Podcasts about Cima

Buy-now-pay-later has gained popularity throughout the retail space as a way for shoppers to purchase goods that they may not have the cash for, but some fear that this trend is contributing to poor spending habits for a young generation of consumers. Donna and Nathan discuss who profits from BNPL purchases, how credit reporting agencies are changing the way they treat these transactions, and what the trend indicates about our consumption economy. Also on MoneyTalk, how credit scores are calculated, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/11/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

During a bull market, some people hire a financial advisor for the wrong reasons, expecting them to put on a magic show rather than treating investing as a lifelong endeavor to build wealth with patience and prudence. Nathan discusses the important distinction between investing as an enterprise vs investing for entertainment. Also on MoneyTalk, understanding income investing, and the price of time. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 9/12/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Sarah Stegner, two-time James Beard Award winner and co-executive chef at Prairie Grass Cafe, joins Lisa Dent to highlight Cima Restaurant’s collaborative dinner featuring chefs Kevin Hickey and Jesse Resendiz. Sarah talks about the great food that will be provided and how listeners can reserve a spot at the Rosemont restaurant.

If you were to ask someone to name the most successful investor of our time, 9 times out of 10 you would likely hear the name Warren Buffett. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel cover the meteoric rise of Warren Buffett, and how his clear and principled approach to investing would lead him to become one of the most prolific investors in American history. Also on MoneyTalk, how to face the challenge of retiring in a down market. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa. Air Date: 9/10/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Getting audited by the IRS is something we all have to be ready for, and no one looks forward to, but the typical audit experience can be surprisingly straightforward - if you're prepared. Donna and Nathan talk about common audit triggers, how to communicate effectively with the IRS, and what documents you absolutely need to have ready when your number gets pulled. Also on MoneyTalk, how to define your risk tolerance, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/9/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

You may have heard of the 4% Rule, which suggests 4% as the maximum sustainable rate of withdrawal from your retirement accounts, but over recent years the goal posts have been shifting, leading some to question the validity of this classic rule of thumb. Donna and Nathan discuss how to determine what rate of withdrawal makes sense based on your current and projected cost of living and the importance of building flexibility into your retirement plan. Also on MoneyTalk, the importance of financial literacy for our society. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/8/2025; Original Air Date: 1/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

EM CIMA DO LANCE 10-09-25

At age 18, we are put in a position to make financial decisions that most are not fully prepared for, and a few small mistakes can lead to long-term consequences. Today's special guest, Yanely Espinal, Director of Educational Outreach at Next Gen Personal Finance, has made it her mission to address this problem head on, working with students and educators to promote Financial Literacy in schools and throughout the community. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Yanely Espinal; Air Date: 9/5/2025; Original Air Date: 6/2/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

A poco menos de tres semanas de que termine la temporada regular de MLB 2025, los Padres de San Diego deben recuperarse tras su paso contra rivales de la Liga Americana, habiendo perdido tres series seguidas contra estos. Rafael Tablado y Toto Zúñiga se reunieron en línea para hablar también sobre los jugadores que se lastimaron a estas alturas de la temporada y la posibilidad de recuperar a Michael King de cara a playoffs.

Kelly Rohrs, CPA, Founder of K. Rohrs, CPA, P.C., shares the journey of launching her firm from concept to reality. Listeners will gain insight into how she structures client relationships, manages expectations during high volume periods, and fosters talent retention through flexibility and trust.  Kelly offers practical advice for firm owners looking to break away from traditional models, emphasizing the power of small, intentional changes. Tune in to hear how she's redefining what it means to operate a modern CPA firm.  To find out more about transforming your business model, explore our business model transformation resources at aicpa-cima.com/tybm. You'll also see a link there to all of our previous podcast episodes. This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here. Your feedback and comments welcomed at podcast@aicpa-cima.com    

After 3+ decades of MoneyTalk, if we haven't sold you on the importance for saving for retirement, then we're really doing something wrong! But just in case you need more convincing, Donna and Nathan offer 10 reasons to save for retirement, including: Social Security likely won't be enough to live on, people are living longer, new 401K features make saving easier than ever, and more. Also on MoneyTalk, Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 9/4/2025; Original Air Date: 8/11/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Send us a textCristina Durán is President of Evinova ( https://evinova.com/ ), a healthtech company empowering global life sciences organizations to accelerate better health outcomes with a suite of globally scaled digital health solutions, empowering sites, sponsors and contract research organizations to optimize the entire clinical development lifecycle.Prior to launching Evinova in November 2023, Cristina led AstraZeneca's Digital Health function in Research & Development (R&D) across key therapy areas: Oncology; Cardiovascular, Renal and Metabolism; and Respiratory and Immunology.Cristina previously held senior leadership roles at AstraZeneca across global commercial, in-country commercial, finance and R&D, and led a global transformation in clinical development across R&D functions, focusing on patients' experiences and outcomes with benefits delivered globally.Before joining AstraZeneca, Cristina was a senior management consultant at Accenture, leading large transformation programs, including the set up, from scratch, of a new joint venture between two technology companies, which is now a major business for a top retailer, as well as guiding business transformation strategy reviews and implementing global change initiatives for large telecoms.Cristina is passionate about innovation and increasing enterprise value by inspiring organizations to change for the future and has spoken about using innovative technologies to transform patients' lives at conferences, including the Digital Health World Congress, HLTH EU, BiotechX EU, and the Financial Times Global Pharmaceutical and Biotechnology Conference. Cristina is a chartered accountant (CIMA) and has completed the Massachusetts Institute of Technology Leading Enterprise Transformation program.#CristinaDuran #Evinova #AstraZeneca #DigitalHealth #ClinicalTrials #PatientExperience #RemoteMonitoring #DecentralizedClinicalTrials #MachineLearning #ArtificialIntelligence #Innovation #Science #Technology #Research #ProgressPotentialAndPossibilities #IraPastor #Podcast #Podcaster #Podcasting #ViralPodcastSupport the show

In this episode, MJ the tutor breaks down the essentials of Key Performance Indicators (KPIs): what they are, why they matter, and how to choose the right ones for your business. She explores real-world examples, discusses common pitfalls of poorly chosen KPIs, and dives into why balancing financial and non-financial metrics is critical.Accounting Makes Cents is a biweekly podcast dedicated to CIMA accounting students and those still thinking about it. Episodes will range from providing study tips and resources to brief discussions of CIMA syllabus topics.If you like the show, please hit subscribe to add it to your listening queue and to ensure you do not miss an episode. MJ the tutor would love to hear from you if you have ideas for future episodes. You can reach out by leaving a voice message. Thanks for tuning in and see you on an Accounting Makes Cents episode soon!The show transcripts are available on www.mjthetutor.comLet's connect:Facebook: facebook.com/mjthetutorInstagram: @mjthetutorX: @mjthetutorBlueSky: @mjthetutor.bsky.socialThreads: @mjthetutorYoutube: @mjthetutor

EM CIMA DO LANCE 08-09-25

Com Renan Santos

There are a variety of investment vehicles at your disposal, and knowing how and when to use one over another requires a good understanding of their mechanics. Nathan breaks down the common investment vehicles, how they differ, and the various needs they serve within your portfolio. Also, on our MoneyTalk Moment in Financial History, Nathan and Steve cover a period that still looms large in the collective memory of our nation, The Great Financial Crisis of 2008. Hosts: Nathan Beauvais CFP®, CIMA®, CPWA® & Steven Beauvais; Air Date: 9/3/2025; Original Air Dates: 10/25/2023 & 8/2/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

EM CIMA DO LANCE 05-09-25

Sentiment about the U.S. economy improved slightly — but not nearly enough to be considered a positive outlook — in the latest quarterly Business and Industry Economic Outlook Survey by the AICPA and CIMA. For a breakdown of the results, the JofA podcast welcomed back Ken Witt, CPA, CGMA, associate director–Management Accounting Research & Development. He discusses finance decision-makers' views on tariffs and inflation and the 12-month projections for revenue and profit. What you'll learn from this episode: ·         The “softening” related to domestic economic conditions — and why that's not enough to overcome mainly negative sentiment. ·         The percentage of executives who foresee a recession this year or next. ·         Finance leaders' approaches in response to tariffs. ·         The top challenges beyond inflation facing survey respondents. ·         How respondents feel about the state of the global economy.

For the past few years we've been adjusting to an unreliable bond market, where alternative approaches to portfolio diversification have become increasingly common. Nathan discusses various categories of liquid alternative investments and how they function differently to achieve portfolio diversification. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/29/2025; Original Air Date: 10/23/2023. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

EM CIMA DO LANCE 04-09-25

En este episodio platico con Franco Escamilla, uno de los comediantes más grandes de habla hispana, sobre el duro camino para llegar a lo más alto. Desde sus primeros shows mal pagados, las estafas que enfrentó, hasta el momento en que convirtió su talento en un imperio que mueve millones.Franco comparte cómo pasó de eventos privados a giras internacionales, las lecciones que le dejó perder dinero en malos negocios y las claves que lo llevaron a consolidarse como referente mundial. Una charla divertida, honesta y llena de aprendizajes financieros que no escucharás en ningún escenario.

One of the key features of The One Big Beautiful Bill was a meaningful bump to the amount individuals can deduct from their taxable income, raising the threshold for 0% capital gains. Donna and Nathan discuss which taxpayers will benefit most from this change, and how to factor it into your tax planning. Also on MoneyTalk, lessons from hedge fund manager Stanley Druckenmiller, and Stock Trivia: Battle of the Sowas. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/28/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

EM CIMA DO LANCE 03-09-25

Nació en en 1923 y a los 102 años el abuelo Kokichi Akuzawa emprendió la larga travesía hacia la cima del monte Fuji, usando todas las herramientas posibles para lograr su objetivo. Escucha esta y otras historias positivas.

On today's podcast, we sit down with Chef Brad Kilgore, ICONIC award-winning chef and wine enthusiast, and get a front-row seat into the mind of a Michelin-starred chef - one of America's most innovative culinary voices. Known for blending bold global flavors with fine-dining precision, Kilgore explores the ever-evolving world of food, creativity, and culture. Website: kilgoreculinary.com Instagram: brad_kilgore BACK STORY Widely recognized for his boundary-pushing creativity, Kilgore has earned accolades from Food & Wine (Best New Chef), James Beard (multiple nominations), Esquire (Best New Restaurants), and The New York Times, which called his work “refined, inventive, and unforgettable.” With a reputation for blending artistic precision with bold global flavors, Kilgore has cooked at the prestigious James Beard House, collaborated with global hospitality brands, and is now turning heads again—this time for championing Itameshi, a rising Japanese-Italian fusion trend he's helping introduce to American diners. Already gaining global momentum, Itameshi combines the depth and umami of Japanese cuisine with the rich traditions of Italy—creating dishes that feel both deeply comforting and wildly inventive. From yuzu-kosho buttered pastas to miso-infused carbonara and caviar-topped pizzas, Kilgore is blending the best of both cultures and delivering it with the precision of fine dining and the heart of a neighborhood favorite. With five acclaimed restaurants already in operation—including Mad Lab, CIMA, Verge at Concourse Club, Café Sebastian, and Fisher Island—and two new openings coming soon in San Francisco (Ama) and Fort Myers (OISE), Kilgore is bringing this genre-bending flavor profile to diners across the country.   He's also expanding his influence far beyond the kitchen with high-profile collaborations at Rosewood Private Residences, OCN Hotel in Mexico, and Inter Miami, Lionel Messi's home team. And perhaps most surprising? His frozen pizza brand, Pizza Freak, born during the pandemic, was just nominated for World's Best Pizza—the only pre-made pizza to make the iconic pizza ranking list.   SUBSCRIBE TO ICONIC HOUR If you enjoyed today's podcast, I'd be so appreciative if you'd take two minutes to subscribe, rate and review ICONIC HOUR. It makes a huge difference for our growth. Thanks so much!   ICONIC LIFE MAGAZINE  Stay in touch with ICONIC LIFE magazine. We invite you to join our digital VIP list and SUBSCRIBE!   JOIN OUR ICONIC COMMUNITY Website: iconiclife.com Instagram: @iconiclifemag Facebook: Iconic Life YouTube: ICONIC LIFE   FOLLOW RENEE DEE Instagram: @iconicreneedee LinkedIn: Renee Dee   Thanks for being a part of our community to Live Beautifully.  

Getting married is one of the happiest and most exciting moments in life, but after the big day is over, many are unprepared for the transition to jointly managing their financial lives. Donna and Nathan discuss best practices for combining finances and managing shared expenses for newlyweds. Also, on our MoneyTalk Moment in Financial History, Nathan discusses how Capitalism led to the rapid economic progress of the 20th century, but with some unintended consequences. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/27/2025; Original Air Dates: 4/18/2024 & 9/18/2024. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Many investors favor dividends over growth in hopes of living off those payments in perpetuity, but there are some downsides to dividends that can make this strategy less than optimal in the long-term. Donna and Nathan discuss some of the drawbacks of going all in on dividends at the cost of diversification and growth. Also on MoneyTalk, what many people get wrong about social security, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/26/2025. Have a question for the hosts? Leave a message on the MoneyTalk Hotline at (401) 587-SOWA and have your voice heard live on the air!See omnystudio.com/listener for privacy information.

Many people use a home equity line of credit for home renovations and unforeseen liquidity needs, but if you are carrying an old balance on your variable rate HELOC, the current high interest rate environment has not been friendly to you. Donna and Nathan discuss options for managing variable rate home equity loan balances, and strategies for paying down other forms of high interest debt. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/21/2025; Original Air Date: 4/4/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Social Security is one of those universal retirement topics that touches just about everyone, and as such, we like to give it its proper attention here on the MoneyTalk show. Nathan covers the information you need to know around Social Security rules, legislation, and the history of the programâs implementation. Also on MoneyTalk, changes to 401(k) catch-up contributions, when target date funds donât make sense for your portfolio, and more. Host: Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/22/2025; Original Air Date: 5/10/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

En el episodio de hoy vamos a hablar de un deporte que está rompiendo fronteras: el flag fútbol. Conoceremos a las campeonas mexicanas que brillaron en los Juegos Mundiales de Chengdú, China 2025, y descubriremos los secretos detrás de su éxito, desde la intensidad en la cancha, las lesiones más comunes, la velocidad y estrategia que exige cada jugada, hasta el papel clave de la familia en su camino al triunfo.Abordaremos cómo este deporte, que se vende como “sin contacto” pero donde el choque es inevitable, está conquistando a miles de aficionados en México y a nivel mundial. Además, exploraremos cómo se preparan física y mentalmente las jugadoras para competir al máximo nivel, con disciplina, nutrición y entrenamiento de élite. Y claro, también hablaremos de la emoción, la presión y el orgullo de representar al país.  Mantente actualizado con lo último de 'TUDN Podcast'. ¡Suscríbete para no perderte ningún episodio!Ayúdanos a crecer dejándonos un review ¡Tu opinión es muy importante para nosotros!¿Conoces a alguien que amaría este episodio? ¡Compárteselo por WhatsApp, por texto, por Facebook, y ayúdanos a correr la voz!Escúchanos en Uforia App, Apple Podcasts, Spotify, y el canal de YouTube de Uforia Podcasts, o donde sea que escuchas tus podcasts.'TUDN Podcast' es un podcast de Uforia Podcasts, la plataforma de audio de TelevisaUnivision.

SBS Finance Editor Ricardo Gonçalves speaks with Guzman y Gomez Mexican Kitchen co-CEO Steven Marks about the Mexican restaurant chain's record sales and to find out more about why investors didn't like it, plus Isaac Poole PhD, CIMA® from Ascalon Capital on the day's market action, including his take on reporting season and the trends being seen.

One of the many tools used during the financial planning process is the Monte Carlo simulation, which uses historical and personal financial data to predict the probability of certain outcomes in retirement. Nathan discusses how advisors use statistical analysis to help clients plan for retirement, and how the quality of the data you put in can mean the difference between success and failure. Also, on our MoneyTalk Moment in Financial History, Nathan and Daniel cover the birth of communism during the Russian Revolution, and the economic collapse that followed. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/20/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Advisors and co-hosts Zachary Bouck, CIMA®, CFP®, and Austyn Garcia, recap our June 2025 portfolio meeting, discussing what happened in the markets over the last month, our approach to traditional asset allocation (cash, fixed-income, equities, and alternatives), and our general outlook for the next 6-12 months in the markets.  0:00 – Introduction to Investment Insights 1:58 – Understanding Risk Tolerance 2:55 – Embracing Artifical Intelligence in Business 4:01 – Market Overview & Recent Trends 7:02 – Analyzing Job Reports & Economic Indicators 10:08 – Investment Strategies Amid Market Fluctuations 13:13 – Expectations for Fed Rate Cuts 19:15 – Corporate Earnings & Market Strength 23:19 – Final Thoughts on Financial Planning Visit www.denverwealthmanagement.com to schedule a free consultation. 

With the passing of the SECURE Act 2.0, the IRS age trigger for required minimum distributions has been raised to 73, but as we all know, Uncle Sam always gets his cut, so having a strategy is critical. Donna and Nathan discuss RMD planning, and how to use the rules to your maximum benefit. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/19/2025; Original Air Date: 10/15/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Bienvenida a Hacia la Cima!En este episodio te comparto cómo el agradecimiento es la base para construir la vida que queremos y relacionarnos con más autenticidad. Te cuento una experiencia personal en la que, en medio de una situación difícil con algunas personas, agradecer me ayudó a fortalecerme y a conocerme más profundamente. Al final encontrarás dos prácticas sencillas de agradecimiento que puedes comenzar hoy mismo. Las practicaba con @soyhilmar en su taller de Realización Personal.Gracias por Ser y por Estar! Este camino se recorre mejor acompañadas. Respira. Vamos despacio, juntas, Hacia la Cima.links:⁠⁠⁠⁠⁠hacialacimapodcast/⁠⁠⁠⁠⁠⁠⁠⁠⁠Unete a la Comunidad: hacialacimapodcast⁠⁠⁠⁠hacialacimapodcast@gmail.com

Leadership coach and diversity, equity, and inclusion (DEI) professional Sophie Turner explains how CIMA helped her navigate the learning and development path in her career, the psychology of imposter syndrome, and considerations for organisations looking to create a more diverse and inclusive culture.  Turner explains the importance of objectivity as a remedy for persistent self-doubt and why it's hard for people suffering from imposter syndrome to tap into the objective side of their brain.  She also illustrates ways that organisations can think differently about creating a workplace where everyone feels valued. What you'll learn from this episode: §  How CIMA studies led Turner down the leadership coaching path. §  Why imposter syndrome is more complex than feeling anxious or out of place. §  The role of feedback in managing imposter syndrome. §  The way language impacts women professionally. §  Some reasons why companies fail to execute DEI initiatives. §  Advice for organisations looking to close diversity and equality gaps.

Escuche esta y más noticias de LA PATRIA Radio de lunes a viernes por los 1540 AM de Radio Cóndor en Manizales y en www.lapatria.com, encuentre videos de las transmisiones en nuestro Facebook Live: www.facebook.com/lapatria.manizales/videos

No episódio de hoje do Papo de Profissional, Luan recebe Luciana Cima, broker institucional com mais de 20 anos de mercado e 13 deles na mesa de operações da Genial.Você vai entrar nos bastidores de uma das áreas mais estratégicas do mercado financeiro: a mesa institucional. Luciana revela como funcionam as ordens bilionárias, os erros que já movimentaram milhões e os segredos que os grandes players não querem que você saiba.Preencha o formulário e dê o primeiro passo para se tornar um profissional de mercado: https://forms.gle/MgWRAos7bs2CVJCq6Quer entender como os bancos operam de verdade?Quer saber por que até os grandes erram — e lucram com isso?Quer descobrir o que separa um trader comum de um profissional de elite?Então esse episódio é para você.Neste episódio, você vai aprender:Como funcionam as ordens institucionais e por que corretoras “escondem” os grandes playersO que é um broker institucional e como ele executa ordens de bilhõesCasos reais de erros operacionais que geraram lucros milionários (e infartos também)Por que bancos estão operando minicontratos — e o que isso muda para o trader autônomoO que realmente separa um trader bom de um trader medíocreQuanto ganha um broker e como começar nessa carreiraSe você quer viver de mercado, seja como trader ou broker, esse episódio é obrigatório.

The reverse mortgage has been shrouded in controversy and misunderstanding due to some early abusive sales tactics and its highly vulnerable target market, but when used under the right circumstances, the reverse mortgage can be a game changer. Donna and Nathan have a conversation with reverse mortgage expert, Garrett Duffy, to explain how reverse mortgages work, and who should and shouldn't consider one as part of their retirement income plan. This material is intended for informational educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation. Reverse mortgages are subject to risk, including possible foreclosure, high fees, and interest payments, and they may negatively affect your eligibility for various state and federal benefits. Please contact your financial professional for more information specific to your situation. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Special Guest: Garrett Duffy, Supreme Lending; Air Date: 8/15/2025; Original Air Date: 10/27/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

That stretch of time leading up to retirement is a critical period when your strategic retirement plan gets accelerated to get you past the goal line, and how you choose to focus your efforts and resources will make all the difference. Donna and Nathan run through some of the challenges and key decisions that youâll face from ages 50 to 65 as you position yourself for the big transition. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/14/2025; Original Air Date: 5/23/2023. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Host Chris Clarke delves into the profound impact of the Dome Fire on the cherished Joshua Tree forest within the Mojave National Preserve. Marking the five-year anniversary of the Dome Fire, Clarke reflects on personal experiences and the broader ecological ramifications. The devastating event shifted his life, carving a definitive "before" and "after" in his approach to desert protection. Listeners are taken on an emotional journey through the charred landscape of Cima Dome, providing striking narratives about recovery efforts and the ongoing challenges posed by invasive species like cheatgrass and red brome. Clarke's introspection includes insights from Cima Dome experts like Drew Kaiser and Debra Hughson. They highlight both the devastation wrought by the Dome Fire and the collaborative restoration efforts underway. The episode serves as both a sobering reminder of what has been lost and a hopeful testament to resilience in the face of environmental upheaval. Key Takeaways: The Dome Fire of 2020 dramatically altered the landscape of the Joshua tree forest, marking a pivotal moment of change for environmental activists like Chris Clarke. Restorative efforts in the Mojave National Preserve highlight the complexities of ecosystem recovery, facing challenges from invasive species such as red brome and cheatgrass. Personal and ecological narratives intertwine as Clarke discusses the grief of environmental loss and the slow process of healing for the affected landscapes. The episode underscores the importance of maintaining awareness of environmental destruction while finding hope and actionable paths for positive change. Clarke explores the idea of "solastalgia," feeling deep nostalgia and loss for a place he once knew as both an environmentalist and a deeply connected individual. Notable Quotes: "Every time I come back here, it looks worse. The memories of how it used to be become more clear and more ever present in my mind." "I feel as if I'm visiting someone that I have loved for a long time in hospice after all of their brain activity has ended." "When I die, I want to be burned to ash and I want the people that love me to bring those ashes here." "My being around to see it, if you take that literally, is a choice on my part. And I'm not sure why I keep coming back." Resources: 90 Miles From Needles Podcast website: https://www.90milesfromneedles.com/ Mojave National Preserve web page on the Dome Fire: https://www.nps.gov/moja/learn/nature/dome-fire.htm DAMN Chihuahuan Desert Travel Fund: https://90milesfromneedles.com/elpaso Become a desert defender!: https://90milesfromneedles.com/donateSee omnystudio.com/listener for privacy information.

Live from ENGAGE 2025, Erin Hartman, CPA, Senior Manager – Firm Services, sits down with Argel Sabillo, CPA, Cofounder and Chief Executive Officer of HeyApril Inc, to discuss the ways he is reshaping the profession and leaving tradition behind. With a client base rooted in internet-based startups and small businesses, HeyApril offers full-scale, end-to-end accounting services. Argel shares how his journey has been defined by bold leaps of faith, innovation, and community impact. Argel offers practical insights on value-based pricing, subscription models, and tech stack optimization, while passionately advocating for firms to niche down and align their business models with mission and outcome, not just services. He also previews HeyApril's next frontier: using Large Language Models (LLMs) to turn client data into real-time, actionable insights. This is an episode packed with inspiration, strategic guidance, and a glimpse into the accounting firm of the future. To find out more about transforming your business model, explore our business model transformation resources at aicpa-cima.com/tybm. You'll also see a link there to all of our previous podcast episodes.  This is a podcast from AICPA & CIMA, together as the Association of International Certified Professional Accountants. To enjoy more conversations from our global community of accounting and finance professionals, explore our network of free shows here. Your feedback and comments welcomed at podcast@aicpa-cima.com  

Retirement has the potential to make up 1/3 of your life, so naturally your experience will change as you pass through its various phases. Nathan discusses how we evolve through the three phases of retirement, and what we can do to prepare ourselves along the way. Also, on our MoneyTalk Moment in Financial History Nathan and Daniel tell the story of Alexander Hamilton and The Whiskey Rebellion. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/13/2025; Original Air Date: 6/26/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

How you choose to draw on your retirement assets can make a big difference in your overall tax liability, so unless you're feeling charitable towards the US government, having a strategy is critical. Donna and Nathan discuss the order in which you withdraw from your retirement accounts, and some actions you can take in the years leading up to retirement to help you benefit from more of your hard earned income. Also on MoneyTalk, Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/12/2025; Original Air Date: 6/20/2024. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

For as long as we've had written history, money has held three important functions in our society: as a medium of exchange, a unit of account, and a store of value. But that last function has come under pressure over time due to the presence of inflation. Nathan discusses how our understanding of money has evolved over the millennia, and why it matters for our future. Also on MoneyTalk, what to look for when researching mutual funds. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Air Date: 8/8/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

There are few periods in the 20th century that were more impactful to the global economy than the Iranian oil crisis and the revolution that followed. On this edition of our MoneyTalk Moment in Financial History, Nathan and Daniel tell the story of how Iran seized control of their oil industry from the British, and the ripple effects that it caused across the globe. Host: Nathan Beauvais CFP®, CIMA®, CPWA®; Special Guest: Daniel Sowa; Air Date: 8/6/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Mark Twain famously said, “There are lies, damn lies, and statistics“, and while it's true that numbers are often used creatively to benefit one party or another, statistics are one of the primary tools of a functioning society. Donna and Nathan walk us through some of the critical elements of our daily lives that rely on statistics, and why the firing of the head of the Bureau of Labor Statistics has garnered so much negative attention. Also on MoneyTalk, lessons from famed investor, Ray Dalio, and Stock Trivia: Two Truths and a Lie. Hosts: Donna Sowa Allard, CFP®, AIF® & Nathan Beauvais, CFP®, CIMA®, CPWA®; Air Date: 8/7/2025. Have a question for the hosts? Visit sowafinancial.com/moneytalk to join the conversation!See omnystudio.com/listener for privacy information.

Advisors and co-hosts Zachary Bouck, CIMA®, CFP®, and Austyn Garcia, recap our June 2025 portfolio meeting, discussing what happened in the markets over the last month, our approach to traditional asset allocation (cash, fixed-income, equities, and alternatives), and our general outlook for the next 6-12 months in the markets.  0:00 – Introduction to Weath Management & Action Items 3:07 – Lazy Money & Financial Spring Cleaning 6:29 – Market Overview & Economic Outlook 9:;22 – Investment Strategies & Market Predictions 12:10 – Emerging vs. Developed Markets 15:06 – The Future of Tech & Investment Opportunities 18:07 – Interest Rates & Economic Speculation 21:15 – Closing Thoughts & Future Trends Visit www.denverwealthmanagement.com to schedule a free consultation. 

Bienvenida de regreso a un nuevo episodio de Hacia la Cima!Hoy te comparto una historia personal sobre una situación que estoy atravesando y cómo la disciplina se ha convertido en mi ancla para seguir adelante. Te invito a reflexionar en qué áreas de tu vida has estado postergando actuar, esperando a que llegue la motivación o la inspiración.Este episodio es un recordatorio de que la disciplina puede ser una medicina poderosa y un llamado a tomar acción con intención.Gracias por Ser y por Estar! Este camino se recorre mejor acompañadas. Respira. Vamos despacio, juntas, Hacia la Cima.links:⁠⁠⁠⁠hacialacimapodcast/⁠⁠⁠⁠⁠⁠⁠Unete a la Comunidad: hacialacimapodcast⁠⁠⁠hacialacimapodcast@gmail.comMusic: Birds' forest song by ShidenBeatsMusic from Pixabay. Forest Lullaby by Lesfm from Pixabay