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Andy Schwartz CEO, OnePoint BFG Wealth Partners  |  Kevin Spahn Founder, Spahn Financial (now OnePoint BFG) Two former Northwestern Mutual advisors, two very different paths. Andy Schwartz and Kevin Spahn share what it takes to build, grow, merge, and create lasting enterprise value. In Summary What separates a successful advisory practice from an enterprise with the ability to grow well beyond its founders? Andy Schwartz and Kevin Spahn offer two different perspectives on that question. Both spent decades at Northwestern Mutual, but their paths eventually diverged. Andy left to help build what is now OnePoint BFG Wealth Partners, an $18B+ firm expected to surpass $20B by year-end. Kevin built one of Northwestern Mutual's top practices before deciding to merge his business into OnePoint and become an equity partner. Louis talks with Andy and Kevin about the decisions behind both journeys: creating a true firm rather than an aggregation of practices, transitioning advisors from 1099 to W-2, using outside capital without relinquishing control, rethinking succession, and determining when equity in a larger enterprise can offer greater opportunity than continuing to build alone. Underlying it all is a factor that's much harder to quantify: trust. The Storyline Andy Schwartz and Kevin Spahn have known each other for roughly 30 years. They met while both were building careers at Northwestern Mutual, where Andy became an important mentor to Kevin as Kevin transitioned from practicing law and estate planning into wealth management. After roughly 30 years at Northwestern Mutual, Andy and his partners left in 2015 with approximately $3B in assets to launch independently. What began as Bleakley Financial eventually became OnePoint BFG Wealth Partners, an $18B+ enterprise that Andy expects will surpass $20B by the end of 2026. That kind of growth required more than attracting assets. Andy describes the evolution from a predominantly 1099 structure into a firm where more than 85% of advisors and AUM are now W-2. The shift created a more cohesive enterprise, gave advisors access to equity, and ultimately positioned OnePoint to bring in minority capital from Joe Duran's Rise Growth Partners. Andy makes an important distinction about that relationship: OnePoint is “private equity invested,” not “private equity owned.” The structure gave the firm capital and expertise while allowing its partners to retain control. Kevin faced a different decision. After more than 30 years at Northwestern Mutual, his practice had grown to 18 people and approximately $2B in assets. He was happy at the firm, but his clients had evolved, his business had become increasingly complex, and the internal succession plan he once envisioned carried risks he could no longer ignore. He could have built an independent firm himself. Instead, he chose to merge with OnePoint. The decision wasn't driven by the largest possible check. Kevin saw the opportunity to become an equity partner in a larger enterprise, give his team and clients a more durable future, and leverage infrastructure he didn't want to recreate himself. For both men, the story ultimately comes back to the same principle: The right economics matter, but sustainable partnerships require trust, shared philosophy, and the belief that everyone involved can create more value together than separately. Topics Covered Building an enterprise versus building a practice Northwestern Mutual and the path to independence OnePoint BFG Wealth Partners' growth from ~$3B to $18B+ Organic growth versus M&A Creating a growth-oriented advisor culture Moving from a 1099 model to a predominantly W-2 structure Equity ownership and advisor alignment Minority private equity investment Rise Growth Partners and Joe Duran Internal succession versus an external merger Selling versus merging an advisory business Merging versus teaming versus going it alone Evaluating equity versus cash in a transaction The economics of leaving a captive firm Centralization versus advisor autonomy Trust as a factor in partnerships and transactions > Download a transcript of this episode… Listen and Learn Highlights for Advisors How did Andy and Kevin's 30-year relationship ultimately lead to a transaction? (04:11)Kevin explains how Andy helped him transition from attorney and estate planner into wealth management, beginning a professional relationship that would eventually make their partnership possible decades later. Why did Andy leave Northwestern Mutual after roughly 30 years? (08:45)Andy describes wanting greater flexibility, a multi-custodial platform, and more optionality for clients and the business—a decision that ultimately led to the creation of OnePoint BFG. Why did Kevin decide his longtime Northwestern Mutual practice needed something different? (15:49)Kevin explains how his clients, service needs, and business evolved over time, while concerns about his original internal succession plan led him to consider a different path. What has driven OnePoint's growth from approximately $3B to $18B+? (21:41)Andy outlines the firm's emphasis on client experience, advisor experience, organic growth, and carefully selected inorganic growth—and why helping advisors grow is fundamental to the model. Why does Andy say OnePoint is a firm rather than an aggregator? (23:54)The distinction comes down to alignment, shared responsibility, centralized resources, equity, and a partnership structure in which advisors are accountable to one another. How did OnePoint convert a predominantly 1099 advisor base into a W-2 enterprise? (29:26)Andy explains why capital and equity became necessary to build the next stage of the business and why trust was essential to bringing advisors into a more integrated structure. Why did OnePoint choose minority private equity investment? (33:13)Andy shares why Rise Growth Partners offered something previous potential buyers had not: a structure designed to benefit the broader advisor partnership while preserving control. Why did Kevin merge with OnePoint rather than shop his practice broadly? (36:43)For Kevin, maximizing price wasn't the objective. His decision centered on trust in Andy, confidence in OnePoint's infrastructure, and creating a strong future for clients and employees. Why did Kevin choose equity in the larger firm instead of simply cashing out? (40:57)Kevin explains why he believes participating in the future growth of a larger enterprise offers a compelling alternative to relying solely on the future growth of his own practice. How should advisors evaluate the “golden handcuffs” that can make leaving difficult? (46:42)Andy argues that the analysis needs to compare what an advisor gives up with the potential growth, economics, equity, and leverage available on the other side. How much conformity does a true enterprise require? (49:06)Andy explains why OnePoint sits somewhere between complete advisor autonomy and complete centralization, seeking enough consistency to create enterprise value without eliminating entrepreneurial flexibility. What would Andy and Kevin tell their younger selves? (52:06)Kevin emphasizes surrounding yourself with the best people possible, while Andy reflects on having the courage to make a difficult change after a successful 30-year run. Key Takeaways Building enterprise value requires more than asset growth. OnePoint's evolution included changing its ownership structure, integrating advisor practices, creating equity opportunities, and investing in centralized capabilities. Organic growth remains central even in an M&A-driven market. OnePoint targets approximately 10% organic growth and evaluates prospective partners partly on whether they are growth-oriented and whether the firm can meaningfully help them grow. A collection of successful advisors does not automatically make a firm. Andy sees shared ownership, alignment, accountability, infrastructure, and centralized services as critical distinctions between an enterprise and an aggregator. Outside capital does not have to mean giving up control. OnePoint chose a minority investment from Rise Growth Partners that provided capital and strategic support while leaving control with its operating partners. Succession can expose risks that growth may obscure. Kevin began reconsidering his internal succession strategy when he recognized its dependence on his continued production, key employees, and the future economics of an aging client base. The highest purchase price isn't always the most valuable transaction. Kevin prioritized equity participation, infrastructure, continuity for his employees and clients, and confidence in his future partners over broadly shopping his business for the highest bid. Trust can determine whether structural change is possible. From OnePoint's 1099-to-W-2 conversion to Kevin's decision to merge, both guests repeatedly point to established trust as the foundation that allowed significant business decisions to happen. https://youtu.be/jkIoynpZj6Y Quotable Moments “The biggest mistake advisors make is they buy their own bullshit.”— Andy Schwartz “We're not an aggregator, we're a firm.”— Andy Schwartz “The biggest issue is trust. Either they trust you or they don't.”— Andy Schwartz “I wasn't looking to sell my business. I was looking to merge it.”— Kevin Spahn “You have to trust them. You have to see that they provide value. And you need to be on the same page philosophically.”— Kevin Spahn “Associate yourselves with the best people you can… It accelerates your trajectory in ways that you can't do on your own.”— Kevin Spahn FAQs Why did Andy Schwartz leave Northwestern Mutual? After approximately 30 years at Northwestern Mutual, Andy and his partners wanted greater flexibility, the ability to operate on a multi-custodial basis, and more optionality for clients and the business. They left in 2015 with approximately $3B in assets and launched the independent firm that ultimately became OnePoint BFG Wealth Partners. How large is OnePoint BFG Wealth Partners? At the time of the interview, Andy says OnePoint manages more than $18B and expects to exceed $20B by the end of 2026, even without additional organic growth. What has driven OnePoint's growth? Andy points to three priorities: client experience, advisor experience, and growth. The firm targets approximately 10% organic growth while also expanding through acquisitions and partnerships with advisors it believes fit the OnePoint model. Why did OnePoint move advisors from 1099 to W-2? The firm wanted to evolve from a platform supporting individual practices into a more integrated enterprise. That required creating firm-level economics and equity that could be used to attract, retain, and align advisors. Today, Andy says more than 85% of OnePoint's advisors and AUM are W-2. What does “private equity invested, not private equity owned” mean? Rise Growth Partners holds a minority, non-controlling interest in OnePoint. The investment provides capital, expertise, and strategic support while the operating partners retain majority ownership and control of the business. Why did Kevin Spahn leave Northwestern Mutual? Kevin says he remained happy at Northwestern Mutual, but his practice and clients had evolved. His work had shifted increasingly toward investments and complex high-net-worth planning, while he also began identifying risks in his intended internal succession plan. Why did Kevin merge with OnePoint rather than launch his own independent RIA? OnePoint already had the infrastructure, people, and capabilities Kevin would have needed to build himself. The merger allowed him to focus on clients while becoming an equity partner in a larger enterprise he believed could grow faster than his standalone practice. Why didn't Kevin shop his practice to multiple buyers? Kevin says his decision was driven primarily by trust. He had known Andy and other OnePoint partners for decades and believed the firm offered the right future for his clients and employees. His choice ultimately came down to staying at Northwestern Mutual or joining OnePoint. How do Andy and Kevin suggest advisors evaluate a potential partner? Their discussion points to three fundamental considerations: trust, demonstrable value, and philosophical alignment. Economics matter, but both argue that a sustainable partnership depends on confidence in the people and business on the other side of the transaction. After approximately 30 years at Northwestern Mutual, Andy and his partners wanted greater flexibility, the ability to operate on a multi-custodial basis, and more optionality for clients and the business. They left in 2015 with approximately $3B in assets and launched the independent firm that ultimately became OnePoint BFG Wealth Partners. At the time of the interview, Andy says OnePoint manages more than $18B and expects to exceed $20B by the end of 2026, even without additional organic growth. Andy points to three priorities: client experience, advisor experience, and growth. The firm targets approximately 10% organic growth while also expanding through acquisitions and partnerships with advisors it believes fit the OnePoint model. The firm wanted to evolve from a platform supporting individual practices into a more integrated enterprise. That required creating firm-level economics and equity that could be used to attract, retain, and align advisors. Today, Andy says more than 85% of OnePoint's advisors and AUM are W-2. Rise Growth Partners holds a minority, non-controlling interest in OnePoint. The investment provides capital, expertise, and strategic support while the operating partners retain majority ownership and control of the business. Kevin says he remained happy at Northwestern Mutual, but his practice and clients had evolved. His work had shifted increasingly toward investments and complex high-net-worth planning, while he also began identifying risks in his intended internal succession plan. OnePoint already had the infrastructure, people, and capabilities Kevin would have needed to build himself. The merger allowed him to focus on clients while becoming an equity partner in a larger enterprise he believed could grow faster than his standalone practice. Kevin says his decision was driven primarily by trust. He had known Andy and other OnePoint partners for decades and believed the firm offered the right future for his clients and employees. His choice ultimately came down to staying at Northwestern Mutual or joining OnePoint. Their discussion points to three fundamental considerations: trust, demonstrable value, and philosophical alignment. Economics matter, but both argue that a sustainable partnership depends on confidence in the people and business on the other side of the transaction. Related Resources Rise and Reinvent: Joe Duran on Building and Rebuilding World-Class Firms From Insurance Sales to $8B RIA: A Northwestern Mutual Breakaway Story The 4th Annual Advisor Transition Report Andy SchwartzCo-Founder, Managing Partner, and Chief Executive Officer Andy Schwartz is the Co-Founder, Managing Partner, and Chief Executive Officer of OnePoint BFG Wealth Partners, where he also serves as a Wealth Management Advisor. A CERTIFIED FINANCIAL PLANNER® with more than 40 years of experience, Andy has built his career around helping clients make confident, well-informed financial decisions at every stage of life. He works extensively with physicians and business owners on wealth building, retirement planning, and tax-efficient asset transfer across generations. A 2026 finalist for Wealth Management Awards CEO of the Year (under $25B AUM), Andy brings the same discipline to leading the firm that he brings to client relationships: comprehensive planning, long-term thinking, and an unwavering commitment to independence and integrity. Beyond his client work, Andy is deeply invested in the advisory profession itself. He co-hosts The Advisor’s Compass podcast, offering candid, practical guidance on the business and responsibilities of being an advisor. His mentorship philosophy is straightforward: pass the ladder back down. His industry recognition spans more than a decade, including Top 1,200 Advisor by Barron’s (2018–2024), Top 250 Wealth Advisor and Best-In-State Wealth Advisor by Forbes (2018–2024), Top 400 Financial Advisor by the Financial Times (2018–2020), and Top 100 Independent Advisor (2020–2023). He was named Executive of the Year by NJBIZ in 2019 and was a finalist for the Invest in Others Lifetime Achievement Award for more than 20 years of service with NJ SEEDS. Andy holds a B.S. in Finance and Marketing from Rowan University and is actively involved with Nourish NJ, the Navy SEAL Foundation, the Jewish Federation of Greater MetroWest NJ, and JSDD. Outside the office, he enjoys golf, reading, and time with his family at the beach.   Kevin SpahnPartner and Wealth Advisor Kevin Spahn is a Partner and Wealth Advisor at OnePoint BFG Wealth Partners, bringing more than three decades of experience in comprehensive financial planning to his clients and the firm. Kevin’s path to wealth management is rooted in the law. After earning degrees from the University of Notre Dame and the University of Wisconsin, he began his career as a practicing attorney before making a deliberate pivot toward financial planning in 1993. He joined Northwestern Mutual, then founded Spahn Financial, building a practice centered on thoughtful, holistic planning for families and business owners. That practice joined OnePoint BFG Wealth Partners in 2025. His approach has remained consistent throughout: help clients build and protect wealth not just for themselves, but for the generations that follow. Kevin works with clients on comprehensive financial plans that account for the full picture, understanding that the impact of good planning extends well beyond an individual portfolio to families, businesses, employees, and the broader community. Kevin is based in the greater Chicago area.   NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Build, Grow & Transact: Making the Leap from Northwestern Mutual to a $20B Enterprise A conversation between Louis Diamond, Andy Schwartz, CEO of OnePoint BFG Wealth Partners and Kevin Spahn, Founder of Spahn Financial (now OnePoint BFG). Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: Making the Leap from Northwestern Mutual to a $20B Enterprise. It’s a conversation with Andy Schwartz, CEO of OnePoint BFG Wealth Partners, and Kevin Spahn, founder of Spahn Financial, now OnePoint BFG. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. Each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education-driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions, and more, inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: There’s a big difference between building a successful practice and building an enterprise. I think Andy Schwartz and Kevin Spahn offer a unique perspective on that distinction from two very different sides. Both spent decades in the Northwestern Mutual system. Andy ultimately left to build what became OnePoint BFG Wealth Partners, taking the firm from roughly three billion to nearly 20 billion and transforming just about every aspect of the business along the way. Kevin built one of Northwestern Mutual’s top practices before reaching a different inflection point, deciding what he wanted the next phase of his career and business to look like. Rather than go independent on his own or simply monetize what he had built, he chose to become part of Andy’s growing enterprise. That makes their story particularly relevant for our Build, Grow, and Transact series. Andy can speak to what it takes to build a firm capable of becoming an acquirer, from converting advisors from 1099s to W-2s, to creating equity opportunities, to bringing in outside capital while remaining very deliberate about being private equity-invested rather than private equity-owned. And Kevin brings the seller’s perspective, how you evaluate the economics, the trade-offs, and ultimately the people you’re trusting with the business you spent more than 30 years building. Because whether you’re building, buying, or considering a transaction of any kind, the numbers are only part of the equation. As you hear from both Andy and Kevin, trust may be the most important currency of all. So let’s get to it. Andy and Kevin, thank you so much for both joining us today. Andy Schwartz: Great to see you again, Lewis. Thank you for having us. Louis Diamond: I’ve been excited about this interview for a bunch of reasons. One, our Build, Grow, Transact series has become a real staple of our show and we got lots to talk about there. But also, the friendship, the relationship that you two have had for over 30 years really stood out to me. So before we get into the nuts and bolts, talk about your relationship. How’d you guys meet, and how did your career stay so intertwined together when you’re in different geographies and at different firms, and have each been very successful in your own rights? Andy Schwartz: Sure. Kevin, do you want to start with that? Kevin Spahn: Sure. I started in this career in 1994 and met Andy sometime after that. He was a more advanced financial planner. I was an attorney, and then I transitioned into this business. So when I first joined Northwestern Mutual, which is my first broker dealer, I didn’t really have a background in investments. At the time, a lot of Northwestern Mutual reps were learning the investment business because they maybe originally started with Northwestern Mutual focusing more on insurance planning. My background was more estate planning. At the time, if you think early ’90s, if you did estate planning, insurance often went hand in hand with that. The estate exemption in early 1990s was about $600,000. So if you pass more than $600,000 to your children, there was a 55% tax. One way around it was to put insurance in an irrevocable trust, help cover the tax that way. So it really was a popular common strategy back then, and it’s really what got me into the business. But I quickly realized that I didn’t want my future to be insurance and estate planning. And there was a conflict if you acted as someone’s attorney and sold insurance. So I had to pick one way or the other. I decided long-term it would be better for me to move into the wealth management space. But with that little background in that, I had a lot of work to do. So took a lot of tests, became a certified financial planner. But the person that helped me the most along the way was Andy. We became friends, we sat on committees together. That’s really how we met, I would say. So we worked side by side interacting with our home office and representing the field, bringing issues to the home office that we thought were beneficial to the field. As we did that together, I got to know Andy. And then separately, I learned from him how he built his business and how they would review clients’ portfolios and come up with solutions. So I really credit Andy with helping me more than anyone else to transition from attorney, financial planner doing more estate planning insurance to wealth management. Louis Diamond: Very cool. Hey, I would say, maybe I’m a little biased, that, Kevin, you picked the right path in hanging up the law shingle and coming into wealth management. Kevin Spahn: I tell a lot of people I’m a reformed attorney. Andy Schwartz: Great. Louis Diamond: Exactly. My dad would say the exact same thing. Very common at dinner tables in the Diamond households. Andy Schwartz: I was always grateful that I wasn’t smart enough to be an attorney. Louis Diamond: There we go. Andy Schwartz: That’s where my gratitude lies. Yeah. Louis Diamond: There we go. Andy Schwartz: Some would say he’s too smart. Louis Diamond: There we go. Andy, question for you. I mean, anyone who is at or was at Northwestern Mutual, I mean, you’re like Elvis to them. It’s absolutely crazy the amount of fanfare and brand recognition that you and your brother Scott have. But for those who maybe missed your first podcast appearance with us a number of years ago, or aren’t or weren’t within the Northwestern Mutual system, or haven’t been familiar with Bleakley and now OnePoint BFG, just give us the cliff notes, the origin story, how you got into the business, and how’d you get from here to there? Andy Schwartz: Yeah. So the origin is probably pretty common, probably by accident. Going into my senior year in college, I was working in a restaurant, had a falling out with my boss. I happened to be dating a woman who was living with a general agent with Fidelity Union Life. No one will have ever heard of Fidelity Union Life, but their secret sauce was they sold life insurance to college seniors on a note. So if you can get a $10 money order, because where I went to school, nobody had a checking account, then you could basically get a note signed and they would buy insurance. And then when they graduate, hopefully they’d pay for it. I started selling life insurance my senior year in college. And then my twin brother Scott, who is my partner, and has been for over 40 years, he took an interview with what was the nucleus of our present firm actually. I just went up to Northern New Jersey in May of 1984 because I was an expert. I had been selling life insurance to college kids for six months, so I knew everything you had to know. We met with these guys, and we both ended up joining them. So that was a Northwestern Mutual district agency, and that was 1984. We got licensed right away. I got my CFP in ’86. We always knew that it was going to be about planning. So I think we had the right idea. We were a little ahead of the curve because there weren’t a lot of CFPs in ’86. We got securities license immediately. So before Northwestern had securities license, we got securities license with US Life actually. And then it was really a volume business, a client-building business. We always tried to act as a firm and share resources. We were small, but like a lot of people, we started out selling A shares and B shares and C shares, doing financial planning, selling insurance, and then we made a lot of really good hires along the way. And then after 30 years at Northwestern Mutual, which was a great experience for me, and I have nothing but respect for the institution and certainly the advisors that are there, Kevin certainly was one of them, and I know he feels the same way, but we just wanted to have a little more flexibility. We went independent about 11, almost 12 years ago. We wanted to be able to be multi-custodial. We wanted to have a little bit more optionality for our clients and for ourselves. We left Northwestern at three billion or so in assets, and that was in 2015. It’s in March of 2024, I get introduced to this guy with a crazy accent named Joe Duran. Funny, probably the only person in the industry that had no idea who Joe Duran was me. I’d never heard of Joe Duran. I don’t pay attention. I worry about our firm. I don’t worry about what’s going on outside. So I get introduced to Joe by a mutual friend, and we had an interesting conversation, and it took us probably about four or five months to figure out what we wanted to do. And then in August of ’24, myself and my three partners, we rolled in. And then in ’85, the rest of the firm rolled in. And we can talk a little bit more about that. Today we’re 18-plus billion, growing quite a bit. We’ve been very lucky that we’ve made some very good decisions along the way. We’ve made some bad ones too. But most of the decisions had to do with the people that we hired, the people that we brought on to help us, because I think it’s really important. I always say that the biggest mistake advisors make is they buy their own bullshit, and I try not to, and I realize that I’m smart enough, but I’m certainly not the smartest guy. I’m rarely the smartest guy in the room. So what we try to do is hire lots and lots of really smart people. And we’ve done that. They’ve been loyal to us, we’ve been loyal to them. Yeah, so we’re blessed to have a really great team and lots of good partners. Yeah. Louis Diamond: Yeah, we’ll definitely get into more of the nuts and bolts of the decision to take on capital, partner with Joe Duran’s Rise, but that’s an amazing background. Andy, I have to give you credit because your style, and I think I’m sure there’s business benefits, but it comes from a good place, I’m sure. But the coaching and consulting and just assistance that I’ve heard you provide to so many past and current Northwestern Mutual advisors through sports camps is absolutely incredible. It’s very near and dear to my heart because we always try to lead with education and helping people. So I just wanted to call that out, that your reputation for just providing amazing guidance and coaching to advisors is unparalleled. Andy Schwartz: And it’s been the best part of our journey. We’ve been able to help so many people. We get way too much credit by the way. So everybody gives us way too much credit. But the way I look at it is, I’ve been able to leverage my life because I’ve been able to build a great life for myself and my family, but we’ve been able to leverage that, and that’s where the real gift is. So yeah, it’s been a joyful journey for us. Louis Diamond: Amazing. Kevin, question for you. You walked through your little bit unorthodox background to get into Northwestern. Can you talk about where your personal practice is today? And then I want to ask you about the decision to leave Northwestern and sell and team up with Andy and team. Kevin Spahn: Well, I have to go back to the beginning. What was attractive to me about this business is I went from a career which was confrontational adversarial. I was a trial attorney for six years, and every day I would fight with people over things I didn’t necessarily have a personal interest in and I didn’t really believe in always. But the adversarial confrontational nature wasn’t really my personality, and I would take it too personally. So sometimes I’d go home in a bad mood because I was fighting with somebody taking a deposition. At night, after so many years as a trial attorney, I started going to people’s houses and doing wills and trusts. And that’s where the dynamic of working with a client or a potential client, feeling that you helped them and walking out of the meeting where they would appreciate what you did for them, and you build a relationship and actually all of a sudden have a friend, that dynamic was attractive to me. That’s really what got me to transition into the business. So I think it was really helpful to me at the beginning of this career. As Andy said, we all grew our businesses one client at a time. There’s a lot of doors closed, phones hung up on. There’s many people that don’t want to talk to you. There’s many people that don’t call you back. There’s many people that you think you’re getting somewhere with and you don’t. And that’s difficult for people because people often, young reps take that as personal rejection. I had the benefit of comparing what I was dealing with as a young financial planner to what I had dealt with as an attorney in litigation. I think it just was perspective that I knew I didn’t want to do that anymore. So the negatives to this business didn’t seem that bad to me. I loved the independence. I loved all the relationships that I was building. And that part of it is to this day my favorite part of the business. When you ask about the present, what basically happens is you start out taking anybody and everybody as a potential client or as someone that you would be willing to work with. And then over time you work with more successful people. So where I’m at today is working with pretty successful people, but they’re all the same, meaning we like working with nice people. If people are nice, we work with them. I feel we can help anybody. Over the years, one client at a time. The thing that I probably, if I could go back, would change is I think Andy and I are both good at meeting people and building trust and providing value, so that’s why they work with us. So I think that’s just something we’ve both been able to do. He’s much better than I am at building an organization. So I built an organization basically hiring people, that whenever we got too busy, I hired another person. Drawback in terms of that is, anybody that I interview I think is great, and I think they’d be great to join the organization. I like them all. In spite of that, I’ve also brought in many good people that I love. At this point, my firm has 18 people. We’re a little subset of Andy’s larger firm. I think one of the most attractive things to me about joining Andy’s firm is what Andy mentioned before: the people. As opposed to me having to build this all out myself, going independent, Andy already did that. And he has the infrastructure that would allow me to just merge right into that and not have to go through the pain of figuring all that out, which I don’t even think I’m capable of, to be honest with you. Louis Diamond: You’re probably selling yourself short because the way I understood it, you had one of the top practices within the entire Northwestern Mutual systems, and it’s a firm filled with very successful advisors. For you, Kevin, what was the driving force to leaving NM after all these years? What was bothering you or frustrating you that indicated to you that it was time to do something different? Kevin Spahn: To be honest with you, I was pretty happy at Northwestern Mutual. I love the company and the people. I still have many good friends there that I truly miss. The big thing for me, I don’t know if it was any one thing, to be honest with you, is Andy said there’s optionality, especially on the investment side. I think one of the things that happened to me is, when I first started, I was 31 years old, and most of the potential clients that I would meet and work with, they weren’t what I would call today great investment clients. They didn’t have a lot of money. They had great futures. They might’ve been earning significant income or on the way to earning significant income. So what did they need at that point in their life? They needed planning. They needed protection. They didn’t really need investment management because most of their investments were going into their 401(k). But a lot of those clients that we would take on, and I think that’s the big advantage of Northwestern Mutual, you take on clients that a lot of the investor firms don’t want because they don’t have large investment portfolios. But at some point down the road, all of a sudden you wake up and they do have large investment portfolios. So you bring them in as clients that might buy life insurance from you or disability insurance or something like that. And then you help them, and you give them advice, and you build a relationship with them. Down the road, they make more and more money. They leave jobs, they roll 401(k)s, they have the ability to invest money, stock options, things like that. Next thing you’re doing more comprehensive planning that incorporates investments. As that progresses even further, you work with larger and larger clients, much more significant net worth, more complexity, bigger tax issues. Some of the strategies and opportunities that we now have at this independent RIA are very attractive for these high-net-worth clients. Along the same lines, less of what I do at this point in my career is insurance, mostly because a lot of the people that I meet are older, they already bought insurance, they’re looking more for investment advice as opposed to insurance. So one of the things that most attracted me to Northwest Mutual was their strong insurance products, which helped me for many years. As time went on, I was doing less of that. Louis Diamond: Makes complete sense. So it was a changing of what clients wanted and just the circumstances of your clients where you said, “What got me here when I was 31 was insurance planning, and that’s what my clients needed. But as my practice has evolved, I’ve aged, my clients are older, have more money, the focus shifted from insurance to investments.” And then the distinction was, am I at the best place to run investments in addition to insurance planning, et cetera? It’s a very interesting dynamic. Just the shift in basically your legacy clients was what drove you to consider change. Kevin Spahn: That was a big factor. I think the second big factor was I had my own firm with 18 people. My succession plan was that at some point I would shift ownership of the firm to people that worked with me. So as they owned more of the firm, they would have revenue that was currently at the time being paid to me. In my mind, as it shifted to them, they would buy me out using revenue from the clients that we already had. And I realized that there were some issues with that. In our business, as you get older, in your client’s age, they start taking money out of their portfolios. So everyone understands that in our business, the younger average age client you have makes your book more valuable. I was the biggest driver of new business at my firm, and I started to see that there were some problems with my succession plan. They included, if something happened to me during this succession, that would be a real problem for the people that were buying my business from me if I went that way. If something happened to some of my key people, that would’ve been a problem as well. So it was really attractive to me to… I wasn’t looking to sell my business, I was looking to merge it. So I merged it with Andy’s business. I believe that Andy and what he’s put together and the actual idea of having partners. So I never really had partners, but now I do. Having partners that we’re all on the same page, we all have similar backgrounds, we all bring something different to the table, and we can learn and benefit from working with each other. But also, owning a little piece of a much larger firm was, number one, it put me in a better position in terms of the potential risk of something happening to me or one of my key people. But secondly, I just think it’s more likely to grow at a greater pace than my firm would’ve as I aged from my 60s to my 70s. Louis Diamond: Very interesting. It’s a great realization. I think it’s one that probably every firm owner grapples with at some point, is the romanticism or the ease, some would say, of an internal succession plan. Rewarding those who have helped you build the firm is something I think everyone is interested in. But once that’s put into practice, whether it’s because of capital or sky-high valuations or right people on the bus or risk, et cetera, nowadays oftentimes leads to a firm owner looking at a transaction, whether it’s a merger, a sale, a private equity, capital infusion as a means to solve for succession. So it’s a very interesting way you framed it. Andy, I want to turn it over to you for a little bit. So you mentioned when you launched Bleakley Financial, which was the old name of your firm, out of Northwestern, you’re about three billion. I think I read that you’re about 10 billion or so when Joe Duran and Rise invested you in 2024. You just said you’re at 18 billion now in the middle of 2026. That is absolutely incredible and amazing. Andy Schwartz: We’ll be well over 20 by the end of the year without any additional organic growth. Louis Diamond: That’s absolutely incredible. Andy Schwartz: We’ve got a lot going on right now. Louis Diamond: What’s actually driven that? What’s been the playbook? Andy Schwartz: The three areas that are most important for us, and we had our town hall this morning, and we always talk about the things we focus on as a group, the first and most important is the client experience. I always say to people, if you are their advisor, then that means someone else isn’t. These people, they all deserve to be really well taken care of. They deserve the best service, they deserve the best advice. So that’s something we take really personally. So client experience first. Then we also understand that we don’t just work for clients, we work for our advisors. So I have two jobs. I have, I don’t know, 500 clients I service with my team, and I work for Kevin and 36 other partners and all of our employees. Because again, I recognize that the decision Kevin made… We’re in the middle of a transition out with another advisor, and we pretty much talk to her every day, and I know how hard this is. A transition is so difficult. When you come from a good place, because any of the Northwestern advisor who joins, they’re coming from a good place, it’s not like they have to go anywhere, it’s difficult. So we have the massive responsibility that three or four or five or 10 years from now, that there better be hugs around that this was the best decision ever made or otherwise. That’s the kind of thing that keeps me up at night. So we’ve got to take care of our client experience, we’ve got to take care of our advisor experience. And then obviously, we’ve got to grow the firm so the firm grows organically. So part of this whole idea of serving our advisors is we have to help our advisors grow. I talk to a lot of people on the acquisition side, and if I’m talking to an advisor, it doesn’t matter how big they are, we kind of think of it as a OnePoint way. There’s flexibility in the OnePoint way. But if I can’t help them grow, I don’t want them, because I say it all the time, I’m not the mafia. I’m not here to get a taste. Louis, if you weren’t interested in joining us, if I thought that we could help you grow by doing that, then I want you bad. If I don’t think I can help you grow because we’re so different, or because you’re not going to adapt what we do, or there’s no leverage in it, or you’re already better than we are, I don’t want it. So for us, organic growth, number one, and I think you know the industries well enough, that’s got to be the key. We shoot for 10% organic growth. We’re at a little over 5% so far halfway through the year. So assuming we have the similar second half of the year, we’ll hit our 10. Last year we’re at 7.5%. The second is the inorganic growth. If you truly build a platform, if you truly build a firm that advisors know that they’ll be supported, that they’ll be loved, and you’ll help them grow their businesses, it does make it easier for us. We’re not the highest bidder typically. We can’t. We respect our client’s capital, we respect their equity, so therefore we’re not going to go out there. We’re not an aggregator, we’re a firm. But I think that if we can get that message across, and I think we have, then advisors join us. So that’s been a big part of the growth. And then the market’s helped. Obviously, over the last two years, the market’s been helpful. So that’s how we’ve gone from 10 to 18 and on our way to 22 by year-end. Louis Diamond: This is absolutely incredible. Any advisor or firm owner would say organic growth is important, but just saying it’s important doesn’t mean it’s going to happen. So what are the ways in which you help your advisors or your own practice grow organically? What is it that OnePoint is doing for your advisors? Andy Schwartz: Starting with bringing on growth-oriented advisors. I mean, look, Kevin Spahn and I come from the same place. We learned how to sell. The great thing about coming out of whether they’re broker dealers or out of the different insurance BDs is, these are people that know how to sell. These are people that don’t think that selling is a bad word. A lot of times you go to the wirehouses and they’re not necessarily sales guys. They’re really smart. They think that they’re investment mavens and investment geniuses. I’m not interested in investment geniuses. I’m interested in people that want to take care of their clients, provide everything they can, clients first, do the proper planning, be good advisors, but they’re growth-oriented. So as long as we’re talking with the right advisors. Again, if I’m talking to advisor and they might have a big practice, if they’re not growers, we’re not interested. There’s a sense of responsibility for all the partners because we are a true partnership. It’s not an aggregation. This is a firm. I’m responsible for Kevin. Kevin’s responsible to me. All of our partners are responsible to each other, because if we’re going to do a 10% organic growth target, and if some partner is negative 3%, we don’t put them through the spanking machine, but everybody is very aware of where everybody is and nobody wants to let their partners down. I think either you’re a growth-oriented advisor or you’re a zoo-fed bear. There’s another expression that I got from another Rise Growth Partner or Rise Growth firm. We all kind of communicate and talk to each other. And I was talking about zoo-fed bears, and he said, we call them house cats that think they fight. So they’re house cats, but they have no claws. But I think if you’re careful about who you bring on as partners, and if they are workers, growers, they understand that their job in life is to serve the people. We talk about referrals, we do lots of training to help on referrals. We work on organic growth strategies from the firm, but a lot of it comes from the advisors themselves. Louis Diamond: Makes sense. So it sounds like, to boil it down, it’s being really selective and having a really clear sense of who’s the right fit for your firm. Not that there’s not amazing advisors out there, but just because you’re an amazing advisor, doesn’t mean you’re the right fit to join OnePoint. Andy Schwartz: I think the one big distinction and difference is other than the fact that we are minority-owned with private equity. So we own our business. I mean, I’m the CEO of the firm. I also have the biggest book in the firm. At least for right now, I mean, Kevin was transitioning, so I’m sure next year he’ll be the leading advisor. But I lead the firm, because as far as I’m concerned, you have to lead by example. We are completely aligned. I know exactly what Kevin does every day because I do the same thing. I’m not some attorney or accountant or private equity boss that’s saying, “Oh, I’ve got an idea for growth. We’ll just raise our fees by 5%.” Brilliant. Yeah, we are completely aligned, all of us. I think that makes us a little bit unique, and it really helps us, I think, in our growth trajectory. Louis Diamond: I would agree. The challenge that a lot of advisors-turned-firm-owners or turned-enterprise-builders have is the tug of war between the client work, which either is their ultimate passion and driving force, or it’s something they’re really good at minimum, versus being the owner, the operator, et cetera. I resonate very much, Andy, with the way you handle it. I do the same thing running a company, but also working with advisors. To me, I need to do both in order to do my job well. But that tug of war is tough. So I’m curious, your firm is very large now, you’re a steward of external capital, and you have a $3 billion book yourself. How do you do it? How do you balance the two? Andy Schwartz: Well, fortunately, my kids are grown, so I’m not coaching sports anymore. So I do have a little more time than most. Look, we have a great team. So the idea that I run the firm… I mean, I lead the firm, I don’t run the firm. We have great partners. We have great… Our manager team is fantastic. So I mean, they really run the firm. But this is where my passion is for now. So I don’t mind. Days are typically pretty long. I don’t play golf during the week. Mara and I don’t travel probably as much as we should. Vacations are always a little bit mixed. There’s always room for calls and meetings and whatever. But to me, I mean, I’m grateful to be in this situation. I’m enjoying it. This is such a privilege to be the person that people recognize as the leader of this bunch, of this group. I mean, it is the honor of my life. So I don’t think of it so much as work. It’s my advocation. It does get busy. There are some times where I have to remind myself, “Just enjoy the ride.” I get a little overwhelmed, but I get lots of help and that makes it possible. Louis Diamond: Yep. If you’re not doing the job of the folks that you’re encouraging and leading to do, how do you have fodder to train them, to teach them, to empathize with that? Andy Schwartz: Exactly, you don’t have the credibility. I can ask them to do almost anything because they know I do it myself, and I think that helps. Louis Diamond: Yep. So moving more into the decision to bring on private equity capital, what I thought was probably the most interesting component of your announcement that you took on PE investment was that you completely restructured or reoriented your firm prior to Joe Duran coming in 2024. Correct me if I’m wrong, but Bleakley Financial Group was almost all 1099 contractors. So everyone owned their own books of business, paid Bleakley a fee or an override for certain services. But now, today, over 85% of your advisors and your AUM are W-2 employees, meaning you converted them from 1099 to acquiring them or merging with them. To me, that’s the dream. It’s had to have been very, very, very hard and challenging because there’s so many aggregator firms or platforms that support independent advisors, but the value that they’ve created is fairly minimal relative to one cohesive firm. So can you just talk about that decision, a very big and brave decision to go down the path of acquiring or merging with the practices rather than letting them continue to operate independently? Andy Schwartz: Well, look, we had to… It’s funny because we had been having conversations for years with consultants, and they kept telling us what we had to do. Again, we’re not that smart, so we just kept thinking, “No, we don’t have to do that.” But we were told 10 years earlier that the only way that this thing has any value to the world is you’ve got to have EBITDA for the firm. We talked to all the smart people, we ignored all of them. But what happened was we needed capital and we needed equity in order to bring people on, because people aren’t just joining us just because we can help them grow a bigger business. So the reason we went in the direction we went initially was we just needed capital. We wanted to grow the firm, and the only way we were going to get to is… What’s the old saying? What got us here is not going to get us there. So we needed capital. But we also realized that I had to have something I could sell in the marketplace. And people want equity. So they want cash, but they also want equity, because we’re talking to entrepreneurs. Kevin owned his own firm. He has $2 billion of assets. He wasn’t interested in being someone’s employee, but he was interested in being able to get leverage and be a partner and share equity in a larger firm that had the chance to grow even more. So what the gift that Joe Duran, the Rise folks gave us was that gift of structure and understanding. So that was really helpful, and that’s been a big part of our success. Louis Diamond: Yeah, it’s an amazing journey. Again, I think you could probably write a book or a case study on how that happened. I’m sure there were some downfalls, some people that weren’t all that excited about it, but the results speak for itself. Andy Schwartz: I think people ask all the time because I do get phone calls. People are trying to do this, and they’re struggling. It took us 90 days to basically do it. People say, “I’ve been at this for two years.” And the biggest issue is trust. Either they trust you or they don’t. At the end of the day, I always went to the advisor here, we were a firm for 30-plus years prior, and these guys knew that we always did what we said we were going to do, and we always did. If your people trust you, then you can do it. If your people don’t trust you, it isn’t going to work. Louis Diamond: In other words, your firm added immense value to the advisors as well. Aside from trust, if you weren’t providing a service or services that they found a value that they couldn’t access on their own, it would’ve been 85/15 going the other way for sure. Andy Schwartz: Yeah, 100%. I know it’s not easy, but it wasn’t that hard for us. Louis Diamond: Good. It’s well-earned. So I believe you were Rise Growth Partners’ first investment. Andy Schwartz: We were. Louis Diamond: That’s cool. It’s exciting. You get to be someone’s first, but did it make you uncomfortable that you were the first investment or did you see that as a positive? Andy Schwartz: I actually saw it as a positive. Well, one, because I recognized immediately that Joe Duran and his team were way smarter than we were certainly, and certainly with what we were trying to do. And I figured that it’s almost like the first child. They were so excited to have somebody, and there was so much time and energy, so they just really doted on us. They were really able to help us. Now they’ve got four or five groups that they work with, and obviously we’ve been launched. So the younger babies are getting more time and attention, although we get everything that we need from them. But yeah, that never concerned me. I always thought that would be our advantage. It actually turned out that way. Louis Diamond: Interesting. In thinking through a sale or a minority sale, did you entertain other types of capital, whether it was a family office or a multitude of other private equity sponsors or selling the firm outright? Andy Schwartz: Yeah, we probably had four or five very, very serious conversations. Actually, some got pretty close to the end where we basically just made the decision not to do it. One was a much larger firm, good people. But the problem always was… I was always going to get rich out of the deal because it was going to be 100% sale, but there was really no lift or leverage from the advisors. So the principals, they were willing to pay me a big multiple and my partners a big multiple, and pay these guys basically an average multiple. So we had always told our guys, “Let’s stay together, and someday, this thing, whatever it’s going to turn into be, will benefit everyone.” So with the Duran situation and the deal with Rise did, it gave everybody a chance to benefit from what we were doing. But what was good about all of those false starts was, it taught me a lot because I had… I know you’re involved in this, so you know better than I do, but we’d start conversations, somebody would reach out to me, I would be very specific about what I needed. They would say, “Yep, we can do that.” And then you get to the finish line, and it’s almost like, I started out, I wanted a tomahawk steak and a baked potato, and I ended up getting a two-day-old hamburger with some cold French fries. It’s like, I know I’m not that smart and I know you’re the PE guys, but for God’s sakes, we’re not stupid. So it was funny because in January of ’24, I told my partners, “I don’t want to have any more of these conversations. It was a waste of time and energy. I’m sick of talking to these people. Let’s just put our heads down, and then let’s grow the firm a little bit more, and then we’ll see what the world looks like.” And then I get introduced to Duran. Louis Diamond: Perfect. Makes sense. Yeah, so you were well-educated on the market, the types of buyers, and I always say it’s almost more important to understand what you don’t want more than what you do want. The only way oftentimes to understand what you don’t want is to experience it and touch and feel it and really get into the weeds on it. I like too, Andy, I saw in an article, you said that “we’re private equity invested, we’re not private equity owned,” which is a very cool dynamic. I could imagine why that was important to you to retain majority control. Kevin, I want to bring you back into the conversation. Thank you for being patient here. But I mean, I would imagine you had some real choices. I mean, you could have stayed at Northwestern and been very successful, gone through with your internal succession plan. You could have gone to an independent BD, monetized, figured out succession later. You could have sold the business to a strategic acquirer. You were big enough to take on an investor in some capacity on your own. So options wasn’t your problem. Maybe just walk us through. Did you consider any other pathways? And what were the pros and cons in your mind that led you to doing a transaction with Andy? Kevin Spahn: I’m a little different, I think, than most people in this industry. Even as you grow your business at a certain percentage, none of that stuff has ever really meant anything to me. All I know is I like what I do. So when I came into the business, because I like it, I enjoy it, I spend time doing it, I’ve tried to get better at it. But it comes naturally because it’s something that I don’t look at Monday mornings as, “Oh, no, it’s Monday morning.” I’m excited to go to work. My entire career, once I left law, my business has just grown over the years naturally. But you said something before, Louis, and I think this applies to me. I love to work with the clients. I don’t like what I have to do in terms of running the firm. I never have. It’s never been my cup of tea, but you have to do it if you run a firm. So number one, the thought of all the due diligence that I would have to do to research all the firms out there, I wasn’t really all that interested in doing that. At the end of the day, it comes down to this word trust. I trust Andy. I trust the other partners here too, because I’ve known not just Andy, but I’ve known Scott and many of the other partners for years. So I knew what I was getting myself into. At the end of the day, I knew what they built. I was very comfortable with it, and I was either going to stay at Northwestern Mutual or I was going to come here, but I wasn’t going to go anywhere else. I will say, since I’ve gone, it’s been exactly like I thought. I thought I trusted Andy. And if something happened along the way with the transition, everything that he said has been true, thing that he promised is real. As you deal with more complexities with a bigger book and more and more employees, I knew that I was almost at the breaking point in terms of my own organization and to merge into this organization that, as I said before, he’s already built out. I don’t have to do it. And to benefit from these great people that he has as part of his organization, that’s all been a real blessing for me and my team. So I didn’t shop the marketplace really, but I knew what I was getting into, and it’s worked out clear as I thought it would. Louis Diamond: That’s amazing. I think that’s what most people would covet. But it is a decision in and of itself to not shop the marketplace. I mean, from representing buyers or prospective buyers, I know the pricing leverage or the negotiation leverage and the valuation lift that comes from having an open market, having multiple bids, et cetera. It sounds like that wasn’t the… Obviously you wanted to get fair value for your firm, but for you, it was more, it’s trust, “I’m either going to just stay at Northwestern, which is the devil I know or it’s what I’ve known where I’ve been successful, or I’m going to go to the individual that I trust and forget about all the other noise.” Kevin Spahn: Well, Andy says things, but I know they’re true because I’ve seen him at work. I’ve seen how he’s acted. I’ve seen how he interacts with people. But here’s an example. He cares about the people that are at his firm. He says that, but I know it’s true because I see it. I’m the same. I really care about the people in my firm. So as I think about, well, what about the future of two groups, my clients, but also the people that work in my firm? They’re going to be around long after I am. Well, I don’t want myself to retire someday, get a big check, because there’s all sorts of options to get a check. If I get a check and then my client’s scatter to the wind, and my employees don’t really have a future and they just have to go and find their own way, that wasn’t attractive at all to me. So one of the things that I really appreciate about this opportunity is that there is a plan for both my clients and my employees or the younger team members at formerly Spahn Financial, where I feel very good about the fact that they have a solid, secure future in an industry that they’ve all grown to love without them having to go out and make their own way. Louis Diamond: Makes sense to me. We noted a couple of times in this interview, you talked about equity, partnership, both of you have. So Kevin, for you, what did it mean differently for you to become a partner and get equity in a larger firm rather than, we’ll say, the less risky move of just taking everything in cash? Why was that an important distinction for you? Kevin Spahn: For many years, when I left law and came into this business, I didn’t have any money at the time. I was just starting to make money as a lawyer. It takes a while. I started low. I got trial experience working for the government, so they didn’t pay much. That was three years. Then I was at a firm, and I was just starting to make more money. Then I made this big shift into a career tha

Going global stopped being a phase-two project. The brands winning now are global on day one. Going global profitably is the harder business, and the levers that decide it are the ones nobody puts on a slide.Matthew Merrilees has spent two decades on the operational side of cross-border, starting at DHL and now running North America for Global-e. He and Rick walk the international P&L line by line. Payment acquiring, which is bigger than most operators assume. Duty and tax. Classification. Drawback.The math changed underneath everyone. US de minimis went from $800 to zero, so every inbound parcel is dutiable and every SKU needs an HS code. The EU now applies a three-euro charge per unique HS code below the 150 euro threshold, which quietly wrecks any sitewide promotion running a mixed catalog. Seventy-five regulatory changes in the US alone, by Matthew's count.Also covered: why most brands refund duties and taxes to returning international shoppers and never reclaim them, why the Section 321 play through Mexico is finished, what a real multi-carrier setup looks like in practice, and the thinking behind Global-e buying Passport.This episode is sponsored by Avalara. Learn more at avalara.watsonweekly.comRick asked for the one number an operator should check Monday morning. Matthew wouldn't give him one.#watsonweekly #crossborder #global #international

Neste episódio, Juvenil Alves, CEO do Brazil International Tax, explica por que suspender tributo não é o mesmo que economizar, o que o STJ decidiu sobre o prazo de 30 dias, por que o drawback não afasta automaticamente o antidumping e o que muda com CBS e IBS a partir de 2027.

Análise estima que restrição do processo resultará em ociosidade industrial e limitações no escoamento de produtos derivados

Mudança no drawback do cacau modifica período de importação da commodity

Farm Advisors talk about last year's rice crop and challenges ahead California Farm Bureau works to close a loophole on something called “U.S. Duty Drawback” to help U.S. winegrape growers.   A labor expert discusses California's minimum wage escalator. There's optimism about the State's upcoming snowpack survey USDA has a new method to better track foreign ownership of U.S. farmland.  

Host: Annik Sobing Guest: Scott Sorenson (CEO at CITTA Brokerage Company)  Published: February 2026 Length: ~25–30 minutes Presented by: Global Training Center IEEPA Tariffs Struck Down: What Importers Can Do Now (and What They Still Can't) In this Simply Trade Roundup, Annik talks with Scott Sorenson, CEO of SIDA Brokerage, about the Supreme Court's decision that the president exceeded his authority by using the International Emergency Economic Powers Act (IEEPA) to impose broad, revenue‑raising tariffs—and what that actually means for importers on the ground. They unpack which tariffs are impacted, what stays in place, key timing details, the refund question, and how duty drawback fits into all of it.​ What You'll Learn in This Episode What the Supreme Court actually decided Why the Court held that tariffs are fundamentally a tax, and that power belongs to Congress unless clearly delegated by statute. How the ruling targets IEEPA‑based tariffs, not all tariffs.​ Which tariffs are affected—and which are not Impacted: The 2025 “drug trafficking” (fentanyl) tariffs on Mexico, Canada, and China (25% under an emergency declaration). The later “reciprocal” tariffs, also imposed under IEEPA, with rates starting at 10% and going higher based on perceived trade imbalances. Not impacted: Section 232 (steel/aluminum) and Section 301 tariffs introduced in Trump's first term (2018–2019), which remain in place and were not struck down.​ Key timing: when IEEPA tariffs actually stop CBP will stop collecting IEEPA tariffs on goods entered for consumption or withdrawn from warehouse for consumption on or after 12:00 a.m. Eastern, February 24, 2026. Goods entering or withdrawn before that time (including February 23) are still being charged IEEPA duties, despite the Court's ruling—creating a frustrating “limbo” day for importers.​ The big unknown: refunds on IEEPA duties It is still unclear whether, and how, importers can obtain refunds of IEEPA tariffs already paid. Many trade attorneys are advising against simple protests and instead suggesting participation in, or filing of, Court of International Trade lawsuits as the likely avenue—though eligibility and timelines remain unsettled. Open questions include whether only parties that joined lawsuits before the Supreme Court decision will qualify, and how any refund mechanism would practically work given estimates of over 100 billion dollars collected.​ New 15% global tariff under Section 122 Following the ruling, President Trump announced a 10% global tariff, then quickly raised it to 15%, on top of all existing non‑IEEPA tariffs. This measure relies on Section 122 of the 1974 Trade Act, which allows the president to impose tariffs for up to 150 days. Scott expects this to serve as a bridge while the administration seeks a longer‑term, more permanent tariff framework—possibly through new legislation or other authorities.​ Duty drawback: where it fits and where it doesn't Duty drawback basics: refunds of duties/tariffs on imported goods that are later exported or destroyed, a program that has existed for nearly 250 years and has become more critical as tariffs have risen. Inconsistencies across programs: Fentanyl/“drug trafficking” IEEPA tariffs were explicitly ineligible for drawback. Reciprocal IEEPA tariffs were eligible. Section 232 tariffs are not eligible; Section 301 tariffs are. For the new Section 122 15% tariffs, eligibility will likely depend on whether they are explicitly excluded in future guidance. Historically, exclusions have been clearly spelled out, so silence may mean eligibility.​ Drawback vs. potential IEEPA refunds Drawback is separate from any Supreme Court‑related IEEPA refund mechanism. Importers that already claimed drawback on IEEPA‑burdened goods and later receive a broader IEEPA refund would need to avoid double dipping—likely refunding drawback amounts if they also get a full tariff refund via litigation/settlement. For importers that don't export, drawback isn't an option, so any recovery depends entirely on whatever refund path, if any, emerges for IEEPA tariffs.​ Should you start or expand a drawback program now? Scott's answer: yes, especially if you export. Reasons: Tariff volatility is likely to continue, and the administration has signaled interest in more and longer‑term tariffs. Drawback is one of the few mitigation tools that works retroactively, not just going forward. Setting up a drawback program and getting CBP approval takes time; starting now puts you closer to the front of the line for future refunds.​ Key Takeaways The Supreme Court has ended IEEPA's use as a broad revenue tool, but IEEPA tariffs are only stopping prospectively as of February 24, and refund mechanics for the past year remain unresolved.​ Section 232 and 301 tariffs are untouched and remain fully in force; the tariff landscape is far from “back to normal.”​ A new 15% Section 122 global tariff is already in play and may evolve into something more permanent, so importers should plan for continued elevated duty costs.​ Duty drawback remains a powerful, underused mitigation strategy—especially given the uncertainty around IEEPA refunds and future tariffs.​ Presented by: Global Training Center​ Listen & Subscribe Simply Trade main page: https://simplytrade.podbean.com​ Apple Podcasts: https://podcasts.apple.com/us/podcast/simply-trade/id1640329690​ Spotify: https://open.spotify.com/show/09m199JO6fuNumbcrHTkGq​ Amazon Music: https://music.amazon.com/podcasts/8de7d7fa-38e0-41b2-bad3-b8a3c5dc4cda/simply-trade​ Connect with Simply Trade Podcast page: https://www.globaltrainingcenter.com/simply-trade-podcast​ LinkedIn: https://www.linkedin.com/showcase/simply-trade-podcast​ YouTube: https://www.youtube.com/@SimplyTradePod​ Join the Trade Geeks Community Trade Geeks (by Global Training Center): https://globaltrainingcenter.com/trade-geeks/

We hope you enjoy this shiur. If you would like to sponsor or dedicate any of our shiurim or help with the running costs please do not hesitate to get in contact with us at office@rabbiroodyn.com or WhatsApp +447791221449May Hashem heal the wounded, free the captives and lead our soldiers to a swift and painless victory. #jew #jewish #torah #torahfortoughtimes #rabbiroodyn #bringthemhome #rabbi #torahanytime #Judaism #Israel #shiur #responsetotragictimes #jewishunderstanding

Hosts: Lalo Solorzano & Andy Shiles Guest: Simran Dalvi – Duty Drawback Specialist, CITTA Customs Brokers Published: October 2025 Presented by: Global Training Center

Welcome to The Times of Israel's Daily Briefing, your 20-minute audio update on what's happening in Israel, the Middle East and the Jewish world. US bureau chief Jacob Magid and diplomatic correspondent Lazar Berman join host Amanda Borschel-Dan for today's episode. Prime Minister Benjamin Netanyahu’s cabinet voted early Friday morning in favor of a Gaza ceasefire deal that will see hostages freed in exchange for Palestinian security prisoners and a halt to the fighting, despite vocal objections from the premier’s far-right coalition partners. Magid fills us in on who voted for what. The Israel Defense Forces has begun its withdrawal to new lines inside of the Gaza Strip, 72 hours after which Hamas will release all the hostages. Magid expands on how much territory the IDF will hold under the "Yellow Line" and how it may respond to threats. And we learn about plans for a US military team of 200 people that will be deployed in the Middle East to “oversee” the Gaza ceasefire between Israel and Hamas. Finally, we hear a full episode of the Friday Focus with Lazar Berman, "Is Israel's Hamas problem solved?" Check out The Times of Israel's ongoing liveblog for more updates. For further reading: Gaza ceasefire takes effect as government approves deal to free the hostages From Doha strike to Sharm el-Sheikh breakthrough: How US brokered elusive Gaza deal Subscribe to The Times of Israel Daily Briefing on Apple Podcasts, Spotify, YouTube, or wherever you get your podcasts. This episode was produced by Podwaves. IMAGE: IDF forces operate in the Gaza Strip in this October 9, 2025, handout image. (IDF)See omnystudio.com/listener for privacy information.

This Dhamma talk was offered on September 22, 2025 at Abhayagiri Buddhist Monastery.

Main Topics & DiscussionVAT Registration Triggers You must register when taxable turnover exceeds £90,000 in any rolling 12-month period. Also required if you expect turnover to exceed £90,000 in the next 30 days. Applies to sole traders, partnerships, CICs, and limited companies—even overseas businesses selling to UK customers.What Counts as Taxable Turnover? Includes standard-rated, reduced-rated, and zero-rated supplies. Also counts: free gifts, goods you use personally, barter services, reverse-charge services (like Google Ads), and certain construction work. Excludes exempt or outside-the-scope items like insurance or genuine donations.Deadlines and Late Registration Penalties Notify HMRC within 30 days of crossing the threshold. Registration date is the 1st day of the second month after exceeding the limit. Missing the deadline can mean penalties, interest, and paying VAT out of pocket.How to Register for VAT Go to gov.uk/register-for-vat with a Government Gateway account. Sole traders need NI number, UTR, photo ID, bank details, and estimated turnover. Companies need registration number, UTR, bank details, and estimated turnover. Decide on special schemes (e.g. flat rate) during registration.Voluntary VAT Registration You can register even before reaching £90,000. Benefits: reclaim input VAT, boost business credibility, prepare for Making Tax Digital. Drawback: must charge VAT to all taxable customers, including those who cannot reclaim it.Staying Compliant Keep proper VAT records and issue compliant invoices. Submit VAT returns on time via MTD-compliant software (like Xero). Maintain accurate bookkeeping for insights and compliance.Common Mistakes to Avoid Ignoring the rolling 12-month calculation. Forgetting to track taxable turnover inclusions. Assuming voluntary registration always works in your favour. Missing deadlines and failing to issue proper invoices.Final ThoughtsVAT registration is manageable when you understand the triggers and process. Whether mandatory or voluntary, take control, keep records, and use digital tools to stay compliant. And if you need help, support is available.Episode Timecodes [00:00:00] – Intro: Should you register for VAT? [00:00:43] – VAT registration rules and triggers [00:02:30] – What counts as taxable turnover? [00:04:00] – Deadlines and penalties [00:05:44] – How to register online [00:07:16] – Benefits of voluntary registration [00:08:00] – Staying compliant...

The response of Kashmiris has been an outcome that is a true game-changer. The present government has an opportunity to claim ownership over this final and happy chapter.

On Episode 830 of WHAT THE TRUCK?!?, Dooner is back from Chicago, where he got to see that state of freight on the world's most powerful visibility platform: project44. With ocean booking cancellations up bigly on the East and West coasts, when will trucking feel the pain? Did you know that if you export or destroy goods that you've paid tariffs on, you can claim 99% of your duties back? We'll meet Caspian CEO and co-founder Justin Sherlock to talk about his AI-driven duty drawback program. Drones are taking off as Walmart expands aerial package drop-offs to 1.8 million households in the Dallas-Fort Worth area. James McDanolds at Sonoran Desert Institute has dedicated his career to working on drones. We'll find out if 2025 is the year drone delivery goes mainstream.  Olivia deMars is a high school student in Massachusetts. Today we'll find out how Gen Alpha views the tariff situation.  Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 5 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

On Episode 830 of WHAT THE TRUCK?!?, Dooner is back from Chicago, where he got to see that state of freight on the world's most powerful visibility platform: project44. With ocean booking cancellations up bigly on the East and West coasts, when will trucking feel the pain? Did you know that if you export or destroy goods that you've paid tariffs on, you can claim 99% of your duties back? We'll meet Caspian CEO and co-founder Justin Sherlock to talk about his AI-driven duty drawback program. Drones are taking off as Walmart expands aerial package drop-offs to 1.8 million households in the Dallas-Fort Worth area. James McDanolds at Sonoran Desert Institute has dedicated his career to working on drones. We'll find out if 2025 is the year drone delivery goes mainstream.  Olivia deMars is a high school student in Massachusetts. Today we'll find out how Gen Alpha views the tariff situation.  5:20 Dooner goes to Chicago and project44 9:44 Tariff turmoil 12:06 Switch2 preorder hell? 17:15 Over the Top 2 19:12 Walmart Drones Do Dallas | James McDanolds 30:25 Boo this man 31:02 AI for Duty Drawback | Justin Sherlock Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 5 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

Are Hidden Tariff Refunds Sitting in Your Company's Blind Spot? In this explosive episode of Simply Trade, host Annik and duty drawback expert Ariana Cox reveal a game-changing strategy that could save your business significant money amid escalating global trade tensions. With Trump's new 25% automobile tariffs and increasing trade fragmentation, businesses are searching for financial lifelines. Enter duty drawback - a powerful yet often overlooked mechanism for recovering import duties, taxes, and fees.

Winstrol Experiment Under Way, Drawback to Injectable Orals, Peptides in 2025, Are "Small Doses" enough? Bulk Straight To A Cut Or Wait? Dave Crosland & Scott McNally DNS 256 0:00 Teaser 0:40 Intro 2:40 Best Preworkout Steroid 5:30 Winstrol In off Season Experiment 10:00 Drawback to Injectable Orals 12:40 Peptides - Whats good? 20:25 Test/Deca Bulk, straight to a cut? 26:00 Coaching someone who does shift work 31:20 Helios 34:00 Half Life of Steroids 37:00 Small doses are a “joke”? 39:40 Estrogen Management 46:00 Pec Shots 49:30 Uncle Dave's Advice 51:45 Sam Sulek competing

(0:00) Intro(3:00) Aayaat Surah Ma'arej(3:30) Sabar: Har mushkil ka hal(5:42) Hakumat k khalaf musallah baghawat ka natija? Libya k sadar ka hashar? Hazrat Imam Hussain ra ki baghawat?(9:02) Afghanistan mn musallah baghawat?(11:16) Darbari mulla?(11:50) Libya sadar aur Saddam Hussain ka hashar?(13:03) Kamzor k liye baghawat krna kaisa hai?(16:27) Pakistan ki misal?(17:35) Imam Hussain ra ki mazloomiyat(19:23) Mukhalif k liye foran jazbati hony wala?(20:53) Namaz se stress cure(23:24) Happy labourer(24:12) Artificial cure for stress(26:44) What happened in plane travel during vibration?(29:02) Khudki banai hui tension?(32:35) Maqam e shukar(36:41) Suicide in developed countries?(38:48) Suicide in Niagara Falls?(39:32) Suicide legal in Switzerland?(41:19) Haqeeqi mazy musalman k(43:34) Heart control in love n hatred?(47:18) Heart control in happiness n grief?(48:16) Zikrullah: Way of getting happiness(49:05) Taqdeer pr yaqeen se stress khatam(53:30) Nabi ﷺ ka farman(54:44) Khushi/gham mn aetadal(55:30) Mufti sb k ghutnay(56:48) Lady doctor's reply?(58:53) Gham mn sabar ka faida(1:02:00) Gham mn sabar krny ka tariqa(1:03:27) Aik shakhs ki adalti khula ka dardnak waqia(1:05:21) Engineer aur Khalil Rehman k gumrah kun fatway(1:06:16) Men's condition on court's favour(1:08:38) Daisi liberals(1:10:44) Mazloom khawateen(1:11:10) Deendar aurat vs liberal(1:12:26) Mazloom mard(1:14:14) Khawateen ko baghi bnany waly: Media/Court/Drama(1:17:41) Khulasa bayan + dua(1:18:14) Ludo/cricket pr paisa lgana?(1:18:34) Roohani aamil imam masjid ka wahid hal?(1:20:52) Iman barrhany wali chizain?(1:21:50) Guest from Delhi India(1:22:30) Fajar ki qaza namazain parrhny ka tariqa?(1:23:04) Shohr k bhai ki aulad namehram hai?(1:23:36) Hindu ka mzaq, Muslim cousin marriage pr!(1:25:09) Aulad ki ma'azuri ka chance? Agar aurat ki age 30,35 ho. (Aurat aur mard k overage hony mn farq?)(1:26:48) UK mn cousin marriage illegal kiyoon?(1:29:10) Cousin marriage k nuqsanat? (Mtm's instruction to make clip)(1:30:06) Ma'azur bacha palny pr khush khabri(1:33:20) Baitiyan palny pr khush khabri(1:34:18) Drawback of women's late marriage n late baby birth?(1:36:01) Cousin marriage vs out of family(1:37:51) Bachy ki ma'azuri ka test? (After woman age 35)(1:40:08) Cousin marriage ki hausla shikni krny walon ko jawab(1:40:51) Aisi namaz ki jamaat?(1:41:11) Dimaghi mareez ki namaz?(1:41:29) Jamiatur Rasheed mn admission criteria?(1:41:52) Bijli ka meter badalna/kunda lgana?(1:43:06) Allah ny Nabi ﷺ pr darood parhha, ka matlab?(1:46:41) Government ka hukam manna?(1:48:24) Mufti sb ka Japan se Australia safar aur sun rotation?(1:49:54) What happened in 2nd US trip?(1:50:34) USA/Canada jaty huay roza na rakhny ki wja?(1:52:35) 60 rozy rakhny ka aasan tariqa?(1:54:12) Hazrat Ayyub as ki bemari mn Allah ka btaya hua heela(1:55:06) Ulama heelay kiyoon btaty hain? Hosted on Acast. See acast.com/privacy for more information.

Don't Let the Drawback Cause You To Draw Back Pastor Frank Gilbert 2:00 PM Worship Service December 29, 2024 Voice Over By: Outlaw Peak Media Background Music Provided By: Pixabay

Struggling with drawback claims and proof of export requirements? An industry expert shares insights on upcoming legislation and strategies to simplify the drawback process. In this episode of Simply Trade, hosts Andy and Lalo sit down with drawback expert Dave Corn to discuss the current state of drawback regulations and upcoming legislative changes that could impact importers and exporters. Dave shares his unique perspective on how upcoming bills and regulatory updates around electronic export manifests could help streamline the proof of export process. Main Points/Takeaways: Upcoming Drawback Legislation: Dave discusses two key bills - HR 7864 and Senator Cassidy's 21st Century Customs Framework - that aim to expand substitution allowances and minimize drawback application burdens. Streamlining Proof of Export: The transition to electronic export manifests will allow carriers to directly provide date and fact of export data to Customs, reducing the documentation burden for drawback claimants. Key Insight: "We need to get out of that paper process for drawbacks. It'll be nice to kind of see things really come into the 21st century in drawback after with such an old program." Dave Corn: https://www.linkedin.com/in/dave-corn-3aa82223/ Connect with Simply Trade Podcast: - Subscribe: https://www.youtube.com/channel/UCdmyGU5foKm4aFlpo7Oms4g?sub_confirmation=1 - LinkedIn: https://www.linkedin.com/showcase/simply-trade-podcast/ - Twitter: https://twitter.com/SimplyTradePod - Website: https://globaltrainingcenter.com/simply-trade-podcast/ Contact Us/ Suggest Topics Contact SimplyTrade@GlobalTrainingCenter.com Credits: Host: Andy Shiles: https://www.linkedin.com/in/andyshiles/ Host/Producer: Lalo Solorzano: https://www.linkedin.com/in/lalosolorzano/ Co-Producer/Editor: Mara Marquez: https://www.linkedin.com/in/maramarquez85/

On episode 772 of WHAT THE TRUCK?!? Dooner is talking to NASA's Logan Kennedy about the logistics of sending humans back to the moon. We'll find out how they're preparing for the Artemis missions, how the landers they're using work, and what we hope to gain from it back here on Earth. We'll also let some kids ask NASA.  Dooner's former boss and mentor at FedEx Trade Networks, Tamara Collyer, takes us to school with some Duty Drawback 101. We'll find out how shippers are getting 99% of their tariffs back. Part 2 of our new documentary ‘Rebuilding the Gateway to America' looks at how the ports are handling volume, labor, and sustainability for the drayage community.  Plus, FedEx's Panda Express; DHL's $9 million duct tape dress; more. Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 5 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

On episode 772 of WHAT THE TRUCK?!? Dooner is talking to NASA's Logan Kennedy about the logistics of sending humans back to the moon. We'll find out how they're preparing for the Artemis missions, how the landers they're using work, and what we hope to gain from it back here on Earth. We'll also let some kids ask NASA.  Dooner's former boss and mentor at FedEx Trade Networks, Tamara Collyer, takes us to school with some Duty Drawback 101. We'll find out how shippers are getting 99% of their tariffs back. Part 2 of our new documentary ‘Rebuilding the Gateway to America' looks at how the ports are handling volume, labor, and sustainability for the drayage community.  Plus, FedEx's Panda Express; DHL's $9 million duct tape dress; more. Catch new shows live at noon EDT Mondays, Wednesdays and Fridays on FreightWaves LinkedIn, Facebook, X or YouTube, or on demand by looking up WHAT THE TRUCK?!? on your favorite podcast player and at 5 p.m. Eastern on SiriusXM's Road Dog Trucking Channel 146. Watch on YouTube Check out the WTT merch store Visit our sponsor Subscribe to the WTT newsletter Apple Podcasts Spotify More FreightWaves Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

Are you leaving millions in duty drawback savings on the table? In this eye-opening episode, we sit down with Penny, the CEO of PAX, to explore how their innovative AI-powered software is transforming the complex world of duty drawback.   Main Points/Takeaways: Democratizing Duty Drawback for SMBs: Penny reveals that a staggering $8-10 billion in eligible duty drawback claims go unclaimed each year, largely due to the complicated and labor-intensive nature of the process. PAX's mission is to lower the barriers and make duty drawback accessible to small and medium-sized businesses. Streamlining Data Collection and Processing: PAX's software leverages AI and automation to simplify the data collection and processing required for duty drawback claims. From extracting information from PDFs to integrating with ERP systems, their tools help importers and brokers streamline the entire workflow. Empowering Brokers and Importers: Penny explains how PAX's solution benefits both customs brokers and importers. Brokers can expand their duty drawback services to smaller clients, while importers can easily gather and organize the necessary data to support their claims. Unlocking Hidden Savings: By making duty drawback more accessible and efficient, PAX aims to help businesses of all sizes unlock significant savings that were previously left on the table. Penny emphasizes the retroactive nature of duty drawback, allowing companies to claim refunds for up to 5 years of past imports. This episode provides a fascinating glimpse into the future of duty drawback, where AI-powered solutions are revolutionizing the process and empowering importers and brokers to maximize their savings. Whether you're a seasoned trade professional or new to the industry, you won't want to miss this insider's look at the cutting-edge technology transforming international trade.  Enjoy the show! Sign up for the upcoming Forced Labor training (Supply Chain Tracing) here: https://globaltrainingcenter.com/forced-labor-supply-chain-tracing/ Find us on YouTube: https://www.youtube.com/@SimplyTradePod Host: Andy Shiles: https://www.linkedin.com/in/andyshiles/  Host/Producer: Lalo Solorzano: https://www.linkedin.com/in/lalosolorzano/  Co-Producer: Mara Marquez: https://www.linkedin.com/in/mara-marquez-a00a111a8/ Show references: Global Training Center - www.GlobalTrainingCenter.com Simply Trade Podcast - twitter.com/SimplyTradePod  Penny Chen - https://www.linkedin.com/in/pennypinyichen/  Pax - https://www.getpaxai.com/  Contact SimplyTrade@GlobalTrainingCenter.com or message @SimplyTradePod for: Advertising and sponsoring on Simply Trade Requests to be on the show as guest Suggest any topics you would like to hear about Simply Trade is not a law firm or an advisor. The topics and discussions conducted by Simply Trade hosts and guests should not be considered and is not intended to substitute legal advice. You should seek appropriate counsel for your own situation. These conversations and information are directed towards listeners in the United States for informational, educational, and entertainment purposes only and should not be In substitute for legal advice. No listener or viewer of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal advice from counsel. Information on this podcast may not be up to date depending on the time of publishing and the time of viewership. The content of this posting is provided as is, no representations are made that the content is error free. The views expressed in or through this podcast are those are the individual speakers not those of their respective employers or Global Training Center as a whole. All liability with respect to actions taken or not taken based on the contents of this podcast are hereby expressly disclaimed.

Send us a Text Message.In this video, we take a deep dive into the intricacies of Amazon listing optimization, designed to enhance your product's visibility and drive sales. Our founder offers expert insights on how to make your listings shine, steer clear of common mistakes, and fully optimize them for Amazon's search algorithm. Whether you're a seasoned seller or just starting out, these tips will help you elevate your Amazon game and boost your bottom line.→ Use Data Dive with code MAG for exclusive savings!↳ https://2.datadive.tools/subscription/subscribe?ref=otkxnwu&coupon=MAG-----------------------------------------------------------Join My Amazon Guy on LinkedIn: https://www.linkedin.com/company/28605816/Follow us:Twitter: https://twitter.com/myamazonguyInstagram: https://www.instagram.com/stevenpopemag/Pinterest: https://www.pinterest.com/myamazonguys/Please subscribe to the podcast at: https://podcast.myamazonguy.comApple Podcast:  https://podcasts.apple.com/us/podcast/my-amazon-guy/id1501974229Spotify: https://open.spotify.com/show/4A5ASHGGfr6s4wWNQIqyVwTimestamps:0:01 - Introduction: Get Free Custom Tips from My Amazon Guy0:10 - How to Get Your Free 10-Minute Custom Video0:25 - Importance of Maintaining Image Borders0:33 - Hidden Suppression: What It Is and How to Avoid It0:47 - The Drawback of Big Images Without Crawlable Text0:54 - Best Practices for A+ Content and Listing Optimization1:08 - Adding Keywords Behind Each Photo's Alt Text1:16 - Highlighting Main Images for Maximum Impact1:30 - Critique of Listing: Telling vs. Showing1:42 - FN SKU Barcodes: Correct Labeling on Cylinder Items1:53 - Common Mistakes: Duplicate Supplement Facts2:03 - Missing Elements in Product Photos2:18 - Parentage Issues and Overall Listing Grade2:26 - Importance of Showing Product Use in Images2:39 - How to Improve: Focus on Taste and User Experience3:01 - Final Thoughts: What Buyers Really Care AboutSupport the Show.

In this episode of Simply Trade, we dive deep into the world of duty drawback with industry expert Tony Nogueras. As China tariffs continue to impact global trade, understanding advanced drawback strategies has never been more crucial for importers and exporters. Main Points/Takeaways: 1. Recent changes in China tariffs and their impact on international trade 2. The modernized drawback regulatory structure and its game-changing effects 3. HTS-level substitution and its advantages for various industries 4. Strategies for maximizing duty drawback recovery, including value matching 5. The interplay between Foreign Trade Zones and duty drawback programs 6. Potential legislative changes that could further benefit drawback claimants Key Insights: - "Anytime you make an importation, it's like making a deposit into your drawback bank account." - Tony Nogueras - Companies are altering supply chains and business models to maximize drawback recovery - The alcohol industry has emerged as a major winner in recent drawback regulation changes - Proper value matching is crucial to avoid leaving money on the table in drawback claims - Even companies with existing drawback programs may benefit from reassessment This episode provides invaluable insights for importers and exporters looking to optimize their international trade operations. By mastering duty drawback strategies, companies can potentially recover millions in duties and taxes, significantly impacting their bottom line in today's challenging trade environment. Enjoy the show! Sign up for the upcoming Forced Labor training (Supply Chain Tracing) here: https://globaltrainingcenter.com/forced-labor-supply-chain-tracing/  Host: Andy Shiles: https://www.linkedin.com/in/andyshiles/  Host/Producer: Lalo Solorzano: https://www.linkedin.com/in/lalosolorzano/  Co-Producer: Mara Marquez: https://www.linkedin.com/in/mara-marquez-a00a111a8/ Show references: Tony Nogueras: https://www.linkedin.com/in/anthony-nogueras-2715985/ Alliance: https://alliancechb.com/duty-drawback/   Global Training Center - www.GlobalTrainingCenter.com Simply Trade Podcast - twitter.com/SimplyTradePod  Find us on YouTube: https://www.youtube.com/@SimplyTradePod  Contact SimplyTrade@GlobalTrainingCenter.com or message @SimplyTradePod for: Advertising and sponsoring on Simply Trade Requests to be on the show as guest Suggest any topics you would like to hear about Simply Trade is not a law firm or an advisor. The topics and discussions conducted by Simply Trade hosts and guests should not be considered and is not intended to substitute legal advice. You should seek appropriate counsel for your own situation. These conversations and information are directed towards listeners in the United States for informational, educational, and entertainment purposes only and should not be In substitute for legal advice. No listener or viewer of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal advice from counsel. Information on this podcast may not be up to date depending on the time of publishing and the time of viewership. The content of this posting is provided as is, no representations are made that the content is error free. The views expressed in or through this podcast are those are the individual speakers not those of their respective employers or Global Training Center as a whole. All liability with respect to actions taken or not taken based on the contents of this podcast are hereby expressly disclaimed.

In this episode of the Purpose & Profit Podcast, Carly and Dave dive into some of the potential limitations of expertise and how this can sometimes threaten to hold us back when it comes to breaking ground in new areas as a nonprofit organization or a for-profit business. Together, they define and characterize what Dave calls an “Outside Mindset,” as well as examine the relationship between humility and curiosity in fostering innovation. They glean insight from David Epstein's book, "Range: Why Generalists Triumph in a Specialized World,” as well as Liz Wiseman's book, “Rookie Smarts: Why Learning Beats Knowing in the New Game of Work,” and share ways that non-profits and for-profits alike are able to grow by overcoming narrow mindsets that can come from expertise. Episode Topics: How expertise is often perceived as a precursor to innovation The definition and characteristics of an Outside Mindset The relationship between humility and curiosity in fostering innovation How humility and curiosity counteract the tendency of expertise to narrow perception We hope you enjoy our conversation! To stay up to date with new research and content from Dave visit: The Problem with Expertise Learning How to Cultivate an Outside Mindset Overconfidence, Self-Doubt, and Why Christian Donors Give Monthly Sign up for Weekly Insights from The Wave Report: https://www.imago.consulting/wavereport Season Four of the Purpose & Profit Podcast is brought to you by: IMAGO CONSULTING Imago Consulting is an advisory firm that helps nonprofits and businesses grow through innovation. Innovation is the lifeblood of any growing organization. Imago publishes a weekly trends report called The Wave Report – learn more at www.imago.consulting and subscribe at www.imago.consulting/wavereport. VIRTUOUS Virtuous is a software company committed to helping nonprofits grow generosity. Virtuous believes that generosity has the power to create profound change in the world and in the heart of the giver. With that in mind, it's their mission to move the needle on global generosity by helping nonprofits better connect with and inspire their givers. Learn more about Virtuous at www.virtuous.org and download your free Nonprofit CRM Checklist at www.virtuous.org/checklist.  MASTERWORKS At Masterworks, their mission is to help you accomplish yours. They are a full-service agency for Christian organizations. Their emphasis on both mission & mastery makes us leading experts in moving hearts & minds to act. Masterworks has over 30 years of experience serving organizations through strategy, direct mail, digital, analysis, creative, & technology. Learn more about Masterworks at www.masterworks.agency. Special thanks to editor and sound engineer Barry R. Hill and producer Abigail Morse.

Hosts on Deck: Al and Nick Hey everyone! Today's episode touches on all the gaming news of the past couple weeks (we chat Summer Games Fest, XBox Showcase, and more!) We also go over Bethesda's newest Horse Armor DLC (i.e. the Tracker mod in the creator store!)  NewsSummer Game Fest - bit of a snooze fest.  Some interesting looking titles but nothing super big.  Indie games making more of a mark. Most big games we knew about so just got more gameplay to entice Xbox ShowcaseDragon Age: Veilguard Gears of War prequel (E Day) New Fable game in 2025 Doom: The Dark Ages Indiana Jones Other ShowcasesEmpire of Ants - 3rd person/RTS sim ant - very cool looking unless you don't like bugs Screenbound - clever 2d/3d game where  you have a gameboy like device to play the 2d portion but your avatar moves about in a 3d world looking forward to clever puzzles Civ 7 - Enjoy the civ series but I have to ask: What is it bringing to the table? Unknown 9: Awakening cool looking action-adventure game Cleared Hot - Go back to the super nintendo days but updated graphics with this isometric helicopter game Path into the Abyss - Looks like STALKER but it's set in Buenos Aires. Beacon of Neyda - side scroller strategy like the retro look. Generation Exile - city builder but instead of unlimited resources you are on a generation spaceship where you have to work with what you have Nintendo Direct is tomorrow 6/18 will it have some goodies this year? Watching/PlayingGames Wizardry: Proving Grounds of the Mad Overlord Remake Diablo 4 The Bloodline Baldur's Gate 3 (again) SMT V: Vengeance Skald: Against the Black Priory Shadows of Doubt Soul Mask - Released into EA on May 31.  Survival game Conan like with tribes-people vs Thralls.  Set against Aztec-like lore and mythos.  You don a mask with powers which serves as how you level and your abilities.  You can swap to a new mask you can put your mask on others of your tribe who might specialize in other skills.  Very versatile.  Drawback is a dedicated server is always going so  your tribe can burn through your food supplies if you don't check in on them :( Hoping there is a setting like in 7 days where we can pause it when no one is logged in.   Series/Movies Godzilla Minus One  Contact Us: Voicemails, and Plug Voicemail Line - 610-810-1654  QotBW -Conclusions/Final thoughts/Shout outsFans Geeks Gone Raw (Chase and Blue and crew)  On Second Thought with Mike and Matt The Talking Place with Los Where you can reach us Voicemails, and Plug Voicemail Line - 610-810-1654 Facebook (tiny.ccsavepoint) Email (theretrorents@gmail.com) Twitter (@theretrorents, @RetroRentsAl, @BlackEagleOps) - fuck twitter :) Twitch (@RetroRentsAl, @Kibbis, @BlackEagleOps, SodaXBread)

The tax benefits of real estate investing are one of it's most attractive aspects. And we've spoken about these benefits many times... but... how much do passive investors benefit?In one of our previous episodes, we discussed the tax benefits of real estate investing and how depreciation played a role in those benefits. But there's a drawback to these benefits that doesn't get discussed enough... depreciation recapture. Let's dive into depreciation recapture and how much passive investors actually benefit from the tax incentives of real estate investing. Tweetable Quotes:"You'll hear people talking about how the tax benefits are are fantastic, but in reality, if you're a passive investor, they're good, but they're not fantastic."– Anthony Vicino"We are not CPAs and so we specifically talk high level about concepts and we don't get into the nitty gritty." – Dan Krueger LEAVE A REVIEW if you liked this episode!! Keep up with the podcast! Follow us on Apple, Stitcher, Google, and other podcast streaming platforms. To learn more, visit us at https://invictusmultifamily.com/. **Want to learn more about investing with us?** We'd love to learn more about you and your investment goals. Please fill out this form and let's schedule a call: https://invictusmultifamily.com/contact/ **Let's Connect On Social Media!** LinkedIn: https://www.linkedin.com/company/11681388/admin/ Facebook: https://www.facebook.com/InvictusMultifamily YouTube: https://bit.ly/2Lc0ctX

The one metric that shouldn't go up and to the right is CAC Payback, and it's doing exactly that.Rather than trying to fix CAC, there's another solution.(00:00) - Introduction (02:53) - CAC Payback (05:59) - Look beyond CAC:PB (09:13) - Drawback of CAC:LTV (10:50) - How do you get there? (15:00) - The other thing is product (19:20) - What have you done for them lately? (21:54) - Aligning newbiz and existing biz *** This episode is brought to you by Growblocks. Finding and fixing problems in your GTM shouldn't take weeks. It should happen instantly.That's why Growblocks built the first RevOps platform that shows you your entire funnel, split by motions, segments and more - so you can find problems, the root-cause and identify solutions fast, all in the same platform.***Connect with us

On this week's show Damien explains the potential drawbacks of certain types of ETFs. Harvey then joins Damien and Andy to discuss the rising cost of funerals and the various ways you can plan ahead. Finally, Damien discusses a different approach to the traditional 'FIRE' movement (Financial Independence Retire Early)   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Life insurance or funeral plan: Which is best? Fund types explained: Episode 7 of our 'Grow it' investing series Money to the Masses Investment Calculator Money to the Masses Pension Calculator Damien's Money MOT

We can't wait to buy all new Apple Watch bands.Yes, get ready for the Apple Watch X.People keep getting their bikes back thanks to AirTags.You asked for our podcast recommendations, here they are!Moltz likes In Our Time.Dan likes two podcasts that are defunct and also Make Me Smart.Lex likes The Word Association, Judge John Hodgman and Heavyweight.Our thanks to Rocket Money, a personal finance app that finds and cancels your unwanted subscriptions, monitors your spending, and helps you lower your bills - all in one place. Cancel unwanted subscriptions – and manage your expenses the easy way – by going to rocketmoney.com/rebound.If you want to help out the show and get some great bonus content, consider becoming a Rebound Prime member! Just go to prime.reboundcast.com to check it out!You can now also support the show by buying shirts, iPhone cases, hats and more items featuring our catchphrase, "TECHNOLOGY"! Are we right?!

Oregon and Washington's acceptance of an offer to join the Big 10 in 2024 triggered a mass exodus from the Pac-12. As they go into one of the 2 biggest conferences in the country, the advantages are clear and abundant. But there's one downside that also will factor into determining how the move gets viewed. On today's episode of Locked On Ducks, Spencer McLaughlin is joined by Roman Tomashoff of 'Locked On Huskies' to talk about the move. They also discuss the possibility of this year's Week 7 matchup of the 'Border War' getting College GameDay to go up to Seattle. Roman sheds insight on the Huskies heading into this season with big expectations, led by 5th year QB Michael Penix Jr. who is a preseason Heisman candidate. He's not the only player that helps make Washington a Pac-12 contender this season. Support Us By Supporting Our Sponsors! Nutrafol Take the first step to visibly thicker, healthier hair. For a limited time, Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to Nutrafol.com/men and enter the promo code LOCKEDONCOLLEGE.  LinkedIn LinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONCOLLEGE. Terms and conditions apply. eBay Motors For parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply. FanDuel Make Every Moment More. Right now, when you bet on a Super Bowl Winner, you can GET BONUS BETS EVERY TIME THEY WIN IN THE REGULAR SEASON! FanDuel.com/LOCKEDON. FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

Oregon and Washington's acceptance of an offer to join the Big 10 in 2024 triggered a mass exodus from the Pac-12. As they go into one of the 2 biggest conferences in the country, the advantages are clear and abundant. But there's one downside that also will factor into determining how the move gets viewed.On today's episode of Locked On Ducks, Spencer McLaughlin is joined by Roman Tomashoff of 'Locked On Huskies' to talk about the move. They also discuss the possibility of this year's Week 7 matchup of the 'Border War' getting College GameDay to go up to Seattle.Roman sheds insight on the Huskies heading into this season with big expectations, led by 5th year QB Michael Penix Jr. who is a preseason Heisman candidate. He's not the only player that helps make Washington a Pac-12 contender this season.Support Us By Supporting Our Sponsors!NutrafolTake the first step to visibly thicker, healthier hair. For a limited time, Nutrafol is offering our listeners ten dollars off your first month's subscription and free shipping when you go to Nutrafol.com/men and enter the promo code LOCKEDONCOLLEGE. LinkedInLinkedIn Jobs helps you find the qualified candidates you want to talk to, faster. Post your job for free at LinkedIn.com/LOCKEDONCOLLEGE. Terms and conditions apply.eBay MotorsFor parts that fit, head to eBay Motors and look for the green check. Stay in the game with eBay Guaranteed Fit. eBay Motors dot com. Let's ride. eBay Guaranteed Fit only available to US customers. Eligible items only. Exclusions apply.FanDuelMake Every Moment More. Right now, when you bet on a Super Bowl Winner, you can GET BONUS BETS EVERY TIME THEY WIN IN THE REGULAR SEASON! FanDuel.com/LOCKEDON.FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Learn more about your ad choices. Visit podcastchoices.com/adchoices

On episode 124 of Heavy Metal Philosophy, I dive into the world of the Jericho Fusion 7 Ignition, an amazing guitar that has captured the hearts of many heavy metal enthusiasts. Despite its incredible sound and build quality, there's one drawback you should know about before making a decision. Join me at Heavy Metal Philosophy as we explore the pros and cons of this fantastic instrument! Don't forget to hit the like button if you enjoyed the review, and subscribe to my channel for more in-depth analysis of the latest and greatest in heavy metal music!

Harold Bradley, a long-time investment manager and chief investment officer, joins Julia La Roche on episode 77 to discuss why Exchange Traded Funds (ETFs) have distorted the role of equities markets in capital formation while posing systemic risks. Bradley has broad and deep experience in mutual funds, foundations and endowments, exchanges, and private equity partnerships, including venture capital and hedge funds. His experience also encompasses investments in farmland, metals and mining, futures and options, and a track record of successful engagement with venture-backed technology and FinTech companies, including W.R. Hambrecht's OpenIPO, Euronet Worldwide, StarMine Corp (sold to Reuters) and Archipelago, LLC (IPO). In 1982, Bradley introduced first of a kind cash-settled stock index futures contract in the Value Line Composite Index while at the Kansas City Board Trade before purchasing a membership and trading for five years on the floor. In 1988, he was hired at Twentieth Century, now American Century, as the first equity trader, and built a globally recognized trading operation over the next ten years. He was the lead portfolio manager of small-cap growth funds from 2003 to 2007. He was later appointed Chief Investment Officer of aggressive growth strategies before being named President of American Century Ventures in 1999, which invested $63 million in businesses likely to disrupt the mutual fund industry. From 2003 to 2007, he managed American Century Tomorrow and a team of software engineers and developers who used artificial intelligence, fuzzy logic, inference engines, and pattern recognition to develop manager compliance systems and quantitative investment strategies for American Century growth mutual funds managing $10B. The American Century trading desk received global recognition as an innovator of electronic trading techniques and protocols, including the Financial Information Exchange (FIX) Protocol steering committee that created open source standards for order, trade and settlement instructions between investment firms, brokers and exchanges in global equities and foreign exchange trading. Throughout his career, Bradley delivered Congressional testimony on stock market regulation, electronic trading, soft dollars, decimalization of stock prices, and ETFs. As Chief Investment Officer of the Kauffman Foundation from 2007 to 2012, he co-authored a vital research paper with Robert Litan highlighting risks to market stability from lax regulation of ETFs. He also co-authored widely-cited papers on subpar venture capital fund returns, with recommended best practices. He's been interviewed by CNBC, Wall Street Journal, New York Times, and others. Read Harold Bradley's October 2011 testimony on ETFs here: https://www.etf.com/docs/Bradley_Testimony_10-19-11_SII.pdf 0:00 Open 1:21 Harold Bradley 2:15 Accidental investor 3:00 Agricultural commodities reporter 5:43 A major structural shift 6:45 Pace of change 7:50 Wheat pit to stocks 10:29 1987 crash 13:04 Black Monday blamed on portfolio insurance. ETFs 'a form of portfolio insurance' 13:45 20 Building trading operation 16:30 Electronic trading 21:15 Fees 22:40 Flawed system was a bug, not a feature 23:01 Soft dollars 28:59 Testified before Congress six times 30:10 Risk in ETFs 32:00 Drawback to mutual funds 35:12 Why did ETFs start 38:22 Decimalization 40:30 How D.C. works 43:00 ETFs are presented as a passive investment, but they're not 48:30 KRE 53:29 ETFs have instant liquidity, but the component securities within an ETF aren't immediately liquid 57:00 Gold/silver ETFs 1:00:45 Margin lending 1:03:18 How are ETFs distorting markets and the systemic risk they pose 1:06:00 Undermining price discovery 1:10:38 Bubbles 1:11:50 AI next ETF craze 1:13:00 Punishing good management 1:17:00 Investing today 1:20:00 Investing challenges 1:22:54 Why market won't go down? 1:27:00 Fragile markets 1:28:00 ETF risk likely won't go away 1:34:00 Markets today

www.run4prs.com Should you train based off HR or pace or effort Drawback of HR- wrist HR monitor doesn't work, Most people don't know their appropriate zones, other things impact your HR like stress, time of the month, medication, weather, sleep, caffeine Pace has drawbacks as well. Hills will make you slower. Heat will make you  Going off of effort→ it is a learning curve. You have to be okay with bombing a workout and not knowing you stats. Don't look at your watch. You have done these workouts before. You know the idea.  Heat training adjustments How should you assess progress outside of time results? How do feel on workouts Recovery rates I am not laid up all day after a long run Effort based Mental toughness Not needed validation Not needing to race constantly Being happier with my training Not getting sick as often Not getting injured Having more energy

Welcome to another episode of Simply Trade Podcast, where we explore the complex world of drawback in international trade. Join our hosts, Andy and Lalo, as they engage in a discussion with Ed Hamilton and Alison McDonald, experts in the field of import-export and more specifically drawback. Gain valuable insights into the challenges, benefits, and process of drawback to make the most of this essential trade tool.  Key Takeaways Understanding the concept of drawback and its significance in international trade Identifying the challenges and opportunities associated with drawback Navigating the process of entering the drawback program Practical tips and advice from industry experts Understanding Drawback in International Trade Ed Hamilton and Alison McDonald share their expertise on the importance of drawback as a refund of duties paid on imported goods that are subsequently exported. The panel discusses the challenges businesses often face when trying to navigate the drawback process, as well as the benefits of mastering this trade tool. Entering the Drawback Program: The Process The DHL experts outline the steps involved in entering the drawback program, providing practical tips and advice for businesses looking to take advantage of this opportunity. They also discuss the importance of understanding the regulations and requirements associated with drawback to ensure compliance and success. Expert Advice on Drawback Success Ed and Alison share their experiences and insights into the world of drawback, offering valuable advice for businesses looking to successfully navigate this complex trade tool. The panel highlights the importance of staying informed and up-to-date on regulations and best practices to maximize the potential of drawback in international trade. Host: Andy Shiles: https://www.linkedin.com/in/andyshiles/  Host/Producer: Lalo Solorzano: https://www.linkedin.com/in/lalosolorzano/  Co-Producer: Mara Marquez: https://app.milanote.com/1M8bFD1P9F3c6G/mara?p=qFiiiJVFV2z Show Resources Global Training Center - www.GlobalTrainingCenter.com Simply Trade Podcast - twitter.com/SimplyTradePod  Ed Hamilton - https://www.linkedin.com/in/edhamiltonjr/  DHL Drawback Services - https://www.linkedin.com/company/dhl-drawback-services/  U.S. Customs and Border Protection - Drawback - Information on the drawback program Contact SimplyTrade@GlobalTrainingCenter.com or message @SimplyTradePod for: Advertising and sponsoring on Simply Trade Requests to be on the show as guest Suggest any topics you would like to hear about Thank you for tuning in to this informative episode of Simply Trade. We hope you've gained valuable insights into the world of drawback and its role in international trade. Don't forget to subscribe to our podcast for more expert insights on import-export topics. We'd also love to hear your thoughts on this episode – share your comments and experiences with us on our LinkedIn account. Simply Trade is not a law firm or an advisor. The topics and discussions conducted by Simply Trade hosts and guests should not be considered and is not intended to substitute legal advice. You should seek appropriate counsel for your own situation. These conversations and information are directed towards listeners in the United States for informational, educational, and entertainment purposes only and should not be In substitute for legal advice. No listener or viewer of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal advice from counsel. Information on this podcast may not be up to date depending on the time of publishing and the time of viewership. The content of this posting is provided as is, no representations are made that the content is error free. The views expressed in or through this podcast are those are the individual speakers not those of their respective employers or Global Training Center as a whole. All liability with respect to actions taken or not taken based on the contents of this podcast are hereby expressly disclaimed.

On the first episode back since Cody's Paternity leave, we had the please of having Jimmy and Ryan in Studio! Topics: -How they got into hunting & Stories -Drawback Outdoors-Season Recap -A Stolen Buck along with a redemption buck We had a blast having these guys in studio & are looking forward to the future with these guys and seeing them grow even more! Partners & Discount codes: XOP Discount code: BackcountryPA15 Our Grounds Coffee Co. Discount code: BCPA TideWe or TruWild Discount code: BCP18 Forget Genetics Discount code: Backctrypa

Credit management can be tricky, but don't worry! Rashad and Xavier are here to help you navigate the world of credit. Join them on the latest episode of the Two Black Kings Podcast as they share their expert insights on the best ways to manage credit. They discuss everything from credit scores and reports to the benefits of establishing good credit habits early on. The Two Black Kings also break down common credit myths and provide actionable tips on how to improve your credit. With their relatable anecdotes and easy-to-follow explanations, Rashad and Xavier make credit management accessible and empowering. Whether you're new to credit or looking to improve your credit score, tune in to the Two Black Kings Podcast for a comprehensive guide on how to manage credit effectively.5:00 King of the Week: Dame Lillard6:15 Book of the week: How to win friends and influence people x Dale Carnegie8:48 Am I trippin?20:31 Questions from the viewers: How to invest in snecondary Real Estate markets?28:01 Upcoming Recession?31:00 What is Credit?33:23 5 ways how credit is measured37:55 Credit Strategies52:31 Charge Card vs Credit Card55:54  Credit Goals in your 20s1:01:19 Drawback for credit cards 

In this episode, we'll be talking to Sean Frank the CEO of Ridge, and how he worked alongside a wide range of influencers and used the pay-for-post model with creators to scale Ridge to a nine-figure brand. [01:27]: Introduction to Ridge [02:17]: Joining Ridge [03:39]: Agency Brand Dichotomy [05:41]: Importance of working for an agency when starting up [06:44]: Working with agencies at Ridge [08:13]: Marketing budget of a 100-million-dollar brand [09:51]: Percentage of marketing budget spent on influencer [10:39]: How Ridge spends its influencer marketing budget on influencers [12:16]: Team Dynamics [14:03]: Reasons why influencer is Sean's favorite channel of marketing [15:42]: Gaining influencers' trust [17:15]: Sean vs Cody. Who's right? (Seeding vs Pay for Post [19:43]: Leaning towards YouTube on pay-for-post ads [22:40]: Losing money on pay for post [23:18]: Importance of user-generated content (UGC) [25:23]: Benefits of paying for post despite half the bids losing money [26:45]: Number of creators Ridge has worked with long-term [28:23]: Expanding into different products launches with community [30:51]: Drawback of having consistent influencers to work with [32:59]: People getting started with influencers but concerned about ROI [34:29]: Word of mouth [36:07]: Working with Macro Talent [38:54]: Advice for a 10-million-dollar brand starting out with influencer marketing [40:48]: Inherent risk of marketing. Cody Wittick: Twitter‍ Sean Frank: Twitter Never miss an episode by subscribing via Apple Podcasts, Spotify, Stitcher, Google Podcasts, Amazon Music, or by RSS!

On today's episode of WHAT THE TRUCK?!? Dooner is joined by Covenant's Matt McLelland. Both guys just red-eyed from Manifest in Vegas and are going to get into what truck tech was buzzworthy for a major over-the-road carrier. What's going on with shipping? Campbell University's Sal Mercogliano talks about cracks in the alliances, how not to tip a cargo ship and Chinese spy balloons. Troy Larkin at Citta Brokerage dives into the dark art of duty drawback, which allows shippers a way to get 99% of the duties they paid returned. Sometimes by setting it all on fire! Are you smarter than a freight broker? FreightWaves' Mary O'Connell battles Brielle Jaekel. Visit our sponsorWatch on YouTubeSubscribe to the WTT newsletterApple PodcastsSpotifyMore FreightWaves Podcasts

On today's episode of WHAT THE TRUCK?!? Dooner is joined by Covenant's Matt McLelland. Both guys just red-eyed from Manifest in Vegas and are going to get into what truck tech was buzzworthy for a major over-the-road carrier. What's going on with shipping? Campbell University's Sal Mercogliano talks about cracks in the alliances, how not to tip a cargo ship and Chinese spy balloons. Troy Larkin at Citta Brokerage dives into the dark art of duty drawback, which allows shippers a way to get 99% of the duties they paid returned. Sometimes by setting it all on fire! Are you smarter than a freight broker? FreightWaves' Mary O'Connell battles Brielle Jaekel. Visit our sponsorWatch on YouTubeSubscribe to the WTT newsletterApple PodcastsSpotifyMore FreightWaves Podcasts

In thise episode we cover our main season highs and lows as well as some controversial topics regarding a giant buck and archery shop expectations. ALSO BIG NEWS FOR THE FUTURE OF THE PODCAST! --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

(Cambridge Insight Meditation Center)

(Cambridge Insight Meditation Center)

As Softy is dealing with some family health issues, and Dick Fain hosted the morning show this morning, Ian and Kevin continue with an extra long show, joined by Jackson Felts. The city is electric as the Mariners have given fans a reason to watch baseball in July for the first time in a long time. What happens if they come out of the break with a loss? Will it kill the momentum? The SEC doesn't appear t be expanding, and that's probably best for everyone. Will the Mariners trade for Juan Soto? There's one potential downside.

On this episode I'm Joined by Jimmy, Tyler, and Ryan from Drawback Outdoors!! They've grown up in Pennsylvania hunting some of the most pressured whitetails in the entire country. We talk about some of the crazy things we've seen hunting public land and the challenge that comes with it. We talk everything from killing a state record black bear, chasing early season velvet bucks in Tennessee, dealing with crazy public land hunters in PA, all the way to killing a 153” Iowa monster buck!! These guys know as well as anyone that hunting public land is some of the most challenging whitetail hunting there is but once it all comes together there is nothing more rewarding. We talk about hunting mountain Whitetails down to chasing mature bucks in farm country so I think everyone can pick up a little something from this episode and if not your sure to get a couple laughs outta this one!! Can't thank the Drawback guys enough for talking Whitetails and looking foreword to talking more in the future!!

We're joined on the podcast this week by guest host Sharon Kyronfive. In addition to having written some great 199X columns for ID:UD, Sharon's tenures at 21st Circuitry and Industrialnation make her the ideal person to discuss some mid-90s envelope-pushing records on Zoth-Ommog, specficially Cleen's "Designed Memories" and X Marks The Pedwalk's "Drawback".

The Sportsmen are back and they dive into Antonio Brown, Kyrie Irving, the NFL Playoffs, Cold Cuts defends a vulnerable moment betting with Bobby & Ticket, and our NFL Week 18 Bets! You won't wanna miss the shenaniganzzz this week, Folks!

In this episode we discuss the trailers released during the DC FanDome event including Black Adam, The Flash, & The Batman. Also we hit on Universal's Dark Universe, Ezra Miller's choking incident, & Drawback thinks Ted Nugent is a racist