Podcasts about Emerald

Emerald Fennell took one of the classic works of literature most beloved by horny youth and said, "But what if I took out the subtlety?" It actually made quite a lot of money at the box office, but did it work for the Flop House? Guess you'll have to listen to find out. (See, Emerald? That's how you TEASE.) Stay updated on all things Flop House, plus a little extra, with our NEWSLETTER, “Flop Secrets! Wikipedia page for Wuthering Heights Recommended in this episode: Dan: Communion (1989) Stu: Obsession (2026) Elliott: 52 Pickup (1986) Help support this show and unlock bonus content! Become a member at https://maximumfun.org/joinflop

Typical Skeptic Podcast #2686Pink Bella Aloha returns to the Typical Skeptic Podcast for a deep dive into the groundbreaking film Disclosure Day and the evidence, claims, and mysteries surrounding UFO disclosure.Having both recently viewed the film, Rob and Pink Bella will analyze key footage and discuss some of the most controversial aspects presented, including the alleged Nixon-era UFO material from 1973, Roswell crash retrieval narratives, and reports involving Grey extraterrestrials.Topics Include:• Disclosure Day movie review and analysis• Nixon 1973 UFO footage• Roswell crash retrieval claims• Grey extraterrestrial encounters• UFO Experiencers vs Starseeds• Mind Control Technology and consciousness manipulation• The Miami World Cup UFO/Mothership rumors• Connections to the Miami Mall Incident• Current disclosure developments• Audience Q&APink Bella Aloha is a returning guest, researcher, experiencer, and fan favorite known for her investigations into UFO disclosure, extraterrestrial contact phenomena, consciousness studies, and emerging narratives within the disclosure movement.Live at 4 PM Eastern.We Go Deep, You Decide.PINK BELLA BIOPink Bella Aloha is an independent UFO and disclosure researcher, experiencer, and content creator known for her deep dives into extraterrestrial contact, consciousness studies, galactic history, and emerging disclosure narratives. Through her research and interviews, she explores the intersection of spirituality, experiencer testimony, government secrecy, advanced technologies, and humanity's evolving understanding of our place in the cosmos. A frequent guest and audience favorite on Typical Skeptic Podcast, Pink Bella brings a unique perspective that combines investigation, intuition, and an open-minded approach to the UFO phenomenon.GALACTIC AKASHIC RECORDS Readings, Sessions, Packages  with PInk Bella Aloha ** Support the Pink Bella Aloha Deep Dive Galactic Community - 2 Private WORLD EVENTS Deep Dive Live Videos for Members every month  * GALACTIC AKASHIC RECORDS Clarity Package incl 22 Chakra Balance* STARSEED ORIGINS PDF Reading or Zoom Package,* UFO CONTACT Zoom Sessions or Full UFO CONTACT Package* Global Sacred Property, Home & Business Clearings** Email For Next Start Dates ** Mini & Full Mentorships GEM RAY Packages** DRAGONS Training & Activation Package (Amethyst, Sapphire, Emerald, or New DISCLOSURE Dragons)WEBSITE - https://alohapinkbella.weebly.com/EMAIL - alohapinkbella@gmail.comYOUTUBE - https://www.youtube.com/@AlohaPinkBella888

Ephesians 4:30-32     Sermon Outline:    6-21-26     Sermon audio:    6-21-26

My interview discussing the new album The Eyes Of The Dragon and much more!!

On this week's podcast, I chat with Emeralds' play by play man, Jacob Archer, to talk over Eugene's amazing first half.There R Giants is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit rogermunter.substack.com/subscribe

Michael Smith—Managing Partner and Founder, Emerald Advisors Michael Smith shares how a client-first philosophy, niche specialization, and independence helped Emerald Advisors grow from $385mm to more than $1B in assets. In Summary What happens when an advisor builds a business around client service rather than operational efficiency? Jason Diamond speaks with Michael Smith, Founder and Managing Partner of Emerald Advisors, about the path from a successful Merrill practice to an independent RIA that has grown from approximately $385mm to more than $1B in assets. Along the way, Michael shares the story of being told he was “overservicing” clients, why that moment became a catalyst for independence, and how a highly specialized service model fueled the firm's growth. Drawing on lessons from a 24-year Navy career, Michael offers a perspective on leadership, specialization, client care, and what it takes to build a durable business in today's wealth management landscape. The Storyline Growth is often viewed as the result of marketing, referrals, acquisitions, or scale. Michael Smith sees it differently. After building a successful practice at Merrill, Michael found himself at odds with the constraints of the traditional wirehouse model. What ultimately stood out wasn't compensation, technology, or platform capabilities. It was a philosophical difference around client service. When he was told he was spending too much time helping clients navigate tax planning, equity compensation, and other financial decisions outside the traditional scope of investment management, he began to question whether the model aligned with the way he wanted to serve families. That realization eventually led him to launch Emerald Advisors in late 2019. The firm started with roughly 85 clients and approximately $385mm in assets. Today, Emerald serves more than 225 families and oversees more than $1B in assets. Throughout the conversation, Michael reflects on the lessons learned from building an independent firm, developing a niche around concentrated stock positions and executive compensation, navigating custodial and technology decisions, and creating a culture rooted in accountability and service. Underlying it all is a simple belief: when firms become highly intentional about who they serve and how they serve them, growth often becomes the outcome rather than the objective. Topics Covered Merrill breakaways and independence Client service as a growth driver Building an RIA RIA growth and scalability Organic growth strategies Concentrated stock positions and equity compensation planning Ideal client personas and niche specialization Schwab and Fidelity custody relationships Advisor succession and enterprise value Navy leadership principles in wealth management The rise of mega RIAs Advisor technology and infrastructure > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did being accused of “overservicing” clients become a turning point? (08:15)Michael explains how a conversation with management revealed a deeper misalignment between his client-service philosophy and the wirehouse model. What does client service look like beyond portfolio management? (11:30)The discussion explores how tax planning, equity compensation guidance, and proactive coordination can deepen client relationships. Why can specialization accelerate growth? (15:45)Michael shares why serving a defined niche often creates stronger referrals, greater expertise, and clearer positioning. How has the RIA landscape evolved since 2019? (20:30)Michael reflects on the rise of mega RIAs, changing technology capabilities, and why he believes independent firms still have significant advantages. What role do custodians really play in an independent business? (23:15)Michael discusses his experience working with Schwab and Fidelity and why he views custodians as strategic partners rather than competitors. Is the wirehouse model still the right fit for some advisors? (26:45)The conversation challenges the assumption that independence is the best path for everyone and explores the realities of running a business. Does reaching $1 billion in assets actually change anything? (32:45)Michael offers a practical perspective on growth, success, and why asset milestones can be misleading. What can advisors learn from the “steamboat” philosophy? (37:15)Drawing on his Navy experience, Michael shares a leadership framework that continues to shape how he approaches business building and decision-making. Key Takeaways Exceptional client service can become a meaningful competitive advantage when it extends beyond investment management. Independence gave Michael the flexibility to build a service model that aligned with his philosophy rather than adapting his philosophy to fit the platform. Developing a niche around executive compensation and concentrated stock positions helped accelerate Emerald's growth. The ability to make technology, custodial, and operational decisions quickly remains a significant advantage for independent firms. Not every advisor should be independent. Running a business requires a different set of skills and responsibilities than serving clients alone. Growth milestones are useful, but they do not define success. Michael believes success existed long before Emerald reached $1 billion in assets. High-performing teams with a clear client focus often find that growth becomes a natural byproduct of execution. https://youtu.be/RjzsMcC2DnY Quotable Moments “I literally had to go back and Google the word overservicing.” “Servicing the client is the most important thing that we can do today.” “If you serve a niche and you're very good at that niche, that word gets around.” “Growth becomes the outcome.” FAQs Can an advisor really “over-service” clients? The discussion explores the tension between efficiency and depth of service. While some business models prioritize scale and consistency, others are built around solving a broader range of client problems. The right answer often depends on the advisor's philosophy and business model. Does specialization still matter in a relationship business? Michael argues that developing expertise in a specific area can accelerate growth by making referrals easier and helping advisors become known for solving a particular set of problems. What actually changes when an advisor becomes independent? Beyond economics, independence often creates more flexibility around client service, technology, processes, and business decisions. At the same time, advisors assume responsibility for running the business itself. Is full independence the right path for every advisor? No. Michael acknowledges that many advisors benefit from the structure, support, and resources available within traditional firms. Independence offers flexibility, but it also introduces complexity and responsibility. How should advisors think about the $1 billion milestone? Michael views asset milestones as useful benchmarks but not measures of success. In his view, business quality, client outcomes, and sustainability matter more than any specific asset number. What role does an ideal client persona play in growth? Rather than trying to serve everyone, Emerald built its business around a clearly defined client profile. Michael believes that focus improves service, creates operational consistency, and supports organic growth. How can advisors balance growth with client service? One of the central themes of the episode is that growth and service are not necessarily competing objectives. In some cases, a differentiated service model becomes the reason a business grows. The discussion explores the tension between efficiency and depth of service. While some business models prioritize scale and consistency, others are built around solving a broader range of client problems. The right answer often depends on the advisor's philosophy and business model. Michael argues that developing expertise in a specific area can accelerate growth by making referrals easier and helping advisors become known for solving a particular set of problems. Beyond economics, independence often creates more flexibility around client service, technology, processes, and business decisions. At the same time, advisors assume responsibility for running the business itself. No. Michael acknowledges that many advisors benefit from the structure, support, and resources available within traditional firms. Independence offers flexibility, but it also introduces complexity and responsibility. Michael views asset milestones as useful benchmarks but not measures of success. In his view, business quality, client outcomes, and sustainability matter more than any specific asset number. Rather than trying to serve everyone, Emerald built its business around a clearly defined client profile. Michael believes that focus improves service, creates operational consistency, and supports organic growth. One of the central themes of the episode is that growth and service are not necessarily competing objectives. In some cases, a differentiated service model becomes the reason a business grows. Related Resources The Transitioning Advisor's Lament: Things I Wish I Knew Before Freedom vs. Familiarity: Is it Worth Disrupting Comfort for Something That Might Be Better? IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider Advisor Transition Report 2026 Guest Bio Michael Smith, CPWA® is the Founder and Managing Partner of Emerald Advisors, an independent wealth management firm overseeing more than $1 billion in assets for affluent families, executives, and business owners with complex planning needs. Mike entered the wealth management industry in 2005 after a distinguished 24-year career in the United States Navy, where he served both as an enlisted sailor in the Submarine Force and later as a Limited Duty Officer aboard USS Abraham Lincoln and on major staffs around the world. He earned a Bachelor of Science in Management and an MBA with dual emphases in Finance & Accounting and International Business. Throughout his career, Mike has been known for his commitment to comprehensive planning, helping clients navigate complex issues involving concentrated stock positions, executive compensation, tax strategy, estate planning, philanthropy, and multi-generational wealth transfer. His client-first approach and passion for education have helped Emerald Advisors grow from a startup firm in 2019 to a nationally recognized RIA serving more than 225 families. Outside of the office, Mike is an avid ultrarunner, golfer, lifelong learner, and dedicated advocate for children’s health initiatives. He is a current member of the Legacy Council at Seattle Children’s Hospital and has served in leadership and board roles supporting the Juvenile Diabetes Research Foundation, the Barbara Davis Center for Diabetes, the ALS Association, and the Alyssa Burnett Adult Life Center. He is also the proud father of Kat Smith. 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… From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story A conversation with Jason Diamond and Michael Smith, Managing Partner and Founder of Emerald Advisors.      Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story. It’s a conversation with Michael Smith, managing partner and founder of Emerald Advisors. I’m Jason 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 and, 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. Jason Diamond: Growth is often viewed as the result of better marketing, stronger referrals, a larger team and even acquisition and that’s all true yet growth can be the byproduct of something else entirely. For example, Michael Smith built a successful practice at Merrill then, one day, he was told he was spending too much time with his clients, or his management put it over-servicing clients. For Michael, that wasn’t a warning sign about his approach, it was a signal that he might have outgrown the firm and the model. Today, Michael is the founder and managing partner of Emerald Advisors, the independent RIA he launched in late 2019 with roughly 385 million in assets and 85 client relationships. Less than seven years later, the firm has grown to more than a billion in assets while remaining deeply focused on a highly-specialized client base and an unusually hands-on service model. What makes this story particularly interesting isn’t just the growth, it’s the thinking behind it. Michael’s perspective was shaped long before he entered wealth management. After serving more than two decades in the Navy, he brought a leadership philosophy centered on accountability, discipline and what he calls steamboat people, those who keep moving forward regardless of conditions, that mindset continues to influence how he builds his team, serves clients and evaluates opportunities. In this episode, we discuss the decision to leave Merrill, the realities of launching a fully independent RIA, why specialization can accelerate growth, the evolving role of custodians and technology and why he believes exceptional client service remains one of the industry’s most durable competitive advantages. Because Michael’s experience suggests that growth isn’t always the result of finding more opportunities, sometimes it’s the result of creating the freedom to execute the vision you already had so let’s jump in. Michael, thank you so much for joining us today. For starters, can you walk us through your background and what brought you to the world of wealth management? Michael Smith: Jason, thank you so much for the opportunity to be here today, I do listen to the podcast a lot especially before I left Mother Merrill. But my background and how I got into financial services is really distinct because I was on the board of JDRF back in the day and the national sponsor for JDRF was UBS PaineWebber and they’re like, “Mike, why don’t you be a financial advisor?” And my master’s degree was actually a finance and accounting in portfolio management because I’ve managed my own portfolio for years and years and so, when I couldn’t get a job, I just fell into it because I couldn’t get a job and I needed a job. That was 21 years ago, Memorial Day so that’s how I got into this industry. Jason Diamond: It’s a unique background, it’s super interesting and I want to talk more about it. You mentioned Mother Merrill, we’ll certainly get there. Before we do, give us a little bit of context on the current business you operate, Emerald Advisors, any context you can share on size, number of staff, types of clients you serve would be great. Michael Smith: Sure. So, we launched Emerald in 2019, November 2019 with about 85 clients and you always talk about this on the podcast how scared it is to launch and go independent. And I would say we took over about 95% of our clients that we wanted to bring over and today we’re at about 230 clients, I think we have some onboarding right now, we have just over a billion of assets. So, we launched with the 85 clients and around 350, 385 million, now we’re over a billion. Jason Diamond: Good for you. Michael Smith: Thank you. And I launched with four employees and we’re now at 11. And I would give a shout-out to one of my key employees because, when I launched, I actually hired somebody that had no experience with us and that was really a good thing because that allowed that person to really focus on operations and back office stuff while my business partner Emily and I were able to focus on bringing on the clients and alleviating any issues that they may have or thought. Jason Diamond: So, meaning you hired somebody basically immediately upon launch to help you with the transition and with this next chapter? Michael Smith: Correct. I hired them before but they started the day we launched. Jason Diamond: Brilliant, I love it. Oh, let’s definitely talk more about that because I think that’s a great strategy for … You’re right, you said it in a joking manner now because you’re seven years past but it’s a very real fear that advisors have and I think it’s worth talking more about. I want to mention too you have, obviously, built this business and grown this business dramatically. I don’t want to make this episode about the pandemic but you moved the business at a, certainly, a unique time. Did it impact your growth at all? Did you feel like you hit a brick wall? Just curious about your thoughts. Michael Smith: No, Jason, that’s a great observation. I would venture to say that the pandemic was actually a good thing for us. Jason Diamond: Interesting. Michael Smith: And I say that because, all of a sudden, you could hit pause because everyone was relearning how to do business, how do we do client reviews, how do we communicate with clients in a environment. So, I think the pandemic allowed us to just really reset our expectations visiting with clients because I used to fly a lot because I have clients in 38 different states so this has actually been, not just good for me, but good for the industry because I think it’s reset our expectations that we don’t have to be every day with a client facing. Jason Diamond: I agree with that largely and it’s true of our business too, by the way, it’s certainly reshaped the way people expect to be communicated with. I think Zoom has become much more mainstream, phone calls and we’ve heard from many other advisors who say something similar. I was just curious because you moved so close to or if there was an impact but I get, honestly, I think you’re right, it allowed you to have this nice natural inflection point and almost like flipping a switch of a clean slate. Michael Smith: It allowed us to learn the processes too. So, we launched in November 1st, by March we were in lockdown and so it gave us the opportunity to take several months of just learning the processes of how to be an RIA, it was pretty good. Jason Diamond: Absolutely. So, one of the things you mentioned in that was the way in which you serve clients and I’d read something funny and I think it was around the time of your move. You were talking about that, Merrill, you had a manager who spoke about that you would overserve your clients, you serve clients too much, tell me about that. Michael Smith: That was such an interesting topic because I got called down to the ops officer’s office and they’re like, “Ugh, Mike.” And it brought my admin down with me and they’re like, “Mike, these reports that you’re taking care of your clients too much,” and I’m like, “What do you mean?” “Well, you’re overservicing them.” Jason, I literally had to go back and Google the word overservicing because I was like, “How do you overservice the client? I’m not making their bed.” It was just so funny to me that I got counsel for overservicing clients when we’re in a client-facing job and I think that was part of the catalyst. Jason Diamond: Tell me more about what they meant, you think. Michael Smith: Hindsight, I think they … I like to take care of people which means I’m very intuitive towards taxes, I understand how the tax code works, I understand how everything impacts their bottom line. So, when we’re doing deferred comp enrollments or 401(k) enrollments or I’m a big believer in Roth 401(k)s and backdoor Roths and I’ve been doing them for years, I think what Mother Merrill wanted at that time was us not to do that. And, again, nothing against Merrill, I get it but this is how they wanted us to act and I wasn’t in that mold, I was taking care of clients to a much deeper depth is how I would say it. Jason Diamond: And I think that speaks to you outgrew the model not necessarily the firm. I think Merrill does a lot of things really well, you would agree with that, I think given that you built 85 clients and 350 million in assets is nothing to sneeze at. But the model that it seems like you value client service and an integrated client service experience of that and the wirehouse model oftentimes doesn’t put a premium on that. Tell me about your ethos or your thoughts around client service today and what being independent enables you to do. Michael Smith: So, that’s an interesting observation because one of my clients actually just mentioned to me that the reason we’re growing so much is because of our service model and the fact that we deliver a tremendous amount of value over just portfolio management. I said my managers is in portfolio management, I don’t do that any longer, I have a staff that handles that for me but it’s really the servicing of the clients because they don’t know what we know and I think servicing the client is the most important thing that we can do today. Jason Diamond: Give me some examples of what you mean by servicing the client in a more holistic way. I agree with you, by the way, portfolio management, table stakes, financial planning, table stakes, tell me more about what you mean. Michael Smith: By that I mean we do a quarterly review on tax. So, a lot of people don’t understand how taxes work and how estimated taxes work. So, estimated taxes are January 1st to March 31st, January 1st to May 31st, January 1st to August 31st, that’s how you do your estimated tax payments, you figure out what that is. And for compensated employees where they have RSUs that come in at different times of the year or different grants or exercise their options at a different time, that can affect their estimated tax liability and I’m not big on giving Uncle Sam any more money than they have to have until they need it. And then everyone doesn’t understand how the penalties and interest works on the IRS. And I’m big on the tax payments because that’s where we can add a lot of value for not a lot of time and we integrate it with our portfolio so we know what we’re doing with our gains. And I happen to reside in Washington State which has a long-term capital gains tax rate once you surpass about 270,000 of long-term capital gains. So, it’s super important for us to be aware of this and that’s how we service them. We also help them with their rebalancing of their 401(k)s, things that wirehouses cannot supposed to do, we are not supposed to be helping them with some of their aspects of life. Jason Diamond: Yup. That’s what I was alluding to earlier, it’s limitations on the model, not because they’re bad models, it’s just a different way, a different ethos around client service. You mentioned RSUs and corporate employees, I know that’s a niche you have is around concentrated stock positions and equity comp plans. I guess let me ask you two different questions around this. First of all, why that niche? Interested. And then, second of all, do you think a team needs to have a specialization to be competitive these days or do you think it’s okay just to be like, “My job is to be the best advisor and I want to service assets wherever those assets may come from?” Michael Smith: Another great observation. I’m going to address the niche first and foremost. I think, and I talked to R.J. Shook’s staff just recently, and having a niche gives you a specialization and it also accelerates your growth factor. If you serve a niche and you’re very good at that niche, then that word gets around. If you’re a jack of all trades, you can do lots of things but I don’t think you’re focused and you’re not hitting the right numbers that I like to see. And I think that would be my theme is the niche allows you to focus on a very specific type of ideal client, that’s a Schwab thing where you have an ideal client persona and our firm has an ideal client persona. As far as having the equity comp, I absolutely was one of the teams at Merrill Lynch that was equity compensation designated, I managed a couple of plans. My exposure to that, Jason, I haven’t thought about this in a very long time, came from UBS where I had team members that were colleagues that were associated with the Nextel Sprint plan. And I always thought that you’re taking care of the top executives but, really, my background being in the military was how do we take care of the troops, the troops, I call them sailors, and how do we educate those sailors. And one of the things I’ve always said in my entire career in the military and I still say to this day is 50% of every bonus or a promotion or something like that should go to long-term savings. So, I use that same mentality with RSUs, with stock options, with bonuses. Set that aside, let that grow because you’re not used to spending it and you will learn to spend what you make. Jason Diamond: I think that’s a great reason, it’s super smart and I love your explanation, it was a very simplistic way. Honestly, even I hadn’t thought about that around your niche, I think, becomes almost like a force multiplier for your own growth because it’s much easier to become the guy in X, Y, Z vertical than to be the guy in every financial advisor of America, across America. Let me ask you a follow-up question, you mentioned the ideal client persona. I spend a lot of time at our firm thinking about this as well, what does your ideal client persona look like. How do you think about an opportunity though that differs from that persona? So, it’s great. Obviously, everybody, it’s easy, you get somebody who’s your perfect prospect, they walk in the front door, sign me up. But when you get something that’s not down the fairway for you, is it just I evaluate it on a one-off basis or are you super disciplined to that approach because it’s who your firm is? Michael Smith: I truly haven’t given that a whole lot of thought but I will tell you how I would handle that because I am handling it with some one-offs. I like the opportunity because you’re stretching your brain in that you’re thinking about how somebody else is reacting so you’d never know. So, I like it from a learning perspective but I also know it comes with a lot of other baggage, I’ll call it baggage, because, all of a sudden, they want to short the market, they want to go long-short strategies. So, all of a sudden, they’re not in our niche and, all of a sudden, they’re taking a lot of time, they’re draining our time so I think you got to be very careful about what you wish for. And there’s a lot of great advisors out there that will walk circles around these topics that I’m like, “Okay, I would rather refer somebody so they get the right experience than give them the wrong experience.” Jason Diamond: I absolutely love that answer. The bow you just put on it, I think, is the appropriate way in my mind to put a bow. At the end of the day, wouldn’t you rather service somebody more optimally even if you don’t believe it’s yourself, I agree with that. I want to ask you one more point on the client service piece. I was playing around on your website and, on your service model, you have health as a component of the client experience of your diagram. Why do you think health matters in a financial context? Michael Smith: I always believed in a healthy mind and a healthy body will bring so much joy to you and I think health is just part of your persona. If you don’t take care of yourself and your body and your mind, then it doesn’t matter what I do, I think you got to start with health. So, I’m very big on the executive physicals, I routinely require all of our staff to have an annual physical. And, again, they’re young people but you got to have these annual … I live and breathe going to see a doctor every year to do my annual physical, not because I think I’m pretty good health, I still run, I do a lot of things but I think your life starts with being healthy. Jason Diamond: Yeah, it’s refreshing to hear that, no doubt. It’s funny to think about but 2019 is a long time ago now and, in RIA world, I almost think of it like dog years. You’ve been around the block now for a little while so I’m curious how have you seen this space change since you launched in 2019? Michael Smith: In 2019, I didn’t know what I was doing, I could barely get out a wet paper bag but I do think it’s changed dramatically. I would say the biggest thing I’ve seen in just the six and a half, almost seven years is the rise of the mega RIAs and how they’re going to shape the industry. Everyone talked about fee compression at Merrill Lynch. When I was at Merrill, we talked about fee compression, then they talked about robo-advisors and now they’re talking about artificial intelligence replacing advisors, I don’t believe that and I don’t think that’s going to happen in the RIA space. What I see the RIA space maturing is into these very big mega firms as well as these independent RIAs like myself that serve a very niche market where we can walk in our lane. The ability to transact today is so much easier as an RIA than it was at a wirehouse as well because we have instant access to technology. My military background, my Navy background says make a decision right, wrong or different, if you don’t like it afterwards or you get new data, course change. So, in our industry, we can change on a notice. I hired a tech firm last year, I didn’t like the experience nine months into it, guess what, they’re not coming back. So, I can do that but you can’t do that at the bigger firms and even the bigger mega firms would have a hard time navigating a change just like that on a dime. Jason Diamond: You bring up an interesting point. To the extent you face competition, do you find yourself competing more against traditional wirehouse type firms or RIAs like yourself, mega caps RIAs? Are your clients attuned to any of this? Michael Smith: That’s an observation I haven’t thought of either there, Jason. I would say I don’t feel that I have a … I know there’s competition out there but we have a growth issue more than we have anything else so I don’t … I can’t take on the clients that want to become my clients so I’m not competing with people too much. Jason Diamond: A capacity issue, you mean? Michael Smith: Yeah, I have a capacity issue. Jason Diamond: I think you’re not alone in that. How can I even think about competition and the like when … A lot of advisors would probably say that. I want to talk more about the capacity situation but, before I do, let’s talk a little more about the RIA setup. Who do you custody with, remind us, and why or how did you arrive at that decision? Michael Smith: Yeah. So, when I launched, I went with Schwab, Schwab is a phenomenal partner, they helped me get a lot of stuff done, I couldn’t have done it without Schwab. During the pandemic, I realized that I should probably … So, remember, during the pandemic, we had a lot of issues with the banking industry, it was almost like a financial crisis but in a very compressed time. So, during the COVID, I decided to add Fidelity as another custodian so now I have two custodians and I opened accounts on both sides of the house but I like the custodians that are there to help you, they’re very good at what they do. I don’t even consider them a competitor and they aren’t competitors, they have their own branch so I don’t consider them competitors, I think they’re my partners and both Charles Schwab and Fidelity are good partners. Jason Diamond: Yeah, I think that’s the healthy way to look at the custody relationship. That’s a very common approach, I think, is launching with one custodian and then adding a secondary custodian or a tertiary custodian down the line for one reason or another so I appreciate you sharing that because we get those types of nuts and bolts questions a lot so I figured I’d ask you. One last question on the setup and then we’ll shift gears. Has anything been a negative? So, you talked about leaving Mother Merrill behind and, Mother Merrill, we use it facetiously but obviously it implies a degree of comfort and the homeland so I’m curious if you miss anything. Michael Smith: I miss the camaraderie of being with a bunch of other folks. I mentioned this when I first launched, I mentioned it year over year with my team, the one thing that we miss as an RIA and, again, Dynasty has their benefits as well and the mega RIAs have their benefits but, if you’re a true independent like myself, we get to go to conferences that we want to and that’s a timing issue, really, a time constraint. But one thing Merrill and Morgan, JPMorgan, and the other big wirehouses have as well as the megas, they have the ability to put conferences together for their advisors or their administrators and have this education. That’s the one thing that, I think, would evolve in the RIA industry in the future as well. They’re not my competitors, they’re my business colleagues. And if we think of them as competitors, and a lot of people do because I don’t want to share my client information or what I do with my competitor because they may steal them, if you’re that insecure, then you’re probably not the right advisor in the first place. Jason Diamond: I don’t disagree with that. It’s interesting too, I hear two common answers to that question, not about Merrill but just about somebody who’s broken away, what do you miss about the captive firm world. Either on this podcast or just in conversations with advisors, brand comes up a lot and then the point you just raised. I’ll even hear like, “Hey, forget the conferences and the trainings, just being able to have an office where I’ve got eight other advisors on a row for me, it’s a little bit of a different setup than in the independent space,” and I think that’s just a reality of you take the good with the bad. And for other advisors, by the way, one of the things I want to ask you about to this point is do you believe that there are advisors that are just better served in the W2 traditional firm world or do you think that every advisor should be looking at the RIA space? Michael Smith: I think that wirehouse serves a great purpose and- Jason Diamond: Okay, me too. Michael Smith: … there’s a lot of great people that are great advisors in that wirehouse, they need the structure. What I hadn’t alluded to is, and I mentioned this to a former manager from Merrill Lynch of mine just recently, actually, I was like, “I don’t think advisors realize what it takes to run a business.” I’m not trying to sugarcoat it, running an RIA is hard work, it takes a lot of your time day in and day out to run a business as well as taking care of and servicing your clients so I do think the wirehouse venue is the right way to go. And, Jason, I want to go back to one other thing about your identity. I launched as the Smith Group because that’s what I was known at Merrill Lynch. Within three or four months, I changed that name to a firm because I did not want to be associated with it. So, when you’re at one of the wirehouses, you’re known as your team name or something of that sort, I didn’t want to be known as that, I wanted to be known as Emerald Advisors not the Smith Group because, all of a sudden, you have a single point of failure. So, brand identity, it’s not so unique inside the wirehouse because it’s a team name versus Merrill or Morgan Stanley or something like that. Jason Diamond: It’s a good segue because I’ll tell you where my mind goes when you bring that up. My mind goes is you’re smart in a way that you might not even realize or maybe you do realize which is that, if and when it ever comes time to sell this business, it is probably more valuable without your name attached to it or maybe not. But in some way, shape or form, as an RIA, you have an obligation to be thinking about that or it’s probably on your radar, maybe not an obligation. Have you given an ounce of thought to M&A either acquiring businesses, growing in that way or, ultimately, when you succeed out of this business and what the RIA space enables you to do? Michael Smith: To answer that question, yes. Everyone’s thinking about merger and acquisition, I think about succession planning from day one. I actually thought about I’m a big team person, I come from the submarine force where everyone is a key player on a submarine, every single person has a job and responsibility on a nuclear submarine. So, inside the financial services industry, I know Merrill Lynch was very big on teaming, I understand Morgan Stanley is as well because teaming gives them a breadth of responsibility where the responsibilities are shared. So, mergers and acquisitions or selling my business, I think, if you’re not thinking about that … And I’m not thinking about selling my business because that’s a distraction to me. If I needed the money, then I would’ve went to a wirehouse and that’s okay, you monetize your life’s work. Today, I’m all about what’s right for the client, what’s right for my team and what’s right for where I want to be in the next 10 to 20 years. So, I am growing, I do want to grow, I’m looking at opening offices in probably three locations in the next 24 months or so. Jason Diamond: Well, that’s what I was going to say, plenty of advisors I think would say the same, I have a lot of runway. But what about the other side of this equation which is you’ve had tremendous organic growth, you’ve tripled your client base, you’ve more than tripled the asset base, have you thought about acquisition as a mean to jet fuel the inorganic growth side of things? Michael Smith: I have but not in the typical sense that you’re looking at as buying a book of business. I want to partner with like-minded advisors that share that common thread of taking care of clients where you can serve as their trusted counsel and sit in the meetings with their attorneys and sit in the meetings with the accountants and give them sage counsel that you can only do because you’ve been with the family for 20 years. You know this family and that, not always, but I think that’s missed a lot in other firms. Jason Diamond: Yeah, I think that’s fair. I just thought of something else that you brought up. You brought Dynasty so I’m going to ask … I’m going to pull on this thread. That implies to me that you’re at least loosely aware of the supportive independence models that are out there yet you chose a very independent, autonomous path, why? Michael Smith: Because I didn’t know what I was doing. Jason Diamond: Fair. Michael Smith: Let’s be honest, I like Dynasty, I talked with Dynasty when I left. I talked to them all, I talked to Rockefeller, I talked to Morgan, I talked to Dynasty and then, when push came to shove, I wanted to be Mike Smith and launch my own firm and learn. And I will tell you, you learn drinking through a fire hose and we did that, we learned, I know the mistakes. What I didn’t want to do is just go to someplace where this is the stuff you’re going to have to use. So, I think Dynasty is a great launching platform, I think there’s other ones out there that are similar to Dynasty or the Rockefellers or the Morgans, it’s truly what you’re trying to achieve in life. What do you want for you and your clients and I always put my clients before me because I’ve always had this lifelong thing of, you do the right thing, you’re going to get taken care of. Jason Diamond: Yeah. And that’s a very common analysis, by the way, and it’s very common too for big advisors like yourself to say I did my homework across all of those different categories. I looked at the traditional wirehouses and regional firms and boutique firms, I looked at the independent broker dealers, I looked at the support platforms and the aggregators and the roll-ups and here’s ultimately what I landed on and why. Did you always know that though or was that something that it took you a diligence process to figure out? There was plenty of advisors, by the way, who come to us and they’re like, “I knew for the last five years that I was sitting there I was launching an RIA someday.” Michael Smith: Yeah. I did not know that and, to be honest with you, hindsight, I think one of those partners probably could have made me a little bit better at first because then I could have focused on clients versus focusing on, hey, how to open a business, who’s your technology … We talked about custodians and some other things but we didn’t talk about technology, how do you go find that technology. Where’s your email address come from? Who’s your chief compliance officer? When it resides on you, you got to look in the mirror. So, I think those parties out there that provide that for brand-new advisors launching could be very beneficial. I had in my mind what I needed to do and I knew I’m very frugal so mine boiled down to how much money I wanted to spend, to be honest with you. Jason Diamond: I think it is a cost benefit analysis, it is. It’s absolutely … Because if you list the functions of a support platform on paper and you showed it to somebody who didn’t know the industry, they would say, “Why on earth wouldn’t you do this? They’re taking off your plate compliance and tech and custody and the like,” and the answer is because there’s a cost associated with it and plenty of advisors decide what you decide, I wanted … Or I just wanted a greater degree of autonomy and freedom, to your point, the name on the door piece, I wanted this to be mine. Michael Smith: And, Jason, I think it also goes to the uncertainty. I had never done anything since Navy, financial advising and then launching. So, for me, I was launching with four employees I had to take care of and here I was going to hire a third party that I was going to have to spend X amount on and I didn’t even know what my income was going to be. That’s different if you’re a multi-billion dollar FA coming out of a wirehouse, the monetary dynamics are different. Jason Diamond: Agreed. Okay, here’s a good one for you. We get this concept from advisors, from firms, from private equity that a billion dollars in assets is like this magic number in our industry. Do you feel like anything’s changed now that you’re at a billion and what’s the next chapter for Emerald Advisors? Is it just continuing on this steady trajectory and serving clients and trust that everything else comes with that? Michael Smith: I go back and forth on a billion, everyone thinks that’s the right number, the biggest number that you need but I think it’s just an arbitrary numbers because it didn’t define who I was. And a lot of people define success at a billion, they define success that you’re a successful firm at a billion. I think I was a successful firm at 300 million, I was a successful financial advisor with 20 clients in 2005. I would say a billion is a multiplier, what I would tell new advisors out there today is gather assets. The more assets you have, the more revenue you generate. The more revenue you generate, the more money you can put in your pocket which means the longer you can stay in the industry. The problem with the industry is an attrition problem, not anything else. So, assets just give us the ability to have revenue which gives us the ability to grow. Jason Diamond: And is that the plan? Keep adding assets, keep growing one client at a time with the focus though, obviously, on what makes you which is a very client-centric service model. Michael Smith: Correct. There’s a lot of things I want to do in the next couple of years and expanding our footprint is our biggest one with the right partners and then just keep adding. I have a business development officer that I’m probably offer a job to here pretty soon and things are going well. Jason Diamond: Yeah, that’s great. You mentioned the tech stack and the other components of the business and I hear you on the frugal cost-benefit analysis. But who did you turn to for some of those early decisions, was it Schwab primarily who helped hold your hand through that? Michael Smith: Schwab was very good at helping me identify the tech stack at first and the tech stack is actually the one consistent, there’s a lot of things I’ve been consistent on but tech is one that I’ve stayed with them. I launched with RightSize, now they’re Advisory, they’re very good, they do the right job for us and I’m big on cybersecurity. So, tech was helpful from Schwab, Schwab helped us with that. Jason Diamond: So, we spoke a little bit about your naval experience but, I’m curious, can you tell us how has your naval experience shaped your perception or your experience in wealth management? Michael Smith: My Navy path was a lot different than many officers. I served 12 years as an enlisted person before I got my direct commission as a Mustang officer, typically called limited duty officers or loud, dumb and obnoxious as I like to say. But that experience gave me a unique perspective because I was able to be the enlisted side and officer which are the workers and then the management side so I had both experiences which was unique. When I was commissioned, Admiral Jerry Ellis, a submarine admiral that commissioned me, heard this lesson to the podium, he was just talking about me in this point but he said, “There are three kinds of people in every organization. You have rowboat people who need to be pushed, you have sailboat people who move whenever the conditions are favorable and then there’s steamboat people, they move continuously through calm or storm.” And he said, “This is Ensign Michael Smith,” he said, “Make your course.” And that’s always stood with me because you do have those three types of people in life. You got people that are just … They’re robo people, they go until they get tired. You got sailboat people that go wherever the wind blows them and then you got steamboat people that chart their own course. I would say for advisors out there make your course or just be happy with what you’re doing. But for some of us hard chargers, I think that analogy has stayed with me my entire career. Jason Diamond: It’s fantastic. I love the analogy, great naval tie in also. Thanks for sharing that. We got time for one more question. You have a fascinating background, a fascinating path to the industry, obviously, an incredibly disciplined approach around client service, any parting thoughts, words of wisdom especially as it relates to growth? That’s what strikes me most about your story is the growth that your move unlocked and that’s what every advisor who listens to our show is looking for. Michael Smith: I’m going to give another plug to Schwab on this. We actually were fortunate and I got their consulting group to come in right afterwards and I’m a big believer in having offsite. So, I’ve had an offsite, two offsites a year for my team and it’s the entire team unlike the wirehouses where you don’t take your admins and stuff like that. I take my entire team to an offsite and we group up on what we’re trying to achieve and have goals and objectives for the year. Schwab allowed us to use their consultants and we came up with our ideal client persona. Teams or firms that have this model become high performing. When you become high performing, growth becomes the outcome. I couldn’t do anything but grow. Jason, I couldn’t not grow because I had this ideal client persona, I knew how I was going to do it, it was measurable. So, growth becomes the outcome and, if you hold people responsible, then we’re all going to grow together and it’s a fun outcome. Jason Diamond: Fantastic, it’s a great place to end. Thank you so much for sharing your expertise with us, I can’t wait to see what the next chapter holds for Emerald, this has been a lot of fun. Michael Smith: Jason, thank you so much. I appreciate everything you do for the industry as well. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story A conversation with Jason Diamond and Michael Smith, Managing Partner and Founder of Emerald Advisors.      Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story. It’s a conversation with Michael Smith, managing partner and founder of Emerald Advisors. I’m Jason 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 and, 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. Jason Diamond: Growth is often viewed as the result of better marketing, stronger referrals, a larger team and even acquisition and that’s all true yet growth can be the byproduct of something else entirely. For example, Michael Smith built a successful practice at Merrill then, one day, he was told he was spending too much time with his clients, or his management put it over-servicing clients. For Michael, that wasn’t a warning sign about his approach, it was a signal that he might have outgrown the firm and the model. Today, Michael is the founder and managing partner of Emerald Advisors, the independent RIA he launched in late 2019 with roughly 385 million in assets and 85 client relationships. Less than seven years later, the firm has grown to more than a billion in assets while remaining deeply focused on a highly-specialized client base and an unusually hands-on service model. What makes this story particularly interesting isn’t just the growth, it’s the thinking behind it. Michael’s perspective was shaped long before he entered wealth management. After serving more than two decades in the Navy, he brought a leadership philosophy centered on accountability, discipline and what he calls steamboat people, those who keep moving forward regardless of conditions, that mindset continues to influence how he builds his team, serves clients and evaluates opportunities. In this episode, we discuss the decision to leave Merrill, the realities of launching a fully independent RIA, why specialization can accelerate growth, the evolving role of custodians and technology and why he believes exceptional client service remains one of the industry’s most durable competitive advantages. Because Michael’s experience suggests that growth isn’t always the result of finding more opportunities, sometimes it’s the result of creating the freedom to execute the vision you already had so let’s jump in. Michael, thank you so much for joining us today. For starters, can you walk us through your background and what brought you to the world of wealth management? Michael Smith: Jason, thank you so much for the opportunity to be here today, I do listen to the podcast a lot especially before I left Mother Merrill. But my background and how I got into financial services is really distinct because I was on the board of JDRF back in the day and the national sponsor for JDRF was UBS PaineWebber and they’re like, “Mike, why don’t you be a financial advisor?” And my master’s degree was actually a finance and accounting in portfolio management because I’ve managed my own portfolio for years and years and so, when I couldn’t get a job, I just fell into it because I couldn’t get a job and I needed a job. That was 21 years ago, Memorial Day so that’s how I got into this industry. Jason Diamond: It’s a unique background, it’s super interesting and I want to talk more about it. You mentioned Mother Merrill, we’ll certainly get there. Before we do, give us a little bit of context on the current business you operate, Emerald Advisors, any context you can share on size, number of staff, types of clients you serve would be great. Michael Smith: Sure. So, we launched Emerald in 2019, November 2019 with about 85 clients and you always talk about this on the podcast how scared it is to launch and go independent. And I would say we took over about 95% of our clients that we wanted to bring over and today we’re at about 230 clients, I think we have some onboarding right now, we have just over a billion of assets. So, we launched with the 85 clients and around 350, 385 million, now we’re over a billion. Jason Diamond: Good for you. Michael Smith: Thank you. And I launched with four employees and we’re now at 11. And I would give a shout-out to one of my key employees because, when I launched, I actually hired somebody that had no experience with us and that was really a good thing because that allowed that person to really focus on operations and back office stuff while my business partner Emily and I were able to focus on bringing on the clients and alleviating any issues that they may have or thought. Jason Diamond: So, meaning you hired somebody basically immediately upon launch to help you with the transition and with this next chapter? Michael Smith: Correct. I hired them before but they started the day we launched. Jason Diamond: Brilliant, I love it. Oh, let’s definitely talk more about that because I think that’s a great strategy for … You’re right, you said it in a joking manner now because you’re seven years past but it’s a very real fear that advisors have and I think it’s worth talking more about. I want to mention too you have, obviously, built this business and grown this business dramatically. I don’t want to make this episode about the pandemic but you moved the business at a, certainly, a unique time. Did it impact your growth at all? Did you feel like you hit a brick wall? Just curious about your thoughts. Michael Smith: No, Jason, that’s a great observation. I would venture to say that the pandemic was actually a good thing for us. Jason Diamond: Interesting. Michael Smith: And I say that because, all of a sudden, you could hit pause because everyone was relearning how to do business, how do we do client reviews, how do we communicate with clients in a environment. So, I think the pandemic allowed us to just really reset our expectations visiting with clients because I used to fly a lot because I have clients in 38 different states so this has actually been, not just good for me, but good for the industry because I think it’s reset our expectations that we don’t have to be every day with a client facing. Jason Diamond: I agree with that largely and it’s true of our business too, by the way, it’s certainly reshaped the way people expect to be communicated with. I think Zoom has become much more mainstream, phone calls and we’ve heard from many other advisors who say something similar. I was just curious because you moved so close to or if there was an impact but I get, honestly, I think you’re right, it allowed you to have this nice natural inflection point and almost like flipping a switch of a clean slate. Michael Smith: It allowed us to learn the processes too. So, we launched in November 1st, by March we were in lockdown and so it gave us the opportunity to take several months of just learning the processes of how to be an RIA, it was pretty good. Jason Diamond: Absolutely. So, one of the things you mentioned in that was the way in which you serve clients and I’d read something funny and I think it was around the time of your move. You were talking about that, Merrill, you had a manager who spoke about that you would overserve your clients, you serve clients too much, tell me about that. Michael Smith: That was such an interesting topic because I got called down to the ops officer’s office and they’re like, “Ugh, Mike.” And it brought my admin down with me and they’re like, “Mike, these reports that you’re taking care of your clients too much,” and I’m like, “What do you mean?” “Well, you’re overservicing them.” Jason, I literally had to go back and Google the word overservicing because I was like, “How do you overservice the client? I’m not making their bed.” It was just so funny to me that I got counsel for overservicing clients when we’re in a client-facing job and I think that was part of the catalyst. Jason Diamond: Tell me more about what they meant, you think. Michael Smith: Hindsight, I think they … I like to take care of people which means I’m very intuitive towards taxes, I understand how the tax code works, I understand how everything impacts their bottom line. So, when we’re doing deferred comp enrollments or 401(k) enrollments or I’m a big believer in Roth 401(k)s and backdoor Roths and I’ve been doing them for years, I think what Mother Merrill wanted at that time was us not to do that. And, again, nothing against Merrill, I get it but this is how they wanted us to act and I wasn’t in that mold, I was taking care of clients to a much deeper depth is how I would say it. Jason Diamond: And I think that speaks to you outgrew the model not necessarily the firm. I think Merrill does a lot of things really well, you would agree with that, I think given that you built 85 clients and 350 million in assets is nothing to sneeze at. But the model that it seems like you value client service and an integrated client service experience of that and the wirehouse model oftentimes doesn’t put a premium on that. Tell me about your ethos or your thoughts around client service today and what being independent enables you to do. Michael Smith: So, that’s an interesting observation because one of my clients actually just mentioned to me that the reason we’re growing so much is because of our service model and the fact that we deliver a tremendous amount of value over just portfolio management. I said my managers is in portfolio management, I don’t do that any longer, I have a staff that handles that for me but it’s really the servicing of the clients because they don’t know what we know and I think servicing the client is the most important thing that we can do today. Jason Diamond: Give me some examples of what you mean by servicing the client in a more holistic way. I agree with you, by the way, portfolio management, table stakes, financial planning, table stakes, tell me more about what you mean. Michael Smith: By that I mean we do a quarterly review on tax. So, a lot of people don’t understand how taxes work and how estimated taxes work. So, estimated taxes are January 1st to March 31st, January 1st to May 31st, January 1st to August 31st, that’s how you do your estimated tax payments, you figure out what that is. And for compensated employees where they have RSUs that come in at different times of the year or different grants or exercise their options at a different time, that can affect their estimated tax liability and I’m not big on giving Uncle Sam any more money than they have to have until they need it. And then everyone doesn’t understand how the penalties and interest works on the IRS. And I’m big on the tax payments because that’s where we can add a lot of value for not a lot of time and we integrate it with our portfolio so we know what we’re doing with our gains. And I happen to reside in Washington State which has a long-term capital gains tax rate once you surpass about 270,000 of long-term capital gains. So, it’s super important for us to be aware of this and that’s how we service them. We also help them with their rebalancing of their 401(k)s, things that wirehouses cannot supposed to do, we are not supposed to be helping them with some of their aspects of life. Jason Diamond: Yup. That’s what I was alluding to earlier, it’s limitations on the model, not because they’re bad models, it’s just a different way, a different ethos around client service. You mentioned RSUs and corporate employees, I know that’s a niche you have is around concentrated stock positions and equity comp plans. I guess let me ask you two different questions around this. First of all, why that niche? Interested. And then, second of all, do you think

In Emerald City, the enchanted city in The Wizard of Oz, everyone wears glasses with green lenses. But did you know that this practice actually dates back to ancient times? To a Roman emperor in fact, and his passion for a precious green stone: the emerald. For centuries, the emerald was believed to have almost magical properties, including the ability to improve eyesight. Fascinated by this stone, Emperor Nero always carried one with him. According to legend, he even watched chariot races while looking through an emerald. And as surprising as this may seem, some believe that this was the very first pair of sunglasses! Voice of Jewels, a podcast from L'ÉCOLE, School of Jewelry Arts supported by Van Cleef & Arpels. Unveiling the stories and secrets behind History's most fascinating jewels.With the participation of Marie-Laure Cassius-Duranton, gemologist and art historian at L'ÉCOLE, School of Jewelry Arts.Written by Martin Quenehen and Aram Kebabdjian, performed by Edoardo Ballerini, and produced by Bababam. Hosted on Acast. See acast.com/privacy for more information.

A Scholarly Textual Analysis of Orchid Imagery in Barbados © 2026 Dr.William Anderson Gittens, D.D. ISBN 979-8-90553-446-1AbstractThis conversation presents a textual and visual analysis of a residential structure and a collection of flowering orchids situated within a cultivated tropical garden. Through the lens of visual semiotics and environmental aesthetics, the images reveal a dynamic relationship between architecture, landscape design, and botanical symbolism. The house functions as a signifier of permanence, order, and domestic identity, while the orchids symbolize rarity, cultivation, beauty, and ecological diversity. Together, these visual elements construct a narrative of human interaction with nature, where built and organic environments coexist in a carefully maintained aesthetic ecosystem. The analysis demonstrates how colour, composition, spatial organization, and botanical diversity communicate cultural values associated with tropical domesticity and environmental stewardship. The underpinning of this conversation is grounded in theories of visual analysis, orchids, architecture, semiotics, tropical gardens, and environmental aestheticsDr.William Anderson Gittens, D.D.Podcast 299. A Scholarly Textual Analysis of Orchid Imagery in Barbados© 2026 ISBN: 979-8-90553-446-1 by Dr. William Anderson Gittens, D.D.,Devgro Media Arts Services Publishing®2015 In collaboration with iMovie present Podcast 299. A Scholarly Textual Analysis of Orchid Imagery in Barbados© 2026 ISBN: 979-8-90553-446-1 by Dr. William Anderson Gittens, D.D.,RECOGNITIONSAs I take a moment to reflect on my journey, I am filled with profound gratitude for the Creator's guiding hand that has led me every step of the way. Life has brought me countless blessings, and at the forefront of these blessings is the immeasurable debt of thanks I owe to my late parents, Charles and Ira Gittens. They bestowed upon me their wisdom and creative spirit, which have been a consistent source of inspiration throughout my life. Their counsel and encouragement continue to resonate within me, shaping my path and purpose. To my beloved wife, Magnola Gittens, your unwavering support has been my anchor in turbulent seas. Your love and understanding provide the strength necessary to navigate life's complexities. I am eternally grateful for your presence, which comforts and uplifts me. To my brothers—Shurland, Charles, Ricardo, and my late brothers Arnott and Stephen—as well as my sisters, Emerald, Marcella, and Cheryl, thank you for being my steadfast companions along this journey. Each of you has contributed uniquely to my narrative, reminding me of the importance of family ties in shaping who I am today. I extend my heartfelt appreciation to my cousins: Joy Mayers, Kevin and Ernest Mayers, Donna Archer, Avis Dyer, and Jackie Clarke. Your love and camaraderie have enriched my life beyond measure. To my uncles, Clifford, Leonard Mayers, David Bruce, and Collin Rock, your support has been invaluable, strengthening the bonds of our family. To my children, Laron and Lisa, grandson Elijah you are my pride and joy, the motivation behind my work, fuelling my desire to create and inspire.Moreover, I am equally grateful to all who have believed in me and wanted nothing but the best for my growth. Mr. and Mrs. Andrew Platizky, Mr. Matthew Sutton, Mr. Juan Arroyo, Mr. and Mrs. David Lavine, and many others have played pivotal roles in my development, encouraging me to pursue my passions relentlessly. During my time at New Jersey City University (NJCU), I had the privilege of receiving guidance from exceptional mentors, including the late Dr. Joseph Drew, Merline Mayers, Mrs. Ellen Gordon, Dr. Nicholas Gordon, Rev. Dr. Scofield Eversley BSS, and many others. Conversations about enhancing my writing skills after graduating were integral to my growth, providing the foundation for my future endeavours. Over the past three decades, my experiences in the leisure activities industry have significantly shaped my journey. From 1995 to 2026, I have devoted myself to writing, resulting in 472 E-Publications and 299 podcasts that resonate within the community. In recognition of the profound impact Dr. Joseph Drew had on my academic and personal development, I dedicated my 66th publication, "A Tribute to Culture" Vol. 1, to him—a small token of gratitude for his enormous influence on my life.As I look forward to what lies ahead, I remain thankful to all who have contributed to my story and to the Creator for the endless possibilities this journey holds. Each person's presence has left an indelible mark on my life, guiding me toward a future filled with hope and potential.Dr. William Anderson Gittens, D.D.References Gittens, W. A. (2026). The Five Ws on the Word's Etymology and the Orchid's Habitat [Audio podcast episode]. Spotify. https://open.spotify.com/episode/examplelink Gittens, W. A. (2026). The Five Ws on the Word's Etymology and the Orchid's Habitat [Abstract]. Academia.edu. https://www.academia.edu/examplelinkGittens, W. A. (2026). Where are orchids found in Barbados?Gittens, W. A. (2026). Where are orchids found in Barbados? D.D. Copyright.Sievers, T. (2024). 47 orchid varieties: Different types of orchids. Epic Gardening. https://www.epicgardening.com/types-of-orchids/Chase, M. W., Christenhusz, M. J. M., & Mirenda, T. (2017). The book of orchids: A life-size guide to six hundred species from around the world. University of Chicago Press.American Orchid Society. (n.d.). Orchid care and culture. https://www.aos.orgThe "Five Ws" on the Word's Etymology and the Orchid's Habitat: An Interdisciplinary Investigation into Language, Knowledge, Ecology, Media, and Spiritual Consciousness by Dr. William Anderson Gittens, D.D. Copyright ISBN: 978-976-97942-8-3 © 2026Support the showCultural Factors Influence Academic Achievements© 2024 ISBN978-976-97385-7-7 A_MEMOIR_OF_Dr_William_Anderson_Gittens_D_D_2024_ISBNISBN978_976_97385_0_8Academic.edu. Chief of Audio Visual Aids Officer Mr. Michael Owen Chief of Audio Visual Aids Officer Mr. Selwyn Belle Commissioner of Police Mr. Orville Durant Dr. William Anderson Gittens, D.D En.wikipedia.org/wiki/Lifelong_learning Hackett Philip Media Resource Development Officer Holder, B,Anthony Episcopal Priest,https://brainly.com/question/36353773https://en.wikipedia.org/wiki/Lifelong_learning#cite_note-19https://en.wikipedia.org/wiki/Lifelong_learning#cite_note-:2-18https://independent.academia.edu/WilliamGittens/Bookshttps://scholar.google.com/scholar?hl=en&as_sdt=0%2C5&q=william+anderson+gittens+barbados&oq=william+anderson+gittenshttps://www.academia.edu/123754463/https://www.buzzsprout.com/429292/episodes. https://www.youtube.com/@williamandersongittens1714. Mr.Greene, Rupert

Wed, 17 Jun 2026 09:24:00 +0000 https://jungeanleger.podigee.io/3187-wiener-borse-party-1179-atx-fester-at-s-neu-im-1000-prozent-club-im-juni-kommt-noch-wer-dazu-emerald-termin-steht-und-die-18-sache c09728e1753565ae84ab53bd1f920d70 Die Wiener Börse Party ist ein Podcastprojekt für Audio-CD.at von Christian Drastil Comm.. Unter dem Motto „Market & Me“ berichtet Christian Drastil über das Tagesgeschehen an der Wiener Börse. Inhalte der Folge #1179: - ATX fester - AT&S vorne und jetzt auch im 1000 Prozent-Club 25 Years, wo im Juni noch ein Titel dazukommt - PIR-News: UBM, Addiko, Semperit, Frequentis, AT&S, Emerald Horizon, Innio - Sandra Marcher läutet die Opening Bell für Mittwoch. Die Personalchefin von Emerald Horizon freut sich mit den Mitarbeiterinnen und Mitarbeitern auf den unmittelbar bevorstehenden Börsengang - Börse Frankfurt mit dem DAX kann die 25.000 zunächst nicht halten - Ab 18 heisst nicht knapp unter 18 - mehr dazu im Podcast bzw. in einem Trial unter https://www.boerse-express.com/suche?search=drastil Links:  - WM Songs: http://www.audio-cd.at/music - Börsepeople Harald Suekar: http://www.audio-cd.at/people - Fanboy-Fundraising: http://www.christian-drastil.com - Stockpicking Österreich: https://www.wikifolio.com/de/at/w/wfdrastil1? - Austria 30 Private IR: https://www.wikifolio.com/de/at/w/wf00atat30 ATX aktuell: https://www.wienerborse.at/indizes/aktuelle-indexwerte/preise-mitglieder/??ISIN=AT0000999982&ID_NOTATION=92866&cHash=49b7ab71e783b5ef2864ad3c8a5cdbc1 Die täglichen Folgen der Wiener Börse Party (Co-verantwortlich Script: Christine Petzwinkler) sind 2026 präsentiert von der Deutsche Börse Xetra https://live.deutsche-boerse.com/xetraplus . Infos zum Jingle: https://audio-cd.at/page/podcast/7326 Risikohinweis: Die hier veröffentlichten Gedanken sind weder als Empfehlung noch als ein Angebot oder eine Aufforderung zum An- oder Verkauf von Finanzinstrumenten zu verstehen und sollen auch nicht so verstanden werden. Sie stellen lediglich die persönliche Meinung der Podcastmacher dar. Der Handel mit Finanzprodukten unterliegt einem Risiko. Sie können Ihr eingesetztes Kapital verlieren. Und: Bewertungen bei Apple (oder auch Spotify) machen mir Freude: http://www.audio-cd.at/spotify http://www.audio-cd.at/apple Du möchtest deine Werbung in diesem und vielen anderen Podcasts schalten? Kein Problem!Für deinen Zugang zu zielgerichteter Podcast-Werbung, klicke hier.Audiomarktplatz.de - Geschichten, die bleiben - überall und jederzeit! 3187 full no Christian Drastil Comm. (Agentur für Investor Relations und Podcasts)

Text us your questions to answer on a future episode (if you want me to contact you, please include your email)Derick Broderman from Emerald Air Service in Homer sits down with Jennie to talk about all things bear viewing from Homer and some of his advice for visiting Homer.Emerald Air Service Bear ViewingJoin the Alaska Planning Club on Patreon and ask me anything!Get Jennie's Inside Passage without a Cruise workshop (save 10% with code: PODCAST)Sign up for Jennie's email list (and get the free packing list)Follow Jennie on InstagramSupport the show

Ephesians 4:28-30     Sermon Outline:  6-14-26     Sermon audio:    6-14-26

Welcome back to the Oncology Brothers podcast! In this episode we are joined by Dr. Neena Vijayvergia from Fox Chase Cancer Center to discuss the latest highlights from ASCO 2026, focusing on gastrointestinal (GI) studies.   We discussed key studies: EMERALD-3 in HCC: Exploring the findings on combining TACE with Durvalumab and Tremelimumab, and the implications for patient outcomes. FIGHT-302 in Cholangiocarcinoma: The potential of FGFR inhibitors in frontline settings and the challenges of biomarker testing. CIRCULATE Update: The role of ctDNA in stage 2 colon cancer and how it influences treatment decisions. MATTERHORN Update: Benefits of perioperative chemotherapy and the importance of maintaining treatment regimens for better patient outcomes. We also touched on the evolving landscape of GI malignancies and the significance of multidisciplinary approaches in treatment planning. Tune in for an informative discussion that aims to enhance your understanding of the latest advancements in oncology and their practical applications in the clinic.    Listen us on: Spotify: https://open.spotify.com/show/31BXhY9FM4gPWG10WgE11o Apple Podcast: https://podcasts.apple.com/us/podcast/oncology-brothers-practice-changing-cancer-discussions/id1653340966 Follow us on social media: ⁠X/Twitter: https://twitter.com/oncbrothers ⁠Instagram: https://www.instagram.com/oncbrothers Website: https://oncbrothers.com/   Don't forget to subscribe for more updates on treatment algorithms, challenging cases, and conference highlights! #ASCO2026, #GIOncology, #ctDNA, #FGFRinhibitor, #OncologyBrothers

Marcin Popielarski Pokazuje, jak korzystać z emulatora Visual Boy Advance z NVDA i skryptem Pokemon Access. Omawia konfigurację Lua Script, uruchamianie Pokémon Emerald, zapisy gry, kody GameShark, podstawy świata Pokemonów, obsługę menu, walki, łapanie Pokemonów, Pokedex oraz ograniczenia i możliwości dostępnych gier z pierwszych generacji. Audycja dostępna jest również w wygenerowanej automatycznie wersji tekstowej

Emma Fitts is a Ōtautahi-based Interdisciplinary artist working amongst sculpture, photography, and textile installation. Drawing from an expanded painting practice in which the canvas is reimagined as an active material in itself, creating its own imagery and form while also behaving as its own support structure. Resulting in these immersive material rich spaces that contemplate architecture, textiles, queer history, feminism and memory.  In her current exhibition at Melanie Roger Gallery, Emerald Pools Fitts explores the notions of memory through the revisitation of a work first exhibited in the courtyard at Objectspace (2022) as lapping at your door, and later reconfigured for the installation of The Air like a stone presented at The Physics Room (2023). The work then undertook another reconfiguration and is now back here in Tāmak at Melanie Roger Gallery, presented as Emerald Pools.  Through each of its reconfigurations the work has built up this rich history, holding residue of its past lives and allowing the works memories of reconfiguration, weather exposure, and re-installation to become embedded within the work itself. Alongside the memory of the work's various iterations the work also holds the history of its own making process at its forefront. With Fitts purposefully exposing the works methods of construction through raw seams, and canvas folds. Shifting the viewers attention to not only the work itself but also the wider histories a work might hold. The show becomes a site of multiplicity, holding the work's accumulative history of its prior contexts, configurations, and surrounding dialogues. Maya caught up with Emma about the show and her overall practice.

In our HUNDREDTH bonus episode for Patreon subscribers, Emerald and Tom discuss Guy Rundle’s new piece on the state and future of the Greens. First, a bit of a chat about Guy and his history with the party. Then, they unpick his article “Colourless Green Ideas Schlep Furiously: The Greens are at a turning point. And taking the wrong one.” Is Max Hyphen-Name leading the party down a dead end? More like Guy Grumble, amirite?---------- The show can only exist because of our wonderful Patreon subscriber’s support. Subscribe for $3/month to get access to our fortnightly subscriber-only full episode, and unlock our complete library of ONE HUNDRED past bonus episodes. https://www.patreon.com/SeriousDangerAU ----------Guy Rundle’s piece -https://guyrundle.substack.com/p/green-ideas-or-ides-party-future Produced by Michael Griffinhttps://instagram.com/mikeskillz Follow us on https://twitter.com/SeriousDangerAU https://www.instagram.com/seriousdangerau https://www.tiktok.com/@seriousdangerauSupport the show: http://patreon.com/seriousdangerauSee omnystudio.com/listener for privacy information.

In tonight's dead letter, Daniel, a self-described skeptic writes in about the one thing he's never been able to explain away. He was a third-grader in northeast Washington in 1985, riding home one evening, when an intense green light blinded him and his mom in their car. For years he figured he'd made it up, or pulled it from some movie. Then it came up years later over lunch with his sister, and he found out he wasn't the only one in the car who never forgot it.REFERENCE LINKSWhen Mysterious Green Fireballs Worried the U.S. Government — HISTORYProject Twinkle and the Green Fireball InvestigationThe Green Flash: What Causes the Rare Sunset Phenomenon — EarthSkyFairchild Air Force Base History — HistoryLink.orgFaded Giant by Robert Salas and James KlotzThe 1967 Malmstrom Missile Shutdown — CUFON ArchiveRobert Hastings — UFOs and NukesAstonishing Legends Ep. 155: Abduction at Devil's Den (Terry Lovelace)We're looking for more stories! Send your Dead Letter to deadletteroffice@astonishinglegends.com!

Seven years ago last Tuesday, The Emerald podcast was born. This episode reflects on the journey of the podcast so far and gives hints of what's to come, all through the prism of the number 7, which is — to say the least — a mythically important number. The myths often iterate in cycles and families of seven—seven swans, seven dwarves, seven ravens, and seven gates of the underworld. In many traditions, seven represents the completion of a cycle and the beginning of a new one. In Ayurveda, in order for something to be fully embodied, it must pass through seven dhatus, or tissue layers. In many traditions, initiates pass through a journey of seven stages. This recurring 'journey through seven' is not just arbitrary, it is a reflection of nature itself, which often repeats in cycles of seven. The ancients saw seven at play in the architecture of the cosmos, in the musical scales and the spectrum of light and in a world that they saw as expressing through seven cosmic layers. The vision of seven as a number of threshold, passage, and reconnection can be understood through the numerical and geometric attributes of seven itself, which displays strange characteristics not found in any other number. Featuring Nivedita Gunturi singing the seven-note scale progressions of Hindustani and Carnatic music, and excerpts of beloved stories of seven, this episode is a celebration of seven years of The Emerald, and a preparation for what's to come. Support the show

Ephesians 4:25-27     Sermon Outline:    6-7-26     Sermon audio:    Track 1

In this episode, Dan and Lauren are back for Season 12 of The Leadership Educator Podcast. Before diving into the season, they catch listeners up on where they have been since May 2025 — what they have been working on, what they have published, and what is ahead. This season focuses on specific instructional strategies leadership educators use to facilitate learning across curricular and co-curricular spaces. Guests will discuss strategies such as reflection, community-engaged learning, teaching with film and media, team building, AI, and more. Updates and resources mentioned in this episode include: ----more---- Moving the Needle: What We Know and Don't Know About Developing Leaders – Rosch, Allen, & Jenkins (Emerald, 2025) Journal of Leadership Studies Special Symposia Issue on AI & Leadership (Vol. 18, No. 4) Jenkins, D. M., & Khanna, G. (2025). AI-Enhanced Training, Education, & Development: Exploration and Insights Into Generative AI's Role in Leadership Learning. Journal of Leadership Studies, 18(4). Jenkins, D. M., Cleverley-Thompson, S., Erikson, D., Blankenbaker, A., & Brown-Saracino, B. (2025). Prompting for Meaning: Exploring Generative AI Tools for Qualitative Data Analysis in Leadership Research. Journal of Leadership Studies, 19(3), 1–12. — grew out of The Power of Storytelling in Leadership Education with Dr. Shannon Cleverley-Thompson Devies, B., Bullock, L., Jenkins, D. M., Allen, S. J., & Stanberry, J. (2025). Sound Leadership: Harnessing the Power of Podcasts in Leadership Development. New Directions for Student Leadership. Bullock, L., & Jenkins, D. M. (2025). Coaching the next team: Mastering teaching, fundamentals, time management, and goal setting in youth sports. In E. Buschlen & A. DiOrio (Eds.), The Coach's Playbook: Becoming a Transformational Coach and Leader (Chap. 14). ICPEL Publishing. Bullock, L., & Jenkins, D. M. (in press). Generative leadership in the classroom for women and girls. In T. Swed & S. Wamble-King (Eds.), Global Generative Leadership: Lessons from Women's Leadership to Sustain Our Future. Emerald. Leaders in the Loop Podcast – supported by an ALE mini-grant ILA AI Summit – May 6–7, available on demand 8th Leadership Education Academy (LEA 2025) – ILA Association of Leadership Educators 2026 Conference – Philadelphia – registration open AiM Higher Delaware Conference Journal of Leadership Studies – Call for Editor-in-Chief Applications – deadline July 30 Service Learning in a Pandemic with Dr. Tara Coste – referenced in connection with Dan's South Africa Study Abroad program

Joerg Grossmann, hotel director for Emerald Kaia, talks with Alan Fine of Insider Travel Report about how the new Emerald Cruises yacht is designed for warm-weather sailings, small ports, marina access, local shopping and a more private-yacht feel. Grossmann also gives advisors a deck-by-deck tour covering the spa and marina, open galley, Night Market, observation lounge, open bridge, accommodations and more. For more information, visit www.emeraldcruises.com.  All our Insider Travel Report video interviews are archived and available on our Youtube channel  (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox. 

Finalmente chegou o momento de falarmos da 3ª geração de Pokémon, também conhecida como os jogos Ruby, Sapphire e Emerald. Nesse episódio fazemos uma "breve" análise da geração, debatendo sobre as novidades, a história, nossas memórias, erros e acertos, surpresas e possivelmente as discussões mais loucas que você já ouviu sobre essa que é considerada por muitos a melhor geração. Mas é mesmo? Confira!

It's a new month, which means it's time for new cocktails and a new birthstone. This month we delve into May's birthstone, diamond. Come and learn with all about this unique gemstone, its fun history and some cool science facts.Pour yourself a glass and learn along with us. And always remember to drink, and science, responsibly.Thirst for Knowledge is an Erevna Media and Science Actually production. Our audio engineer is Dimos Katsis. If you like us, please subscribe and leave a review

Librado Palomares, executive chef for Emerald Cruises, talks with Alan Fine of Insider Travel Report aboard Emerald Kaia on its inaugural cruise between Greece and Turkey about the yacht's three main dining venues—La Cucina, Solea Bistro and the eight-seat Night Market chef's table. Palomares also discusses rotating Asian, Filipino, Indian and Middle Eastern menus at the Night Market; destination-based ingredients; local shopping with guests; dietary requests; the open kitchen; and how guest feedback has shaped menus across the Emerald fleet. For more information, visit www.emeraldcruises.com.  All our Insider Travel Report video interviews are archived and available on our Youtube channel  (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox. 

With the huge news of TV-ASAHI and CyberAgent acquiring New Japan, two segments today covering this development that will shape Japanese professional wrestling for years to come. First, it's a crossover with the Super J-Cast with Joel joining Paul for a discussion of what this all means. Then Gerard gives his thoughts with what this means for All Japan and the wider world of puroresu.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

With the huge news of TV-ASAHI and CyberAgent acquiring New Japan, two segments today covering this development that will shape Japanese professional wrestling for years to come. First, it's a crossover with the Super J-Cast with Joel joining Paul for a discussion of what this all means. Then Gerard gives his thoughts with what this means for All Japan and the wider world of puroresu.

＊『急に具合が悪くなる』の制作での学びや経験＊世界をかたちづくる「言語」の不思議＊多緒の卒業、番組は7年目へ！　北海道増毛町で米づくりに奮闘するりりあん、南米ウルグアイで暮らす結花、フランスで撮影した映画がカンヌにてお披露目となる多緒。それぞれの近況を共有しながら、3人の気づきが交差する。番組は6周年を迎え、主宰の多緒は卒業へ。新しいかたちで7年目へと歩み出すEmerald Practicesもよろしくお願いします！　『急に具合が悪くなる』6月19日(金)公開https://www.bitters.co.jp/soudain/　ホスト：チームEmerald Practices　■岡本 多緒｜俳優　千葉県生まれ。14歳でファッションモデルを始め、2006年のパリコレクションより国内外に活動の場を広げる。2013年公開「ウルヴァリン：SAMURAI」でスクリーンデビュー。俳優業の傍ら、気候危機やアニマルライツの認識を高めるため2020年よりSNS上でEmerald Practices-エメラルド プラクティシズをローンチ。同年5月からポッドキャストの配信を始める。Instagram: @taookamoto　■小野 りりあん｜気候活動家/モデル　89年八戸生まれ札幌育ち。Spiral Club、Green TEA ~Team Environmental Activistsを共同設立。COP25マドリードへ飛行機に乗らずして目指す旅の実践から、Instagramにて気候変動情報＆アクションを発信。気候危機対策を求める[平和的ハンガーストライキを含むアクション]を2021年4月に友人eriと実践。Instagram: @_lillianono_ @green.tea.official　■大江 結花埼玉県出身、神奈川県藤沢市在住、ウルグアイ滞在中。会社員、環境NGOスタッフを経て、自治体から気候変動対策を進める活動の支援や、各地の気候市民会議のファシリテーション・運営に携わる。 市民による気候ムーブメントのエンパワメントや、学び・対話の場づくりを通じて、民主的なプロセスによる脱炭素社会の共創を目指して活動。菜食を楽しみながらリジェネラティブな食文化を探究中。趣味はお花と旅。Instagram: @yuika_emeraldpractices　----------この番組は、ソーラーシェアリングを推進する⁠⁠株式会社TERRA⁠⁠のスポンサードでお送りしています。

Tom Goetter, vice president of hotel operations for Emerald Cruises, talks with Alan Fine of Insider Travel Report aboard the new Emerald Kaia about the yacht's small-ship design, expanded outdoor spaces, open kitchens, larger spa, marina and 128-guest capacity. Goetter also discusses how crew from Scenic, Emerald's ultra-luxury sister brand, applied to work aboard Emerald Kaia, contributing to the ship's service levels as well as the line's focus on warm-weather yachting and what he calls “luxury with Aussie easiness.” For more information, visit www.emeraldcruises.com.  All our Insider Travel Report video interviews are archived and available on our Youtube channel  (youtube.com/insidertravelreport), and as podcasts with the same title on: Spotify, Pandora, Stitcher, PlayerFM, Listen Notes, Podchaser, TuneIn + Alexa, Podbean,  iHeartRadio,  Google, Amazon Music/Audible, Deezer, Podcast Addict, and iTunes Apple Podcasts, which supports Overcast, Pocket Cast, Castro and Castbox. 

In this powerful episode of The Sacred Travel Podcast, Julia welcomes back Nan Akasha for a deep conversation on Indigenous wisdom, sacred Earth medicine, ancestral remembrance, and the living intelligence of the land.The conversation weaves through the Rise of Ancestral Wisdom Traditions, Indigenous Lands around The Golden Triangle & Niagara, Earth Consciousness, Energetic Gridwork, Water & Fire Medicine, and the Phoenix Path of Transformation.

John Emerald Distilling Co (Opalika, AL) WF090 Let's cross the border, into the Central Time Zone, where we may or may not switch our clocks! Yup, that is how I roll sometimes. It's time to visit with Jimmy Sharp, co-founder of the John Emerald Distillery to talk about his journey from Montgomery to Scotland and back to the Alabama/Georgia border, where he brought American Single Malt to the area. We'll also talk about how he harvests his own sugarcane for his rum. Plus, there are travel tips, we'll taste several expressions, and talk about the distillery's Barrel Club and the source for some of those whiskeys. Also, if you're ready to start planning your distillery adventures for this summer, make sure to grab a copy of Whiskey Lore's Travel Guide to Experiencing American Whiskey - signed copies available for Father's Day at whiskeylore.org/shop (US only)

My Emerald is Very Powerful by Noah by 826 Valencia

In this bonus episode for Patreon subscribers, Emerald and Tom are joined by Chris Warren, union delegate and a convenor of the rank-and-file caucus Democracy For CPSU.Is reform of the public service union possible, or is it captured from within by the ALP? Why should Greens supporters join the cause? How did the unions become public enemy number one?---------- The show can only exist because of our wonderful Patreon subscriber’s support. Subscribe for $3/month to get access to our fortnightly subscriber-only full episode, and unlock our complete library of over NINETY past bonus episodes. https://www.patreon.com/SeriousDangerAU ---------- Join Democracy For CPSU - email democracy4cpsu@gmail.com Tom on tour!https://linktr.ee/tomballard Produced by Michael Griffinhttps://instagram.com/mikeskillz Follow us on https://twitter.com/SeriousDangerAU https://www.instagram.com/seriousdangerau https://www.tiktok.com/@seriousdangerauSupport the show: http://patreon.com/seriousdangerauSee omnystudio.com/listener for privacy information.

Ephesians 4:22-25     Sermon Outline:    5-24-26     Sermon audio:    5-24-26

Emerald Influence is back, with tales of Doomsday's first meeting with the Corps and Ollie's first meeting with Convergence Parallax! Then it's GL trailer talk and MORE! Be sure to email us your thoughts or call/text us on our voice-mail at 708-LANTERN.

Tom is away this week, so we have unlocked a recent favourite bonus episode for Patreon subscribers. We’ll be back with a new episode next week. Emerald and Tom are joined by Tom’s old Tonightly mate, Aussie comedy legend Greg Larsen!Why does life feel crazy these days? Did ASIO hide the truth about Greg Hunt and Chris Pyne getting porno-hacked? Did Geggy’s Patreon get cancelled? How could there be a Michael Jackson movie? And why will no one admit the secret brilliance of Pauline Hanson’s One Nation cartoons?---------- The show can only exist because of our wonderful Patreon subscriber’s support. Subscribe for $3/month to get access to our fortnightly subscriber-only full episode, and unlock our complete library of over NINETY past bonus episodes. https://www.patreon.com/SeriousDangerAU ----------Greg’s links and tour info and link to new special -https://linktr.ee/greglarsencomedian Tom on tour! -https://comedy.com.au/tour/tom-ballard Please Explain Season 4 Episode 1 -https://www.youtube.com/watch?v=5xDLO1SrkKI Tax the 1% -https://www.taxthe1percent.com.au/Produced by Michael Griffinhttps://instagram.com/mikeskillz Follow us on https://twitter.com/SeriousDangerAU https://www.instagram.com/seriousdangerau https://www.tiktok.com/@seriousdangerauSupport the show: http://patreon.com/seriousdangerauSee omnystudio.com/listener for privacy information.

Follow EMM everywhere  @EMMINREALLIFE  Join us on Patreon!: https://www.patreon.com/CCTVPOPSFollow us on social media: https://linktr.ee/cctvpopsGo check out Vizzcast in NYC for your podcasting, broadcast and content creation needs! Book at ⁠https://vizzcast.com⁠ EMM has spent a decade building one of the most ambitious independent pop universes out there!For this POP 101, Chantel Nicole is joined by recurring guest host Jasmine Stephen (producer at The Kelly Clarkson Show) for an in-person sit-down with self-made alt-pop visionary EMM, recorded in NYC the day of her Brooklyn stop on the Dumb World Tour. Over 200 million streams, 80 tour dates, four conceptual album eras, and zero major label calling the shots. EMM is the kind of artist the industry doesn't quite know how to categorize - and that's exactly the point.We take a guided tour through her universe: growing up in an evangelical household with classical-musician parents in Traverse City, Michigan, moving to NYC alone at 16, and building her 2016 debut Burning In The Dark from a North Hollywood apartment with nothing but a laptop, a mic, and a keyboard. Then the gemstone trilogy - EMERALD, RUBY, and SAPPHIRE - that built her independent empire chapter by chapter. And finally BLACK DIAMOND, the 2025 villain pivot where EMM stopped trying to please the industry and leaned all the way into feminist rage, John the Baptist imagery, and a pop universe the algorithm was never built for.References:“Freedom” MV https://www.youtube.com/watch?v=seBAAcEcp6U&pp=ygULZW1tIGZyZWVkb20%3D “END” MV https://youtu.be/WqH-G4D0LEk?si=mbO7OeCGNV6q2y_i “THANK YOU FOR RUINING MY LIFE” Visualizer https://www.youtube.com/watch?v=ibzBzS6_0OE&pp=ygUhZW1tIHRoYW5rIHlvdSBmb3IgcnVpbmluZyBteSBsaWZl “DUMB” Visualizer https://www.youtube.com/watch?v=IYRq_THhcuk&pp=ygUIZW1tIGR1bWLSBwkJBAsBhyohjO8%3D “EAT MY ACID” Visualizer https://www.youtube.com/watch?v=m9ttIDq-coE&pp=ygUPZW1tIGVhdCBteSBhY2lk “THANK YOU FOR RUINING MY LIFE” Cockroach Version https://www.youtube.com/watch?v=DoEMqTeSQTM&pp=ygUNZW1tIGNvY2tyb2FjaA%3D%3D

In this episode of The Sacred Travel Podcast, I'm joined by Laura Clark to journey into the Emerald Heart of Albion, the Celtic Rose lineage, and the mystical architecture woven through the lands of Scotland and the wider Celtic realms.Born in Argentina yet deeply called to Albion from childhood, Laura shares how the land itself became her initiator into enchantment, embodied mysticism, dragon consciousness, and the living frequencies carried within the Earth. What You'll Walk Away With:⚜️

Paul and Gerard and back to discuss the many ups and downs of Pro Wrestling NOAH where a great GHC Heavyweight Title match is overshadowed by questionable booking elsewhere on the card. Then it's on to All Japan to cover a great Champion Carnival finals show including an incredible performance by Go Shiozaki. Plus discussion of the upcoming Voices of Wrestling 30 Under 30 poll.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

＊米づくり2年生とウルグアイ1年生、成長や気づき＊「察する」「正直である」ってどういうこと？＊想像力と個人主義のバランス、「平和」か「変化」か？　北海道増毛町で米づくりに奮闘するりりあん、南米ウルグアイで暮らす結花、フランスで撮影した映画がカンヌにてお披露目となる多緒。それぞれの近況を共有しながら、3人の気づきが交差する。番組は6周年を迎え、主宰の多緒は卒業へ。新しいかたちで7年目へと歩み出すEmerald Practicesもよろしくお願いします！　ホスト：チームEmerald Practices　■岡本 多緒｜俳優 　千葉県生まれ。14歳でファッションモデルを始め、2006年のパリコレクションより国内外に活動の場を広げる。2013年公開「ウルヴァリン：SAMURAI」でスクリーンデビュー。俳優業の傍ら、気候危機やアニマルライツの認識を高めるため2020年よりSNS上でEmerald Practices-エメラルド プラクティシズをローンチ。同年5月からポッドキャストの配信を始める。Instagram: @taookamoto　■小野 りりあん｜気候活動家/モデル　89年八戸生まれ札幌育ち。Spiral Club、Green TEA ~Team Environmental Activistsを共同設立。COP25マドリードへ飛行機に乗らずして目指す旅の実践から、Instagramにて気候変動情報＆アクションを発信。気候危機対策を求める[平和的ハンガーストライキを含むアクション]を2021年4月に友人eriと実践。Instagram: @_lillianono_ @green.tea.official　■大江 結花埼玉県出身、神奈川県藤沢市在住、ウルグアイ滞在中。会社員、環境NGOスタッフを経て、自治体から気候変動対策を進める活動の支援や、各地の気候市民会議のファシリテーション・運営に携わる。 市民による気候ムーブメントのエンパワメントや、学び・対話の場づくりを通じて、民主的なプロセスによる脱炭素社会の共創を目指して活動。菜食を楽しみながらリジェネラティブな食文化を探究中。趣味はお花と旅。Instagram: @yuika_emeraldpractices　----------この番組は、ソーラーシェアリングを推進する⁠⁠株式会社TERRA⁠⁠のスポンサードでお送りしています。

Join Robyn and Colleen Benelli as they welcome back author and geologist Nicholas Pearson to explore the deep folklore of his newest book. Discover how humble stones like flint and salt have shaped human civilization and carry profound spiritual virtues. This conversation bridges the gap between scientific geology and soulful magic to help you connect with the wisdom held within the earth. In This Episode, You Will Learn: Discover the historical and metaphysical power of flint as a portal stone for transformation. Explore the alchemical journey of emeralds and their message of unconditional self love. Master the art of using salt for purification and understanding its role in human evolution. Release resistance by working with the dual energies of light and shadow found in amber and jet. Understand the planetary connection between lead and Saturn for justice and grounding. Mentioned in this Episode: The Witching Stones (Book by Nicholas Pearson) Crystals for Psychic Self-Defense (Book) The Seven Archetypal Stones (Book) Foundations of Reiki Ryojo (Book) Crystal Divination (Upcoming Book) Flint, Emerald, Lead, Salt, Amber, Jet Gillespie Museum at Stetson University  Theosophical Society in America Connect with Nicholas www.theluminouspearl.com www.instagram.com/theluminouspearl  www.linktr.ee/theluminouspearl  www.patreon.com/theluminouspearl  nicholas@theluminouspearl.com  Free webinar: Elements of Reiki: Introducing a Traditional Healing Art - Theosophical Society Workshop with TSA: Reiki Secrets Revealed: Traditional Techniques to Supercharge Your Healing Practice Shinpiden training: Usui Reiki Ryoho Shinpiden: 3rd Degree & Master/Teacher Training  Connect with Robyn and Colleen ReikiLifestyle.com  Reiki Classes All Levels of Reiki Training  Free Online Reiki Share:  Tuesdays from 9:30–11:00 am Pacific Time  Reiki Lifestyle Podcast  YouTube: Reiki Lifestyle Instagram: @reikilifestyleofficial  Email: info@reikilifestyle.com Free phone consultation: Love the Show? If this episode helped you on your journey, please Subscribe and leave a 5-star review on Apple Podcasts or Spotify. Your support helps us share the gift of Reiki with more people around the world!

Ephesians 4:17-21     Sermon Outline:    5-17-26     Sermon audio:    5-17-26

Choice Classic Radio presents Sherlock Holmes, featuring today's episode titled “The Adventure of the Elusive Emerald.” Please consider supporting our show by becoming a patron at http://choiceclassicradio.com We hope you enjoy the show!

Award winning songwriter Katie Greene is a Nashville based pop songstress whose music blends heartfelt storytelling with lush, melodic arrangements. With a voice both intimate and expansive, Katie has a well founded reputation in the music industry, with songwriting credits for multiple Indie artists, & amassing hundreds of thousands of plays across streaming platforms from her solo work, as well as her work with the groundbreaking Americana Trio, The Rebel Eves. Her content creation on Tik Tok has earned her a whopping 2 million views, capturing audiences with the vivid imagery in her songwriting & perspectives on current times. She has performed at venues such as the Bluebird Cafe, Third & Lindsley, and The Listening Room, sharing the stage with artists such as Ben Folds, Tony Arata, and Kim Richey and earning her spot on Nashville Songwriters Association's “Ones to Watch,” list. Katie Greene's upcoming debut album Emerald, is set to release song by song throughout 2026 as a meditation on the passing of time and the beauty in the people and seasons that shape us.https://www.katiegreenesongs.com/Theme song: “Hollywood Faded' by Luna Halo@treymitchellphotography @feeding_the_senses_unsensoredfacebook.com/profile.php?id=100074368084848www.threads.net/@treymitchellphotographyftsunashville@gmail.com

Brendan talks about how games end, and recommends five games with compelling endings. Join us, won't you?Skull King (2013)Arkham Horror: The Card Game (2016)Monikers (2015)Escape! The Curse of the Temple (2012)A Study in Emerald (2013)Honorable MentionsRes Arcana (2019)The Adventurers: The Pyramid of Horus (2011)QE (2019)What games do you think have good endings? Share your thoughts over on boardgamegeek in guild #3269.

Ephesians 4:13-16     Sermon Outline:    5-10-26     Sermon audio:    5-10-26

A lot to get to on this episode that starts off with Big Japan's largest show of the year and the crowning of a new champion. Speaking of new champions, there's also NOAH with some wild booking, great matches, and new champions. Then it's onto All Japan, which has exceeded everyone's expectations with a really fun Champion Carnival that had a dramatic final night of block action.Advertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Hey everyone and welcome back to another episode of The Board Boys Podcast!  On this 'sode we talk about Cthulhu: Dark Providence from CMON Games!  We are also joined by a special guest from Capital City Gaming Con, BB Dave!  He is here to talk all about the upcoming convention in October and the current Early Bird pricing as well as the new larger location.  So come out an chill at the Holidae Inn, as Chingy would say!  We also talk about some games we have been playing and deep dive into some comparisons between our main review and A Study in Emerald 1st and 2nd edition!  Until next time, I hope you like Board Games! 0:00 - Intro and CthulhuTalk 4:25 - Flip Voyage 7:35 - Waterworks 11:10 - War Room 13:24 - Imperial Borders 16:10 - Excalibur 18:54 - Purrramid 22:10 - Fest Season 23:30 - Lairs 26:25 - Capital City Gaming Con 2026 37:20 - Cthulhu: Dark Providence Overview 41:50 - Cthulhu: Dark Providence Review 1:13:40 - Bump or Dump - Men-Nefer 1:19:00 - Outro

Do you want to clearly express who you are, process your feelings and emotions, and be able to engage with the world in a way that is grounded but also clear, meaningful, and purposeful? This week, we move from the fluid, emotional depths of the sacral into the Heart Chakra—the sacred bridge between our physical reality and our highest consciousness. Right now, we are collectively being asked to move from the "Human Doing" back into the "Human Being." In this episode of Soul Sessions, Amanda explores how the heart is far more than just a center for kindness; it is an electromagnetic powerhouse and the gateway to 5th Dimensional energy. When we clear the heart, we stop living from our conditioning and start living from our essence, allowing manifestation to click into place with multi-dimensional speed. This episode explores: The Bridge Between Worlds: Understanding the heart as the meeting place between your lower physical chakras and your upper spiritual centers. The Paradox of Expansion: Why touching your deepest pain and suppressed sadness is the exact key to experiencing infinite love and oneness. Human Being vs. Human Doing: Shifting from the "administration" of your life to the legacy of your soul. Why are you really here? The DNA of the Heart: The physical connection between the heart’s anatomy, your DNA, and how breathing into your chest clears the pineal gland to activate intuition. Breaking Time and Space: How to recognize those "glitch in the matrix" moments of pure bliss where the 5D frequency takes over. Clearing the Log Jam: How to identify ancestral, karmic, and genetic conditioning that manifests as tension in the ribs, lungs, and thoracic spine. The Witness Effect: The science of "Paying it Forward" and why witnessing kindness provides a bigger energetic spike than even receiving it. WORK WITH THIS EPISODE For the next 7 days, focus on the bridge of your Heart Chakra: The 4-Second Inhalation: Inhale deeply through your nose for 4 seconds. Feel your chest expand and visualize your spinal fluid traveling from your sacrum up into your brain, washing your pineal gland and clearing the "log jam." Body Awareness: Notice any tightness in your intercostal muscles (between the ribs), shoulder blades, or chest. When you feel tension, acknowledge the emotion behind it—whether it’s sadness or joy—without bypassing it. Acts of High Frequency: Perform one random act of kindness with "no strings attached." Notice how the energetic exchange shifts your frequency and the frequency of those who witness it. Visualize Emerald Green: During your morning routine, envision a vibrant green light (Jade or Emerald) emanating from your chest, acting as a signal to the field that you are open to receive and ready to lead from love. Reclaim your agency and authority by standing in your truth—whether that is the weight of sadness or the radiance of joy. By refusing to bypass your emotions, you bridge the gap to the mystical and the otherworldly. Embrace your frequency, live it honestly, and watch how it transforms everything you touch! Additional Resources: Ready to go deeper? Join Amanda’s Conscious Community for May: The Frequency Field What Are The 6 Dimensions of Consciousness? (watch here) Root Chakra: Is It Anxiety or Activation? (watch here) Sacral Chakra: Are You Leaking Energy? (watch here) Solar Plexus: What Are You Unconsciously Broadcasting? (watch here) Host: Amanda Rieger Green Subscribe to Amanda's YouTube HERE! Follow Amanda on Instagram: @soulpathology Check out Amanda's Website: SoulPathology.com Send Amanda an Email: Podcast@soulsessions.meFollow Amanda on Instagram: https://www.instagram.com/soulpathology/See omnystudio.com/listener for privacy information.

Ephesians 4:7-12     Sermon Outline:    5-3-26     Sermon audio:  5-3-26

Tony Katz and Fingers Malloy pour Redwood Empire Emerald Giant Cask Strength Rye and revisit one of Fingers’ favorite pours, only to find the higher-proof version might be even more impressive. At 115.4 proof, this rye somehow drinks smooth, rich, and dangerously easy, with notes of brown sugar, baked goods, cinnamon, citrus, oak, and just enough spice to keep things interesting. The guys break down why it doesn’t drink like a traditional rye, whether that matters, and why this bottle absolutely earns a spot in the liquor cabinet -- even at around $74. Also in this Happy Hour episode: Tony and Fingers revisit the Espinosa Murcielago cigar, compare notes on its bold Mexican San Andrés profile, and talk through where it lands humidor-wise at about $11 a stick. Along the way, they get into breaking news about Iran and the Strait of Hormuz, gas-powered leaf blower bans, self-driving cars that apparently can’t avoid ducks, Lowe’s investing big in the skilled trades, and why the country may finally be waking up to the value of people who know how to work with their hands. Find everything at EatDrinkSmokeShow.com.See omnystudio.com/listener for privacy information.