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Got a raise or bonus? Don't waste it. In this episode, Miguel Gonzalez, CRC, shares 6 smart ways to turn extra income into long-term financial progress. Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients. #Cortburg #raisetips #bonustips #moneytips #smartmoney #retirementplanning #financialfreedom #budgeting #emergencyfund #payoffdebt #investinyourself #retirementgoals #financialplanning #personaldevelopment #financialadvisor #401k #IRA #CortburgSpeaksRetirement #MiguelXGonzalez #moneymoves Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
Sexual abuse and molestation claims have skyrocketed in recent years, creating significant financial and reputational risks for organizations across various sectors. The numbers are staggering – $651 million in settlements in 2023 alone, with each settlement exceeding $1 million. What's driving this dramatic increase, and how can organizations protect themselves?Michelle Levine, SVP with CRC San Francisco, pulls back the curtain on this critical issue. The traditional assumption that general liability policies provide adequate coverage no longer holds true. Insurance carriers have responded to increasing litigation by cutting limits, non-renewing policies, or explicitly excluding sexual abuse coverage. This shifting landscape necessitates specialized solutions and a stronger risk management approach. While schools and religious institutions represent approximately 70% of claims, the exposure extends to any organization with third-party contact – from wellness centers to gyms to service providers of all kinds. The most effective protection combines comprehensive insurance coverage with proactive risk management – proper hiring practices, consistent training, and creating a culture where concerns can be raised and addressed immediately.Don't wait for a claim to discover your organization's vulnerability. Reach out to your CRC specialty broker today to ensure you have the coverage and risk management tools needed to protect your mission, your finances, and most importantly, the people you serve. Visit REDYIndex.com for critical pricing analysis and a snapshot of the marketplace. Do you want to take your career to the next level? Join #TeamCRC to get access to best-in-class tools, data, exclusive programs, and more! Send your resume to resumes@crcgroup.com today!
In today's episode, we had the pleasure of speaking with Evelyn Y. Wong, MD, about the growing challenge of early-onset colorectal cancer (CRC) and the insights from a recent cohort analysis conducted in Singapore. Dr Wong is a consultant medical oncologist specializing in gastrointestinal cancers at the National Cancer Centre Singapore. In our exclusive interview, Wong discussed the rationale for investigating early-onset CRC, emphasizing the rising incidence worldwide and the need to better understand whether unique molecular or survival patterns distinguish these patients from those with late-onset disease. She reviewed data from approximately 2500 patients in a consented Singaporean cohort, highlighting that molecular characteristics were largely consistent across age groups, but survival outcomes appeared more favorable in younger patients, potentially due to their ability to tolerate more intensive therapies. Additionally, Wong underscored the importance of multicenter and international collaborations to strengthen these findings and advance prospective studies that can more precisely connect molecular features with environmental exposures and epidemiologic drivers. She also emphasized the role of increasing awareness among clinicians, researchers, pharmaceutical partners, and patient advocates to ensure that the unique needs of younger patients with CRC are addressed within the broader oncology community.
Back-to-school season is the perfect time for a financial reset. In this episode, Miguel Gonzalez, CRC, shares smart budgeting moves to clean up summer spending, plan for fall costs, and finish the year strong.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #backtoschool #fallbudget #familyfinances #budgetreset #financialplanning #retirementplanning #personalfinance #moneytips #spendingcheckup #autumnbudgeting #backtoschoolspending #financialgoals #budgetingtips #financialliteracy #CortburgSpeaksRetirement #MiguelXGonzalez #fallreset #subscriptions #holidayspendingWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
In this insightful episode of the Health and Wellness Coach Journal Podcast, Dr. Jessica Singh interviews Neal Sundberg, NBC-HWC, CRC, a recognized leader in health and wellness coaching with over a decade of experience in mental health counseling, coaching, and healthcare innovation. Neal has played key roles at Ginger and Headspace, where he helped scale a 24/7 coaching platform from 500 to more than 8,000 weekly sessions—while enhancing outcomes and the overall member experience. Currently, he serves as Director of Coaching at Brightline, overseeing training and quality for Bright Life Kids, a program that offers free coaching to children aged 0 to 12 living in California. Neal's journey into coaching began with his own search for meaning during a period of mental health challenges in college. Initially pursuing a career in therapy, he earned his master's in counseling but ultimately discovered coaching as a way to support people without the barriers of diagnoses or insurance requirements. At Ginger, he found a space where coaching could meet subclinical needs and empower people to move from surviving to thriving. Together, Dr. Singh and Neal discuss the similarities and differences between therapy and coaching, the opportunities and challenges of working in a startup environment, and the lessons he learned when stepping into leadership roles in the tech-enabled coaching space. Neal also shares his groundbreaking work with children and parents at Bright Life Kids. The conversation also highlights how technology—from scaling platforms to AI-powered tools—can expand access, reduce administrative burdens, and ultimately help coaches do what they love most: coach. Neal's story is a powerful reminder of how curiosity, courage, and compassion can shape not only a career but also the future of health and wellness coaching. His insights offer inspiration for coaches, healthcare professionals, and anyone eager to explore how coaching can transform both individual lives and entire systems of care. For detailed show notes, resources, and information to connect with Neal Sundberg, visit: https://www.centerforhealthandwellnesscoaches.com/blog/health-coaching-in-startups-insights-with-neal-sundberg To be notified of new episodes, subscribe here: https://www.centerforhealthandwellnesscoaches.com/stay-connected Timestamps: 0:00 - Introduction 1:36 - Neal's Journey To Becoming A Coach 4:15 - Exploring Common Ground Between Coaching And Therapy And Understanding Their Differences 7:24 - Neal's Insights On Coaching Leadership In A Start-Up Environment 12:14 - Neal's Experience Coaching Kids 17:51 - Enhancing Coaching Impact Through Technology 22:18 - Takeaways
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
This week episode is a special Book Club episode digging into the brand new book The Costumes of Hollywood with co-authors Coleen Scott & Larry McQueen! We cover Larry's extensive collection, the creation of the book, the importance of preserving Hollywood history and maintaing the legacy of Costume Designers and their teams, advice for Costume Designers on archiving their own pieces and so much more! The Costumes of Hollywood details the design, creation, and influence of over 100 ensembles from some of the most iconic designers, films, and roles in Hollywood history, spanning the 1920s through the early 21st century. All costumes featured are from The Collection of Motion Picture Costume Design, one of the world's largest private collections, curated over thirty-five years by leading Hollywood costume historian and archivist, Larry McQueen. The book presents full costumes on display in addition to close-ups, and rarely seen interior details of some garments. Iconic costumes, including many with Academy Award nominations, from Some Like It Hot, Hello Dolly, Cabaret, Rear Window, Ben Hur, Mildred Pierce, Angel, Masters of the Universe, The Piano, The Hunger Games, and so many others are featured. This book gives the audience a rare and heretofore unpublished insight into what collecting, restoring, and reproducing entails, and highlights differences between private collecting and museum-backed collections. The Costumes of Hollywood details the significance of the designer, costume, and wearer via thorough research, interviews, and Larry McQueen's behind-the-scenes knowledge of collecting and working as an archivist in Hollywood. Within the entertainment field, this book will be of interest to professional costume designers and technicians in film, theatre, and performance, as well as students of film production, history, and costume design and construction. The Costumes of Hollywood will also enrich and entertain anyone with an interest in costume design in film and collecting. — If you want to support me and this podcast, please subscribe to the Patreon - we have tiers starting at just $3 and you will get access to extended cuts of every episode with more even more stories. --- The Costumes of Hollywood: Highlights from The Collection of Motion Picture Costume Design Written by Coleen Scott & Larry McQueen --- Larry McQueen is a leading Hollywood costume historian and archivist. He has held the position of consultant for Camden House Auctioneers, Inc. in Los Angeles; Christie's East, New York: Christie's London; Butterfield and Butterfield Los Angeles/ San Francisco; Entertainment Rarities; and Julien Entertainment. As consultant, he has been responsible for the authentication of film costumes and the estimation of their value. From 1999-2012, Mr. McQueen worked as an archivist with MGM/ UA in creating and maintaining a prop and costume collection of MGM films. In addition, his collection has worked with private estates and costume houses such as Lucille Ball, Jane Withers, Edith Head, Wayne Finkleman, Julie Newmar, Debbie Reynolds, Western Costume Company, Eastern Costume Company, CRC, American Costume Co., and others in researching items and their valuation. Mr. McQueen's private collection of film costumes is one the finest, and consists of over 600 costumes worn in films and television from 1920 to present. Portions of his collection have been exhibited in museums across the globe including the Metropolitan Museum of Art in New York, The Fashion Foundation in Tokyo, and The Victoria and Albert Museum in London. Website: www.filmcostumecollection.com. Coleen Scott is a costume designer and historian with an MFA in Costume Design from Boston University, where she received the Kahn award upon graduation. She has worked for over 25 years in theater, opera, film, and television. She has worked with Academy Award-winning costume designer Ann Roth as well as designers Stephanie Maslansky and Tina Nigro. She frequently works with her creative partner and photographer, Ben Trivett, doing styling, set decoration, and photo tech for celebrity and editorial portrait photography. Coleen taught Costume Production and Makeup for Stage and Studio at Saint Ann's School in Brooklyn, NY for thirteen years. Her book The Costumes of Burlesque was published by Routledge in 2019. She is a proud member of lATSE, USA 829, USITT, and is Chair of The Costume Society of America's Western Region. Coleen is tenured faculty in the Theatre Arts and Fashion Department at Santa Rosa Junior College in California heading the Costume Design, Technology and Makeup programs. Website: www.coleenscottdesign.com. CoH Links: Book Link @ Routledge Website: The Collection of Motion Picture Costume Design Podcast (Apple Podcasts): The Costumes of Hollywood Podcast Podcast (Spotify): The Costumes of Hollywood Podcast Instagram: @CostumesofHollywood --- TFACD Links: Patreon: Tales From A Costume Designer Instagram: @talesfromacostumedesigner Twitter: @talesfromaCD TikTok: @talesfromaCD --- Whitney Anne Adams Links: Website: whitneyadams.com IMDb: Whitney Anne Adams Instagram: @WAACostumeDesign Twitter: @WhitneyAAdams TikTok: @waacostumedesign --- Union Links: Costume Designers Guild IG: @cdglocal892 United Scenic Artists Local 829 IG: @unitedscenicartists IATSE IG: @iatse ---
On this episode of Inside the Music, Derek Delaney, Artistic Director of Capital Region Classical, takes a look into the final string works of Mozart through live CRC performances by the Artemis Quartet, Musicians from Marlboro, and Belcea Quartet.Quartet in B‐flat Major, K. 589LarghettoMenuettoAllegro assaiArtemis Quartet [2/12/2006 performance]Viola Quintet in D Major, K. 593AdagioMenuettoMusicians From Marlboro [2/23/2008 performance]Lily Francis & Yura Lee, violins; Eric Nowlin & Maiya Papach, violas; Marcy Rosen, celloQuartet in F Major, K. 590AndanteMenuettoAllegroBelcea Quartet [10/16/2014 performance]Dive deeper into this episode's repertoire by heading to our YouTube channel for a discussion with some of our audience members about the program.Follow us to stay up to date on the latest from Capital Region Classical including concerts, events, and new episodes of Inside the Music:WebsiteFacebookInstagramYouTube© Capital Region Classical
Rev. John Bothof - Scripture: Psalm 5 Text: Psalm 5
Rev. John Bothof - Scripture: Matthew 13:31-32; Mark 4:30-32; Luke13:18-19 Text: Matthew 13:31-32; Mark 4:30-32; Luke13:18-19
RFK Jr.'s testimony in the Senate Finance Committee is a total sh*t show. RFK didn't mention who was president in 2020. RFK didn't know how many Americans died of COVID. West coast states announced healthcare alliance. Tiny Trump blames AI for window tossing video. Florida Surgeon General announces an end to ALL vaccine mandates, including Polio! Epstein Survivors rallied at the Capitol yesterday. Did Donald order military flyovers to disrupt the rally? Is Jim Comer ratf*cking Donald? ADP reports anemic 54,000 jobs added in August. With Jody Hamilton, David Ferguson, music by Powder Pink and Sweet, Mike Farley, and more! Brought to you by Russ Rybicki, AIF®, CRC®, CSRIC™ Socially & Environmentally Responsible Investing: SRIguy.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
In this episode, Miguel Gonzalez, CRC, breaks down the essential financial, healthcare, and lifestyle factors to consider before retiring in your 50s—or even earlier.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients. #Cortburg #earlyretirement #retirementplanning #retireearly #financialfreedom #healthcareplanning #SocialSecuritytiming #401kwithdrawal #earlyretiree #retirementincome #RothIRA #retireby55 #Medicaregap #retirementbudget #financialadvisor #withdrawalstrategy #lifestyleplanning #retirementsuccess #CortburgSpeaksRetirement #MiguelXGonzalez Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
In today's episode, we spoke with Scott Kopetz, MD, PhD, FACP, about the use of circulating tumor DNA (ctDNA) in patients with colorectal cancer (CRC). Dr Kopetz is the deputy chair for Translational Research and a professor in the Department of Gastrointestinal (GI) Medical Oncology in the Division of Cancer Medicine, as well as the leader of the Department of Cancer Center Support Grant in the GI Program, the TRACTION medical director in the Division of Therapeutics Discovery, and the associate vice president for Translational Integration at The University of Texas MD Anderson Cancer Center in Houston, Texas. In our conversation, Dr Kopetz discussed the high positive predictive value of ctDNA assays, which indicate disease presence when positive. He emphasized clinical trials that have shown strong prognostic implications with this type of assay, as well as study findings that demonstrated that ctDNA results could reduce chemotherapy use without compromising efficacy. Additionally, he noted the potential significance of ongoing trials that are exploring the use of ctDNA to guide therapy. Overall, he explained that ctDNA testing is becoming a standard in clinical practice for colorectal cancer.
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
Pastor John Bothof - Scripture: Psalm 19 Text: Psalm 19
Pastor John Bothof - Scripture: Matthew 13:24-30 Text: Matthew 13:24-30
“I'm Sorry, Dave.” It's not that George Soros was born in 2008 but he became part of the political zeitgeist that year as we learned about how he helped raise a fortune for the Presidential aspirations of a young Senator from Illinois named Barrack. Ever since then the specter of Soros and his money has hung over every discussion about democracy in the United States. Last year he announced that he was stepping back from the day-to-day operations in favor of his son Alex, who he calls far more politically active than he ever was, taking over. The fear in Conservative circles was that a more politically aggressive, more targeted Soros organization at Open society would be harder to even keep up with, never mind defeat. The Soros organization is the key pole underneath the tent of a fundraising machine called Arabella Advisors. They are a philanthropic consulting company that oversees a handful of nonprofits, all of which oversee a multitude of left-leaning projects and organizations. When accounting for the seven nonprofits in the Arabella Network, they provided nearly $1 billion in grants in 2023 alone. One group that has done an exquisite job all the way to the point of publishing a book on who Arabella Advisors are is the Capital Research Center. Kristen Eastlake, Senior Vice President of the CRC sits down with us at the State Policy Network annual meeting to tell us breaking news that George and more importantly Alex Soros may not have the money they used to have. Keep Up With The Daily Signal Sign up for our email newsletters: https://www.dailysignal.com/email Subscribe to our other shows: The Tony Kinnett Cast: https://megaphone.link/THEDAILYSIGNAL2284199939 The Signal Sitdown: https://megaphone.link/THEDAILYSIGNAL2026390376 Problematic Women: https://megaphone.link/THEDAILYSIGNAL7765680741 Victor Davis Hanson: https://megaphone.link/THEDAILYSIGNAL9809784327 Follow The Daily Signal: X: https://x.com/intent/user?screen_name=DailySignal Instagram: https://www.instagram.com/thedailysignal/ Facebook: https://www.facebook.com/TheDailySignalNews/ Truth Social: https://truthsocial.com/@DailySignal YouTube: https://www.youtube.com/dailysignal?sub_confirmation=1 Subscribe on your favorite podcast platform and never miss an episode. Learn more about your ad choices. Visit megaphone.fm/adchoices
What level of proof is required before sounding the alarm? When risks are identified, should they be broadcast widely, or kept within a limited circle? What happens when victims are silenced, ignored, or when abuse is covered up? How can we, as a community, ensure that abuse is never minimized or swept under the rug? What role do journalists, news outlets, and podcasts play in exposing the truth and safeguarding the public? Host: Ari Wasserman, author of the newly published, revised and expanded book Making it Work, on workplace challenges and Halachic Q & A on the Job with Rabbi Yonah Reiss – Av Beis Din of the CRC – 12:24 with Rabbi Yosef Blau – Member of the Baruch Lanner Beis Din and Mashgiach Ruchani at REIT's for almost 50 years – 46:53 with Mrs. Nicole Meyer – advocate against abuse – 1:26:12 with Avi Schick, Esq. – partner at Faegre Drinker international law firm – 1:44:50 Conclusions and takeaways – 2:00:29 Rabbi Berel Wein ZT”L – never published interview – Recalling his first day at work - 2:06:06 מראי מקומות
The school shooting in Minneapolis. We need to come up with a better argument against firearm proliferation. MAGA is blaming the trans community. The Wednesday Night Massacre at the CDC. Four CDC experts resigned over the White House anti-vax position. How RFK Jr. is endangering everybody. RFK on mitochondria? Heroes of Democracy: Former Gov. Roy Cooper; the kid outside the White House the other day; Sandwich Guy; Fed governor Lisa Cook; and the Texas gerrymander! With Jody Hamilton, David Ferguson, music by Powder Pink and Sweet, Brief Nudity, and more! Brought to you by Russ Rybicki, AIF®, CRC®, CSRIC™ Socially & Environmentally Responsible Investing: SRIguy.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.
Worried about market drops in retirement? In this episode, Miguel Gonzalez, CRC, explains how to protect your income, manage withdrawals, and stay on track when volatility hits.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #retirementincome #marketvolatility #marketdownturn #recessionproofretirement #financialplanning #investmentstrategy #retirementplanning #bucketstrategy #withdrawalrate #RothIRA #assetallocation #retirementinvesting #retirementsafety #marketrisk #financialadvisor #protectyourretirement #CortburgSpeaksRetirement #MiguelXGonzalez #stayinvestedWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
AI is changing the way we work—and fast. But beyond the headlines, how are people really using it in the workplace? And how do they feel about it?In this special bonus episode of Invested at Work, host Rodney Bolden checks in with guests from across the season to explore how AI is being adopted on the ground—from equity administration to customer service—and the emotions it's stirring up along the way.Visit MorganStanley.com/atwork for more insights on workplace financial benefits.Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce. Our production partner is Sequel Media Inc.This material is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy.Artificial intelligence (AI) is subject to limitations, and you should be aware that any output from an AI-supported tool or service made available by the Firm for your use is subject to such limitations, including but not limited to inaccuracy, incompleteness, or embedded bias. You should always verify the results of any AI-generated output.The views and opinions expressed herein are those of the speaker and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.Morgan Stanley at Work services are provided by wholly owned subsidiaries of Morgan Stanley.Information contained herein is based on data from multiple sources considered to be reliable and Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no representation as to the accuracy or completeness of data from sources outside of Morgan Stanley.This material may provide the addresses of, or contain hyperlinks to, websites. Except to the extent to which the material refers to website material of Morgan Stanley Wealth Management, the firm has not reviewed the linked site. Equally, except to the extent to which the material refers to website material of Morgan Stanley Wealth Management, the firm takes no responsibility for, and makes no representations or warranties whatsoever as to, the data and information contained therein. Such address or hyperlink (including addresses or hyperlinks to website material of Morgan Stanley Wealth Management) is provided solely for your convenience and information and the content of the linked site does not in any way form part of this document. Accessing such website or following such link through the material or the website of the firm shall be at your own risk and we shall have no liability arising out of, or in connection with, any such referenced website. © 2025 Morgan Stanley Smith Barney LLC. Member SIPC.CRC# 4675136 07/2025Source: Pew Research Center, U.S. Workers Are More Worried Than Hopeful About Future AI Use in the Workplace. 2025.
In this episode How did Turkish HRC, CRC and HDG exports develop in the first half? What are the expectations for 4Q shipments and pricing? How could Turkey offset a potential drop in EU exports with CBAM on the horizon? Learn more about Argus Global Steel here: https://www-preview.web.argusmedia.tech/en/solutions/products/argus-global-steel?utm_source=marketo&utm_medium=organic&utm_campaign=glo-gmtc-met-2025-06-25-metal-movers-podcast-series&utm_content=productinformation-podcast-ad
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
Full article: CT Colonography for Colorectal Cancer Screening and Prevention: 20-Year Programmatic Experience at a U.S. Academic Medical Center CT colonography (CTC) serves as an important noninvasive test for colorectal cancer (CRC) screening, although its implementation has faced challenges. Jordan Kondo, MD, discusses the AJR article by Pickhardt et al. reporting one center's experience from 15,431 CTC examinations performed over a 20-year period.
On this week's episode, Derek explores Mozart's late masterworks, the Clarinet Quintet and Symphony No. 40. He delves into live CRC performances by clarinetist Todd Palmer and friends and the Camerata Ireland.Clarinet Quintet in A Major, K. 581LarghettoMenuettoAllegretto con VariazioniTodd Palmer, clarinet; Catherine Cho & Ruggero Allifranchini, violins; Daniel Panner, viola; Alexis Pia Gerlach, cello [2/25/2001 performance]Symphony No. 40 in G Minor, K. 550Molto allegroAndanteMenuettoFinale: Allegro assaiCamerata IrelandBarry Douglas, conductor [10/27/2001 performance]Dive deeper into this episode's repertoire by heading to our YouTube channel for a discussion with some of our audience members about the program.Follow us to stay up to date on the latest from Capital Region Classical including concerts, events, and new episodes of Inside the Music:WebsiteFacebookInstagramYouTube© Capital Region Classical
Rev. John Bothof - Scripture: Psalm 56 Text: Psalm 56
Rev. John Bothof - Scripture: Acts 14:19-28 Text: Acts 14:19-28
Inflation is one of the biggest threats to retirement bug it's often overlooked. In this episode, Miguel Gonzalez, CRC, shares how rising costs impact retirees and how to protect your income with smart planning.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #retirementplanning #inflation #retirementincome #costofliving #financialplanning #retirementstrategy #healthcarecosts #purchasingpower #COLA #TIPS #retirementrisks #financialadvisor #SocialSecurity #longtermcare #dividendstocks #investingforretirement #CortburgSpeaksRetirement #MiguelXGonzalez #personalfinanceWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Adam Rasmussen PhD with Arizona Christian University and the Cultural Research Center joins to share the CRC's latest research. It's a good news bad news for Alabama!
At the beginning of August, Trump took to social media and informed the world he had instructed the Department of Commerce to immediately begin work on “a new and highly accurate CENSUS based on modern day facts and figures and, importantly, using the results and information gained from the Presidential Election of 2024.” Most notably, he wrote, “People who are in our Country illegally WILL NOT BE COUNTED IN THE CENSUS.” If Trump has his way, it will have significant repercussions on how Congressional districts could be drawn, even as Texas leads the pack and has already approved a new congressional map – leading to a very public walkout by Texas Senate Democrats and CA Gov Gavin Newsom's retaliatory threat to redraw California's congressional map. There's also a SCOTUS angle here, as the Supreme Court squashed the citizenship question pertaining to the 2020 census when it came up in 2019. Now, CRC has learned that some hefty lefty funding is going into an effort to push a narrative on the census that runs counter to the Trump administration's and is designed to last for the next 10 years to cover the 2030 census. And one prominent name in the mix is our old friend The Funders Committee for Civic Participation. Here to discuss are my colleagues, Mike Watson, and the President of CRC, Scott Walter. Funder's Committee 10-year plan to influence the 2030 CensusMike Gonzalez explains why the Census should include the citizenship questionSome thoughts on the gerrymandering warsCensus Bureau Errors Distort Congressional Representation for the StatesFunder's Committee members listFunders Committee for Civic Participation (FCCP)
In this episode we speak with Bert Adema, Executive Director of Indigenous Christian Fellowship in Regina, Saskatchewan. Bert shares about 32 years of ministry, fostering a vibrant community by addressing spiritual and social needs. He emphasizes an incarnational approach, tackling the "messiness" of the world and advocating for right relations, not just reconciliation. Bert also reflects on finding hope and abundance amidst scarcity, powered by prayer, community, and trusting God's provision."If you're sitting there and you have no hope at all, you're really, really in a difficult situation. I think prayer is really, really important. And then when we pray in community... we say, 'What can we do together?'"Links:Indigenous Christian Fellowship: https://icfregina.ca/home CRC's Indigenous Ministry: https://www.crcna.org/indigenousTranscript: https://www.crcna.org/do-justice/bert-adema-gifts-gardens-and-good-samaritans
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
Mr. Schering - Scripture: John 3:1-17, Mark 15:42,43 Text: John 3:1-17, Mark 15:42,43
Mr. Matthew Wright - Scripture: Luke 15:11-32 Text: Luke 15:11-32
*Content warning: distressing topics, suicidal ideation, disability abuse, religious and cultic abuse, sexual abuse and rape of a child, physical violence of children, institutional child abuse, childhood trauma, attack therapy, therapeutic abuse, grooming. *Free + Confidential Resources + Safety Tips: somethingwaswrong.com/resources *SWW S23 Theme Song & Artwork: The S24 cover art is by the Amazing Sara Stewart Follow Something Was Wrong: Website: somethingwaswrong.com IG: instagram.com/somethingwaswrongpodcast TikTok: tiktok.com/@somethingwaswrongpodcast Follow Tiffany Reese: Website: tiffanyreese.me IG: instagram.com/lookieboo *Sources Armentak, Maria, "Acadia Healthcare to Buy CRC Health Group in $1.18B Deal." The Wall Street Journal, October 29, 2014 https://tinyurl.com/4za5wve3 Announcing Sedona Sky Academy, "Announcing Sedona Sky Academy." Strugglingteens.com, April 16, 2014 https://strugglingteens.com/artman/publish/printer_SedonaSkyAcademyBN Arizona Corporation Commission https://www.azcc.gov/ “Ashley's Copper Canyon Academy Testimony”, Unsilenced, 2010-2011 https://www.unsilenced.org/ashleys-testimony-copper-canyon-academy-2010-2011/ Hobbins, Mark, "Aspen Education Group Announces Acquisition of Copper Canyon Academy in Arizona." Strugglingteens.com, November 6, 2002 https://strugglingteens.com/news/aspenacquirescoppercanyon "Aspen Sold to CRC." Los Angeles Business Journal, September 28, 2006 https://labusinessjournal.com/news/aspen-sold-to-crc/ “Auldern Academy.” Strugglingteens.com, March 29, 2010 https://strugglingteens.com/artman/publish/AuldernAcademy “Bates v. Sequel Youth and Family Services LLC et al, No. 2:2023cv01063 - Document 25 (N.D. Ala. 2024).” Justia U.S. Law, July 5, 2024 https://law.justia.com/cases/federal/district-courts “COPPER CANYON ACADEMY.” NPI https://tinyurl.com/nhfzc9sn “Copper Canyon Academy – Sedona Sky Academy.” Unsilenced https://www.unsilenced.org/program-archive/us-programs/arizona/copper-canyon-academy-sedona-sky-academy/ “Cottonwood Man Found Guilty by Jury of Multiple Counts of Sexual Exploitation of a Minor” https://tinyurl.com/yc2zw2ha CRC Health Group, "CRC Health Group to be Acquired by Acadia Healthcare." PR Newswire, October 29, 2014 https://tinyurl.com/z6htn57d Craft, Will, "Embattled Sequel closes three more facilities." APM Reports, February 10, 2021 https://www.apmreports.org/story/2021/02/10/embattled-sequel-closes-three-more-facilities EmotiCare https://www.emoticare.com/about Fox Graham, Christopher, “Ex-teacher sentenced to 50 years for sex crimes, embezzlement and fleeing before trial.” Journal AZ, September 12, 2023 https://journalaz.com/2023/09/12/ex-teacher-sentenced-to-50-years-for-sex-crimes-embezzlement-and-fleeing-before-trial/ “Former Arizona teacher sentenced to 50 years in prison for sexual exploitation of a minor.” KTAR News, September 7, 2023 https://tinyurl.com/5n7a69yv Reagan, Kevin, “Former Arizona teacher who fled to Ireland sentenced to prison for exploiting minor.” ABC12 News, September 6, 2023 https://tinyurl.com/yc6h4ttc Pitcher, Autumn, “Former Lakeside Academy workers sentenced to probation for teen's restraint death.” News Channel 3, December 19, 2023 https://wwmt.com/news/local/lakeside-academy LAKE MONTEZUMA RTC, LLC, NPI https://tinyurl.com/4nkr9kut O'Grady, Eileen, "The Kids Are Not Alright: How Private Equity Profits Off of Behavioral Health Services for Vulnerable and At-Risk Youth", Private Equity Stakeholder Project, February, 2022 https://pestakeholder.org/wp-content/uploads/2022/02/ Julie Sheppard & Leadership Team, "Sedona Sky Academy Exciting Leadership Announcement." Mental Health Awareness.com https://tinyurl.com/nda6j688 SEDONA SKY OPCO LLC, NPI https://tinyurl.com/mrfha8j2 Gilbert, Curtis, “Sequel confronts more abuse allegations amid concerns about its finances.” APM Reports, May 21, 2021 https://tinyurl.com/42bx6p2a Three Springs Acquired By Sequel Youth And Family Services, "Three Springs Acquired By Sequel Youth And Family Services." Strugglingteens.com, January 2, 2010 https://strugglingteens.com/artman/publish/printer_SequelYouthFamilyBN_010210.shtml "Staff list for the Three Springs "Family" of Programs/Services." Heal-Online.org https://www.heal-online.org/threestaff.html Gilbert, Curtis, "Under scrutiny, company that claimed to help troubled youth closes many operations and sells others." APM Reports, April 26, 2022 https://tinyurl.com/rnehtr5u
*Content warning: distressing topics, suicidal ideation, disability abuse, religious and cultic abuse, sexual abuse and rape of a child, physical violence of children, institutional child abuse, childhood trauma, attack therapy, therapeutic abuse, grooming. *Free + Confidential Resources + Safety Tips: somethingwaswrong.com/resources *SWW S23 Theme Song & Artwork: The S24 cover art is by the Amazing Sara Stewart Follow Something Was Wrong: Website: somethingwaswrong.com IG: instagram.com/somethingwaswrongpodcast TikTok: tiktok.com/@somethingwaswrongpodcast Follow Tiffany Reese: Website: tiffanyreese.me IG: instagram.com/lookieboo *Sources Armentak, Maria, "Acadia Healthcare to Buy CRC Health Group in $1.18B Deal." The Wall Street Journal, October 29, 2014 https://tinyurl.com/4za5wve3 Announcing Sedona Sky Academy, "Announcing Sedona Sky Academy." Strugglingteens.com, April 16, 2014 https://strugglingteens.com/artman/publish/printer_SedonaSkyAcademyBN Arizona Corporation Commission https://www.azcc.gov/ “Ashley's Copper Canyon Academy Testimony”, Unsilenced, 2010-2011 https://www.unsilenced.org/ashleys-testimony-copper-canyon-academy-2010-2011/ Hobbins, Mark, "Aspen Education Group Announces Acquisition of Copper Canyon Academy in Arizona." Strugglingteens.com, November 6, 2002 https://strugglingteens.com/news/aspenacquirescoppercanyon "Aspen Sold to CRC." Los Angeles Business Journal, September 28, 2006 https://labusinessjournal.com/news/aspen-sold-to-crc/ “Auldern Academy.” Strugglingteens.com, March 29, 2010 https://strugglingteens.com/artman/publish/AuldernAcademy “Bates v. Sequel Youth and Family Services LLC et al, No. 2:2023cv01063 - Document 25 (N.D. Ala. 2024).” Justia U.S. Law, July 5, 2024 https://law.justia.com/cases/federal/district-courts “COPPER CANYON ACADEMY.” NPI https://tinyurl.com/nhfzc9sn “Copper Canyon Academy – Sedona Sky Academy.” Unsilenced https://www.unsilenced.org/program-archive/us-programs/arizona/copper-canyon-academy-sedona-sky-academy/ “Cottonwood Man Found Guilty by Jury of Multiple Counts of Sexual Exploitation of a Minor” https://tinyurl.com/yc2zw2ha CRC Health Group, "CRC Health Group to be Acquired by Acadia Healthcare." PR Newswire, October 29, 2014 https://tinyurl.com/z6htn57d Craft, Will, "Embattled Sequel closes three more facilities." APM Reports, February 10, 2021 https://www.apmreports.org/story/2021/02/10/embattled-sequel-closes-three-more-facilities EmotiCare https://www.emoticare.com/about Fox Graham, Christopher, “Ex-teacher sentenced to 50 years for sex crimes, embezzlement and fleeing before trial.” Journal AZ, September 12, 2023 https://journalaz.com/2023/09/12/ex-teacher-sentenced-to-50-years-for-sex-crimes-embezzlement-and-fleeing-before-trial/ “Former Arizona teacher sentenced to 50 years in prison for sexual exploitation of a minor.” KTAR News, September 7, 2023 https://tinyurl.com/5n7a69yv Reagan, Kevin, “Former Arizona teacher who fled to Ireland sentenced to prison for exploiting minor.” ABC12 News, September 6, 2023 https://tinyurl.com/yc6h4ttc Pitcher, Autumn, “Former Lakeside Academy workers sentenced to probation for teen's restraint death.” News Channel 3, December 19, 2023 https://wwmt.com/news/local/lakeside-academy LAKE MONTEZUMA RTC, LLC, NPI https://tinyurl.com/4nkr9kut O'Grady, Eileen, "The Kids Are Not Alright: How Private Equity Profits Off of Behavioral Health Services for Vulnerable and At-Risk Youth", Private Equity Stakeholder Project, February, 2022 https://pestakeholder.org/wp-content/uploads/2022/02/ Julie Sheppard & Leadership Team, "Sedona Sky Academy Exciting Leadership Announcement." Mental Health Awareness.com https://tinyurl.com/nda6j688 SEDONA SKY OPCO LLC, NPI https://tinyurl.com/mrfha8j2 Gilbert, Curtis, “Sequel confronts more abuse allegations amid concerns about its finances.” APM Reports, May 21, 2021 https://tinyurl.com/42bx6p2a Three Springs Acquired By Sequel Youth And Family Services, "Three Springs Acquired By Sequel Youth And Family Services." Strugglingteens.com, January 2, 2010 https://strugglingteens.com/artman/publish/printer_SequelYouthFamilyBN_010210.shtml "Staff list for the Three Springs "Family" of Programs/Services." Heal-Online.org https://www.heal-online.org/threestaff.html Gilbert, Curtis, "Under scrutiny, company that claimed to help troubled youth closes many operations and sells others." APM Reports, April 26, 2022 https://tinyurl.com/rnehtr5u
In this special episode of The Data Minute, Peter sits down with Dave Chen, Co-Head of Global Technology Investment Banking at Morgan Stanley, for a tactical deep dive on how today's founders should think about going public.Dave shares what IPO prep really looks like in 2025 and beyond, why the best companies start working with bankers 2–3 years ahead of a listing, how institutional investors actually evaluate growth-stage companies, and which metrics every founder needs to start tracking long before they file a public S-1. He also breaks down the difference between “lean in” and “sobering” market windows, how valuation strategy works behind the scenes, and what happens in the high-pressure decision days right before a public debut.If you're leading an aspirational company, or running growth-stage finance, this is the IPO playbook you've been waiting for.Subscribe to Carta's weekly Data Minute newsletter: https://carta.com/subscribe/data-newsletter-sign-up/Explore interactive startup and VC data, with Carta's Data Desk: https://carta.com/data-desk/Chapters:01:12 – Dave Chen's path from pre-med to tech investment banking02:53 – The enduring founder journey from startup to IPO04:16 – IPO timelines have changed06:21 – How scale has shifted in the public markets07:28 – Is there still room for smaller IPOs?08:31 – Lean in vs. sober & clinical10:03 – Why companies now engage banks years before IPO12:00 – How founders can gauge IPO readiness13:08 – Building investor relationships years ahead of a roadshow14:34 – What happens when the IPO timeline shifts16:11 – 2024 recap: What happened, and what didn't, in tech IPOs17:32 – The real reason we didn't see more IPOs18:44 – Private capital changed the game for late-stage companies20:01 – The rise of structured late-stage rounds21:03 – How growth + downside protection are unlocking new deals22:53 – Why public investors love private exposure early23:06 – Does IPO prep differ for tech vs. non-tech companies?24:15 – 2–3 years out: What founders should focus on first25:13 – Most teams don't optimize metrics correctly26:02 – The management team matters before and after the IPO27:26 – Designing a board that adds real support28:12 – Why predictable revenue matters pre-IPO29:34 – The fuel founders need to operate like a public company30:53 – The small M&A move that delayed an IPO by six months33:14 – Biggest mistake? Letting the IPO process control you35:15 – The point of no return36:32 – How banks help guide IPO valuation strategy38:15 – What to do when you don't have direct comps40:01 – Getting credit for your company's future performance43:28 – Should you raise the price range?44:26 – Press coverage and the IPO signal vs. noise45:19 – Start IPO readiness years before you need itThis presentation contains general information only and eShares, Inc. dba Carta, Inc. (“Carta”) is not, by means of this publication, rendering accounting, business, financial, investment, legal, tax, or other professional advice or services, and is for informational purposes only. This presentation is not a substitute for such professional advice or services nor should it be used as a basis for any decision or action that may affect your business or interests. © 2025 eShares, Inc., dba Carta, Inc. All rights reserved. Initial public offerings (IPOs) and secondary offering suitability requirements apply. There is no guarantee of receiving IPO shares. Please be advised that public offerings are not suitable for all investors. IPOs are highly volatile and risky and should not be considered by investors with conservative investment objectives or low tolerance for risk. CRC 4745633 (08/2025)
Retirement expenses go far beyond housing and travel. In this episode, Miguel Gonzalez, CRC, reveals the most overlooked retirement costs—like medical bills, taxes, and inflation—and how to plan for them now.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.#Cortburg #retirementplanning #retirementcosts #hiddenexpenses #retirementstrategy #financialplanning #healthcarecosts #RMDs #inflationrisk #SocialSecuritytaxes #retirementbudget #financialadvisor #Medicare #longtermcare #homeexpenses #familyfinances #retirementincome #moneytips #CortburgSpeaksRetirement #MiguelXGonzalezWelcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Almost everyone can look at the education landscape in America today and see that something has gone very, very wrong. Spending per student has increased, and there is no evidence that this increased spending has improved student performance outcomes. But what if there are factors eating up the budget and keeping the student performance outcomes stagnant? Factors such as the rise of teachers unions in non-right-to-work states, for example?Joining us today is Corey DeAngelis, a school choice evangelist who is a senior fellow at the American Culture Project, to discuss a recently released report he helped author that looks at just that, the administrative bloat in the public school system and how it correlates to increased teacher union influence. Also joining is CRC colleague Mike Watson, our regular host and resident labor union expert. Corey A. DeAngelis is a senior fellow at the American Culture Project. He has been labeled the “school choice evangelist” and called “the most effective school choice advocate since Milton Friedman.” He is a regular on Fox News and frequently appears in The Wall Street Journal. DeAngelis is also the executive director at Educational Freedom Institute, a senior fellow at Reason Foundation, an adjunct scholar at Cato Institute, a board member at Liberty Justice Center, and a senior advisor at Accuracy in Media. He holds a Ph.D. in education policy from the University of Arkansas. He is the national bestselling author of The Parent Revolution: Rescuing Your Kids from the Radicals Ruining Our Schools (Center Street, 2024).Links: Educational Bloat and the Role of UnionsCorey DeAngelis - XEducation FirstWhere Is, Repeat Where Is, America's Political Leadership? The World Wonders.American Culture Project
Equity compensation can be a powerful tool to engage and motivate employees, but only when they understand its value. With over 25 years of experience in stock plan administration, Christine Zwerling, Head of Stock Administration at Asana, shares insights for HR leaders looking to make equity work harder for their teams. In this episode of Invested at Work, host Rodney Bolden speaks with Christine about how equity compensation can be a key lever for culture and connection. Christine shares how Asana's approach ties equity compensation to corporate goals, how employee understanding of equity evolves over time and why clear communication is key to maximizing its value. They also discuss common misconceptions about equity, the disconnect between how HR and employees perceive its value, and how strong equity plans can support both business performance and employee well-being.Visit MorganStanley.com/atwork for more insights on workplace financial benefits. Visit Asana.com to learn more about the workplace management tool that is Asana. Invested at Work is brought to you by Morgan Stanley at Work, hosted by Rodney Bolden. Our executive producers are Fiona Kelsey and Lisa Boyce. Our production partner is Sequel Media Inc.The guest speaker is neither an employee nor affiliated with Morgan Stanley Smith Barney LLC. Opinions expressed by the guest speaker are solely his or her own and do not necessarily reflect those of Morgan Stanley Smith Barney LLC.This material is not a solicitation of any offer to buy or sell any security or other financial instrument or to participate in any trading strategy. Past performance is no guarantee of future results.This material has been prepared for educational purposes only. The views, opinions or advice contained within this presentation are solely those of the presenter, who is not affiliated with Morgan Stanley, and do not necessarily reflect those of Morgan Stanley or its affiliates. Morgan Stanley makes no representation regarding the accuracy of any statements made by the presenter. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.This material may provide the addresses of, or contain hyperlinks to, websites. Morgan Stanley is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the websites. Except to the extent to which the material refers to website material of Morgan Stanley Wealth Management, the firm has not reviewed the linked site. Equally, except to the extent to which the material refers to website material of Morgan Stanley Wealth Management, the firm takes no responsibility for, and makes no representations or warranties whatsoever as to, the data and information contained therein. Such address or hyperlink (including addresses or hyperlinks to website material of Morgan Stanley Wealth Management) is provided solely for your convenience and information and the content of the linked site does not in any way form part of this document. Accessing such website or following such link through the material or the website of the firm shall be at your own risk and we shall have no liability arising out of, or in connection with, any such referenced website. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.Diversification does not guarantee a profit or protect against loss in a declining financial market.Artificial intelligence (AI) is subject to limitations, and you should be aware that any output from an AI-supported tool or service made available by the Firm for your use is subject to such limitations, including but not limited to inaccuracy, incompleteness, or embedded bias. You should always verify the results of any AI-generated output.Information contained herein is based on data from multiple sources considered to be reliable and Morgan Stanley Smith Barney LLC (“Morgan Stanley”) makes no representation as to the accuracy or completeness of data from sources outside of Morgan Stanley.NOT ALL PRODUCTS AND SERVICES ARE AVAILABLE IN ALL JURISDICTIONS OR COUNTRIES. Content and services available to non-US participants may be different than those available to US participants. Employee stock plan solutions are offered by E*TRADE Financial Corporate Services, Inc., Solium Capital LLC, Solium Plan Managers LLC and Morgan Stanley Smith Barney LLC (“MSSB”), which are part of Morgan Stanley at Work. Morgan Stanley at Work services and stock plan accounts are provided by wholly owned subsidiaries of Morgan Stanley. Morgan Stanley at Work stock plan accounts were previously referred to as Shareworks, StockPlan Connect or E*TRADE stock plan accounts, as applicable. In connection with stock plan solutions offered by Morgan Stanley at Work, securities products and services are offered by MSSB, Member SIPC. E*TRADE from Morgan Stanley is a registered trademark of MSSB. All entities are separate but affiliated subsidiaries of Morgan Stanley. CRC# 4618423 07/2025
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
On this week's episode, Derek continues to explore the works of Mozart, this time the set of string quartets dedicated to Haydn, through live CRC performances by the Dover, Takács, and Ebène quartets.Quartet in B‐flat Major, K. 458 HuntAllegro vivace assaiMenuettoDover Quartet [2/28/2016 performance]Quartet in D Minor, K. 421MenuettoAllegretto ma non troppoTakács Quartet [1/28/2001 performance]Quartet in E‐flat Major, K. 428Andante con motoMenuettoAllegro vivaceEbène Quartet [11/13/2014 performance]Dive deeper into this episode's repertoire by heading to our YouTube channel for a discussion with some of our audience members about the program.Follow us to stay up to date on the latest from Capital Region Classical including concerts, events, and new episodes of Inside the Music:WebsiteFacebookInstagramYouTube© Capital Region Classical
Not sure when to claim Social Security? In this episode, Miguel Gonzalez, CRC, explains the pros and cons of taking benefits at 62, full retirement age, or 70—so you can make the smartest choice for your retirement.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Deborah Conroy, DuPage County board chair, and Adam Forker, executive director of the DuPage County Health Department, join Lisa Dent to discuss the crisis recovery center that’s opening in late August. The CRC will serve as an accessible, trauma-informed hub where residents in crisis can stabilize and connect with critical community resources.
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
Today's guest is Kelly Rice, MSHI, BSN, RN, CCDS, CDIP, CCS, CRC, CDI education specialist at HCPro/ACDIS. Today's show is hosted by ACDIS Director Rebecca Hendren. Our intro and outro music for the ACDIS Podcast is “medianoche” by Dee Yan-Kay and our ad music is “Take Me Higher” by Jahzzar, both obtained from the Free Music Archive. Have questions about today's show or ideas for a future episode? Contact the ACDIS team at info@acdis.org. Want to submit a question for a future "listener questions" episode? Fill out this brief form! CEU info: Each ACDIS Podcast episode now offers 0.5 ACDIS CEU which can be used toward recertifying your CCDS or CCDS-O credential for those who listen to the show in the first four days from the time of publication. To receive your 0.5 CEU, go to the show page on acdis.org, by clicking on the “ACDIS Podcast” link located under the “Free Resources” tab. To take the evaluation, click the most recent episode from the list on the podcast homepage, view the podcast recording at the bottom of that show page, and click the live link at the very end after the music has ended. Your certificate will be automatically emailed to you upon submitting the brief evaluation. (Note: If you are listening via a podcast app, click this link to go directly to the show page on acdis.org: https://acdis.org/acdis-podcast/clinical-deep-dive-sepsis-0) Note: To ensure your certificate reaches you and does not get trapped in your organization's spam filters, please use a personal email address when completing the CEU evaluation form. The cut-off for today's episode CEU is Sunday, August 3, 2025, at 11:00 p.m. Eastern. After that point, the CEU period will close, and you will not be eligible for the 0.5 CEU for this week's episode. Today's sponsor: Today's show is brought to you by ACDIS Encore: Clinical & Coding Online, a special virtual event featuring sessions recorded live during the 2025 ADCIS conference—the entire Clinical & Coding track, happening August 12-14, 2025. Learn more and register here: https://bit.ly/3SKItN6 ACDIS update: Read more about our recent sepsis-related articles and resources! (http://bit.ly/3TZ4bO9) Submit an article for the September/October edition of the CDI Journal, focused on how CDI impacts all areas of healthcare, by Friday, August 1! (https://www.surveymonkey.com/r/CDI-journal) Apply to join the ACDIS CDI Leadership Council for the 2025/2026 term by August 31! (https://www.surveymonkey.com/r/2025-2026-Council-application) Subscribe to CDI Strategies, ACDIS' free weekly eNewsletter, to stay in the loop about all things CDI and ACDIS! (https://acdis.org/sign-cdi-strategies)
Tax diversification gives you the power to manage taxes in retirement more efficiently. In this episode, Miguel Gonzalez, CRC, breaks down the three tax buckets and how to strategically withdraw income for long-term tax savings.Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.Welcome to Cortburg Speaks Retirement Podcast with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC® CLICK HERE TO LISTEN TO MIGUEL'S LATEST PODCAST FOLLOW US ON: YouTube->https://m.youtube.com/c/CORTBURGRETIREMENTADVISORS Facebook-> https://m.facebook.com/CortburgInc Twitter-> https://twitter.com/CortburgInc LinkedIn->https://www.linkedin.com/in/miguelxgonzalez/ Website: www.CortburgRetirement.com Email: Miguel@CortburgRetirement.com
Join and Support us on Substack: https://themessyreformation.com/ Check out the Abide Project: https://www.abideproject.org We love the Christian Reformed Church; we want to see reformation in our denomination; and we recognize that reformation is typically messy. So, we're having conversations with pastors throughout the CRC about what reformation might look like. Intro Music by Matt Krotzer
The incidence of early onset colorectal cancer (EOCRC) has been rising prompting the change in change in screening guidelines to 45 years of age for average risk patients. Join us for an in-depth discussion with guest speakers Dr. Andrea Cercek and Dr. Nancy You, where we provide a comprehensive look at the growing challenge of EOCRC. Hosts: - Dr. Janet Alvarez - General Surgery Resident at New York Medical College/Metropolitan Hospital Center - Dr. Wini Zambare – General Surgery Resident at Weill Cornell Medical Center/New York Presbyterian - Dr. Phil Bauer, Graduating Colorectal Surgical Oncology Fellow at Memorial Sloan Kettering Cancer Center - Dr. J. Joshua Smith MD, PhD, Chair, Department of Colon and Rectal Surgery at MD Anderson Cancer Center - Dr. Andrea Cercek - Gastrointestinal Medical Oncologist at Memorial Sloan Kettering Cancer Center - Dr. Y. Nancy You, MD MHSc - Professor, Department of Colon and Rectal Surgery at MD Anderson Cancer Center Learning objectives: - Describe trends in incidence of colorectal cancer, with emphasis on the rise of EOCRC. - Identify age groups and demographics most affected by EOCRC. - Summarize USPSTF recommendations for colorectal cancer screening. - Distinguish between screening methods (e.g., colonoscopy, FIT-DNA) and their sensitivity. - Understand treatment approaches for colon and rectal cancer (CRC) - Understand the role of mismatch repair (MMR) status in guiding treatment. - Outline the importance of genetic counseling and testing in young patients. - Discuss racial, ethnic, and socioeconomic disparities in CRC incidence and outcomes. - Describe the impact of cancer treatment on fertility and sexual health. - Review fertility preservation options. - Identify the value of integrated care teams for young CRC patients. References: 1. Siegel, R. L. et al. Colorectal Cancer Incidence Patterns in the United States, 1974–2013. JNCI J. Natl. Cancer Inst. 109, djw322 (2017). https://pubmed.ncbi.nlm.nih.gov/28376186/ 2. Abboud, Y. et al. Rising Incidence and Mortality of Early-Onset Colorectal Cancer in Young Cohorts Associated with Delayed Diagnosis. Cancers 17, 1500 (2025). https://pubmed.ncbi.nlm.nih.gov/40361427/ 3. Phang, R. et al. Is the Incidence of Early-Onset Adenocarcinomas in Aotearoa New Zealand Increasing? Asia Pac. J. Clin. Oncol.https://pubmed.ncbi.nlm.nih.gov/40384533/ 4. Vitaloni, M. et al. Clinical challenges and patient experiences in early-onset colorectal cancer: insights from seven European countries. BMC Gastroenterol. 25, 378 (2025). https://pubmed.ncbi.nlm.nih.gov/40375142/ 5. Siegel, R. L. et al. Global patterns and trends in colorectal cancer incidence in young adults. (2019) doi:10.1136/gutjnl-2019-319511. https://pubmed.ncbi.nlm.nih.gov/31488504/ 6. Cercek, A. et al. A Comprehensive Comparison of Early-Onset and Average-Onset Colorectal Cancers. J. Natl. Cancer Inst. 113, 1683–1692 (2021). https://pubmed.ncbi.nlm.nih.gov/34405229/ 7. Zheng, X. et al. Comprehensive Assessment of Diet Quality and Risk of Precursors of Early-Onset Colorectal Cancer. JNCI J. Natl. Cancer Inst. 113, 543–552 (2021). https://pubmed.ncbi.nlm.nih.gov/33136160/ 8. Standl, E. & Schnell, O. Increased Risk of Cancer—An Integral Component of the Cardio–Renal–Metabolic Disease Cluster and Its Management. Cells 14, 564 (2025). https://pubmed.ncbi.nlm.nih.gov/40277890/ 9. Muller, C., Ihionkhan, E., Stoffel, E. M. & Kupfer, S. S. Disparities in Early-Onset Colorectal Cancer. Cells 10, 1018 (2021). https://pubmed.ncbi.nlm.nih.gov/33925893/ 10. US Preventive Services Task Force. Screening for Colorectal Cancer: US Preventive Services Task Force Recommendation Statement. JAMA 325, 1965–1977 (2021). https://pubmed.ncbi.nlm.nih.gov/34003218/ 11. Fwelo, P. et al. Differential Colorectal Cancer Mortality Across Racial and Ethnic Groups: Impact of Socioeconomic Status, Clinicopathology, and Treatment-Related Factors. Cancer Med. 14, e70612 (2025). https://pubmed.ncbi.nlm.nih.gov/40040375/ 12. Lansdorp-Vogelaar, I. et al. Contribution of Screening and Survival Differences to Racial Disparities in Colorectal Cancer Rates. Cancer Epidemiol. Biomarkers Prev. 21, 728–736 (2012). https://pubmed.ncbi.nlm.nih.gov/22514249/ 13. Ko, T. M. et al. Low neighborhood socioeconomic status is associated with poor outcomes in young adults with colorectal cancer. Surgery 176, 626–632 (2024). https://pubmed.ncbi.nlm.nih.gov/38972769/ 14. Siegel, R. L., Wagle, N. S., Cercek, A., Smith, R. A. & Jemal, A. Colorectal cancer statistics, 2023. CA. Cancer J. Clin. 73, 233–254 (2023). https://pubmed.ncbi.nlm.nih.gov/36856579/ 15. Jain, S., Maque, J., Galoosian, A., Osuna-Garcia, A. & May, F. P. Optimal Strategies for Colorectal Cancer Screening. Curr. Treat. Options Oncol. 23, 474–493 (2022). https://pubmed.ncbi.nlm.nih.gov/35316477/ 16. Zauber, A. G. The Impact of Screening on Colorectal Cancer Mortality and Incidence: Has It Really Made a Difference? Dig. Dis. Sci. 60, 681–691 (2015). https://pubmed.ncbi.nlm.nih.gov/25740556/ 17. Edwards, B. K. et al. Annual report to the nation on the status of cancer, 1975-2006, featuring colorectal cancer trends and impact of interventions (risk factors, screening, and treatment) to reduce future rates. Cancer 116, 544–573 (2010). https://pubmed.ncbi.nlm.nih.gov/19998273/ 18. Cercek, A. et al. Nonoperative Management of Mismatch Repair–Deficient Tumors. New England Journal of Medicine 392, 2297–2308 (2025). https://pubmed.ncbi.nlm.nih.gov/40293177/ 19. Monge, C., Waldrup, B., Carranza, F. G. & Velazquez-Villarreal, E. Molecular Heterogeneity in Early-Onset Colorectal Cancer: Pathway-Specific Insights in High-Risk Populations. Cancers 17, 1325 (2025). https://pubmed.ncbi.nlm.nih.gov/40282501/ 20. Monge, C., Waldrup, B., Carranza, F. G. & Velazquez-Villarreal, E. Ethnicity-Specific Molecular Alterations in MAPK and JAK/STAT Pathways in Early-Onset Colorectal Cancer. Cancers 17, 1093 (2025). https://pubmed.ncbi.nlm.nih.gov/40227607/ 21. Benson, A. B. et al. Colon Cancer, Version 2.2021, NCCN Clinical Practice Guidelines in Oncology. J. Natl. Compr. Cancer Netw. JNCCN 19, 329–359 (2021). https://pubmed.ncbi.nlm.nih.gov/33724754/ 22. Christenson, E. S. et al. Nivolumab and Relatlimab for the treatment of patients with unresectable or metastatic mismatch repair proficient colorectal cancer. https://pubmed.ncbi.nlm.nih.gov/40388545/ 23. Dasari, A. et al. Fruquintinib versus placebo in patients with refractory metastatic colorectal cancer (FRESCO-2): an international, multicentre, randomised, double-blind, phase 3 study. The Lancet 402, 41–53 (2023). https://pubmed.ncbi.nlm.nih.gov/37331369/ 24. Strickler, J. H. et al. Tucatinib plus trastuzumab for chemotherapy-refractory, HER2-positive, RAS wild-type unresectable or metastatic colorectal cancer (MOUNTAINEER): a multicentre, open-label, phase 2 study. Lancet Oncol. 24, 496–508 (2023). https://pubmed.ncbi.nlm.nih.gov/37142372/ 25. Sauer, R. et al. Preoperative versus Postoperative Chemoradiotherapy for Rectal Cancer. N. Engl. J. Med. 351, 1731–1740 (2004). https://pubmed.ncbi.nlm.nih.gov/15496622/ 26. Cercek, A. et al. Adoption of Total Neoadjuvant Therapy for Locally Advanced Rectal Cancer. JAMA Oncol. 4, e180071 (2018). https://pubmed.ncbi.nlm.nih.gov/29566109/ 27. Garcia-Aguilar, J. et al. Organ Preservation in Patients With Rectal Adenocarcinoma Treated With Total Neoadjuvant Therapy. J. Clin. Oncol. 40, 2546–2556 (2022). https://pubmed.ncbi.nlm.nih.gov/35483010/ 28. Schrag, D. et al. Preoperative Treatment of Locally Advanced Rectal Cancer. N. Engl. J. Med. 389, 322–334 (2023). https://pubmed.ncbi.nlm.nih.gov/37272534/ 29. Kunkler, I. H., Williams, L. J., Jack, W. J. L., Cameron, D. A. & Dixon, J. M. Breast-Conserving Surgery with or without Irradiation in Early Breast Cancer. N. Engl. J. Med. 388, 585–594 (2023). https://pubmed.ncbi.nlm.nih.gov/36791159/ 30. Jacobsen, R. L., Macpherson, C. F., Pflugeisen, B. M. & Johnson, R. H. Care Experience, by Site of Care, for Adolescents and Young Adults With Cancer. JCO Oncol. Pract. (2021) doi:10.1200/OP.20.00840. https://pubmed.ncbi.nlm.nih.gov/33566700/ 31. Ruddy, K. J. et al. Prospective Study of Fertility Concerns and Preservation Strategies in Young Women With Breast Cancer. J. Clin. Oncol. (2014) doi:10.1200/JCO.2013.52.8877. https://pubmed.ncbi.nlm.nih.gov/24567428/ 32. Su, H. I. et al. Fertility Preservation in People With Cancer: ASCO Guideline Update. J. Clin. Oncol. 43, 1488–1515 (2025). https://pubmed.ncbi.nlm.nih.gov/40106739/ 33. Smith, K. L., Gracia, C., Sokalska, A. & Moore, H. Advances in Fertility Preservation for Young Women With Cancer. Am. Soc. Clin. Oncol. Educ. Book 27–37 (2018) doi:10.1200/EDBK_208301. https://pubmed.ncbi.nlm.nih.gov/30231357/ 34. Blumenfeld, Z. How to Preserve Fertility in Young Women Exposed to Chemotherapy? The Role of GnRH Agonist Cotreatment in Addition to Cryopreservation of Embrya, Oocytes, or Ovaries. The Oncologist 12, 1044–1054 (2007). 35. Bhagavath, B. The current and future state of surgery in reproductive endocrinology. Curr. Opin. Obstet. Gynecol. 34, 164 (2022). 36. Ribeiro, R. et al. Uterine transposition: technique and a case report. Fertil. Steril. 108, 320-324.e1 (2017). 37. Yazdani, A., Sweterlitsch, K. M., Kim, H., Flyckt, R. L. & Christianson, M. S. Surgical Innovations to Protect Fertility from Oncologic Pelvic Radiation Therapy: Ovarian Transposition and Uterine Fixation. J. Clin. Med. 13, 5577 (2024). 38. Holowatyj, A. N., Eng, C. & Lewis, M. A. Incorporating Reproductive Health in the Clinical Management of Early-Onset Colorectal Cancer. JCO Oncol. Pract. 18, 169–172 (2022). ***Behind the Knife Colorectal Surgery Oral Board Audio Review: https://app.behindtheknife.org/course-details/colorectal-surgery-oral-board-audio-review Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more. If you liked this episode, check out our recent episodes here: https://app.behindtheknife.org/listen