Podcasts about cfp

There are so many little details and rules to know about as you head into retirement and today I'm sharing 8 rules that I think everyone should know about before entering retirement.

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt and Rabih dive into a mix of timely economic news and patriotic fun. They break down the latest trade developments involving the U.S., China, and Vietnam, and unpack the potential ripple effects of Canada's new digital services tax. The duo also weighs in on the economic implications of the so-called “Big Beautiful Bill” (BBB) and what it could mean for markets and dentists. To wrap things up, they test their knowledge—and yours—with a spirited round of Fourth of July trivia. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Financial independence isn't just about retiring early. It's about gaining freedom, flexibility, and the ability to choose how you live and work. In this episode of The Wise Money Show, we break down the five essential steps you can take to move toward financial independence, whether you're just starting out, nearing retirement, or somewhere in between. We're covering: - What financial independence really means (and how it's different from retirement) - The first step: gaining control over your cash flow - Why increasing your savings rate matters more than you think - Smart investing strategies that align with your goals and risk tolerance - How to reduce your lifetime tax burden through tax diversification - The importance of building your own 5-factor retirement plan Season 10, Episode 46 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/LGc0mxm1rcY  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Thinking about changing jobs or just got promoted? In this episode, Tim and Tim cover 7 key financial considerations, from negotiating offers to managing benefits, to help you navigate the transition with clarity and confidence. Episode Summary If you recently changed jobs or just landed a promotion, congratulations! A new opportunity, whether internal or external, often brings exciting possibilities…and important financial decisions. In this episode, 7 Key Financial Considerations During a Job Transition, YFP Co-Founder & CEO, Tim Ulbrich, PharmD is joined by YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP® to walk you through the most important financial areas to think about when navigating a job change or stepping into a new role. They cover how to: ✅ Evaluate and negotiate a new offer ✅ Understand your updated benefits package ✅ Make a plan for your old 401(k) ✅ Align your new compensation with your financial goals ...and more. Whether you're in the early stages of a transition or already in your new role, this episode is your financial checklist to move forward with clarity and confidence. Mentioned on the Show YFP 384: Beyond Salary: Negotiating Your Value in the Workplace Never Split the Difference by Chris Voss YFP 328: How to Navigate Open Enrollment & Employer Benefits YFP Episode 408: What Should You Do With an Old 401(k) YFP Episode 404: 5 Key Questions to Ask When Hiring a Financial Planner  

David Flores Wilson, CFA, CFP®, CEPA®, Co-Founder and Managing Partner at Sincerus Advisory, advises entrepreneurs and business owners in New York City on personal financial planning issues from formation to exit and beyond. A multiple-time Investopedia Top 100 Financial Advisor, his financial guidance has appeared on CNBC, Yahoo!Finance, the New York Times, US News & World Report, and InvestmentNews. David represented Guam in the 1996 Atlanta Olympic Games, sits on the Board of Directors as Treasurer for the Lower East Side Girls Club, and is active with Entrepreneur's Organization, the Estate Planning Council of New York City, Advisors in Philanthropy (AiP), and the Exit Planning Institute.Learn more: https://sincerusadv.com/Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-david-flores-wilson-managing-partner-at-sincerus-advisory

In this edition of the Peristyle Podcast hosts Ryan Abraham, Connor Morrissette (aka "Triple Double") and intern India Otto are back in studio continuing our early Trojan opponent previews, taking a look at the Oregon Ducks and the UCLA Bruins. USC travels to Oregon on Saturday, November 22 with a kickoff time that has yet to be revealed. The Ducks won the Big Ten last season before getting bounced by Ohio State in the CFP. Do our hosts think USC can head into Eugene and get an upset victory? UCLA comes to the Coliseum one week later on Saturday, November 29 for another installment of the crosstown rivalry and no kickoff time has been set. The Rose Bowl was the only Big Ten "road" win for USC last season and the Trojans will try to keep local superiority over the Bruins to end the regular season. The crew also discusses the three players that will represent the Trojans at Big Ten Media Days later in July, wide receiver Makai Lemon, offensive lineman Elijah Paige and safety Kamari Ramsey. Notably absent is starting quarterback Jayden Maiava, who took over the final four games of the season for Miller Moss. ⁠⁠⁠⁠⁠⁠⁠⁠CLICK HERE for 30% OFF an annual VIP membership to USCFootball.com!⁠⁠⁠⁠⁠⁠⁠⁠  Please review, rate and subscribe to the Peristyle Podcast on ⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠! Thanks to ⁠⁠⁠⁠⁠⁠⁠⁠Trader Joe's⁠⁠⁠⁠⁠⁠⁠⁠ for sponsoring the Peristyle Podcast! Make sure you check out ⁠⁠⁠⁠⁠⁠⁠⁠USCFootball.com⁠⁠⁠⁠⁠⁠⁠⁠ for complete coverage of this USC Trojan football team.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

On this mid-week episode we join the upbeat creators of 'Rebel Finance School', Alan and Katie Donegan, for a turbo-charged pep rally aimed at every late-starter who's ever whispered "it's too late for me." We kicked off the Donegans' free 10-week course that's helping thousands around the world on their journey to FI.    

Your portfolio might be balanced on paper—but what about your emotions? In this episode of The Above Board Podcast, John Kennedy, CFP®, explores how fear, bias, and past experiences can quietly steer your financial decisions. From holding too much cash to sticking with a stock out of loyalty, emotional allocation can derail even the best strategies. John shares practical ways to check in with yourself and stay grounded—because real balance isn't just in your investments, it's in how you think about them. 00:34 Understanding Emotional Allocation 01:37 Real-Life Examples of Emotional Allocation 05:23 Behavioral Finance Concepts 06:42 Strategies to Balance Emotional Allocation 10:42 Final Thoughts

Today in History with Bobby, Tony Petitti wants four automatic-qualifiers for the Big Ten in the CFP, Quick Hitters: OSU MBB scheduling, the Bucks sign Myles Turner and Jake Paul, the Steelers-Dolphins make a trade, the Browns are set build their new stadium in Brook Park, and Austin Ward talking the future of the CFP, the QB battle and more.

Learn how to build lasting wealth while making a meaningful impact through long-term investing, smart impact strategies, and navigating today's complex market.   In this episode of the Registered Investment Advisor Podcast, Seth Greene speaks with Ryan Zabrowski, author of Time Ahead: Investor's Guide to Prosperity and Impact, who shares his unique approach to long-term investing that balances financial growth with social responsibility. With over twenty years of experience as a portfolio manager and a background in the Marine Corps, Ryan provides practical insights on impact investing, market cycles, and maximizing returns. He also discusses how emerging trends, such as longevity science, are shaping the future of investing and prosperity.   Key Takeaways: → Explore the core principles behind balancing prosperity and impact in investing. → Learn how long-term focus and price discipline drive successful portfolio management. → Understand common misconceptions about impact investing and how to align it with financial goals. → Discover how emerging trends, such as longevity science, could transform market expectations. → Practical advice for individual investors looking to incorporate impact strategies into their portfolios.   Ryan Zabrowski, CFP®, is an experienced investment advisor and portfolio manager with over twenty years of background in financial and investment management. He has collaborated with well-known institutions such as the Washington University Endowment, Morgan Stanley, and Merrill Lynch before joining Krilogy in 2019. Ryan earned a B.S. in Finance from the University of Missouri and an M.S. in Finance from Golden Gate University. He is a CERTIFIED FINANCIAL PLANNER® (CFP®) and a member of both the Chartered Financial Analyst Institute and the American Finance Association. In 2024, Ryan published Time Ahead, an investing strategy book that summarizes decades of research into an easy-to-understand guide for building long-term wealth.   Connect With Ryan: X LinkedIn   Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on the Dentist Money Show, Matt and Ryan break down the complexities of life insurance for dentists. They explore how to determine the right amount of coverage, the risks of being under- or over-insured, and why spousal income and business value matter in the equation. They also touch on the history of life insurance and some common rules of thumb. Tune in for insights about the importance of planning for risks and having regular financial reviews to protect your family's financial future. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

What does it really take to leave everything behind and start a new life abroad?In this episode, Dr. Jay reconnects with Andy and Libbi to talk about their move from Hawaii to the French countryside—and how financial independence made it possible. From navigating long-stay visas and currency conversions to learning a new pace of life, they share the unfiltered reality of becoming expats.They open up about the emotional side of change, the cultural differences they didn't expect, and how working remotely has given them a new kind of freedom. Whether you've dreamed of retiring abroad, taking a sabbatical, or simply want a lifestyle shift, this episode is packed with honest insight.And yes—it's all about the food!We'll cover:- 00:00 Embracing a New Lifestyle in France- 05:43 Navigating Financial Independence Abroad- 12:50 Cultural Insights and Adjustments- 17:38 The Challenges of Expat Life- 23:44 Finding Purpose and Fulfillment- 29:00 Advice for Aspiring ExpatsMentioned in this Episode:- Andy / Libbi Episode 1:  https://youtu.be/-_Y5wDwWQH8 - Andy / Libbi Episode 2:  https://youtu.be/lj74jGYhFHM - Childfree Wealth® Checkup: https://childfreewealth.com/schedule-a-checkup/ - Work with our team 1:1 like Andy and Libbi: https://childfreewealth.com/core-offering/ Connect with Andy and Libbi on TikTok: https://www.tiktok.com/@theroamingroeds The Childfree Wealth Podcast, hosted by Bri Conn and Dr. Jay Zigmont, CFP®, is a financial and lifestyle podcast that explores the unique perspectives and concerns of childfree individuals and couples. Like the show? Leave us a rating & review! If you want to join the conversation, email us at media@childfreewealth.com, follow Childfree Wealth® on social media, or visit our website www.childfreewealth.com! Join our newsletter HERE. Schedule a meeting with a Childfree Wealth Specialist® HERE. Instagram: @childfreewealth Facebook: @childfreewealth LinkedIn: @childfree-wealth YouTube: @ChildfreeWealthPodcast Disclaimer: This podcast is for educational & entertainment purposes. Please consult your advisor before implementing any ideas heard on this podcast.

If your pension impacted your ability to collect Social Security benefits, 2025 is a very good year for you and your spouse. The Windfall Elimination Provision and the Government Pension Offset are no more, and you're now eligible for your full Social Security benefits AND your pension! Today on a quick Your Money, Your Wealth® podcast number 536, while Joe hangs in the North Star State, Big Al Clopine explains what the Social Security Fairness Act means for Cherilyn and her husband, and "Nuke La Loosh" and his wife, with the help of our special guest co-host, Susan Brandeis, CFP®. Free financial resources & episode transcript: https://bit.ly/ymyw-536 DOWNLOAD The Social Security Handbook (newly updated!) for free YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:47 - Can I Qualify for Half of My Wife's Social Security Now That WEP and GPO Are Gone? (Nuke La Loosh, Northern CA - voice) 08:16 - Is My Husband Eligible for Spousal Social Security Benefits Now that WEP and GPO Are Gone? (Cherilyn, El Cajon, CA) 12:58 - Comment: Your TV Show and Guide on Social Security Are Out of Date (Helen, San Diego) 14:11 - Comment: Even If the TV Show Doesn't Pertain to You Directly, You Can Inform Someone Else (Catherine) 14:39 - Social Security Handbook (newly updated!) - download for free 15:00 - YMYW ranked among the "14 Best Retirement Podcasts and Blogs to Follow" by Due.com, featured on NASDAQ.com 15:21 - Next Week on the YMYW Podcast

As a high achiever, your work never really 'stops'—but should it? You feel pressure from the outside and from deep inside that you NEED to find balance. But balance seems elusive. Just when you feel you've found it, it's gone. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT break down the myth of work-life balance, the cost of blurred boundaries, and how to set limits that work without guilt or career damage. Episode Highlights: Erik introduces the episode by framing the common struggle of work-life balance and the guilt that often surrounds it. (01:31) Matt discusses how high achievers often experience work creeping into home life and the need to define realistic boundaries. (03:56) Erik explains why he believes work-life balance is a myth and argues for alignment of values instead of perfect balance. (06:45) Matt shares his definition of balance: enjoying both work and home life without one impeding the other. (10:07) Matt emphasizes that integration, not perfection, is the key to sustaining relationships and success. (13:51) Matt explains how unresolved work stress affects sleep, health, and emotional presence. (17:52) Erik highlights the role of self-awareness and coaching in identifying when work is intruding on personal life. (19:20) Matt shares the importance of start-stop rituals and sacred times, noting their role in maintaining boundaries. (24:09) Matt encourages leaders to model healthy habits and communicate boundaries to both teams and clients. (27:31) Matt explains how setting boundaries may trigger guilt and discomfort, but it's a normal part of growth. (36:04) Key Quotes: “ Success shouldn't come at the cost of your personal life.” - Dr. Matt Morris, LMFT “The goal isn't balance or like getting the scales to be weighed. It was more of an alignment of value and purpose.” - Erik Garcia, CFP®, ChFC®, BFA™ “Create sacred times for your family and for personal priorities. These are things that are, for the most part, 99% of the time, non-negotiable.” - Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Nick Hopwood, Certified Financial Planner and founder of peak wealth management. He leads the team of CFP's at Peak where they manage 400m in assets under management Go to peakwm.com/gruber to learn more or request your free roth conversion analysis. We just finished the halfway point of the year - where do we stand year to date among different asset classes? New all time highs for markets

In this episode of The Dental Boardroom Podcast, host Wes Read, CPA, CFP, and owner of Practice CFO, sits down with Mike Buckner from Pearl AI—one of the frontrunners in AI-powered clinical analysis for dentistry. Together, they explore how artificial intelligence is transforming dental practices across the country.Mike shares his deep experience with dental tech giants like Solutionreach, Dental Intel, and Weave, and how Utah has become a surprising hub for innovation in dental technology. The discussion highlights the game-changing role of AI in diagnostics, case acceptance, and practice efficiency. They also cover how Pearl AI helps both dentists and patients better understand treatment needs through enhanced imaging and intelligent analysis.Key Points:AI vs. Traditional Software: Traditional SaaS tools are rule-based. AI adds analytical “thinking” capabilities that improve accuracy and efficiency.Pearl AI's Advantage: Pearl uses computer vision to analyze past and current X-rays, surfacing untreated issues and enhancing diagnostic confidence.Boost in Case Acceptance: By overlaying visuals on digital X-rays, Pearl AI helps patients understand their clinical needs—leading to a 20–30% increase in case acceptance.Operational Efficiency: AI helps dentists "do more with less" by optimizing workflows and uncovering treatment opportunities they may have missed.Financial Impact: With 75–85% of dental practice costs being fixed, improvements in efficiency and case acceptance can dramatically affect the bottom line.Patient Communication: Visual clarity offered by AI tools reduces patient hesitation and improves treatment compliance.Hashtags:#DentalAI #PearlAI #DentalTechnology #ArtificialIntelligence #CaseAcceptance #DentalPracticeGrowth #DentalInnovation #DentalXrays #DentalEfficiency #PracticeCFO #DentalBoardroomPodcast #DentistryFuture #AIinDentistry #DentalLeadership #SmartDentistry

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss lifestyle creepBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Cody Garrett, (CFP), joins Brad to discuss the pervasive myth of the middle-class trap in the financial independence (FI) community. Through four case studies, they illustrate how individuals often feel trapped financially due to psychological barriers rather than actual limitations. The conversation provides insights into turning retirement accounts into income and emphasizes the importance of clarity in financial planning. Key Takeaways: The concept of the middle-class trap is primarily a psychological barrier rather than a reality. Financial independence can be achieved through better understanding of retirement accounts and using strategies like the 72T plan. Home equity should be viewed as an asset that can be leveraged rather than a barrier to financial independence. Actionable Takeaways: Challenge Perceptions: Understand and challenge your perception of the middle-class trap. (00:09:58) Utilize the 72T Plan: Consider using the 72T plan for accessing retirement funds early. (00:29:45) Evaluate Home Equity: Assess your home equity as a potential resource for retirement planning. (00:48:41) Timestamps: 00:00:00 - Introduction to the Middle-Class Trap 00:05:02 - Understanding your wealth's potential 00:06:15 - Dispelling the middle-class trap myth 00:12:08 - How psychological barriers affect retirement planning 00:24:05 - Case Study 1: Upper Middle Class 00:41:20 - Case Study 2: Lower Middle Class 00:47:11 - Home Equity Discussion 00:54:27 - Case Study 4: Selling the Home 01:03:49 - Conclusion and Takeaways Major Topics Discussed: Middle-Class Trap Myth: Discussion around the psychological aspects of feeling trapped despite solid financial bases. (00:08:02) Understanding Retirement Accounts: Discussion of how individuals can access funds before age 59½ without penalties through the 72T plan. (00:29:45) Evaluating Personal Wealth: Insights on evaluating your overall financial situation and the importance of understanding the true potential of your assets. (00:05:02) Case Studies: Upper Middle Class: Case study of Katrina and Carlos exploring their retirement potential based on their traditional 401k. (00:24:05) Lower Middle Class: Analysis of Debbie and Don's retirement strategy leveraging their 401k benefits. (00:41:20) Home Equity Discussion: Examination of how home equity affects financial independence and discussing the emotional implications of selling a home. (00:47:11) Final Case Study: The benefits of selling a home to unlock equity and facilitate early retirement. (00:54:27) Key Quotes: "Clarity precedes confidence." — Gain clarity to achieve confidence in financial decisions. (01:03:49) "Pay tax when you pay less tax." — Strategic tax planning for financial independence. (00:33:38) Related Resources: Video Walkthrough of the Case Studies Book Release Notification Sign-Up

The guys hear from the people on their frustrations with Michigan and the media.

What if work became a choice, not a requirement?The Early Retirement Podcast is here to help you navigate the path to financial independence, so you can retire when you want and live how you want. Whether you're nearing retirement or just starting to plan, this podcast delivers clear, actionable insights designed to simplify your biggest financial decisions.We focus on strategies that make a real impact—from tax planning moves that may unlock $100,000+ in lifetime savings, to investment and withdrawal strategies that align with your values and goals. It's not about chasing perfection, it's about creating a plan that gives you freedom, clarity, and peace of mind.Because at the end of the day, early retirement isn't just about leaving your job, it's about building a life you don't want to escape from.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Holly Hirt Mazzocca, CFP®, President of Bartlett Wealth Management, explains the importance of consistency, sharing more about the firm's long history and strengths as a top RIA.

-NDSU opts into the NCAA House Settlement-Eric Peterson of The Forum joins-Bison football recruiting class thoughts-Weekend Gameballs

Hour 3 of June 30, 2025 Jacob Townsend talks about whether the first weekend of the NASCAR in-season challenge worked or not and if the bracket shows the flaws in the system or some bright spots? Then, BYU quarterback Jake Retzlaff is leaving the program, why and what does that do the hopes of a CFP contender? See omnystudio.com/listener for privacy information.

Jillian Johnsrud—mini-retirement evangelist, mother of five, and author of 'Retire Often'—returns to show us why pressing pause can be the ultimate career accelerator. In this episode she explains the three hallmarks of a bona-fide mini retirement and the three ways to snag one: 1️⃣ Negotiate a sabbatical 2️⃣ Slot it between jobs 3️⃣ Pounce when life throws an unexpected layoff or family crisis  

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt and Rabih explore the wide-ranging impact of AI on the economy, including its effects on interest rates, unemployment, and overall productivity. They also talk about some of the challenges AI poses for the job market—particularly for new graduates. Finally, they discuss the role of active investment management in a changing market and stress the importance of consistently tracking personal financial data to drive real progress. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

Losing a spouse is emotionally devastating, and it also comes with complex financial decisions. If you've inherited an IRA and you're under age 59 1/2, the choices you make could significantly impact your financial future. In this episode of Wise Money, we're joined by Matt Hoke to break down the unique rules and options available to surviving spouses under 95.5 who inherit a retirement account.  We'll cover: - The difference between treating the IRA as inherited vs. your own - How to avoid the 10% early withdrawal penalty - When Required Minimum Distributions (RMDs) apply - How to preserve flexibility and optimize tax outcomes - Common mistakes and how to avoid them Season 10, Episode 45   Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/rv5S3wS-89U  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP®, Joshua Gregory, CFP®, and Matt Hoke, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

On today's DNVR Buffs Podcast, Jake Schwanitz and Scott Procter discuss how Marshall Faulk can change the narrative for Coach Prime and Colorado in 2025. How far will Colorado's running backs rotation of DeKalon Taylor, Micah Welch, Dallan Hayden and Simeon Price take them this season? Scott's interview with Gavin Mueller. PFF's college football quarterback clusters ahead of the 2025 season. Drafting the best fictional athletes and more.0:00 Start6:00 DeKalon Taylor18:09 Recruiting21:49 Scott's interview with Gavin Mueller30:48 Gavin Mueller33:00 EA '26 Rankings39:09 PFF CFB Quarterback clusters56:25 Questions: Colorado's running back room.

Getting close to retirement? Here are 5 things you should stop doing before you get started.

This week, we unpack The Optimist, the new Sam Altman biography; revisit OpenAI's early days; and break down Coatue's AI strategy deck. Plus, tips for squeezing in side projects between thought leadership presentations. Watch the YouTube Live Recording of Episode 526 (https://www.youtube.com/live/1CnmEwdH6ME?si=64oVGDyCvXdzJeIj) Runner-up Titles Flow State Altman and AI Day 2 Thinking Growth Mindset Less of you You don't need a Harvard Business Review subscription to know that Running unnecessary hardware in your house Lifelong Costco member here. Pre-populate Everything There's no ROI on a good hotdog Rundown AI Native vs. AI Add-on (https://www.softwaredefinedtalk.com/525) AI Frenzy The Optimist: Sam Altman, OpenAI, and the Race to Invent the Future (https://www.amazon.com/Optimist-Altman-OpenAI-Invent-Future/dp/1324075961?tag=googhydr-20&hvqmt=&hvbmt=%7BBidMatchType%7D&hvdev=c&ref=pd_sl_8w2bwd161h_e) Mira Murati's Thinking Machines Lab valued at $10bn after $2bn fundraising (https://www.ft.com/content/9edc67e6-96a9-4d2b-820d-57bc1279e358) ChatGPT's Enterprise Success Against Copilot Fuels OpenAI and Microsoft's Rivalry (https://www.bloomberg.com/news/articles/2025-06-24/chatgpt-vs-copilot-inside-the-openai-and-microsoft-rivalry) Iyo vs. Io — OpenAI and Jony Ive get sued (https://pivot-to-ai.com/2025/06/23/iyo-vs-io-openai-and-jony-ive-get-sued/) Zuckerberg Leads AI Recruitment Blitz Armed With $100 Million Pay Packages (https://www.wsj.com/tech/ai/meta-ai-recruiting-mark-zuckerberg-5c231f75) After trying to buy Ilya Sutskever's $32B AI startup, Meta looks to hire its CEO (https://techcrunch.com/2025/06/20/after-trying-to-buy-ilya-sutskevers-32b-ai-startup-meta-looks-to-hire-its-ceo/) Message from CEO Andy Jassy: Some thoughts on Generative AI (https://www.aboutamazon.com/news/company-news/amazon-ceo-andy-jassy-on-generative-ai) Clouded Judgement 6.19.25 - The Dropping Cost of Intelligence (https://cloudedjudgement.substack.com/p/clouded-judgement-61925-the-dropping?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F48bf3cef-6d79-4e10-8bb4-ccf48a08341b_1189x729.png&open=false) Coatue's 2025 EMW Keynote Replay (https://www.coatue.com/blog/company-update/coatues-2025-emw-keynote-replay) Slides in online PDF (https://drive.google.com/file/d/1Srl8Y4pBoKtNVYZBxmfj2TEMYM5tp1mE/view) Coatue's Laffont Brothers. AI, Public & VC Mkts, Macro, US Debt, Crypto, IPO's, & more (https://www.youtube.com/watch?v=4JA7n0wTChw) Agents and the Web Remote MCP support in Claude Code (https://www.anthropic.com/news/claude-code-remote-mcp) Agentforce 3, it's agents all the way down. (https://siliconangle.com/2025/06/23/salesforce-launches-agentforce-3-greater-ai-agent-visibility-connectivity/) Google Cloud donates A2A to Linux Foundation- Google Developers Blog (https://developers.googleblog.com/en/google-cloud-donates-a2a-to-linux-foundation/) Linux Foundation Appoints Jonathan Bryce as Executive Director, Cloud & Infrastructure and Chris Aniszczyk as CTO, Cloud & Infrastructure to Oversee Major Open Source Initiatives (https://www.cncf.io/announcements/2025/06/24/linux-foundation-appoints-jonathan-bryce-as-executive-director-cloud-infrastructure-and-chris-aniszczyk-as-cto-cloud-infrastructure-to-oversee-major-open-source-initiatives/) Relevant to your Interests Amazon orders employees to relocate to Seattle and other hubs (https://finance.yahoo.com/news/amazon-orders-employees-relocate-seattle-212945920.html) Microsoft announces advancement in quantum error correction (https://www.nextgov.com/emerging-tech/2025/06/microsoft-announces-advancement-quantum-error-correction/406175/) Datadog DASH: A Revolving Door Of Operations And Security Announcements (https://www.forrester.com/blogs/datadog-dash-a-revolving-door-of-operations-and-security-announcements/) the six-month recap: closing talk on AI at Web Directions, Melbourne, June 2025 (https://ghuntley.com/six-month-recap/) Snap acquires Saturn, a social calendar app for high school and college students (https://techcrunch.com/2025/06/20/snap-acquires-saturn-a-social-calendar-app-for-high-school-and-college-students/) Frequent reauth doesn't make you more secure (https://tailscale.com/blog/frequent-reauth-security?ck_subscriber_id=512840665&utm_source=convertkit&utm_medium=email&utm_campaign=%5BLast%20Week%20in%20AWS%5D%20Issue%20#428:%20One%20UI%20Gets%20Fixed,%20Another%20Falls%20-%2018055641) Checking In on AI and the Big Five (https://stratechery.com/2025/checking-in-on-ai-and-the-big-five/?access_token=eyJhbGciOiJSUzI1NiIsImtpZCI6InN0cmF0ZWNoZXJ5LnBhc3Nwb3J0Lm9ubGluZSIsInR5cCI6IkpXVCJ9.eyJhdWQiOiJzdHJhdGVjaGVyeS5wYXNzcG9ydC5vbmxpbmUiLCJhenAiOiJIS0xjUzREd1Nod1AyWURLYmZQV00xIiwiZW50Ijp7InVyaSI6WyJodHRwczovL3N0cmF0ZWNoZXJ5LmNvbS8yMDI1L2NoZWNraW5nLWluLW9uLWFpLWFuZC10aGUtYmlnLWZpdmUvIl19LCJleHAiOjE3NTMyODQ4NzAsImlhdCI6MTc1MDY5Mjg3MCwiaXNzIjoiaHR0cHM6Ly9hcHAucGFzc3BvcnQub25saW5lL29hdXRoIiwic2NvcGUiOiJmZWVkOnJlYWQgYXJ0aWNsZTpyZWFkIGFzc2V0OnJlYWQgY2F0ZWdvcnk6cmVhZCBlbnRpdGxlbWVudHMiLCJzdWIiOiIxNjY4NDg4My04NTYzLTQ1ZGEtYjVhYy1hYWY2MmEyYzZhZTciLCJ1c2UiOiJhY2Nlc3MifQ.rg-oA59aKciV6Pvwn1GezC8ElCYxg92wPMQ9ORYS5KXLFvsuSRlJj1hjn9rlcpqmY3BtiPSHpPHDC1Sos9J5ZIPaW3Rn7o-5Yu6Rn_0HyGkqHUSCAsU36SZ-9Q9bf7Ibd_fWcRN7G6nuIe2j0OMURacJ30W3jMm6_dBtR-IacPllW7q6yDxlDW-pX50I_xhZ_pZfTa7B7HXimMTOWiJ5S-uddGLDOOqxihxgIa3w96SnK7wiiyx5bwe5r0A7IQBvHOe5yVzrTSOxm5DBSZJwbGx_f36MzDGPtdwsMOojbs3yN5gWRZnlre6h1GkiukeAXHqXTWImfUfxyBS1ebOjOQ) U.S. House tells staffers not to use Meta's WhatsApp (https://www.cnbc.com/2025/06/23/meta-whatsapp-us-house.html) How AlmaLinux and Rocky Linux Have Diverged Since CentOS (https://thenewstack.io/how-almalinux-and-rocky-linux-have-diverged-since-centos/) AI search finds publishers starved of referral traffic (https://www.theregister.com/2025/06/22/ai_search_starves_publishers/) 10 years of platform engineering at SIXT: Lessons in scaling and innovation - Boyan Dimitrov (https://www.youtube.com/watch?v=OtxWxkehkPE) What Would a Kubernetes 2.0 Look Like (https://matduggan.com/what-would-a-kubernetes-2-0-look-like/) kubectl-ai (https://github.com/GoogleCloudPlatform/kubectl-ai) Nonsense Costco Executive Members get extended hours (https://www.axios.com/2025/06/19/costco-hours-executive-members-early-shopping) Listener Feedback Warp (https://www.warp.dev/future) Conferences CF Day EU (https://events.linuxfoundation.org/cloud-foundry-day-europe/), Frankfurt, October 7th, 2025. SpringOne (https://www.vmware.com/explore/us/springone?utm_source=organic&utm_medium=social&utm_campaign=cote), Las Vegas, August 25th to 28th, 2025. See Coté's pitch (https://www.youtube.com/watch?v=f_xOudsmUmk). Explore 2025 US (https://www.vmware.com/explore/us?utm_source=organic&utm_medium=social&utm_campaign=cote), Las Vegas, August 25th to 28th, 2025. See Coté's pitch (https://www.youtube.com/shorts/-COoeIJcFN4). Texas Linux Fest (https://2025.texaslinuxfest.org), Austin, October 3rd to 4th. CFP closes August 3rd (https://www.papercall.io/txlf2025). SDT News & Community Join our Slack community (https://softwaredefinedtalk.slack.com/join/shared_invite/zt-1hn55iv5d-UTfN7mVX1D9D5ExRt3ZJYQ#/shared-invite/email) Email the show: questions@softwaredefinedtalk.com (mailto:questions@softwaredefinedtalk.com) Free stickers: Email your address to stickers@softwaredefinedtalk.com (mailto:stickers@softwaredefinedtalk.com) Follow us on social media: Twitter (https://twitter.com/softwaredeftalk), Threads (https://www.threads.net/@softwaredefinedtalk), Mastodon (https://hachyderm.io/@softwaredefinedtalk), LinkedIn (https://www.linkedin.com/company/software-defined-talk/), BlueSky (https://bsky.app/profile/softwaredefinedtalk.com) Watch us on: Twitch (https://www.twitch.tv/sdtpodcast), YouTube (https://www.youtube.com/channel/UCi3OJPV6h9tp-hbsGBLGsDQ/featured), Instagram (https://www.instagram.com/softwaredefinedtalk/), TikTok (https://www.tiktok.com/@softwaredefinedtalk) Book offer: Use code SDT for $20 off "Digital WTF" by Coté (https://leanpub.com/digitalwtf/c/sdt) Sponsor the show (https://www.softwaredefinedtalk.com/ads): ads@softwaredefinedtalk.com (mailto:ads@softwaredefinedtalk.com) Recommendations Brandon: Discount Tire (https://www.discounttire.com/) Coté: Brimstone Angels (https://en.wikipedia.org/wiki/Brimstone_Angels) Rebels of Reason: The Long Road from Aristotle to ChatGPT and AI's Heroes Who Kept the Faith (https://www.amazon.com/Rebels-Reason-Aristotle-ChatGPT-Heroes/dp/B0FCD969SD?crid=2KBTZJS1P49C2&dib=eyJ2IjoiMSJ9.E2MZsF2Qb-y8u2F4mRTKt5KT39pbgvp_DiV9oA2bPgsqqPJMqdRhIlFh_wyf9wTvia5jPoenX4kfS9HWQAdt5LdXt4zy3NiHbluCozW2B0KUya8M4uCGKdxInNb6npHqJlko7hFE8pzIKtF1X8hJlk02C6nmAb1PN-MsiNB4mZVoFLa9KIFS1Y7zJ8QVc-K5ICucbOAsm6rH-ZgsoyiaO4eFT8-qlzMYHxM4TxUyXx8.hl_-MoO-eXVVzohj3CN42fh3IIQ5wWuiss_O0iiLuHI&dib_tag=se&keywords=John+Willis&qid=1750401917&sprefix=john+will,aps,186&sr=8-1&linkCode=sl1&tag=coteicomthecoteb&linkId=5da48a792d65369c5b69ff1b351b16d6&language=en_US&ref_=as_li_ss_tl) Photo Credits Header (https://unsplash.com/s/photos/Flow?license=free&orientation=landscape)

Are annuities always a bad deal? Not so fast. In today's episode, Richard Rosso & Jonathan McCarty tackle the myths and misconceptions around annuities. From income guarantees to tax-deferred growth, find out how annuities can actually support your retirement strategy—if used the right way. Jonathan shares his changed life as a new father, and a discussion of investor confirmation bias, who's likely to be the replacement for Jerome Powell, and the Shado Fed, tariffs, inflation, and political bias in investing. Rich and Jonathan address the growing impact of AI on the labor market and the velocity of AI. The concept of annuities and life expectancy: How AI can extend your life. Rich's insight to the Texas State Fair and an intriguing business opportunity; Texas History and good music; spending in retirement with stable-income vs variable-income sources. Why most annuities are sold and not planned for. The job of a financial advisor is to be unbiased; origins of the retirement crisis without pensions. SEG-1: Daddy Duty & Investor Confirmation Bias SEG-2: The Velocity of AI in Financial Planning SEG-3: Retirement Spending w Stable vs Variable Income SEG-4: Why Annuities Get a Bad Rap Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=QvoAQJShFsU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "What Oil Prices Are Saying About the Economy," is here: https://www.youtube.com/watch?v=jiMvWO2ZDX8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Fed's Next Mistake," https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AnnuitiesExplained #RetirementPlanning #InvestSmart #AnnuityEducation #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

In this eye-opening episode, host Wes Read, CPA, CFP welcomes Vivek Kinra, founder and CEO of Verific, for an in-depth conversation about artificial intelligence in dentistry.The discussion starts off unscripted and fresh, as Vivek shares his unique journey from software engineering to creating multiple dental technology companies—PPO Profits and now Verific. He details how Verific uses genuine AI to tackle the notoriously complex problem of insurance verification.Together, Wes and Vivek unpack the difference between real AI applications—like machine learning and large language models—and the marketing buzzwords that many companies use to inflate their valuations.Key Points Vivek Kinra's background: Software engineer turned dental technology entrepreneur; built PPO Profits (acquired) and now leads Verific.Insurance verification problem: Decades-old challenge with no single source of truth—Verific uses AI to gather and standardize disparate data.Deterministic vs. Non-Deterministic Software:Deterministic = same output every time (ideal for appointment reminders).Non-Deterministic = varied output (necessary for natural language and understanding context).True AI examples in dentistry:Machine learning for x-rays.Large language models parsing complex insurance documents.Virtual receptionists handling natural conversations.Marketing Hype: Many companies label simple software workflows as “AI” for better valuations and branding.How to spot real AI:Does the system generate new outputs based on context and training data?Is it using models like LLMs or neural networks to understand and adapt?#DentalAI #DentalTechnology #PracticeManagement #InsuranceVerification #ArtificialIntelligence #DentalBusiness #DentalPodcast #MachineLearning #Verific #DentalInnovation #DentistryHypeVsReality #DentalSoftware #DentalBoardroomPodcast

Are annuities always a bad deal? Not so fast. In today's episode, Richard Rosso & Jonathan McCarty tackle the myths and misconceptions around annuities. From income guarantees to tax-deferred growth, find out how annuities can actually support your retirement strategy—if used the right way.  Jonathan shares his changed life as a new father,  and a discussion of investor confirmation bias, who's likely to be the replacement for Jerome Powell, and the Shado Fed, tariffs, inflation, and political bias in investing. Rich and Jonathan address the growing impact of AI on the labor market and the velocity of AI. The concept of annuities and life expectancy: How AI can extend your life.  Rich's insight to the Texas State Fair and an intriguing  business opportunity;  Texas History and good music; spending in retirement with stable-income vs variable-income sources. Why most annuities are sold and not planned for. The job of a financial advisor is to be unbiased; origins of the retirement crisis without pensions. SEG-1: Daddy Duty & Investor Confirmation Bias SEG-2: The Velocity of AI in Financial Planning SEG-3: Retirement Spending w Stable vs Variable Income SEG-4: Why Annuities Get a Bad Rap Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch today's video on YouTube: https://www.youtube.com/watch?v=QvoAQJShFsU&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Articles mentioned in this show: "Iran Struck By U.S.: Markets, Risk, and Rational Investing" https://realinvestmentadvice.com/resources/blog/iran-stuck-by-u-s-markets-risk-and-rational-investing/ "The Dollar's Death Is Greatly Exaggerated" https://realinvestmentadvice.com/resources/blog/the-dollars-death-is-greatly-exaggerated/ "Oil Price Rise, Not Tariffs, Will Cause CPI To Tick Up" https://realinvestmentadvice.com/resources/blog/oil-price-rise-not-tariffs-will-cause-cpi-to-tick-up/ "The Iran-Israel Conflict And The Likely Impact On The Market" https://realinvestmentadvice.com/resources/blog/the-iran-israel-conflict-and-the-likely-impact-on-the-market/ ------- The latest installment of our new feature, Before the Bell, "What Oil Prices Are Saying About the Economy," is here:  https://www.youtube.com/watch?v=jiMvWO2ZDX8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "The Fed's Next Mistake," https://www.youtube.com/watch?v=fZ-J2YfNC5w&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Register for our next live webinar, "Financial Independence Candid Coffee," June 28, 2025: https://streamyard.com/watch/BUr4UuRVt6Uj ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #AnnuitiesExplained #RetirementPlanning #InvestSmart  #AnnuityEducation #SmartInvesting #MarketVolatility #InvestingAdvice #Money #Investing

John Owens CFP®, EA, ECA, CPWA® and Ed Zolotarev CPA, MST, CFP® fill in for AJ and Shane on this milestone 150th episode of The Liquidity Event. FICO (Fair Isaac Corporation) is finally figuring out what to do about your outstanding Klarna loans. We discuss how “buy now, pay later” services might soon impact your credit score.   TLDR: It probably isn't the best idea to finance your DoorDash order over 4 months. Plus, alternative investments are getting a lot of attention right now.  Why are private equity firms suddenly sliding into your DMs?  We examine the dry IPO market as one of the root causes. Then a Reddit question: how many kids should you have from a financial perspective?  Finally, our biggest takeaways from the first half of 2025. Key Timestamps: (6:25) FICO's buy now, pay later integration rollout (9:30) Why financing experiences is financial quicksand (12:20) Ed's Affirm baby monitor financing experiment (15:56) Alternative investments moving down market (19:20) Why the IPO drought is forcing PE firms to get creative (24:10) Reddit question: How many kids should you have? (29:25) First half of 2025 takeaways

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Are individual bonds better than bond funds? What's the actual difference between the two—and why does it matter for your investment strategy?In this episode, Evon Mendrin, CFP®, CSLP®, dives into the key distinctions between individual bonds and bond funds, and what private practice optometrists need to consider when deciding between them. Whether you're aiming for stability, income, or long-term growth in your portfolio, understanding how these investment tools work can guide better financial decisions.In this episode, you'll learn:What a bond actually is and how it functionsThe key differences between owning individual bonds and investing in bond fundsThe pros and cons of each approachWhy “safety” in bonds can be misunderstoodHow market interest rates affect the value of your bonds or bond fundsWhen it may make sense to use one over the other in your financial planResources mentioned:Vanguard: Individual Bonds vs. Bond FundsVanguard: Taxable Bond Investing - Bond Fund vs. Individual BondsUS Treasury DirectS&P Dow Jones: The Hidden Costs of Retail Purchases in Investment Grade Municipal BondsA Wealth of Common Sense Blog: Owning Individual Bonds vs. A Bond FundRelated Episodes:Podcast Ep 58: Investing Fundamentals – Understanding Stocks, Bonds, Mutual Funds, and ETFsEp 134: The Case for Index Funds – Why Optometrists Should Embrace Passive InvestingStay Connected:Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

You've probably heard that maxing out your 401(k) and IRA is the smartest move you can make. But for many investors, that strategy alone may lead to a surprising challenge: becoming "qualified rich, cash poor." In other words, having plenty saved, but locked away in accounts you can't easily access without tax consequences or penalties.That's where the often-overlooked brokerage account comes in.Also called a taxable, individual, or joint account, the brokerage account offers unmatched flexibility. No age restrictions. No early withdrawal penalties. And potential long-term capital gains tax treatment instead of higher ordinary income rates. That can make a big difference when it comes time to actually enjoy what you've saved.More than just a retirement supplement, brokerage accounts give you the freedom to fund mid-term goals, adjust to life's unexpected changes, or even retire earlier. They also play a key role in long-term tax planning by allowing you to pull from different types of accounts—pre-tax, Roth, and brokerage—based on what's most efficient each year.A truly thoughtful financial plan isn't just about growing wealth. It's about having access to it, when and how you need it most.-Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

On today's DNVR Buffs Podcast, Ryan Koenigsberg and Jake Schwanitz discuss Colorado's second 2026 cornerback commitment in as many days. Three-star CB Maurice Williams flipped from Liberty to Colorado yesterday solidifying Colorado's secondary for the future. RJ Johnson, Tawfiq Byard, TJ Branch, Noah King and now Preston Ashley and Maurice Williams will be where the conversation starts with Colorado's secondary for 2026 and beyond. Quentin Gibson is showing off his lethal playmaking ability in play led practices. Preston Ashley proves why he is already becoming a fan favorite before even stepping on campus. Reacting to Pablo Torre's investigation into the NFL owners and their collusion. TJ Houshmandzadeh on what he heard about the Cleveland Browns' quarterback competition. The latest news around college football and much more.0:00 Start3:00 Maurice Williams15:38 Preston Ashley18:50 Stripe Out22:40 NFL Collusion32:15 Recruiting33:00 Browns Quarterback Competition37:05 CFB Revenue Sharing45:30 Pac 12 Talk47:55 Chats

Does a 1% AUM fee really cost you 25% of your returns? Tim Ulbrich and Tim Baker run the numbers and give you a framework to evaluate the real cost and the real value of financial planning. Episode Summary YFP Co-Founder & CEO, Tim Ulbrich, PharmD, and YFP Co-Founder & COO, Tim Baker, CFP®, RLP®, RICP®, tackle a common concern about working with a financial advisor: Does paying a 1% fee for assets under management (AUM) really eat away a quarter of your investment gains over time? We run the actual numbers using compound interest calculators to see how much a 1% advisory fee could cost over the long term and whether the 25% claim holds true. But this episode isn't just about math. Tim and Tim also zoom out to look at the bigger picture: What's the ROI of the fee you're paying? Because it's not just about investment returns, it's also about the potential behavioral coaching, tax strategies, withdrawal planning, and comprehensive financial guidance that a good advisor brings to the table. Whether you're a die-hard DIY investor, already working with an advisor, or considering working with a financial planner for the first time, this episode will give you a practical framework to evaluate the real cost and real value of financial advice. Mentioned on the Show YFP YouTube Channel YFP 404: 5 Key Questions to Ask Before Hiring a Financial Planner  Vanguard: Putting a value on your value: Quantifying Vanguard Advisor's Alpha® The Investment Funds Institute of Canada. Financial Advice in Canada, November 2022. Kitces Quantifying the Value of Financial Planning Advice Record a Question to be Featured on an Ask YFP Episode Email YFP: info@yourfinancialpharmacist.com

When you're going through divorce, the emotional toll is heavy. And yet you're expected to make huge financial decisions that will impact your future. In this episode, I sit down with Laura Combs, CFP®, a nationally recognized financial advisor, to talk about how to stay smart and strategic when your world feels like it's unraveling. Laura and I explore the most common financial mistakes people make during divorce—not because they don't know better, but because they're overwhelmed, fearful, or desperate to just be done. We talk about how to build a strong support team, create a plan that protects your lifestyle, and keep your emotions from running your settlement. Whether you're knee-deep in negotiations or just starting to think about your next steps, this episode will help you move forward with clarity, confidence, and control. Connect with Laura: LinkedIn: https://www.linkedin.com/company/mercer-advisors/ Twitter/X: https://x.com/MercerAdvisors Website: https://www.merceradvisors.com/ Resources Mentioned in this episode: Follow JBD on Instagram: @journey_beyond_divorce Book a Free Rapid Relief Call: http://rapidreliefcall.com  Join the High Conflict Divorce Support Group: https://www.jbddivorcesupport.com/hcdsg  

In this episode of the Dental Board Room Podcast, Wes Read CPA, CFP, continues AI in Dentistry series with a very special guest, Dr. Wardah Inam, founder and CEO of Overjet AI. With a background from MIT and Harvard, Dr. Wardah Inam is at the forefront of AI innovation in dental care.Overjet is the first FDA-cleared dental AI platform for both caries detection and bone level measurements. It's used by solo practitioners, DSOs, insurers, and dental schools alike.Dr. Wardah Inam walks us through how AI is reshaping diagnosis, patient communication, insurance verification, and revenue cycle management inside dental offices. We explore the use cases, adoption challenges, and the exciting path ahead for AI in dentistry.Whether you're a dentist, DSO leader, or simply AI-curious, this episode is packed with actionable insights.Key PointsWhat is Overjet AI:First FDA-cleared dental AI for cavities and bone measurementsTrusted by clinicians, DSOs, insurers, and educatorsMission: Standardize diagnostic precision and elevate patient careOverjet's Core Offerings:Smart Imaging: AI-integrated radiograph analysis from image capture to diagnosisAI Overlays: Enhances existing imaging and PMS softwareRevenue Cycle Management Tools: Insurance verification, real-time treatment cost estimatesReal-World Use Case:Insurance verification days before the appointmentCo-diagnosis in the operatory using AI visualsTreatment plan clarity with insurance coverage breakdownsSupport for morning huddles, treatment follow-ups, and care consistencyAI for Diagnosis and Patient Communication:Color-coded visuals improve patient understanding and trustBoosts treatment acceptance by 10–20%Helps uncover underdiagnosed conditions like periodontal diseaseWhere AI is Going in Dentistry:Moving beyond the operatory into operations and admin efficiencyFuture possibilities in note-taking, billing, and clinical support#DentalAI #OverjetAI #AIinDentistry #DentalTech #DSO #DentalInnovation #PatientExperience #DentalBoardRoomPodcast #SmartDentistry #DentalDiagnosis #CaseAcceptance #FutureOfDentistry

Financial Advisor Jayson Thornton, CFP -- REACTS -- The AMERICAN Dream In 2025 Is Getting Crushed By High Mortgages | TikTok Rant On High Mortgageshttps://www.youtube.com/watch?v=fAjuSCdta8kAre you looking for ways to improve your financial life? If so, this is the channel for you! On this channel we'll teach you how to live a successful life by learning how to save, payoff debt and invest. We'll start by explaining the basics of money management and financial planning, and then move on to more advanced topics like investing and retirement planning. Subscribing to Pocket Watching with JT and following his tips, you'll have everything you need to live a financially successful life.FREE Consultation!https://www.thornton-financial.com/free-consult FREE FINANCIAL PLANNING APP -https://app.thornton-financial.com/Got Money Questions? Ask JThttps://www.pocketwatcher.net/Pocket Watcher MERCH!https://pocket-watching-with-jt-shop.fourthwall.com/NEW CHANNEL - @PWreact - https://www.youtube.com/@PocketWatcher-ClipsBook a consultation at https://www.pocketwatcher.net/Call-In Financial Talk Show hosted by Financial Advisor Jayson M. Thornton, CFP. Pocket Watching with JT is all about giving you smart money tips to help you reach your financial goals! *Disclaimer*Financial Coaching during Livestreams is NOT personal investment advice, No CFP-Client relationship is established by calling into the show or submitting a question by email or text.Cash App $PocketWatcherJTemail PocketWatcherJT@gmail.comFollow ig @JTPocketWatcherTwitter @JTPocketWatcherCertified Financial Planner*ALL CONTENT OWNED & PRODUCED BY POCKET WATCHER LLC*

David joins to reveal the top 25 hardest stadiums to play at in EA Sports College Football 26, which releases in a couple of weeks.

On today's DNVR Buffs Podcast, Jake Schwanitz and Scott Procter are joined by Sports Illustrated's Colorado Buffaloes beat writer, Jack Carlough! Jack shares his experience covering the Colorado Buffaloes before and during the Coach Prime era. The guys then discuss why Preston Ashley is the perfect fit for Coach Prime and Colorado. Scott shares what he learned from his interview with Preston Ashley. LaNorris Sellers reacts to Thomas Castellanos' comments on Alabama, CBS' list of College Football's 10 best backup quarterbacks, fill in the blank and more. 0:00 Start2:00 Jack Carlough joins the show11:47 Preston Ashley16:45 Preston Ashley and his conversation with Scott24:00 Recruiting32:15 Thomas Castellanos' comments on Alabama, CBS' list of College Football's 10 best backup quarterbacks44:30 Jack on the Buffs quarterback room48:30 Fill in the blank59:19 Breaking: New commitment1:00:31 Questions: Coach Prime, Big12 Media Day, and Colorado's positions rooms.

Rece Davis and ESPN senior writer Dan Wetzel dive into college football's wild evolution—unpacking the blunders of the BCS, the mounting pressure on the playoff committee, and the lengths coaches will go to chase a title. They also break down a historic NIL lawsuit shaking up the system and expose the murky world of tampering.   0:00 - BCS blunders: Where the old system went wrong 8:52 - CFP committee: Their toughest test 13:40 - The price of the playoff: How far will coaches go? 19:42 - Historic NIL case unfolds: Wisconsin vs Miami 26:52 - How does the NCAA actually police tampering? 29:36 - College Baseball World Series controversy 37:00 - Is Arch Manning really that good? 40:21 - CFB stock watch: Contenders and concerns 48:38 - No city does Fourth of July like… Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this mid-week episode, we're switching it up again. This time Bill joins the 'Finance for Physicians' podcast with host Daniel Wrenne, CFP®. In this vulnerable interview, Bill owns up to every late-starter mistake—credit-card splurges, 'free' advisors, and lifestyle creep after a twin-sized home upgrade. Then he slings real-world antidotes: pause-plan-pivot, backward budgeting, downsizing the McMansion, and letting Social Security's ‘inflation-proof annuity' finish the job. Bill's best advice is that physicians should treat money like they treat medicine—learn the language, follow the protocol, and stop ignoring the labs. Now a Financially Independent Physician, we're giving Bill a new name: the (FI)sician!  

To lease or not to lease…or to purchase?  When it comes to getting a new vehicle for the pharmacy, one of the most common questions we get asked from owners is “should I lease or should I purchase a vehicle?”  In this episode of Master The Margin, Scotty Sykes, CPA, CFP and Kathy Blanchard, Senior Pharmacy Accountant break down this question and what it means for your tax strategy including: - Why leasing might limit your tax strategy - How purchasing a vehicle can unlock large write-offs - Importance of mileage logs and business-use documentation - How a separate delivery LLC could protect your pharmacy from liability Check out the full episode with bonus insights: https://masterthemargin.substack.com/ Schedule an Rx Assessment: https://www.sykes-cpa.com/rx-assessment-service/  More resources about this topic: Podcast - One Big, Beautiful Bill: What the New Tax Proposal Means for Pharmacies: https://www.youtube.com/watch?v=99jnN08jGUo Blog – Tax-smart Depreciation on Pharmacy Buildings and Equipment: https://www.sykes-cpa.com/tax-smart-depreciation-on-pharmacy-buildings-and-equipment/

What if your doctor could also help you plan your financial future? In this episode of Mitlin Money Mindset®, Larry Sprung sits down with Carolyn McClanahan, M.D., CFP®, a physician-turned-financial planner and founder of Life Planning Partners. She shares how her medical background shaped her philosophy around financial planning, why empathy and honesty matter in client relationships, and how understanding aging and cognitive decline leads to better financial outcomes.  Together, they explore how to create meaningful conversations and a values-aligned financial life. Carolyn discusses: How her husband's career change sparked her transition from medicine to financial planning and led to the founding of Life Planning Partners Why financial planning should treat the "whole person," integrating tax, insurance, estate, and cash flow considerations, not just investments How her medical training informs her approach to planning for aging, cognitive decline, and real-life health risks often overlooked in financial discussions The importance of communication, emotional intelligence, and mutual respect in advisor-client relationships, including a firm policy of “no mean people” Why advisors should focus clients on using money for value, purpose, and JOY, rather than aimless accumulation And more! Resources: Mitlin Financial   The JOY and Productivity Journal by Lawrence Sprung  Download Your Free Copy of the Couple's JOYful Money Guide Connect with Larry Sprung:  LinkedIn: Larry Sprung Instagram: Larry Sprung Facebook: Larry Sprung X (Twitter): Larry Sprung Connect with Carolyn McClanahan:  LinkedIn: Carolyn McClanahan X (Twitter): Carolyn McClanahan Facebook: Carolyn McClanahan Website: Life Planning Partners About our Guest: Dr. McClanahan is a physician turned financial planner. In addition to working in her financial planning practice, she speaks regularly on the interplay between health and financial issues, particularly regarding aging, chronic illness, end of life, long term care, health care reform, and health care costs. She serves on the CNBC Financial Advisor Council, Investopedia Financial Advisor Council, and writes for Investopedia, CNBC, and Forbes. She is quoted regularly in publications such as the Washington Post and the New York Times. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site.

Ryan in Texas is in the 32% tax bracket. Where should he save for retirement so he'll be in a lower bracket? Should Weronika in Texas pay the taxes now to convert to Roth for lifetime tax-free growth in the future, even though she's in the 37% tax bracket? And Jerry in Phoenix wonders if there is a point where Joe would come to the conclusion that Roth conversions no longer make sense? Stay tuned for the 7 reasons to consider NOT converting to Roth, today on Your Money, Your Wealth podcast number 535 with Joe Anderson, CFP® and Big Al Clopine, CPA. First up, a word of Roth conversion thanks from Al in Florida. Free financial resources & episode transcript: https://bit.ly/ymyw-535 DOWNLOAD The Ultimate Guide to Roth IRAs Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV RETIREMENT CALCULATION TOOLS: Financial Blueprint EASIRetirement.com (from Boldin, formerly NewRetirement)   ASK Joe & Big Al for your Retirement Spitball Analysis SCHEDULE your Free Financial Assessment SUBSCRIBE to YMYW on YouTube DOWNLOAD more free guides READ financial blogs WATCH educational videos SUBSCRIBE to the YMYW Newsletter Insult to a Nose (Scene from Steve Martin movie "Roxanne" - warning, language!)   Timestamps: 00:00 - Intro: This Week on the YMYW Podcast 00:44 - Thanks for Suggesting a Roth Conversion During the Market Drop (comment from Al, FL) 03:38 - In the 32% Tax Bracket. Where Should I Save for Retirement to Be in a Lower Bracket? (Ryan, TX) 07:57 - In the 37% Bracket: Backdoor Roth or Non-Roth Investments for Retirement Savings? (Weronika, TX) 12:25 - Watch The Last 5 Years Before Retirement Will Decide Your Lifestyle - Here's How on YMYW TV. Calculate your free Financial Blueprint 13:23 - Is There a Point Where Roth Conversions No Longer Make Sense? (Jerry, Phoenix, AZ) 25:26 - YMYW Podcast Outro

Brad chats with certified financial planner Shannah Game, who shares insights from her book Unraveling Your Relationship with Money. They discuss the emotional and psychological aspects of finance, emphasizing the importance of understanding one's money stories, setting intentional spending boundaries, and achieving financial independence beyond just numbers and logic. Key Topics Discussed: Introduction to Shannah Game (00:00:48) Shannah is a CFP and author of Unraveling Your Relationship with Money. The Emotional Side of Finance (00:01:35) Personal finance is 90% psychology and emotion. Shannah discusses her own journey and revelations about money. Understanding Money Trauma (00:06:48) Money trauma can affect anyone, not just those from impoverished backgrounds. Discussing childhood experiences and their impact on adult financial behaviors. Strategies for Intentional Spending (00:12:15) Implement the 24-hour rule before purchases to reduce impulsive spending. Create space between stimulus and response to make intentional financial choices. Creating Your Financial Rules (00:16:40) The concept of setting personal financial boundaries and making your own rules. Importance of tailoring financial strategies to individual needs. Personal Growth and Self-trust (00:36:17) Fostering a growth mindset to combat feelings of being "bad with money." Emphasizing the importance of self-trust in financial decision-making. Key Insights: Money as Joy, Not Struggle (00:06:00) Money should enhance life rather than be a source of stress. Conscious Spending (00:10:07) Create space to reflect before making purchases. Set Your Own Financial Rules (00:16:40) Empower yourself to establish personal financial guidelines that resonate with your values. Our Brains and Money (00:18:39) Recognizing how cognitive processes can sabotage financial well-being. Actionable Takeaways: Apply a 24-hour cooling-off period before making purchases to minimize impulsive spending. (Timestamp: 00:11:22) Use highlighters to categorize your spending and uncover hidden patterns affecting your financial decisions. (Timestamp: 00:29:23) FAQs: What are some strategies to manage emotional spending? Implement a 24-hour waiting period before purchases. (00:10:58) How can I uncover my money stories? Reflect on spending patterns in a relaxed environment to identify emotional triggers. (00:29:23) Why is it important to address money trauma? It helps break negative cycles, fostering a healthier financial relationship. (00:07:53) Discussion Questions to Consider: What are your earliest memories related to money, and how do they shape your current beliefs? (00:08:15) How can you create a healthier emotional relationship with money? (00:39:17) Related Resources: Unraveling Your Relationship with Money - Book Link (00:41:01) Follow Shannah Game: Website & Podcast: EveryonesTalkingMoney.com Instagram: @ShannahGame Examine your financial beliefs deeply and review the actionable steps to cultivate a healthier relationship with money, paving the way toward financial independence.

Josh Pate's College Football Show Ep 640 features Josh Pate discussing potential chaos scenarios this season. Could Oklahoma exit their showdown with Texas 6-0 while Steve Sarkisian's team is reeling? What if FSU, Miami, and Florida collectively stumble this season? Bold prediction season has returned with you calling your shot including UGA winning every home game, Michigan and USC making the CFP while Texas and Ohio State miss it, TCU defeating Texas Tech in the Big12 title game and more. What are the best weight rooms Josh has worked out in on the Pate State Speaker Series Tour? All that plus discussion about Texas A&M and Penn State. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices