Podcasts about Diversification

In this episode of The Vinney and Beau Show, Vinney and Beau dive into what really separates experienced investors from the rest—especially when markets feel uncertain. With stocks swinging, interest rates shifting, and headlines creating noise, they break down how seasoned investors stay calm, focused, and intentional.   This is an honest conversation about navigating cycles, avoiding emotional decisions, and understanding where real opportunity shows up when others hesitate.   They cover key ideas that are shaping today's investor mindset, including:

First, Liz Ann Sonders and Kathy Jones discuss the current state of the markets, focusing on the recent Federal Reserve meeting, the reaction of the bond market, and insights from the ongoing earnings season. Then, Kathy Jones is joined by Jack Schwager, author of the bestselling book Market Wizards: Interviews with Top Traders. Jack then discusses a few of the most important lessons he has learned from interviewing elite traders: risk and money management outweigh methodology; flexibility is essential; and understanding how markets have evolved. He and Kathy also discuss the rarity of exceptional performance and the clear distinction between trading and investing.Jack Schwager's latest book, Market Wizards: The Next Generation, will be published in June 2026.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThe comments, views, and opinions expressed in the presentation are those of the speakers and do not necessarily represent the views of Charles Schwab.This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.Diversification strategies do not ensure a profit and do not protect against losses in declining markets.Currency trading is speculative, very volatile and not suitable for all investors.Short selling is an advanced trading strategy involving potentially unlimited risks, and must be done in a margin account. Margin trading increases your level of market risk. For more information please refer to your account agreement and the Margin Risk Disclosure Statement.Futures and futures options trading involves substantial risk and is not suitable for all investors. Please read the Risk Disclosure Statement for Futures and Options prior to trading futures products.The books Complete Guide to Futures, Market Wizards, Market Wizards: Interviews With Top Traders, and Market Wizards: The Next Generation, Market Sense and Nonsense, are not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Charles Schwab & Co., Inc. (CS&Co.) has not reviewed the books and makes no representations about their content.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions(0126-4MFP)  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Progress seemed possible to keep a government shutdown relatively short, and investors await wholesale price data. They also mull Apple results and check the tank on oil earnings.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Making money from multiple offers sounds like progress until none of them move the needle. More streams often create more noise, not more scale.

The markets paused along with the Fed yesterday but focus today is on earnings released late Wednesday by three mega-caps. Apple reports later. Meta and Tesla rose after results.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Le sujet :L'industrie financière a transformé l'investissement en produit de grande consommation : private equity à 1 €, gestion passive, ETF, DCA automatisé… Mais cette démocratisation cache un piège redoutable : des idées reçues qui vous poussent à investir sans vous poser les bonnes questions.L'invité du jour :Mathieu Vaissié est directeur associé de Ginjer AM et chargé de cours en gestion d'actifs à l'Université Paris-Dauphine.Au micro de Matthieu Stefani, il déconstruit 10 croyances populaires qui vous font perdre de l'argent. En voici 5 :La volatilité n'est pas le vrai risqueLa diversification dilue les gains potentielsLes frais bas ne garantissent pas la performanceLe DCA vous fait manquer les meilleures opportunitésLes thématiques populaires sont les pires investissementsPréparez-vous à remettre en question tout ce que vous croyiez savoir sur l'investissement.Ils citent les références suivantes :Le compte Instagram L'Esprit CritiqueLe livre de Shane Parrish, Penser avec clartéL'étude SPIVAL'étude "Mind the Gap US 2025" de MorningstarAinsi que d'anciens épisodes de La Martingale :Le premier épisode de Mathieu Vaissié dans La Martingale : #63 Gérer ses risques, de la théorie à la pratiqueOn vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.Merci à notre partenaire Louve Invest, l'assurance-vie aux frais les plus bas du marché*.Bénéficiez de 0,35% de frais de gestion à vie sur les supports en unités de compte jusqu'au 14/02 : https://lp.louveinvest.com/offre-av-la-martingale*Source : Benchmark de novembre 2025 réalisé par Les Echos Études.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode of the Breakfast Leadership Show, Michael sits down with Chris Kline, Co-Founder and CRO of BitcoinIRA, to unpack what it really takes to build long-term wealth in an economy where traditional retirement systems are no longer guaranteed. Chris shares the unfiltered origin story of BitcoinIRA, from leaving Colorado for Los Angeles, living in a motel, and grinding through long days, to scaling the company into a platform serving more than 200,000 users and managing over $12 billion in assets. Along the way, he reflects on the leadership tension between scaling complexity and the clarity of early-stage simplicity. The conversation expands into the broader retirement crisis facing North America. With pensions disappearing and nearly half of Americans not actively participating in retirement planning, Michael and Chris challenge listeners to rethink responsibility, ownership, and strategy when it comes to long-term financial security. They explore how Bitcoin fits into a modern, diversified portfolio, not as a speculative gamble, but as an alternative asset shaped by scarcity, adoption, and long-term macro trends. The discussion covers due diligence, dollar-cost averaging, portfolio diversification, and the persistent myth that Bitcoin is inaccessible due to price, despite the ability to invest fractionally. Beyond Bitcoin, the episode addresses the importance of diversified income streams. Michael and Chris share real-world examples of building resilience through multiple revenue channels, passive income strategies, and investments across traditional markets, AI, defense, and digital assets. The message is clear: in an uncertain economy, relying on a single paycheck is a structural risk. The episode closes with a reminder that leadership extends beyond business. Chris shares a personal story about his daughter's passion for helping others, reinforcing the idea that purpose, curiosity, and long-term thinking are skills worth teaching the next generation. Listeners also learn about a limited-time BitcoinIRA incentive, including a $1,000 reward for new accounts opened before April 15th, designed to encourage proactive retirement planning. This is a grounded, practical conversation for anyone thinking seriously about financial resilience, leadership, and building a retirement strategy that reflects today's economic reality, not yesterday's assumptions. http://bitcoinira.com/breakfastleadership

After a relatively quiet start to the calendar today, things get crowded starting with the Fed's 2 p.m. rate decision and then three mega-cap earnings reports after the close.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Don and Tom kick off the show with weekend banter and nostalgia about checkbooks before diving into why buying and selling a home remains one of life's biggest—and most misunderstood—financial decisions. Using a Wall Street Journal quiz, they explore smart pricing, commission negotiations, low-cost home improvements, inspections, seasonal pricing patterns, and even haunted-house disclosures. Along the way, callers ask about life insurance planning, tax-managed accounts, umbrella insurance, and retirement income strategy. The episode emphasizes realistic expectations, low-cost investing, diversification, and avoiding unnecessary fees, while reminding listeners that simple, disciplined decisions usually beat flashy financial “solutions.” 0:04 Weekend open, call-in invite, “no annuity” guarantee, check-writing nostalgia 1:24 Don discovers last checks were written in 2019–2021 2:45 Home buying/selling as life's biggest transaction 3:20 Overpricing your house and “it's worth what someone pays” 4:24 WSJ real estate quiz: pricing strategy in slow markets 6:14 Break, banter, and commission quiz setup 7:04 Real estate commissions are negotiable 8:10 Selling by owner and staging realities 9:14 Caller Dustin: debt-free at 27, life insurance, DIY vs advisors 12:41 Planning for life insurance proceeds and beneficiaries 14:06 Zillow estimates and home values 14:43 Caller Joey: SMAs and tax-loss strategies 17:31 Capital gains, housing exemptions, and SMA practicality 19:16 Caller Beth: umbrella insurance for homeowners 22:02 Caller Ron: retirement income, stable value funds, RMDs 25:06 Diversification beyond the S&P 500 26:50 Returning to WSJ real estate quiz 27:43 Best ROI upgrades: paint and curb appeal 28:23 Pre-listing inspections 29:44 When home prices peak (June) 31:09 Haunted houses and disclosure laws 33:43 Listener portfolio: AVGE, AVGV, bonds Learn more about your ad choices. Visit megaphone.fm/adchoices

Jonathan Crystal, Managing Partner at Crystal Venture Partners, talks about investing in early-stage AI-driven insurtech companies. After leading his family's insurance brokerage to a successful exit, Jonathan launched his $33M fund when he realized AI was the catalyst insurance had been waiting for. He explains why entrepreneurship means "dooming yourself to years of terror," and why the best investments happen when founders identify problems before revenue models. With investments in companies like Bright Harbor, which helps families navigate disaster recovery, Jonathan explains how domain expertise enables conviction at day one—when there's no product, just a founder with an audacious vision.In this episode, you'll learn:[02:14] From Texas to Princeton to building an insurance dynasty in New York[04:04] Why insurance rewards creativity and curious minds[07:24] The brutal truth: 99% of a VC's job is saying no[10:31] Exiting the family business and finding the "why now" moment for venture[12:10] The ChatGPT revelation that launched Crystal Venture Partners[14:13] Investment thesis: $1-3M checks at day one for transformational companies[19:11] Why building a venture company means years of terror—and that's the test[21:59] Bright Harbor case study: From revenue model questions to product-market fit during LA fires[25:30] Most common reason for no: "We're not your best source of capital"[29:40] Finding investment opportunities in unusual areasThe nonprofit organization Jonathan is passionate about: 12/64About Jonathan CrystalJonathan Crystal is the Managing Partner of Crystal Venture Partners, a $33 million early-stage venture fund focused on AI-driven transformation in the insurance industry. Before entering venture capital, Jonathan spent 20 years as an operator in the insurance brokerage business, ultimately serving as CFO of Crystal and Company, a top-25 national insurance brokerage firm founded by his family. He led the firm to a successful exit to Alliant Insurance Services in 2018. Jonathan brings deep domain expertise and company-building experience to his investments. He backs seasoned, often serial entrepreneurs building transformational companies, writing $1-3 million checks as early as day one. His portfolio includes companies like Bright Harbor, Sixfold AI, NevadoAI, Comulate, and Corvus Insurance.About Crystal Venture PartnersCrystal Venture Partners is a $33 million early-stage venture capital firm founded in 2022 to capitalize on the AI transformation of the insurance industry. The firm writes $1-3 million first checks, often as the first institutional investor or alongside other first institutional investments. Crystal Venture Partners invests in 4-6 companies annually from a pipeline of 300+ opportunities, maintaining a highly selective approach with domain expertise enabling conviction at the earliest stages—sometimes backing founders on day one before product development. The firm's portfolio of 10 companies has shown strong momentum, with over half securing follow-on financing in multiple rounds within a year of initial investment. Led by Jonathan Crystal, who brings two decades of insurance industry operating experience, the firm specializes in identifying transformational opportunities where AI can create and capture significant value in risk management and insurance markets.Subscribe to our podcast and stay tuned for our next episode.

Let help uncork your memoir through a 12 week memoir mentorship program: https://mikecarlon.com/memoir-cohorts/ “People can see themselves in Jane's journey — that everyday person who realizes they can build wealth by investing in entrepreneurs.” In this episode of Uncorking a Story, Mike welcomes back Karen Rands, leader of the Compassionate Capitalist Movement and author of Inside Secrets to Crowdfund Investing. Karen shares how her decades in angel investing inspired her newest book, a relatable, story‑driven guide that follows “Jane,” a fictional but very real composite of the many people yearning for a smarter, more meaningful way to invest. Karen breaks down the wealth‑building power of equity crowdfunding, why everyday people (not just the ultra‑wealthy) can become investors, and how purpose, passion, and profit can, and should, align in your investment strategy. Key Themes: Angel investing isn't as exclusive as people think. Karen explains that despite being around for 80+ years, most people — even wealthy professionals — have never heard of angel investing or equity crowdfunding. Her newest book teaches through storytelling. Unlike her dense first book, Karen's new one follows “Jane,” a fictional every-person who learns how to invest responsibly and thoughtfully in entrepreneurs. Crowdfund investing is accessible. You don't need $25K checks to get started — many platforms allow investments as small as $100 to $2,000, making it a real option for non‑accredited investors. Diversification is the secret weapon. Karen warns that the “kiss of death” is investing in only a few deals. Building a portfolio across stages, industries, and structures is essential. Emotion kills good decision‑making. Her advice: don't chase excitement. Learn the fundamentals, understand your criteria, and avoid investing purely on impulse. Anyone can start learning — today. From her book to her crowdfunding e‑book, upcoming webinars, and the new Compassionate Capitalist Academy, Karen offers plenty of ways to get educated. Buy Inside Secrets to Crowdfund Investing Amazon: https://amzn.to/4qkzukM Connect with Karen Website: https://karenrands.co/ YouTube: https://www.youtube.com/@angelinvesting Facebook: https://www.facebook.com/TheKarenRands/ Instagram: https://www.instagram.com/compassionatecapitalist/ LinkedIn: https://www.linkedin.com/in/karenrands/ Tiktok: https://www.tiktok.com/@compassionatecapi?_t=8q14kyaqCHO&_r=1 Connect with Mike Website: https://uncorkingastory.com/ Youtube: https://www.youtube.com/@uncorkingastory Instagram: https://www.instagram.com/uncorkingastory/ Facebook: https://www.facebook.com/uncorkingastory TikTok: https://www.tiktok.com/@uncorkingastory Twitter: https://twitter.com/uncorkingastory LinkedIn: https://www.linkedin.com/company/uncorking-a-story/ If you like this episode, please share it with a friend. If you have not done so already, please rate and review Uncorking a Story on Apple Podcasts, or wherever you get your podcasts. #AngelInvesting #CrowdfundInvesting #CompassionateCapitalism #Entrepreneurship #WealthBuilding #InvestmentStrategy #ImpactInvesting #AuthorInterview #UncorkingAStory Learn more about your ad choices. Visit megaphone.fm/adchoices

A Fed meeting starts today with little chance seen of a rate move. Meanwhile, 90 S&P 500 companies line up to report this week including Boeing and General Motors this morning.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textFinal episode of Inside the Family Office: Live Investor PanelReal family office practitioners and allocators share how they structure deals, protect families, and think about wealth:  Investor Brian closes the panel with stories and principles from decades of real estate and business building – starting with an 8x return on a 4-H piglet as a kid. He breaks down how he bought distressed Phoenix property at a fraction of replacement cost, why you must “run into the burning building” when everyone else is fleeing, and how to avoid piling into yesterday's winners at today's low cap rates. Brian outlines his goal of seven super-pillars of passive income across real estate, private equity, syndicated deals, and options, and shares his non-negotiables for alignment: deep-pocketed partners, operators who only win after investors win, and real skin in the game. The panel ends with a strong reminder to respect other people's capital and only raise money if you're prepared to protect it.

Dr. David Eagleman, PhD, is a neuroscientist, bestselling author and professor at Stanford University. We discuss how to leverage the science of neuroplasticity to learn new skills and information and how accurate and false memories form and are forgotten. We also discuss time perception and why it speeds up or slows down depending on our age and stress level. We cover dreaming and the meaning of visual and other dream content. And we discuss the neuroscience of cultural and political polarization and how to remedy it. This episode provides science-based knowledge and practical tools you can use to enhance learning and better understand your experience of life in the past, present and future. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman Mateina: https://drinkmateina.com/offer Rorra: https://rorra.com/huberman Lingo: https://hellolingo.com/huberman Function: https://functionhealth.com/huberman Timestamps (00:00:00) David Eagleman (00:02:35) Neuroplasticity & Learning; Cortex, Flexibility & Repurposing, Savantism (00:11:07) Sponsors: Mateina & Rorra (00:13:27) Specialization vs Diversification, Practice; Internet & Curiosity (00:22:05) Building a Well-Rounded Brain, Tool: Critical Thinking & Creativity (00:28:18) Neuroplasticity & Adults, Tools: Novelty & Challenge (00:32:41) Neuromodulators & Plasticity, Psychedelics; Directed Plasticity (00:38:50) Sponsor: AG1 (00:39:41) Building a Better Future Self, Tool: Ulysses Contract to Avoid Bad Behaviors (00:50:13) Brain Chatter, Aphantasia & Practice (00:56:57) Specialization vs Diverse Experience, Childhood & Brain (01:00:50) Space & Time Perception, Tool: Space-Time Bridging Meditation (01:06:17) Are We Good at Estimating Time?; Fear, Time & Memory (01:11:23) Sponsor: Lingo (01:12:53) Fearful Situations & Time Perception; Joyful Events & Novelty, Tool: Do Things Differently (01:18:56) Staying in the Present, Mental Illness & Time Domains, Addiction (01:27:09) Social Media, Addiction, Curiosity (01:30:51) Vision & Auditory Deficits, Sensory Substitution, Neosensory Wristband (01:35:26) Sponsor: Function (01:37:13) Sensory Reliance, Echolocation, Potato Head Theory, Sensory Addition (01:41:36) Why We Dream, Vision & Neuroplasticity, REM Sleep, Blindness (01:49:55) Victims, Fear, Memory Drift & Recall, Eyewitness Testimony & Jury Education (01:56:10) Kids vs Adults, Memory Manipulation; Photos (01:59:27) Polarization, In vs Out Groups, Empathy; Fairness (02:06:31) Polarization, Reward vs Punishment; Propaganda, Language, Complexification (02:19:27) Current Projects; Acknowledgements (02:21:44) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we unpack how CLM Search navigated a painful £600k revenue dip to build a resilient, multi-office search firm across London, Austin, and Morocco.Taylor Nathaniel is the Co-Founder of CLM Search and a former 3x Top Biller who previously led a 15-person team to generate £2M annually.Connect with Taylor here: https://www.linkedin.com/in/taylor-nathaniel-779695b4/-------------------------Watch the episode on YouTube: https://youtu.be/DIXmXc2qGvs-------------------------Sponsors - Claim your exclusive savings from our partners with the links below:Sourcewhale - Check Out Sourcewhale & Claim Your Exclusive Offer Here.Atlas - Check Out Atlas & Claim Your Exclusive Offer HereRaise - Check Out Raise & Claim Your Exclusive Offer Here.-------------------------Extra Stuff:Learn more about our online skills development platform Hector here: https://bit.ly/47hsaxeJoin 6,000+ other recruiters levelling up their skills with our Limitless Learning Newsletter here: https://limitless-learning.thisishector.com/subscribe-------------------------Get in touch:Linkedin: https://www.linkedin.com/in/hishemazzouz/-------------------------

After a wild week of geopolitical volatility, investors track mega-cap earnings and a Fed meeting in days ahead, with no rate move seen. Four of the Magnificent 7 report this week.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

A lot of content creators talk about monetization, but very few explain what it actually looks like. In this episode, we chat with Billy Thorpe, who's built a real business around brand deals, shoppable videos, and live selling without relying on a massive audience or viral hits.Billy breaks down why most creators misunderstand brand deals, especially the idea that you need big follower counts to get paid. We dig into what brands really care about: usable content, clear demos, reliability, and why systems matter more than motivation. He also shares how volume, when done with repeatable formats and smart workflows, leads to income that compounds instead of burning you out.We also get into live selling, AI, platform risk, and why “maybe money” from algorithms should never be your only plan. This conversation is a reality check for creators who want to stop guessing and start building something boring, stable, and sustainable… on their own terms.Key TakeawaysBrand deals don't require big audiences: Brands pay for clear demos, reliable delivery, and usable content, not follower counts.Volume works when systems exist: Burnout comes from chaos, not from publishing more content.Batching removes decision fatigue: Pre-deciding formats and workflows makes consistency easier.Assets matter more than analytics: A portfolio of finished content closes deals faster than pitch decks or dashboards.Live selling scales trust: One-to-many selling builds confidence faster than one-to-one sales.Don't build on one platform: Algorithms, payouts, and rules change without warning. Diversification protects you.AI should support, not replace you: Use it for structure and clarity, not fake opinions or avatars.ResourcesBilly Thorpe: https://billythorpe.liveBilly's Dealmakers Community is FREE to join right now! Check it out! ----------------------Check out all the fun things The Unsinkable Conor Brown has going on at: https://www.vacationkingdoms.com/----------------------Ecamm - Your go-to solution for crafting outstanding live shows and podcasts. - Get 15% off your first payment with promo code JEFF15SocialMediaNewsLive.com - Dive into our website for comprehensive episode breakdowns.Youtube.com - Tune in live, chat with us directly, and be part of the...

In this conversation, Liz Ann Sonders and Kathy Jones discuss the current state of the markets, focusing on the implications of tariffs, global economic influences, and the dynamics of the bond market. They explore evergreen strategies for navigating market volatility, emphasizing the importance of disciplined investment approaches. The discussion also touches on inflation expectations, the Federal Reserve's policies, and insights into the potential risks and opportunities for investors.You can read Kathy and Collin's article about the fixed income markets here: "The Bond Market in 2026: What Could Go Wrong?"On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.Currency trading is speculative, very volatile and not suitable for all investors.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Diversification, asset allocation, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions(0126-1900) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Intel initially dropped after better-than-expected results but disappointing guidance. Investors prepare for several Magnificent Seven earnings and a Fed meeting next week. Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth For decades, the 4% rule has been used as a simple guideline for retirement spending—but it was never meant to be a guarantee. In this episode, Tyler Emrick, CFA®, CFP®, will revisit the research behind the 4% rule and explore new findings from its creator, Bill Bengen, suggesting that retirees may be able to spend more under updated assumptions. We explain why sequence-of-returns risk matters more than average returns, how thinking in terms of portfolio “runway” can help manage downturns, and why dynamic withdrawal strategies often lead to better long-term outcomes. If you're wondering how much you can realistically spend in retirement, this episode will help you think about it the right way. Here's some of what we discuss in this episode:

Medicare can be confusing when phone calls, mailers, and pop-up offers ramp up. In this episode, Ken Moraif and Medicare specialist Lynn Timm explain practical ways to protect yourself: how unsolicited plan “switch” calls happen, why beneficiary forms and provider networks matter, how Part D changes can affect prescriptions, and why your safest move is working with a trusted, licensed professional who knows your needs and doctors.We cover common missteps that lead to higher premiums, lost drug coverage, or out-of-network surprises and simple steps to check your current plan before you accept any offer over the phone.If this helped, tap Like and Subscribe for more retiree-friendly guidance on Medicare, Social Security, investing, and planning.00:00 – Introduction: How to Avoid Becoming a Medicare Victim01:20 – The Medicare Scam Problem: TV Ads, Phone Calls, and Confusion03:05 – Real-Life Example: How Medicare Plans Get Changed Without Consent05:10 – How Marketers Target Seniors Turning 6506:45 – Illegal & Misleading Practices: What Medicare Will Never Do08:20 – How to Protect Yourself: What to Do (and What Not to Do)10:45 – Key Takeaways + Preview of Part Two on Rising Medicare PremiumsRPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

David Bach joins Steve Chen to discuss the evolution of The Automatic Millionaire and his newest idea, the IRA Flat Tax, which aims to rethink how Americans use their retirement savings. Bach explains that decades of automation have helped millions accumulate wealth, but most retirees now delay spending their money until required minimum distributions, leaving trillions of dollars idle. He proposes a limited window allowing early retirement withdrawals at a flat tax rate to encourage spending, improve retiree quality of life, and stimulate the economy. The conversation also explores the difficulty of shifting from saving to spending, the importance of enjoying wealth while health allows, and how AI is reshaping financial planning without replacing the need for human guidance, reinforcing Bach's long-held belief that money is ultimately a tool to support a better life.

With the markets once again experiencing volatility, Peter and Charlie walk through what's causing fear today and discuss what investors should expect in terms of volatility, corrections and drawdowns. Plus, learn what you should do when these periods occur.

Stocks found new strength Wednesday after Tuesday's slide, helped by positive geopolitical news. Today brings PCE inflation data in the morning and Intel earnings after the close. Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Le sujet :Les règles d'investissement qu'on vous répète en boucle (« diversifiez », « ne timez pas le marché », « achetez votre résidence principale ») sont-elles vraiment pertinentes dans la vraie vie ?L'invité du jour :Après 300 épisodes de La Martingale, Nicolas Chéron confronte la théorie à la réalité et explique pourquoi investir est passé d'un luxe pour s'enrichir à une obligation pour survivre économiquement.Découvrez :Pourquoi la théorie ne marche pas dans la vraie vieFaut-il vraiment acheter sa résidence principale ?Bitcoin va-t-il tendre vers zéro ou vers l'infini ?La France, un paradis fiscal pour les investisseursPourquoi investir est une nécessité et non un luxeIls citent les références suivantes :Les chaînes YouTube de Brian Feroldi, Mathieu Louvet et Guillaume SimoninAinsi que d'anciens épisodes de La Martingale :#64 – Devenir riche lentement mais sûrement#218 – Comment investir en période de crise ?#277 - ChatGPT vs CGP : qui gère le mieux votre argent ?On vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.Merci à notre partenaire Louve Invest, l'assurance-vie aux frais les plus bas du marché*.Bénéficiez de 0,35% de frais de gestion à vie sur les supports en unités de compte jusqu'au 14/02 : https://lp.louveinvest.com/offre-av-la-martingale*Source : Benchmark de novembre 2025 réalisé par Les Echos Études.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Cullen Roche has written a book called Your Perfect Portfolio (0:15). Navigating this current environment (4:20). Investing timelines for different ages (9:50). Factor investing styles (40:30). Concerns and questions for 2026 - risk is what we don't know (44:00).Sign up for our Investing Experts live event on January 27: Top Ideas for 2026Show Notes:The Good Enough PortfolioDiscipline FundsRead our transcriptsFor full access to analyst ratings, stock and ETF quant scores, and dividend grades, subscribe to Seeking Alpha Premium at seekingalpha.com/subscriptions.

Strong earnings haven't been able to buoy U.S. stocks with investors rattled by tariff rhetoric amid President Trump's push to acquire Greenland. Johnson & Johnson on deck today.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Earnings season is off to a strong start, but this week's packed reporting calendar and upcoming economic data will test whether the momentum can hold.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Megan chats with Zhen Zhou about surviving a massive traffic hit, rebuilding income through diversification, and rethinking what it really means to build a sustainable food blog. Zhen Zhou downshifted from a corporate track post-MBA to full-time content creation and is loving it. She currently runs three blogs: greedygirlgourmet.com, alovelettertoasia.com, and tjtakesthetrain.com. If your blog has felt like a roller coaster since the HCU, this episode will feel grounding. Zhen shares what happened when her traffic dropped by 70 percent, why she stopped obsessing over Google, and how systems, funnels, and brand clarity helped her move forward without burning out. This is not a silver bullet episode. It is an honest look at adapting in a landscape that keeps changing. Key Topics Discussed: Stop waiting for Google to save you: Relying on one traffic source is no longer realistic and waiting it out keeps you stuck. Diversification works but it is not simple: Running multiple sites helped offset losses but also revealed how much energy different niches require. Pinterest needs a system not hope: Random pinning creates noise while structured testing creates clarity and consistency. Your sub niche matters more than you think: Seasonality and trends behave differently depending on what type of food you actually publish. Traffic without a funnel is fragile: Fewer clicks can outperform big traffic when those clicks lead somewhere intentional. Email challenges outperform free downloads: Inviting people into an experience builds stronger engagement and fewer unsubscribes. Branding starts before colors and logos: A blog needs a reason to exist beyond recipes if you want people to seek you out. Hope is a better strategy than fear: Letting fear dictate decisions leads to paralysis while hope keeps you moving forward. Connect with Zhen Zhou Website | Instagram

The Rule That Broke For a decade, SEO had one simple goal: rank higher than everyone else. That rule just died. Patients are not typing “orthodontist near me” and clicking through five websites anymore. They are asking ChatGPT. They are reading Google AI Overviews. They are using conversational tools that skip the ten blue links entirely. Here’s what most practices have not realized yet. AI search engines do not rank practices. They select them. If you are not selected, you are invisible. Your beautiful website does not matter. Your years of “doing SEO” do not matter. This shift changes everything. Get your Free SEO Audit: https://hip.agency/contact/ Grab your copy of Orthodontic Practice SEO: Amazon: https://www.amazon.com/dp/B0GGBWLBLR Apple: https://books.apple.com/us/book/orthodontic-practice-seo/id6757766846 From Rankings To Recommendations Traditional search worked like a phone book. You searched. You clicked. You compared. You decided. AI search collapses that entire process into one conversation. Instead of forcing patients to research five options, AI tools recommend providers directly. Often just one or two practices. That’s it. This is not a ranking system. It’s a trust system. Google’s AI Overviews answer questions directly at the top of results. ChatGPT does not pretend to be a search engine. It acts like a knowledgeable assistant guiding decisions in real time. When a parent asks, “Who’s the best orthodontist for Invisalign for my teen near me?” the AI does not say: “Here are ten websites. Good luck.” It says: “Based on your needs, I recommend these providers.” If you are not in that answer, you do not get a second chance. Free Growth Session Why Your Old SEO Playbook Just Stopped Working Classic SEO rewarded keywords, backlinks, page optimization, and technical performance. All of that still matters, but it’s no longer enough. AI engines work differently. They summarize instead of list. They cite instead of rank. They select sources instead of pages. Instead of ordering websites by relevance, AI evaluates who appears trustworthy, who demonstrates real expertise, and who can be safely recommended without risk. This explains why some practices with fewer backlinks or lower traditional rankings suddenly appear in AI answers while others with “strong SEO” vanish completely. AI is not asking, “Who optimized best?” It’s asking, “Who do I trust enough to recommend?” The Real Ranking System — Trust Over Traffic Every AI search engine relies on the same decision framework. ChatGPT, Google AI Overviews, Gemini, Perplexity. All of them. They look for three core signals. 1. Topical Authority Do you own the topic, or are you just scratching the surface? One Invisalign page optimized for keywords no longer signals expertise. AI looks for topic ownership. A full ecosystem of content proving you understand the subject from every angle. Cost and financing. Treatment timelines. Comparisons versus alternatives. Maintenance and care. Suitability for teens versus adults. Risks, outcomes, and expectations. If your site answers only one of these, AI assumes you are not the expert. 2. Verifiable Credibility AI does not trust claims. It trusts proof. It actively scans for board certification, recognized provider tiers, awards and “best of” recognition, years in practice, case volume, and external validation. These signals matter more now because AI must justify its recommendations. It cannot guess. 3. External Trust Signals AI does not rely solely on your website. It cross-checks reviews across multiple platforms. Not just Google. Authoritative directories. Press mentions. Industry listings. Community validation. The more independent sources confirm your legitimacy, the more comfortable AI becomes recommending you. Free Growth Session Why One Page Will Never Be Enough Again For years, SEO rewarded focus. Pick a keyword. Optimize a page. Build links. Win. AI rewards depth. When someone asks about Invisalign, AI does not want a sales page. It wants confidence that you are the authority. That’s why topical clusters matter now. One core Invisalign page. Supporting pages on cost, care, timelines, and alternatives. FAQs written in clear, extractable language. Structured formatting AI can easily parse. This is not about writing more content for the sake of content. It’s about removing doubt. AI selects practices that leave no unanswered questions. The Trust Signals That Actually Trigger Recommendations Here’s where most practices fall short. They have credibility. They just do not surface it clearly enough for AI to verify. AI strongly favors practices that explicitly showcase board certification with outbound verification links, awards tied to authoritative publications, review volume across multiple platforms, mentions from high-authority websites, and transparent doctor bios with credentials and education. This is why press placements and authoritative citations now punch far above their weight. A single mention on a trusted outlet can matter more than dozens of generic backlinks. AI recognizes the source. Free Growth Session Being Selected Beats Being Ranked Traditional SEO is competitive. AI visibility is compounding. Once AI begins recommending a practice, it appears repeatedly in similar conversations. Each mention reinforces authority. The practice becomes a default choice. This mirrors early Google SEO, but with fewer spots and higher stakes. In classic search, being number five still meant traffic. In AI search, being number five often means nothing. Only the selected practices win. How To Become The Practice AI Chooses This is not theory. It’s execution. Here’s what actually moves the needle. Shift from pages to topic ecosystems. Own entire treatment categories, not just keywords. Surface credibility aggressively and clearly. Credentials, awards, and experience should be impossible to miss. Expand reviews beyond Google. AI pulls from multiple platforms. Diversification matters. Secure authoritative citations, not random links. Focus on sources AI already trusts. Structure content for AI extraction. Clear headers, FAQs, concise answers, and schema markup. Actively monitor AI recommendations. Search manually. Track visibility. Learn from who’s being selected and why. Free Growth Session Trust Is The New Ranking Factor SEO did not disappear. It evolved. The practices that will win over the next decade are not the ones chasing algorithms. They are the ones building undeniable credibility. AI does not reward clever tricks. It rewards certainty. In a world where patients increasingly let AI guide their decisions, the question is no longer “How do I rank higher?” It’s “Why should AI trust me enough to recommend me at all?” Answer that convincingly, and rankings stop mattering. Free Growth Session The post Your Old SEO Methods Don’t Work Anymore | Here’s Why appeared first on HIP Creative.

What if the biggest lessons that will shape property investing in 2026 have already happened, and we just need to stop long enough to notice them?   Every year leaves clues. Some are obvious in hindsight, others quietly shape the next cycle without anyone paying attention.   And 2025 was packed with more of these clues than most years.   So today, Brett Warren and I unpack the 25 lessons from 2025 that smart property investors should carry into 2026 – the insights that help you cut through the noise, stay focused, and position yourself to thrive regardless of what the economy throws at us.   Takeaways  ·         Every fence in your life has a purpose; understand it before removing it. ·         Media headlines can mislead; focus on long-term strategies instead. ·         Investing is about finance, not just property; have a solid financial plan. ·         Don't follow the crowd; the majority often makes poor investment choices. ·         Diversification is key; don't rely on a single income stream. ·         AI can assist in property research, but human insight is irreplaceable. ·         Demand for property is outstripping supply, creating opportunities. ·         The wealth gap is widening; those who invest will benefit more. ·         Plan for the unexpected; have buffers in place for market fluctuations. ·         2026 is a year of opportunity for strategic investors.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. Everyone wins a copy of a fully updated property report. ·        Everyone wins a copy of a fully updated property report – What's ahead for property for 2026 and beyond.   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au    Get the team at Metropole Wealth Advisory to create a Strategic Wealth plan for your needs. Click here and have a chat with us     Brett Warren - National Director of Property at Metropole     Michael Yardney   Join Brett Warren and Michael Yardney, plus a team of experts, at Wealth Retreat 2026 on the Gold Coast in May. Find out more about it here and register your interest www.wealthretreat.com.au It's Australia's premier event for successful investors and business people.     Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.

In this episode we answer emails from Gregory and Isaiah.  We discuss whether tail-hedged ETFs belong in a retirement portfolio, then map out a cleaner path with Treasuries as recession insurance, a value tilt for equity resilience. We also discuss the problems with relying on voices from popular personal finance unless they are well supported by professional and academic teachings, and the importance of the four quadrant model in understanding correlations and diversification.  We also a practical taxonomy for classifying holdings.And THEN we our go through our weekly portfolio reviews of the eight sample portfolios you can find at Portfolios | Risk Parity Radio.Additional Links:Father McKenna Center Donation Page:  Donate - Father McKenna CenterLinks Page at Risk Parity Radio:  Links | Risk Parity RadioAnalysis of Tail Risk ETFs:  testfol.io/analysis?s=jCSSoT7bFReBob Elliot Macro Masterclass:  Bob Elliott, Unlimited Funds – A Macro MasterclassBob Elliot on Excess Returns:  Understanding Economic Cycles | Bob ElliottBob Elliot on The Compound:  The Blue Chips of Junk | TCAF 175Portfolio Tracker:  GitHub - danbuchal/portfolio-tracker: Portfolio Tracker: Track your investments and asset allocationBreathless Unedited AI-Bot Summary:Looking for protection without sacrificing long-term returns? We dig into a donor's question about using tail-hedged ETFs like SPD and SPYC for early retirement and explain why constant hedging tends to bleed performance. The core idea is simple: prioritize assets with positive expected returns that also diversify when it matters. That's where long-term Treasuries serve as recession insurance and why picking the right time horizon for correlation analysis changes everything.From there, we zoom out to the four-quadrant framework—growth and inflation as the axes that drive correlations. Stocks thrive in positive growth with moderate inflation, Treasuries support you in weak growth and disinflation, and assets like gold and managed futures help when inflation shifts. If passive flows are reshaping markets, the practical antidote isn't a new product; it's a value tilt on the equity side. History shows value, especially small-cap value, is a reliable counterweight when growth-heavy indexes crack.We also share a clear, DIY method to audit and classify your holdings ahead of retirement. Start with growth vs value as your primary lens, use size as a secondary tilt, and treat international exposure as tertiary since currency swings drive much of the variance. Tools like Morningstar and Portfolio Tracker make it easy to roll up accounts, view factor exposure, and keep your targets on track. Finally, we walk through our sample portfolios and a crisp market snapshot—gold's strength, steady REITs and commodities, and how leveraged mixes are faring—to show how these principles play out in real allocations.If this helps you build a stronger plan, follow the show, share it with a friend who's rethinking their hedge, and leave a quick review to help more DIY investors find us.Support the show

In this episode of Excess Returns, Professor Aswath Damodaran joins Matt Zeigler and Kai Wu for a wide-ranging conversation on valuation, portfolio construction, and how investors should think about risk, discipline, and opportunity in a market shaped by AI, market concentration, and rising uncertainty. Damodaran walks through how he builds and manages his own portfolio, why price matters more than story or quality, and how AI-driven capital spending could reshape margins and returns across the economy. The discussion blends practical investing frameworks with big-picture market insights, offering a clear look at how a valuation-driven investor navigates today's environment.Main topics covered• How Aswath Damodaran builds a stock portfolio, including diversification, position sizing, and turnover• Why investing is about buying at the right price, not buying great companies• Using valuation frameworks to invest in young, unprofitable, and fast-growing companies• How stories and narratives fit into valuation without replacing financial discipline• Watchlists, patience, and waiting for price rather than chasing popular stocks• Sell discipline, overvaluation triggers, and avoiding emotional attachment to winners• Using probability distributions and simulations instead of single-point estimates• How company lifecycles affect growth, margins, and capital allocation decisions• Why many companies struggle as they age and how management quality shows up late in the lifecycle• AI as a capital cycle and why massive AI investment may lower margins overall• Why AI is likely to create a bubble, even if it delivers long-term economic value• Winners and losers in the AI value chain, from infrastructure to applications• Risks from AI infrastructure spending, debt, and cross-ownership structures• Why private markets may not deliver better outcomes for individual investors• How Damodaran thinks about cash, diversification, and assets uncorrelated with equities• Reentering markets after selling and avoiding the trap of staying in cash too long• Time horizon, legacy investing, and managing wealth across generationsTimestamps00:00 Investing is about price, valuation, and early thoughts on AI and market risk01:54 Personal investing philosophy and why portfolios must be investor-specific03:00 Diversification, number of holdings, and managing downside risk05:00 Valuation frameworks and buying companies at the right price06:00 Stories versus numbers and avoiding the circle of competence trap08:20 Political risk and why some sectors are hard to value08:47 Watchlists, patience, and waiting for price to meet value11:43 When and why to sell stocks as a value investor12:00 Using probability distributions and simulations in valuation15:48 Sell discipline, fund flows, and separating skill from luck18:00 Company lifecycles, aging businesses, and management discipline23:18 Apple, Meta, and contrasting approaches to AI investment24:08 AI bubbles, winner-take-all dynamics, and capital cycles27:48 Infrastructure investing, debt risk, and societal spillovers32:20 Cross-ownership risks and AI ecosystem fragility35:00 AI's impact on profit margins and competition39:41 Where AI value may accrue over time44:38 AI tools, valuation bots, and the rise of investment scams49:17 Private markets, alternatives, and cost structures53:05 Cash, collectibles, and diversification beyond equities56:33 Reentering markets after selling and avoiding market timing traps58:35 Time horizon, legacy investing, and generational wealth

Investors will be closely watching more bank earnings reports and another group of Fed speakers on Friday after TSM's strong earnings report boosted chip stocks yesterday.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Geopolitics is back on the front page—Venezuela sanctions shifts, unrest in Iran, and fresh supply/demand puzzles for global oil. In this episode, Jordan, and Jeremy unpack what rising or falling crude could mean for U.S. gas prices, market leadership, and long-term retirement planning. We cover sequencing risk, diversification, and why disciplined rules matter more than headlines.If you're retired or retiring soon, your plan should drive your risk—not the news cycle. Ready to stress-test your strategy?Subscribe for more videos like this one.Timestamps:00:00 – Opening: Venezuela, Iran, and Why Energy Is Back in Focus01:45 – Why Venezuela Matters: Oil Reserves, OPEC, and Global Power04:05 – Regime Change Implications: Can Oil Production Recover?06:40 – OPEC, Iran, and the Global Supply-Demand Tug of War09:30 – Where Venezuelan Oil Goes Today: China, Sanctions, and Security12:05 – What This Means for Inflation, Gas Prices, and Your Wallet16:40 – Market Volatility, Portfolio Implications, and Final TakeawaysRPOA Advisors, Inc. (d/b/a Retirement Planners of America) (“RPOA”) is an SEC-registered investment adviser. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RPOA has attained a certain level of skill or training.This podcast has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, personalized investment, financial, tax, or legal advice. RPOA does not provide tax or legal advice. You should consult your own tax and legal advisors before engaging in any transaction or strategy.Opinions expressed are those of RPOA as of the date of publication and are subject to change. Investing involves risks, including possible loss of principal. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss. Past performance is no guarantee of future results.

More bank earnings arrive today along with jobless claims and Taiwan Semiconductor results. Tech and banking sectors have struggled this week. Metals continue to rally.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

After a strong start to the year and renewed highs across global markets, Ryan Detrick, Chief Market Strategist, and Sonu Varghese, VP, Global Macro Strategist at Carson Group, step into the growing tension between Washington and the Federal Reserve, and what it could mean for markets, confidence, and policy credibility. They react to Jamie Dimon's latest comments on economic resilience, unpack the unusual legal pressure facing Fed Chair Jerome Powell, and explain why markets appear far more focused on earnings and growth than political noise.Key Takeaways:Markets are prioritizing fundamentals: Earnings growth, productivity gains, and consumer resilience are outweighing the political headlinesFed independence is being tested: The legal and political pressure on the Fed raises long-term questions, but the markets remain focused on outcomes, not noiseMetals are sending a signal: The strength in gold, silver, and industrial metals reflects both global demand and policy uncertaintyLabor markets are cooling, not breaking: Hiring is slower, but the layoffs remain low and prime-age employment stays historically strongBreadth continues to improve: The leadership is expanding beyond mega-cap tech, reinforcing the durability of the current bull marketJump to:0:00 — Economic Resilience, Consumers, And Bank Signals6:00 — Powell, Politics, And Central Bank Independence12:15 — Gold, Metals, And Washington Crosscurrents19:00 — Credit Cards, Housing Policy, And Affordability Risks28:20 — Market Breadth, Diversification, And January Signals31:10 — Labor Market Cooling, Youth Hiring, And Revisions41:00 — Productivity, Margins, And Revenue Per WorkerConnect with Ryan:• LinkedIn: https://www.linkedin.com/in/ryandetrick/• X: https://x.com/RyanDetrickConnect with Sonu:• LinkedIn: https://www.linkedin.com/in/sonu-varghese-phd/• X: https://x.com/sonusvarghese?lang=enQuestions about the show? We'd love to hear from you! factsvsfeelings@carsongroup.com

How to know when you're holding too much stock in one individual company or fund, and why now is a perfect time to consider harvesting gains from your most concentrated investment positions.

Today features December PPI, earnings from three large banks, and retail sales. Investors also await a possible Supreme Court tariff ruling, while oil rose on Iran worries.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As part of the Develop This! Crystal Ball Series kicking off 2026, host Dennis Fraise sits down with Danielle Casey, President & CEO of the Las Vegas Global Economic Alliance and incoming IEDC Board Chair, for a candid and forward-looking conversation on leadership, career evolution, and the future of economic development. Danielle shares insights from her career transition from Albuquerque to Las Vegas and reflects on how unplanned opportunities often shape meaningful leadership journeys. Together, Dennis and Danielle explore the evolving demands placed on economic development professionals—from rapid technological change and demographic shifts to workforce readiness and long-term strategic planning. The conversation also highlights the growing influence of women in economic development leadership, the critical role of mentorship, and the importance of listening as a leadership skill. Danielle underscores the need for trained, adaptable professionals, diversified local economies, and deeper community engagement to ensure the profession remains resilient and impactful. The episode closes with a look ahead to 2026, including Danielle's priorities as incoming IEDC Board Chair and what economic developers must do now to stay energized, effective, and future-ready. Key Takeaways Mentorship is foundational to sustaining and strengthening the profession Economic developers must remain adaptable in rapidly changing environments Diversification is essential for long-term economic resilience Women are increasingly shaping leadership at all levels of economic development Listening is one of the most underrated—and vital—leadership skills Conferences and peer networks provide both professional insight and emotional support Tracking trends is no longer optional—it's a core competency Burnout prevention is critical for long-term success The profession demands balance between immediate wins and long-term vision Training and education are key to developing the next generation of leaders

In this episode of the Shark Farmer Podcast, host Rob Sharkey speaks with Kevin Thompson, the Director of the Middle Tennessee Ag Research and Education Center (M-TREC) at the University of Tennessee. They discuss Kevin's background in agriculture, the impact of black vultures on cattle production, and the importance of diversification in farming. Kevin shares insights on precision livestock technologies, the role of horses in cattle management, and the significance of teaching stockmanship. The conversation emphasizes the need for advocates in agriculture to educate the public and promote sustainable practices. Kevin Thompson is the Director of M-TREC at the University of Tennessee. M-TREC focuses on research and education in agriculture, particularly beef and poultry. Kevin's background includes managing a large family farm and academic achievements in animal science. Black vultures have become predatory, impacting calf survival and producer safety. Research is being conducted to understand and mitigate the impact of black vultures on cattle. Diversification in agriculture can improve economic stability for producers. Precision livestock technologies are being implemented to gather real-time data on cattle. Teaching stockmanship is essential for low-stress cattle handling. Horses are preferred for cattle management due to their low-stress impact on livestock. Aspiring farmers should seek entry-level opportunities and be willing to learn from mistakes.

December CPI and JPMorgan Chase are out before the open, with analysts expecting solid results from JPM and 0.3% CPI gains. Treasury yields are near the top of their recent range.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Beer and Money, Ryan Burklo and Alex Collins discuss the challenges and strategies associated with over-concentrated stock positions, particularly in the context of tech companies and other large firms. They explore the risks of having a significant portion of one's wealth tied to a single stock, the emotional connections that can complicate decision-making, and the importance of coordinated financial planning. The conversation covers various strategies for unwinding concentrated positions, including selling shares, tax implications, and alternative methods such as options and exchange funds. The hosts emphasize the need for a systematic approach to managing concentrated wealth and the importance of seeking professional guidance. Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo #over-concentratedstock #financialplanning #riskmanagement #investmentstrategies #taximplications #stockoptions #wealthmanagement #diversification #financialadvisor #concentratedwealth   Takeaways Many clients have concentrated stock positions due to RSUs or stock options. Concentrated risk can become significant over time, especially in tech. Emotional ties to a company can complicate financial decisions. It's crucial to consider future changes in company leadership. Planning to unwind concentrated risk can take months or years. Tax implications can complicate the selling of concentrated stock. Diversification is key to managing concentrated positions. Coordinating with financial and tax professionals is essential. There are strategies to manage concentrated stock without selling. Proactive planning can prevent financial stress in retirement. Chapters 00:00 Introduction to Over-Concentrated Stock Positions 02:51 Understanding the Risks of Concentrated Wealth 05:53 Planning Considerations for Unwinding Concentrated Risk 08:55 Strategies for Managing Concentrated Stock Positions 12:06 Alternative Approaches to Selling Stock 15:06 Conclusion and Call to Action

Bank results and the Consumer Price Index are key this week. Jobs data pushed down rate cut odds, but stocks hit new highs as unemployment fell. A 10-year note auction comes today.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, host Shawn Terrell discusses the importance of tax diversification for dentists nearing retirement. He explains the four types of taxes on investments: ordinary income, deferred, capital gains, and tax-free. Shawn emphasizes the benefits of diversifying across these tax types to minimize lifetime tax liability and maximize retirement options.------------------------------Chapters00:00:00 Introduction to Tax Diversification00:00:00 Understanding Ordinary Income Tax00:00:00 Deferred Tax Explained00:00:00 Capital Gains Tax Overview00:00:01 Benefits of Tax-Free Investments00:00:01 Conclusion and Professional Advice-------------------------------Episode Resource ----------------------------------Meet with Dentist Exit Planning Advisor:Schedule Discovery Meeting-----------------------------------About Dentist Exit Planning:Website: dentistexit.comFacebook Group for DentistsYouTubeInstagramLinkedInSign-Up for Dentist Exit Email NewsletterEmail Shawn at: shawn@dentistexit.com

Kristy Akullian of Blackrock considers AI the “best game in town,” but not the only game anymore. She highlights their actively managed AI ETF (BAI), which has themes like power generation and data center buildout. She also notes that geographic diversification is important in the AI trade and that many investors are under-exposed to international equities. ======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

From anticipated Fed rate cuts to the staying power of international stocks, Charlie and Peter cover six topics on the minds of investors as we kick off 2026. Plus, discover where you can see Peter and Charlie live by attending a regional CONNECT26 event.

The December jobs report today is expected to show growth of 55,000, a relatively low number. Today could also bring a Supreme Court tariff ruling, but there's no guarantee.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see ​schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Markets are hitting all-time highs, earnings expectations are rising, and investors are navigating everything from oil prices to Roth conversions. Lance Roberts & Danny Ratliff take live viewer questions and explore the themes investors are most focused on right now. Topics discussed include why earnings may be the primary market driver this year, what recent all-time highs signal for forward returns, and how capital flows are shifting across sectors and asset classes. We also examine oil markets—WTI pricing, energy stocks, Venezuela supply dynamics—and what the “sweet spot” for oil prices means for the broader economy. On the planning side, we address Roth IRA advantages and drawbacks, Roth conversions, RMD considerations, and asset allocation questions across different life stages, including retirement-focused portfolios. Additional discussion covers the growing disconnect between GDP and unemployment data, hidden consumer leverage through buy-now-pay-later programs, and how diversification differs from simply owning non-correlated assets. We also touch on factor rotation, bond ETF structure, metals like gold and silver, and whether certain defensive or out-of-favor sectors may eventually regain investor interest. 0:00 - INTRO 0:18 - Earnings to be The Big Driver this Year 5:45 - Markets Hit All-time Highs 9:23 - Economic Summit Preview & Danny's Holiday Recap 12:25 - WTI, XLE, and Venezuela Oil 17:51 - What is the "Sweet Spot" for Oil Pricing? 21:23 - Tax Advantages - Disadvantages of Roth IRA 24:38 - Where to Look for Capital Flows 27:08 - Roth Conversions & RMD's 28:27 - Commentary - Divergence Between Unemployment & GDP 31:10 - Unrecognized Debt - Buy Now - Pay Later is a Black Box 31:53 - Recommendations for 60-40 Allocations 35:03 - Example of Bond ETF's in SimpleVisor 38:57 - Factor Rotation Portfolio 41:54 - Diversification vs Non-Correlated Assets 44:46 - Silver, Gold, & Other Metals 45:51 - Back Door Roth Conversions 47:30 - Asset Allocations for Septuagenarians 50:18 - Are Packaged Food stocks Ever Coming Back? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=R8z27km9G1M&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Financial Nihilism vs. Financial Planning," here: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketToday #MarketRisk #VIX #PortfolioManagement

Welcome back to The Cashflow Project! In this episode, we're joined by Patrick Grimes—founder of Passive Investing Mastery, Amazon bestselling author, and Forbes Council contributor. Patrick shares his journey from robotics engineering to building a highly diversified portfolio across real estate, energy, litigation finance, commercial lending, and other alternative investments. Patrick explains why true diversification goes beyond stocks and real estate, and how sophisticated investors reduce risk through non-correlated assets in industries like medical and legal services. He breaks down his process-driven investment philosophy and highlights lesser-known opportunities most investors overlook. Whether you're a high-earning professional, W2 employee, or investor looking to future-proof your wealth, this episode offers practical insights into alternative investing and building resilience in any market cycle. Tune in to learn how to grow and protect your wealth—even during economic uncertainty. [00:00] "From Tech to Real Estate" [04:24] "From Lockdown to Lanikai" [08:08] "True Non-Correlated Alternatives Explained" [12:13] "Investing Education and Accessibility" [13:29] "Exploring Alternative Investment Opportunities" [16:03] Legal Funding: Risk and Reward [22:09] "Overcoming Analysis Paralysis" [23:00] "Cross-Functional Team Collaboration" [27:44] "Sharing Insights Through Education" [29:27] "Legacy, Time, and Fire Round" [33:54] "Lessons in Balance and Diversification" [37:07] "New Medical & Investing Opportunities" [39:55] "Join, Connect, Like & Share" Connect with Patrick Grimes! Website LinkedIn Books Connect with The Cashflow Project! Website LinkedIn YouTube Facebook Instagram