Podcasts about COI

Học có phải bước lùi của sự phát triển?Năm 2010, có một thí nghiệm cực kỳ kinh điển tên là Marshmallow Challenge.Luật chơi đơn giản: cho bạn 20 que mì Ý, một cuộn dây, một cuộn băng keo, một cục marshmallow. 18 phút. Ai xây cái tháp nào đứng được, đỡ được cục marshmallow trên đỉnh, cao nhất, thắng.Tom Wujec, diễn giả TED Talk nổi tiếng, đã cho hàng ngàn người chơi: kỹ sư, kiến trúc sư, MBA, CEO, luật sư, và mấy bé mẫu giáo. Đố bạn, ai chiến thắng?Không phải những người có bằng MBA. Không phải luật sư. Hai nhóm đó là nhóm kết quả thấp nhất.  Người thắng - gây sốc cả hội trường - là mấy đứa nhỏ mẫu giáo. Mấy đứa nhỏ xây tháp cao hơn cả CEO, cao hơn luật sư, những người, (tạm gọi) là học ở bậc cao hơn.Tại sao?Vì người lớn có quy trình. Có công thức. Có "kinh nghiệm." Dân MBA dành phần lớn thời gian ngồi bàn ai sẽ là leader, vẽ kế hoạch, phân vai, thảo luận cấu trúc. Rồi 17 phút sau mới đặt cục marshmallow lên đỉnh. Sập. Hết giờ. Còn mấy đứa nhỏ thì không có công thức nào hết. Tụi nó không tranh nhau làm leader. Tụi nó bắt đầu chơi luôn. Đặt marshmallow lên trước, xây nhỏ, sập, xây lại, sập tiếp, xây lại nữa. Tới phút 18, tháp tụi nó đứng vững, vì đã được test sập rất nhiều lần rồi. Trong ngôn ngữ khởi nghiệp, tụi nhỏ đang làm điều mà MBA mất 2 năm để học: test MVP liên tục.Người lớn không thua vì kém thông minh. Người lớn thua vì có quá nhiều công thức thành công trong đầu. Công thức đó từng đúng trong một bối cảnh nào đó, một thị trường nào đó, một thời điểm nào đó. Rồi họ tưởng nó đúng mãi mãi.Tui làm kinh doanh đủ lâu để nhận ra một sự thật hú hồn:"Thứ giêt chế.t một người thành công, chính là công thức thành công của họ."Nokia có làm gì sai đâu. Họ chỉ làm đúng cái họ đã giỏi. Hết.Cá nhân tui thấy, lúc mà bản thân vỗ ngực: lúc mình nói được câu "tao có quy trình rồi, làm vậy là chắc ăn" đó cũng là lúc nguy hiểm nhất. Vì quy trình là con dao hai lưỡi. Nó cho mình tốc độ nhưng nó cũng vẽ sẵn lối mòn để mình không thấy đường nào khác.Bạn có nhận ra công thức thành công cũ của mình đang biến thành cái bẫy chưa?Tập mới Cà Phê Khởi Nghiệp cùng Tùng BT nằm trong một series hoàn toàn mới mang tên "Lãnh đạo tuổi 20", với chủ đề "Học - Bước lùi của sự phát triển" cùng Tiểu My, một bạn 22 tuổi nhưng có hơn 5 năm kinh nghiệm trong lĩnh vực khởi nghiệp, từng nhận học bổng Fulbright rồi dừng giữa chừng, hiện đang là Business Development của một tổ chức về giáo dục. Tụi tui nói về marshmallow, về lối mòn của người thành công, về sự học và về cách thoát ra khỏi cái bẫy do chính mình tạo ra. Xem ngay dưới bình luận.Coi xong thử ngẫm lại: công thức thành công nào của bạn đang bắt đầu thành cái bẫy rồi mà bạn chưa dám thừa nhận? Và nếu bạn thích series này, cho tui một comment, một tương tác phản hồi để tui có thêm xí động lực làm nhiều nội dung hay hơn, "Khởi nghiệp real Kết quả thật" nữa nhaa

Adam Boyko, PhD continues his conversation on the coefficient of inbreeding (COI). This webinar focuses on genetic diversity, and addresses the balance between breeding healthy, genetically sound dogs while conforming to the breed standard. New genomic methods have advanced the way conservation geneticists think about population genetic health and provide insights into strategies for preserving and improving genetic health in dogs.Watch the video version of this presentation here.

Neste episódio do CNA News, analisamos a nova tecnologia de gel de lactato desenvolvida por pesquisadores espanhóis como uma alternativa promissora ao gel de carboidrato tradicional. Além disso, trazemos os resultados detalhados e os recordes da Meia Maratona de Porto Alegre, os problemas de filas na entrega de kits da Expo e a polêmica declaração da dirigente Kirsty Coventry sobre o não pagamento direto a atletas olímpicos, contrastando com a iniciativa de premiação da World Athletics liderada por Sebastian Coe.Destaques do episódio- Gel de lactato: a nova fonte de energia alternativa para atletas de elite- Resultados e recordes da Meia Maratona de Porto Alegre- Reclamações sobre filas gigantescas na Expo da Maratona de Porto Alegre- Polêmica do COI sobre o pagamento direto de premiações aos atletasFORCELL - https://forcellperformance.com.br/Use o cupom CORRIDANOAR para ter um BÃO descontoNossos cupons e links - https://cnoar.run/cuponsO Corrida no Ar News é produzido diariamente e postado por volta das 6 da manhã.

! Turn On - Choon In - Zig Zag ! - ! What's Past - Is Prologue ! ! !   Callin'  ALL  The  Boom Booms  &  The Zoom Zooms   ! ! . . .   GROUND  DOWN  TO  THE  REAL UNDAGROUND   . . . * * *  GROOVIN'  BLUE   26 - 05 * * * Groovin' Blue is dedicated to Sunny "Sweet Daddy Fonk" Wong.  "S.D.F." Wong 1973 quote: "Jeez, gettin' these cassette mixtapes just right is hard work."  1.  (4:22)  WAGRadio GB 26 - 05 Intro - Produced by WAGRadio Vinyl Librarian William "Fats Is Back" Reiter (formerly CKLG-FM 96.9 Boss Jock - 'Bill Reiter - The All-Niter') 2.  (6:12)  "I Wanted Your Love" - ALI TENNANT, BRIAN POWER, RONNIE HERAL, DJ SPEN, GARY HUDGINS [SoulHouse Muse Ltd.] 2017 3.  (6:57)  "Love Is An Action (DJZigZag Vocal & Instrumental MashEdiT)" - ADEKUNIE GOLD, 6LACK [Believe UK] 2025 4.  (  :20)  WAGRadio DJZZ 'Riginal Id 5.  (3:35)  "Exercise My Love" - JOHN EDWARDS [Aware 45rpm No. AW-048] 1973 6.  (4:46)  "Find Your Way Home (DJZigZag Pt. 1)" - OCTO OCTA [T4T LUV NRG] 7.  (2:04)  "Gettin' Away" - THE TURNABOUTS [Prann Records 45rpm No. 5002] 1963 Prod. Ike & Tina Turner * The Turnabouts are Ike Turner and his band 8.  (  :20)  WAGRadio Tout Sur Moi Id 9.  (4:23)  "Change Places" - JEFFREE [Creative Outlet International Cd No. COI 5551 "Call It Love"] 1996 10.(4:37)  "The Plug (DJZig Zag Vote By Male EdiT)" - RONALD ISLEY & THE ISLEY BROTHERS [RI Top Ten] 2022 11.(  :20)  WAGRadio It Be Time Id 12.(3:12)  "WANTU2LUVME (DJZigZag 2026 EdiT)" - JEF MILES [Twelve 30 Records] 2017 13.(2:45)  "The Midnight Hour" - Jazz Is Dead Ensemble [Jazz Is Dead] * Jazz Is Dead is Ali Shaheed Muhammad & Adrian Younge  14.(4:10)  "Feel It (Feel It)" - JAZZ 2 MORE [Irma Records] 2018 15.(  :13)  WAGRadio Luv-sik 2016 Muzik Id 16.(6:01)  "Dance Toutourou)" - PAUL OLDER [Spa In Disco] 17.(  :33)  WAGRadio Jabba Workee Id 18.(3:24)  "I'll Be Your Puppet" - JOHN EDWARDS [Aware 45rpm No. AW-045] 1974 Prod. Floyd Smith * writer: Sam Dees  19.(  :17)  WAGRadio Simpul Id 20.(3:54)  "That's It" - SAINTE FRANCIS, LARRY PEACE [Sanctified Records] 21.(4:42)  "Front Foot (DJZigZag Dr. Hahn's Corn Dogg EdiT)" - ALBOE [TuneCore] 22.(1:58)  "I'm A Fool For You" - JAMES CARR [Goldwax 45rpm No. 328] 1967 Prod. Quinton M. Claunch & Rudolph Russell  23.(4:26)  "Bombo Papi (DJZigZag 2026 EdiT)" - JAMES BRADSHAW, ANDY REID, SAVISTA [Phoenix Music] Canada 24.(  :14)  WAGRadio Music segue 2012 No. 41-04 25.(5:40)  "Sonny Light" - JACK DeJOHNETTE [eOne Cd No. EOM-Cd-2403] 2012 - Esperanza Spalding (bs), Lionel Loueke (gtr), Tim Ries (sx), Ambrose Akinmusire (tpt), Jack DeJohnette (dm, pn), Jason Moran (pn) Prod. Robert Sadin 26.(  :07)  Nu GB End 79:57

With Rafael Loureiro, Co-Founder & Chief Executive Officer, Wealth.com Rafael Loureiro on why estate planning is shifting from a static legal exercise to an AI-powered, advisor-led planning process. In Summary Estate planning has traditionally operated outside the core advisor workflow—handled through attorneys, revisited infrequently, and often disconnected from the broader client relationship. Louis speaks with Rafael Loureiro, Co-Founder and CEO of Wealth.com, about how AI is beginning to change that model. The conversation explores how advisors can use tools like Ester to surface planning gaps, stay ahead of client changes, and deliver a more continuous planning experience. For advisors, the broader implication is strategic: as investment management becomes increasingly commoditized, integrated planning and ongoing coordination may become a far more meaningful differentiator. The Storyline Most advisors already discuss estate planning with clients. The challenge is what happens next. In many cases, the process still moves outside the advisor relationship: clients are referred to an attorney, documents are created, and the estate plan becomes something revisited only after a major life event or liquidity event forces an update. Louis and Rafael explore why that structure is starting to break down. Rafael's own estate planning experience following the sale of Emailage to LexisNexis exposed how fragmented the process could feel, even for highly engaged clients working with sophisticated advisors. That experience ultimately became the foundation for Wealth.com and its AI-powered planning platform, Ester. The discussion focuses less on AI as a headline topic and more on how it changes advisor workflow in practice—from document interpretation and planning summaries to surfacing next actions and helping advisors stay proactively engaged as client circumstances evolve. For advisors thinking about the future of planning, the conversation raises a larger question: if financial planning itself becomes increasingly standardized, where does the next layer of differentiation come from? Topics Covered Continuous estate planning AI-powered advisor workflows com and Ester Advisor-led estate planning Family office-style client service Trust and estate attorney collaboration Estate planning for mass affluent clients AI agents in wealth management Dynasty Financial Partners integration Advisor differentiation beyond investment management > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Rafael decide to build Wealth.com? (06:04) Rafael explains how his own estate planning experience after a liquidity event exposed major disconnects between advisors, attorneys, and clients. Why did Wealth.com choose an advisor-led model instead of direct-to-consumer? (14:28) The platform was designed around the belief that advisors (not marketing campaigns) are best positioned to initiate estate planning conversations with clients. What does “continuous estate planning” actually mean? (20:13) Rafael describes a system where client life changes, tax events, and asset activity can trigger proactive advisor engagement rather than periodic document reviews. How does Ester move beyond document summarization? (32:30) The platform now identifies planning opportunities, prepares tasks and reports, and increasingly helps advisors automate portions of the planning workflow. Why are enterprise firms and large banks adopting platforms like Wealth.com? (24:57) Many firms were already producing estate planning summaries manually for ultra-high-net-worth clients. AI allows those capabilities to scale much more efficiently. How should advisors think about the role of trust and estate attorneys going forward? (26:50) Rafael argues that AI enhances – not replaces – the attorney relationship by improving efficiency and reserving more sophisticated matters for specialized legal expertise. What may differentiate advisory firms as planning becomes more commoditized? (38:02) The discussion points toward responsiveness, coordination, personalization, and deeper client integration as the next major competitive layer for advisors. Key Takeaways Rafael believes estate planning is shifting from a one-time legal exercise to a continuous planning process supported by AI and advisor engagement. Wealth.com was intentionally built as an advisor-first platform rather than a direct-to-consumer business. Ester's AI capabilities now extend beyond summarization into identifying planning gaps, surfacing opportunities, and preparing advisor workflows. Many firms are using estate planning as a way to deepen relationships and expand into more family-office-style service models. AI may allow advisors to serve more clients while maintaining a higher level of personalization and responsiveness. Trust and estate attorneys remain critical for complex situations, but AI can improve efficiency and help clients arrive better prepared. Advisors who fail to expand beyond investment management risk competing in an increasingly commoditized landscape. https://youtu.be/BDI6XbEz_4E Quotable Moments “When AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task.” “Investment management is becoming table stakes. Financial planning is becoming table stakes.” “Why does it have to be that way? Now with AI, why can we not have continuous estate planning?” “It is the intangibles.” “My goal is to empower the advisor.” Related Resources Human Intelligence in the Age of AI: Why Recruiters Still MatterArtificial intelligence can analyze firms and deals. It can't replace the insight and advocacy that help advisors make the right move. The Future of Prospecting: How AI Is Powering the Next Era of Advisor GrowthFINNY Co-Founder Eden Ovadia shares how AI is transforming advisor prospecting: automating outreach, matching advisors with ideal clients, and freeing time for deeper human connection. A forward-looking conversation on what growth will look like in the next era of wealth management. Rafael LoureiroCo-Founder and CEO Rafael Loureiro is a technology entrepreneur and product-focused executive with more than 20 years of experience across startups, growth-stage companies, and Fortune 500 organizations. He is Co-Founder and CEO of Wealth.com, a leading estate and tax planning platform powered by proprietary AI and purpose-built for financial institutions. Under his leadership, Wealth.com has expanded into a comprehensive planning platform, embedding deterministic AI to deliver precise, auditable outcomes across estate and tax workflows. Prior to founding Wealth.com, Rafael served as Chief Technology Officer at Emailage, a global fraud prevention SaaS company acquired by RELX in 2020. He is a member of the Forbes Finance Council and has been recognized across the industry, including CEO of the Year honors and Forbes' Top AI Founders to Watch. Originally from France and raised in Brazil, Rafael now resides with his family in the Phoenix metro area. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com A conversation with Louis Diamond and Rafael Loureiro, Co-Founder & Chief Executive Officer at Wealth.com. Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com. It’s a conversation with Rafael Loureiro, the firm’s Co-Founder & Chief Executive Officer. I’m Louis Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wire house, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned, and each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: In the wealth management world, estate planning has largely lived in a separate lane. It’s a topic advisors may raise with clients then hand off to an attorney and eventually a set of documents come back, filed away, rarely revisited, and often disconnected from the rest of the planning process. That structure has been in place for a long time and for the most part, it’s gotten unquestioned, but when you step back, it creates a gap between what do clients expect from their advisor and what actually gets delivered when it comes to estate planning. Rafael Loureiro, co-founder and CEO of Wealth.com, ran straight into the gap after a planning event of his own which should have been a coordinated process, felt fragmented, manual, and surprisingly opaque. And likewise, I recall the same type of disjointed experience in my own estate planning process. It’s experiences like these that became the starting point for building Wealth.com. What makes this story interesting isn’t just that they’re using AI but how they’re using it inside the estate planning process, and it’s how AI allows the model itself to change from a one-time legal event to something that evolves alongside the client, from static documents to a system that can actually interpret, update, and surface what matters, from a disconnected handoff to something the advisor can actively lead. In my conversation with Rafael, we get into how that plays out in practice, how tools like Ester move from summarizing estate documents to identifying gaps, to prompting next steps, and eventually preparing action on behalf of the advisor, because when AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task and starts to look more like a continuous part of the advice process. So let’s dive in. Rafael, thank you for coming on our show today. Rafael Loureiro: My pleasure, Louis. Thank you for having me here. Louis Diamond: Of course. Let’s jump in and in researching you and speaking to you in the past, I got to admit, you had a very different path into the wealth management industry probably than anyone I’ve ever interviewed. So can you walk us through your background briefly and early professional endeavors? Rafael Loureiro: Absolutely. The accent that you hear is Brazilian. So I’ve been in the US for 25 years. I’m a software engineer by trade, came here as a HMB, been involved with different companies over the years and then most recently before Wealth.com. I was a chief technology officer with a fraud prevention company, nothing to do with wealth management, but by selling that company, it’s how the Wealth.com story started. Louis Diamond: Perfect. And I was referring to also some of your early career endeavors even before founding your last company, if you’re comfortable sharing that. Rafael Loureiro: Yeah, absolutely. I’ve been involved with four different startups in different spaces. One of them was in, if you remember all the way back to 2008, the real estate prices, the first startup with foreclosures. So when houses went into foreclosures, me and my partner, we created a system to index that. I also had work on a photo album company. It became a lifetime business. It’s still running. I was the CTO and I did my share of consulting. I used to work for Accenture, Avanade, and then a home builder Fortune 500 companies. So I have a ton of experience in the technology space before Wealth.com. Louis Diamond: Perfect. And you mentioned the last business that you started that I believe sold to LexisNexis. Can you walk through what that business was? Rafael Loureiro: Yeah. So I did not start the business. I joined the business before Series A. The person that started the business, Rei Carvalho, he’s actually Wealth.com chairman. So the team is still together. The US, San Francisco, New York, offices in Sydney, Singapore, London. We serve clients like Coinbase, grew very fast and then got acquired by LexisNexis in 2020 during peak COVID. Think about, we literally signed the documents, popped the champagne on March 2020. No vaccine. Louis Diamond: Oh, my God. Rafael Loureiro: We literally popped the champagne and we all went back home to work from home because that was the guy that’s from LexisNexis. Through that experience, selling a company, one thing you usually do, it’s a big liquidity event and estate planning is always related to big moments. You get married, someone in your family die, you have a new kid, you have a liquidated event. So I work with a financial advisor. They’re amazing. They helped me with financial planning, wealth management, saved me a lot of money insurance. But when it was time to do the estate planning, Louis, my experience was, “Hey, Rafael, we always work with this lawyer, go talk to the lawyer.” And then it was a completely broken process. First, because it was COVID and I had to go see the lawyer face-to-face. That was weird right there. Second, because I was expecting the lawyer to know everything about me because my advisor knows everything about me, know about my life situation, know about liquid event, know about my kids, rental houses, everything and then the engineer. I know what I told the lawyer, but do I know for sure that everything I told the lawyer end up in the document? No, I don’t. Long story short, otherwise it is a long story, we’re having a virtual coffee. I don’t know if you remember everyone, big beard, long hair, everyone working from home, and then somehow all the Emailage C-level team and founders, the co-founders, we start complaining about state plan. Even another example, my chairman, the Wealth.com chairman, Emailage CEO, Rei Carvalho, he was like, “Hey, Rafael, I’m done with the summer heat in Arizona. I’m moving to Denver. I’m going for cooler weathers.” Literally the moment he moved to Denver, he gets a call from his estate planning lawyer, welcome him to Denver and saying, “Hey, we need to update your documents. “But I just spent thousands of dollars creating my documents.” “Yeah, but you live in a new state, you have to optimize your documents.” At that moment, Louis, we’re like, “Where there’s a problem, there is an opportunity,” and the company was born. Louis Diamond: I find the best company origin stories, it’s you have that, you have a personal experience or a moment where you have a realization that there’s a problem that you have that others might have as well, so let’s create a business around solving this problem. It was legitimately at that point, it wasn’t a long burn, we’re going to research, we’re really going to think about this, it was just all of the core team that was fortunate enough to have a big liquidity event were complaining and commiserating about a similar problem on estate planning and then that launched into, let’s build a company, let’s build a platform, a product to solve this problem? Rafael Loureiro: Yes and no. We saw the opportunity. We had just finished selling a company. It takes a lot from you and your family to create a company and to sell a company. Before we started a new company, we said, “Hey, look, we feel like there is something here, but let’s do the proper groundwork, make sure that the market is right, that there is a need that it’s not only us complaining about these.” I’m going to say that we spend a good three month, we have vision document together, doing a market research and then we got excited. Literally my wife who was not super excited in the beginning said, “You guys just sold a company. You’ve been racing 100 miles an hour for the last seven, eight years and you guys going to do this again.” But I love it. It’s part of my DNA. I love the challenge. I love to build and it is a big problem. When you look at the US market, 67% of the population don’t have estate planning. You have to ask yourself, why? Is that because it costs too much money? Is that because people don’t know enough about estate planning that they don’t do it? Is that because people don’t have to think about that? So the opportunity is there. We did the groundwork. We got the team together, at least some of our eight players. We went to Altus Capital, that’s the same venture firm that led the Emailage series B and we said, “Look, we have a vision, we have a team and we believe the market is ready for it. There is no dominant player and it is blue ocean.” And then they gave us the initial funding, them and my chairman, and then we went from having an idea to launching the product in May 2022. Louis Diamond: Wow, that’s amazing. Before we dive into the rapid growth and what the platform looks like, et cetera, can you just give us a quick overview of what Wealth.com looks like today? Who are you serving? Who are you selling to and where does it fit into an advisor’s value proposition or their advice stack, if you will? Rafael Loureiro: Absolutely. So Wealth.com we empower financial advisors to provide a family office experience to their clients starting with estate planning and tax planning. What I’m trying to solve, Louis, is my situation. I want my financial advisor to be the hub of my needs. So if the need is financial planning, wealth management, insurance, estate planning, tax planning, I need my financial advisor to be aware of all these verticals, right? Because I know if something happens to one of us, my financial advisor is my person. He or she’s going to get my call from my wife and say, “Hey, am I all right?” I want to empower the financial advisor with all the tools to provide that family office experience to their client. So that’s first, we started by providing doc migration. So think of this, you are mass affluent client, between half a million dollars all the way to 10 million dollars. You don’t have your revocable trust, your will, your power of attorney, your advanced healthcare directive, your guardianship documents. We do that. We create those documents. You go to the workflow on the Wealth.com platform if you have an advisor, I need to make that clear, we’re not direct to consumer business. You have to have an advisor. So you go to that workflow and at the end of the workflow, you get the documents. Those are legally optimized, all the documents. The document you get in California is going to be completely different from the document you get in New York, from the document you get in Florida. I just want to make that point clear. What we noticed, Louis, working with these advisors is if you look at the average advisor, if you look at his or her book of business, 80% is mass affluent. So think lawyers, doctors, firemen, 20% high net worth. Usually the high net worth clients, ultra-high network clients, they already have the documents. They already paid $20,000 to have those documents draft and we were not doing anything for them. So in 2022, we had that light bulb moment even before LLMs. OpenAI launched in 2022, we actually used the Bertha model before OpenAI, but I know I’m digressing. Let me get back here. So I was not doing anything for these high net worth, ultra-high net worth clients. So we had this idea, what if we use AI to read their existing plans, all their grants, LATs, all this sophisticated irrevocable trust, connect to all their assets and then provide a summary of everything they have in place? So that was the idea in 2022. Can we do it? And we did it and that became Ester and that became our family office experience. So just to summarize, we help the advisor clients regardless where they fall in the wealthy spectrum. They don’t have the estate planning documents, we create them. If they already have the estate planning documents, we use AI to read this documents, summarize them and provide insight and observations. “Hey, here are ways that you can optimize these documents.” That’s what we do. Louis Diamond: It’s so valuable. I wish I met you a month ago because I went through a very expensive estate planning exercise with an estate planning attorney and my own personal experience is exactly the same that you had. It’s expensive. I have no idea what I was signing. It was a long questionnaire and it wasn’t driven necessarily by my advisor. They gave me the idea to get updated estate plans, but it was a disconnected process. So this makes a ton of sense. I think let’s pull on the thread of being a direct to advisor company rather than trying to pull an end around the advisor and going directly to a consumer. Why was that an important design decision for you? Because I would assume the total adjustable market might be a little bit bigger if you’re going direct to a retail client that may or may not have an advisor versus going directly to a business, an RIA, a wealth management firm, et cetera. Rafael Loureiro: Yeah. What we notice working within these spaces, something triggers you to do your estate planning. I’m not going to ask why you decide to do yours now, but usually it’s related to death in the family, a kid going to college, you buy a new house, you have a new baby, you’re getting married, you get a divorce. Direct to consumer, you have to find the client at that moment for them to consider estate planning as an important thing to do. There’s actually surveys. I think Fidelity put a survey out, that says family is the main reason why people do estate planning. And the second reason is the advisor. So if you work with a financial advisor, most likely he or she’s going to make you do your estate planning. So we did not want to be on the direct to consumer place spending millions and millions of dollars in marketing. We’d rather spend millions and millions of dollars in AI and technology and serve the advisor and empower the advisor to have this conversation and go to you and say, “Hey, Louis, how is it possible that you don’t have your estate planning document? Let’s do this now.” And I know this is uncomfortable. There’s another survey that came out recently saying that some of the advisors don’t want to talk about that. It’s still a hard subject to approach, but we have to have this conversation. Louis Diamond: I would say it almost sounds like an advisor not wanting to talk about their fees. Let’s not talk about that because it’s uncomfortable and no one wants to hear about it. Rafael Loureiro: Oh, you have to have it because they saw a huge lack of education. For example, one thing that we come across all the time, and I know it’s minor, is kids going to college. “Oh yeah, my daughter’s going to college. I don’t have to do anything.” Yeah, you do. She needs an advanced healthcare directive because if you don’t have one and something happens to her, you cannot just go to the hospital and ask for information. They won’t give it to you. We need to educate our clients. We need to do a better job. And I think advisors play that role and we want to empower them to talk about estate planning and tax planning. Louis Diamond: It makes sense. It’s a brilliant strategy because instead of advisors selling against Wealth.com as like, “I can do better and I have a estate planning guy I can refer you to,” it’s you’re working alongside them and you rely upon the advisor to provide the education to be the trigger moment. And I know again, from personal experience, if my advisor didn’t suggest that I should update my estate planning documents because I moved states, I wouldn’t have done it. It’s not like a fun thing to do. It’s an expense, et cetera. So that makes a ton of sense. You’re partnering with the hub or the influencers, if you will, of who’s driving estate planning in this country. It’s a great strategy. Rafael Loureiro: And you said something very important and I want to highlight, the world is very different after COVID. Before COVID, some of these advisors, all their clients were in the same city. I had one estate planning lawyer to help my clients, right? But now with after COVID or during COVID, people moved. “Oh yeah, I’m not living in a farm. Oh, I moved to Montana. Montana is beautiful. I saw Landman or Yellowstone. Now I’m leaving Montana. Landman is in Texas.” How? Now you don’t have estate planning lawyer in Texas. You don’t have estate planning lawyer in Montana. With the right partnership with Wealth.com, now you can serve all your clients regardless where they are in the US because we are present in every jurisdiction and we have lawyers in every jurisdiction. So we empower you to serve clients regardless where they are in the US. Louis Diamond: Very cool. And how about the pricing model? You don’t have to say what it costs, but is it one license that a firm is buying on behalf of their entire client base or is there an incremental cost for each client? And I’m throwing a lot at you. And then third part of the question is, are you seeing advisors charge directly for the Wealth.com estate planning output or are folks wrapping it into their fee as just a value added service as part of their planning and comprehensive wealth management process? Rafael Loureiro: Very good question. My goal, our goal, has always been we want to make estate planning available, democratized estate planning, make it more accessible to the population. So the way we charge is we charge the advisor annual recurring fee. We do not charge per document. I want you to provide estate planning to all your clients. That’s our goal. I don’t want you to think, oh, but that’s going to cost me money. No, all your clients set them all up with estate planning. Are they charging? It depends. So the way I’m going to say this is, I’m going to say that 60% of my advisors are charging not for the documents because they’re not lawyers, they’re charging to help educate you on estate planning. You as a client, you have to go to the process yourself to get the documents. So that’s where an advisor would send an invitation to Wealth.com. You and your wife or your partner, you’re going to go to the workflow and you’re going to get the document at the end. But the advisor is going to set up a call with you, the advisor is going to help you collect the documents. The advisor is going to educate you why estate planning is important. And some of them are charging for this. Some of our advisors, more on the high net worth, alternate high net worth space, you already charge a very good fee to provide your service so they probably provide Ester output, I should say, as a value added service. It depends on the use case. Louis Diamond: Makes sense. So I’ve heard you talk in interviews about a major gap in estate planning between client expectations and what a client is expecting, hoping to get with estate planning, especially when it comes to interacting with their financial advisor and what is actually fundamentally delivered by advisors. So I’m curious, why is there a gap and why do you think that gap has existed for so long? Is it as simple as people don’t like talking about death and it’s expensive or is there a deeper answer? Rafael Loureiro: I think it’s all of the above and your experience is amazing. You pretty much, you are the typical client. You took long to do it. It costs you a lot of money. You’re now like, next time you have to do an update, you’re going to wait five to 10 years to do it because we spend thousands of dollars to get it updated. Why does it have to be like that? And now with AI, and that’s what I think is going to change a lot in the next five years, is why can we not have continuous estate planning? What I mean by that is work with your advisor. I have connection to all your assets. I have connection to CRM. I have connection to your bank account. If you give me access, I don’t need password, but you can actually connect all your assets, I have connection to the portfolio management platform. So as you live your life, as you get married, as you buy a property… You finally decide to buy a property in Tahoe, I get these pings and then I can empower your advisors to say, “Hey, go talk to Louis and say, hey, it’s time to update your estate plan.” Or a rental property outside your home state in California, you need to update your… Or he has just crossed a tax threshold or he just got married or he just had a new beneficiary. My goal is to empower the financial advisor to provide more and more value to this relationship. I’m not trying to replace the financial advisor, but I’m trying to empower him or her to give you more value so him or her becomes more critical for your relationship. Why people haven’t done estate planning I think is a lack of education, is the fear of the cost. “Oh, I have to talk to a lawyer. Oh my gosh, that’s going to cost me $5,000.” I want to make this easier. I want to make this simple. I want to empower the advisor to demystify estate planning and tax planning, make it more accessible, bring the estate planning more to the middle. What I mean by that is why is this estate planning exclusive to the high net worth, ultra-high net worth? Because in that space, 90% of the people have estate planning, 90% of the people. It’s the fear of the cost, I think, and then people don’t want to think about that. Louis Diamond: Yeah. I think that’s exactly right. Yeah. It very much sounds like it’s a win-win. It’s like a next best action type event where you’re giving an advisor on a silver platter a way to add value, which is what I think every advisor wants to do and then it’s a massive value add to the end client. My guess is you don’t have much friction in delivering those sorts of insights to advisors that they can then deliver to their clients. Rafael Loureiro: I would say if you’re not doing it, there is a big risk. You’re going to lose your clients to people that are doing it and they are providing the family office experience. Yeah. Louis Diamond: Yeah. What about the competitive landscape for Wealth.com, whether it’s other FinTechs that are attempting to do something in the space or even just the legacy advisor, the estate planning attorney in town or an advisor’s preferred T&E attorney. How do you think about the competitive landscape in the trust and estate world today? Rafael Loureiro: There are competitors. From day zero when we came in, there were competitors. I don’t see an incumbent. I think now we have became the incumbent. I think there is a segment of the market, just to paint a picture, one third of the advisors are going to retire in the next 10 years. So there is a segment in the market where to your point, they already work with a estate planning lawyer. That’s not a bad thing. They’re like, “Oh yeah, I get leads from this lawyer. My clients are all located in my neighborhood. I don’t need to provide out of state estate planning,” then we’re not going to get there.” But at the same time, if you look at our growth, we’ve been growing and that’s why we just raised a series B, our growth is out there to prove it, we’ve been tripling the company size every year. There’s a need, there’s a demand. Financial advisors are waking up. They are in a very competitive market. They need to provide more to the clients because I feel like investment management, it is becoming table stakes. Financial planning, it is table stakes. So what else can I offer my clients? And that’s why you see some advisory firms offering BillPay. I file your taxes. I’ll get your estate planning done. You got to differentiate yourself. We’re seeing the need. If you look at our penetration, we have now 2,000 firms on the platform and the firms go from independent, a small SMB advisor with one or two advisors in the office, all the way to the top three, three out of the top five banks in the US. We are there, right? Louis Diamond: Wow. It’s interesting. Let’s talk about that. So on the bank side, it’s typically not a segment that is ripe for technological disruption or external tools like this to come in and make a dent. How are banks and very large platforms thinking about Wealth.com? Is it a similar kind of buying journey or decision that an individual RIA or an individual advisor would make or is it a little bit different? Rafael Loureiro: It’s a little bit different. So without mentioning names, these banks, some of these banks that work with high net worth, ultra-high net worth clients, they were providing this summary report that Ester put together, they were, before Esther, but it was taking them 30 to 50 hours. All human labor to put one together, Excel, Visa, PowerPoint, 30 to 50 hours. Even to these very expensive, very wealthy clients, they were only doing once a year. “Hey, here’s your report.” “Oh yeah, but I just sold the house in St. Barts. Can I get a new update?” “No. Next year you’re going to get the update.” I’m not even kidding. It was serious. So they were doing the work, but it was all labor-intensive. Now with Wealth, a much better output, I should say, it’s take minutes. And instead of only reserving these to the very, very wealthy clients, now they can go downstream and offer this to their mass affluent clients and then high net worth clients. They’re all seeing the need. They’re all waking up because they were doing the work, but it was all labor-intensive, like I said, all manual before and they want to automate. Louis Diamond: Very interesting. I definitely want to spend some time talking about Ester. You mentioned it a few times, but before that, I’d say two very real strategic areas that a firm might take on when it comes to estate planning. The first one is a lot of very successful advisors, they cultivate amazing COI referral relationships with attorneys and usually the attorneys are T&E attorneys for obvious reasons. Have you gotten pushback or have you seen that because of Wealth.com, these advisors now are referring less business to these high-powered trust and estates attorneys and then they’re not able to grow their business as much in return. That’s one question if you can weigh in. Rafael Loureiro: I have not heard that. And just to clarify, I think with Wealth, having Wealth as part of your tool framework, you’re going to be able to serve more clients and still leverage your trust estate attorney. And I’ll explain how. For example, we know how to stay our lane. So let’s say you go into the workflow and as part of the workflow, you say, “Hey, I have a special needs child.” At that moment we say, “Stop. Let me put you in touch with a lawyer.” You can decide to use your own lawyer or you can use one of in our network. We have lawyers in every jurisdiction, but it’s up to you. We focus on the revocable trusts and the wealth. If your client requires something more sophisticated, you can still use Wealth.com to map out the client’s situation using Ester. You’re going to be able to see everything they have in place at that moment and then use your relationship, your trust and estate lawyer to make the document update. So I think what we are doing is reserving the most complex case for the trust and estate lawyer if a document needs update, but I don’t think you are breaking that relationship. That relationship will stay there and you’re still going to have that lead exchange, but I don’t have any numbers to answer your question. Louis Diamond: I think that makes sense. It’s not like with Wealth.com, at least not yet. It’s not like there isn’t a role for a T&E attorney and especially for more complex esoteric type situations, an advisor could still refer some of their relationships to a T&E attorney, but they’ll come armed with better information. And also with more clients getting involved with estate planning, there’s also conceivably more opportunities that they can refer out to an estate planning attorney in turn. Rafael Loureiro: Can I use that? You did a much better job than I did. Exactly. Exactly what you said. The difference is now your advisor, your clients are going to be much better informed, that they know exactly what they need from the lawyer. So yeah, 100%. Louis Diamond: Perfect. And then the other one, which is I’d say less commonplace, but it’s a trend. The trend, and you hit on it, that as investments are becoming commoditized or not as differentiated, advisors are being called on to offer more and more services, whether it’s tax preparation in-house or bill pay or picking up clients’ dry cleaning, et cetera. But I think a big area that I’ve seen firms invest in is an in -house trust and estate attorney. Do you think Wealth.com is taking some of the sizzle out of that in-house service or is it just different? Is it two different use cases? Rafael Loureiro: It’s two different uses cases and we actually sell to that use case where if you have your trust estate attorneys in-house, we actually leverage them and they become users on the platform. Going back to my previous answer, now with Wealth.com, you’re going to be able to serve more clients with estate planning. You can actually route some of the use cases back to your trust estate team through Wealth.com. They do whatever they have to do and then you’re able to serve more clients. An example, trust and estate lawyers, they had to read the documents before Wealth.com. They would spend countless hours reading a hundred-page documents. Now with Esther, we do the summarization. We show your trust estate team where all the information was extracted. So instead of reading one document per hour, you’re going to be able to read three documents per hour and visualize the client estate plan and be able to optimize it because we’ve provided insights and suggestions and then the trust and estate lawyer can provide their own and say, “Hey, no, I agree with this one,” or “I think we should also do this.” I think you’re going to optimize the use of your trust estate team. You’re not going to get rid of them. No. Louis Diamond: It’s more so you’re automating the high value differentiated work. It also kind of sounds like, I don’t know when eMoney or MoneyGuidePro came into the mainstream, but it’s almost a difference between a paraplanner for a firm, manually creating pie charts in Excel and PowerPoint and analyzing a bunch of stuff and then eMoney and MoneyGuidePro and NaviPlan and all these companies come about and all of a sudden a lot of the work is automated. And it’s not like a paraplanner is out of work. They just become the experts, the users of the platform and they can allocate their attention to higher value, more bespoke work rather than we’ll say more of the factory kind of below the line things that was taking up a lot of their time. Rafael Loureiro: Absolutely. I like to use the analogy of the shoemaker. In the past, the shoemaker would make one shoe. It would be a beautiful shoe, but he would make one shoe a week or every two days. Now you have specialized agents. All that agent does is read estate planning documents. All that agent does is enriching the documents with insight and observations and looking to all the legal law changes that happened recently. So now you’re able to still make the same high quality shoe, but just at a higher volume. And you have a lot of dedicated workers doing one thing and doing one thing extremely well. So my goal is to empower the shoemaker. My goal is to empower the advisor and with a thousand analysts, a thousand paraplanners. So just making my job more efficient. Louis Diamond: I love it. You fit in Ester a good bit. It seems fairly clear what Ester’s doing. Sounds like an amazing value add. Just given the pace of AI innovation and I don’t think anyone knows where it’s going, but what are you most excited about Ester being able to do either now or in the future and what’s the vision if you can project out a year, which seems like an eternity in AI time, what’s on the dream board for what Ester’s going to be able to do for your Wealth.com clients? Rafael Loureiro: As a technologist, I love this question. I see AI in three distinct phases. You had the first phase of Ester in 2022, 2023 when we launched, which was summaries. It was amazing summarizing data. Some of these clients, Louis, think about this, some of these clients, they have 13 documents in place. They had every type of irrevocable trust you can imagine plus a revocable trust in place. They had very complicated assets, very complex assets. So Ester was amazing in summarizing. That was phase number one. Phase number two is now being able to augment. You read the data, you see an opportunity and you create a task that’s right there in front of the advisor saying, “Hey, I think you should reach out to this client and include this report with some of these observations. Click this button if you agree.” You still involve the advisor, the human is still in the loop. And that’s what we are with Ester right now. We do that. We assess the data, we see the opportunity, we involve the advisor, advisor get involved and say, “Yes, let’s do this,” and click a button, an email is triggered, our report is attached. Here we go. The third phase and that’s coming next and very soon is now you have an agent acting on the behalf of the advisor. I still want to make sure, and I want to make this very clear, I don’t want to get myself in trouble, the devices always evolve, but you have all these specific agents, that’s tax planning agent, that’s the estate planning agent, work independently, connected to the world, extremely well-trained with thousands and thousands of documents that we’ve seen over the years, finding opportunities, creating the tasks, creating the emails, creating the report, having everything ready to go, just waiting for the advisor to say, “Do it.” And we do this enough to the point where the advisor is going to say, “All right, you don’t need my permission anymore to do this specific task. Go.” You connect to the IRS, you download the text transcript, you crunch to this data, you create a report and it’s ready to go. The other thing too is I want to be able, my goal in the next year, a year and a half, is I want to continue estate planning. Up to this point, estate planning has been exactly like you described. You go to a lawyer, you pay thousands and thousands of dollars and those documents start collecting dust in a shelf somewhere while you live your life. And being from this space, that’s not how it works. There is new legislation being passed OBBA became like you crossed tax threshold, you have liquidated events, you get married, you get divorced, you buy real estate property, so on and so forth and that document is already stale. Why does it have to be that way? Now with AI, now with the technology we have in place, it won’t be. I promise you. Louis Diamond: Very cool. That’s exciting. That sounds like the perfect evolution of AI from summary, just here’s something you can read quickly to suggesting action, to then taking action. It does seem like the flow that it’s been and I’m sure there’s 15 other flows from here that we don’t even know yet. Or you probably do because you’re in this, but for me, I can’t even imagine what phase four and five are going to look like for you. Rafael Loureiro: Yes, it’s exciting. Louis Diamond: Definitely is. I saw, when I was doing some research for this that Wealth.com announced a fairly major strategic partnership with Dynasty Financial Partners, embedding Ester into their Dynasty desktop. What do you think this partnership says about where the business is going and how do you expect advisors to really take advantage of this in practice? Rafael Loureiro: It was a new development. We’re super excited about the Dynasty Financial Partnership. Before, if you look at before this partnership, we would have to empower advisor one by one with a Wealth.com license. With this partnership with Dynasty, every advisor in the Dynasty family or using the Dynasty desktop is going to be able to use Ester. So they’re going to be furnished with an AI intelligence that they can ask any estate planning questions, they can get tax planning questions answered. They’re going to be able to upload their clients’ estate planning documents and get a summary with opportunities, with everything that they can do for those estate planning documents. I think it fits perfectly well for enterprise IRAs, wire houses, this solution. Instead of doing one by one, you can actually have AI for all your advisors at once answering their most basic questions and taking action. That’s literally like the agents I was trying to describe. So that’s just the first step in that direction and we’re super excited about this. Louis Diamond: Very cool. Let me ask you another one. So you said earlier that as investment management becomes more commoditized that advisors not only have to offer more services and provide more value, but they also have to differentiate from the advisor or the firm across the street to provide more family office services, if you will. But let’s say, and this will be great for you, Wealth.com becomes like air that everyone’s breathing. It almost becomes like financial planning tool, e-Money. It’s commonplace. Now it’s commoditized across the space, it’s not a differentiator anymore to offer financial planning. As Wealth.com expands more firms work with the platform, what do you think is the next layer or next level of differentiation that your clients then can point to if it’s no longer maybe a couple of years from now that we use Wealth.com that we help with estate planning? Rafael Loureiro: Wow, that’s an interesting one, and approach my wife and bring ideas and suggestions. For me, if I can make that happen where the financial advisor is helping with my taxes, so when it’s tax time, we just have to have a one-hour meeting and we’re ready to click a button and have everything done, that can help me with BillPay. And think about like high net worth and ultra-high net worth people where it becomes extremely complicated to do BillPay properly because you have to pay from the right account, from the right trust. If they can take this off my plate so I can focus 100% in my business and my family, it’s mission accomplished. If that means that they’re going to walk my dog to make this happen, I know I’m exaggerating here, but pick up my laundry like the example you use, I think you’re going to have to do this. That in my mind is how these financial advisors survive the AI revolution. It is that personal relationship. It’s knowing me well. It’s spending more time with me than once a quarter. And with AI, with the right AI, and I know AI, there’s a lot of smoke in this space and very little fire, but with the right agents, with the right workflows, one advisor is going to be able to serve more than a hundred clients. Because right now the ratio is a hundred clients per advisor, maybe you’re going to be able to serve like 200, 250 well. Serve them well, knowing them well, knowing them personally. I think that’s going to happen in the next couple of years. Louis Diamond: I think that’s right. It’s more so like the intangibles that an advisor has. Their secret sauce isn’t going to be necessarily we offer these seven things. It’s going to be, I really get you. I understand you. It’s the advisor’s personal relationship and empathy with that client and all the years that they’ve known them. And then it’s just using all these different tools to aid that relationship. It kind of sounds like that’s what you’re saying. It’s all the other stuff that advisors do that might be different today, over time, people catch up and that becomes commoditized similar to we offer financial planning and that’s a differentiator. Now it’s, if they don’t offer financial planning, it’s a problem. Rafael Loureiro: Yeah, 100%. You got it. Yes, it is the intangibles. That’s perfect. Louis Diamond: Okay. I got two more questions for you. What’s one thing you wish more advisors understood about estate planning that they still miss today? Rafael Loureiro: I think there is an education component. Just deploying Wealth.com and expecting is going to work with your clients. It’s not like that. You need to be willing to have the conversation like your advisor did it with you. You need to have the tough call and say, “Hey, are you ready? Do you have estate planning in place? Why not?” And then having that conversation. Louis Diamond: And I would imagine too, it’s also cool, I got all these documents so instead of it getting locked in the safe or locked in the drawer, it’s also incumbent on the advisor to explain the documents. “Hey, these are a bunch of stuff in here that whatever, we don’t have to get into, but here’s the four key things about this document that you should understand. The power of attorney we’ve nominated is your father-in-law. Your proceeds are going to get distributed one-third to your son, a quarter to your daughter,” et cetera. It’s going to be those things and translating the documents into real words that clients are going to understand. Rafael Loureiro: 100%. That is critical because I’m a software engineer, I’m not equipped to be reading a hundred pages document and trying to understand everything that’s there without … Now with AI, you can actually ask Claude to summarize and Gemini to summarize it, but that was not the case three years ago. So that education component is critical. And some of my advisors are actually very successful, I should say. A smaller firm in this case, I’m not going to say the names, I don’t have that permission to say their name, but they are actually doing these estate planning webinars as a lead generation. Because clients are curious about this. Sometimes if you don’t ask them, you’re never going to know, but they’re probably very curious about estate planning. They’re probably very concerned they don’t have the documents in place. Even the ones that have the documents, they’re probably concerned that they need an update and they haven’t done it. So by doing this webinar, they feel more comfortable just going to the event. They know they’re not going to be the center of attention and then asking a question or hear people asking questions. Some of my most successful clients are actually using webinar as a lead generation to explain state planning. Louis Diamond: It’s a great idea. It’s like you’re empowering the advisor to talk more about estate planning. It’s no longer this bugaboo that was too complex or not in their swim lane. It’s empowering them to lead with, it sounds like. Rafael Loureiro: 100% Louis Diamond: Amazing. And last question, if you were an ambitious advisor building a new firm from scratch today, what would you tell them to focus on to create a more durable, harder to replicate future-proof business? Rafael Loureiro: That’s a great question because the factory floor of a hundred years ago, is no longer work. If you have a chance to start from the beginning, it’s a new world. It’s a new world for companies like ours. Even for companies like ours that are in the bleeding edge of technology, everything is changing with AI. How I organize my teams is changing with AI. So I would say select Wealth.com. No, that’s … I’m kidding. I’m kidding, but yes, I’ll say select the right tools, use AI properly, it’s no longer a headcount game. I’m not saying you’re not going to need help, you’re going to need help, but make sure the tools are talking to each other because it is a new age. It’s an agent about speed, about being able to offer more service quicker, about increasing the relationship, the intangibles, to your point. It’s no longer once a quarter call to your clients. So if I had the chance to do everything again, if I had a chance even to start Wealth.com again, it’s different how you organize your team in this age of AI. AI is going to be bigger than the industrial revolution. Trust me, the shockwave is huge. To your point earlier in this call, we’re getting a big jump every month. It’s no longer every year, every month there is something new coming from AI. So if you start your firm again, select the right partners, select the right tools and then hit the ground running. Louis Diamond: Perfect. That’s amazing. Rafael, this has been so fun. I learned a ton from you. You just have a way of storytelling and I absolutely love the why behind Wealth.com, the personal experience that probably a lot of listeners have had as the light bulb moment. And instead of just complaining about it, you actually took action and now are creating the future of estate planning, empowering advisors to offer estate planning to their clients, getting more folks in this country set up with trust and estates and wills, et cetera. So I think it’s amazing what you’re doing and I’m very excited to continue to watch your success. Rafael Loureiro: Thank you. Thank you for the opportunities and just to do a final plug, estate planning, tax planning, stay tuned. There is more coming. Louis Diamond: There we go. Thanks so much. Rafael Loureiro: Thank you. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? is a book written with you in mind it’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com A conversation with Louis Diamond and Rafael Loureiro, Co-Founder & Chief Executive Officer at Wealth.com. Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com. It’s a conversation with Rafael Loureiro, the firm’s Co-Founder & Chief Executive Officer. I’m Louis Diamond and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wire house, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned, and each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: In the wealth management world, estate planning has largely lived in a separate lane. It’s a topic advisors may raise with clients then hand off to an attorney and eventually a set of documents come back, filed away, rarely revisited, and often disconnected from the rest of the planning process. That structure has been in place for a long time and for the most part, it’s gotten unquestioned, but when you step back, it creates a gap between what do clients expect from their advisor and what actually gets delivered when it comes to estate planning. Rafael Loureiro, co-founder and CEO of Wealth.com, ran straight into the gap after a planning event of his own which should have been a coordinated process, felt fragmented, manual, and surprisingly opaque. And likewise, I recall the same type of disjointed experience in my own estate planning process. It’s experiences like these that became the starting point for building Wealth.com. What makes this story interesting isn’t just that they’re using AI but how they’re using it inside the estate planning process, and it’s how AI allows the model itself to change from a one-time legal event to something that evolves alongside the client, from static documents to a system that can actually interpret, update, and surface what matters, from a disconnected handoff to something the advisor can actively lead. In my conversation with Rafael, we get into how that plays out in practice, how tools like Ester move from summarizing estate documents to identifying gaps, to prompting next steps, and eventually preparing action on behalf of the advisor, because when AI moves from simply organizing information to helping drive decisions, estate planning stops being a periodic task and starts to look more like a continuous part of the advice process. So let’s dive in. Rafael, thank you for coming on our show today. Rafael Loureiro: My pleasure, Louis. Thank you for having me here. Louis Diamond: Of course. Let’s jump in and in researching you and speaking to you in the past, I got to admit, you had a very different path into the wealth management industry probably than anyone I’ve ever interviewed. So can you walk us through your background briefly and early professional endeavors? Rafael Loureiro: Absolutely. The accent that you hear is Brazilian. So I’ve been in the US for 25 years. I’m a software engineer by trade, came here as a HMB, been involved with different companies over the years and then most recently before Wealth.com. I was a chief technology officer with a fraud prevention company, nothing to do with wealth management, but by selling that company, it’s how the Wealth.com story started. Louis Diamond: Perfect. And I was referring to also some of your early career endeavors even before founding your last company, if you’re comfortable sharing that. Rafael Loureiro: Yeah, absolutely. I’ve been involved with four different startups in different spaces. One of them was in, if you remember all the way back to 2008, the real estate prices, the first startup with foreclosures. So when houses went into foreclosures, me and my partner, we created a system to index that. I also had work on a photo album company. It became a lifetime business. It’s still running. I was the CTO and I did my share of consulting. I used to work for Accenture, Avanade, and then a home builder Fortune 500 companies. So I have a ton of experience in the technology space before Wealth.com. Louis Diamond: Perfect. And you mentioned the last business that you started that I believe sold to LexisNexis. Can you walk through what that business was? Rafael Loureiro: Yeah. So I did not start the business. I joined the business before Series A. The person that started the business, Rei Carvalho, he’s actually Wealth.com chairman. So the team is still together. The US, San Francisco, New York, offices in Sydney, Singapore, London. We serve clients like Coinbase, grew very fast and then got acquired by LexisNexis in 2020 during peak COVID. Think about, we literally signed the documents, popped the champagne on March 2020. No vaccine. Louis Diamond: Oh, my God. Rafael Loureiro: We literally popped the champagne and we all went back home to work from home because that was the guy that’s from LexisNexis. Through that experience, selling a company, one thing you usually do, it’s a big liquidity event and estate planning is always related to big moments. You get married, someone in your family die, you have a new kid, you have a liquidated event. So I work with a financial advisor. They’re amazing. They helped me with financial planning, wealth management, saved me a lot of money insurance. But when it was time to do the estate planning, Louis, my experience was, “Hey, Rafael, we always work with this lawyer, go talk to the lawyer.” And then it was a completely broken process. First, because it was COVID and I had to go see the lawyer face-to-face. That was weird right there. Second, because I was expecting the lawyer to know everything about me because my advisor knows everything about me, know about my life situation, know about liquid event, know about my kids, rental houses, everything and then the engineer. I know what I told the lawyer, but do I know for sure that everything I told the lawyer end up in the document? No, I don’t. Long story short, otherwise it is a long story, we’re having a virtual coffee. I don’t know if you remember everyone, big beard, long hair, everyone working from home, and then somehow all the Emailage C-level team and founders, the co-founders, we start complaining about state plan. Even another example, my chairman, the Wealth.com chairman, Emailage CEO, Rei Carvalho, he was like, “Hey, Rafael, I’m done with the summer heat in Arizona. I’m moving to Denver. I’m going for cooler weathers.” Literally the moment he moved to Denver, he gets a call from his estate planning lawyer, welcome him to Denver and saying, “Hey, we need to update your documents. “But I just spent thousands of dollars creating my documents.” “Yeah, but you live in a new state, you have to optimize your documents.” At that moment, Louis, we’re like, “Where there’s a problem, there is an opportunity,” and the company was born. Louis Diamond: I find the best company origin stories, it’s you have that, you have a personal experience or a moment where you have a realization that t

This week Kate, Mark and Henry talk about empathetic robots, mother-baby singing groups for postpartum depression, and new American College of Cardiology lipid guidelines.Indiana AFP POEMs course in French Link: https://www.iafp.org/2026ac Empathetic robots: https://pubmed.ncbi.nlm.nih.gov/41359230/ Weekly singing groups for postpartum depression: https://pubmed.ncbi.nlm.nih.gov/41087020/ACC/AHA/etc lipid guidelines: https://pubmed.ncbi.nlm.nih.gov/41824552/A 2025 study in the journal Family Practice finding that the two most trustworthy lipid guidelines recommended against using CAC, while all five less trustworthy guidelines due to poor methods or COI recommended it. Go figure.Smartphones in schools: https://pubmed.ncbi.nlm.nih.gov/41489912/

Advances in genomics have made accurate COI measurements easier than ever, but understanding how to interpret these values and why they often differ substantially from pedigree-based COI estimates can be tricky. Adam Boyko, PhD does a deep dive into genetics to help you learn all about COI – what it measures, how it's calculated, and why it's important.Watch the video version of this presentation here.

Apply to work with me one-on-one: https://www.cleartheshelf.com/apply $30,000 in legal fees. Just to get dismissed from a lawsuit. The seller didn't make the product, didn't ship it, didn't fulfill it. The customer tripped over the FBA box on their doorstep and sued everyone.Ashlin Hadden has insured more than 5,000 e-commerce businesses. She processes 50-100 insurance applications a week for Amazon sellers. Today she breaks down what Amazon actually requires, what your LLC doesn't protect you from, why your homeowner's insurance won't cover your inventory, and the seven product categories you should never sell without a policy.Chapters:00:00 - Ashlin's Origin Story04:57 - What Amazon Actually Requires06:14 - General Liability vs. Product Liability07:10 - You Jumped on Someone's Listing. You're Responsible for It.08:10 - "Your LLC Can't Pick Up the Phone and Defend You"10:46 - What Happens When You Get Sued (The Claims Process)12:12 - How Much Coverage Do You Actually Need?14:13 - Umbrella Policies and Excess Coverage Explained16:33 - The $30,000 Lawsuit Over a Box on a Doorstep19:00 - 7 Products You Should NEVER Sell Without Insurance22:12 - A Resistance Band Hit a Surgeon in the Face (Horror Story)26:00 - Your Homeowner's Insurance Won't Cover Your Inventory28:06 - Prep Center Risk: Only a Handful Actually Have Coverage30:05 - Prop 65: California's Ambulance Chaser Problem32:34 - Cease & Desist: Is Legal Defense Covered?34:00 - What Does Insurance Actually Cost? ($600 to $150K)37:37 - How to Get Started (Application to COI in a Day)38:52 - Lightning Round: One Thing Every Seller Must KnowFollow Ashlin:Website: ecom.insureEmail: sales@ashlinhaddeninsurance.comSocial: @ashlinhadden everywhereFollow Chris Grant:X/Twitter: @cleartheshelfNewsletter: https://cleartheshelf.com/newsletterFollow Chris Racic:X/Twitter: @ChrisRacicNewsletter: https://oaleads247.com

Đêm rồi, ngoi lên tâm sự chút nha. Video tối nay bé bé xinh xinh vầy thôi hà. Coi xong ngủ ngon hén, S-potify dạo này không có cập nhật mới nha, coi trên Y-outube với ở đây tạm nha mấy bà.

Los titulares de la industria del deporte, con Patricia López, de 2Playbook.El fitness español inicia 2026 con un récord de 83 aperturas y 61 millones de inversión, impulsado por los estudios 'boutique' pese a la caída en grandes formatos. En fútbol, Adidas extiende su acuerdo con la Bundesliga hasta 2034 y el Brighton construirá el primer estadio exclusivo para su equipo femenino en Europa. Además, el COI ficha a J.P. Morgan como banco oficial de Los Ángeles 2028 y Alpes 2030, su primer patrocinador bancario. Lorenzo Giorgetti (Ferrari F1) analiza la estrategia comercial que sitúa a la escudería como la marca más valorada de la competición. ¿Quieres más podcast de la industria del deporte? Apunta: SPORTS, INSIDE by 2Playbook 2Playbook Breaking News ⁠PRO Media & Content⁠: https://open.spotify.com/show/4pXpJ3NwsyO6L7M0W3a1cQ?si=956ce22086854bf0⁠ ⁠PRO Fitness: https://open.spotify.com/show/5yDmPCCzjwuOd43wJ6P29T?si=78f0cdd11a6c48e5 ⁠PRO Deporte Inclusivo: https://open.spotify.com/show/46tEMEcA5qg1QhAW0DCyMx?si=e173f9087ebf49e6 ⁠PRO Women in Sport: https://open.spotify.com/show/2d40NKSP1eFhN9YkmTTzNA?si=1f53010f4e8d4d4fContacto, sugerencias y feedback: podcast@2playbook.com

At the Exit Planning Institute CEPA Summit in Nashville, 1,200 credentialed advisors gathered in one room. The first night, they held an awards ceremony. Every single person who walked on stage had one thing in common. It wasn't their credentials, their AUM, or their years in practice. It was a book.Episode SummaryPaul and Gabe McManus just returned from four days in Nashville at the EPI CEPA Summit, where they presented the Authority Operating System to one of the most credentialed audiences in financial services. In this episode, they break down all five pillars of the AOS: writing the right book, activating clients and COIs, building a guest podcast tour, optimizing for search everywhere (not just Google), and leveraging AI without the slop. Real client stories throughout. Real results.About Paul & Gabe McManusPaul G. McManus is the CEO and founder of The Short Book Formula, a publishing company that has helped 500+ financial professionals write, publish, and leverage books over the past decade. He is the author of The Short Book Formula and Book Marketing for Financial Advisors, and was featured on Michael Kitces' Financial Advisor Success Podcast (Episode 417). Gabe McManus is Director of Elite Advisor Programs and author of Sharpen Your Message: Guest Podcasting for Financial Advisors.What We CoverWhy every award recipient at the Nashville CEPA Summit had a book, and what that pattern means for your practiceThe three objections every advisor raises before writing a book: "I'm not a writer," "I don't know what to write about," and "I don't have time" — answered directly and practicallyHow Joe Falbo spent 30 years trying to get CPA referrals, published one book, and ended his next lunch with that CPA ordering 500 copies to mail to his entire client list on his own letterheadHow Jason Wendt turned a book launch party on a yacht into a recurring financial commentary slot on NBC ChicagoWhy Google now accounts for only about 20% of search, and where the other 80% of your prospects are asking questionsThe difference between AI slop and using AI to genuinely extend your reach once the book existsWhy the book is the foundation: guest podcasting, media, COI referrals, and AI discoverability all start thereResources MentionedBook Marketing for Financial Advisors by Paul G. McManusSharpen Your Message: Guest Podcasting for Financial Advisors by Gabe McManusExit Planning Institute (EPI) — exit-planning-institute.orgThe Short Book FormulaConnect with Paul & GabeWebsite: influentialadvisor.comPaul on LinkedIn: linkedin.com/in/paulgmcmanusGabe on LinkedIn: linkedin.com/in/gabemcmanusSupport the show

In this episode of the Smells Like Money Podcast, host Suzan Chin-Taylor sits down with Michael Ramos, a Chicago native and veteran chief engineer with over 30 years of experience in facilities management. Inspired by the Flint water crisis and the devastating impact of lead exposure on children's brain development, Michael developed a groundbreaking solution to a national infrastructure challenge.The Challenge of Stagnant Water:Lead and copper levels typically rise when water sits in pipes for more than six hours, causing essential corrosion control chemicals to break down. While replacing aging infrastructure is the ultimate goal, the scale of the problem is massive. For example, replacing Chicago's 400,000 lead service lines is estimated to cost over $8 billion and take nearly 100 years.Introducing the NOAH System:Michael invented the NOAH System to address these issues through automated remediation. Unlike manual flushing, which is often neglected, this device automatically clears taps and fountains every few hours to keep water moving and maintain protective pipe coatings.Key features of the NOAH System include:- Zero Maintenance: Once installed, there are no filters to change or clocks to program.- Proven Success: Since its first school deployment in 2016, it has successfully reduced lead levels to non-detection.- Versatile Use: It can be installed in schools, daycare centers, kitchen sinks, and chemistry labs.- Simple Installation: The low-voltage, lightweight design features quick-connect fittings suitable for DIY or professional setup.Connect with Michael Ramos:Website: noahsystem.co LinkedIn: Michael Ramos Email: michael@noahsystem.coI hope you find this episode as informative and as exciting as we have.Please let us know your thoughts about the episode!Connect with Suzan Chin-Taylor, host of The DooDoo Diva's Smells Like Money Podcast:Website: www.creativeraven.com | https://thetuitgroup.com/LinkedIn: https://www.linkedin.com/in/creativeraven/Email: raven@creativeraven.com Telephone: +1 760-217-8010Listen and subscribe here to your favorite platform:Apple Podcast - Google Podcast - Cast Box - Overcast - Pocket Casts - YouTube - Spotifyhttps://creativeraven.com/smells-like-money-podcast/ Subscribe to the Podcast:https://creativeraven.com/smells-like-money-podcast/Be a guest on our show:https://calendly.com/thetuitgroup/be-a-podcast-guestCheck Out my NEW Digital Marketing E-Course & Coaching Program just for Wastewater Pros:https://store.thetuitgroup.com/diy-digital-marketing-playbook-for-wastewater-pros#LeadRemediation #WaterSafety #PublicHealth #CleanWater #InfrastructureInnovation #NOAHSystem #SchoolSafety #EnvironmentalEngineering #LeadServiceLines #CorrosionControl

Few financial products generate as much excitement (or possibly as much confusion) as indexed universal life insurance.  IUL insurance has become one of the most aggressively marketed policy types in the industry, pitched with language that sounds almost too good to overlook, including terms such as market-linked upside, downside protection, tax-advantaged growth, and flexible premiums. https://www.youtube.com/live/fZS1uPmsCS0 Some of that is real, but we feel strongly that context and nuance should be applied when procuring any IUL policy, as it can obscure risks that don't become apparent until years after you have signed. This article is an honest guide to what an IUL policy actually is, how it works under the surface, what it promises versus what it delivers, and why, for those building a financial strategy around Infinite Banking, we consistently and strenuously recommend a different path. Key TakeawaysWhat Does Indexed Universal Life Insurance Mean?How Does an IUL Policy Work?The Floor, Cap, and Participation Rate ExplainedThe FloorThe CapThe Participation RateFlexible Premiums – Feature or Risk?IUL vs. Whole Life Insurance: Key DifferencesCan You Use an IUL for Infinite Banking?Why The Money Advantage® Recommends Whole Life for IBCWho Is IUL Best Suited For?IUL Pros and Cons: An Honest AssessmentWant Help Evaluating Your Policy Options? Key Takeaways An indexed universal life insurance policy is a form of permanent life insurance that ties cash value growth to the performance of a stock market index, subject to caps, floors, and participation rates. IUL offers flexible premiums and the potential for market-linked returns without direct market exposure. That flexibility, however, comes with complexity and risk that most sales presentations understate. The 0% floor protects against index-driven losses, but it does not protect against policy fees and rising cost of insurance charges, which can erode cash value even in flat or positive market years. For those practicing Infinite Banking, IUL introduces variables that conflict with the certainty and control the strategy requires. Whole life insurance remains the preferred vehicle. IUL is not inherently a scam or a bad product. It is, however, a complex one, and complexity without understanding is where financial damage happens. What Does Indexed Universal Life Insurance Mean? An indexed universal life insurance policy is a type of permanent life insurance with two distinguishing features: flexible premiums and a cash value component that earns interest based on the performance of a stock market index, most commonly the S&P 500. You don't own shares or invest directly in the market. Instead, the insurance company credits interest to your cash value based on how the chosen index performs over a given period, within defined parameters, including a floor (usually 0%), a cap (often 10-12%), and a participation rate (the percentage of index gains you actually receive). The core appeal of an indexed universal life insurance policy is quite understandable, as you get some exposure to market growth without the risk of direct market loss. Your cash value won't decline because of a bad year in the S&P 500, and that's exactly what the floor is for.  But with that comes a caveat: your gains are limited in strong years by the cap and the participation rate. Now, on the face of it, that may sound like a reasonable tradeoff. And for some people, in some situations, it certainly can be. But the full picture is far more complicated than the pitch suggests, and, once again, the complications tend to show up years down the road. How Does an IUL Policy Work? The mechanics of an IUL policy involve more moving parts than wholelife insurance, and understanding those parts is essential before committing to one. When you pay a premium, that money is allocated across three buckets: the cost of insurance (COI) – the actual price of maintaining your death benefit – policy fees and administrative charges, and whatever remains flows into your cash value account. The cash value is then credited with interest according to the index strategy you've selected. This is where the structure differs most from whole life insurance. With a whole life contract, your cash value growth is guaranteed by the contract, and dividends from a mutual company add to that growth. With IUL insurance, your credited interest depends on external index performance, constrained by the carrier's rules, which the carrier can change. That glaring distinction is far more telling than it might seem at first glance. The Floor, Cap, and Participation Rate Explained These three mechanics define the boundaries of your IUL's cash value growth, and they deserve a close look. The Floor The floor is the minimum interest credited to your cash value in any given period, usually 0%. If the S&P 500 drops 15% in a year, you are credited 0% rather than absorbing that loss.  That sounds protective - and it is, in a narrow sense.  But a 0% credit year doesn't mean your cash value holds steady. Policy fees and cost of insurance charges are still deducted regardless, which means your cash value can shrink even when the floor is doing its job. The Cap The cap is the maximum interest credited, regardless of how well the index performs. If your policy has a 10% cap and the S&P 500 returns 25% in a given year, you receive 10%. The other 15% stays with the insurance company. In a strong bull market, the cap quietly siphons off the upside that made the product appealing in the first place. The Participation Rate Finally, we have the participation rate, which determines what percentage of the index gain (up to the cap) you actually receive. An 80% participation rate on a 10% index return means you are credited 8%. However, caps and participation rates are not permanently fixed. Insurance carriers can adjust them. The concern here is that what may be illustrated at the point of sale may not be what you experience five, ten, or twenty years into the policy. Flexible Premiums – Feature or Risk? One of the most marketed features of indexed universal life insurance is premium flexibility. Unlike traditional whole life, where the base premium is fixed and contractually guaranteed, IUL allows you to vary premiums within certain limits. You can pay more in strong years and less in lean ones. While whole life with paid-up additions riders can also offer flexibility for adding extra premium, those additional contributions are optional. Traditional whole life does not depend on extra rider premiums to keep the policy in force. That sounds like freedom. In reality, it could be viewed as a trap, of sorts. The issue is that underfunding an IUL policy (paying less than the amount needed to cover insurance charges and fees) doesn't trigger an immediate consequence. The policy stays in force, but the shortfall compounds over time.  Alarmingly, because the cost of insurance in a universal life chassis increases as you age, the gap between what you're paying and what the policy requires can widen dramatically in your 60s, 70s, and beyond. This is one of the most commonly realized negatives of IUL insurance. Policyholders who reduced premiums during their working years discover decades later that their policy is on the verge of lapsing, and the cost to keep it alive has absolutely skyrocketed. By the same token, flexible premiums can work for disciplined, well-informed owners who understand the risks. But the flexibility itself is not the safety net it is frequently marketed as - it's an anxiety-inducing variable that requires active management for the life of the policy. IUL vs. Whole Life Insurance: Key Differences A huge number of people researching IUL are comparing it to whole life. But while the two products are both permanent life insurance, their internal architecture is fundamentally different. IULWhole LifeCash value growthTied to index performance, subject to caps, floors, and participation rates. Not guaranteed.Contractually guaranteed growth, plus highly anticipated dividends from a mutual company.PremiumsFlexible - can vary year to year.Fixed and level - guaranteed never to increase.Cost of insuranceIncreases annually with age. Deducted from cash value.Built into the level premium structure. No separate increasing charge.Death benefitCan fluctuate depending on funding and policy performance.Guaranteed for life.ComplexityHigh - multiple moving parts, carrier-adjustable terms.Low - contractually defined.Policy loan behaviorLoan interest plus uneven crediting can create negative arbitrage.Predictable. Cash value continues to earn while loans are outstanding. Either way, neither product is universally or objectively better. They serve different purposes, and the differences in guarantees, predictability, and internal cost structures are significant, especially for anyone planning to use their policy as a long-term financial tool. Can You Use an IUL for Infinite Banking? Some advisors market indexed universal life for “banking” strategies, making the case that IUL's potential for higher returns makes it a superior vehicle for building a personal banking system. That is not the same thing as the Infinite Banking Concept as taught by Nelson Nash. As Authorized Infinite Banking Practitioners, we believe Infinite Banking is properly implemented with dividend-paying whole life insurance because the concept is about becoming your own banker by taking the banking function into your own life. And our position is not arbitrary. The Infinite Banking Concept is built on predictability, certainty, and control. You need confidence in how your cash value system will function over time.  You need guaranteed access to policy loans. You need a death benefit that doesn't fluctuate....

Vuelve la Tertulia Cynisca, la tertulia deportiva feminista en la que analizamos la decisión del COI de establecer un nuevo control de sexo por el que solo podrán competir mujeres biológicas en categoría femenina. En la tertulia participa la co-educadora, Lucia Carmona y como invitada especial, María José Martínez Patiño, doctora en CAFYD y miembro de la comisión médica del COI como experta.

- Thị trường chứng khoán Việt Nam khẳng định lộ trình nâng hạng.- Mục tiêu tăng trưởng hai con số cần gắn với nâng cao chất lượng cuộc sống của người dân.- Coi trọng chất lượng thông tin tuyên truyền về sử dụng năng lượng tiết kiệm và hiệu quả.

Volvemos tras una semana de descanso con el Radiojaputa 272, un podcast que iniciamos con un temazo: mujeres que actualmente son jefas de Estado o Gobierno de sus países. ¿Las conocemos? Y más importante aún: que una mujer esté en la cima del poder de un país, ¿implica automáticamente una transformación y cambio en la lógica de ese poder? Continuamos escuchando los audios que nos habéis mandado esta semana: hablamos de las mujeres en las cofradías de Semana Santa, de la nueva presidenta del COI y de los acantilados de cristal (si no sabes qué es esto, te lo explicamos), de empresas que promueven los safe spaces pero solo para algunes… Y también tenemos recomendaciones de eventos y el audio (súper interesante) de una oyenta de 12 años. Y regresa a nuestro podcast violentito de confianza Patricia Sornosa con su sección “Cuéntaselo a la tita Patri”: a raíz del audio de una compañera, analizamos los tipos de hombres que te puedes encontrar en el trabajo… y es que a muchas deberían pagarles un plus por aguantar machirulos. Cerramos el podcast de hoy con música, nuestro ya clásico audio de subidón y algún recordatorio para que no te pierdas nada de lo que hacemos en este bote salvavidas, a la deriva feminista. Para matrocinar este espacio, puedes hacerlo en radiojaputa.com. Si tú también quieres participar, mándanos un audio de whatsapp al (+34) 636 75 14 20. Y si te han gustado las canciones, las tienes todas en Youtube, listadas por temporadas.

Coi Leray keeps it all the way real with Keke in a conversation about knowing you're “really her,” even before others recognize it. From growing up between luxury and struggle to the viral hits that shaped her hustle, Coi talks about how becoming a mom changed her purpose and shares the advice Cardi B gave her about pregnancy, her take on female rap beefs, how her relationship surprised her, and her latest track, “Better Than Yours.”See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

O Comitê Olímpico Internacional (COI) estabeleceu novas regras de elegibilidade para as competições femininas. A partir de agora, a participação será limitada a mulheres biológicas, com a comprovação realizada através do teste do gene SRY, marcador científico do desenvolvimento sexual masculino.A medida foi endossada pela relatora especial da ONU sobre Violência contra Mulheres, Reem Alsalem. Segundo a relatora, a decisão é baseada em fatos e na ciência, sendo essencial para garantir a segurança física, a equidade e a dignidade das atletas e jovens esportistas. Papo Antagonista é o programa que explica e debate os principais acontecimentos do dia com análises críticas e aprofundadas sobre a política brasileira e seus bastidores.       O programa traz contexto e opinião sobre os temas mais quentes da atualidade.       Com foco em jornalismo, eleições e debate, é um espaço essencial para quem busca informação de qualidade.       Ao vivo de segunda a sexta-feira às 18h no nosso canal no Youtube.   https://www.youtube.com/@OAntagonista   Apoie o jornalismo independente. Assine O Antagonista e Crusoé com 10% via Pix ou Google Pay:   https://assine.oantagonista.com.br/  Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Leia mais em www.oantagonista.com.br | www.crusoe.com.br #COI #Mulheres #Esporte #ONU #Biologia #Olimpíadas #Justiça #Categorias #Inclusão #Equidade #Direitos #Notícia #Atualidade #Podcast #Debate #Regras #Competição #Gênero #Feminismo #Sociedade

Ramón Besa y Manuel Jabois repasan los cánticos xenófobos del España-Egipto, la reacción de Lamine y la decisión del COI con las mujeres trans

Sometimes, a collection of new species turns out to be… no new species!Takahiro Sugiyama, Ryutaro Goto, and Chloé Fourreau began studying the unique ectoparasitic scale worm Gastrolepidia clavigera in part because of its fascinating diversity of color, likely contributing to its ability to camouflage on sea cucumbers. After some genetic work, they found that this entire rainbow of scale worms all actually seem to belong to the same species! Takahiro Sugiyama, Ryutaro Goto, and Chloé Fourreau's paper “Host specific camouflage in a holothurian-ectoparasitic scale worm: testing the host-race hypothesis using COI and genome-wide SNP data” is in volume 173 of Marine Biology It can be found here: https://doi.org/10.1007/s00227-025-04744-yEpisode image credit: Takahiro Sugiyama and Ryutaro GotoA New Species episode with Chloé on Polychaete worms: https://open.spotify.com/episode/0aH2bPNb4u3wOrONIYfZkp?si=7i0lzzSlSjWfsXce436-3gFollow Chloé on instagram and Bluesky: @chaoticchloeiaFollow the MISE lab on instagram: @mise_labRead Takahiro's recent paper about the scale worms that live on sea stars: doi.org/10.3800/pbr.15.289Original description of G. clavigera: https://www.biodiversitylibrary.org/item/50342#page/8/mode/1upBe sure to follow New Species on Bluesky (@newspeciespodcast.bsky.social) and Instagram (@NewSpeciesPodcast) and “like” the podcast page on Facebook (www.facebook.com/NewSpeciesPodcast).Music in this podcast is "No More (Instrumental)," by HaTom (https://fanlink.to/HaTom)If you have questions or feedback about this podcast, please e-mail us at NewSpeciesPodcast@gmail.comIf you would like to support this podcast and enjoy bonus episodes, please consider doing so at https://www.patreon.com/NewSpeciesPodIf you would like to make a one-time contribution to this podcast, you can do so at https://buymeacoffee.com/newspeciespod

Seis dias após IM 70.3 Geelong, Kristian Blummenfelt vence o 70.3 Oceanside fazendo novamente a melhor corrida do dia. Taylor Knibb também mostrou sua força com novo recorde da prova (que era dela) e começando o ano com duas vitórias em 1 semana (venceu o T100 Gold Coast). Falamos também dos outros resultados do final de semana, nova política do COI, e muito mais.

O Maquinistas de hoje recebe Bruno Fratus. Muito mais do que um ex-nadador, com diversas medalhas conquistadas no esporte de alto rendimento, Bruno fala sobre diversos assuntos que extrapolam as bordas da piscina.Fratus revela seus projetos pessoais e, dentre eles, considera muito importante passar experiências para novos atletas. Bruno ressalta a importância de tratar e falar sobre saúde mental entre os competidores de alto nível citando, inclusive, sua própria jornada de autoconhecimento durante e após seu tempo nas águas.Outro tema importante abordado pelo convidado do Maquinistas de hoje é a importância da gestão de carreira feita de forma responsável e profissional.Bruno fala de seus interesses e dos desafios de sua vida pós-carreira de atleta profissional, principalmente com a dificuldade de construir uma vida na qual a competição não é mais o objetivo principal.00:00 Início02:20 A frustração com as derrotas03:48 O episódio da entrevista do "Tô felizão"05:54 A aposentadoria09:23 A saúde mental do atleta11:36 A questão da saúde mental em todo o ecossistema do esporte13:21 A preocupação do COI com o atleta14:46 O marketing de influência na vida dos atletas18:10 O Bruno Fratus não atleta20:40 Os maiores desafios na criação de conteúdo23:20 A dificuldade de parar de fazer atividade física28:13 O autoconhecimento do corpo30:32 A diferença do Bruno Fratus dentro e fora da competição35:45 A relação das marcas com Bruno Fratus40:19 A gestão de carreira do atleta43:58 O futuro de Bruno Fratus49:28 Bruno como comunicador56:20 O sacrifício para ser atleta de alto rendimento01:04:39 A transição de carreira01:07:20 O excesso de blindagem dos atletas01:11:43 O dinheiro no mercado para os atletas01:14:18 Novos modelos de treino na natação01:16:36 Momento Gheorge01:20:32 A impostância de falar sobre saúde mental

Parlem amb Silvia Sicore, activista trans, i amb B

Hoje, ‘No Pé do Ouvido, com Yasmim Restum, você escuta essas e outras notícias: Trump volta atrás e estende prazo para Irã reabrir Ormuz. Justiça carioca anula eleição de presidente da Alerj que assumiria governo do Estado. Paul McCartney lança novo single que faz parte do próximo álbum. WhatsApp anuncia ferramentas de IA para sugerir respostas e editar fotos no chat. Atletas trans são banidas das Olimpíadas pelo COI. E confira as dicas da agenda cultural para Rio e São Paulo.See omnystudio.com/listener for privacy information.

Welcome to the Daily Compliance News. Each day, Tom Fox, the Voice of Compliance, brings you compliance-related stories to start your day. Sit back, enjoy a cup of morning coffee, and listen in to the Daily Compliance News. All, from the Compliance Podcast Network. Each day, we consider four stories from the business world, compliance, ethics, risk management, leadership, or general interest for the compliance professional. Top stories include: The Trump Administration is allowing corruption via COI to continue. (CNBC) Another day, another $1.5bn in insider trading. (TheHill) Marco Rubio testifies in corruption trial. (NYT) The US ban on Anthropic ‘looks like punishment'. (WSJ) Learn more about your ad choices. Visit megaphone.fm/adchoices

#CoiLeray #NBAYOUNGBOY #BetterThanYours #Rap #Hip-Hop #Trap2026 is here! That means Let's Talk About it: MUSIX REVIEWS S12 is here! A whole new approach this year long season is all about opening up and leaving behind the past. Join TK on a journey of funny off the wall pop reviews, hip-hop, Rnb and whole new variety content too! Of talking about trending news topics, video games and even maybe even talking about movies too! S12 is here! New episodes every single day! Join the wild ride of the SECOND YEAR LONG SEASON.Coi Leray, NBA YoungBoy, Better Than Yours, new music, hip hop, rap, trending music, music video, official video, collaboration, YB, Coi, rap music, hip hop music, new rap, new hip hop, viral music

Seth Cohen, cofounder of Sweetfin and one of QSR Uncut's original guests, returns to chat about the fast casual's evolution as it celebrates 10 years. But this is far more than just a party. The brand kicked off 2026 with a bold new culinary chapter developed in collaboration with two-Michelin-starred chef Daniel Patterson. Known for redefining California cuisine through pioneering restaurants including Coi, Alta, and Locol, Patterson is bringing world-class technique to Sweetfin's fresh, approachable style. What does this mean? Warm bowls. Elevated standards. And much more. We get into all of that, plus look back on the poke category's growth over the past decade and what's still to come.

Why Centers of Influence Don't Respond to Cold Calls (And What Actually Works) Most financial advisors waste years chasing CPAs and attorneys with zero results. After 32 years coaching over 75,000 sessions with financial advisors, I'm sharing the real COI strategy that actually works. In this episode, Coach Joe reveal: ✅ The #1 mistake advisors make with COI strategies (and why 9/10 fail) ✅ Why CPAs and estate planning attorneys rarely deliver referrals ✅ Non-traditional COIs worth 10X more than CPAs (executive coaches, life transition specialists, business consultants) ✅ The 50-meeting rule: Why you need this many before measuring success ✅ My exact email template for warm introductions (never cold call) ✅ How to claim your niche so COIs actually remember and refer you ✅ The first meeting strategy: Listen, don't pitch Listen now and start building partnerships that actually convert.

Insurance agencies don't just need more people — they need smarter operations. In this episode of Insurance Shoptalk, Eric Stein sits down with Travis MacMillian of Xceedance to unpack how automation, AI, and strategic back-office support can completely transform the way property & casualty agencies operate. From policy checking and COI management to remarketing, loss runs, endorsements, accounting reconciliation, and even claims coordination — Travis explains how agencies can eliminate repetitive portal work, reduce manual data entry, and create 30%+ more operational capacity without stacking on more headcount. This isn't about replacing people. It's about removing friction — so principals can put more in their pocket, pay producers and CSRs more, and build a modern digital footprint that supports real growth. If you're tired of adding bodies just to keep up with volume, this conversation will shift your thinking. #InsuranceShopTalk #AgencyAutomation #InsurTech #InsuranceOperations #AgencyGrowth #DigitalInsurance #PAndC New boost

El periodista reflexiona sobre cómo el COI ha descalificado y readmitido al cabo de unas horas a un atleta ucraniano de Skeleton por llevar pegadas en el casco imágenes de deportistas asesinados por Rusia en su país

No podcast ‘Notícia No Seu Tempo’, confira em áudio as principais notícias da edição impressa do jornal ‘O Estado de S.Paulo’ desta terça-feira (03/02/2026): Na cerimônia de abertura do ano judiciário, o presidente do STF, Edson Fachin, avançou em seu projeto para instituir um código de conduta dos ministros da Corte. “Reafirmo o compromisso com a adoção de um código de ética para o Tribunal”, disse. O ministro fez um discurso assertivo em defesa da “ponderação” e da “autocorreção” institucional e anunciou que Cármen Lúcia será a relatora da proposta. O gesto é uma demonstração de que, apesar de pressões externas e internas, Fachin seguirá com o propósito. No STF, a maioria dos integrantes é a favor do código, mas há resistências, especialmente de Alexandre de Moraes, Dias Toffoli e Gilmar Mendes, ministros com grande interlocução com a política. E mais: Política: Cúpula do Congresso prega paz, mas sem abrir mão de emendas Economia: Fictor, que figurou como interessado no Master, pede recuperação Internacional: Após troca de insultos, Petro tenta reparar laços em reunião com Trump Metrópole: Prefeitura ‘confiscará’ parte de lucro do Jockey Club com torneio de tênis Esportes: Rebeca Andrade vai carregar a bandeira olímpica em MilãoSee omnystudio.com/listener for privacy information.

Welcome to Standing Stone Kennels! Every year, we sit down and plan our upcoming dog breedings—but this time, we're bringing you inside the process.In this episode of the Standing Stone Podcast, we break down how we plan our litters, evaluate pedigrees, calculate inbreeding coefficients (COI), and balance genetics with real-world hunting performance. We discuss linebreeding vs outcrossing, fertility considerations, color genetics, temperament, and long-term breeding strategy.You'll hear detailed discussions on planned breedings for dogs like Cassie, Rye, Trix, Hazel, and Shock, along with honest explanations of why some breedings are repeated, others are avoided, and how future flexibility plays a major role in every decision.This episode is a must-watch for anyone interested in:- Breeding hunting dogs responsibly- Understanding pedigrees and COI- Building a sustainable breeding program- Producing versatile, family-friendly bird dogs

rWotD Episode 3187: Haemadipsidae Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Saturday, 24 January 2026, is Haemadipsidae.Haemadipsidae (From Greek "haima" and "dipsa" ("blood" and "thirst", respectively)) are a family of jawed leeches. They are a monophyletic group of hirudiniform proboscisless leeches. These leeches have five pairs of eyes, with the last two separated by two eyeless segments. The family is monotypic, containing only the subfamily Haemadipsinae. However, the family can apparently be divided into two or three distinct lineages. At least one of the proposed splits, while not a distinct family, might be a valid subfamily.Haemadipsids have two or three jaws. The two-jawed (duognathous) species were classified in a number of largely monotypic or non-monophyletic genera, so they were placed into a single monophyletic genus called Chtonobdella.To increase grip, their caudal suckers have textured "friction" or "sucker" rays.Commonly known as jawed land leeches, these annelids are known from subtropical and tropical regions around the Indian and Pacific Ocean. Well-known Haemadipsidae are for example the Indian Leech (Haemadipsa sylvestris) and the yamabiru or Japanese Mountain Leech (Haemadipsa zeylanica). Members of the family feed on blood, except Idiobdella which has adapted to eat small snails.The other notable group of jawed blood-sucking leeches are the aquatic Hirudinidae. The Xerobdellidae are sometimes included in the Haemadipsidae, but their status as a distinct family is supported by sequence analysis of the nuclear 18S and 28S rDNA and mitochondrial COI genes as well as the anatomy of their sexual organs and nephridia; the latter are located at the belly rather than along the body sides as in the Haemadipsidae proper. All Xerobdellidae have three jaws.Haemadipsidae probably originated in the Triassic, more than 150 million years ago (mya). The diversification of the large Asian genus Haemadipsa probably did not take place until the Eocene, about 50 mya.Because members of this family are terrestrial, feed on vertebrate blood, and digest blood meals fairly slowly, they are used in invertebrate-derived environmental DNA (eDNA) research. By extracting DNA from leech guts and sequencing vertebrate-specific genes, it is possible to identify which vertebrate the leech in question has fed upon, and therefore what animals are in the surrounding habitat. This methodology can be complementary to camera trap biodiversity surveys, which often undercount smaller animals.This recording reflects the Wikipedia text as of 01:13 UTC on Saturday, 24 January 2026.For the full current version of the article, see Haemadipsidae on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Niamh.

“Expired Listing Day” gets hyped every January, but if expireds are your only plan for 2026, you're missing the data. In this episode, Tom breaks down why the advice is overblown and shares 5 more predictable listing pillars: sphere/COI marketing, a simple “one more thing” script to uncover sellers, video CMAs, sales leverage with open houses + neighborhood outreach, and consistent direct mail farming. Want help building your listing plan? Click the link in the comments to book a call.

COI #863, Kyle Anzalone breaks down the latest news in Venezuela, Ukraine, and Israel. The Kyle Anzalone Show Odysee Rumble  Donate LBRY Credits bTTEiLoteVdMbLS7YqDVSZyjEY1eMgW7CP Donate Bitcoin 36PP4kT28jjUZcL44dXDonFwrVVDHntsrk Donate Bitcoin Cash Qp6gznu4xm97cj7j9vqepqxcfuctq2exvvqu7aamz6 Patreon Subscribe Star YouTube Facebook  Twitter  MeWe Apple Podcast  Amazon Music Google Podcasts Spotify iHeart Radio

COI #863, Kyle Anzalone breaks down the latest news in Venezuela, Ukraine, and Israel.

Marcelo Gantman conversa con Fernando de Dios, editor para América Latina de Getty Images y responsable de las operaciones de la compañía para el próximo Mundial 2026. Con una experiencia de más de 14 años, de Dios cuenta cómo Getty hace sus alianzas con FIFA, F1 y COI, además de ser una agencia independiente que abastece a clientes de todo el planeta. La tecnología para capturar la épica deportiva en tiempos en que todos sacamos fotos. La IA como método de verificación y el modo de consumir imágenes y videos en una era de saturación y contenidos inmediatos.

Modern selling isn't about pushing - it's about problem identifying. In this episode, we break down sales training that actually works, rooted in customer problem identification and ROI selling marketing strategies that help elite sellers win without discounting. In this conversation, Harry Kendlbacher sits down with Beth Morris, VP of Product Insights at NielsenIQ, to decode the real skills behind high-performing sellers - from insight-driven discovery to value-based selling, negotiation without concessions, and using the cost of inaction to drive urgency. If you're leading a sales team or selling into complex buying groups, this episode will change how you prepare, position, and influence.

On this special Halloween edition of #TheNonprofitShow, Host Julia C. Patrick welcomes “Countess” Justine Townsend of Your Part-Time Controller (YPTC), to turn board governance fears into practical know-how. Capes, cobwebs, and clever metaphors aside, the lesson is real: fiduciary duties aren't folklore; they're law. As Justine explains, “you have a legal and ethical obligation to act on behalf of the organization with their best interest in heart.” Miss that, and the consequences can rattle a boardroom harder than a thunderclap.First comes the duty of care. Think: show up, read the financials, ask questions, and make informed decisions. The monster here is the “ghost board member”—present in name only—who fails to notice a growing payroll tax balance. When the feds knock, there's no hiding in the attic. Justine's warning is blunt: “D&O insurance does not cover unpaid payroll taxes.” That's a real-world jump scare.Next is the duty of loyalty—less about blind allegiance and more about putting the organization's interests ahead of your own. Enter the “vampire board member,” pushing a property sale that benefits them more than the nonprofit. The cure: annual conflict-of-interest disclosures, board recusals, and transparency. Bonus: checking the policy box (and posting it on your website) earns trust points with watchdogs like Candid.Finally, the duty of obedience. No, not the toddler version. This means honoring laws, policies, donor restrictions, and—crucially—the mission. Beware the “zombie board member,” shambling after “money, money, money” while letting programs drift off-mission. That's how donor restrictions get broken and how repayment claims can rise from the grave. File the Form 990 on time, disclose program changes, and keep mission, vision, and values stitched tightly together.Throughout, Julia and Justine keep it witty and useful: schedule your COI renewals before year-end, disclose changes on the 990, and use fiscal sponsorship wisely during early program stages. The closing charm? A simple mnemonic: care (do the work), loyalty (put the org first), obedience (follow the rules). With that, your board won't just survive spooky season—it'll thrive all year.#NonprofitFinance #BoardGovernance #TheNonprofitShowFind us Live daily on YouTube!Find us Live daily on LinkedIn!Find us Live daily on X: @Nonprofit_ShowOur national co-hosts and amazing guests discuss management, money and missions of nonprofits! 12:30pm ET 11:30am CT 10:30am MT 9:30am PTSend us your ideas for Show Guests or Topics: HelpDesk@AmericanNonprofitAcademy.comVisit us on the web:The Nonprofit Show

Key Chapters0:00 – Introduction2:15 – Why financial advisors should focus on business-owner clients5:10 – The challenges of illiquid wealth and how advisors can solve them9:00 – How Raymond James connects wealth management and investment banking12:40 – Building deeper COI relationships with attorneys and accountants17:25 – Why understanding business valuation matters for every advisor22:40 – Raymond James' unique culture and the “village” behind the success28:10 – How collaboration with investment bankers expands advisor opportunity33:30 – Why this approach is the future of growth for independent advisorsResources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comConnect with Ken Grider: Ken.Grider@RaymondJames.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

In this episode of the Buzz we get to talk to Todd Hager, the Vice President of Strategic Advisory at Alpha Omega. Todd reflects on his extensive career journey, starting from his early tech roles in the hotel industry, transitioning to government contracting, and becoming a key player in fostering industry-government collaboration. He discusses the importance of emerging technologies like blockchain and AI, and shares insights on building collaborative communities. Todd also touches on significant personal experiences, including his reflective walk on Spain's Camino de Santiago and his longtime commitment to teaching GED math, which have both shaped his professional ethos. As Todd transitions to the IAC board, he shares his vision for future initiatives and offers advice to new COI members on embracing engagement and collaboration. Subscribe on your favorite podcast platform to never miss an episode! For more from ACT-IAC, follow us on LinkedIn or visit http://www.actiac.org.Learn more about membership at https://www.actiac.org/join.Donate to ACT-IAC at https://actiac.org/donate. Intro/Outro Music: See a Brighter Day/Gloria TellsCourtesy of Epidemic Sound(Episodes 1-159: Intro/Outro Music: Focal Point/Young CommunityCourtesy of Epidemic Sound)

Send us a textThere's a trail that runs from the Mexico-U.S. border north through California, Oregon and Washington, ending at the Canadian border. A grueling test of grit and endurance, it's no surprise those that attempt some or parts of the Pacific Crest Trail are changed. Long after blisters heal over, hammies stop aching, shins come back to normal, the stories of the trail linger in the minds of hikers. Is it the hours alone? Or the silence? Or the senses that become sharper watching for shifts in weather and wildlife? Or something else, like a hitchhiking ghost, that stays with them after leaving the PCT? The west coast of the United States is one I know well, like the back of my hand. But as I've been learning about trail angels, trail pirates, hitchhiking, and uncovered the people that have gone missing on this stretch of trail? It's become a place I don't recognize, that fascinates and scares me.Grab a Bobo bar and a glass of water!  Let's get into it!This episode covers:Pacific Crest Trail 101Hiker Horror StoriesHiker Cautionary TalesCascadia High StrangenessHalfway Anywhere's PCT Hiker Survey InformationA Tribute by a Father Who Lost His Son on the PCTAbout that song at the end...Quiet Storm by Alana Jordan Show Sources and MaterialsHalfway Anywhere's Patreon (sign up for FANTASTIC outdoors content - so good in fact that Outdoors Inc. and others have been stealing his work and taking credit)Pacific Crest Trail Horror Stories 2024, HalfwayAnywhere.comThe Cult That Lived Next Door, Jack Neath, Medium.comCreepy Pacific Crest Trail Stories, Ranker.comAnza Borrego's Haunted Desert, DesertUSA.comTrevor's Eternal Trail, Doug Laher, thetrek.coI don't accept sponsors and paid advertisers. I choose people, podcasts and authors I believe in to highlight in the ad segment. That's why I've been shining a spotlight on Derek Condit at Mystical Wares. He is both talented and generous with those gifts. Please give his books a look on the Mystical Wares website.Curious Cat Crew on Socials:Curious Cat on Twitter (X)Curious Cat on InstagramCurious Cat on TikTokArt Director, Nora, has a handmade, ethically-sourced jewelry company!

In this episode of Noob School, I catch up with Scott Millwood, a familiar voice in the Greenville startup scene and co-founder of Founderville, a venture capital fund based right here in Greenville, SC. Scott shares his journey after Datastream, diving into some of the ventures he's led and the successes he's achieved along the way.We spend time discussing his current focus at Founderville. The fund is dedicated to supporting B2B SaaS startups, helping promising companies scale and thrive in today's competitive market. Scott gives insight into his role with the fund, the kinds of startups they look for, and the strategies they've used to foster growth in the Greenville tech ecosystem.Looking ahead, Scott shares exciting plans for the future, including the anticipated launch of Fund II. It's clear that Founderville isn't just a fund—it's a growing part of the Greenville startup community, and Scott's dedication to supporting founders is a big reason for its impact.Throughout the episode, we also touch on investing, entrepreneurship, and the lessons Scott has learned from years of building businesses. Whether you're an aspiring founder, investor, or just curious about the Greenville tech scene, there's a lot to take away from this conversation.Get your sales in rhythm with The Sterling Method: https://SterlingSales.coI'm going to be sharing my secrets on all my social channels, but if you want them all at your fingertips, start with my book, Sales for Noobs: https://amzn.to/3tiaxsLSubscribe to our newsletter today: https://bit.ly/3Ned5kL#SalesTraining #B2BSales #SalesExcellence #SalesStrategy #BusinessGrowth #SalesLeadership #SalesSuccess #SalesCoaching #SalesSkills #SalesInnovation #SalesTips #SalesPerformance #SalesTransformation #SalesTeamDevelopment #SalesMotivation #SalesEnablement #SalesGoals #SalesExpertise #SalesInsights #SalesTrends#salestrends

In this episode of The Tech Leader's Playbook, Avetis Antaplyan sits down with Ari Galper, the world's #1 authority on trust-based selling and creator of the One Call Sale methodology and Ari AI, an AI-powered sales coaching platform built on decades of proven frameworks. Together, they explore why traditional relationship-building and persuasion tactics often fail in today's crowded marketplace—and what tech leaders can do instead.Ari shares how to transition from solution-centric pitching to problem-centric diagnosing, helping prospects see the cost of inaction before presenting a solution. He offers powerful language patterns and mindset shifts that compress long sales cycles into a single conversation, without pressure or chasing leads. Listeners will hear real-world stories, including Ari's personal turning point that inspired him to build a global movement around truth and trust in sales.Whether you're a founder, executive, or sales leader, this episode will help you rethink your approach to business growth—moving from transactional selling to creating deep trust that drives long-term success.TakeawaysTrust-building, not persuasion, is the foundation of modern sales.Stop selling pre-sale—diagnose problems first, like a doctor with a patient.The cost of inaction (COI) is critical: help prospects see the risk of staying with the status quo.Compressing the sales cycle into one call creates clarity and commitment without pressure.Relationship-building pre-sale often backfires; it can put you in the “friend zone.”Avoid using the phrase “follow-up”; ask for feedback instead to uncover the truth.Silence is a powerful tool—let prospects talk first and reveal their core issues.Clarity is the true value you provide, not your product demo or case studies.Create cultural change in sales teams by teaching trust-based frameworks, not scripts.Use trust-based language to keep prospects on your calendar and avoid chasing ghosts.Personal transparency and authenticity—like Ari's lessons from his son Toby—make you more effective.Market to the problems you solve, not your solutions, to stand out in a noisy world.Chapters00:00 Intro & Why Trust-Based Selling Matters in Tech01:30 The Shift: From Product-Centric to Problem-Centric03:15 Cost of Inaction: The Real Sales Trigger04:55 The One Call Sale Framework Explained06:40 Trust vs. Relationship Building08:20 Real Story: Why “Great Meetings” Don't Equal Sales10:40 Diagnosing Over Delivering: Coaching Case Study13:15 Ari's Sales Call Script (Doctor Analogy Breakdown)15:00 The Birth of Ari AI and What Makes It Unique18:00 How Leaders Role-Play and Write Better Emails with AI20:00 Difference Between Fact-Finding and Trust Questions21:40 Never Use “Follow Up” Again Use This Instead24:30 Building Culture Without Falling into the Friend Zone26:20 Sales Teams Need Interventions, Not Programs28:00 Avoiding Bad Business: Qualifying for Urgency30:00 Ari's Aha Moment: The Muted Sales Call That Changed Everything33:30 Why “Being Professional” Still Lost the Deal35:15 Favorite Book: 80/20 Sales & Marketing36:00 Why Ari Writes a New Book Every Quarter37:20 Writing Problem-Centric Cold Emails That Cut Through Noise39:00 Personal Wisdom from Ari's Son, Toby40:10 Final Advice: Trust is the New CurrencyAri Galper's Social Media Links:https://www.linkedin.com/in/arigalper/https://www.youtube.com/@ari_galperhttps://www.instagram.com/ari_galperhttps://x.com/arigalperAri Galper's Website:https://unlockthegame.com/Resources and Links:https://www.hireclout.comhttps://www.podcast.hireclout.comhttps://www.linkedin.com/in/hirefasthireright

Concluye el Desfile por el 215 Aniversario de la IndependenciaFamiliares de personas desaparecidas protestan en AcapulcoEl COI asegura que Israel respeta la Carta OlímpicaMás información en nuestro podcast

In this episode of The Buzz, host Yohanna Baez speaks with Sydney Heimbrock, the Chief Industry Advisor for Public Sector at Qualtrics and co-chair of the ACT-IAC's COI (community of interest) on talent. She shares her extensive career journey, including her transformative experience in the former Soviet Union and her efforts to integrate human-centered design principles into governmental processes. She discusses the importance of collaboration between industry and government, explains human-centered design, and explores the potential impact of AI on federal talent pipelines. Heimbrock emphasizes the value of public service and encourages the next generation of innovators to consider careers in government. Subscribe on your favorite podcast platform to never miss an episode! For more from ACT-IAC, follow us on LinkedIn or visit http://www.actiac.org.Learn more about membership at https://www.actiac.org/join.Donate to ACT-IAC at https://actiac.org/donate. Intro/Outro Music: See a Brighter Day/Gloria TellsCourtesy of Epidemic Sound(Episodes 1-159: Intro/Outro Music: Focal Point/Young CommunityCourtesy of Epidemic Sound)

Financial advisors frequently seek out relationships with Centers Of Influence (COIs) such as accountants and attorneys, but sometimes find that it's hard to get referrals from these professionals. Advisor marketing expert Dan Allison believes this is because COIs fear putting their own reputations on the line and joins the show today to explore how financial advisors can reframe COI relationships by reducing that risk and building real trust over time. Dan is the owner of The Exchange, a virtual content platform and community focused on helping financial advisors master client acquisition and relationship-building. Listen in as he shares how to approach the first COI meeting to set the tone for a high-value relationship, why building credibility often takes months (or even years), and how to use client feedback to reinforce the COI's confidence in making future referrals. We also discuss creating regular touchpoints with COI partners, setting up COI mastermind groups to drive both learning and connection, and how finding partners who already serve your niche clients can lead to deeper, more consistent referral streams. For show notes and more visit: https://www.kitces.com/447

Big Ten Commissioner Tony Petitti wrote a letter to the NCAA's Committee on Infractions asking them to let Michigan go without any further punishment in the Connor Stalions case. That news broke Monday, in a story by Dan Wetzel of ESPN. So why is Petitti coming to the Wolverines' defense, how much will that impact the punishments the COI might ultimately lay out, and why is that story just coming out today?Tony Gerdeman of BuckeyeHuddle.com joins host Tom Orr to discuss all of that and more in this episode of the Buckeyes TomOrrow Morning podcast. 

TheWolverine.com's Anthony Broome, Chris Balas and Clayton Sayfie discuss Michigan football's defensive portal additions and how they factor into the depth chart, the COI hearing and more.(00:00) Intro(00:49) Football Preview Magazine(2:08) Analyzing Michigan's defensive/special teams transfer portal additions(29:12) COI hearing and what's next(33:23) Q&ADon't miss out on The Wolverine's 2025 Michigan Football Preview magazine — it's our annual 160-page glossy yearbook, and this year will be our 37th year of publication. Preorder your copy before June 16 and get free shipping! On3 subscribers get even greater savings. Go online to order at: https://bit.ly/um-showFor podcast listeners ONLY: Use promo code "UM1" at checkout when purchasing a monthly subscription at thewolverine.com to get 2-months for $1! Get all of your Michigan football, basketball and recruiting news on The Wolverine Podcast