin.com/in/angela_ashton   Resources from RIAA (Responsible Investment Association): https://responsibleinvestment.org/what-is-ri/ri-explained/ https://responsibleinvestment.org/fact-sheets-and-guides/   Thanks for listening!  We love your support, please subscribe, review, comment and share this episode to help empower and educate more folks around the money stuff!   Check out more about us here: www.moneymechanics.com.au www.scottmalcolm.com.au Check out our Financial Service Guide and Privacy Policy here.   Follow and like us on socials: Instagram: @moneymechanics Twitter: @moneymechanics   Money Mechanics Pty Ltd (ABN 64 136 066 272) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd (ABN 47 097 797 049) AFSL and Australian Credit Licence No. 236523   General Advice Warning Information in this podcast has been prepared for general information purposes only and not as specific advice to any particular person.    Any advice contained is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs.  Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  Past performance of financial products is no assurance of future performance.  Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products which may be mentioned in this podcast.See omnystudio.com/listener for privacy information.

In this episode with Greg Goff, let's dive into different insurance choices and what might work for you. Listen to how Greg's friend lost a large sum of his retirement savings on taxes. If you don't want to make the same mistake, tune in and start planning your finances today!   Key takeaways to listen for The advantage of diversified long-term investments under economic volatility How much emergency fund should you save More reasons to reach out and work with a financial professional Roth IRA: What it is and how it can benefit your kids How a background knowledge in investment can lead you to best decisions   Resources mentioned in this episode Jim Cramer Roth IRA   About Greg Goff Greg is a CERTIFIED FINANCIAL PLANNER™. Greg learned the value of comprehensive financial planning while working as a Financial Advisor at a Fortune 500 firm. Knowing there was a disconnect between financial planning and entrepreneurship, Greg founded Sound Wealth Management, a financial planning firm focused on serving business owners. Greg is also a Certified Investment Management Analyst®, Chartered Financial Consultant®, and a Chartered Life Underwriter®. Greg enjoys spending time with his wife, Kinsley, their daughter, and their two rescue pups, Marlow and Cooper. They enjoy exploring all Greenville, SC, offers and visiting family in Hilton Head and Charlotte.   Connect with Greg Website: Sound Wealth Management  LinkedIn: Gregory Goff, CFP® Facebook Page: Sound Wealth Management Instagram: @soundwealthmanagement  YouTube: Sound Wealth Management  Email: greg@soundwealthm.com   Connect with Leigh Please subscribe to this podcast on iTunes or the Podcasts App on your phone, and never miss a beat from Leigh by visiting https://leighbrown.com. DM Leigh Brown on Instagram @ LeighThomasBrown.  Subscribe to Leigh's other podcast Real Estate From The Rooftops   Sponsors Leigh Brown University – New On-Demand Training How to Dominate During This Recession! Enroll Now to get ahead of the curve and learn how to manage changing markets, the action steps for what to do, and most importantly, what to say so that you can secure listings, assist more buyers, and grow your business no matter what the market is doing. Link: http://dominatethisrecession.com

It's hard to figure out what is going on with the stock market. Today I sit down with Ethan Kelly who is the founder of Providence Capital Management and is the CFO at Wesley Biblical Seminary. He has a knack for helping institutions think about leveraging their assets for their mission.Youtube - https://youtu.be/9z7yCyIftcMAudio - https://andymilleriii.com/media/podcastApple -  https://podcasts.apple.com/us/podcast/more-to-the-story-with-dr-andy-miller/id1569988895?uo=4Ethan Kelly founded Providence Capital Management after spending several years in the investment advising industry. Investing is one of Ethan's passions, along with Ole Miss football and studying history (he is currently reading Winston Churchill's History of World War Two). Ethan graduated from Asbury University with a double major in History and Political Science and a double minor in Business and Economics. He has a J.D. from Mississippi College School of Law and the Certified Investment Management Analyst designation (CIMA®) from Yale School of Management and the Investments and Wealth Institute. Ethan can be contacted at ethan@providencecm.com. You can find out more about his company here - https://www.providencecm.com/Contender: Going Deeper in the Book of Jude - This all-inclusive small group study on the book of Jude is out now. Check it out on the course page: http://courses.andymilleriii.comFive Steps to Deeper Teaching and Preaching - I'm excited to share some news with you.  Recently, I updated this PDF document and added a 45-minute teaching video with slides, explaining this tool. It's like a mini-course. If you sign up for my list, I will send this free resource to you. Sign up here - www.AndyMillerIII.com or Five Steps to Deeper Teaching and Preaching. Today's episode is brought to you by these two sponsors: Bill Roberts is a financial advisor, who has been serving the retirement planning and investment needs of individuals, families, non-profits, and churches for 25 years. He is a Certified Financial Planner and accredited investment fiduciary. Bill specializes in working with Salvation Army employees and officers by helping them realize their financial goals.  You can find out more about Bill's business at www.WilliamHRoberts.comANDWesley Biblical Seminary - Interested in going deeper in your faith? Check out our certificate programs, B.A., M.A.s, M.Div., and D.Min degrees. You will study with world-class faculty and the most racially diverse student body in the country. www.wbs.eduThanks too to Phil Laeger for my podcast music. You can find out about Phil's music at https://www.laeger.net

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Bruce and Jeff ring in 2023 with their guest Charles Rowlan, senior vice president of business development at Advyzon. They discuss Charles' extensive research on the ever-evolving advisor fee model. Guest Bio:Charles (Chuck) Rowlan is a senior vice president of business development for Advyzon.  In his current role, Chuck works to promote, implement, and sell Advyzon's comprehensive solution for registered investment advisors across a 16 state region.Previously he held various positions within Morningstar Investment Management and Morningstar Inc.  During this time Chuck spent time working with Morningstar's TAMP, 401k managed accounts, fiduciary services and also worked closely with Morningstar's software tools including Morningstar DirectSM and Morningstar OfficeSM.  Prior to joining Morningstar, he was a financial advisor at Wells Fargo Advisors. He has over fifteen years of investment industry experience.Chuck holds a bachelor's degree in Finance from Baylor University and the CERTIFIED FINANCIAL PLANNERTM designation as well as the CERTIFIED INVESTMENT MANAGEMENT ANALYST® designation.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Brent Mekosh is a CFP™ and Professional and Certified Investment Management Analyst®, that brings a brilliant, entrepreneurial perspective to his clients and community alike. Brent's first book, In the Shadow of a Black Sun will be published in early 2023. Brent lives in Phoenix with his wife Paige, their children Nicholas and Arden, and their dog Kansas. He is a certified SCUBA diver and an instrument-rated pilot. In addition to working with his clients, Brent enjoys trail running, camping, cooking, playing the guitar (badly), and reading lots of history.  Enjoy this episode as Brent and Lou connect on Thrive LouD. ***CONNECT WITH LOU DIAMOND & THRIVE LOUD***

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Our guest on the podcast today is Roger Whitney. Roger hosts the popular Retirement Answer Man podcast, and he's also the author of a book called Rock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future. He's also senior financial planner at Agile Retirement Management and the creator of the Agile Retirement Management Process. Roger has a CFP certificate and has earned numerous other designations, including the accredited Investment Fiduciary, Certified Investment Management Analyst, and Retirement Management Advisor designations. Investopedia has named him to its list of 100 Top Financial Advisors in the U.S. on five occasions.BackgroundBioThe Retirement Answer Man podcastRock Retirement: A Simple Guide to Help You Take Control and Be More Optimistic About the Future, by Roger WhitneyRock Retirement ClubCurrent Environment, Tax Matters, and In-Retirement Spending″#309: Crashes, Retirement, and Bears, Oh My! How to Protect Your Retirement Lifestyle,” The Retirement Answer Man podcast, rogerwhitney.com, Jan. 22, 2020.″#421: How Will Inflation Impact My Retirement?” The Retirement Answer Man podcast, rogerwhitney.com, Feb. 9. 2022.“#411—Overcoming Frugality,” The Retirement Answer Man podcast, rogerwhitney.com, Dec. 1, 2021.“#386: Retirement Withdrawal Strategies: The Safety-First Approach,” The Retirement Answer Man podcast, rogerwhitney.com, July 14, 2021.“#282: Is an Annuity Right for Retirement? The Pros and Cons of Fixed Annuities,” The Retirement Answer Man podcast, rogerwhitney.com, July 17, 2019.“The RISA Framework: A Systemized Approach to Personalizing Retirement Income Strategies for Clients,” by Alex Murguia and Wade Pfau, kitces.com, April 20, 2022.“#456: Should I Switch My Bond Portfolio to CDs?” The Retirement Answer Man podcast, rogerwhitney.com, Oct. 12, 2022.“#310: Crashes, Retirement, and Bears, Oh My! Investing in Retirement: The Pie Cake,” The Retirement Answer Man podcast, rogerwhitney.com, Jan. 29, 2020.“How to Simplify Your Decision Making Process for Retirement Planning,” by Roger Whitney, forbes.com, Oct. 13, 2020.“#455: Which Account Should I Begin Drawing From First In Retirement?” The Retirement Answer Man podcast, rogerwhitney.com, Oct. 5, 2022.Real Estate“#383—Listener Questions: Should I Pay Off the Mortgage or Keep the Cash if I'm About to Retire?” The Retirement Answer Man podcast, rogerwhitney.com, June 23, 2021.“#452—Should We Consider a Mortgage for Building Our Retirement House?” The Retirement Answer Man podcast, rogerwhitney.com, Sept. 14, 2022.Other“Dana Anspach: How to Build an All-Weather Retirement Plan,” The Long View podcast, Morningstar.com, Oct. 18, 2022.“#311: Will I Need Long-Term Care? Reviewing the Statistics With Christine Benz From Morningstar,” The Retirement Answer Man podcast, rogerwhitney.com, Feb. 5, 2020.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the Fed and Inflation. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, rate hikes, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, rate hikes, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, rate hikes, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, rate hikes, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, inflation, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, inflation, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes.

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, inflation, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, inflation, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes

Certified Investment Management Analyst and Asset Strategy's Director of Research, Rosario “Sal” Salamone discusses the S&P 500, inflation, and the Fed. Advisory services are offered through Asset Strategy Advisors, LLC (ASA), an SEC-registered investment adviser. Insurance services are offered through Asset Strategy Financial Group, Inc. (ASFG). CIS, ASA, and ASFG are separate companies, all of which are independent of Anchor, Google Podcast, Spotify, & iTunes

Dana Cornell is a Certified Investment Management Analyst and Certified Financial Planner, who's passion is to take the uncertainty out of investing and provide consistent returns his clients can count on. Dana has over 20 years of experience in the financial industry, and Cornell Capital was born out of a need recognized to truly create consistent, predictable income and wealth creation. ***CONNECT WITH LOU DIAMOND & THRIVE LOUD***

Nick is currently the Vice President and Chief Compliance Officer at Financial Services of America. Nick handles the day to day back-office operations at FSA Advisors where he opens new accounts, maintains current accounts, and manages portfolios. Nick is a Certified Investment Management Analyst and holds several other licenses including the series 7 and 66. Linkedin: https://www.linkedin.com/in/nicholas-shaheen-cima%C2%AE-780321153/ WMA website: http://msuwma.com WMA YouTube: https://www.youtube.com/channel/UCT-eaRPTd0R1WlrLkRBweuQ Contact: msuwma@gmail.com Song credits: Red Hot Chili Peppers - Snow (Hey Oh) https://www.youtube.com/watch?v=4iepT_0xpb0

In this episode, you'll hear about: -The current state of women advisers-The a-ha moments for Haleh and Kacie and why they became ESG advisers-How utilizing ESG has helped them succeed-How ESG practices can keep women in the advisory space throughout their careers-The power of values-based client relationships that are at the heart of sustainable investing, and why that is opportunity for women advisers-Outlooks for sustainable investing in 2022ESG study shared with SEC reveals fund labels are often uselessGuest Bios:Haleh (pronounced Holly) Moddasser is the senior vice president and lead advisor of our Chapel Hill office, where she works with clients of all ages and in all stages of life. Haleh also leads Stearns women's advisory practice where she focuses on issues surrounding women and finance, as well as ESG investing as a tool for creating social change. She is the author of two books; Women On Top: Women, Wealth & Social Change and Gray Divorce, Silver Linings: A Woman's Guide to Divorce After 50 (Stearns Financial Group Field Guide Series Book 1). Haleh speaks at local and national events and serves as a media resource on a wide range of financial topics. Prior to joining SFG in 2011, Haleh used her CPA credential at Price Waterhouse Coopers and in a treasury and finance role at a public company.Kacie Swartz has been helping individuals and families pursue financial independence as a CERTIFIED FINANCIAL PLANNER™ practitioner since 2012. Kacie is an advocate of socially responsible investing and is a frequent public speaker promoting general financial literacy and educating investors about sustainable investing. Her background in investment education makes her a good fit for clients broadening their knowledge of financial planning and investments and helping people through major life changes like ending a marriage or losing a spouse.Kacie's interest in Environmental, Social & Governance funds (ESG) started as an extension of her personal commitment to living a more sustainable lifestyle. Kacie turned her years of experience constructing advance portfolios as a Certified Investment Management Analyst® to researching ESG fund options. She found clients were also drawn to the topic and has helped countless people better understand how their dollars are invested and how best to align their values with those investments. Kacie has spoken to local groups, including the Austin Women's Investing Group, about the fundamentals of ESG investing and how to get started. Kacie also recently spoke to other advisors about ESG investing as a panelist at the Investment News Women Adviser Summit in New York City.

David Flores Wilson, CFP, CFA, editor of Planning to Wealth, has a passion for serving as a resource to friends, colleagues and clients. After years of advising individuals on the side, David established Planning to Wealth in an effort to find new ways to better serve his clients and provide accessible, quality financial advice. Providing everything from financial planning tips and wealth management guidance to travel hacks for your next vacation. David aims to be the go to resource for all financial topics and life planning considerations. His financial guidance has appeared on Yahoo!Finance, Investopedia, CNBC, Investment news and others. In addition to managing his blog, David is a Senior Wealth Manager and financial planner at Watts Capital in New York City where he has been working for over 9 years. There, David advices and coaches business owners and professionals on a broad spectrum of financial matters as they make progress towards their goals and dreams. Prior to joining Watts Capital, David was a VP in Fixed Income Division at Barclays Capital. He received a BS from the University of Berkeley and holds the Certified College Financial Consultant, Certified Divorce Financial Analyst and Certified Financial Planner designation. David the IMCA Alternative Investments Certificate and completed the Certified Investment Management Analyst certificate program from The Wharton School at the University of Pennsylvania. David enjoys traveling, reading Brazilian Jiu-Jitsu, yoga and snowboarding. During this show we discuss: • The key financial skills people lack when starting up their business • How to correctly navigate your financial plan when you're about to launch your business • 5 things a startup entrepreneur can do to thrive in today's economic climate • 5 tips entrepreneurs and startup can use to aid financial management • Two proprietary investment strategies entrepreneurs can follow to yield financial growth • Getting started with risk management as a small business owner • How to correctly manage a sudden windfall in your finances • How to become proactive with your finances • All need to know about building an emergency fund for your business • 3 financial strategies I can use to maximise savings • Methods you can use to reduce your income taxes and save more • The smartest financial move entrepreneurs can make in their business

Deanna Farrugia is the author of The Life Strengthening Book; One Lesson at a Time and a Certified Investment Management Analyst, Gallup Certified Strengths Coach, Certified DISC & Motivators Coach, a Certified Public Speaker, a Culture Strengthening Specialist paying it all forward to those who desire to be better. She enjoys working with Emerging Executives, guiding them toward purposeful and intentional careers while avoiding burnout and helping companies create all-inclusive cultures and diversity of thought.