Podcasts about cva

Markets recently reacted to a provocative “left-tail” AI scenario making the rounds—a fictional 2028 research report suggesting that too much AI success could ultimately lead to significant white-collar job losses. We'll unpack why markets can be so sensitive to narrative shocks.Next, a circulating opinion piece raises concerns about whether Wall Street could legally seize customer securities in a future financial crisis. We'll separate rhetoric from regulation, clarify how custody actually works, explain the important differences between margin and cash accounts.Then, we answer a thoughtful listener question about leaving a legacy gift to a college fraternity. We'll explore charitable giving vehicles, distribution strategies, trustee considerations, and how the fraternity's tax status could significantly influence the best approach.Finally, with mortgage rates easing off their recent highs, we welcome Shanna Squires of Henssler Mortgage Advisors to discuss when refinancing truly makes sense. From AI-driven market volatility to custody risk, legacy planning, and refinancing strategy, we'll help you cut through the noise and focus on what really matters for long-term financial decision-making.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 28, 2026  |  Season 40, Episode 9Timestamps and Chapters8:51 Too Much AI? Markets React to a Fictional Scenario25:24: Brokerage Custody, Collateral, and Crisis39:28: Fraternity, Foundation, or Fund? Structuring the Right Legacy 50:26: Break-Even and Beyond: Refinancing Done RightFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

February 21, 2026: AI Expectations, Investor Bias, and the Future of SavingIt may feel like an uninspiring start to the year, but the S&P 500 is still positive year-to-date. In this week's market update, we look beneath the surface at a rotation away from the mega-cap leaders toward broader participation across the market. We'll also examine why parts of the technology sector—particularly software—have come under pressure as expectations around AI spending and growth continue to evolve.Private markets were once the domain of pension funds and institutions writing $25 million checks. That's changing. We explore how private equity, real estate, and infrastructure are becoming more accessible to individual investors through interval and evergreen funds, digital platforms, and evolving regulations that are widening the door. What does this democratization really mean—and where should investors be cautious?In a recent Wall Street Journal article, a twentysomething recently said she feels her money is safer in the stock market than in a house. That raises an important question: Are we conditioning a generation to believe markets only go up? We step back and discuss how lived experience shapes investment behavior—from Boomers who remember double-digit inflation, to Gen X and the dot-com bust, to Millennials and the housing crash, and Gen Z's era of rapid recoveries and tech-driven growth.And finally, if you're saving 18% into your 401(k) and thoughtfully splitting between traditional and Roth, you're doing a lot right. But when does it make sense to add an IRA — and should that ever come at the expense of your 401(k)? We break down contribution limits, tax diversification, investment flexibility, and fees, and how an IRA can complement a workplace plan.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 21, 2026  |  Season 40, Episode 8Timestamps and Chapters6:57: AI Expectations and the Software Slowdown21:20: Bull Markets, Bear Memories, and Generational Bias37:20: Democratizing Private Markets: Opportunity or Overreach?52:01: Is More Always Better? Adding an IRA to the Mix“Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

Host Polly Swingle is joined by the physical therapists, occupational therapists, speech therapists, and clinical psychologists involved in the creation and implementation of the Memory Health Program (MHP) at The Recovery Project. This program is built to support both those living with dementia and their loved ones through their journey with compassion, expertise, and personalized care. Visit therecoveryproject.net to learn more!Abbey Seevers is an Occupational Therapy Doctoral student at the University of Nebraska Medical Center (UNMC) where she plans to graduate in May 2026. Abbey earned her Bachelor of Science in Applied Human & Sport Physiology at Wayne State College in 2023. She has a passion for working with patients with dementia and has a long history working as a Certified Nursing Assistant in long-term memory care and home health throughout her high school, college and graduate schooling years. For her Doctoral Capstone project at UNMC she has partnered with TRP to develop this Memory Health Program.Jordyn Sebastian, MA, CCC-SLP, graduated with a master's degree from Eastern Michigan University. She is licensed in SPEAKOUT! and a certified VitalStim provider for dysphagia therapy.Riley Janssen, OTD, OTRL, is a licensed Occupational Therapist who earned her Doctorate in Occupational Therapy from Western Michigan University. She joined The Recovery Project in 2024 following graduation. Riley serves as one of the occupational therapists on the Power Over Parkinson's program team at the Clinton Township location. She is passionate about working with individuals with neurological conditions and is committed to ongoing learning and evidence-based practice to provide the highest quality care.Dr. Madeline Wideman, PT, DPT, has been a Physical Therapist at The Recovery Project since 2018. She earned her Bachelors degree in Allied Health Science from Bowling Green State University in 2014 prior to her Doctorate of Physical Therapy from Oakland University in 2017. She specializes in neurological and orthopedic diagnoses with a primary focus in spinal cord injury and CVA. She is also dry needling certified.Dr. Tiffany Tuttle is a clinical psychologist who provides mental health services to adults and older adults with underlying medical issues. She treats depression, anxiety, distress, and assists in trauma recovery. She has over 20 years of experience providing counseling and her approach is strength-based, supportive, and always patient centered. Helping individuals live their best life despite barriers they have encountered is a hallmark of the work Dr. Tuttle provides her patients. She can be reached at 248-245-2306 and found online at patientcenteredpsych.com.Learn more about The Recovery Project! View our website at www.therecoveryproject.net Call us 855-877-1944 to become a patient Follow us on Instagram Like us on Facebook Thanks for listening!

En Los Desayunos de Capital, entrevistamos a Darío García, CEO de Flake Agency, para conocer en profundidad los FinVoices Awards, los primeros premios que reconocen a las distintas voces del sector financiero. Durante la conversación, explicó el origen y los objetivos de estos galardones, el papel del jurado y de los nominados, y cómo han contribuido a profesionalizar la divulgación financiera en los últimos cinco años. Además, analizamos la evolución del ecosistema de creadores de contenido económico, el papel de las fintech en su estrategia de comunicación y la labor de Flake Agency como nexo entre marcas, divulgadores e inversores. También se abordaron los principales retos de la comunicación financiera en la era digital, el auge de los influencers y la importancia de transmitir información rigurosa y accesible. En el Foro Empleo, contamos con José María Triper, columnista de El Economista, y Marisa Cruzado, socia en CVA, para analizar la situación del mercado laboral. Dentro de este espacio, entrevistamos a Nuria Oliver, doctora en Inteligencia Artificial y directora de la fundación ELLIS Alicante, con quien reflexionamos sobre el impacto de la IA en el empleo en España, los nuevos perfiles profesionales y los desafíos de la transformación digital.

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

If Netflix or Spotify doubled their price tomorrow, would you really cancel—or would you grumble and keep paying? In this conversation, we use subscription services we all rely on to explain a powerful investing concept: pricing power. We'll break down why some companies can raise prices without losing customers, what that tells us about their business models, and why pricing power matters when evaluating long-term investments—especially in an inflation-conscious world.Big Tech is opening the checkbook for AI. Amazon, Alphabet, Meta, and Microsoft are on track to spend nearly $650 billion in 2026 alone, even if it means taking a hit to free cash flow today. We'll unpack why this spending surge is happening, where the money is going, and what it could mean for earnings, valuations, and investors navigating the AI boom. In this week's Market Segment, we break down sector performance across the S&P 500 amid heightened volatility in software stocks, driven largely by renewed concerns over AI's disruptive impact. We also zoom out to examine how AI is influencing industries more broadly, and what a healthy market rebalance across sectors could signal for investors. Plus, we discuss the growing gap between consumer sentiment and actual economic activity and take a closer look at January's employment data to see what it may mean for the path ahead.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 7, 2026  |  Season 40, Episode 6Timestamps and Chapters8:29: Cancel or Complain? Pricing Power Explained31:31: AI at Any Cost?45:57: Market Rotation Amid AI UncertaintyFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

Matthew Brickman is joined again by Ryan Finley, the Founder of Freedom Financial Services Group, to discuss wearing two hats as both the financial advisor and the mediator in divorce cases.Ryan is the Founder of Freedom Financial Services Group, a divorce finance advisory firm helping families, attorneys, and courts navigate the financial complexities of divorce. With more than twenty years of executive leadership in finance and forensic accounting, Ryan has guided hundreds of families nationwide toward financial clarity and confidence. As a CPA, CDFA, CVA, and court-approved mediator, Ryan brings both technical precision and empathy to the table—bridging the gap between financial analysis and human understanding. His ability to simplify complex financial issues and foster productive dialogue makes him a trusted resource for attorneys and clients alike.Website: https://www.freedomfsg.com/----If you have a matter, disagreement, or dispute you need professional help with then visit iMediate.com - Email mbrickman@ichatmediation or Call (877) 822-1479Matthew Brickman is a Florida Supreme Court certified family and appellate mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. But what makes him qualified to speak on the subject of conflict resolution is his own personal experience with divorce.Download Matthew's book on iTunes for FREE:You're Not the Only One - The Agony of Divorce: The Joy of Peaceful ResolutionMatthew Brickman President iMediate Inc. Mediator 20836CFAiMediateInc.comSCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School.

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

It's Day 5 of the 2026 NRA's Great American Outdoor Show.  We're half way through the week.  It's starting to show, but the crew is still grinding away.  Today we're talking with Open Country Outfitters, Mimic Baits, CVA, and Rack Roidz.  Our wallets are getting lighter, but there's lots more to come, stay tuned... Instagram: @rutandriverpursuits For more In The Currents go to https://rutandriverpursuits.com/ 

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

Most practices track numbers, but very few track the metrics that actually drive growth. Dr. Pete and Dr. Stephen break down the ten measurements that determine whether a practice is building momentum or quietly leaking it. This conversation reframes metrics away from surface-level activity and into leadership tools that reveal retention, stability, and profitability. By clearly separating practice metrics from business metrics, the framework shows how operational performance and financial outcomes are directly connected. The result is clarity and control. When the right metrics are measured consistently, decisions become simpler, leadership becomes stronger, and growth becomes predictable.In This Episode You Will:Understand the10 core metrics that determine retention and long-term growthLearn how practice-side metrics and business-side metrics work togetherSee why retention begins at conversion and compounds through complianceDiscover which numbers reveal truth versus vanityClarify how better measurement leads to better leadership decisionsEpisode Highlights06:34 - Dr. Pete frames the series around the two sides of the coin and why commitment is the center that makes both work08:30 - Dr. Stephen clarifies the three identities required to grow: doctor, operator, and business owner14:26 - The conversation defines KPIs as the measurement system that organizes focus and exposes what to fixPractice Metrics19:14 - Stick rate defines how long people stay under care and where retention breaks down by visits, months, or milestones22:32 - Kept visit average (KVA) is introduced as the daily retention signal showing how consistently people show up as scheduled25:24 - Compliance percentage is established as the core retention driver indicating whether patients follow care recommendations26:37 - Inactives and churn rate expose how many people are silently leaving and why defining “active” matters31:30 - Total active patients reframes growth away from visits per week and toward the size of the active care baseBusiness Metrics33:29 - Collection visit average (CVA) measures what the practice collects per visit and can be segmented by stage of care35:06 - Lifetime value (LTV) connects retention to economics by combining patient visit average with collection visit average39:49 - Total revenue is tied back to retention through volume of visits driven by people staying in care40:29 - Monthly recurring revenue (MRR) and annual recurring revenue (ARR) are positioned as the stability engine of the model41:51 - Retained revenue measures the durability of the recurring model by showing how much revenue stays after churn Resources MentionedLearn more about the TRP Remarkable Business Immersion March 6 - 7, 2026 in Phoenix, AZ and March 20 - 21, 2026 in Brisbane, AUS - https://theremarkablepractice.com/upcoming-events/  To learn more about the REM CEO Program, please visit:  http://www.theremarkablepractice.com/rem-ceoBook a Strategy Session with Dr. Pete - https://go.oncehub.com/PodcastPCPrefer to watch? Catch the podcast on YouTube at: https://www.youtube.com/@TheRemarkablePractice1To listen to more episodes, visit https://theremarkablepractice.com/podcast or follow on your favorite podcast app.

This week's podcast opens with a market update as we break down earnings from the tech giants and what those results signal about growth expectations in the months ahead. We'll also discuss Wall Street's response to President Trump's nomination of Kevin Warsh as the next Fed Chair, and what the debate means for interest rates, inflation, and the future direction of monetary policy. Plus, we take a closer look at Friday's sharp selloff in gold and silver, separating short-term headline reactions from longer-term portfolio considerations.Insurance is designed to provide protection—but over time, it can quietly become a drag on your financial plan. In this conversation, we examine extended warranties and common coverage decisions, how to evaluate which risks truly need to be insured, and when self-insuring may make more sense. We'll also walk through the different types of insurance and what coverage is essential for long-term peace of mind.We'll then turn to Elon Musk's latest move to reshape his business empire, combining SpaceX with artificial intelligence startup xAI as the new entity positions itself for what could be one of the largest IPOs in history. We'll discuss what a vertically integrated AI, aerospace, and satellite internet company could mean for investors, how the merger changes the risk profile of both businesses, and why regulatory scrutiny may become an increasingly important part of the story. As always, we'll separate the headline excitement from the underlying fundamentals as AI spending and capital requirements continue to rise.And finally, the Big Game isn't just about football—it's shaping up to be one of the largest betting events of the year. We'll talk about how sportsbooks are pricing the Seahawks vs. Patriots matchup, where public and professional money are landing, and the types of bets drawing the most attention heading into the weekend.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 7, 2026  |  Season 40, Episode 6Timestamps and Chapters6:11: Profit Reports, Policy Shifts, and a Metal Meltdown26:03: The Price of Protection and Peace of Mind52:40: Rockets, Orbital Data Centers, and a Trillion-Dollar Bet59:57: Big Game BetsFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

Esta última hora hemos tenido el espacio Los Desayunos de Capital, donde hemos contado con Manuel Melenchón, Manager Director del Sur de EMEA de Hyatt, que ha hecho un repaso de las expectativas y los planes que tiene la compañía en 2026. Después hemos tenido el Foro de Empleo, en el que han participado Marisa Cruzado, socia en CVA, Luis Pérez, director de Relaciones Institucionales de Randstad y Rafael Pamillón, profesor de Economía en el IE Business School y la Universidad San Pablo CEU. Han analizado el impacto del absentismo laboral y la regularización de inmigrantes.

We start by exploring why investors so often fall in love with certain companies—and how nostalgia, personal experience, and compelling stories can quietly override sound investment discipline. We'll discuss the real risks of concentrated single-stock positions, why familiarity often feels safer than it truly is, and why long-term investing success often requires behavior that runs counter to human instinct.Proxy voting rarely gets much attention, yet it's one of the few direct ways investors actually exercise ownership. We'll break down what proxy voting is, how it works, and what really happens to your vote when you own stocks through mutual funds or ETFs rather than directly. We'll also examine why firms like JPMorgan are rethinking the role of proxy advisory services, the rise of in-house and AI-driven voting tools, and why regulators are taking a closer look at who's influencing corporate decision-making.A listener question takes us deeper into a strategy we've mentioned before—but haven't fully unpacked: “superfunding” a 529 plan. We'll explain what superfunding is, how it works under current gift-tax rules, and when it may—or may not—make sense for families looking to fund education efficiently. We'll walk through the potential benefits, key tradeoffs, and planning considerations investors should understand before committing large sums to a 529.We wrap up with this week's market update, focusing on two forces shaping investor sentiment: monetary policy and earnings. The Federal Reserve concludes its two-day FOMC meeting with interest rates left unchanged, but markets are paying closer attention to the Fed's language and what it signals about the path ahead. At the same time, fourth-quarter earnings season accelerates with reports from Microsoft, Meta, Apple, and Tesla. We'll discuss what investors will be watching most closely—particularly whether ongoing investments in artificial intelligence are translating into sustainable profits and long-term value.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — January 31, 2026  |  Season 40, Episode 5Timestamps and Chapters7:42: Nostalgia, Narratives, and Portfolio Risk21:13: The Power Behind the Proxy33:36: Front-Loading College Savings: The 529 Superfunding Strategy43:54: Signals from the Fed and Silicon ValleyFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Today, Matthew Brickman is joined by Ryan Finley. Ryan is the Founder of Freedom Financial Services Group, a divorce finance advisory firm helping families, attorneys, and courts navigate the financial complexities of divorce. With more than twenty years of executive leadership in finance and forensic accounting, Ryan has guided hundreds of families nationwide toward financial clarity and confidence. As a CPA, CDFA, CVA, and court-approved mediator, Ryan brings both technical precision and empathy to the table—bridging the gap between financial analysis and human understanding. His ability to simplify complex financial issues and foster productive dialogue makes him a trusted resource for attorneys and clients alike.Website: https://www.freedomfsg.com/----If you have a matter, disagreement, or dispute you need professional help with then visit iMediate.com - Email mbrickman@ichatmediation or Call (877) 822-1479Matthew Brickman is a Florida Supreme Court certified family and appellate mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. But what makes him qualified to speak on the subject of conflict resolution is his own personal experience with divorce.Download Matthew's book on iTunes for FREE:You're Not the Only One - The Agony of Divorce: The Joy of Peaceful ResolutionMatthew Brickman President iMediate Inc. Mediator 20836CFAiMediateInc.comSCHEDULE YOUR MEDIATION: https://ichatmediation.com/calendar/OFFICIAL BLOG: https://ichatmediation.com/podcastOFFICIAL YOUTUBE: http://www.youtube.com/ichatmediationOFFICIAL LINKEDIN: https://www.linkedin.com/company/ichat-mediation/ABOUT MATTHEW BRICKMAN:Matthew Brickman is a Supreme Court of Florida certified county civil family mediator who has worked in the 15th and 19th Judicial Circuit Courts since 2009 and 2006 respectively. He is also an appellate certified mediator who mediates a variety of small claims, civil, and family cases. Mr. Brickman recently graduated both the Harvard Business School Negotiation Mastery Program and the Negotiation Master Class at Harvard Law School.

President Trump set a deadline for banks to slash credit card APRs to 10%—but now that the date has arrived, most issuers haven't moved. In this episode, we unpack why average rates remain near 20%, what a government-imposed cap could mean for consumers, and why banks argue it may actually restrict access to credit for millions of Americans. We also look at the market response, including pressure on bank stocks, and separate the political headlines from the financial realities investors and families need to understand.Next, we walk through three common ways homeowners and savers consider accessing cash: cash-out refinancing, HELOCs and home equity loans—or (gasp!) borrowing from a 401(k). Each option comes with its own costs, risks, and long-term trade-offs. We discuss when a lower fixed rate might make sense, when flexibility matters more, and why tapping retirement savings can be far more expensive than it appears on the surface.After the break, listener questions drive the conversation. First, we break down why utility funds surprised investors in 2025—and whether that kind of outperformance is sustainable heading into 2026. Then we tackle a classic retirement planning question: should you front-load your retirement contributions or spread them evenly throughout the year? We walk through the market, cash-flow, and behavioral considerations that matter most.Finally, global headlines rattled markets this week as renewed tariff threats and geopolitical tensions pushed volatility higher. We examine what's driving investor sentiment, how markets are reacting as policy rhetoric collides with economic reality, and what long-term investors should keep in focus amid the noise.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — January 24, 2026  |  Season 40, Episode 4Timestamps and Chapters9:24: Credit Card Caps: Promise vs. Reality18:54: When You Need Cash: Choose Carefully40:57: Listener Q&A: Utility Funds and Front Loading Contributions54:58: Tariffs, Tensions, and Market VolatilityFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

An 11-year sentence, a failed Rolex heist, a child refugee running from political persecution, and a man who honestly admits:“That one decision still haunts me to this day.”In this powerful episode of The Blue Tick Show, Mikey sits down with Vic – a former armed robber who went from Cameroon to a South London council estate, got dragged into crime by the pursuit of money, and ended up serving over a decade behind bars for armed robbery and joint enterprise.Vic breaks down, in brutal detail, how you go from selling weed for a winter jacket…to robbing a Rolex jewellery store in Bournemouth,to high-speed motorway chases, helicopters above, and finally walking into prison thinking: “I knew I was going to end up here.”Inside jail, he experiences:Young Offenders chaosThe reality of a dispersal prison (“one stop from hell”) surrounded by lifersYears in solitary confinement, paranoia and survivalThe moment his mindset finally flips from ego to growth, fuelled by books like The Power of Now and deep self-reflectionNow, Vic is:A musician (project: “A Thousand Burpees”)An actor with a BAFTA-winning production on his CVA mentor and course creator teaching “transferable skills and comfort blankets” to help young people turn street skills into business skillsBuilding a label (Glory Days Records) and planning a new life in the Middle East to secure legacy for his kidsThis is more than a prison story. It's about:Growing up as a refugee kid with no parents aroundTrauma-bonding on the estate and calling it “brotherhood”The spiritual signs he ignored on the day of the Rolex robberyHow crime is like a “university of criminology” and why prison doesn't rehabilitateTurning robbery planning skills into entrepreneurship, structure and disciplineIf you're young, on the roads, lost, or just obsessed with real, raw transformation stories, this episode will hit hard.

This week's market update dives into several key economic signals, including the latest readings on inflation through CPI, PPI, along with the kickoff of fourth-quarter earnings season. Major banks are among the first to report, offering early insight into both the health of the economy and the broader market backdrop.A timely listener question also sparked a deeper discussion about how we evaluate market-moving headlines—and why news alone doesn't automatically trigger changes to a well-constructed portfolio. Using recent developments involving Venezuela as an example, we walk through the critical distinction between short-term trading and long-term investing. While geopolitical events can drive near-term volatility, our investment decisions are grounded in a disciplined, research-driven process. We explain how Henssler evaluates stocks using multi-point criteria and in-depth fundamental analysis, and why that approach aligns with our long-term financial planning philosophy, the Henssler Ten Year Rule.We're also unpacking a developing story that's drawing attention on Wall Street and in Washington. Reports indicate the U.S. attorney's office is reviewing testimony from Fed Chair Jerome Powell, a move that's quickly become part of a broader effort by the Trump administration to pressure the Federal Reserve to cut interest rates. We'll discuss what this could mean for the Fed's independence, why markets are paying close attention, and why—despite the headlines—monetary policy is intended to be guided by data, not politics.Finally, we take a closer look at today's auto market, where new car prices have jumped more than 30% since 2020, pushing average sticker prices past $50,000. We break down what's driving record-high monthly payments now averaging well over $750, the growing use of eight-, nine-, and even 10-year loan terms, and why these trends matter well beyond the dealership.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — January 17, 2026  |  Season 40, Episode 3Timestamps and Chapters9:43: Markets, Inflation, and the Earnings Pulse16:12: Investing vs. Trading: Why Headlines Don't Drive Our Portfolios36:46: The Fed Under Fire45:23: The Real Cost of Driving NewFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

We wrap up the year by settling an important score: who takes the crown for the 2025 Super Official Board of Predictions after a year of weekly “market up or down” calls? From there, we look back at the major trends we predicted for 2025 and how they actually played out.Then it's time to look ahead. The team shares their 2026 predictions—personal outlooks and opinions on what may lie ahead in the markets. We also put our discipline to the test as we randomly assign resolutions for 2026, raising the real question: How long can anyone actually stick to a new habit?In our market recap, we discuss developments involving Venezuela and their potential impact on global markets and the economy, including geopolitical tensions, energy resources, and broader economic implications.We close the episode with a listener question involving divorce, home equity, and family planning: What should you consider before transferring ownership of a house to an adult child?It's a wide-ranging conversation that blends reflection, forecasts, practical financial planning, and a bit of fun as we close one year and look toward the next.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — January 10, 2026  |  Season 40, Episode 2Timestamps and Chapters0:00: 2025 Super Official Board of Predictions Winner5:27: Crystal Ball Check & Recalibration30:18: Accountability, Assigned35:21: Energy, Economy, and International Tensions 43:48: Listener Question: More Than a DeedFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

New year, new goals—but which financial resolutions actually reduce stress and build wealth? We break down practical investing and money habits that help you focus on what matters most, from setting a clear plan to staying disciplined in volatile markets. If you're ready to start the year with clarity and confidence—not noise—this episode is for you.There's a baby boom happening at Henssler—and it sparked an important conversation exploring how welcoming a child changes your financial life and the critical first steps every new parent should take. From putting the right legal protections in place and reviewing insurance coverage, to understanding new tax benefits and when it makes sense to start saving for college, this episode offers a clear financial starting point during one of life's biggest transitions.After the break, we tackle two timely listener questions that many investors are quietly asking. First, does it make sense to step away from work at 50 and use Substantially Equal Periodic Payments (SEPP) to access retirement funds early? Then, with the Magnificent Seven driving much of the market's recent gains, we discuss whether now may be the right time to take some profits and diversify into income-producing dividend ETFs. If you're weighing early retirement strategies or wondering how concentrated your portfolio has become, this segment offers practical perspective—and a few important cautions.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — January 3, 2026  |  Season 40, Episode 1Timestamps and Chapters8:26: Start the Year Right: Simple Steps for Financial Health20:03: Henssler Baby Boom: Planning for the Littlest Investors39:11: Hot Questions, Smart Answers Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Episode 210: Heat Stroke BasicsWritten by Jacob Dunn, MS4, American University of the Caribbean. Edits and comments by Hector Arreaza, MD.You are listening to Rio Bravo qWeek Podcast, your weekly dose of knowledge brought to you by the Rio Bravo Family Medicine Residency Program from Bakersfield, California, a UCLA-affiliated program sponsored by Clinica Sierra Vista, Let Us Be Your Healthcare Home. This podcast was created for educational purposes only. Visit your primary care provider for additional medical advice. Definition:Heat stroke represents the most severe form of heat-related illness, characterized by a core body temperature exceeding 40°C (104°F) accompanied by central nervous system (CNS) dysfunction. Arreaza: Key element is the body temperature and altered mental status. Jacob: This life-threatening condition arises from the body's failure to dissipate heat effectively, often in the context of excessive environmental heat load or strenuous physical activity. Arreaza: You mentioned, it is a spectrum. What is the difference between heat exhaustion and heat stroke? Jacob: Unlike milder heat illnesses such as heat exhaustion, heat stroke involves multisystem organ dysfunction driven by direct thermal injury, systemic inflammation, and cytokine release. You can think of it as the body's thermostat breaking under extreme stress — leading to rapid, cascading failures if not addressed immediately. Arreaza: Tell us what you found out about the pathophysiology of heat stroke?Jacob: Pathophysiology: Under normal conditions, the body keeps its core temperature tightly controlled through sweating, vasodilation of skin blood vessels, and behavioral responses like seeking shade or drinking water. But in extreme heat or prolonged exertion, those mechanisms get overwhelmed.Once core temperature rises above about 40°C (104°F), the hypothalamus—the brain's thermostat—can't keep up. The body shifts from controlled thermoregulation to uncontrolled, passive heating. Heat stroke isn't just someone getting too hot—it's a full-blown failure of the body's heat-regulating system. Arreaza: So, it's interesting. the cell functions get affected at this point, several dangerous processes start happening at the same time.Jacob: Yes: Cellular Heat InjuryHigh temperatures disrupt proteins, enzymes, and cell membranes. Mitochondria start to fail, ATP production drops, and cells become leaky. This leads to direct tissue injury in vital organs like the brain, liver, kidneys, and heart.Arreaza: Yikes. Cytokines play a big role in the pathophysiology of heat stroke too. Jacob: Systemic Inflammatory ResponseHeat damages the gut barrier, allowing endotoxins to enter the bloodstream. This triggers a massive cytokine release—similar to sepsis. The result is widespread inflammation, endothelial injury, and microvascular collapse.Arreaza: What other systems are affected?Coagulation AbnormalitiesEndothelial damage activates the clotting cascade. Patients may develop a DIC-like picture: microthrombi forming in some areas while clotting factors get consumed in others. This contributes to organ dysfunction and bleeding.Circulatory CollapseAs the body shunts blood to the skin for cooling, perfusion to vital organs drops. Combine that with dehydration from sweating and fluid loss, and you get hypotension, decreased cardiac output, and worsening ischemia.Arreaza: And one of the key features is neurologic dysfunction.Jacob: Neurologic DysfunctionThe brain is extremely sensitive to heat. Encephalopathy, confusion, seizures, and coma occur because neurons malfunction at high temperatures. This is why altered mental status is the hallmark of true heat stroke.Arreaza: Cell injury, inflammation, coagulopathy, circulatory collapse and neurologic dysfunction. Jacob: Ultimately, heat stroke is a multisystem catastrophic event—a combination of thermal injury, inflammatory storm, coagulopathy, and circulatory collapse. Without rapid cooling and aggressive supportive care, these processes spiral into irreversible organ failure.Background and Types:Arreaza: Heat stroke is part of a spectrum of heat-related disorders—it is a true medical emergency. Mortality rate reaches 30%, even with optimal treatment. This mortality correlates directly with the duration of core hyperthermia. I'm reminded of the first time I heard about heat stroke in a baby who was left inside a car in the summer 2005. Jacob: There are two primary types: -nonexertional (classic) heat stroke, which develops insidiously over days and predominantly affects vulnerable populations like children, the elderly, and those with chronic illnesses during heat waves; -exertional heat stroke, which strikes rapidly in young, otherwise healthy individuals, often during intense exercise in hot, humid conditions. Arreaza: In our community, farm workers are especially at risk of heat stroke, but any person living in the Central Valley is basically at risk.Jacob: Risk factors amplify vulnerability across both types, including dehydration, cardiovascular disease, medications that impair sweating (e.g., anticholinergics), and acclimatization deficits. Notably, anhidrosis (lack of sweating) is common but not required for diagnosis. Hot, dry skin can signal the shift from heat exhaustion to stroke. Arreaza: What other conditions look like heat stroke?Differential Diagnosis:Jacob: Presenting with altered mental status and hyperthermia, heat stroke demands a broad differential to avoid missing mimics. -Environmental: heat exhaustion, syncope, or cramps. -Infectious etiologies like sepsis or meningitis must be ruled out. -Endocrine emergencies such as thyroid storm, pheochromocytoma, or diabetic ketoacidosis (DKA) can overlap. -Neurologic insults include cerebrovascular accident (CVA), hypothalamic lesions (bleeding or infarct), or status epilepticus. -Toxicologic culprits are plentiful—sympathomimetic or anticholinergic toxidromes, salicylate poisoning, serotonin syndrome, malignant hyperthermia, neuroleptic malignant syndrome (NMS), or even alcohol/benzodiazepine withdrawal. When it comes to differentials, it is always best to cast a wide net and think about what we could be missing if this is not heat stroke. Arreaza: Let's say we have a patient with hyperthermia and we have to assess him in the ER. What should we do to diagnose it?Jacob: Workup:Diagnosis is primarily clinical, hinging on documented hyperthermia (>40°C) plus CNS changes (e.g., confusion, delirium, seizures, coma) in a hot environment. Arreaza: No single lab confirms it, but targeted testing allows us to detect complications and rule out alternative diagnosis. Jacob: -Start with ECG to assess for dysrhythmias or ischemic changes (sinus tachycardia is classic; ST depressions or T-wave inversions may hint at myocardial strain). -Labs include complete blood count (CBC), comprehensive metabolic panel (electrolytes, renal function, liver enzymes), glucose, arterial blood gas, lactate (elevated in shock), coagulation studies (for disseminated intravascular coagulation, or DIC), creatine kinase (CK) and myoglobin (for rhabdomyolysis), and urinalysis. Toxicology screen if history suggests. Arreaza: I can imagine doing all this while trying to cool down the patient. What about imaging?-Imaging: chest X-ray for pulmonary issues, non-contrast head CT if neurologic concerns suggest edema or bleed (consider lumbar puncture if infection suspected). It is important to note that continuous core temperature monitoring—via rectal, esophageal, or bladder probe—is essential, not just peripheral skin checks. Arreaza: TreatmentManagement:Time is tissue here—initiate cooling en route, if possible, as delays skyrocket morbidity. ABCs first: secure airway (intubate if needed, favoring rocuronium over succinylcholine to avoid hyperkalemia risk), support breathing, and stabilize circulation. -Remove the patient from the heat source, strip clothing, and launch aggressive cooling to target 38-39°C (102-102°F) before halting to prevent rebound hypothermia. -For exertional cases, ice-water immersion reigns supreme—it's the fastest method, with immersion in cold water resulting in near-100% survival if started within 30 minutes. -Nonexertional benefits from evaporative cooling: mist with tepid water (15-25°C) plus fans for convective airflow. -Adjuncts include ice packs to neck, axillae, and groin; -room-temperature IV fluids (avoid cold initially to prevent shivering); -refractory cases, invasive options like peritoneal lavage, endovascular cooling catheters, or even ECMO. -Fluid resuscitation with lactated Ringer's or normal saline (250-500 mL boluses) protects kidneys and counters rhabdomyolysis—aim for urine output of 2-3 mL/kg/hour. Arreaza: What about medications?Jacob: Benzodiazepines (e.g., lorazepam) control agitation, seizures, or shivering; propofol or fentanyl if intubated. Avoid antipyretics like acetaminophen. For intubation, etomidate or ketamine as induction agents. Hypotension often resolves with cooling and fluids; if not, use dopamine or dobutamine over norepinephrine to avoid vasoconstriction. Jacob: What IV fluid is recommended/best for patients with heat stroke?Both lactated Ringer's solution and normal saline are recommended as initial IV fluids for rehydration, but balanced crystalloids such as LR are increasingly favored due to their lower risk of hyperchloremic metabolic acidosis and AKI. However, direct evidence comparing the two specifically in the setting of heat stroke is limited. Arreaza: Are cold IV fluids better/preferred over room temperature fluids?Cold IV fluids are recommended as an adjunctive therapy to help lower core temperature in heat stroke, but they should not delay or replace primary cooling methods such as cold-water immersion. Cold IV fluids can decrease core temperature more rapidly than room temperature fluids. For example, 30mL/kg bolus of chilled isotonic fluids at 4 degrees Celsius over 30 minutes can decrease core temperature by about 1 degree Celsius, compared to 0.5 degree Celsius with room temperature fluids. Arreaza: Getting cold IV sounds uncomfortable but necessary for those patients. Our favorite topic.Screening and Prevention:-Heat stroke prevention focuses on public health and individual awareness rather than routine testing. -High-risk groups—elderly, children, athletes, laborers, or those on impairing meds—should acclimatize gradually (7-14 days), hydrate preemptively (electrolyte solutions over plain water), and monitor temperature in exertional settings. -Communities during heat waves need cooling centers and alerts. -For clinicians, educate patients with CVD or obesity about early signs like dizziness or nausea. -No formal "screening" exists, but vigilance in EDs during summer surges saves lives. -Arreaza: I think awareness is a key element in prevention, so education of the public through traditional media like TV, and even social media can contribute to the prevention of this catastrophic condition.Jacob: Ya so heat stroke is something that should be on every physician's radar in the central valley especially in the summer time given the hot temperatures. Rapid recognition is key. Arreaza: Thanks, Jacob for this topic, and until next time, this is Dr. Arreaza, signing off.Even without trying, every night you go to bed a little wiser. Thanks for listening to Rio Bravo qWeek Podcast. We want to hear from you, send us an email at RioBravoqWeek@clinicasierravista.org, or visit our website riobravofmrp.org/qweek. See you next week! References:Gaudio FG, Grissom CK. Cooling Methods in Heat Stroke. J Emerg Med. 2016 Apr;50(4):607-16. doi: 10.1016/j.jemermed.2015.09.014. Epub 2015 Oct 31. PMID: 26525947. https://pubmed.ncbi.nlm.nih.gov/26525947/.Platt, M. A., & LoVecchio, F. (n.d.). Nonexertional classic heat stroke in adults. In UpToDate. Retrieved September 7, 2025, from https://www.uptodate.com/contents/nonexertional-classic-heat-stroke-in-adults. (Key addition: Emphasizes insidious onset in at-risk populations and the role of urban heat islands in exacerbating classic cases.) Heat Stroke. WikEM. Retrieved December 3, 2025, from https://wikem.org/wiki/Heat_stroke. (Key additions: Details on cooling rates for immersion therapy, confirmation that anhidrosis is not diagnostic, and fluid titration to urine output for rhabdomyolysis prevention.)Theme song, Works All The Time by Dominik Schwarzer, YouTube ID: CUBDNERZU8HXUHBS, purchased from https://www.premiumbeat.com/. 

In this podcast we are joined by Angelique Beslic who is the Executive Consultant and Principal of Bridge Ventures, LLC, a Supply Chain Leadership and Education Organization. Angelique is also the Sr. Director of Supply Chain for Legacy Health. In her leadership role, her duties include all levels of procurement, contracting, strategic sourcing, clinical value analysis, and decision support. During our podcast, we delve into topics like clinical value analysis, a clinically integrated supply chain, integrating CVA into systems and daily decision making, trust between clinicians and Supply Chain, the cost vs. outcomes myth, clinical and operational service line governance (COSL), and much more!

Eles Fizeram +R$ 10 Milhões Sem Lançamentos e Sem Aparecer o Tempo Todo | Kiwicast Mari Vabo e Arthur Weller, o casal por trás de uma operação de múltiplos 8 dígitos, desafiam a crença de que para ter sucesso no digital você precisa de ostentação, postagem diária e exposição constante.  Neste episódio do Kiwicast, eles revelam o método que os tirou da instabilidade dos lançamentos fracassados e os levou a criar um negócio sólido com Conteúdo de Venda Automática (CVA).  Descubra a mentalidade de "responsabilidade" que os impediu de desistir e a fórmula exata de 7 etapas para construir uma oferta irresistível, focando em vender mais e trabalhar menos. ___________________ O que você vai aprender: -       Por que prosperar em casal, com propósito e sem negociar seus valores inegociáveis (como a família), é overdadeiro ímã de clientes no digital.-       A hierarquia estratégica que separa o amador do empresário e onde a maioria dos experts para de crescer.-       Como produzir um único conteúdo de alta conversão para direcionar tráfego e parar de perder tempo postando todosos dias.-       As 7 etapas exatas do CVA, incluindo a identificação das dores implícitas , a extrapolação do desejo e o conceito de "No-Brainer Offer" (oferta irrecusável).-       Por que você precisa ser contra algo (ter um lado do muro) para ser um expert de alto padrão e a importância da confiança pessoal para atrair estrategistas.E muito mais!Aprenda com quem vive o mercado digital na prática.Dá o play e deixe nos comentários qual foi o melhor insight que você tirou do episódio.Nosso Instagram é @Kiwify

December 27, 2025: (Repeat) The Long Game: Investing, Mortgages, and Year-End Money MovesWhile we're out of the studio this week, we've collected a selection of great discussions from the past few months. For young men, knowing every player stat is easier than understanding investing—but it doesn't have to be that way. We respond to a listener's question about the rise of sports betting and show how the same competitive spirit can be redirected toward “betting” on the markets—tracking long-term wins, company performance, and financial growth.After the break, we dive into a headline-grabbing idea: 50-year mortgages. The Federal Housing Finance Agency is floating the concept, but would stretching a home loan over five decades make homebuying more accessible—or simply saddle borrowers with far more interest over time? We lay out the potential benefits, the pitfalls, and what this could mean for future homeowners.We walk through the essentials of year-end IRA planning—from maximizing contributions to handling required minimum distributions and reviewing beneficiaries. We highlight key deadlines, common pitfalls to avoid, and tactics that can help strengthen your long-term savings.We'll also answer a listener question about donor-advised funds—a charitable giving tool that lets you give now, decide later, and save on taxes today.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — December 27, 2025  |  Season 39, Episode 52Timestamps and Chapters3:48: Bench the Bets, Back the Market18:03: 50-Year Home Stretch32:23: Your Year-End IRA Playbook41:56: The Giving Tool You're Not Using (But Should)Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

On this episode of American Potential, host David From is joined by John Vick, Executive Director of Concerned Veterans for America, for a year-end conversation focused on restoring Congress's constitutional role in decisions of war and peace. John explains why repealing outdated Authorizations for Use of Military Force—passed in the wake of 9/11 with no sunset clauses—is essential to reestablishing accountability and preventing endless, open-ended conflicts. With most of the lawmakers who approved those authorizations no longer in office, the episode highlights growing bipartisan agreement that Congress must reclaim its responsibility when Americans are sent into harm's way. The discussion also covers CVA's major work this year, including advancing the Veterans Access Act to improve timely health care for veterans, and how grassroots advocacy helped drive real policy change. John shares what's ahead for CVA in 2026 as the organization continues empowering veterans and citizens nationwide to engage in the democratic process.  

En Capital Intereconomía, los Desayunos de Capital han contado con Emilio Izquierdo, CEO de MARAeY, para analizar la actualidad empresarial y los retos del entorno económico. En el Foro de Empleo, hemos debatido con Carlos Ruiz, director de estudios del IEE, José María Triper, columnista de El Economista, y Marisa Cruzado, socia en CVA, sobre las perspectivas económicas y laborales en España. El IEE anticipa un crecimiento del PIB del 2,9% en 2025, con una moderación al 2,1% en 2026, y prevé que el paro pueda caer por debajo del 10% el próximo año, consolidando la mejora del mercado laboral.

From festive traditions to financial realities, this episode covers a wide range of timely topics as the year comes to a close. We start with a lighter look at the season, unpacking some of this year's biggest holiday trends, starting with Elf on the Shelf's Marietta roots. Elf on the Shelf has grown from a simple idea into a global enterprise. Its deep connection to holiday tradition has helped create a sustainable, enduring business model year after year. Next we jump into the shopping trends from Labubu to Crumbl Cookies to luxury items. We consider what current consumer spending trends reveal about shoppers' confidence. We'll discuss what a K-shaped recovery tells us about consumer financial health and what it could mean for the economy heading into the new year.From there, we turn to the economy, diving into recently released data including November's employment growth and the current unemployment rate. Is the AI trend fully supporting our economy? In some ways yes, but we're also seeing the broader market catch up to the Magnificent Seven. Student loans are also back in the spotlight, with significant changes carrying major implications for millions of borrowers. We break down what's happening with income-driven repayment plans, including updates to IBR and the emerging Repayment Assistance Plan, and how these shifts may affect monthly payments and long-term forgiveness timelines. Our host KC was recently quoted in CNBC on these developments, and we'll explain what the legal and policy changes mean for your financial future.Finally, we look ahead to upcoming tax-law changes tied to higher education, including repayment plan phase-outs and expanded rules around federal education benefits—part of the broader One Big Beautiful Bill that could reshape student debt and college costs in the years ahead.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — December 20, 2025  |  Season 39, Episode 51Timestamps and Chapters6:01: Holiday Fads & Favorites 13:52: Holiday Spending Checkup27:49: Employment Data and Market Breadth37:31: The Student Loan Reset: New Rules, New Risks, New DecisionsFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

We're knee-deep in the last month of trading for the year, and the Fed just delivered its last rate cut of the year—exactly as expected, but not without disagreement on the committee. Tune in for a fast breakdown of the week's market swings and what December's meeting could signal for 2026.Since the election, investors have been buzzing about the “Trump Trades”—the expected to soar under the new administration. But did they actually perform? We dig into the stocks that were supposed to surge, the ones that fizzled, and the surprising rallies sparked by political headlines and social-media “market tips.”A brand-new stock exchange is headed for Texas. Necessary innovation or just noise? With SEC approval, heavyweight backing, and plans to launch in early 2026, TXSE could reshape where—and how—companies list and trade. We break down what it could mean for public markets and everyday investors.And as part of our ongoing series on AI's financial footprint, we unpack Meta Platforms' latest move: a $27 billion data-center buildout that won't touch its balance sheet. Through a joint venture with Blue Owl Capital—where Meta keeps just a 20% stake and books the facility as a lease—the company is pushing off-balance-sheet financing to new territory. What does that mean for risk, transparency, and investors? We explain.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — December 13, 2025  |  Season 39, Episode 50Timestamps and Chapters6:19: Market Recap + Fed watch 14:59: Trump Trades29:10: New Kid on Wall Street? Meet the Texas Stock Exchange36:29: Meta's $27 Billion Off-Balance-Sheet MoveFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial.Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/

Welcome back to another episode of The Richer Geek Podcast. Today we are joined by Chris Hervochon, CPA, CVA, a numbers-driven advisor who helps growth-minded entrepreneurs make smarter financial decisions. Chris shares how good accounting goes far beyond tax season, why advisory-based CPAs can save you tens of thousands, and the real difference between bookkeeping, controllers, and fractional CFOs. He also breaks down how to prepare your business for a future sale and the hidden risks most founders never check. If you're ready to run your business like the asset it should be, this episode will help you get there. In this episode, we chat about… Chris shares how his career went from accounting to pro golf and eventually to running his own CPA firm. He explains why traditional CPAs focus on volume and often can't offer real advisory or proactive support. Breakdown of the differences between bookkeeping, controllers, and fractional CFOs. Discussion on how upcoming tax law changes may impact business owners in the next few months. Chris talks about what makes a business valuable and how owners can reduce risk to increase that value. Key Takeaways: A strategic CPA gives advice year-round, not just during tax season. Growing businesses need consistent check-ins, quarterly at minimum, monthly if possible. Your finance function should stay within 1–3% of your revenue to stay effective. Entity structure and tax planning are major sources of missed savings for entrepreneurs. Buyers pay for stable, low-risk cash flow, not a business that depends on the owner.   Resources from Chris LinkedIn  | Better Numbers Resources from Mike and Nichole Check out our latest project here: Barcelona Hotel Fund LinkedIn  | Gateway Private Equity Group | Nic's guide

If you ask two specialty professionals what makes a high-quality coffee, you'll likely get a surprisingly consistent answer: clean, sweet, juicy, bright. To an outsider, they would be forgiven for thinking coffee quality is universally defined.   But the truth is more sober.   In this episode, we examine how a simple cupping form helped create a universal idea of quality. We then look at the evidence that, in fact, it's just the personal preferences of a small group of people masquerading as universal quality.    Please support my work directly at Ko-fi.com/FilterStories   Other ways you can help: Leave a 5 star rating on Spotify Follow me on Instagram and tag me in an Instagram story Write a review on Apple Podcasts Discover how I make these Filter Stories episodes by subscribing to my Substack newsletter   Go deeper into the story of quality: 2004 cupping form from the Specialty Coffee Association of America SCAA Coffee Cuppers Handbook (4th edition, 2011) Cup of Excellence cupping form Kenneth Liberman's book, "Tasting Coffee: An Inquiry into Objectivity" SCA's video series on the CVA presented by Peter Giuliano     Live in Berlin? Join me for a free decaf cupping at Communal Coffee on the 12th December 2025. Reserve your ticket here: https://bit.ly/4nZXyrf.

For twenty years, the 2004 cupping form profoundly shaped the specialty coffee world.   But on the hillsides of coffee farms, some of the form's byproducts have been disadvantaging producers.    In this episode, we follow two producers whose lives collided with the myth of universal quality. These stories reveal how a single idea of “quality” can close doors for the people with the least power in the supply chain.    The new coffee evaluation form, the CVA, is still young, and with any luck it will keep evolving. I hope for a form that can empower even the smallest producers.    Please support my work directly at Ko-fi.com/FilterStories   Other ways you can help: Leave a 5 star rating on Spotify Follow me on Instagram and tag me in an Instagram story Write a review on Apple Podcasts Discover how I make these Filter Stories episodes by subscribing to my Substack newsletter   Go deeper into the story of quality: The original Filter Stories episode about Murray Cooper in Ecuador, Firefly Specialty Coffee Association's new Coffee Value Assessment 2004 cupping form from the Specialty Coffee Association of America SCAA Coffee Cuppers Handbook (4th edition, 2011) Kenneth Liberman's book, "Tasting Coffee: An Inquiry into Objectivity" SCA's video series on the CVA presented by Peter Giuliano     Live in Berlin? Join me for a free decaf cupping at Communal Coffee on the 12th December 2025. Reserve your ticket here: https://bit.ly/4nZXyrf.

Black Friday wasn't just big this year—it was record-breaking. In this episode, we unpack how much shoppers really spent, the online vs. in-store battle, why the “day” now lasts for weeks, and what those steep discounts mean for retailer margins. We also explore the surge in Buy Now, Pay Later and what it signals about consumer health heading into year-end.A new kind of baby gift is coming—and it could reshape generational wealth. We dig into the newly announced Trump Accounts, seeded with funds children can tap for education, small business expenses, and first-time home purchases. Plus, we examine the Dell family's massive $6.25 billion contribution, which expands access for younger children in moderate-income ZIP codes. We break down how these accounts could realistically grow over time, the tax advantages families should understand, and why this program could be a financial lifeline for households with little to no savings.For young men, knowing every player stat is easier than understanding investing—but it doesn't have to be that way. We respond to a listener's question about the rise of sports betting and show how the same competitive spirit can be redirected toward “betting” on the markets—tracking long-term wins, company performance, and financial growth.Before the year closes, your portfolio might be hiding some opportunities. We explore year-end strategies like tax-loss selling, harvesting gains to offset recognized losses, and resetting your cost basis. We also break down how capital gains are taxed and why these moves can help you keep more of what you've earned.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — December 6, 2025  |  Season 39, Episode 49Timestamps and Chapters7:54: The Black Friday Spending Spree Report26:25: Born With a Balance38:54: Bench the Bets, Back the Market49:46: Counting Gains, Cutting LossesFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial.Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

First, we break down “the market” by exploring the major indices investors follow every day. From the S&P 500 and Dow Jones Industrial Average to the Nasdaq Composite, we explain what these benchmarks measure, how they're built, and why your portfolio may not always mirror their movements. You'll learn the differences between price-weighted, equal-weighted, and market-cap-weighted indices, plus get insight into the Dow's historic milestones as it inches closer to 50,000.Then, we shift to Black Friday. With the holiday shopping season kicking off, we dig into the latest projections—how many Americans will shop, where they'll spend, and what trends are shaping this year's deals. Whether you love doorbusters or prefer digital carts, we'll connect the stats to what they could mean for consumers and the broader economy.Finally, as the year wraps up, we turn to your retirement strategy. We walk through the essentials of year-end IRA planning—from maximizing contributions to handling required minimum distributions and reviewing beneficiaries. We highlight key deadlines, common pitfalls to avoid, and tactics that can help strengthen your long-term savings.Three conversations, one goal: giving you the clarity and confidence to make informed financial decisions. Tune in!Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 29, 2025  |  Season 39, Episode 48Timestamps and Chapters6:46: Benchmarks and Big Numbers28:50: Black Friday Unwrapped41:54: Finish Strong: Your Year-End IRA PlaybookFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

This week on “Henssler Money Talks,” we're digging into what Thanksgiving really costs in 2025. Walmart is rolling out a dinner basket that feeds 10 for under $4 per person—though it's a bit leaner than last year and noticeably missing those beloved King's Hawaiian rolls. Target's four-person meal rings in under $20, even as grocery prices climb 2.7%. We break down what all of this says about inflation, consumer behavior, and the state of the American wallet heading into the holidays.Then we turn to the markets. November has been a tougher month for stocks, and as third-quarter earnings season winds down, big names like Nvidia are still set to drive headlines. Can its results turn the week around? With the government shutdown now off the table, investors are also gearing up for a fresh round of economic data—including minutes from the Federal Reserve's October meeting that may offer clues about the path of interest rates. We unpack what investors should watch and what it all means for your portfolio.After the break, we dive into a headline-grabbing idea: 50-year mortgages. The Federal Housing Finance Agency is floating the concept, but would stretching a home loan over five decades make homebuying more accessible—or simply saddle borrowers with far more interest over time? We lay out the potential benefits, the pitfalls, and what this could mean for future homeowners.And in our year-end planning segment, we turn to single-member LLCs and gig-economy workers. If you work for yourself, now is the time to take stock of your 2025 tax picture. We'll walk through what counts as income, which expenses qualify as deductions, and how to maximize retirement contributions before the year wraps up.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 22, 2025  |  Season 39, Episode 47Timestamps and Chapters5:39: Gravy, Gobble, and Grocery Bills13:47: Earnings, Rates & Market Trends26:37: 50-Year Home Stretch41:31: Solo but Smart: Year-end Financial Moves for Your LLCFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

As we close in on year-end, this week's “Henssler Money Talks” tackles three financial decisions that can make a major impact on your long-term plan. First, before you write that last charitable check of 2025, make sure you're doing it strategically. We break down the evolving charitable giving rules—from updated deduction limits to how Qualified Charitable Distributions and Donor Advised Funds can help you give more efficiently. Whether you donate regularly or ramp up your giving at year-end, understanding these rules can help you maximize both your impact and your tax benefit. Next, we dig into a question many listeners are asking: Should you stop saving and pay off the mortgage before retirement? While being debt-free sounds great, it may leave you “house-rich and cash-poor.” We unpack the trade-offs, including how mortgage rates compare to long-term investment returns, the risks of cutting back on 401(k) contributions, and why carrying some debt into retirement may actually support your overall financial flexibility. Finally, we explore the recommended “order to savings”—and why it's not a one-size-fits-all formula. From employer retirement plans to Roth IRAs to taxable brokerage accounts, where you save first can depend on your goals, timeline, and tax picture. We break down the most common prioritization framework and help you think through the right path for your personal situation. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 15, 2025  |  Season 39, Episode 46 Timestamps and Chapters 7:35: Smart Strategies for 2025 Charitable Contributions 21:32: Stop Saving to Pay Off the House? Let's Talk About It.26:58: Your Savings, Your Strategy: Where to Start 38:17: Shutdown Ends, Earnings Season and Selling NVIDIA Follow Henssler:Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/TikTok: https://www.tiktok.com/@hensslerfinancial?lang=enX: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Hold on—K.C.'s fired up! He can't watch football because Disney and YouTube are at war over money. ESPN, ABC, SEC Network—all gone from YouTube TV. Disney says it's about fair value; YouTube says it's about protecting customers. So, what's really going on in this streaming standoff—and how many streaming subscriptions will K.C. have when the dust settles?Meanwhile, the markets are digesting a lot at once: a Fed rate cut, one of the strongest earnings seasons in years, and the longest government shutdown in history, which has stalled key economic data. Historically, shutdowns haven't hurt performance, but this time, timing matters. With more than 80% of S&P 500 companies beating expectations and no fresh reports to guide policy or sentiment, we ask—how much longer can this rally keep its footing?After the break, we tackle how many Americans are trapped by their biggest asset: their homes. And not because of mortgage rates, but because of capital gains. In our example, a widow faces more than $100,000 in capital gains tax if she sells. That's the “lock-in effect” of a $250,000 home-sale exclusion that hasn't changed in nearly 30 years. We'll break down what that means for “everyday millionaires” and explore planning tools like QPRTs, the step-up in basis, or even paying the tax strategically that can make a difference.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 8, 2025  |  Season 39, Episode 45Timestamps and Chapters4:22: Paying More for Less: Inside the Disney–YouTube Dispute19:09: No Data, No Problem? Markets Digest Fed, Earnings, and Shutdown35:07: Stuck in Your Home? How Capital Gains Taxes Can Hold You BackFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Faiza Venzant, CVA, Executive Director of the Council for Certification in Volunteer Administration (CCVA) and Principal Investigator with the Assessing Diversity and Equity in Volunteer Inclusion project.With over 25 years of leadership experience in volunteer engagement, Faiza brings both a global and deeply personal perspective to the nonprofit sector. In one of the final interviews of the year, Faiza sits down with Swim to get her perspective of the state of nonprofits in Canada and the U.S., the wave of layoffs across the sector, and the question that never seems to go away: Are volunteer administrators truly being valued?Faiza even gets candid about what she doesn't like seeing in the nonprofit space right now, why DEI is not dead, what keeps her up at night as an Executive Director, and why she wants to see everyone win.Whether you lead volunteers, fund programs, or are just passionate about community impact, this is an episode you'll want to hear.Key Topics:The current state of nonprofits in North AmericaWhy layoffs are hitting the sector so hardThe respect (and reality) of volunteer management rolesBalancing identity between the personal and professionalIs DEI dead?What keeps nonprofit leaders awake at nightReal-world advice for emerging nonprofit leadersMore about Faiza Venzant, CVA. Faiza Venzant is the Executive Director of the Council for Certification in Volunteer Administration.With 25 years of leadership in volunteer engagement, Faiza has been recognized for excellence with numerous awards, including the 2022 June Callwood Outstanding Achievement Award for Voluntarism. She's also a published author and passionate advocate for improving equity, access, and representation across volunteer leadership.Learn more at www.cvacert.orgLearn about Faiza and her team here: https://cvacert.org/our-team/

It's listener Q&A time! We're tackling your biggest financial questions—from family feuds to smart giving strategies. What happens when your children don't get along, but they all stand to inherit? Estate planning attorney Kyle Rinaudo of Reeves Law PC joins us to discuss one of the most emotionally charged financial topics: how to structure your estate plan when family relationships are strained. We'll cover choosing a neutral executor, using a no-contest clause, and even when it may make sense to disinherit a child.Next, we explore appreciating and depreciating assets—and how understanding the difference can strengthen your financial foundation. We'll show you how to spot wealth-building opportunities, avoid value traps, and make smarter long-term choices.We'll also answer listener questions about proxy voting and donor-advised funds—a charitable giving tool that lets you give now, decide later, and save on taxes today.Whether you're planning your legacy, building wealth, or just looking to make your money work harder, this episode is packed with practical advice and real-world insight.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — November 1, 2025  |  Season 39, Episode 44Timestamps and Chapters6:01: Can Your Estate Plan Keep the Peace?31:19: Assets Working for You and Assets Working Against You40:05: One Share, One Vote— Shareholder Rights 44:02: The Giving Tool You're Not Using (But Should)Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

 Think your home's title is safe? Think again. Scammers are stealing property ownership right out from under homeowners—sometimes without them knowing until a foreclosure notice arrives. This week on “Henssler Money Talks,” we uncover the growing threat of home title theft, how it happens, and what you can do to protect yourself. Meanwhile the government shutdown drags into its fourth week, Congress can't seem to break the stalemate, and an Amazon cloud outage exposes the internet's dependence on a few cloud giants. We'll break down what these headlines mean for investors and the markets. Finally with Europe's valuations looking attractive and the euro undervalued, Morgan Stanley sees European equities outperforming U.S. markets in 2026. We'll examine that outlook, discuss ways to gain exposure to Europe, and consider how global diversification fits into a well-rounded portfolio. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — October 25, 2025  |  Season 39, Episode 43 Timestamps and Chapters 6:12: Home Sweet… Stolen? Understanding Title Theft 26:36: Senate Stalemate and Server Crashes 42:51: Going Global: Is Europe Calling Your Portfolio? Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Brad Watts, the director of marketing for CVA, joins me on the show to talk about the diverse array of muzzleloaders and rifles CVA produces. Of note, CVA currently produces a number of rifles in more esoteric cartridges like 35 Whelen, 444 Marlin, and 400 Legend. Not only that, but they also produce other rifles and muzzleloaders that are in compliance with very specific hunting regulations in states like Idaho, Illinois, Iowa, Louisiana, and Oregon. And finally, they also produce plenty of more conventional rifles and muzzleloaders as well. We discuss this in more detail during this interview along with the specifics of their current production rifles and muzzleloader and what sets the company apart from competitors in the industry. Sponsor: Sign up here to receive a 10% off promo code for all products CVA sells directly from their web site (including their rifles, muzzleloaders, and accessories). Join the Big Game Hunting Podcast tribe and get access to all my bonus material (including a larger 15% off CVA discount code I provide to Patrons at the highest level of support) at www.patreon.com/biggamehunter  In this episode of The Big Game Hunting Podcast, host John McAdams sits down with CVA director of marketing Brad Watts to discuss CVA muzzleloaders and rifles in detail. They dive deep into the various hunting rifle and muzzleloader models the company makes, what sets them apart from the competition, and how they offer firearms for hunters in states with very specific regulations (like Idaho and Illinois). Their takeaway? CVA produces rifles and muzzleloaders that offer an exceptional value to their customers and are suitable for many different situations. Please hit that “SUBSCRIBE” or “FOLLOW” button in your podcast app to receive future episodes automatically! Resources Check out the CVA web site & follow them on Facebook, Instagram, & YouTube

Ever wondered if being “nice” at work could actually be making everything worse? Picture this: a leader so shielded by everyone's politeness that a single, cringeworthy comment in the halls of Congress nearly tanks a $9 million deal—while everyone else sits silent, protecting comfort over honesty. Turns out, our obsession with not rocking the boat isn't just awkward... it can be downright destructive. But here's the twist: the real danger isn't ego or greed. It's this sneaky, everyday culture of niceness that's quietly costing us big—more than we realize. So what's the true price we pay for keeping the peace, and how can we start to flip the script? In this episode, you will be able to: Discover how the impact of niceness in workplace culture can quietly shape team dynamics and influence overall success. Unlock the keys to building psychological safety that encourages genuine conversations and boosts team confidence. Understand the hidden consequences of avoiding conflict at work and how it can stall growth and damage trust. My special guest is Amira Barger Amira K.S. Barger, MBA, CVA, CFRE is an award-winning communications and change management executive, author, and professor. She counsels Fortune 500 companies at the intersection of health equity, diversity, and trust. A scholar-practitioner with over 20 years of experience, Amira is also a marketing and change management Professor at California State University East Bay, shaping the next generation of leaders. Her forthcoming book, The Price of Nice: Why Comfort Keeps Us Stuck—And 4 Actions for Real Change (Berrett-Koehler, Oct 2025), critiques the cultural costs of “niceness” in the workplace and offers a roadmap toward equity-driven leadership. Amira's thought leadership appears regularly in outlets such as MSNBC, Fast Company, and Nonprofit Quarterly. Raised on the island of Guam, Amira brings a global perspective, a deep commitment to public health, and a belief in building humanity-centered workplaces. The key moments in this episode are:00:01:00 - Navigating Niceness and Conflict Avoidance in the Workplace 00:04:00 - Bringing a Global Mindset to American Workplace Culture 00:08:00 - Understanding and Challenging Sacred Cows in Organizations 00:12:00 - The Cost of Comfort Over Candor in Leadership 00:13:32 - The Troubling Relationship Between Silicon Valley and Washington D.C. 00:15:12 - The Ladies Who Lunch: Power, Influence, and Performative Philanthropy 00:20:21 - Niceness, Leadership, and the Risks of Capitulation in Modern Organizations 00:22:58 - Challenging Stories and Leadership Narratives to Foster Change 00:25:25 - Vacation Hair and the Cost of Being Nice: A Personal Leadership Lesson 00:26:38 - Childhood Lessons on Speaking Truth and Its Consequences 00:28:17 - The Matching Principle and Effective Communication Types 00:31:37 - Navigating Voice and Nerve in Challenging Workplace Contexts 00:33:52 - Building Psychological Safety as a System in Organizations 00:37:53 - The High Price of Silence and Retaliation in the Workplace Find and follow Amira Barger on all social media platforms using the handle @amirabarger and visit amirabarger.com for information about her speaking engagements, book tour, and communications/propaganda analysis class on TikTok. Pre-order Amira Barger's book, The Price of Nice, to learn more about her insights and strategies for challenging workplace culture Connect on ⁠Substack⁠ at loriadamsbrown.substack.com to access behind-the-scenes content, exclusive in-depth articles, and become a paid subscriber for additional benefits. Linkedin YouTube Patreon Subscribe, leave a review, and share this episode If you need professional help, such as therapy: https://www.betterhelp.com/difference Masterclass on Master the Career Pivot: https://www.loriadamsbrown.com/careerpivot Difference Makers who are podcast listeners get 10% offf with the code: DIFFERENT Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Swim sits down with Dana Litwin, CVA, an internationally recognized consultant and speaker, to talk candidly about the current state of nonprofits in America. Dana brings her trademark honesty and humor to a conversation that touches on layoffs, financial pressures, and what she's hearing from nonprofit leaders across the country.Dana also dives into the growing “second job” phenomenon among nonprofit professionals, the realities of running a consulting business in 2025, and how organizations are rethinking volunteer engagement. Whether you're inside the sector or eyeing a leap into consulting yourself, this episode offers both perspective and practical advice.And of course — Dana wraps things up with a #NonprofitHorrorStory you won't want to miss.Topics Include:Dana's 2025 nonprofit State of the Union reflectionWhat layoffs and “#OpenToWork” trends say about the sector's healthWhy side hustles are becoming survival toolsThe art (and grind) of consulting for impactDana's advice for aspiring consultants and future leadersReady to connect with Dana?Visit her website right here: https://www.danalitwinconsulting.com/Learn more about Dana's background here: https://www.danalitwinconsulting.com/aboutListen to the interview I did with Dana here on her YouTube channel: https://youtu.be/-YZtS0FJsxY?si=e5MlArSAJIy4_hESLearn more about GLAZA, the nonprofit Dana discussed in the episode here: https://www.yahoo.com/news/inside-l-zoos-messy-50-100000216.htmlListen now:

Markets found their footing this week as optimism returned over U.S.–China trade talks. With the government shutdown putting key economic data on hold, investors are turning their attention to a strong start for third-quarter earnings.We're also diving into a major regulatory shift under discussion at the SEC, where Chair Paul Atkins says he's “fast-tracking” President Trump's proposal to make quarterly earnings reports optional. Could semiannual reporting cut costs and reduce short-term thinking—or leave investors in the dark? We'll unpack what fewer updates might mean for portfolio transparency and market volatility.Then, we take a closer look under the hood at Tesla. From affordable Model Y releases to ambitious projects like the Optimus humanoid robot, the company keeps making headlines—but does the stock meet the Henssler Investment Criteria? Our experts discuss whether Tesla's innovation justifies its valuation, or if hype is driving the story.And finally, seniors, listen up! Starting in 2025, new deductions could mean big tax savings—but only for the next four years. . We'll share strategies for those over 65, from Roth conversions to charitable giving tactics. Learn how to make the most of the $6,000 per taxpayer bonus deduction, the senior deduction, and your standard deduction while the window is open. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — October 18, 2025  |  Season 39, Episode 42Timestamps and Chapters 7:03: Shutdown Silence, Market Buzz13:07: Transparency or Trouble22:40: Innovation or Overvaluation40:26: The 4-Year Tax WindowFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

 With the government still halted, economic news has been sparse—but markets seem to be shrugging off the shutdown, showing relatively subdued moves. Still, it's spooky season, and we're digging into just how much Americans spend on Halloween—from the 12-foot lawn skeletons to the endless bags of mini-Snickers. With spending expected to hit record highs this year, we ask: where are all those giant decorations stored the other 11 months of the year? Could this be why storage units are in such high demand? We break down the economics of Halloween—and what our obsession with spooky décor says about consumer behavior. Meanwhile, OpenAI—the creator of ChatGPT—is pouring billions into data centers and infrastructure to power the AI revolution, driving a surge in construction, power generation, and tech development. But there's one catch: OpenAI isn't yet profitable. Investors are betting big on future returns—but what happens if the AI boom cools off or takes longer to deliver? Who foots the bill for all that power and expansion? AI may feel like a sure bet, but there are plenty of financial “what-ifs” to consider. And in our final segment, we tackle a listener's big question: How do I make sure my money lasts through retirement? We explore how spending shapes your financial plan, the importance of cash flow projections, and why revisiting your plan regularly can keep you on track. Plus, we share how we determine a client's “maximum spending” threshold—and what it means if you're getting too close to that line. Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — October 11, 2025  |  Season 39, Episode 41 Timestamps and Chapters 4:18: Shrugging off a Shutdown 7:15: Cost of Keeping it Creepy 18:19: The AI Boom: Smart Bet or Costly Hype? 41:10: Out of Money or Out of Time? Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

If you've been listening to our show for any length of time, you know how important the CVA brand is to me personally and to our mission here at Christian Outdoors. CVA was the first company to believe in us and to invest in us and we will always be grateful to them.  But we don't align ourselves with just any company who will write a check, they have to have the same values and be companies of strong character and innovation. As a muzzleloader hunter, I know that CVA has long led the way in Muzzleloader tachnology, advancements and innovation.  Today on this show we are announcing another line of Muzzleloaders that will change the game again.  The Endura line of muzzleloaders is the first muzzleloader in the CVA line that is capeable of firing both the Blackhorn 209 blackpowder as well as smokeless powder. CVA has tested a host of smokeless powders and charges and have developed specific powders and charges that are recommended and the Endura can withstand the pressuers of these powder charges.  If you ever wanted a muzzleloader that will shoot accurately 400, 500 or 600 yards and take game ethically, the new Endura from CVA is the gun for you. And to top it off, the price point is signifiantly less than anything else out there.  Tony Smotherman the indusrty expert on Muzzleloaders joins us today to discuss the details of the Endura from CVA.   www.cva.com/endura  www.taurususa.com www.cva.com www.himtnjerky.com www.murrelloptics.com www.jumpmedic.com www.christianoutdoors.org www.citrusafe.com www.elimishieldhunt.com  

Stroke (CVA) is very common in women, who have a higher risk than men over their lifetime; one in five women between the ages of 55 and 75 will experience a stroke. Stroke is a significant concern for women's health, being the third leading cause of death and causing more deaths than breast cancer. While systematic estrogen containing menopausal HT has been considered contraindicated in those with prior CVA history, is local/vaginal E2 therapy safe? A new population-based study gives us some insights. Listen in for details.1. Recurrent Ischemic Stroke and Vaginal Estradiol in Women With Prior Ischemic Stroke: A Nationwide Nested Case-Control Study; https://www.ahajournals.org/doi/10.1161/STROKEAHA.125.0509862. NAMS 2022 Position Statement; chrome-https://menopause.org/wp-content/uploads/professional/nams-2022-hormone-therapy-position-statement.pdf3. Stroke News & Brain Health | Published: August 21, 2025; https://newsroom.heart.org/news/vaginal-estrogen-tablets-may-be-safe-for-postmenopausal-women-who-have-had-a-stroke4. https://www.obgproject.com/2022/11/21/north-american-menopause-society-releases-2017-hormone-therapy-statement/5. https://www.goredforwomen.org/en/know-your-risk/risk-factors/risk-of-stroke-in-women-infographic#:~:text=Stroke%20in%20U.S.%20Women%20by,risk%20decreases%20in%20women%20who: