Podcasts about CLU

Download Chris's FREE E-Book on “How To Find Ultra High Net Worth Clients" from https://UHNWC.com/  Kimberly Stewart, CFP®, CLU®, CLTC® (https://www.ameripriseadvisors.com/kimberly.r.stewart/),  is a highly experienced financial advisor and CERTIFIED FINANCIAL PLANNER™ professional with 32 years of expertise in investment management, insurance, and women's financial strategies. As the founder of KRS Wealth Management, Kimberly is dedicated to empowering clients with the knowledge and tools to achieve their financial goals.In this episode, Chris and Kimberly discuss:1. Planting the Right Seeds: Why Authentic Relationships Matter2. Helping Clients Make Smarter Financial Decisions Through Knowledge3. Client-Centered Growth: How to Build a Business That Runs on Referrals4. Thriving as a Minority in a White-Male-Dominated IndustryLinkedIn: https://www.linkedin.com/in/krswealthmanagement/ Website: https://www.ameripriseadvisors.com/kimberly.r.stewart/ Facebook: https://www.facebook.com/KRSWM/ Maximize your marketing, close more clients, and amplify your AUM by following us on: Instagram:  https://instagram.com/ultrahighnetworthclients TikTok: https://tiktok.com/ultrahighnetworthclients YouTube: https://www.youtube.com/@uhnwcFacebook: https://www.facebook.com/UHNWCPodcast Twitter: https://twitter.com/uhnwcpodcast iTunes:  https://podcasts.apple.com/au/podcast/ultra-high-net-worth-clients-with-chris-brodhead/id1569041400Spotify: https://open.spotify.com/show/4Guqegm2CVqkcEfMSLPEDrWebsite: https://uhnwc.com Work with us: https://famousfounder.com/fa DISCLAIMER: This content is provided by Chris Brodhead for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. 

Will vs. Trust: Secure Your Legacy with Randolph Love III | The Entreprenudist Podcast   The Entreprenudist Podcast https://entreprenudist.com In this episode, Randolph Love III, ChFC®, CLU®, FLMI, CPCU—founder of ShieldWolf Strongholds—shares insights on the importance of estate planning and the roles of Wills and Living Trusts in securing your legacy with the residents of Lenox Cove Apartments in Jacksonville, Florida; orgaized by Trinisia “Trish” White of Project Access Resource Centers. Whether you're beginning your wealth-building journey or looking to protect existing assets, this discussion offers valuable considerations for your financial future. Explore Strategic Wealth Protection: Discover how ShieldWolf Strongholds can assist you with business exit planning, tax-free retirement strategies, and legacy building—all through a seamless, fully virtual process.

If reaching new heights requires new strategies, how do advisors make adjustments that translate into consistent success? In this episode, members of the MDRT Executive Committee share how they have reimagined their perspectives and their communication to drive stronger relationships and greater performance. You'll hear from: MDRT President Carol Kheng, ChFC MDRT First Vice President John F. Nichols, CLU, MSM Episode breakdown: 0:24 – Continuing to learn while helping others do the same 2:39 – Investing in creating new connections 3:46 – Being service-oriented without wondering if you'll get anything back 4:34 – Developing relationships through vulnerability 7:30 – Establishing connections in a community Listen to the monthly series, MDRT Presents: @mdrtpresents

In this episode, Retirement Income Certified Professional® (RICP®) Program Director Eric Ludwig, PhD, CFP® welcomes Steve Parrish, JD, RICP®, CLU®, ChFC®, AEP®, a fellow professor at The College and retirement planning expert, discuss recent shockwaves across financial markets and how financial professionals can best respond — especially when talking with their clients nearing or in retirement. They explore strategies to ensure clients' assets are secure, put them at ease with historical context, and more. Find all episodes now at TheAmericanCollege.edu/Shares.

Tariffs, inflation, healthcare costs... how do you shift from saving to spending in retirement while managing risks like these? Jamie Hopkins is a CERTIFIED FINANCIAL PLANNER® professional, an attorney, and best-selling author of Find Your Freedom and Rewirement: Rewiring the Way You Think About Retirement. He returns to the show today on Your Money, Your Wealth® podcast 525 with Joe Anderson, CFP® and Big Al Clopine, CPA, to share insights on how to rewire your retirement plans. Plus, how should Fred and Ginger in Huntington Beach, California, pay for repairs on their rental properties? How can Peter Lemonjello manage taxes in his early retirement with 72(t) elections, rental income, and an installment sale? Can Calvin and Susie in Lancaster, Pennsylvania, buy an $800,000 beach house - and should they? Free financial resources & episode transcript: https://bit.ly/ymyw-525 DOWNLOAD The Recession Protection Guide WATCH the Market Volatility webinar with Joe Anderson, CFP® and Brian Perry, CFP®, CFA from Pure Financial Advisors on demand  DOWNLOAD 10 Tips for Real Estate Investors WATCH How Your Home Can Create Retirement Income on YMYW TV 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 Thanks to Million Podcasts for ranking YMYW in several of their "Best of" lists! Read more. Timestamps: 00:00 - Intro 00:59 - Rewiring Spending and Managing Risk in Retirement with Jamie Hopkins Esq., LLM, CFP®, ChFC®, CLU®, RICP® 24:07 - Watch the Market Volatility Webinar On Demand, Download the Recession Protection Guide 24:52 - How Should We Pay for Repairs on Rental Properties? (Fred & Ginger, Huntington Beach, CA) 33:06 - Early Retirement Taxes: 72(t) Timing, Installment Sale, and Rental Income (Peter LemonJello, FL) 44:02 - Watch How Your Home Can Create Retirement Income on YMYW TV, Download 10 Tips for Real Estate Investors 44:33 - Can and Should We Buy an $800K Beach House? (Calvin and Susie, Lancaster, PA) 53:33 - YMYW Podcast Outro

Explore the rising threat of national debt, future tax hikes, and how Americans can prepare.The Concierge CPAWith Jackie MeyerFor CPA TrendlinesThe U.S. is hurtling toward an economic reckoning, and most Americans are dangerously unprepared. That's the warning delivered in the latest episode of The Concierge CPA podcast, where host Jackie Meyer sits down with financial planning expert David Spence, CPA, CFP, CLU, PFS, to unpack how today's economic decisions could impact tomorrow's taxpayers.More Jackie MeyerSpence's message is clear: history shows that skyrocketing national debt leads to one inevitable outcome—higher taxes. "After World War II, with debt at 120% of GDP, top tax rates soared to 94%," Spence explains. "Today, we're at 130% of GDP, and we're already paying massive interest on our debt—more than we spend on defense."Given these realities, Spence argues it's critical for Americans to shift their focus toward tax-free income sources. Strategies such as Roth IRAs, Health Savings Accounts (HSAs), and Life Insurance Retirement Plans (LIRPs) could become lifelines in a future where traditional retirement accounts might be heavily taxed.

What does successful networking look like for those in the financial services industry, and why does it matter? It's more than just attending a mixer and collecting business cards! Join Kirsten Schlumbohm, Vice President of Annuity Sales at C2P, and special guest Julie Pinkerton, CLU, ChFC, LUTCF®, Chief Executive Officer & Managing Member of Evozen. They discuss the importance of networking, becoming referable, and the unique challenges within the industry, particularly for women and minorities. Pinkerton shares her journey from starting in financial services to founding the ClientFirst™ platform, aimed at enhancing the visibility and success of financial professionals by fostering a more inclusive and supportive community. Tune in for insightful strategies to grow your practice and make impactful connections in the financial industry.ResourcesClientFirst™ — Digital community platform for financial professionalsWomen in Insurance & Financial Services (WIFS) conferenceSourceshttps://www.knoxnews.com/story/money/business/2021/10/14/your-professional-image-starts-great-headshot/5797101001/

#ThisMorning on #BRN | #Retirement | #2030 | #WhatToKnow About #Disability #Insurance | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

Lori Hurkin is the Director of Casualty Claims at Nationwide Insurance. Lori has over 31 years of experience and has worked for State Farm and Nationwide. Lori spent six years honing her leadership skills and facilitating effective communication within teams as a development trainer. She has 24 years of experience in auto claims and has navigated every stage of the claim life cycle in multiple leadership roles. Lori achieved her CPCU certification in 2003 and has remained involved with the Iowa chapter and the Ethics Committee at the national level. Lori holds several prestigious designations, including CLU, CFC, SCLA, and CIC. She is a certified facilitator for both the Vital Smarts Influencer program and Corporate Coach U's Coaching Clinic. In this episode of In the Know, Chris Hampshire and Lori discuss ethics, the past, present, and future of claims, and Lori's approach to leadership training.   Key Takeaways Lori's customer service background led her into the insurance industry. In technical claims, Lori works to implement enhanced claims automation. The current state of claims automation. AI's role in the evolution of automation is encouraging but still limited. Insights into the threat actor space. The importance of ethics and insurance is highlighted in the CPCU space. Examples of ethical dilemmas in insurance. Solid leadership development in the next generation of the insurance industry. Lori's message to anyone considering a career in claims. The benefits of the CPCU designation. A five-year look at the future of the insurance industry. Lori's encouraging advice to her early career self.   Quotes “There are a lot of companies that are looking to capitalize automation, not only for the company but for the customer.” “Doing the right thing may not always be the simple answer in insurance.” “We need to make sure that we are creating and developing professionals in our baseline associates.” “Creating that world-class underwriter mindset is very important.”  

In this special episode recorded live at The College's Horizons 2025 conference, Professor of Practice Steve Parrish, JD, RICP®, CLU®, ChFC®, AEP® speaks with author David McKnight about the ubiquitous nature of financial planning “gurus” in the media today and how their advice, while it may give your clients comfort, may not always be in their best interest. They talk about how to differentiate sound advice from sound bites, and why financial professionals should keep open dialogues with clients about things they hear and what's backed up by the facts. Any views or opinions expressed in this podcast are the hosts' and guests' own and do not necessarily represent those of The American College of Financial Services. For more episodes, visit TheAmericanCollege.edu/Shares.

Martin Luther once said, “There is no more lovely, friendly, and charming relationship, communion, or company than a good marriage.”A strong marriage is a blessing but requires intentional effort, especially in a blended family. Today, Ron Deal and Greg Pettys join the show to discuss a valuable resource for second marriages.Ron Deal is a bestselling author, licensed marriage & family therapist, podcaster, and popular conference speaker who specializes in marriage enrichment and stepfamily education and is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family. Greg Pettys, CLU, ChFC, CFP, has thirty-four years of specialized experience in securities and life insurance sales and services. He is the co-author of The Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family.Understanding the Financial Challenges of Blended FamiliesWhen two people enter a marriage with previous financial histories, children, and life experiences, their financial situation becomes more complex than that of a first-time marriage. They may bring:Separate bank accounts and investmentsExisting debts and financial obligationsDifferent parenting and financial philosophiesThe need to provide for children from previous relationshipsConcerns over inheritance and estate planningMerging finances in a blended family isn't just about money—it's about trust, provision, and love. Without clear communication and planning, financial disagreements can create tension, causing stress in the relationship.What Is a Togetherness Agreement?A Togetherness Agreement is a structured approach for blended couples to clarify their financial decisions, ensuring transparency and unity. More than just a financial plan, it is a tool for fostering trust and eliminating fear. It's not just about bank accounts and investments—it's about love, respect, and providing well for one another. It brings clarity to emotionally charged financial topics, ensuring that both partners are aligned in their vision for the future.Why Is a Togetherness Agreement Important?1. It Provides Financial TransparencyMany couples enter marriage with financial baggage—whether it's debt, differing views on money management, or past experiences that have led to distrust. A Togetherness Agreement creates a safe space for full financial disclosure.2. It Helps Prevent Conflict Over MoneyMoney is one of the top stressors in any marriage, but in blended families, the stakes are even higher. The agreement ensures both spouses are on the same page regarding financial expectations and responsibilities.3. It Protects Children and Future GenerationsWithout a clear plan, assets and inheritance can unintentionally drift away from children from previous marriages. The agreement helps ensure that financial resources are distributed according to the couple's wishes, not just default legal systems.4. It Strengthens Marital Trust and UnityA Togetherness Agreement fosters open communication, allowing couples to plan their future confidently rather than fearfully. It shifts financial discussions from potential sources of conflict to proactive, loving conversations.What Should a Togetherness Agreement Include?A Togetherness Agreement can be as formal or informal as a couple chooses. While some opt for a legally binding contract, even a simple written plan can be valuable. Key components may include:Bank Account Structure—Should finances be merged, kept separate, or a combination of both?Debt and Credit Considerations—How will existing debts be managed, and how will future credit decisions be made?Business Ownership—If one spouse owns a business, what will happen to it in the event of death or divorce?Financial Responsibilities—Who is responsible for household expenses, savings, and long-term care for aging parents?Inheritance and Estate Planning—How will assets be distributed to biological and stepchildren?Contingency Plans—What provisions are in place for special needs children, elderly parents, or unexpected life changes?When Should Couples Create a Togetherness Agreement?Ideally, discussions about financial planning should begin before marriage. However, it's never too late to start if you're already married and haven't had these conversations.If you're dating, start the conversation now. If you're already married, don't wait—begin today. The Smart Step Family Guide to Financial Planning provides a step-by-step guide to help you navigate these important discussions.A Togetherness Agreement is an essential tool for blended families to navigate finances with wisdom, clarity, and love. By fostering open communication and financial unity, couples can build a secure foundation for their marriage and their future.If you're in a blended family, consider creating your own Togetherness Agreement today—it might be the most valuable financial decision you ever make.For more insights, pick up a copy of The Smart Step Family Guide to Financial Planning and start building a financial roadmap that aligns with your family's unique needs.On Today's Program, Rob Answers Listener Questions:My question has two parts. First, what is the best way to protect myself from identity theft? And second, our home is paid off - what's the best way to protect ourselves so someone can't come in and put a mortgage or lien on our house without us knowing about it?I'm calling regarding my estate planning. I remember somewhere in the Bible saying we are required or should leave something for our children and grandchildren. How much should we leave for our grandchildren?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly MagazineThe Smart Stepfamily Guide to Financial Planning: Money Management Before and After You Blend a Family by Ron L. Deal, Greg S. Pettys, and David O. EdwardsSplitting Heirs: Giving Your Money and Things to Your Children Without Ruining Their Lives by Ron BlueWisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

What if retirement wasn't just about slowing down, but rather speeding up to live out the dreams you've always had? Join Bryan Sweet, CLU®, ChFC®, as he reveals key strategies to build confidence in your financial future. Through smart planning and a focus on what truly matters, he'll help you create a fulfilling and secure … Read More Read More

#ThisMorning on #BRN | #Finance | #2007 | The Taxation of Life Insurance and Long-Term Care | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

The future of financial advice isn't just digital—it's cyborg. In this episode of Discovery Series: Unplugged, we welcome back the always insightful Angelina Hung, BA, CFP, CLU, CHS, EPC—Financial Marketing Nerd at Financial Tech Tools—to explore how advisors can merge human expertise with AI-powered efficiencies.From optimizing your digital brand to leveraging AI for sales scripts, client engagement, and compliance, Angelina breaks down the AC/DC model—Attract, Convert, Deliver, Collect—and how advisors can apply it to modernize their practice. Plus, we dive into the evolving role of AI in advisory services, the importance of personal branding, and whether Iron Man's Jarvis is closer to reality than we think. This episode is packed with practical strategies, humor, and a deep dive into the balance between tech and human connection. Will the advisors of 2040 be cyborgs? Tune in to find out!

ABBE LARGE, CLU, CLTC, Managing Director at Lenox Advisors, is a dedicated professional whose drive is to put her clients' best interests first. With nearly 30 years of experience, she is highly skilled in a variety of financial services, estate planning, and asset management solutions. With her corporate clients, she helps structure employee benefits as well as executive carve-out programs. Abbe is a passionate advocate for families and individuals dealing with difficult financial realities. She personally navigated these same financial complexities when caring for her father through his battle with pancreatic cancer. Abbe faced the same challenges she regularly helps others overcome, and gained an unique appreciation for the importance of being supported through these challenging times with grace and dignity. She believes that when money is removed from the equation, people can focus on what truly matters: love and family. Abbe's insightful empathy has made her a valuable resource to her clients in their times of need. Abbe was named on Forbes Top Financial Security Professionals in 2024, 2023, and 2022. Prior to Lenox, she spent eleven years at Cowan Financial Group and studied journalism at Ohio University's Scripps School of Journalism. In her free time, Abbe loves participating in outdoor activities such as paddleboarding, boating and skiing while also investing in her own health through good nutrition and exercise. Above all else, she values spending time with her husband and their three children and pup. With an unwavering commitment to both her profession and community alike, Abbe shines as an endlessly passionate individual who continually works towards achieving greatness every day. Abbe's info: Website: https://www.lenoxadvisors.com/ Facebook: https://www.facebook.com/LenoxAdvisors LinkedIn: https://www.linkedin.com/company/lenoxadvisors Please click the button to subscribe so you don't miss any episodes and leave a review if your favorite podcast app has that ability. Thank you! Visit http://drlaurabrayton.com/podcasts/ for show notes and available downloads. © 2014 - 2025 Dr. Laura Brayton

The Institute of Internal Auditors Presents: All Things Internal Audit In this episode, Mike Levy talks with Mike Jacka about the growing role of advisory services in internal auditing. They discuss how today's internal auditors are offering strategic insights that go beyond assurance work. They also cover how to balance objectivity with advisory work, how to fit advisory into audit planning, and how to show the value of these services. Host: Mike Levy, CIA, CRMA, chief executive officer and managing principal, Cherry Hill Advisory  Guests: Mike Jacka, CIA, CPA, CPCU, CLU, chief creative pilot at Flying Pig Audit, Consulting and Training Solutions  Key Points:  Introduction [00:00-00:06] The role of advisory services in internal audit [00:07-00:27] Balancing objectivity with advisory work [00:28-02:06] Early engagement and its impact on risk management [02:07-04:49] Real-world example: social media consulting [04:50-05:56] Advisory services in small vs. large internal audit functions [05:57-07:06] Pre-implementation reviews as a key advisory opportunity [07:07-09:32] Addressing the fear of losing objectivity in advisory work [09:33-10:45] Demonstrating advisory value to audit committees [10:46-14:08] Using assurance work to identify advisory opportunities [14:09-17:02] Developing skill sets for effective advisory work [17:03-19:03] The impact of strong relationships and trust in internal audit [19:04-22:41] How the Global Internal Audit Standards support advisory services [22:42-26:06] Fostering an advisory mindset within audit teams [26:07-28:18] Strategies for internal auditors to enhance their influence [28:19-30:37] Final thoughts and advice for internal auditors [30:38-32:00] The IIA Related Content: Interested in this topic? Visit the links below for more resources: Learning Solutions: The Advisory Engagement Visit The IIA's website or YouTube channel for related topics and more. Resources Mentioned: The IIA's Complete Global Internal Audit Standards The IIA's Cybersecurity Topical Requirement The IIA's External Quality Assessment (EQA) The IIA's Emerging Leaders Mentoring Program Follow All Things Internal Audit: Apple PodcastsSpotify LibsynDeezer

Host Steve Parrish, JD, RICP®, CLU®, ChFC®, AEP® welcomes Jason Fichtner, PhD, an expert on Social Security and retirement policy, for a conversation on the current status and future of the popular and cornerstone benefit program. They cover the impact of the latest regulatory updates on Social Security, what may happen to benefits in the future, and how financial professionals can work with their clients to secure their retirement planning. Find all episodes at TheAmericanCollege.edu/Shares.

Send us a textOn this episode of The Get Ready Money Podcast, I was joined by Luke Rother, the Managing Partner at Yetworth Collaborative to talk about busting the top 10 life insurance myths and what advisors need to know.Here are the myths we busted: Life insurance is only for people who are working/ people who have kids.Life insurance is too expensive.I have health issues, so I can't get life insurance.Group life insurance takes care of life insurance needs.Always buy term, never buy permanent insurance.Life insurance policies are set it and forget it. You don't need to review them.Life insurance is an investment (nope, it's insurance with an investment component)You can be your own banker.Indexed Universal Life policies are a ‘scam'.Fee based products (no-load policies) are always better options than commission based products.Luke Rother, CLU, CEPA is a life insurance specialist that has a passion for collaborating with trusted advisors to develop and implement risk protection related strategies to enhance the value that advisors bring their clients.  He entered financial services after working in the nonprofit sector following in the footsteps of his father, Randy, who has been a life insurance specialist for over 40 years. After working with a large insurance carrier, and working with his Dad, Luke decided to join the Yetworth team to expand his product expertise and to launch a dream business that caters to fee-only advisors.Connect with Luke Rother, CLU, CEPA:LinkedIn (here) Yetworth website: (here)Support the showThe Get Ready Money Podcast and its guests do not provide investment advice. All content is for educational purposes. Guest opinions do not necessarily reflect the opinions of The Get Ready Money Podcast and Tony Steuer.

On this episode of The Authority Company Podcast, Joe sits down with financial expert and author David Scranton to explore the secrets of attracting, rather than chasing, clients. As the author of Attract and Grow: The Financial Advisor's Blueprint for Attracting $50 Million in Annual Assets, David shares his insights on how financial advisors can differentiate themselves, build a thriving practice, and shift from a growth-based investing model to an income-generating strategy. David also breaks down the AIDA strategy (Attention, Interest, Desire, Action) and explains how advisors can leverage branding, education, and specialization to stand out in a crowded industry. He discusses the key elements of building a “$50 Million Team”, the importance of scaling a financial advisory business, and what the recent AI-driven stock fluctuations could mean for the market. Whether you're a financial professional looking to refine your approach or an investor curious about market trends, this episode is packed with valuable insights.DAVID J. SCRANTON, CFA®, CFP®, CHFC®, CLU®, is an Amazon bestselling author, nationally recognized money manager, and founder of Sound Income Group, Sound Income Strategies, Retirement Income Source, and Advisors' Academy. David is on a mission to help retirees and preretirees understand the strategic value of shifting their investment focus to an income-first approach. 

Record Guest Mix - Yves V 01. Yves V, Chester Young, .EXA - Insanity [Extended Mix] 02. MORTEN & David Guetta - Night In Detroit [Extended Mix] 03. Yves V & NEO - Slow Me [Extended Mix] 04. Rbør, Simo Moumen - Never Go Back (Extended Mix) 05. Zaro - Manema (Extended Mix) 06. Anthony Keyrouz, Felix Schorn - Spectrum (Say My Name) (Extended Mix) 07. Yves V, Sirona & Sonaba - unforgettable (Extended Mix) 08. Max Styler & CluÌb de Combat - On Repeat (Extended Mix) 09. Yves V & Sevenn - Pumped Up Kicks [Extended Mix] 10. Mau P - Merther (Extended Mix) 11. Yves V & Joyse - All Of The Lights (Extended Mix) 12. Max Bering - Chasing Dreams (Extended Mix) 13. Vintage Culture, Fancy Inc, Meca - Electricity (Extended Mix) 14. Yves V - Now Or Never (Club Mix) 15. Artbat Ft. Braev - Humans (Original Mix)

Send us a textDr. Giovanna  Del Guidice has spent her entire career in pursuit of promoting a more humane and relationship-based treatment ethos for people living with mental health conditions.  In this interview we hear the story about how she boldly travelled to Colorno Italy as a young psychiatrist in her 20's to meet Franco Basaglia in person.  The fact that she had read his books and wanted to follow his lead, because she was uncomfortable with the teachings of conventional psychiatry, clearly impressed him because you will hear the story about how she was offered a job and became part of the original equipe!  On her part, it was a bold move but clearly changed the trajectory of her life.  Giovanna, since 2010, has been involved in the Conferenza Basaglia (CONFERENZA PERMANENTE PER LA SALUTE MENTALE NEL MONDO FRANCO BASAGLIA ).   This is an organization that she co-founded with Dr. Franco Rotelli, the psychiatrist who followed Franco Basaglia to lead the mental health department in Trieste in the late 1970's.   She currently serves as president.From the website, her biography is presented:“Psychiatrist, one of Franco Basaglia's collaborators, has worked since 1971 in the deconstruction process of the Trieste psychiatric hospital and for the construction of community mental health services. She was director of the mental health department of the Caserta Health Authority (2002-2006) and of Cagliari (2006-2009). Mental health consultant of the Calabria health councilor. She is a champion for the abolition of mechanical restraint in mental health services,  which is seen as a remnant of the old asylum culture and is detrimental to the dignity and rights of those who suffer it, but also negatively impacts the operators who are required to implement it.  She is the author of a book … e tu slegalo subito (“and you untie it immediately”) which was published in 2020.  [Note:  this Vimeo trailer for the book underscores why this is such an inhumane practice.] In this episode, we are aided by the translation skills of Erika Rossi, a documentary filmmaker who recently directed a film that features Giovanna Del Guidice among many others.  The film, 50 years of CLU, captures the story of the formation of the first social cooperative in Trieste.  

In this episode of The Concierge CPA Podcast, Dr. Jackie Meyer interviews Dave Spence, founder of Tax-Free Tutors. They dive into advanced tax strategies, including the Life Insurance Retirement Plan (LIRP), and discuss how to create scalable accounting practices. Learn about overcoming industry challenges, identifying red flags in partnerships, and building tax-free income sources for the future. This episode is packed with actionable insights for accountants and financial advisors looking to elevate their services and plan for long-term success.

#ThisMorning on #BRN #Finance #1962 | Using Life Insurance as a Savings Vehicle | Phillip Snyder, CLU, The Warner Companies  | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday | #Subscribe with #DiscountCode ‘BRN20'

Hello Rank Squad! We're taking things a little off-piste this week here on Ranks, stepping away from the transfer news that has dominated the headlines (and our recent podcasts) to take a bit of a wider look at the season so far as a whole - and specifically who has put themselves in strong positions to lift trophies at the end of the campaign. We start things off by looking back at the final of the Supercopa de España where Barcelona beat Real Madrid 5-2 to lift their first silverware of the season, and examining what the performance means for the hopes of both clubs for the rest of this season. It leads us into a discussion around the Champions League and who looks on course to go deep. In Part Two, we discuss four of Europe's biggest leagues, the Premier League, the Bundesliga, La Liga and Serie A, and the title races that exist within them; before finishing with a quick look at the Europa League and the Conference League for good measure.It's Ranks!  And remember, if you'd like more from the Rank Squad, including extra podcasts every Monday and Friday (including our weekly Postbox taking a look at the whole weekend of football) and access to our brilliant Discord community, then why not join us here on Patreon?

Another hour of beats and melodies. Yotto drops his new compilation, Odd One's v3Odd One Out Intro 00:00:001. Yotto - Illusion 00:00:322. Raiku - Antics Ensue 00:06:133. Hydrah & Movement Machina - Surround Me 00:10:214. Bruno Longhitano - Vested Interest 00:14:445. Jesabel - Release 00:20:256. Lake Avaion & Deeparture - Sonic Sunset 00:25:237. Naeiiv - Backdraft 00:29:508. NEBESA - Agama 00:32:299. Miss Monique, GENESI, Carl Bee - Nomacita 00:37:3410. Max Styler & Clüb de Combat - On Repeat 00:39:4911. Massano, TH;EN, Carlo Whale - Touch Me 00:42:2612. Greta Levska, Sian and Sacha Robotti - Insanity 00:45:1113. Soul Button, Monarke - Experience Love 00:48:4114. ARTBAT & Vintage Culture - She The Last One 00:52:1115. Boris Dlugosch & Roisin Murphy - Never Enough (Chocolate Puma Yotto Edit) 00:56:20

#ThisMorning on #BRN #Finance #1935 | What You Need to Know When Buying Long Term Care Insurance | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday | #Subscribe with #DiscountCode ‘BRN20'

In this episode, we dive deep into the U.S. Federal Reserve's latest rate cut announcement, bringing the fed funds rate down by 25bps for their final decision of the year. We discuss why markets reacted sharply to the news and what it means for investors. We also spotlight 10 ETFs to watch for 2025. From strategies to hedge against the "Magnificent Seven" in the S&P 500 to leveraging rate-sensitive sectors like utilities, we cover it all. Tickets of ETFs discussed: ZGLD.TO, ZLB.TO, CLU.TO, PRF, RSP, FBTC.TO, ZEO, HXE, HUTS.TO, UBIL-U.TO Check out our portfolio by going to Jointci.com Our Website Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Sign up for Finchat.io for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

1. Swimming Paul - Different Time 2. Zen/it - Often 3. D.O.D - Reach For You 4. Silque - Hold Me 5. NIIKO X SWAE - Alarm (feat. Jazara) 6. Ruben de Ronde & Amber Revival - Illuminate 7. Monocule & LAMAS (BR) - Sign 8. Empire Of The Sun - We Are The People (ARTBAT Remix) 9. Anyma & Massano - Angel In The Dark 10. Laura van Dam - Insomnia 11. George.Alexander - Be Loved 12. Max Styler, Clüb De Combat - On Repeat 13. Salt-N-Pepa - Shoop (Plastik Funk & Toxic Joy Remix) 14. Santti - Set Me Free 15. Going Deeper & RITN - Connect 16. Disco Lines, SIDEPIECE, Mike Sherm - Fuck It Up 17. Will K - FCK FAME 18. Sevek & Crime Zcene - Bimbo 19. Endy Bros. - You Make Me Feel 20. Retrovision - Can You Feel It

Moderator: Bela A. Pandit, DPM, FACFAS Guest speaker: Sara Samuels, JD, CLU, RICP Run Time: 32m

In this episode, I sit down with Tony Steuer, CLU, LA, CPFFE, an internationally recognized financial preparedness advocate, podcaster, and award-winning author of The Get Ready! Blueprint: A 52-Week Guide to Changing the Way You Think About Money. Tony shares powerful insights and practical tips from his book, designed to help you take control of your finances and redefine your relationship with money. We discuss the importance of understanding your money, why mindset is key to financial success, and how The Get Ready Method can serve as a blueprint for achieving your financial goals. Whether you're looking to create a budget, save for the future, or build wealth, this episode is packed with actionable advice to help you along your journey. What You'll Learn in This Episode: Why changing your mindset is the first step to financial freedom. The core principles of The Get Ready Method and how to apply them. Practical tips for integrating financial products and working with advisors. How to create a sustainable financial plan that works for you. Key takeaways from The Get Ready! Blueprint. Resources Mentioned: Tony Steuer's Website: http://www.tonysteuer.com/ The Get Ready! Blueprint: A 52-Week Guide to Changing the Way You Think About Money (Available on Amazon and other retailers) Follow Tony Steuer on Instagram: https://www.instagram.com/tonysteuerauthor/ Visit our website: businessbeautynetwork.com https://linktr.ee/Btaylor --- Support this podcast: https://podcasters.spotify.com/pod/show/bbnp/support

Join Aileen Miziolek as she sits down with Sandy Pollack, author of Don't Leave a Mess and expert in values-based legacy planning, and Annie Stoneburgh, Death Doula and geriatric care specialist, to discuss the intersection of estate planning, family business transitions and end-of-life care. Discover how open, meaningful conversations can help families navigate these sensitive topics and create a lasting legacy.   Welcome to Let's Talk Family Enterprise, a podcast that explores the ideas, concepts, and models that best serve Family Enterprise Advisors in supporting their clients.   All views, information, and opinions expressed during this podcast are solely those of the individuals involved and do not necessarily represent those of Family Enterprise Canada.   Guest bio Sandy Pollack, CFP, CLU, TEP, FEA, MFA-P founded Trimaran Advisory Group, a firm that goes beyond traditional business and estate planning. She has built an advisory firm based on the understanding that each family business has its own unique set of values and issues. Serving as Principal and Lead Financial Advisor, Sandy advocates for values-based legacy planning — believing that building wealth, and managing wealth are not the same thing.   You can learn more about Sandy Pollack on her LinkedIn and the Trimaran Advisory Group website.   Annie Stoneburgh is the founder of the 2 Steps Ahead consultancy and a professor at George Brown College. She leverages her expertise and passion to raise awareness and educate others on the psychosocial aspects of caring for older adults. Her 30-year career has spanned the entire continuum of geriatric care including Independent Community-based Living, Retirement, and Long-Term Care to Palliative Care.   You can learn more about Annie Stoneburgh on her LinkedIn.   Key Takeaways [:26] Aileen Miziolek welcomes Sandy Pollack, financial and family business transition advisor, and Annie Stoneburgh, Professor at Gorge Brown College and Death Doula to discuss a delicate subject.   [1:47] Sandy explains what drove her to write her book Don't Leave a Mess.   [3:31] Annie shares how her path led her to study end-of-life care and how she became a Death Doula.   [7:41] The archeology analogy Sandy uses to explain how she approaches and structures estate planning discussions with families.   [11:21] Meeting a family for the first time implies one difficult request from Annie and how hope changes as conversations progress.   [17:06] The advisor's mindset and their tendency to “silo” can impact end-of-life conversations. Sandy offers ways of digging into deeper conversations.   [20:18] Aileen shares a personal story about navigating the end of her husband's life and working with a Death Doula.   [23:34] What being the “what if” means for Annie and why leaving your career at the door when it comes to caregiving in end-of-life is critical.   [29:17] Communication (times 3), expectations, and agreement are the key aspects of having a smooth-running family system, especially in the context of a family business transition.   [32:52] The important role facilitators play in processing change.   [34:18] Annie and Sandy share their advice for advisors as well as some reading recommendations.   [38:36] Aileen Miziolek thanks Sandy Pollack and Annie Stoneburgh for sharing so much of their expertise and closes this episode by reminding listeners to rate and subscribe.   If you enjoyed today's episode, you can subscribe to Let's Talk Family Enterprise on Spotify, Apple Podcasts, and other podcast apps. Please remember to share this episode with family, friends, and colleagues. Share your thoughts with us at fea@familyenterprise.ca.   Mentioned in this episode Don't Leave a Mess!: How to Disaster-Proof Your Family Legacy, by Sandy Pollack Hope for the Best, Plan for the Rest: 7 Keys for Navigating a Life-Changing Diagnosis, by Samantha Winemaker and Dr. Hsien Seow   More about Family Enterprise Canada Family Enterprise Canada FEC on Facebook FEC on Twitter FEC on LinkedIn

As a new year settles in, it's important to stay focused on your plans and aspirations. In this episode, members of the MDRT Executive Committee share how coaches and other MDRT members provide encouragement while preventing them from losing sight of what they want to achieve. You'll hear from: MDRT President Carol Kheng, ChFC MDRT First Vice President John F. Nichols, CLU, MSM Episode breakdown: 0:30 – How a coach can help you in numerous areas of your professional and personal life 1:55 – The difference that comes from having another person journeying with you 3:21 – Achieving Top of the Table with the help and support of other MDRT members m Listen to the monthly series, MDRT Presents: @mdrtpresents

Follow Us On Our Social Media@mashdnkutcher@richardvission@siriusxm@sirusxmpitbull@wearepowertoolsRichard Vission Tracklist Max Styler & Clüb de Combat  - On Repeat Yuuki Yoshiyama - Rise Up (Richard Vission Edit)Kendrick Lamar - Squabble Up (Hills Remix)Richard Vission - Bom Bom BomJesús Fernández - Guayabú (Richard Vission Edit)Martin Ikin x Grant Nelson - Out Of My Head Round Table Knights - Calypso (R3WIRE VIP Edit)Green Velvet - Percolater (Acapella)Hollaphonic x Boothed - Get Down On It Cloonee x Young M.A x Inntraw - StephanieKamelia - Shut Your Lips (Richard Vission Edit)Eats Everything - Upside Down (Richard Vission Edit)CASSIMM - Valerie BLOND-ISH & Night Tales - Shout It Out Mashd N Kutcher Tracklist  Mashd N Kutcher x Powertools - Feel The Boombox (MNK Mashup) Feel It (Powertools DUB) Richard Vission Purple Disco Machine - My House A$AP Rocky - Wild For The Night Duck Sauce - LALALA Deekline & Tim Healey ft Babe Ruth - The Mexican Jack Harlow - Lovin On Me Valentino Khan - Deep Down Low Get Get Down - Paul Johnson Central Cee - One Up Linkin Park - Numb Hook N Sling - Heat It Up Joey Valance & Brae - Double Jump Earth Wind & Fire - September Sean Paul - Get Busy (Odd Mob Remix) Mashd N Kutcher - Don't Hold Back Souvlaki - Inferno Jamelia - Superstar Weiss - Feel My Needs Marshall Jefferson - Move Your Body G Unit vs Mau P - Poppin (MNK Edit) House Mafia - Turn Out The Lights Pink Pantheress & Ice Spice - Boy's A Liar Pt II Eric Prydz - Proper Education Mashd N Kutcher - On My Mind Rubber People - Do It To me Boney M - Rasputin Drake - What's Next Weiss - Where Do We Go Alan Parsons Project - Games People Play Cloonee vs ATLiens - Eatin Yak (MNK Mashup) Travis Scott x Mashd N Kutcher - FE!N x Legacy (MNK Mashup) Hype - Darude & Mashd N Kutcher (Unreleased Exclusive) The Prodigy x Raye - Pradigy (MNK Mashup) John Summit x Boombox Cartel x RL Grime x Hanumankind x Chase N Status x Phil Collins - MNK Megamash

This episode of In The Know features incoming 2025 CPCU President Sherry McFadden. Sherry recently retired from her position as Director of Enterprise Customer Care in Phoenix, AZ. Throughout her 34-year career with State Farm, she held various leadership roles in human resources, personal lines underwriting, and claims. Ms. McFadden has completed several insurance designations including CPCU, CLU, ChFC, and FLMI. She also holds a Master of Science degree in Human Resources from the University of North Florida and a Bachelor of Science degree in Economics from Tougaloo College, MS. Sherry has served as a member of the executive board of the CPCU Society Leadership Council. She held leadership roles as the past Mountain States governor, past president, and vice president of the AZ CPCU Chapter. She has also served as the current board chair of the Greater Phoenix Urban League, the Western Region Board Trustee with the National Urban League, a member of the National Urban League Council of Board Chairs, and president of her local chapter of the Alpha Kappa Alpha Sorority, Inc. Together with Chris Hampshire, Sherry highlights her progressive career roles and leadership experience, the opportunities that her CPCU designation has provided in her career, and her vision for the CPCU Society in the coming year.   Key Takeaways   Sherry's path toward the role of 2025 CPCU President. The analytical side of insurance has always appealed to Sherry. Relocating seven times has offered challenges and rewards for Sherry's career. Major changes to the industry over the last three decades. The importance of continuing education in Sherry's career. DEI is an integral part of attracting new talent to the insurance industry. Sherry's involvement in the CPCU Society started with a desire for career movement and a rewarding challenge. As the 2025 CPCU President, Sherry will focus on striving for excellence. Encouragement for anyone who is considering joining the CPCU Society. A look at the future of technology and talent in the industry. Sherry's self-reflective advice to her early career self.   Quotes “My CPCU designation has helped me grow professionally, academically, and also as a leader.”  “When there's change, there's always risk, but there's also opportunity.”  “My CPCU designation is all about career movement and the opportunity to prove my intelligence and my abilities.”  “In the CPCU Society, the one thing we all have in common is the pursuit of our designation.”  

Overcoming the Fear of Failure – Let's Unplug This Together Hey, you. Yes, you. Have you ever felt stuck, frozen in the headlights of your own expectations? Like you've got to get it just right or not bother at all? That nagging fear of failure with that belief of "I'm not good enough"—it creeps in, doesn't it? It stops us before we even start. But guess what? Today, we're pulling the plug on all that. In this episode, we're diving deep into what's really behind that fear of failing. Spoiler alert: it's not about being perfect. It's about the stories we tell ourselves, the beliefs lurking in the shadows of our subconscious, and the ways we unknowingly keep ourselves stuck. But don't worry—we're not here to wallow. We're here to shift. What We'll Uncover: Why your unconscious mind stirs up all that anxiety—hint: it's trying to protect you, just not in the best way. The roots of perfectionism and how they keep you from living your best, most adventurous life. How to rewrite those old stories—yes, the ones that tell you “you're not good enough.” Tapping into your wins—those times you nailed it, even when you doubted yourself. Anchoring powerful, feel-good emotions to calm that inner critic and give you the courage to. There's loads of golden nuggets here along with the 'HOW' to change Please share so that others too can create the life they deserve - pay it forward https://personaldevelopmentunplugged.com/421-afraid-to-fail-lets-change-that Enjoy, shine and be well Paul Shine Brightly

Watch The Video Here:  https://youtu.be/kIQ4urF2FnU   Jacksonville, FL – October 24, 2024 – Local business professionals and entrepreneurs convened for The Liquidity Event, hosted at Maggiano's in Jacksonville, Florida. This dynamic lunchtime event featured three inspiring speakers who delivered actionable insights: Jonel Hein, District Director for the U.S. Small Business Administration North Florida District, shared critical resources available to small businesses through SBA's consulting, financing, and disaster recovery programs. T.R. Richardson, Chief Training Officer of Richwood International, provided an in-depth look at government contracting, offering practical strategies for navigating the process and scaling business opportunities with local, state, and federal agencies. Randolph Love III, ChFC®, CPCU®, CLU®, and Founder of ShieldWolf Strongholds, empowered attendees with innovative financial strategies to grow and protect wealth.   Attendees left inspired and better equipped to tackle business challenges, take advantage of government contracts, and leverage resources for long-term growth. "If you're not exploring government contracting as a small business owner, you're leaving revenue on the table," said T.R. Richardson, whose presentation drew significant interest. Interactive discussions, networking, and opportunities to showcase businesses were highlights of the event. Participants were also introduced to SBA's Thrive program, which supports small business owners with growth strategies over six months. One attendee remarked, "This event was packed with value. The resources shared by the speakers will have a lasting impact on my business." Mark Your Calendar for the Next Liquidity Event The next Liquidity Event is set for January 9, 2025, at 6:30 PM ET at Maggiano's in Jacksonville, Florida. This after-hours format will provide even more opportunities to network and learn from industry leaders. Don't miss the chance to gain practical tools to elevate your business. Register Now Seats are limited! Secure your spot by visiting https://entreprenudist.com/liquidity or contacting ShieldWolf Strongholds at 904-822-4262. About The Liquidity Event: The Liquidity Event is a monthly gathering designed to equip business owners with the knowledge, tools, and connections necessary to achieve success and scale sustainably.

Today, we're thrilled to welcome the incredible Carolyn Armitage In the Suite. Carolyn is a force in wealth management—a true pioneer with a career that's redefined advisory, consulting, and executive leadership. As the Founder and CEO of RIA Circle, she's not just building a network; she's igniting a movement. Within RIA Circle, Carolyn is shaping a vibrant, purpose-driven community where advisors gather to connect, grow, and empower each other, one meaningful connection at a time.In this episode, Carolyn takes us through her journey—from her early days as a fearless young advisor to founding RIA Circle, an innovative community that empowers advisors through connection and learning. We'll also explore her unwavering commitment to giving back and how she sustains a balance between career and service. Since beginning her career as an advisor, Carolyn rapidly ascended the ranks of leadership roles across prominent wealth management firms, including HD Vest (now Avantax), ING Advisors Network (now Voya), and Thrivent Advisor Network. Her experience leading LPL Financial's Large Enterprise Consulting Team and consulting with ECHELON Partners has given her unmatched expertise across the wealth management value chain.Formerly holding numerous FINRA and insurance licenses, she holds the CFP®, CIMA®, CLU®, and the ChFC® designations and has a Bachelor of Science in Business Administration from the University of Minnesota and a master's in management from The American College. But that's not all, Carolyn's impact goes even further. Inspired during the financial crisis, she launched True Circle, a personal mission turned powerful nonprofit, creating care packages for those in need. As a devoted wife and mother of four, Carolyn instills the values of empathy and service in her children, who actively contribute to the organization.Carolyn's story is a powerful reminder of the importance of community, resilience, and service. Join us as we dive into her insights on building meaningful connections, her passion for creating positive change, and her inspiring vision for a more inclusive industry—right here, In the Suite.

Like you, personal finance specialist and noted media contributor Leonard Raskin has seen significant change in money matters and management during his career of over 27 years. Leonard has a unique ability to make simple, the complexities of an ever evolving financial marketplace. His fusion of straight forward, honest advice with a warm personal touch is what you can expect if you engage his services.Leonard holds a Masters Degree in Financial Services. He is a CFP, ChFC, CLU, CASL*, CAP, AEP.Leonard works with The Lardarius Webb Foundation, The Jacoby Jones Foundation, and the Steve Smith, Sr. Foundation. His charitable work, contributions to the organizations and his welcoming conversations with the people he advises enable them to understand that their lives are taken care of by somebody that knows what he's doing.Born and raised in Baltimore, he now lives just 20 minutes from his childhood home. He married Kathy (Uhlan) in February 1994. Kathy is a Certified Public Accountant (CPA). They currently live in Phoenix, Maryland with their son, Matthew and his dog Larry. Connect with Leonard Raskin: Website: WWW.RaskinGlobal.com Facebook: www.facebook.com/RaskinGlobal LinkedIn: www.LinkedIn.com/in/LeonardRaskin TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

#BRN #Finance #1883 | Common Life Insurance Mistakes | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com | #Independent. #GetTheFullStory. #JustTheFacts. #Everyday. #AllInOnePlace.

Lindsey Lewis, MBA, CFP®, ChFC® speaks with Padric H.B. Scott, AEP®, CFP®, ChFC®, CLU®, WMCP®, CCFC, CAP®, MSFP, founder and CEO of Crossroads Capital Partners and a member of The College's FinServe Network and NextGen Advisory Task Force, about his philosophy of coordinated planning. They discuss Scott's background in the NFL and transition to financial services, as well how he has adapted the strategies of a winning football team to a new approach toward managing client relationships. Find all episodes at TheAmericanCollege.edu/Shares.

I believe understaning this will empower you to succeed in areas you feel like you consitently fail. Dive in! Love you guys!   PODCAST SPONSOR:   Caleb Christian  CFP®, CLU®, ChFC® Wealth Advisor Phone: (832) 461-0789 ext. 408 Fax: (832) 478-5414 Email: Caleb@GraniteHarbor.com  

Powerball, Mega Millions Cash for Life and more. Missouri offers many games of chance that have potential benefits for the players and guaranteed benefits for the State. In fact, the Missouri Lottery has contributed about 3 to 4% of the annual State funding for public education in the State of Missouri, more than 8 billion dollars to the State since 1986. These games describe the chances that a player will win a given game, often using calculations common in a probability class, such as permutations and combinations. So what happens if you check the calculations and you find that the calculations are not correct. A tale of lottery calculations, checked and fixed, is the focus of this episode of Stats and Stories. Dr. Matthew McIntosh is an Assistant Teaching Professor in the Department of Statistics at the University of Missouri. Before transitioning into academia, Dr. McIntosh spent nearly three decades in clinical research, bringing valuable real-world insights to his teaching and research. In the Spring of 2023, he developed the Keno Project, an initiative aimed at correcting the displayed odds of winning the Keno lottery game in state lotteries, with a focus on engaging undergraduate students in statistical research. The project's first manuscript has been accepted for publication in Significance magazine. His research interests include power analysis, sample size determination, and promoting undergraduate research in statistics. Dr. McIntosh's recent publications in sample size calculations focus on multiple linear regression and multivariate one-sided hypothesis tests. In 2018, outside his university work, Dr. McIntosh created statisticsmatt, a YouTube channel that offers tutorials and educational content for both undergraduate and graduate statistics students.  Joseph is a senior studying Mechanical Engineering with a minor in Mathematics at the University of Missouri. Since his sophomore year, he has contributed to the Keno Project, using statistical models to derive accurate odds for the lottery game Keno, addressing discrepancies often found on state lottery playslips and websites. His work, which has been accepted for publication in Significance magazine, marks a key milestone in his academic journey. As an active member of the Mizzou Racing team, Joseph helps design and build a formula-style car from the ground up, gaining hands-on experience in motorsport engineering. This aligns with his goal of pursuing a career in motorsport, with the ultimate aim of working in Formula 1. He has also completed several engineering internships, honing his technical skills in various areas of the field.  Gary G. McIntosh, CLU has for the past 15 years of semi-retirement, has dedicated his efforts to establishing Allen County's Your Community Foundation, where he currently serves as an active advisor. His team focuses on fostering community engagement and promoting growth through education and collaboration.He has held leadership roles in several organizations, including the Jaycees, Chamber of Commerce, and as both City and County Commissioner. He has also served as an at-large board member for School District 257 and as a trustee for Allen Community College.

Episode 033 | Larry Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (oh my!) of Physician Financial Services is a great person to know if you're in the market for disability insurance. If you're a physician and have never even thought about or heard of disability insurance, he's an even better person to know.There is no shortage of insurance agents and/or financial advisors who work with or want to work with physicians. However, the one thing that cannot be replicated is experience. Working with an Insurance Agent familiar with the underwriting of both disability and life insurance policies can potentially minimize any surprises during the process.Larry spoke at the 2022 Physician Wellness and Financial Literacy Conference (WCICON22) and is a frequent contributor to White Coat Investor. While he might not be a doctor's first phone call regarding their insurance needs, he is often their last.Tune in to hear Larry's story and learn about the vital role disability insurance plays in a physician's overall financial health.Connect with and learn more about Larry Keller, CFP, and Physician Financial Services

Host Eric Ludwig, PhD, CFP® talks with retirement planning experts Daniel Crosby, PhD, and Jamie Hopkins, Esq., LLM, CFP®, ChFC®, CLU®, RICP® to examine the latest in behavioral finance knowledge and insights present in Crosby's upcoming book, The Soul of Wealth. They discuss how to ensure your clients' happiness and wellbeing in retirement, the power of psychology in financial planning, the importance of understanding clients' money stories, and more. Find all our episodes at TheAmericanCollege.edu/Shares.

Is an executive or leader in your company struggling? Reach out to Eric to discuss how his transformative executive coaching approach can help. Schedule a 10 minute call with Eric today to learn more: 10minuteswitheric.youcanbook.me Employee Stock Ownership Plans (ESOPs) are a topic many construction companies consider when planning their business transitions. ESOPs are a proven strategy that allows owners to leverage the wealth they've built through hard work and dedication. Kelly Finnell, J.D., CLU, AIF, is one of the nation's premier Employee Stock Ownership Plan (ESOP) consultants. For over four decades, he has been assisting business owners in creating and implementing ESOPs. He has spent decades discussing ESOPs with corporations and groups, giving presentations at over 300 conferences and meetings in the United States and internationally in London and Sydney. His company, Executive Financial Services, is a national ESOP consulting firm founded in 1981 and headquartered in Memphis, Tennessee. Their diverse team of experienced professionals is focused on utilizing Employee Stock Ownership Plans (ESOPs) for Ownership Succession Planning and possesses deep expertise in this specialized area. He joined us today to talk about the process of building a successful ESOP. We start the conversation with Kelly explaining the biggest challenge in ESOPs: understanding what an ESOP is. Kelly further shares that business owners, especially in the construction industry, need to be patient and prepared for a steep learning curve. An ESOP serves both as a qualified retirement plan and as a liquidity strategy for current owners. Kelly then explains who would best fit ESOPS, saying that it is typically best suited for business owners seeking a gradual exit over five to eight years. For owners wanting to walk away and not look back, a third-party sale would be more appropriate. We then pay attention to the cultural transition that comes with an ESOP. Kelly shares that companies that prioritize maintaining their culture after a sale are ideal candidates for an employee stock ownership plan. Unlike third-party sales, which often lead to cultural shifts that can alienate both employees and customers, an ESOP facilitates an internal transition that helps preserve the existing culture. Further into the conversation, we cover the following topics regarding building a successful foundation for ESOP: ESOP failures and how to avoid them, the initial steps of getting familiar with ESOP, how to address the challenges that come with active and inactive children in a family-owned business, how to navigate personal guarantees.   EPISODE HIGHLIGHTS [02.01] Understanding what an ESOP is.  [06.21] Risks to be aware of when building a foundation for ESOP. [08.39] The standard time frame for exiting a company.  [10.50] The importance of effective communication when implementing an ESOP. [15.15] How to keep employees engaged in the ESOP process during the early years? [18.03] Cultural transition and ESOP.  [25.08] Avoiding ESOP failure.  [27.26] The first steps of getting familiar with ESOP. [31.11] Retirement planning.  [33.48] Addressing challenges regarding active and inactive children in a family-owned business.  [38.17] Navigating personal guarantees.   KEY TAKEAWAYS Consider your desired level of involvement post-sale when choosing an exit strategy. Effective communication and education are crucial when implementing an ESOP. Celebrate and Educate Prioritize Company Culture Start with Education and Expert Guidance   Are people problems eroding your company's profits? Discover proven strategies to lead, strategize, and sell effectively, ensuring your projects stay profitable. Elevate your construction business by purchasing Construction Genius: Effective, Hands-On, Practical, Simple, No-BS Leadership, Strategy, Sales, and Marketing Advice for Construction Companies today and turn your people problems into profit!: https://www.amazon.com/Construction-Genius-Effective-Hands-Leadership/dp/B0BHTRDY1T/ Is an executive or leader in your company struggling? Reach out to Eric to discuss how his transformative executive coaching approach can help. Schedule a 10 minute call with Eric today to learn more: 10minuteswitheric.youcanbook.me   RESOURCES Connect with Kelly LinkedIn – linkedin.com/in/esopcoach/  Website - execfin.com/ Book: The ESOP Coach - Using ESOPs in Ownership Succession Planning National Center for Employee Ownership  

Just because you know the importance of seeking balance in and out of work doesn't mean that it's easy to accomplish. In this episode, members of the MDRT Executive Committee share how they make a priority of MDRT's Whole Person concept and adjust if they are struggling to put their intentions into action. You'll hear from: MDRT President Carol Kheng, ChFC MDRT First Vice President John F. Nichols, CLU, MSM Episode breakdown: 0:32 – Looking at different life components like spokes on a wheel 1:42 – Pursuing a feeling of being centered rather than balanced 3:09 – Determining and maintaining your version of a right-fit morning 5:16 – Handling adversity when your processes aren't working as well 7:12 – Benefiting by resisting the temptation to compare yourself to others Listen to the monthly series, MDRT Presents: @mdrtpresents

Guest: Josh Self, CLU, ChFC, CFP®, Managing Partner of Ridgeline Wealth Advisors in Raleigh, NC. In a Nutshell: Do you serve your business or does it serve you? Josh Self decided to do a complete rebrand and design his business around his personal passion of being an everyday explorer. He wanted to attract other like-minded outdoor enthusiasts so his website and podcast are 100% geared toward that specific demographic. If you share your passions with your audience and tie them into a holistic approach to Life-Centered Planning, you're going to grow something more valuable and durable than a client base. You're going to create a real community around your practice. On today's show, Josh Self explains how "Financial life planning for the explorer living out their bucket list" became the organizing principle of his firm, especially on the branding and marketing side of the business.

In this special episode of our Shares podcast recorded at The College's 2024 Military Summit in Philadelphia, PA, host and military veteran Chet Bennets, CFP®, ChFC®, CLU®, RICP®, CLF® speaks with Lacey Langford, AFC®, founder of MILMO® and MilMoneyCon™ and an expert on navigating financial topics within the military community. They discuss the dual issues of how the financial services profession can better serve military members, veterans, and spouses in times of transition, as well as why those transitioning from military service into civilian careers are well-suited for positions in the industry. Find all episodes at TheAmericanCollege.edu/Shares.

Abbe F. Large, CLU, CLTC, M anaging Director at Lenox Advisors, is a dedicated professional whose drive is to put her clients' best interests first. With nearly 30 years of experience, she is highly skilled in a variety of financial services, estate planning, and asset management solutions. With her corporate clients, she helps structure strategic employee benefits as well as executive carve-out programs. Abbe is a passionate advocate for families and individuals dealing with difficult financial realities. She personally navigated these same financial complexities when caring for her father through his battle with pancreatic cancer. Abbe faced the same challenges she regularly helps others overcome, and gained a unique appreciation for the importance of being supported through these challenging times with grace and dignity. She believes that when money is removed from the equation, people can focus on what truly matters: love and family. Abbe's insightful empathy has made her a valuable resource to her clients in their times of need. Connect with Abbe: alarge@lenoxadvisors.com https://www.linkedin.com/in/abbe-large-9bb3a916/ www.lenoxadvisors.com ------ Darlene Hawley is a speaker, podcast host, business coach, and communication expert who shows ambitious, heart-centered entrepreneurs and rising business leaders how to speak up, stand out, and make more impact.If you know of any entrepreneurs looking to grow their business without using social media and want more visibility or executive leaders who want to communicate with confidence and speak up for the ideas and issues that matter most to them. Those are the best referrals.Grab my 10 Do's and Don't for Effective Daring Conversations: https://mailchi.mp/297e8105e904/communicationguideGrab my 6 Steps To Attract & Stand Out digital guide, a free roadmap to create a successful business with less hustle and more ease: https://bit.ly/attractandstandoutonline Grab a Chai and let's Connect: https://darlenehawley.comhttps://linkedin.com/in/darlenehawley --- Support this podcast: https://podcasters.spotify.com/pod/show/darlene-hawley/support

How prepared are you for the changing landscape of financial advisory with AI tools at your disposal?In this episode, Ana Trujillo Limón, Director, Coaching and Advisor Content, speaks with Eric Ludwig, PhD, CFP®, Asst. Prof. of Retirement Income, Director: Center for Retirement Income, RICP Program Director, The American College of Financial Services and Chet Bennetts, CFP®, CLU®, ChFC®, RICP®, CLF®, Assistant Professor, Financial Planning and CFP®/ChFC Program Director, The American College of Financial Services about the integration of AI in finance. They share engaging anecdotes from their personal journeys and offer insights on how AI can streamline workflows for financial advisors. Listeners will gain a deeper understanding of AI's capabilities, the importance of quality prompting, and the potential biases in AI-generated content.Eric and Chet discuss: The story behind how their research on AI in the financial services industry beganThe top takeaway from their Journal of Financial Planning article about how AI can help advisorsThe importance of prompting in obtaining accurate AI responses and understanding AI's limitationsReal-world applications of AI in the financial services sector and its impact on marketing and client communicationThe cautions advisors should keep in mind as they start their AI journeyHow we should reframe our thinking about AI in the financial industryAnd moreResources:Streamlining Financial Planning with ChatGPT: A Collaborative Approach Between Technology and Human ExpertiseRetirement Income Literacy QuizSamantha Allen: How AI is Transforming Digital MarketingThe Digital DebriefConnect with Ana Trujillo Limón: Carson Group LLCLinkedIn: Ana Trujillo LimónConnect with Eric Ludwig:The American College of Financial ServicesLinkedIn: Eric LudwigConnect with Chet Bennetts:The American College of Financial ServicesLinkedIn: Chet BennettsAbout Our Guests: Eric T. Ludwig, PhD, CFP®, is an accomplished retirement income planning expert, assistant professor of Retirement Income, and RICP® program director. As director of the Center for Retirement Income at The American College of Financial Services, Eric is passionate about developing research and innovative solutions that help investors achieve financial security and personal fulfillment, two essential components of overall retirement well-being.An assistant professor of Financial Planning and the ChFC® and CFP® Certification Education Program Director at The American College of Financial Services, Chet Bennetts also serves as the Larry R. Pike Chair for Insurance and Investments. With over 20 years in the financial services industry, Bennetts has served in roles from customer service, to being a financial planner, to managing 80 advisors in over 5 states. Currently completing his PhD in Personal Financial Planning at Kansas State University, Bennetts' research focus and passion is in the area of behavioral finance – specifically how financial well-being affects physical and psychological well-being – and particularly among service members and Veterans.Send us your questions, we'd love to hear from you! Email us at framework@carsongroup.com.