Podcasts about Diversification

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

OpusClip: Add the most efficient editor to your team, try OpusClip AI Producer today at https://opus.pro/ich Whatnot: $500 GIVEAWAY! Sign up to Whatnot using my link https://www.whatnot.com/invite/IcedCoffeeHour and follow me on Whatnot. Winner will be picked in a month. Get $15 OFF with the same link! #whatnotpartner Even Realities: Go to https://evenrealities.bio/icedcoffee and use code ICEDCOFFEE for 10% off Even R1 and/or Even Clip when you add them to your Even G2 order Shopify: Stop waiting for permission to build something. Your next revenue stream starts free at https://shopify.com/ich NO PURCHASE NECESSARY. Open to legal residents of the 50 U.S. states and D.C., 18+. To enter: (i) Sign up to Whatnot using the following link https://www.whatnot.com/invite/IcedCo..., and (ii) follow the following Whatnot account @IcedCoffeeHour. One entry per person. Entries must be received by September 29th at 11:59:59 p.m. PT. Winner selected at random on or about September 30th. Winner will be notified via the email associated with their Whatnot account and must respond within 5 days or prize may be forfeited and an alternate winner selected. Prize: $500 of Whatnot credit redeemable for purchases on the Whatnot platform (ARV: $500). Winner is responsible for all applicable taxes. This promotion is not sponsored, endorsed, or administered by YouTube. Sponsored by The Iced Coffee Hour. Void where prohibited. Follow  @TheStradman  Here! *

Time stamps  00:00  - Intro  7:47 - David's Early beginnings  16:38 - Houston RC Scene back in the day  22:00 - Slick tires: Where born at M&Ms 24:16 - When did David Start Travelling  26:12 - Driving for XRAY RC America  28:50 - Chris Crews - Crews Control  30:33 - The ⅛ Off-Road Boom  32:08 - Reno Savoya and the attitude era of ⅛ rc  36:43 - David Spashett story  38:59 - Is ⅛ bigger now than 1/10 & Diversification of Avid  52:06 -  Avid & Kurt Wenger Split ways And Other Bearing Companies  56:43 - How did Avid survive over the years  59:53 - Pivot to Tires or Car? 1:10:31 - How Joor Told Jason Avid was making tires. 1:16:36 - Working with the Competetion  1:20:29 - Carpet Tire Design & ⅛ Tires  1:23:50 - Cost of making tires  1:28:57 - Sponsorship & Is RC Still Cheap to Race  1:34:28 - Spec Tires  1:44:47 - Carpet Racing the Future  1:51:53 - David's local track: & other opinions for tracks 1:59:36 - Sponsored Culture  2:14:20 - Still Selling Bearings & Future of Avid 

This episode of On Investing looks at a market environment increasingly shaped by persistent inflation, rising long-term Treasury yields, fiscal concerns, and renewed trade tensions. Liz Ann Sonders and Collin Martin begin by discussing the latest inflation data, which continues to show price pressures well above the Federal Reserve's 2% target. While wage growth is not driving inflation, they highlight several other forces keeping inflation elevated, including energy prices, tariffs, and the massive investment required to support the AI boom. The conversation then turns to Treasury Secretary Scott Bessent's efforts to influence long-term interest rates after yields surged. Collin argues that Bessent's actions are understandable given concerns about mortgage rates and borrowing costs, but he views them as a short-term response to a much deeper issue: the nation's growing debt burden and ongoing fiscal deficits. Both hosts suggest that attempts to manage yields address the symptoms rather than the underlying causes. They also explore the potential tension this creates with the Federal Reserve, which may prefer tighter financial conditions to combat inflation. The episode closes with a look ahead to the Fed's Jackson Hole conference, upcoming labor market reports, purchasing manager surveys, and other economic data that could shape expectations for both growth and Fed policy. You can read the report Liz Ann mentions here: "Great Moderation Era: Drift(ing) Away." 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 Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and 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. Diversification and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets. 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. 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. Investing in alternative investments is speculative, not suitable for all clients, and generally intended for experienced and sophisticated investors who are willing and able to bear the high economic risks of the investment. Investors should obtain and carefully read the related prospectus or offering memorandum, which will contain the information needed to help evaluate the potential investment and provide important disclosures regarding risks, fees and expenses. Commodity-related products carry a high level of risk and are not suitable for all investors. Commodity-related products may be extremely volatile, may be illiquid, and can be significantly affected by underlying commodity prices, world events, import controls, worldwide competition, government regulations, and economic conditions. All names and market data shown 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. 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 Negative correlation refers to investments that tend to move in opposite directions: when one rises, the other falls. (0826-1AXY) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Robinhood says it wants to be everything to investors—but its fastest-growing attractions look a lot like a casino. Don and Tom examine prediction markets, options, crypto, payment for order flow, and the uneasy fit between fiduciary advice and a brightly lit door to speculation.They explain why gamification and enormous transfer bonuses can be especially dangerous for inexperienced investors. If the goal is long-term wealth rather than entertainment, a boring, diversified custodian still beats a platform built to monetize trading excitement.Then they answer questions about using bonds during a retirement downturn, combining CD ladders with target-date funds, the trap behind eye-popping mortgage REIT dividends, and better ways to give money to grandchildren.1:03 — Robinhood and its merry band of revenue streams3:00 — Vlad Tenev explains the financial supermarket5:36 — A fiduciary office beside a casino door8:28 — Monetizing speculation instead of investing13:14 — Using bonds when retirement begins in a downturn21:06 — CD ladders and target-date funds23:36 — The truth behind 17% REIT dividends27:28 — UTMA, UGMA, 529s, and gifts for grandchildrenQuestions? Comments? Click!

In today's episode we talk with a pioneer of modern asset management, Dimensional Fund Advisors founder David Booth. David founded Dimensional in 1981 and it has since grown to over $1 trillion in assets, making it one of the most successful quantitative investment firms in history. We talk with him about his new book, Stay Calm: Learn to Embrace Uncertainty in Investing and Life. We discuss his early career working on both the world's first index fund and the first active quant strategy developed by finance legends Fischer Black and Myron Scholes. David explains why successful investing involves embracing uncertainty - because it is that uncertainty that generates long-run returns. He explains why we should abandon predicting markets and focus instead on planning. We end by discussing why he is both a realist and optimist and how each of us can cultivate the same mindset.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Kevin on SubStack & read his Book.Follow David on LinkedIn and Read his Book.Episode TimeStamps: 00:00 - Why uncertainty creates opportunity for long term investors01:01 - David Booth's journey from Kansas to pioneering modern investing06:13 - The birth of index investing and the origins of Dimensional10:21 - Why investing is about managing uncertainty not predicting markets13:00 - Why everyone should own part of the market14:00 - Human ingenuity, market resilience and the lessons of history18:02 - Updating research without abandoning first principles23:38 - Has the rise of index investing changed the market?28:45 - Diversification beyond the Magnificent Seven29:52 - Tuning out market noise and focusing on what matters32:23 - Why life events should shape your portfolio more than headlines34:53 - Plan don't predict and learning to stay calm39:02 - Optimism, realism and why markets continue to work42:33 - Why investors have never had it betterCopyright © 2025 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know about In my eBooks, I put together some key discoveries and things I have learnt during the more than 3 decades I have worked in the Trend Following industry, which I hope you will find useful. Click Here2. Daily Trend Barometer and Market Score One of the things I'm really proud of, is the fact that I have managed to published the Trend Barometer and Market Score each day for more than a decade...as these tools are really good at describing the environment for trend following managers as well as giving insights into the general positioning of a trend following strategy! Click Here3. Other Resources that can help youAnd if you are hungry for more useful resources from the trend following world...check out some precious resources that I have found over the years to be really valuable. Click HerePrivacy PolicyDisclaimer

The market's long winning streak has investors wondering whether a crash is waiting in the wings. Don and Tom look at the S&P 500's run, the lost decade that followed the 1990s boom, and why international diversification changed that outcome dramatically.They also explain why market timing asks the impossible: missing the worst days sounds wonderful, but missing the best days can be devastating. The less theatrical answer is still the useful one—make a plan, understand your tolerance for risk, diversify broadly, and sit still.Then it's on to a near-retiree offered a portfolio stuffed with individual stocks, whether international bonds belong in a simple portfolio, why a professionally managed 20-fund portfolio is different from a DIY one, and how to rebalance when Roth and traditional accounts complicate the job.3:33 — A historic market streak—and what might follow4:31 — The lost decade diversification softened7:08 — Why timing the best and worst days fails9:22 — The boring answer: plan, diversify, be patient14:04 — Individual stocks on the eve of retirement?23:02 — A quick Celebration restaurant detour24:28 — Do international bonds belong in your portfolio?27:38 — When 20 funds are too many—or not32:24 — Rebalancing across Roth and traditional accountsQuestions? Comments? Click!

Today's guest is Jerry Parker, founder and CEO of Chesapeake Capital and one of the original Turtles trained by Richard Dennis. Together we run the Cambria Chesapeake Pure Trend ETF (MFUT). In today's episode, Jerry explains why managed futures isn't the same as trend following. He breaks down the math and psychology of hunting outliers, letting a few winners pay for many small losses, and why he'd never chase crisis alpha at the cost of returns. To close, Jerry explains why MFUT trades individual stocks rather than just indices. Learn more about the Cambria Chesapeake Pure Trend ETF www.cambriafunds.com/mfut Have questions? Reach out to us any time at info@cambriainvestments.com. Full show notes: Link (0:00) Jerry Parker (3:09) Trend following vs managed futures (11:00) Misconceptions about crisis alpha (18:42) Portfolio construction, volatility targeting, and strategy complexity (23:47) Trend following in individual stocks  (32:18) Performance reflection and importance of sticking to a strategy (37:46) Allocation challenges and memorable recent trades TO DETERMINE IF THIS FUND IS AN APPROPRIATE INVESTMENT FOR YOU, CAREFULLY CONSIDER THE FUND'S INVESTMENT OBJECTIVES, RISK FACTORS, CHARGES AND EXPENSE BEFORE INVESTING. THIS AND OTHER INFORMATION CAN BE FOUND IN THE FUND'S FULL OR SUMMARY PROSPECTUS WHICH MAY BE OBTAINED BY CALLING 855-383-4636 (ETF INFO) OR VISITING OUR WEBSITE AT WWW.CAMBRIAFUNDS.COM. READ THE PROSPECTUS OR SUMMARY PROSPECTUS CAREFULLY BEFORE INVESTING OR SENDING MONEY. Past performance is not indicative of future results. The material above has been provided for informational purposes only and is not intended as legal or investment advice or a recommendation of any particular security or strategy. The Cambria ETFs are distributed by ALPS Distributors Inc., 1290 Broadway, Suite 1000, Denver, CO 80203, which is not affiliated with Cambria Investment Management, LP. MFUT: This fund is new and has a limited operating history. There is no guarantee that the Fund will achieve its investment goal. Investing involves risk, including the possible loss of principal. Commodities Risk: Exposure to the commodities markets may subject the Fund to greater volatility than investments in traditional securities. Fixed Income Securities Risk: The prices of fixed income securities respond to economic developments, particularly interest rate changes, as well as to changes in an issuer's credit rating or market perceptions about the creditworthiness of an issuer. Foreign Securities Risk: The Fund may invest in foreign securities. Such investments involve certain risks not involved in domestic investments and may experience more rapid and extreme changes in value than investments in securities of U.S. companies. Leverage Risk: The derivative instruments in which the Fund may invest provide the economic effect of financial leverage by creating additional investment exposure to the underlying instrument, as well as the potential for greater loss. If the Fund uses leverage through purchasing derivative instruments, the Fund has the risk that losses may exceed the net assets of the Fund. Derivatives Risk: Derivatives are financial instruments that derive value from the underlying reference asset or assets, such as stocks, bonds, commodities, currencies, funds (including ETFs), interest rates or indexes. Short Selling Risk: If a security sold short or other instrument increases in price, the Fund may have to cover its short position at a higher price than the short sale price, resulting in a loss. Commodity-Linked Derivatives Tax Risk: The tax treatment of commodity-linked derivative instruments may be adversely affected by changes in legislation, regulations, or other legally binding authority. Non-Diversification Risk: Because the Fund is “non-diversified,” it may invest a greater percentage of its assets in the securities of a single issuer or a smaller number of issuers than if it was a diversified fund. Commodities Risk. Exposure to the commodities markets may subject the Fund to greater volatility than investments in traditional securities. Fixed Income Securities Risk. The prices of fixed income securities respond to economic developments, particularly interest rate changes, as well as to changes in an issuer's credit rating or market perceptions about the creditworthiness of an issuer. Foreign Securities Risk. The Fund may invest in foreign securities. Such investments involve certain risks not involved in domestic investments and may experience more rapid and extreme changes in value than investments in securities of U.S. companies. Leverage Risk. The derivative instruments in which the Fund may invest provide the economic effect of financial leverage by creating additional investment exposure to the underlying instrument, as well as the potential for greater loss. If the Fund uses leverage through purchasing derivative instruments, the Fund has the risk that losses may exceed the net assets of the Fund. Derivatives Risk. Derivatives are financial instruments that derive value from the underlying reference asset or assets, such as stocks, bonds, commodities, currencies, funds (including ETFs), interest rates or indexes. Short Selling Risk. If a security sold short or other instrument increases in price, the Fund may have to cover its short position at a higher price than the short sale price, resulting in a loss. Commodity-Linked Derivatives Tax Risk. The tax treatment of commodity-linked derivative instruments may be adversely affected by changes in legislation, regulations, or other legally binding authority. Non-Diversification Risk. Because the Fund is “non-diversified,” it may invest a greater percentage of its assets in the securities of a single issuer or a smaller number of issuers than if it was a diversified fund. New Fund Risk. The Fund is a recently organized management investment company with no operating history. Diversification does not guarantee against a loss.  Definitions: Alpha: The portion of an investment's return that differs from its benchmark after adjusting for risk, measured over a specific historical period and not predictive of future results. Crisis Alpha: Returns a strategy seeks to generate during periods of significant equity market stress — a stated objective, not a guaranteed or expected outcome. Stop Loss: A standing order to sell a security once it reaches a specified price, which does not guarantee execution at that price in fast-moving or gapping markets. Trailing Stop: A stop order set at a fixed distance from the market price that adjusts upward as the price rises and holds when it falls, carrying the same execution risks as a stop loss. Shorting: Selling a borrowed security intending to repurchase it later, which profits if the price falls and carries theoretically unlimited loss potential if the price rises. Correlation: A statistical measure of how two assets move relative to one another, ranging from -1.0 to +1.0, which changes over time and often rises during market stress. Derivatives: Financial contracts deriving value from an underlying asset, rate, or index — including futures, options, and swaps — that may involve leverage, counterparty risk, and losses exceeding the initial investment. Futures: Standardized exchange-traded contracts to buy or sell an asset at a set price on a future date, traded on margin so that leverage magnifies both gains and losses. Long: Owning or holding a position expected to benefit from an increase in the price of the underlying asset. S&P GSCI (formerly the Goldman Sachs Commodity Index): A production-weighted, energy-heavy index of commodity futures created by Goldman Sachs in 1991 and acquired by S&P in 2007, which is unmanaged and cannot be invested in directly. Get Stopped Out: Having a position closed automatically when a stop order triggers, which can occur on a temporary price move and exit the position before any recovery. MSCI EAFE Index: A market-capitalization-weighted index of developed-market equities outside the US and Canada, covering Europe, Australasia, and the Far East, which is unmanaged and not directly investable. MSCI Emerging Markets Index: A market-capitalization-weighted index of equities across emerging-market countries, which is unmanaged and not directly investable. Commodity Trading Advisor (CTA): An individual or firm advising others on futures, options on futures, or certain swaps, generally required to register with the CFTC and join the NFA — registration that implies no skill level or regulatory endorsement.

Featuring Chief Investment Officer, Derek Felske.

Being great at running a company does not make anyone a market oracle. Don and Tom unpack the money regrets of successful CEOs—and the costly confidence that often follows success.They draw the line between business skill and investment skill, explain why financial literacy matters, and make the case for diversification over hindsight, stock-picking games, and concentrated bets.Then they turn to listener questions on catching up at 43, investing a church endowment, an underperforming robo portfolio, and where stock dividends should go near retirement.Topics03:46 CEOs, money regrets, and false confidence08:10 Financial literacy without the stock-picking game10:21 Tesla hindsight and the bets we didn't make11:41 Asset allocation and the cost of being too conservative15:20 Business owners and concentration risk17:48 Catching up on retirement saving at 4321:22 A 60/40 church endowment with a 2.5% draw23:12 When a robo portfolio badly trails the market25:35 Dividends, bonds, and rebalancing near retirementQuestions? Comments? Click!

Risk is unavoidable in investing—and in life. But not all risks deserve equal attention. It is easy to focus primarily on the probability that something will happen. If an investment, career move, or financial strategy has a high likelihood of succeeding, we may assume it is a good decision. But Mark Biller, Executive Editor at Sound Mind Investing, suggests another question may be even more important: If things go wrong, how wrong could they go? That shift—from focusing on probabilities to considering consequences—can help us make wiser financial decisions and protect ourselves from risks that could permanently derail our plans. A Small Probability Can Carry a Huge Consequence Suppose someone told you there was a 99% chance an opportunity would succeed. Those odds sound compelling. But what if the remaining 1% chance of failure meant complete financial ruin? Suddenly, the decision looks very different. A simple illustration is crossing a busy street. The probability of being hit by a vehicle may be relatively small, but we still look both ways because the potential consequence is catastrophic. A low probability does not make a severe consequence irrelevant. The same principle applies to investing. An outcome may be statistically unlikely, but if it could wipe out your savings, destroy your retirement plan, or leave you unable to meet your obligations, it deserves serious consideration. Financial thinker Peter Bernstein summarized the principle well: the consequences of being wrong can matter more than the probabilities of being right. That leads to two important questions: If this goes wrong, how wrong could it go?  And how much would it matter? Why Humility Matters in Investing Financial history offers plenty of reminders that even highly intelligent investors cannot anticipate every outcome. One famous example is the collapse of Long-Term Capital Management in 1998. The hedge fund was run by some of the brightest minds in finance and relied on sophisticated mathematical models. Those models worked under most circumstances—but a combination of leverage and extraordinary market conditions caused enormous losses. The lesson is not that investors should avoid risk altogether. Risk is part of investing. Rather, wise investors recognize the limits of their knowledge. We cannot predict every market decline, economic shock, or unexpected life event. That reality should lead us toward humility and encourage us to build financial plans with room for error. Build a Margin of Safety One practical way to prepare for uncertainty is to maintain a margin of safety. That begins before investing. A strong financial foundation includes reducing burdensome debt and establishing adequate emergency savings. Then, as you invest, diversification can help reduce the danger of concentrated bets, while avoiding excessive leverage can protect against losses that permanently impair your financial position. The goal is not to eliminate every possible risk. That would be impossible. Instead, margin allows your plan to survive when circumstances do not unfold as expected. Biblical wisdom encourages this kind of prudence. Proverbs 22:3 says: “The prudent sees danger and hides himself, but the simple go on and suffer for it.” Wise stewardship does not require us to live fearfully. But it does call us to recognize potential danger and prepare appropriately. Your Emergency Fund Protects More Than Emergencies An emergency fund may seem separate from an investment portfolio, but the two are closely connected. Think of investing like climbing a ladder. Before climbing higher, you want to make sure the ladder is resting on firm ground. Emergency savings provide that foundation. Unexpected expenses are inevitable. A furnace fails. A vehicle needs replacing sooner than expected. A major repair suddenly becomes necessary. Without adequate savings, those expenses may force you to sell investments at exactly the wrong time—perhaps when the market is down significantly. What began as an ordinary household expense can then cause lasting damage to a long-term investment plan. An emergency fund creates financial breathing room so temporary problems do not become permanent setbacks. Protecting Retirees From Sequence-of-Returns Risk Consequences become especially important as retirement approaches. One risk retirees face is known as sequence-of-returns risk. This occurs when significant investment losses happen early in retirement while a retiree is simultaneously withdrawing money from the portfolio. Two retirees could experience similar average investment returns over several decades but have very different outcomes depending on when the losses occur. A steep market decline early in retirement can be particularly damaging because withdrawals compound those losses. Even strong returns later may not fully repair the damage. Diversification can help manage this risk. Some retirees also choose to keep several years of anticipated spending in cash or relatively low-risk investments so they are less likely to sell stocks during a severe market downturn. The appropriate strategy will vary by household, but the principle remains the same: consider not only what is likely to happen, but what would happen to your plan if difficult circumstances arrived at an inconvenient time. How Much Risk Can You Afford? Risk tolerance is often discussed in terms of emotion: How comfortable are you when markets fall? That matters, but consequence-based thinking adds another dimension. Ask what would happen if an investment or strategy failed. Would the loss merely be disappointing? Or would it prevent you from retiring, eliminate your emergency reserves, jeopardize your home, or keep you awake at night? If a negative outcome would derail your financial goals, you may be taking more risk than you can afford—even if the probability of success appears high. On the other hand, if you can absorb the downside without seriously damaging your financial plan, then probability can play a larger role in the decision. This framework also guards against becoming too conservative. Avoiding stocks entirely in retirement may reduce short-term market volatility, for example, but it introduces another potential consequence: a portfolio may fail to keep pace with inflation over a retirement that lasts several decades. Wise risk management considers both sides. Stewardship Leaves Room for the Unexpected We cannot know exactly what markets, inflation, interest rates, or the economy will do next. And Scripture never promises that careful planning will remove uncertainty from our lives. Our confidence ultimately rests somewhere deeper. As Christians, we believe God is sovereign and that our ultimate security is found in Christ—not in the performance of our portfolios. That frees us to approach financial decisions with both wisdom and humility. We can plan carefully without pretending we know the future. We can prepare for risk without being ruled by fear. And we can leave margin in our finances because we recognize our own limitations. The goal is not to predict every possible outcome. It is to build a financial life capable of enduring when some of our predictions inevitably prove wrong. Before taking a significant financial risk, don't simply ask, “What are the odds that this will work?” Ask one more question: “If it doesn't, can my financial plan withstand the consequences?” That question may be one of the most valuable safeguards a wise steward can use. On Today's Program, Rob Answers Listener Questions: My son and daughter-in-law have a car loan with a payment over $900 a month and likely a very high interest rate because of poor credit. Are there any options to refinance, reduce the rate, or lower the payment? I'll reach full retirement age later this year and plan to keep working. Should I start Social Security then so I can save, invest, and give more, or delay benefits to receive a larger amount later? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Sound Mind Investing (SMI) Focus on Consequences, Not Probabilities (Article by Austin Pryor at Sound Mind Investing) When Genius Failed: The Rise and Fall of Long-Term Capital Management by Roger Lowenstein Master Your Money: A Step-by-Step Plan for Experiencing Financial Contentment by Ron Blue with Michael Blue Christian Credit Counselors FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Alan Dunne is joined by Mike Pyle, Deputy Head of BlackRock's Portfolio Management Group, to explore how a supply-driven world is reshaping markets and portfolio construction. They discuss the transition from the demand-constrained 2010s to an era defined by scarcity, fiscal activism, geopolitical shocks and the immense capital demands of AI. Pyle explains why bonds may no longer provide the diversification they once did, why hedge funds and market-neutral strategies are becoming increasingly important, and how portable alpha can separate beta from return generation. They also examine AI productivity, equity valuations and what should replace the traditional 60/40 portfolio.-----50 YEARS OF TREND FOLLOWING BOOK AND BEHIND-THE-SCENES VIDEO FOR ACCREDITED INVESTORS - CLICK HERE-----Follow Niels on Twitter, LinkedIn, YouTube or via the TTU website.IT's TRUE ? – most CIO's read 50+ books each year – get your FREE copy of the Ultimate Guide to the Best Investment Books ever written here.And you can get a free copy of my latest book “Ten Reasons to Add Trend Following to Your Portfolio” here.Learn more about the Trend Barometer here.Send your questions to info@toptradersunplugged.comAnd please share this episode with a like-minded friend and leave an honest Rating & Review on iTunes or Spotify so more people can discover the podcast.Follow Alan on Twitter.Follow Mike on LinkedIn.Episode TimeStamps: 00:00 Mike Pyle's journey from policymaking to investing04:30 The shift from a demand-driven to a supply-driven world07:29 Why the stock-bond relationship has changed12:09 The return of fiscal activism15:52 AI, scarcity and the growing demands on capital19:57 When will AI productivity begin to transform the economy?22:53 AI, inflation and the future of interest rates25:23 AI valuations, earnings and whether markets are in a bubble29:48 Building portfolios for the new macro regime33:35 Private markets, income and hedge fund diversification37:06 Why multi-strategy investing matters42:19 Leverage, factor exposure and lessons from the quant crisis46:08 Why the environment for hedge funds has improved48:39 Portable alpha and separating alpha from beta52:51 What comes after the traditional 60/40 portfolio56:47 How AI could transform investment management01:00:19 Mike Pyle's advice for the next generation of investorsCopyright © 2025 – CMC AG – All Rights Reserved----PLUS: Whenever you're ready... here are 3 ways I can help you in your investment Journey:1. eBooks that cover key topics that you need to know about In my eBooks, I put together some key discoveries and things I have learnt during the more than 3 decades I have worked in the Trend Following industry, which I hope you will find useful. Click Here2. Daily Trend Barometer and Market Score One of the things I'm really proud of, is the fact that I have managed to published the Trend Barometer and Market Score each day for more than a decade...as these tools are really good at describing the environment for trend following managers as well as giving insights into the general positioning of a trend following strategy! Click Here3. Other Resources that can help youAnd if you are hungry for more useful resources from the trend following world...check out some precious resources that I have found over the years to be really valuable. Click HerePrivacy PolicyDisclaimer

In this episode, Collin Plume shares his insights on diversification, real estate investing, and how to evaluate investment opportunities. He discusses his diverse portfolio, the importance of timing and location, and tips for early-stage investors.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and three-time NAACP Image Award-winning television Executive Producer Rushion McDonald interviewed Sonia Balfour-Fears.

Liz Ann Sonders and Collin Martin begin this episode by analyzing the powerful role earnings are playing in driving the U.S. stock market higher and what that means for investors. Liz Ann highlights that S&P 500 earnings growth is tracking around 51% for the second quarter, an unusually strong pace outside of a post-recession recovery. Collin explains why Schwab expects a "higher-for-longer" rate environment, with short- and longer-term Treasury yields likely remaining elevated as the economy stays resilient and inflation remains above the Fed's target. Then Collin sits down with former Federal Reserve Vice Chair Dr. Richard Clarida. They discuss how the Fed thinks about inflation, labor markets, supply shocks, productivity, and AI. Clarida argues that policymakers are trying to determine whether today's inflation pressures are temporary or indicative of a higher underlying trend. He also discusses the transition to new Fed Chair Kevin Warsh, potential changes to Fed communications, and why AI could be inflationary in the near term but ultimately disinflationary through improved productivity over the next several years. 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 Disclosures The 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 securities, investment products and 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. Currencies are speculative, very volatile and not suitable for all investors. 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.  Diversification, rebalancing, and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets. All names and market data shown 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. 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  ISM refers to the Institute for Supply Management. (0826-VELR) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever looked at your investment portfolio and wondered why only a handful of stocks seem to be driving all of the returns? In this episode of Pivot with Darryl Lyons, Darryl explains two important market concepts every investor should understand: market rotation and market broadening. As leadership shifts from the Magnificent Seven and large technology companies into other sectors, international markets, and smaller companies, investors are reminded why diversification remains one of the most effective long-term investment strategies. Darryl also answers a listener question about investing in precious metals, discussing when they may have a place in a portfolio and why purpose matters more than performance when making investment decisions. You'll learn: ●      What market rotation means and why it happens ●      Why broadening market participation is healthy for investors ●      How diversification can help reduce concentration risk ●      Why chasing recent winners often backfires ●      The role of small cap and international investments during changing market cycles ●      Whether precious metals deserve a place in your portfolio ●      Why patience is often rewarded more than prediction Whether you're preparing for retirement or simply looking to become a more disciplined investor, this episode offers practical insights into navigating changing market conditions with confidence. Benefiting from the show? We'd appreciate it if you left a review on your favorite podcast platform. Resources: https://www.msn.com/en-us/money/topstocks/heres-the-single-biggest-reason-the-bull-market-is-broadening/ar-AA29jgMw?ocid=BingNewsVerp  https://ca.finance.yahoo.com/news/morgan-stanley-outlines-sectors-set-121008283.html  https://advisor.zacksim.com/l/376582/2026-07-20/5vnhs8/376582/1784558279Z3C61WZp/2026_07_18_MOTM_Small_Cap_Outperformance_Signals_Br

From saving early to investing in your health, Peter and Charlie share 10 practical tips for building wealth and working toward long-term financial success. Plus, discover where you can see Peter and Charlie live at a regional CONNECT26 event.

July CPI data was tame, but PPI this morning provides a look at wholesale prices. Results could affect yields after Fed rate hike odds fell Wednesday. Retail sales are due Friday. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Our guest on this week's HortWeek Podcast is CEO of one of the biggest players across both ornamentals and fruit production in the UK.Matt Jarrett, the group CEO at Greosn unpacks the group's rapid expansion, from his roots in the ornamental sector (Newey) and ethical labour (Proforce) to running a £400m powerhouse in the UK fruit and ornamental markets.Jarrett details Greosn's recent acquisitions, including the Mansfield's group and Emery Fruit Farms which expanded its fruit portfolio to £95m and yielding around 10,000 tonnes of berries and 27,000 tonnes of apples annually.Diversification has given the firm year-round revenue streams, from hand-picking 800 million daffodil stems in Cornwall in the spring, to top fruit harvesting in autumn.Jarrett discusses the state of the UK's Seasonal Worker Scheme (SWS) where Government reductions in visa quotas threaten to hamper growth:"I worry slightly around the growth of the category... we're only as good as the labor that we can put on these businesses at this time."Of course, automation and other technologies offer opportunities for efficiencies. Jarrett discusses Greosn's £15 million CAPEX spend this year featuring AI flower forecasting, precision agronomy, UV robotics to combat mildew, and a new 15-line packhouse facility in Kent.Growth will also come from acquisitions, and Jarrett hints at upcoming acquisitions to take the business to a new financial landmark: "We've got a very clear strategy to really push the business and get to a sort of a billion by 2029." Hosted on Acast. See acast.com/privacy for more information.

Rising oil and stubbornly high yields sent stocks down Tuesday for the fourth session in five as investors await today's CPI data. Headline CPI is seen at 0.1%, with core at 0.2%. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. The Schwab Trading Activity Index (STAX) is a proprietary, behavior-based index created by Charles Schwab designed to indicate the sentiment of retail investors' portfolios. It measures what investors are actually doing, and how they are actually positioned in the markets. Historical data should not be used alone when making investment decisions. The STAX is not a tradable index. The STAX should not be used as an indicator or predictor of future client trading volume or financial performance for Schwab. © 2026 Charles Schwab & Co., Inc. All rights reserved. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everyone wants to know how to buy a great business. Almost nobody talks about how great businesses quietly become bad deals. After more than 300 business transactions, Joe Burrill has seen it happen time and time again. Sellers mentally check out months before they list. Buyers obsess over valuations while missing the risks that actually matter. And now, with AI changing the way online businesses are built, bought, and grown, the gap between good buyers and great ones is only getting wider. So what should you actually be looking for? In this episode, Jaryd sits down with Joe to unpack the lessons he's learned from brokering hundreds of online business sales. They explore why the best deals aren't always the fastest-growing ones, how experienced buyers think about traffic, revenue diversification, and risk, and why a simple conversation between buyer and seller can be more valuable than another spreadsheet. They also dive into how AI is reshaping acquisitions. Why content businesses aren't dead. Why SEO still matters. And where new buyers are getting due diligence completely wrong by relying too heavily on AI instead of using it as a tool. If you're thinking about buying your first online business - or your next one - this episode will change the way you evaluate opportunities. Because finding a business to buy isn't the hard part. Knowing which one is actually worth owning is.

"Diversification is the only free lunch in investing." It's a famous quote attributed to the Nobel economist Harry Markowitz, and re-quoted - with conviction! - by Smead Capital Management's Bill Smead. Bill discusses his approach to portfolio diversification, and his favorite stocks, with Barron's Associate Editor Andrew Bary and Barron's Investor Circle Newsletter Editor Josh Schafer. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Diversification is a key part of wise investing, and for many portfolios, that means looking beyond U.S. markets. But Christian investors may wonder whether they can pursue international opportunities while still aligning their investments with biblical convictions. Benjamin Bailey, Vice President of Investments at Praxis Investment Management, says the answer is yes. Faith-based investing can extend across a portfolio—including its international holdings. What Is Faith-Based Investing? Faith-based investing begins with the belief that financial decisions can be informed by faith. Rather than viewing investment returns as the only consideration, this approach seeks to balance two priorities: putting financial resources to productive use while also considering the impact investments may have on individuals, communities, and God's creation. For Christian investors, that means asking not only, “How might this investment perform?” but also, “What am I supporting with the resources God has entrusted to me?” Interest in this approach continues to grow. Bailey points to estimates suggesting that Christian households collectively hold trillions of dollars in investments, creating significant opportunity for believers who want their portfolios to reflect their convictions. Why Invest Internationally? International investments can play an important role in a well-diversified portfolio. Different countries and regions do not always experience the same economic conditions or market cycles at the same time. Investing across global markets can therefore give investors exposure to companies, industries, and opportunities they might not encounter through U.S. investments alone. That principle applies to faith-based investors as well. If an investor wants biblical values reflected throughout a portfolio, those considerations should not necessarily stop with domestic holdings. Until recently, however, Christian investors have had fewer faith-based choices in the international marketplace. “People want choices, and people want options,” Bailey says. The Challenges of Faith-Based Investing Overseas Applying faith-based investment criteria internationally can be more complicated than doing so in the United States. Investors need reliable information about companies around the world, including their business activities and practices. Cultural differences, regulatory environments, and varying levels of corporate disclosure can make that research more difficult. That is why investment managers often rely on global research organizations with experience evaluating companies across countries and industries. There is another challenge as well: certain markets may contain a higher concentration of companies involved in business activities that conflict with an investor's faith-based guidelines. Depending on the screening approach being used, that can limit the available investment universe. These challenges make careful research and a clearly defined investment process especially important. Expanding Faith-Based Choices With PRXI Praxis recently expanded its international offerings with the launch of PRXI, a faith-based international exchange-traded fund. The new ETF is designed to address an area where investors have historically had relatively few faith-based options. Praxis has been investing internationally for years through its international mutual fund. PRXI brings that experience into an ETF structure while using what Praxis describes as an optimized index approach. Rather than attempting to dramatically outperform a market benchmark through active stock selection, the strategy seeks performance that is generally similar to its benchmark while incorporating Praxis' faith-based investment criteria. For investors who want international diversification without moving away from their convictions, that approach provides another potential tool for building a portfolio aligned with their values. Faithful Stewardship Across the Portfolio Faith-based investing does not have to stop at the water's edge. International diversification may be appropriate for many investors, and the growing number of faith-based investment options means Christians increasingly have opportunities to pursue diversification while remaining attentive to what their investments support. As with any investment decision, the goal is not simply to choose a product because it carries a faith-based label. Investors should understand the strategy, risks, expenses, diversification benefits, and underlying holdings and consider how each investment fits within their overall financial plan. Ultimately, investing is another area of stewardship. The resources God provides can be managed with wisdom, intentionality, and a desire to honor Him—not only in how much we earn, but also in how and where we invest. Praxis Investment Management has offered faith-based investment solutions since 1994, incorporating approaches that extend beyond investment screening to include shareholder engagement and other forms of impact. To learn more, visit PraxisInvests.com. On Today's Program, Rob Answers Listener Questions: I have a seven-year-old granddaughter and want to start saving for her college education. What's the best way to invest for that, and can I use my RMD to help fund it? My husband and I are 64, retired, debt-free, and have substantial savings, including about $700,000 in TSP. We've never worked with a financial planner and are considering a Certified Kingdom Advisor, though none are local. How should we think about managing these assets from here, and where might Roth IRAs fit into the plan? We rarely use credit and haven't needed much of it in decades. Is there any downside to freezing our credit reports? We have an investment account whose earnings we give to ministry, and over about five years we've given away roughly what we originally invested. Should we keep the principal invested and continue giving the proceeds, or liquidate it and give the full amount now? We also planned to leave it to our children with instructions to give it to ministries after we die—does that make sense? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Praxis Investment Management | PRXI SavingForCollege.com  Charity Navigator | ECFA (Evangelical Council for Financial Accountability) National Christian Foundation (NCF) Experian | TransUnion | Equifax FaithFi Field Guide: How Much Money is Enough?  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship by Rob West Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor® (CKA) FaithFi App Remember, you can call in to ask your questions every weekday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Diversification is a key part of wise investing, and for many portfolios, that includes looking beyond U.S. markets. But how do you pursue international exposure while staying aligned with biblical convictions? On the next Faith & Finance Live, Rob West and Benjamin Bailey discuss faith-based investing, global diversification, and a new international ETF designed with Christian investors in mind. Then, it’s on to calls. That’s Faith and Finance Live . . . biblical wisdom for your financial decisions. That’s weekdays at 4pm Eastern/3pm Central on Moody Radio. Faith & Finance Live is a listener supported program on Moody Radio. To join our team of supporters, click here.To support the ministry of FaithFi, click here.To learn more about Rob West, click here.To learn more about Faith & Finance Live, click here.See omnystudio.com/listener for privacy information.

Though tomorrow's CPI data is the week's big report, several AI infrastructure firms share results later and eyes are on oil and Iran. There's little progress toward a resolution. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This week, Jack Sharry talks with Andrew Guillette, Vice President of Global Insights at Broadridge. Founder of Verge Advisory and former COO of Cerulli, Andrew has a track record of delivering industry-leading market research to U.S. asset managers. With specialized expertise in research and product development, he can leverage cutting-edge technologies to transform business operations and create new revenue streams.  Andrew talks with Jack about what investors actually want, based not on surveys, but on real behavior from 55 million retail investors.  Drawing from the Broadridge Investor Pulse dataset, Andrew breaks down five critical trends reshaping the investor landscape today. Their conversation also challenges long-held industry assumptions and offers a data-backed look at how firms can better align with evolving investor behavior. In this episode: (00:00) - Intro (01:59) - Andrew's career background  (04:05) - What Investor Pulse is and why it matters  (08:02) - Theme 1: The myth of the 'average investor'  (11:40) - Theme 2: Democratization and concentration of wealth (14:29) - Theme 3: Product proliferation and model portfolios (20:40) - Theme 4: Blending of self-directed investing and advised relationships (25:08) - Theme 5:  Investor intelligence as a competitive advantage   (26:56) - Andrew's advice for wealth and asset management leaders  (28:05) - Andrew's interests outside of work Quotes "Advice still reigns, but the mix is shifting. The self-directed growth is real. Now, one-third of all investors have a relationship with a self-directed firm." ~ Andrew Guillette "The number one reason that investors straddle is diversification and enjoyment. Diversification was highest among women, and then enjoyment was highest among men, particularly younger men." ~ Andrew Guillette "Don't rely on legacy assumptions about who your investor is and how you think you should engage. Get the data to gain more precision about investor behavior. The firms best positioned to win will be the ones that understand the end investor." ~ Andrew Guillette Links  Andrew Guillette on LinkedIn Broadridge Broadridge - Investor Pulse Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Five million dollars sounds like more than enough to retire. The real question is whether it supports the life you actually want to live.In this episode, Ari responds to a listener planning to retire around age 55 with roughly $5.1 million and spending close to $16,000 to $17,000 per month. On the surface, the math looks close. A simple rule might suggest it works. But real retirement decisions are rarely that simple.The first layer is structure. How much of that money is in pre tax accounts versus a brokerage account. When most assets are locked inside retirement accounts, access, taxes, and flexibility all become part of the equation.The second layer is concentration. A portion of the portfolio is tied to company stock. That can create opportunity, but it can also introduce risk if too much of the plan depends on a single position. Diversification becomes less about theory and more about protecting the outcome.Then comes the part most plans skip. Lifestyle. Spending is not static. The early years often look different from later years. More travel. More activity. More flexibility. A flat monthly number rarely captures how retirement actually unfolds.Ari also challenges the idea that every dollar needs to be optimized. In some cases, working longer, spending differently, or even pursuing a hobby that costs money can improve quality of life more than maximizing an ending balance.The takeaway is simple. A strong portfolio creates options. The real decision is how to use those options in a way that aligns with your priorities, your time, and the kind of retirement you want to build.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

Financial Physics rule five asks the uncomfortable question every investor should answer: what is the worst that could happen? Don and Tom revisit leverage in 1929, the crashes of 2000, 2008, and 2020, and the practical defenses that keep a bad market from becoming a ruined plan.Then the questions turn to retirement planning: managing IRMAA while considering Roth conversions, weighing long-term-care insurance against self-insuring, and judging whether a $1.6 million portfolio can support a modest withdrawal despite a pricey advisor.Finally, they untangle the five-year rule when Roth 401(k) money moves to a Roth IRA—and confirm that Tom, not Don, is the resident grump.00:39 Financial Physics rule five: prepare for the worst04:35 Leverage, crashes, and the lost decade06:27 Risk near and in retirement12:23 IRMAA brackets and Roth conversions16:46 Long-term-care insurance or self-insure?22:30 Retirement withdrawals and advisor fees24:34 Roth 401(k) rollovers and the five-year clockQuestions? Comments? Click!

The old week ended with a new record for the S&P 500, helped by falling yields as rate hike odds dropped on a weak jobs report. Yields and oil, along with Iran, remain watchwords. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Dupree Financial Group  Blog & Podcast The Tom Dupree Show The Financial Hour · Hour 2 · August 8, 2026 Is the AI Rally a Bubble? What Retirees Should Watch For The Tom Dupree Show | Dupree Financial Group | dupreefinancial.com | 859-233-0400 By Tom Dupree, Founder, Dupree Financial Group III     Ii               I iiI.  Is this AI Rally Built to Last? Turn on any market report lately, and you’ll hear the same story: a handful of AI-linked names are doing most of the heavy lifting. On this week’s Financial Hour, Tom sat down with analyst James Dupree and market analyst Michael Dawahare to talk through what’s actually driving that rally — and it’s a more complicated story than “AI stocks are up.” The conversation opened with reshoring: American companies bringing manufacturing back from overseas, and the market slowly absorbing the idea that this makes more sense than the offshoring wave of the ’70s, ’80s, and ’90s. From there it moved into the AI infrastructure buildout, the old industrial companies suddenly catching a second wind because of it, and a cautionary tale about a leveraged AI hedge fund that lost 78% of its value in three weeks. Tom, James, and Michael walked through the Gold Rush and dot-com parallels, why diversification matters more than ever in a fast-moving sector, and where Dupree Financial Group is finding value right now — financials, insurance, mortgage REITs, and energy. The short version: something real is happening in AI and in American manufacturing. But a real trend and a sure thing are two very different things, and knowing the difference is the whole job. “There’s gonna be people riding high on AI right now who in four years may not be. Don’t just focus on the new technology — ask what are the derivative trades, what can go wrong. Because something will.” — Tom Dupree Topics Covered Why the market is absorbing the reshoring of U.S. manufacturing — and why that’s different from a tariff headline The AI infrastructure buildout, and which “old economy” companies (Johnson Controls, Cummins) are catching a second wind from it The Leopold Aschenbrenner story: how a 4x-leveraged AI fund went from $45 billion to a forced $10 billion sale in about three weeks Gold Rush and dot-com parallels — and who actually made the money when a boom goes bust Regional mall traffic and the return of in-person, live entertainment spending as a signal worth watching Why financials, insurance, and mortgage REITs are on Dupree Financial Group’s radar right now The capital gains tax cost of trying to “sell at the top” and buy back in lower Why a “set it and forget it” approach is especially risky in a fast-moving sector like AI Security concerns as new AI models test the limits of their own guardrails Key Takeaways Reshoring is showing up in the data, not just the headlines. Manufacturing activity has expanded for several consecutive months, and reshoring initiatives have driven a meaningful number of announced U.S. manufacturing jobs since 2010 — a trend the show connected directly to the “picks and shovels” companies benefiting from it. AI infrastructure spending is running far ahead of AI revenue. The largest tech companies are on pace to spend hundreds of billions on AI infrastructure this year alone — spending that, by some estimates, is outpacing the revenue AI products are currently generating. That gap is exactly what Tom, James, and Michael were pointing to when they said “something will go wrong.” Leverage turns a good idea into a forced sale. The Leopold Aschenbrenner fund didn’t lose money because AI was a bad bet — it lost money because a 4x-leveraged position can only absorb so much of a pullback before it’s liquidated. That’s a lesson about position sizing, not about AI. History says the “picks and shovels” companies often outlast the flashiest players. Tom’s Levi Strauss story from the Gold Rush isn’t just a fun aside — it’s the show’s real thesis. When a boom happens, the companies supplying the boom sometimes outlast the speculative names chasing it. Diversification is what protects you when some AI names don’t make it. Nobody on the show argued AI is fake. The argument was that not every AI company will succeed, and a portfolio built around five or ten concentrated bets is a very different risk profile than one spread across sectors. Trying to time a pullback can trigger its own tax bill. Selling a highly appreciated position to avoid a possible drop means paying capital gains tax on the gain — which, as James pointed out, can functionally act like selling at the top even if the stock never actually drops that far. Dividend-paying sectors remain the core of the plan, regardless of what AI does next. Financials, insurance, mortgage REITs, and energy were named as areas of current focus — companies tied to real, ongoing economic activity rather than to a single technology cycle. “Set it and forget it” is the riskiest approach in a fast-moving sector. The show’s closing message: stay alert, stay informed, and know what you own — because in a sector that can move 10-15% in a day, being asleep at the wheel is exactly when it costs you. The Reframe: What This Means for Your Portfolio Here’s where we’d push the conversation a step further than the show had time for. The AI story and the reshoring story aren’t really two separate topics — they’re the same story told twice. Both are examples of real, durable economic activity attracting an amount of capital that may or may not be justified by what it produces. The five largest U.S. tech companies are on pace to spend somewhere in the range of $660–690 billion on AI infrastructure this year alone, nearly double the year before, according to industry analysis from Futurum Group. Other estimates put the ratio of AI infrastructure spending to AI software revenue at close to eighteen-to-one, per S&P Global research reported by ETF Trends. That doesn’t mean the technology is fake — it means the payoff isn’t set to arrive on the same timeline as the spending, and it may not arrive on that timeline at all. The Bank for International Settlements — essentially the central bank for the world’s central banks — has already flagged the scale of this spending as a risk worth watching, noting that combined AI capital expenditure across 2025 and 2026 is outpacing the free cash flow of the companies funding it, per Fortune’s reporting. Fidelity’s own research team has taken a more measured view, noting that as of early 2026 they aren’t yet seeing some of the classic bubble warning signs, like shrinking free cash flow among the AI leaders — but they’re watching closely, and so should you (Fidelity). Both things can be true at once, which is exactly what Tom, James, and Michael said on air. This is precisely the environment dividend-focused, diversified investing was built for. Research from Hartford Funds, using data going back to 1973, has found that companies that grew or initiated a dividend have historically delivered higher returns than the broader market with meaningfully less volatility than non-dividend payers (Hartford Funds). That’s the case for owning financials, insurance, and energy alongside — not instead of — exposure to the AI and reshoring trends. You get to participate in the buildout without betting the whole plan on any single piece of it working out on schedule.     Related Reading Listen to this episode and browse past shows on the Podcasts page Learn more about our approach and team on the About Us page Schedule your own complimentary portfolio review from the DFG homepage About The Tom Dupree Show The Tom Dupree Show is hosted by Tom Dupree, founder of Dupree Financial Group and a 48-year veteran of the investment business. Each episode covers the financial topics that matter most to retirees and those approaching retirement — in plain English, without the Wall Street spin. Dupree Financial Group is a fee-only, fiduciary Registered Investment Advisory firm based in Lexington, Kentucky. The firm manages separately managed accounts focused on income-generating, dividend-paying portfolios — no products sold, no commissions, no conflicts of interest. Past episodes are available at dupreefinancial.com under the Podcast tab. TD Tom Dupree Founder of Dupree Financial Group and host of The Tom Dupree Show. Tom started in the investment business in 1978 as a municipal bond salesman, and has spent 47 years building an income-first, fee-only approach to retirement investing in Lexington, Kentucky. Schedule a Complimentary Portfolio Review If you’re not sure whether you know what’s actually driving your portfolio’s gains right now — and whether it could unwind as fast as it built — we’ll take a look. No charge. No pressure. Just an honest conversation about what you own and whether it’s working for you. Call: 859-233-0400 | Visit: dupreefinancial.com { "@context": "https://schema.org", "@type": "PodcastEpisode", "name": "Is the AI Rally a Bubble? What Retirees Should Watch For", "url": "https://www.dupreefinancial.com/is-the-ai-rally-a-bubble-what-retirees-should-watch-for/", "datePublished": "2026-08-08", "description": "Tom Dupree, James Dupree, and Michael Dawahare discuss the AI market rally, reshoring, and where Dupree Financial Group sees value for retirement portfolios right now.", "partOfSeries": { "@type": "PodcastSeries", "name": "The Tom Dupree Show", "url": "https://www.dupreefinancial.com/podcasts" }, "author": { "@type": "Person", "name": "Tom Dupree" } } { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "Is the AI stock rally a bubble?", "acceptedAnswer": { "@type": "Answer", "text": "It's too early to say for certain. AI infrastructure spending is running well ahead of AI revenue, which is a real warning sign, but the underlying technology and demand are also real. The honest answer is: parts of it may be a bubble, and parts of it may not be — which is exactly why diversification matters." } }, { "@type": "Question", "name": "What is reshoring, and why does it matter to investors?", "acceptedAnswer": { "@type": "Answer", "text": "Reshoring means bringing manufacturing and industry back to the U.S. from overseas. It matters to investors because it's benefiting a range of established industrial companies, and manufacturing activity data has shown consistent signs of expansion." } }, { "@type": "Question", "name": "What happened with the Leopold Aschenbrenner AI hedge fund?", "acceptedAnswer": { "@type": "Answer", "text": "A hedge fund that was leveraged roughly 4-to-1 on AI infrastructure stocks was forced to sell at a steep loss after the market moved against it, dropping from about $45 billion in net asset value to roughly $10 billion in about three weeks. It's a reminder that leverage, not the underlying investment thesis, is often what causes forced losses." } }, { "@type": "Question", "name": "Should retirees own AI-related stocks?", "acceptedAnswer": { "@type": "Answer", "text": "There's no one-size-fits-all answer, and this isn't individualized advice. Generally speaking, exposure to a trend like AI works best as part of a diversified, income-generating portfolio rather than as a concentrated bet, especially for retirees who need their money to last for decades." } }, { "@type": "Question", "name": "What is Dupree Financial Group's approach to sector risk like AI?", "acceptedAnswer": { "@type": "Answer", "text": "Dupree Financial Group focuses on dividend-paying stocks and bonds across a range of sectors, including financials, insurance, and energy, rather than concentrating in any single trend. The goal is income and growth investors can understand, not a bet on any one technology." } } ] } The post Is the AI Rally a Bubble? What Retirees Should Watch For | Dupree Financial Group appeared first on Dupree Financial.

With Liz Ann Sonders away, Collin Martin is joined by Schwab Head of Macro Research and Strategy Kevin Gordon for an in-depth conversation on the economy, Federal Reserve policy, bond yields, equities, and global markets. The episode opens with the idea that "good news can be bad news" for markets. Kevin explains that strong economic data, particularly in the labor market, can sometimes hurt stocks because it increases the likelihood of tighter monetary policy. The conversation then turns to interest rates and the surprising resilience of markets despite elevated bond yields. Collin and Kevin discuss the Fed's increasingly hawkish tone, the unusual presence of multiple dissents favoring rate hikes, and concerns about communication from Chair Kevin Warsh.  Looking ahead, Collin and Kevin identify inflation data, labor-market reports, Fed commentary, retail sales, and inflation-expectation surveys as the key indicators investors should monitor in the weeks ahead. 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 Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and 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. Currencies are speculative, very volatile and not suitable for all investors. 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. Diversification, rebalancing, and asset allocation strategies do not ensure a profit and do not protect against losses in declining markets. All names and market data shown 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. 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 A hyperscaler is a large-scale cloud service provider that offers vast computing, storage, and networking resources through a distributed infrastructure of interconnected servers and software. (0826-TEWK) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Stocks eased from record highs Thursday but remain sharply up for the week approaching today's July payrolls report. Jobs growth of 86,000 is expected, with unemployment steady. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With the July payrolls report due tomorrow, investors eye weekly jobless claims, watch for Middle East developments, and mull memory chip results after the rally slowed. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is India really becoming uninvestable, or are investors missing the bigger picture? In this episode of the Capitalmind Podcast, Shray Chandra, Co-founder at Capitalmind Financial Services, speaks with Deepak Shenoy, Founder and CEO, Capitalmind Mutual Fund, about the current pessimism around Indian markets and whether we may be approaching a point of peak pessimism. The discussion covers: • Why investors are bearish on India right now • The bear case around the rupee, crude oil, gold imports, FPI outflows and AI disruption • Lessons from previous market crises in 2002, 2009, 2013, 2020 and 2022 • Whether today's negative narrative is worse than the underlying data • India's earnings recovery, industrial growth and the return of the CapEx cycle • How AI could impact Indian IT companies and the broader economy • Why foreign investing matters, but why going completely global may not be the answer • How investors should think about equity allocation, flexi cap funds, multi-asset funds and phased investing Deepak shares his perspective on why market narratives often become most negative near turning points, and why long-term investors should focus on data, earnings and portfolio construction rather than short-term sentiment. If you are tracking the Indian stock market outlook, mutual funds, equity investing, portfolio allocation, global investing, or wealth creation, this episode offers a detailed perspective on where markets could head next. Speakers • Deepak Shenoy - Founder & CEO, Capitalmind Mutual Fund • Shray Chandra - Co-founder, Capitalmind Financial Services Subscribe to the Capitalmind Podcast for conversations on investing, markets, personal finance and wealth management. Chapters: 00:00:00 - Introduction & Episode Overview 00:02:02 - Steel-manning the Bear Case for India 00:05:42 - Why the Bear Case Isn't the Whole Story 00:06:47 - Historical Parallels: 2002, 2009, 2013, 2020 00:17:40 - Are We at Peak Pessimism Right Now? (May 2026 Data Check) 00:21:51 - What Do We Do About Crude 00:24:52 - Gold Imports & Potential Fixes 00:26:51 - Indian Corporate Earnings & Profit Growth 00:30:10 - CapEx Revival & Credit Growth 00:35:44 - AI: Threat or Opportunity for India? 00:38:35 - FPI & FDI Outflows — Will They Reverse? 00:43:29 - Should You Invest Abroad? The Case for Diversification 00:48:43 - Practical Advice: How to Deploy Cash Now 00:53:10 - Large Cap vs. Small Cap & Which Funds to Consider 00:54:55 - Closing Remarks & Capital Mind Offerings

Yesterday's rally to record highs reflected hopes for peace and strong earnings. However, SpaceX and Advanced Micro Devices appeared to disappoint with results after the close. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everyone wants to know how to buy a great business. Almost nobody talks about how great businesses quietly become bad deals. After more than 300 business transactions, Joe Burrill has seen it happen time and time again. Sellers mentally check out months before they list. Buyers obsess over valuations while missing the risks that actually matter. And now, with AI changing the way online businesses are built, bought, and grown, the gap between good buyers and great ones is only getting wider. So what should you actually be looking for? In this episode, Jaryd sits down with Joe to unpack the lessons he's learned from brokering hundreds of online business sales. They explore why the best deals aren't always the fastest-growing ones, how experienced buyers think about traffic, revenue diversification, and risk, and why a simple conversation between buyer and seller can be more valuable than another spreadsheet. They also dive into how AI is reshaping acquisitions. Why content businesses aren't dead. Why SEO still matters. And where new buyers are getting due diligence completely wrong by relying too heavily on AI instead of using it as a tool. If you're thinking about buying your first online business - or your next one - this episode will change the way you evaluate opportunities. Because finding a business to buy isn't the hard part. Knowing which one is actually worth owning is.

In this episode of The Fearless Mindset Podcast, host Mark Ledlow continues his conversation with captive insurance and risk-management expert Kyle Sweet about protecting businesses, family offices, and generational wealth in an increasingly unpredictable world.Kyle explains how captive insurance can help business owners gain greater control over risk, reduce dependence on the commercial insurance market, and potentially transform an uncontrollable expense into a financial asset. He also discusses how family offices can preserve wealth by diversifying investments, involving qualified experts, maintaining responsible governance, and preparing future generations to become capable stewards rather than dependent beneficiaries.The conversation also explores the growing security challenges facing high-net-worth families and businesses. Mark and Kyle discuss continuous threat assessments, AI-generated reputational attacks, economic disruption, and the importance of combining security, insurance, and enterprise risk management. Kyle emphasizes that tomorrow's risks require agile professionals who can anticipate second-, third-, and fourth-order consequences before the damage occurs. Learn about all this and more in this episode of The Fearless Mindset Podcast.KEY TAKEAWAYSCaptive insurance can transform risk management from an expense into a financial asset.Business owners can operate more like family offices without immediately selling their companies.Generational wealth should produce capable heirs, not dependent beneficiaries.Family-office decisions should never be controlled by one dominant personality.Diversification and expert guidance help protect wealth from poor investment decisions.Money does not eliminate risk. It creates new personal, financial, security, and reputational exposure.Security assessments must be continuous because threats evolve constantly.AI can create fake images, emails, receipts, and political associations that damage a company's reputation.Security professionals should participate in broader enterprise risk and captive-insurance discussions.Agile and independent teams are often better positioned to anticipate emerging threats than large bureaucratic organizations.QUOTES “Money does not insulate them from risk. It creates infinitely more types of risk.”“This is not your trust fund. This is a family fund.”“You want your heirs to give more than they take.”“You don't get security one time and then think you're good.”“There's nothing more intimate with somebody than their money.”“You can't do that unless you have an assessment.”“This is an injury that you don't even know you're being cut until you've bled out.”“Bureaucracy kills innovation.”“Innovation comes from people who are nimble, agile, and can change on a dime.”“What we know today will be a completely different thing tomorrow.”Get to know more about Kyle Sweet through the link/s below.https://www.linkedin.com/in/kyle-sweet-08b97173/To hear more episodes of The Fearless Mindset podcast, you can go to https://the-fearless-mindset.simplecast.com/ or listen on major podcasting platforms such as Apple, Google Podcasts, Spotify, etc. You can also subscribe to the Fearless Mindset YouTube Channel to watch episodes on video.

After stocks closed near record highs Monday and Palantir topped estimates, investors await AMD and SpaceX after the close. Job openings kick off a key labor data week. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The securities, investment products and investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for their own particular situation before making any investment or trading decisions. All expressions of opinion are subject to change without notice in reaction to shifting market 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. For illustrative purposes only. Individual situations will vary. Not intended to be reflective of results you can expect to achieve. Investing involves risk, including, for some products, more than your initial investment. Past performance is no guarantee of future results. Supporting documentation for any claims or statistical information is available upon request. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Palantir kicks off another packed earnings slate after the bell, while manufacturing data is in focus this morning. Attention will then shift to jobs data later in the week. Important Disclosures This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The {securities, investment products and 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. For illustrative purpose(s) only. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. 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. 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. 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. Schwab does not recommend the use of technical analysis as a sole means of investment research. 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. (0131-0826) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cherina & Mowbray Rowand.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cherina & Mowbray Rowand.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cherina & Mowbray Rowand.

Edward Brady is a CFA, Realtor®, Certified Regulatory Compliance Professional, and former SEC examiner who spent 25 years protecting the integrity of U.S. financial markets. After conducting hundreds of examinations of broker-dealers and investment advisors, he now helps investors simplify financial decisions through timeless wealth-building principles. In this episode, Edward shares lessons from his career at the SEC, explains why most people misunderstand compounding, and breaks down the four pillars of his STAR framework for building lasting financial security. On this episode we talk about: Edward's journey from aspiring real estate professional to spending 25 years investigating the financial industry at the SEC. Why diversification protects more than your portfolio—it protects your confidence as an investor. The STAR framework: Savings, Time, Assets, and Real Returns. How taxes, fees, inflation, and investment structure quietly impact long-term wealth. Why patience and compounding—not chasing quick wins—are the foundation of financial freedom. Top 3 Takeaways Long-term wealth is built by consistently saving, allowing time for compounding, and making thoughtful investment decisions—not by chasing get-rich-quick opportunities. Diversification isn't just about reducing risk; it helps investors maintain the confidence to stay invested through market volatility. Your net returns are what truly compound. Minimizing taxes, fees, and unnecessary costs can dramatically improve your financial future. Notable Quotes "Diversification protects your confidence in taking risk." "Only your net returns compound. What you keep is what grows." "If you understand the principles that affect your returns, you're much better able to protect yourself." Connect with Edward Brady: LinkedIn: https://www.linkedin.com/in/edward-m-brady-cfa-realtor/ Instagram: https://www.instagram.com/edwardmbradycfarealtor/ Other: Awaken Your Star book A Word from Our Sponsors: - Visit DrinkAG1.com/TMM to get a free AG1 Travel Case with 7 free AG1Travel Packs in your Welcome Kit with your first AG1 subscription order while supplies last.  - Go to Leesa.com for 25% OFF select mattresses (through August 23, 2026) PLUS get an extra $50 off with promo code TMM, exclusive for my listeners  Learn more about your ad choices. Visit megaphone.fm/adchoices

AI stocks are booming, valuations are stretched, and capital spending is surging. Does that add up to a bubble—or just another story investors cannot reliably time? Tom and Don walk through Fidelity's warning signs without pretending anyone can ring a bell at the top.The practical conclusion is less exciting and more useful: stay diversified, keep realistic expectations, include the fixed income your plan needs, and do not mistake a recent gain for money the market owes you forever.Then a caller pressure-tests the flexible 5% withdrawal idea, followed by questions on delaying Social Security after leaving work and why convertible bonds add complexity without much benefit for individual investors.00:00 Time compression and the AI boom02:42 Is artificial intelligence in a bubble?04:51 Earnings, cash flow, and valuation signals07:14 Capital spending and the rate-cycle argument08:56 Fidelity's verdict—and the diversified response11:13 The greed hidden inside market timing13:04 How flexible is a flexible 5% withdrawal?19:56 Delaying Social Security after stopping work23:44 Convertible bonds and a very expensive C-share fundQuestions? Comments? Click!

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cherina & Mowbray Rowand.

Markets fluctuate. That sounds obvious—until a favorite stock climbs for years and investors start treating gravity as optional. Tom and Don revisit Financial Physics and the essential difference between a temporary market decline and permanent single-company damage.The cure is not predicting the next dip. It is connecting the return you need with the volatility you can tolerate, then owning thousands of companies and rebalancing instead of reacting.Questions range from IRA eligibility for business owners to building a global portfolio in Singapore, choosing bonds near retirement, using a self-directed 401(k) window, and making a retirement plan before the calendar makes one for you.00:00 Money Monday and the law of financial fluctuation02:57 Why individual winners eventually stumble05:04 Temporary market declines versus permanent stock losses06:56 Return, volatility, and the tradeoff nobody escapes09:32 Diversification across roughly 10,700 companies12:16 IRA contributions for LLCs, partnerships, and corporations15:54 A listener's investing journey from Singapore18:08 Fixing a concentrated U.S. portfolio overseas21:17 Bonds as retirement approaches23:40 Self-directed 401(k) windows and overthinking24:31 Build a retirement life—not just a retirement dateQuestions? Comments? Click!

Matt Faircloth talks to Brian Sutton, a seasoned expert with decades of experience and a proven track record, to discover how to turn market distress into your next big win. Whether you're starting out or scaling up, this is your roadmap to navigating the new normal with confidence and vision. You'll also learn why funds are increasingly preferred by big players for downside protection and diversification, plus how to start building your own track record of full-cycle success. Brian emphasizes the importance of a prosperous mindset, collaboration over competition, and knowing when to rip the band-aid off for a clean exit, rather than riding a deteriorating deal into disaster. Brian Sutton CEO & Founder of Two Waters Capital Based in: Alpharetta, Georgia Where to find them: https://www.linkedin.com/in/brian-sutton-b0595156/ https://2waterscapital.com/ Book your free demo today at bill.com/bestever and get a $100 Amazon gift card. Visit https://malabarhillcapital.com/ for more info. Podcast production done by⁠ ⁠Outlier Audio⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices