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For the first time, the whole story of the last two years — told from the other side. In this episode: The heroine's journey — the map: the hero comes home with the treasure; the heroine realizes she is the treasure, and she is the home The launch that cracked it open: 21 yeses where 90 used to say yes — and the sentence that took over December 2024: the call that was harder than the breakup — and why it turned out to be the first brave decision of the rebirth THE VALUES AUDIT — five signs your season is a values change, not a collapse: (1) the wins land flat, (2) you're still funding your old self, (3) you envy the "wrong" people, (4) you keep changing the strategy but never question the goal, (5) "it's not working" has become a sentence instead of a fact Tonight's ten-minute exercise: your calendar + your bank statement — still, or was What ten days of silence in India returned — and what the new values are building now (new episodes every Tuesday and Friday, starting this week) Timestamps :  00:00 — Cold open: the training and the December call 03:57 — The heroine's journey: the map 05:57 — The empire years 08:19 — Values have seasons 09:21 — The whisper: "It's not working" 10:42 — Trying to fix it 12:22 — December 2024: the call 14:35 — "The first brave decision of the rebirth" 15:36 — It wasn't a failure — it was a values change 18:32 — Old strategies, new values 19:47 — The Paris apartment and the cabin 22:08 — The Values Audit: #1, the wins land flat 22:48 — #2, funding your old self 23:51 — #3, envying the wrong people 24:31 — #4, new strategy, same goal 26:27 — #5, a sentence, not a fact 27:24 — Tonight: calendar and bank statement 27:48 — India, Bali, the silence 30:07 — The return 31:57 — Money and meaning 34:02 — If you're in this season 35:54 — "You are the treasure"  

When you try to do one good thing...it ends up in disaster. This special is just proof. What we hoped to be a once in lifetime meaningful family outing turned into a disaster very fast. Nonetheless, I am happy to have at the very least monetized our misery. Comment down below your take on this situation, unless you have anything good to say about my husband. In that case, just keep quiet. Thank you to this week's sponsors: For a limited time, try OneSkin with 15% off using code ZARNA at https://www.oneskin.co/ZARNA. Head to https://www.zocdoc.comZARNA to get started and check that appointment off your to-do list!And before you go, text a question to 855-608-1717 on SMS or WhatsApp, for a chance to get a shoutout in the next episode! My very handsome son built this tool so I can learn more about all of you, so get texting! Learn more about your ad choices. Visit podcastchoices.com/adchoices

The Letter That Ended My Husban's Festival SmileBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

The Cycle That Ended When No Record RemainedBecome a supporter of this podcast: https://www.spreaker.com/podcast/dark-mysteries-unsolved-mysteries-forgotten-secrets-unanswered-questions--5684156/support.Darkest Mysteries Online

Trudie Mason is joined by Dan Delmar, Co-founder of the content marketing firm TNKR Media and co-host of the podcast Inspiring Entrepreneurs Canada, and Tasha Kheiriddin, a writer and commentator for the National Post, GZero Media, and Substack. WestJet and the union representing its 4,400 flight attendants have reached a tentative collective agreement, bringing an end to strike action and the operational disruptions that forced hundreds of flight cancellations over the long weekend. With four federal byelections coming up, NDP leader Avi Lewis is sticking to his guns and will not run in any of them until a full general election is called. There have been multiple antisemitic incidents that have occurred in the past seven days and officials are getting worried. Quebecor has installed heat and motion sensors beneath workstations at some of its offices to monitor how often desks are being used, a move the company says is intended to better manage office space.

The closely watched trial of Alan Jones is now underway with the veteran broadcaster accused of sexual assault.He dies all the charges and it's a judge alone trial, with evidence now being heard about alleged offences over a 17 year period.How did the once powerful media figure end up in court?

The Book Drive That Never Existed Ended My MarriageBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

The Hid More Than Inventory With Him Our Marriage Ended With the ShopBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

The Second Phone Bill Ended My Marriage's IllusionBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

Amy shares a story that she's never told before of an unexplained time where she ended up in a wheelchair and has no memory of it. We talked to the show member who left the group chat and found out the real reason why. We find out why their feelings were hurt and Bobby helps them work through it. It turns into a great moment of understanding. We also get some behind the scenes as Scuba Steve ranks each member of the show on who replies to the fastest. Number 1 was a shock to us all.See omnystudio.com/listener for privacy information.

Chris and Teresa’s date STARTED with bubble tea, and ENDED with him TACKLING her in public. He says it’s a good thing, we’ll let you decide coming up in your Second Date Update!See omnystudio.com/listener for privacy information.

On New Year's Eve 1843, Rhode Island's most powerful industrialist was found brutally beaten to death along the Pocasset River. His pockets were still full of cash, making one thing immediately clear: this wasn't robbery... it was revenge. What followed became one of the darkest chapters in American legal history, as prejudice, political influence, and a corrupt court system sent an innocent Irish immigrant to the gallows. Tonight, we unravel the murder of Amasa Sprague, the execution of John Gordon, and the wrongful conviction that ultimately led Rhode Island to abolish the death penalty forever.   HAH DISCORD - https://discord.com/invite/bJdbpH3hQm   YouTube - https://www.youtube.com/@HAHChris   TikTok - @hah_podcast   hauntedamericanhistory.com       Patreon- ⁠⁠⁠⁠⁠⁠https://www.patreon.com/hauntedamericanhistory⁠⁠⁠⁠⁠⁠   LINKS FOR MY DEBUT NOVEL, THE FORGOTTEN BOROUGH Barnes and Noble -   https://www.barnesandnoble.com/w/the-forgotten-borough-christopher-feinstein/1148274794?ean=9798319693334   AMAZON: https://www.amazon.com/dp/B0FQPQD68S Ebook   GOOGLE: https://play.google.com/store/books/details?id=S5WCEQAAQBAJ&pli=1       KOBO: https://www.kobo.com/us/en/ebook/the-forgotten-borough-2?sId=a10cf8af-5fbd-475e-97c4-76966ec87994&ssId=DX3jihH_5_2bUeP1xoje_       SMASHWORD: https://www.smashwords.com/books/view/1853316     !! DISTURB ME !! APPLE - https://podcasts.apple.com/us/podcast/disturb-me/id1841532090 SPOTIFY - https://open.spotify.com/show/3eFv2CKKGwdQa3X2CkwkZ5?si=faOUZ54fT_KG-BaZOBiTiQ   YOUTUBE - https://www.youtube.com/@DisturbMePodcast   www.disturbmepodcast.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

DL/STREAM: https://ellipticalsun.ffm.to/rntstne Elliptical Sun Recordings proudly welcomes back two of our most beloved family members, Rospy and Nestora, for their highly anticipated return to the label. We are absolutely thrilled to present their brand-new collaborative masterpiece, 'The Summer That Never Ended'.Blurring the lines between emotional melodic trance and driving progressive house, this track captures the pure, bittersweet essence of endless warm nights and sun-drenched horizons. Packed with radiant summer vibes, lush atmospheric pads, and a soaring, euphoric melody, 'The Summer That Never Ended' is a timeless seasonal anthem designed to keep the sun shining in your heart all year round.

You’re listening to American Ground Radio with Stephen Parr and Louis R. Avallone. This is the full show for July 30, 2026. We open with the Texas Senate race — where Democratic nominee James Tallarico released a polished campaign ad called Waking Up, featuring him driving a full-sized Dodge Ram 1500 through Texas oil fields and farm country. There's one problem: it's not his truck. Tallarico drives a Chevrolet Colorado, but its tinted windows made the interior too dark for filming, so his campaign rented the Dodge from a local company. We make the distinction between normal campaign staging and renting a persona — because the entire ad was designed to sell Tallarico as a natural extension of working Texans, and the truck was the centerpiece of that message. We also note that Republicans handed Democrats an opening by nominating Ken Paxton — damaged goods with a messy personal and political record — instead of Wesley Hunt, who would have won this race by a landslide. Texas Republicans got this one wrong. In our Top 3 Things You Need to Know, President Trump's Attorney General nominee Todd Blanch is in limbo after John Cornyn and Thom Tillis signaled they would not support him in the Senate Judiciary Committee — concerned about a proposed fund to compensate victims of political prosecution under Biden, including January 6th defendants, even after Blanch testified under oath the deal was dead. Trump is reportedly considering withdrawing the nomination until both senators leave office in January. Then the federal government demanded Colorado repay $8 million in Medicaid funds after an audit found the state had billed for services totaling more than 24 hours in a single day for the same patients — a mathematical impossibility. Colorado disagrees with the findings. And thousands of military-age North African men breached the border between Morocco and Spain at Ceuta — overwhelming local law enforcement, with at least nine people killed in the chaos. Spain's Supreme Court recently ruled that sea arrivals cannot be deported without due process hearings. Most of Spain's borders are water. We also cover the WNBA's latest self-inflicted embarrassment — the league itself posted and then deleted a video from All-Star Weekend showing Dallas Wings guard Paige Bueckers and Atlanta Dream forward Angel Reese apparently agreeing to a $400 bet on the outcome of a game between their own teams. The WNBA's own rulebook explicitly prohibits players from wagering on league games, with penalties ranging from fines to lifetime bans. We ask the obvious question: what are the odds that Angel Reese faces the same consequences Caitlin Clark and Sophie Cunningham would face in the same situation? Our American Mamas Teri Netterville and Kimberly Burleson respond to a listener question about the growing number of rules new parents are imposing on grandparents before they can see a newborn — mandatory vaccinations, isolation periods, mask requirements, no kissing — and trace it directly to the damage Anthony Fauci did to medical credibility during COVID. A generation raised on social media sees the exception, not the rule, and draws sweeping conclusions from rare worst-case scenarios. Teri's advice: get the vaccines with 50-year safety records, do your research on the newer ones, and for the love of everything good — let grandparents kiss the babies. We dig into a J7 report — tracking antisemitic violence in the seven countries with the largest Jewish populations outside Israel — which found that 2025 was the deadliest year for antisemitic attacks in the Western world since 1994. There were 23,000 antisemitic attacks in those seven countries last year alone, including 20 murders of Jewish people motivated by hatred of Jews — three in the United States. We trace the rise to mainstream media coverage of Israel's response to October 7th that portrayed military action against a terrorist organization as genocide — providing ideological cover for people who were already antisemitic to act. We also connect it to the intersectionality framework that positions whoever appears most oppressed as the default sympathetic party — a framework that simultaneously claims to support women, gay people, and Palestinians, without reckoning with the fact that none of those three positions are compatible with each other under Hamas governance. For our first Bright Spot, President Trump announced that Middle East mediators — including Egypt, Qatar, and Turkey — have reached an agreement on the complete disarmament of Hamas and other armed groups in Gaza, with a phased plan to rebuild Gaza, establish a new Palestinian government, and guarantee Israel's security. We call it what it is: not a ceasefire, not a pause, but a structured plan — and potentially the most significant Middle East development in a generation. For our second Bright Spot, the island nation of Micronesia — 75,000 people spread across 607 islands in the South Pacific — used to charge $65 per megabit per second per month for internet access because the government ran the only internet provider. When the government ended its monopoly and allowed private companies in — including Starlink — the price dropped 99% to 78 cents per megabit and internet access jumped from nearly nothing to 88% of the population. All they did was end the government monopoly. We connect it directly to New York City's government grocery store plan — and suggest Mamdani study Micronesia before he opens his first store. We also cover New York City bodegas allegedly allowing customers to use EBT food stamp cards to purchase kratom — an herbal extract not approved as food, a drug, or a dietary supplement — and potentially THC products. We call it what it is: SNAP trafficking, a federal crime that diverts money intended for nutrition into products that have nothing to do with nutrition. We also note that families of 9/11 victims are asking organizers of the 25th anniversary Ground Zero memorial to bar Mayor Mamdani from attending — citing his political positions, his anti-Semitic endorsements, and his statement during his campaign that the worst thing about 9/11 was that his aunt feared people were looking at her suspiciously. We say that day belongs to the families and to the fallen — and that Mamdani would be a distraction from both. And we close with 73-year-old Dave Whitlow of Richmond, Virginia — who has spent eight years volunteering twice a week at the Children's Hospital of Richmond as a professional cuddler of premature babies. On busy days he holds eight different babies, some weighing less than two pounds, giving them the human contact their developing systems need. As he places each one back into their NICU bed, he tells them the same thing: grow strong, grow smart, grow kind. May your pursuit of happiness bring you joy. Listen now wherever you get your podcasts, visit AmericanGroundRadio.com, and join the conversation at 866-AGR-1776!See omnystudio.com/listener for privacy information.

Wandering Works for Us PodcastDate: 1 August 2026Title: York & Corbridge, UK: Ghosts, Vikings, and the Wall That Ended Our England LegSummary of EpisodeYork earns the title of favorite city on the trip: walkable, atmospheric, and layered with Viking, medieval, and LGBTQ+ history. We cover the Shambles and its Harry Potter branding, the Jorvik Viking Centre's ride-through experience (built on the actual Coppergate dig), a haunted pub crawl at the Black Swan, a walk on the city walls at sunset, and the Holy Trinity Church plaque marking Anne Lister and Ann Walker's 1834 union. We're honest about regretting skipping York Minster. From there, we head to Corbridge for one final England stop — reuniting with an old friend, visiting Corbridge Roman Town, and touring Hadrian's Wall — before the coastal drive north to Edinburgh closes out the England chapter of the trip.Key Topics[03:25] The Shambles and its Harry Potter-themed shops[06:10]  The butterbeer verdict (get it for the show, not the taste)[11:00]   Holy Trinity Church, Goodramgate — Anne Lister and Ann Walker[13:00]  The Black Swan and York's haunted-pub reputation[13:30]  Walking York's city walls at sunset[15:00]  Where we ate in York (Côte York, The Fat Badger, Kalpakavadi)[16:35]  Jorvik Viking Centre: the Coppergate dig and the immersive ride experience[23:50] York Minster — the one we regret skipping[26:00] Corbridge and the Golden Lion Inn[26:30] Corbridge Roman Town and its museum[27:40] Reconnecting with an old friend for a personal tour of Hadrian's Wall[29:00]  The coastal drive north to EdinburghImportant Links To follow all of our antics and adventures, please visit our social media pages and our website at wwforus.com! You can send us a message at any of these places, and feel free to email us at wandering@wwforus.comLike what we are doing? Buy us a gin and tonic and help us keep going!InstagramFacebookTiktokYouTubeLooking for a tour guide in Portugal? I have a whole list!Blog post for this episode: Things to Do in York: Vikings, City Walls, and a Butter Beer we wouldn't order again.RESOURCES & LINKSLooking to plan your next trip to Portugal? We can help! Check out our guides and Itineraries at wwforus.comFree Lisbon ItineraryPacking ListEssentials for every tripRenting a car in PortugalLooking for a tour guide in Portugal? I have a whole list!**Wandering Works for Us contains affiliate links and is part of Viator, Get Your Guide, Booking.com, TripAdvisor, Expedia, Awin,  and Amazon Services Associates Program LLC. If you make a purchase using one of the links, I may make a small commission at no extra cost to you.Support this podcast at — https://redcircle.com/wandering-works-for-us/donations

The Garden Notes That Ended Our MarriageNEW PODCAST ALERT!

Day 3 testimony was from 1st responders, firefighters, EMT's, Paramedics, and police officers who were on scene first as the chaos unfolded. Tomorrow the jury will go to the house and testimony will resume once they return to court. Become a supporter of this podcast: https://www.spreaker.com/podcast/pretty-lies-and-alibis--4447192/support.ALL MERCH 10% off with code Sherlock10 at checkout  - NEW STYLES Donate: (Thank you for your support! Couldn't do what I love without all y'all) PayPal - paypal.com/paypalme/prettyliesandalibisVenmo - @prettyliesalibisBuy Me A Coffee - https://www.buymeacoffee.com/prettyliesrCash App- PrettyliesandalibisAll links: https://linktr.ee/prettyliesandalibisMerch: prettyliesandalibis.myshopify.comPatreon: https://www.patreon.com/PrettyLiesAndAlibis(Weekly lives and private message board)

The uniforms have changed. The technology has evolved. But the mission remains the same: protect power through fear and intimidation…See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

With our new abilities and upgrades, we take this episode to go and explore some of Termina and see how we can help the inhabitants in so many ways. Thanks to Mikel for use of their music on the show. Be sure to check out their Zelda and Chill series and many other great lo-fi cover albums:https://mikelbeats.com/zelda-and-chill/-----Join our Discord to chat with us and talk about all things Zelda: https://discord.gg/b6Y7a9TxWW-----Check out our editor, Haunted's other work over on That's Effin Weird: https://youtube.com/@thatseffinweird?si=gGewIFjWMsFYqpDkFollow Pete over at NewFriendPlus for some fun streams and more:Youtube: https://youtube.com/@newfriendplus?si=8Y9n7oRFGbLJFP1GTwitch: https://twitch.tv/newfriendplusCheck out Celeste's work on Read Only Magazine: https://www.readonlymagazine.comAnd find her on socials:Bluesky:https://bsky.app/profile/faeriecrypt.bsky.socialInstagam: https://www.instagram.com/faeriecrypt/Twitter: https://x.com/faeriecrypt

The New York Knicks finally did it — ending a 53-year championship drought — and Hoopsology sat down with New York Post Sports anchor and "New York's Got Game" host Dexter Henry to capture what this moment truly means for the city and its fans. In this episode, Dexter takes us inside the emotional whirlwind of the night the Knicks clinched the title, sharing a deeply personal story about thinking of his late parents and the memories tied to a lifetime of Knicks fandom. He and hosts Justin Goodrum and Alan Munzer dig into why the Knicks feel different from every other New York sports team, why this fanbase is uniquely tied to the identity of the city, and how the drought made this championship hit even harder for longtime fans. The conversation goes beyond the basketball to explore the socioeconomics of sports fandom — from insane finals ticket prices (one fan turned down nearly $20,000 to keep his seats) to the growing gap between die-hard fans and the corporate crowd now filling arenas. Dexter also shares an unforgettable story from a Pistons game in Detroit that reframed how he thinks about access to live sports. Finally, Dexter gives a firsthand account of the historic championship parade — the first in Knicks franchise history — describing the electric energy of nearly three million fans packed into the Canyon of Heroes, Knicks legends riding through the streets, and a city that came to a complete standstill in celebration. This is a must-watch for any Knicks fan, longtime NBA follower, or anyone who's ever understood what it means to wait a lifetime for a championship.

Download your free Painter Growth training here: https://learn.paintergrowth.com/grow-v1?utm_source=youtube&utm_medium=social&utm_campaign=grow-v1If you're new here, my name is Mike Gore-Hickman. I'm the founder of Painter Growth, a coaching company that helps painting contractors build real businesses instead of just running jobs.We've worked with over 1,500 painting contractors. Our clients range from guys doing $300K a year to teams pushing past $5M. Our coaches are real painting business owners who built seven-figure companies themselves. Not theory guys.Here's how I got here.Early 20s: Running my own painting business. Couldn't close jobs. Underbidding everything. Painters showed up stoned. Spilled paint on driveways. Painted houses the wrong color. I fell off a ladder. Ended my first year with a $20,000 tax bill I couldn't pay.Still early 20s: Almost quit. Didn't. Got obsessed with systems, sales, and getting help. I hired my first business coach, fixed the chaos & hit over $200K a month in sales before I turned 24.Mid-20s: Followed my girlfriend (now wife) to a new city. Shut the painting business down. Took a job in SaaS. Spent five years helping grow a software company from scratch to nearly $10M a year. That's where I learned how to build and scale an online business.During COVID: My two worlds collided. Running a painting business plus scaling software companies. I launched a side hustle that pulled both together. It became Painter Growth.October 2021: Launched with an MVP and $10 a day in Facebook ads. No money. No clients. No connections.End of 2021: Signed my first 10 clients. Eight got massive results. That was all the proof I needed.Late 2022: Brought on Jesse, my partner and CFO. Hired our first coach and first VA. Reinvested everything back into the business.2023 and beyond: Built a team of nearly 50, including seven-figure painting business owners coaching full time.We became an official Sherwin-Williams partner and we're the exclusive coaching program referred by them.We we're named PCA 2026 Partner of the Year.You don't need to be a good painter to build a great painting business. You need to be a good business owner who hires good painters. Most contractors never make that switch. We help them make it.What I'm focused on right now: AI and systems. We're building AI-powered tools inside Painter Growth, including a bookkeeping assistant and a proposal generator. The contractors who figure this out early are going to pull ahead.I'm still building. Still figuring things out. But I'm doing it alongside 1,500 contractors who are all in the middle of their own fight to build something real.If you're in that fight, you're in the right place.Never quit,MikeGet a FREE Painting Business Growth Session. In 30 minutes, we'll build you a custom plan to grow → https://learn.paintergrowth.com/book-your-call-1?utm_source=youtube&utm_medium=social&utm_campaign=booking*Painter Growth content is for educational purposes only. Results vary. Individual outcomes depend on the effort, situation, and decisions of each business owner.*

Every stone has a story to tell! What seems like a lifeless stone might be a chunk of a huge asteroid that flew by centuries ago... or even a piece of planet that existed before Earth was born! Next time you see a stone, pay attention - it might have some mysterious background. Here're 8 incredible stones discoveries. Learn more about your ad choices. Visit megaphone.fm/adchoices

This isn't one of my usual stories or episodes – but it is still terrifying (to me, at least). Over the weekend, a devastating cyberattack locked me out of my Google account, YouTube channels, Dropbox, and many of the tools I rely on to produce Weird Darkness. For several days, I genuinely didn't know if the show would survive.In this special emergency update, I explain what happened, why new episodes suddenly stopped, what became of the YouTube channels, where things stand now, and why this has been one of the darkest weeks of my life—both professionally and personally.The good news? Weird Darkness is still here.Thank you for your patience, your encouragement, and your prayers. It means more than you know.Listen and subscribe at: https://WeirdDarkness.com

This episode features "Our Revels Now Are Ended" written by Thomas Ha. Published in the July 2026 issue of Clarkesworld Magazine and read by Kate Baker. The text version of this story can be found at: https://clarkesworldmagazine.com/ha_07_26 Support us on Patreon at https://www.patreon.com/clarkesworld/membership

On this week's Vogue & Amber: Spencer's hospital sunburn story, what we know about Harry Styles and Zoe Kravitz' wedding, sun bed gate on holiday, the origin of the word "hangover", and a listener who wants to contact her ex after 5 months for a €100 frying pan.Plus, the kids were so horrific yesterday that Vogue cried twice, Amber stormed off, and they've now been left in camp until 5pm. Sandra gives her hot take on parent guilt, the rest of the lowdown from Ibiza and Vogue's fear of death has passed onto Theodore!Vogue & Amber is a Global production, available every Tuesday and Thursday on Global Player, YouTube or wherever you get your shows. Make sure you subscribe so you never miss an episode.Watch us on YouTube! CLICK HERE! or search Vogue & AmberRemember, if you want to get involved you can:Email us at vogueandamberpod@global.com OR find us on socials @voguewilliams, @ambrerosolero @vogueandamberpod

LOUNGE LIZARDS PRESENTED BY FABRICA5 - Brilliant Honduran Cigars - Visit Fabrica005.com and use code LIZARDPOD at checkout for 10% off THE ENTIRE STORE! Free worldwide shipping from Miami on all orders over $125. See website for more information and terms.SMALL BATCH CIGAR - SAVE 15% - Exclusive Cigar Retail Partner of the Lizards - Visit SmallBatchCigar.com and use code LIZARD15 for 15% off your order. Free shipping and 5% rewards back always. Standard exclusions apply. Simple. Fast. Small Batch Cigar.Recorded at Ten86 Cigars in Hawthorne, New Jersey, the Lizards pair Quai d'Orsay Coronas Claro (UBL MAR 22) with 123 Organic Tequila Reposado Dos. The guys saber Pol Roger champagne for two Lizard birthdays, they discuss the future of Cuban tobacco and the global supply/demand issues and they are shocked to learn that Lizard X's wife angrily returned to the lounge.PLUS: Has the Golden Age of Cuban Tobacco Ended?, Body vs. Strength vs. Flavor, Why Cuban Blends Change, The Lizard X Files: Lounge Etiquette, Lizard's Cuban Prognostications, Is a European Non-Cuban Cigar Boom Coming?, New French Bolivar R.E. & MoreJoin the Lounge Lizards for a weekly discussion on all things cigars (both Cuban and non-Cuban), whiskey, food, travel, life and work. This is your formal invitation to join us in a relaxing discussion amongst friends and become a card-carrying Lounge Lizard yourself. This is not your typical cigar podcast. We're a group of friends who love sharing cigars, whiskey and a good laugh.website/merch/rating archive: loungelizardspod.comemail: hello@loungelizardspod.com to join the conversation and be featured on an upcoming episode!instagram: @loungelizardspodGizmo HQ: LizardGizmo.com

The Gold-Edged Envelope That Ended Fourteen YearsBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

See omnystudio.com/listener for privacy information.

Pool fragments on a dead girl's leggings. That's the evidence that came out of Day 3 of the d4vd preliminary hearing in Los Angeles, and it draws a direct forensic line between the Hollywood Hills garage where prosecutors allege David Anthony Burke dismembered fourteen-year-old Celeste Rivas Hernandez and the clothing found with her remains.LAPD trace analyst Lisa LaHendro testified that a blue inflatable kiddie pool in the garage had deliberate cuts — "scalloped and straight" — made with a sharp tool. The fragments removed from those cuts were recovered from Celeste's leggings. Criminalist Samantha Tosch testified the DNA matched. Criminalist Lauren Wallace found cleaned-up blood throughout the garage. And jugs of fake blood were sitting in the same space — the defense says music videos; the prosecution points to the real blood scrubbed from surfaces feet away.Blair Berk, Burke's defense attorney, spent her cross-examination asking what police didn't test. Chainsaw handles were never swabbed for DNA. The Tesla exterior was never tested. Multiple people lived in the house. Berk is building toward an alternative theory. But Detective William Roecker's cell tower testimony tracked Burke's Tesla and phone to Santa Barbara County three times — starting on the night Celeste allegedly died. Her passport card was found along that same highway corridor.The hearing continues. Burke has pleaded not guilty to first-degree murder with special circumstances and other charges. Celeste was fourteen years old when she went to his home and was never heard from again.END_LINKS:Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodDisclaimer:This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.Hashtags:#D4vd #CelesteRivas #HiddenKillers #TrueCrime #PreliminaryHearing #CelesteRivasHernandez #DavidBurke #LACounty #JusticeForCeleste #TrueCrimeCommunity

SpaceTime Series 29 Episode 89 A lucky 13th test flight for the world's biggest rocket The world's largest and most powerful rocket has successfully launched on its latest test flight bringing it a step closer to NASA's Artemis program's aim of returning humans to the lunar surface, and eventually on to Mars and beyond. Scientists identify the asteroid that killed the dinosaurs A new study has determined that the asteroid which slammed into the Earth 66 million years ago wiping out over 75 percent of all life on the planet including all the non-avian dinosaurs was most likely a rare CO type carbonaceous chondrite. SpaceX rocket about to crash into the Moon The spent upper stage of a SpaceX Falcon 9 rocket is about to slam into the visible side of the Moon, providing scientists with a new method of pinpointing exactly where objects strike the Moon, data that could help prepare for future lunar seismic experiments. The Science Report Warnings that a third of all heart related deaths due to ultra processed foods. New data suggests fewer people in Australia are now smoking. Scientists have identified high levels of vehicle tyre dust on local Brisbane balconies. Iran continuing its nuclear weapons program in a complex deep below Pickaxe Mountain. Skeptics guide to fake news click bait. Our regular guests: Alex Zaharov-Reutt from techadvice.life Tim Mendham from Australian Skeptics  

This episode is sponsored by TRAUMA-CONSCIOUS LIFE COACHING WITH GENA CAMBELL: You're not just holding space for yourself , you're stepping into your strength. This is where healing meets intention, and where women rise together. What happens when someone says they want change, but decides they are not willing to look at what is keeping them stuck? In this episode, I share one of the hardest decisions I have had to make as a coach and the lesson it reinforced: growth requires more than information, strategy, or support. It requires honesty, curiosity, and a willingness to do the work. I also share three simple questions you can ask yourself every day: What worked? What did not work? What am I willing to try next? You do not need to have everything figured out. But you do have to be willing to look, learn, and take the next step.

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The Thank-You Notes in His Work Bag Ended My MarriageBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

In November 1988, roughly 80 Sri Lankan Tamil mercenaries from PLOTE seized key points in the Maldivian capital and tried to overthrow President Maumoon Abdul Gayoom. India answered the distress call within hours, launching a long-range airborne intervention by the 50th Independent Parachute Brigade—primarily 6 Para—across more than 2,000 kilometers with almost no prior intelligence. The result was a textbook strategic airlift and rapid special forces-style seizure of the airfield and capital that restored the government with near-zero Indian casualties.

Lindsay Clancy called a suicide hotline before she killed her three children in Duxbury, Massachusetts, and was told she didn't qualify for help because she didn't have a plan. That single phone call sits at the center of the trial now underway in Plymouth. Both sides agree Cora, Dawson, and Callan died at her hands. The only open question is criminal responsibility.  Tony Brueski is joined by psychotherapist Shavaun Scott, author of Night Bird, to walk through everything that led to that call and everything that came after it. Lindsay's providers had documented intrusive thoughts around the same time she was reportedly describing a commanding voice telling her to harm Cora, Dawson, and Callan — a distinction Shavaun says the treatment team never fully reckoned with. A forensic evaluation eventually diagnosed Bipolar I, a diagnosis her providers had floated but never locked in while it mattered.  In the four months before the killings, Lindsay was prescribed thirteen different medications. Her husband, Patrick, warned providers directly that she was unrecognizable on Seroquel and asked them to stop. Instead of pulling back, they raised the dose. She checked into McLean Hospital on New Year's Eve and sat for three days before a doctor examined her. Five providers passed through her care, and the lawsuit alleges none of them ever compared notes.  Shavaun explains how a hotline screening script can miss a woman in active crisis, why revolving prescriptions without coordination make a bad diagnosis worse, and what should have happened differently the moment Patrick raised the alarm. This is the treatment record the jury in Plymouth is now being asked to weigh. Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePod This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice. #LindsayClancy #ShavaunScott #HiddenKillers #TrueCrime #PostpartumPsychosis #DuxburyMA #MurderTrial #MentalHealthFailure #Polypharmacy #TrueCrimeYouTube 

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In today's Reddit story, OP's best friend is not happy with OP as she got pregnant during the year of her wedding...00:00 Intro00:19 Story 1 u/PersonalityNo253611:47 Comments18:42 Update21:40 Comments24:09 Story 228:59 Outro Hosted on Acast. See acast.com/privacy for more information.

The Letters Hidden in His Italy Box Ended Our MarriageBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

The Pancake Rituals Ended Before the Marriage DidBecome a supporter of this podcast: https://www.spreaker.com/podcast/cheating-all-the-time-cheat-stories--5689182/support.

A 19-year-old student joins the livestream to challenge Marquett's views on relationships, gender dynamics, and his comments about resource extraction in dating. What begins as a civil disagreement quickly turns into a heated exchange over logic, experience, accountability, and debate strategy.Throughout the conversation, Marquett questions her reasoning, challenges her assumptions, and argues that strong families require purpose, leadership, and personal responsibility—not emotional arguments.In this debate:* Why Marquett says families are the foundation of civilization* The debate over women, resources, and relationship dynamics* Should age, experience, and accomplishments matter in debate?* Character vs. arguments—what should actually be judged?* Logic, emotion, and accountability in modern discussions* Why the debate ends before the original topic is fully addressedWhether you agree or disagree, this exchange raises important questions about debate, persuasion, and how ideas are challenged in public conversations.What do you think?Did Marquett make stronger arguments, or did the conversation lose focus before the main issue could be fully debated?Leave your thoughts below and keep the discussion respectful.⸻

The media is crowing about the success of The Odyssey and claiming that it singlehandedly walked back "Go Woke Go Broke" ... or something. Oh, and also we have to bring up The Last Jedi and Kelly Marie Tran TEN YEARS LATER. Watch the podcast episodes on YouTube and all major podcast hosts including Spotify. CLOWNFISH TV is an independent, opinionated news and commentary podcast that covers Entertainment and Tech from a consumer's point of view. We talk about Gaming, Comics, Anime, TV, Movies, Animation and more. Hosted by Kneon and Geeky Sparkles. Get more news, views and reviews on Clownfish TV News - https://more.clownfishtv.com/ On YouTube - https://www.youtube.com/c/ClownfishTV On Spotify - https://open.spotify.com/show/4Tu83D1NcCmh7K1zHIedvg On Apple Podcasts - https://podcasts.apple.com/us/podcast/clownfish-tv-audio-edition/id1726838629 MORE CLOWNFISH TV - Official Merch Store: http://ClownfishMinus.com Facebook - https://facebook.com/ClownfishTV X - https://x.com/ClownfishTVcom Clownfish TV subreddit: https://www.reddit.com/r/ClownfishTVOfficial/ Disclaimer: This series is produced by Clownfish Studios and WebReef Media, and is part of ClownfishTV.com. Opinions expressed by our contributors do not necessarily reflect the views of our guests, affiliates, sponsors, or advertisers. ClownfishTV.com is an unofficial news source and has no connection to any company that we may cover. This channel and website and the content made available through this site are for educational, entertainment and informational purposes only. These so-called “fair uses” are permitted even if the use of the work would otherwise be infringing. #TheOdyssey #Movies #Podcast #Commentary #News #Reaction #Gaming #Comedy #Entertainment #Hollywood #PopCulture #Tech #Anime #FYP Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

I binged for over 10 years. Fine all day, out of control at night, promising myself Monday would be different — the exact cycle so many of you are living right now.In this episode of Dieting From The Inside Out, I'm breaking down what actually ended it. It wasn't more willpower and it wasn't a stricter plan — it was fixing what was running underneath the binges. I'll walk you through the subconscious patterns that kept me stuck, how I reprogrammed them, and what that means for you if eating feels impossible some nights.‣ Apply to Join Dieting From The Inside Out Here: https://inquire.hamiltontrained.com?utm_source=podcast‣ Grab the Food Noise Solution Guide Here: https://inquire.hamiltontrained.com/food-noise?utm_source=podcast

**Episode #1261 – The Clay Edwards Show with Creston Berch** More testosterone for your morning drive. Clay and Creston Berch open with steak talk (patio cuts vs. ribeye, air-fryer cubes, meal prep, and a shout-out to Grills of Mississippi for getting the pellet smoker fixed), then hit the 39th annual Mississippi Wildlife Extravaganza in Pearl this weekend—kids free, adults $10 throwback pricing—while noting the competing event at the fairgrounds and the old backwater/pump rift that caused the split. They dig into the data-center push around Jackson and Lake Hico: the deal is done, the six-month “moratorium” is about minority set-asides and political cutouts, electrical and HVAC trades are about to cash in for years, and Fred Shanks nails the real choice—American control of the AI race or Chinese control. No conspiracy required. Main segment: Sophie Cunningham's ESPN interview standing up for biological women and girls in sports, the quiet history of a female-to-male player already in the WNBA, Brittney Griner speculation, Magic Johnson's son as the ultimate “what if,” and why Clay thinks the league that pushed every social-justice fad deserves the FAFO of actual men taking roster spots. Bonus: the USA Today columnist who dragged Emmett Till into a Caitlin Clark complaint and had to walk it back. Derek calls in on the Nolan Wells case—boat culture, bilge pumps, planing out, and why people who've never been on a small pleasure boat keep spreading nonsense. Quick recommendation for Chris Williamson's interview with Annie Jacobsen on the first six days of a bioweapon outbreak. Berry's Seafood ends its free birthday buffet (culture and tipping are the reason). Closing open-mic on Black Lives Matter's “Black people are tired” post—wrong answers only—plus the usual culture-rot notes on public-space respect, speaker-phone etiquette, and why claiming everything is racism means nothing is.

Digital privacy expert with Privacy Bee Harry Maugans joins the Lisa Dent Show to discuss how OpenAI, creator of ChatGPT, stated that their AI technology acted on its own and proceeded to hack another company. Harry wants to let listeners know that while the incident itself still isn’t good, its portrayal has been exaggerated slightly. He goes […]

Matt Kilgroe — President & CEO, Cyndeo Wealth Partners Matt Kilgroe shares how Cyndeo Wealth Partners grew from a newly launched $1.2B RIA to a $3.5B enterprise, and why the next challenge isn't independence, but building a firm capable of reaching $25B.  In Summary Five years after launching Cyndeo Wealth Partners from UBS, Matt Kilgroe returns to the podcast to discuss what happens after independence. Rather than focusing on the transition itself, Louis and Matt explore the next phase of growth: scaling an advisory business, attracting talent, developing niche expertise, taking on outside capital, and building an enterprise designed to last. Along the way, Matt shares how Cyndeo expanded from $1.2B to $3.5B, why serving professional athletes required a different business model, and what led the firm to partner with Rise Growth Partners as it looks toward a $25B future.  The Storyline For many advisors, independence is viewed as the finish line. For Matt Kilgroe, it became the starting point. When Cyndeo Wealth Partners launched in 2020, the goal wasn't simply to leave the wirehouse behind. It was to build a business with the flexibility to grow in ways that simply weren't possible before. Five years later, that vision has evolved into something much larger. Cyndeo has nearly tripled in size, expanded its niche serving professional athletes and entertainers, recruited advisors, added specialized operational talent, and recently welcomed Rise Growth Partners as a minority investor to help accelerate its next phase of growth. The conversation explores what changes when firm leaders stop thinking like advisors managing successful practices and begin thinking like CEOs building enduring enterprises. The discussion spans succession planning, capital strategy, recruiting, organizational design, and the mindset required to scale from billions to tens of billions—all while remaining focused on clients and culture.  Topics Covered Building an enterprise beyond independence Scaling from $1.2B to $3.5B in assets Organic growth versus recruiting Serving professional athletes and entertainers Why fiduciary independence matters for niche client segments Building operational infrastructure for growth Partnering with Dynasty Financial Partners Minority capital and Rise Growth Partners Succession planning and employee ownership Thinking from $3.5B to $25B > Download a transcript of this episode… Listen and Learn Highlights for Advisors What did Matt learn after transitioning nearly 98% of his clients? (06:20) Why client relationships—not firm logos—proved to be the firm's greatest asset during one of the most challenging transitions imaginable. How did Cyndeo nearly triple in size in five years? (16:10) Matt discusses the combination of niche specialization, disciplined organic growth, recruiting, and operational investment that fueled the firm's expansion. Why has Cyndeo become a destination for professional athletes? (17:15) The conversation explores how deep industry expertise, fiduciary flexibility, and specialized service created a business that would have been difficult to build inside a wirehouse. Why bring on a minority capital partner when the business was already thriving? (24:15) Matt explains why succession planning, future recruiting, and long-term enterprise growth made outside capital the right decision. How should advisors think about ownership versus compensation? (35:40) A candid discussion about enterprise value, equity, and why many advisors underestimate the long-term economics of ownership. What does it actually take to scale toward $25B? (42:20) From hiring executive talent to expanding geographically, Matt shares how he's thinking about the next chapter of Cyndeo's evolution. Key Takeaways Independence creates opportunities that extend well beyond higher payouts, including enterprise value, recruiting flexibility, and ownership. Scaling a business requires investing in operational leadership, not just adding advisors. Specialized client niches demand expertise that goes well beyond investment management. Outside capital can accelerate growth when it's aligned with long-term strategy rather than an exit. Building an enduring enterprise requires thinking differently about succession, talent, governance, and equity. https://youtu.be/WRYJd9Lkt7o Quotable Moments “Don't rent your practice. Own it.” “You can't work in those niches and not be a fiduciary.” “We're not done.” “The road from $3B to $25B is going to really compound on your equity.”  FAQs Why did Cyndeo decide to take on a minority capital partner? To support its next phase of growth, strengthen succession planning, recruit additional talent, and benefit from the experience of leaders who have successfully scaled wealth management businesses before. How did Cyndeo grow from $1.2B to $3.5B? Through a combination of consistent organic growth, specialized client niches, advisor recruiting, and investments in operational infrastructure. Why is serving professional athletes or other niche client segments different from serving traditional wealth clients? Niche client segments often face unique financial decisions involving private investments, business opportunities, and career transitions that require specialized knowledge and a fiduciary framework. What advantages did independence create that weren't available inside a wirehouse? Matt points to greater flexibility around private investments, the ability to build specialized client experiences, reward employees with equity, and create an enterprise with lasting value. How should advisors think about building versus joining an independent firm? The discussion highlights the tradeoffs between creating your own firm and joining an established independent enterprise, emphasizing that ownership and long-term equity often matter more than headline payouts. What does Matt believe is required to build a $25B firm? A willingness to invest beyond advisors alone, adding executive leadership, expanding geographically, recruiting strategically, and maintaining a long-term enterprise mindset. To support its next phase of growth, strengthen succession planning, recruit additional talent, and benefit from the experience of leaders who have successfully scaled wealth management businesses before. Through a combination of consistent organic growth, specialized client niches, advisor recruiting, and investments in operational infrastructure. Niche client segments often face unique financial decisions involving private investments, business opportunities, and career transitions that require specialized knowledge and a fiduciary framework. Matt points to greater flexibility around private investments, the ability to build specialized client experiences, reward employees with equity, and create an enterprise with lasting value. The discussion highlights the tradeoffs between creating your own firm and joining an established independent enterprise, emphasizing that ownership and long-term equity often matter more than headline payouts. A willingness to invest beyond advisors alone, adding executive leadership, expanding geographically, recruiting strategically, and maintaining a long-term enterprise mindset. Related Resources Article: Your Practice Isn't Worth What You ThinkMost advisors misjudge their business's value, not because of the number, but because of the framework. Learn what really drives enterprise value. Rise and Reinvent: Joe Duran on Building and Rebuilding World-Class FirmsHe's built and rebuilt some of the industry's most successful firms and now he's helping others do the same. In this episode, Joe Duran, the founder of Rise Growth Partners, shares lessons from building, selling, and starting again, and how staying curious and adaptable fuels lasting success. Matt KilgroePresident/CEO Prior to launching Cyndeo Wealth Partners in 2020, Matt ran advisory teams at Merrill Lynch and UBS Financial for 29 years. Providing guidance, counsel, and strategy for families the firm serves is Matt's passion. In addition to his role as an advisor, Matt works in a leadership capacity for Cyndeo while also helping with business development. Matt has been recognized by Barron's as a Top 1000 or Top 1200 Advisor consistently since 2009. In 2020 Forbes named him to their “Best-In-State Wealth Advisor” list. A graduate of Eckerd College, Matt has served on the Board of Trustees at his alma mater since 2012. His three children are his pride and joy. Daughter Carrington owns Sunstate Yoga studio in St. Petersburg, son Kent is a financial advisor with Cyndeo, and daughter Jillian recently graduated Florida State University. An athlete in college, Matt continues to enjoy staying in shape, playing basketball, and bike riding. 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… True Alignment: Advising Business Owners on Wealth, Significance, and Value A conversation with Jason Diamond, Nick Hubert and Taylor Gentry – Founding Partners at Panoramic Capital Partners. Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is True Alignment: Advising Business Owners on Wealth, Significance, and Value. It’s a conversation with Nick Hubert and Taylor Gentry, Founding Partners, Panoramic Capital Partners. 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: Advisory firms that work with business owner clients typically operate through a fairly traditional wealth management lens. The business may be the source of the wealth, but the advice itself often centers around investments, planning, and asset allocation, yet Panoramic Capital Partners approaches that equation differently. Nick Hubert and Taylor Gentry are the founding partners of the roughly $450 million RIA, serving about 150 families with a seven-person team. And while they come from very different professional backgrounds, Nick with more of a relationship and storytelling orientation, Taylor from the analytical and private equity side, they’ve built the firm around a shared philosophy tied to what they call personal significance, personal wealth, and personal value. A big part of that philosophy, or the north star as they put it, is applying some of the same accountability and long-term thinking frameworks commonly seen in private equity to the advisory relationship itself, not in a transactional sense, but in helping clients think more intentionally about decision-making, alignment, and outcomes over long periods of time. As a result, our conversation delves deeply into the private equity world, reframing how clients and advisors should consider this important tool as both a growth mechanism and a strategic part of their client’s plans. We talk about how that perspective also shapes not only how they think about serving business owners specifically, but also the role private equity should play in wealth management. Then we take a view of their long runway and how they and other younger advisors might see things differently about building firms today and why clarity of vision may matter more than sheer scale in the years ahead, and much, much more. It’s a narrative that is refreshing and informative, so let’s get to it. Taylor, Nick, thank you so much for joining. Walk us through your background. What brought you to the world of wealth management? Nick, let’s start with you. Nick Hubert: Sure. I think I got my first taste of the industry actually in a sophomore year of college internship, or I interned at Morgan Stanley here in Oregon. I studied finance and accounting at University of Oregon, and so I had this affinity for finance and markets and had that privilege of having that internship. So I had it early on in my career. Ultimately ended up setting my sights on doing investment banking and going that route and did that for a short period of time. Ended up not going very long due to a medical reason, so you don’t have to be that sorry for me. And ultimately started my career in business consulting before pretty quickly realizing that I want to get back to finance, back to investing these things that just felt like core competencies and that thing that you keep coming back to when you’re alone in the middle of the night thinking about stuff, it was always that. Just had this desire to work with smaller units than large corporations, which is great for wealth where you get to work with families and small businesses. And so it was just a natural alignment that took me back full-time to the space in 2016. Jason Diamond: I like the framing it through the size of the unit you’re working with and having more of an impact on the family. Taylor, what about you? Taylor Gentry: I’m a little more circuitous, if you will. Spent a couple of years in investment banking, so you can be sorry for me. Nick and I met in undergrad at the University of Oregon, had the opportunity to work in this investment group together where we were investing a portion of the university’s endowment. And like Nick, interned in wealth management and kind of walked away from it going, “Boy, that’s boring. I don’t really like that.” And so moved to New York, cut my teeth in banking for a couple years and we were working… So an investment bank for context, helping companies raise debt, raise equity, and with mergers and acquisitions, we’re working with huge companies. So the Mattels of the world, the largest toy company in the world. Like Nick, realized, “Hey, I’m going to work with smaller companies that we can get our arms around a little bit better and be more helpful with and have a bigger impact on.” So spent about 10 years with a private equity firm in the western half of the US and we invested in companies in what’s referred to as the lower middle market. So companies doing 50 to 300 million of revenue. And we would invest in those companies, grow those businesses and then look to sell them. Awesome experience, learned a ton, got a bunch of experience around how to invest in companies, how to grow businesses. Then had the opportunity to step into the CFO seat of a couple of different operating companies during that time. It was just a great learning ground, but also to see a whole bunch of different situations. Nick and I have always invested in things together. We’ve worked on things together and we’ve always wanted to work together full time. And a few years ago, the stars really just aligned to say, “Hey, what would it look like to create a differentiated offering in the wealth space where we can blend my background on companies, transactions, how to draw on scale and all those pieces and really marry that with the wealth management piece?” And Nick will get into that further, but it’s just a really unique way to partner with families and companies that are smaller which can have a really high impact experience with those families and really move them through their life journey, if you will. Jason Diamond: Yeah, there’s a lot to unpack there and we’ll get to some of the elements of how you run the business today. First of all, you can’t fool me by using a toy company as your example to make investment banking more interesting. I’m just kidding. Actually, my real takeaway there is you have a skillset that is incredibly relevant in the current wealth management ecosystem, especially in the model you’re currently in. So let’s talk about that a little. Tell us about your current chapter, which is Panoramic Capital Partners. Who do you serve? What types of clients? Give me some perspective on size as well. Nick Hubert: I'm going to take this first. Taylor can do the PE background side and give you a bunch of numbers. I’ll give you the story and see if we can piece it together that way. Jason Diamond: I get the impression you guys use that line a lot. Nick Hubert: Oh, no, that’s the first time. How’d it land? Jason, I spent eight years at our prior firm with our third founding partner, Andrew, and he was at that firm for 30 years. And so we’ve got this core DNA that we’ve always carried of serving high net worth families in a very holistic and deep planning-based capacity, which I think a lot of modern firms say that. And so that’s not necessarily that different, but it is a DNA that carries through. When we got struck with this vision of launching Panoramic and what inspired us to build the firm, it was as, Taylor outlined, around this idea of how do we partner with entrepreneurs and business owners more holistically across their entire entrepreneurial journey, not just around the exit as is so often where the gravity of the conversation sits. And so our firm vision and inspiration was all around that. And since launching in May of 2024, it has been about how do we bring that vision to life with a different business model. And to your point, there’s a bunch to unpack there, but that is ultimately the founding vision of what we are trying to build here overall and what inspires us every day to say, how do we, as Taylor mentioned, bring the combination of skillsets to bear in a way that allows us to be a better partner along the entirety of the journey as opposed to just towards the end when assets traditionally show up, so to speak? So that’s a story from a vision perspective. Taylor, I don’t know what you want to add to that. Taylor Gentry: As Nick outlined, it’s the ability to work with folks throughout the lifecycle. So in private equity, you invest in a company, you work with that management team for three to seven years and then you sell the business and move on to the next project or deal. And really, it’s the deal mechanic that is the value creation. Whereas, with what we are building here, we have the opportunity to really step along the journey with folks when they are in the early phases building what we talk about as the middle phase of allocating, and we’ll talk about this further, and then really the third phase of stewarding capital along the way. And it’s a life cycle or entrepreneurial journey that we’re able to be hand in hand with folks over decades opposed to measured in three to five year spans. Jason Diamond: So it sounds, and you’ve both kind of touched on this now, your different backgrounds, you view as very much a positive because it gives you, Taylor, the more in the weeds analytical perspective. Nick, you’re probably more the storyteller. Do you find that to be a benefit when you’re running your firm every day? And are there instances when it’s a negative? Is there ever a time when you say, Taylor, just maybe more for you, not coming from this world, you don’t speak the same language? Nick Hubert: Do you want me to drop off the call so Taylor can be honest and he can give you the scoop and then he can jump off and I’ll give you the scoop? Taylor Gentry: Jason, we talk about that a lot, honestly. I think it is atypical for someone with my background to step into the wealth space maybe more so. And we leverage that because we have the ability to work with folks on how do you drive value in the company, how do you set the business up for a potential sale exit or transition internally? But this business, historically, we’ve talked about it as almost like two tracks. You have Taylor on the quote unquote business consulting or the business work track and you have Nick on a wealth management track. It’s really not the case. And really, the power is the ability for these two pieces to come together and there isn’t a conversation we have with clients where those two perspectives and backgrounds or contexts aren’t married into one to create really truly holistic advice. And so Nick will probably tell you otherwise, but I haven’t seen an area yet where our two backgrounds has been a negative. It’s actually been immensely positive. And then on top of it, in terms of kind of building out the firm, Nick is more of a traction visionary and I’m more of the traction implementer. What’s amazing about it from our perspective is the partnership we have allows us to, A, recognize that, B, name it, and then C, leverage it in terms of being able to dole out duties and maximize our success together. Jason Diamond: Nick, anything you’d add? Nick Hubert: I think that’s all right. I mean, Jason, your question was from an operational perspective. I think a lot of Taylor’s view is from a client perspective, which is spot on that the overlap of that is really helpful for clients and I think what allows it to be a different experience for them. Internally, operationally, I think that where you could see friction there amongst partners with differences, and I think you do see that, and at the same time, Google was the one who did team research 15 years ago where they put out what you really want, is similarity and vision and differences in skillset when building a team. And so I think we’ve been intentional about that and it’s been really helpful for… Taylor and I functionally met in a quasi-professional setting back in 2011 and developed a friendship quickly, so we’ve got that deep level of friendship that underpins all of it. And same with Andrew and our time working together. So part of it is there’s just such a strength of relationship amongst us that we give space for each other’s differences and look for those as assets as opposed to negatives, but in some sense, beauty in the eye of the beholder as is the case with anything. Jason Diamond: Yep. I appreciate you adding that context. I’ll be honest that when I first encountered your firm, my reaction was your core value prop of serving business owners is not all that differentiated. And then I learned more about the way in which you serve business owners. Can you talk about that? Because a lot of advisors in general, but then I think more specifically, a lot of RIAs would say, “We service primarily business owners.” Tell me how do you do it in a way that’s different and meaningful? Nick Hubert: I’ll take a first stab at that and then Taylor can maybe add on with specific stories. The wealth space is an awesome business and it’s a place where it’s very difficult to differentiate. And so we think a lot about that through the lens of how do we grow this business well for the long period of time to create opportunities for clients and employees. And so we spent a lot of time thinking about that, not only for the sake of differentiation, but also how do we actually just continue to add value to clients? Because if we add value in a different way, growth will take care of itself. I’d say one way of cutting that is we revisit the mission is through this idea of, okay, if I want to be a partner along the journey, it’s about more than a single transaction, more than a single exit, whatever that might be, or a series of transactions as wealth is often created over a series of transactions. It’s this idea of how do we focus on wealth creation and driving business value as the engine of wealth creation for entrepreneurs and what we call personal significance, which is the life of the entrepreneur. And so there’s a next click down framing of our framework that we work through that lens. I think the most important piece for us has been how do we build a business model that actually brings that to life and that’s the trick because we can say that, and if we basically still just operate out of an AUM-based or an asset advisory fee-based business, the reality is my incentive is still towards getting assets out of the entrepreneurial environment, so to speak, into a place that I can manage them, which may or may not be the best thing for the entrepreneur based on where they are at. And so our current work continues to be around how do we build that business model. So layering in different ways of engaging, whether it’s a retainer fee or some other way of engaging so we can start earlier when assets aren’t there and actually encourage the entrepreneur, “No, keep reinvesting in your business. It’s your highest rate of return right now and it’s where the investment needs to go.” I don’t want to have a conflict in giving that advice. And so I think step two here has been building that business model from an actual engagement perspective to enable us to enact the vision. And then I think the third piece is how do we then build tools that are different than just evaluating pre-exit planning, and as is so often, the toolkit, but actually saying, okay, what are the value drivers of a business? And this is probably where Taylor has a lot more to add because it’s 101 of the PE model, but how do we take the mission and vision of an entrepreneur, what we call north stars, translate those into value drivers, ensure those tie to strategic initiatives in the business, ensure it ties to reporting, and ultimately, how capital is allocated between the business and other investments? So then that’s our toolkit that we continue to build out to deploy the mission through our business model with tools that back it up. So that’s how we frame it right now. Taylor, we can share stories about how that’s come to fruition to create different outcomes. Jason Diamond: Taylor, I’d love to hear that. Let me just add maybe my understanding, because this is what helped me, I think, to really understand how you defer, and Nick and Taylor, correct me if I’m wrong, it sounds like the typical advisor thinks about an entrepreneur, a business owner relationship as the next liquidity event in most cases. And you take the viewpoint that it’s a journey, in some instances, 30 years in the making. It’s not even about liquidity event might come that’s beside the point. Is that a fair summary? Taylor Gentry: Yeah. We talk about it as a growing business is a healthy business, a business that is creating incremental value and adding to the multiple in terms of how the business is valued in the marketplace is a healthy business. And so whether you are going to sell that business or retain that business into perpetuity, let’s make a really valuable business and grow a very healthy business. And that’s what we do with clients. Nick laid out the north star framework. And so how do we actually go about engaging with folks on a practical level? It does start with the north star framework. It’s got five steps to it as Nick outlined in terms of defining the north star, where we’re going, what we’re trying to do and that’s across those three pillars, personal significance, personal wealth and business value. And that personal significance has to be held at that same level. Otherwise, we find folks that are mid 50s, their business is crazy valuable, they’ve got a lot of dollars, but their family life isn’t where they want it to be because they didn’t take care of that along the way. So we lay out a place map that says, “Hey, these are the north stars that we are aligning on and coming back to every month when we work with these owners.” We then push that into, okay, what are we trying to do on the business side of the equation? Let’s lay out what is going to drive the value of the business from a multiple and enterprise value perspective. We push that into a set of strategic initiatives that is tactical, who owns what, when’s it getting done, and are we red, yellow or green on it? We then build out the performance reporting package with folks. And so that is a monthly reporting package that says what happened last month and what operational data are we looking at to be able to improve the business month over month and get a good feedback loop going into the company. And then the last piece is around capital allocation that Nick mentioned where if the business generates a million dollars, where’s that capital going? I think there’s a lot in there and it’s really deep, but if you zoom all the way back out, it’s take a private equity style playbook where private equity firms come and invest in a company. And what do they do after close? They put in place good financial reporting, good operational reporting, and then hold the team accountable to that reporting and those results on a monthly, quarterly, and annual basis. And so this is not rocket science or something that’s never been seen before. It’s just most business owners that have never experienced this private equity world don’t have access to it and don’t know how to go about doing it. It’s a relatively long process to get that installed with companies and with teams to really dig in and understand it, but it’s building out those packages to be able to say, “Okay, what happened last month? What changes do we need to make and what are we doing from a initiative perspective to drive the business forward?” So to Nick’s point, it was previously, this was all about liquidity planning or from a wealth management perspective, it’s about the exit. This is about how do we make a more valuable business along the way, and that’s going to be good for the entrepreneur as they move through the journey. Nick Hubert: When we were around the dinner table, the proverbial dinner table creating the vision of this firm, it was around this idea of the silver tsunami and everything that everybody reads in the headlines of this massive wave of transition, this generational transition of business ownership that we could help facilitate. So we launched with that thesis in some sense. In addition to this broader journey perspective, we have gotten to this place by following the market and listening to what entrepreneurs actually want through the big unlock was honestly in a deal process with one of our clients where we realized, “This is a great deal. This person’s going to put a ton of money in their pockets, secure their future,” and it’s completely the wrong outcome for the entrepreneur because it’s thinking all about the deal, not thinking about what this person didn’t want was an exit. They wanted a different relationship with their business, and that required, what do you actually want out of life, that personal significance piece? And it required, “Hey, if we can actually create a layer of team members and reporting that allows you to manage this like a board chair would do as opposed to a highly engaged CEO. That’s actually what you want. You don’t want out of this business. You want to still have this be a huge rock in your life.” And so we’ve ran through that door, said no to the deal with them and have been building the infrastructure around this, and that was the unlock and aha moment for us. There’s something bigger here and that’s what then inspired, in some sense, the broader build out of the toolkit, but I think puts more meat on the bone of actually saying no to a deal, which is not the classic wealth manager outcome to get to a way better outcome for the client and is ultimately still an awesome client for us as a firm and somebody that we can go build with for the next 20 years. I think just telling it through the lens of a story that’s different than what’s normal, so to speak, is a way to frame that up. Jason Diamond: It’s such a hyper focus on a fairly long-term and honestly nebulous potential outcome. You don’t have certainty. That, I think, is why most advisors would prefer the near-term liquidity. I mean, it’s not a secret, right? You can bill on assets, firms are incentivizing it and it’s a pretty direct recipe to net new asset growth, but it’s certainly a refreshing point of view. It resonates with me. I’m wondering if it’s resonated with clients and prospects. I guess what I’m asking is, do they feel that this is something different than the typical wealth management experience for this type of client? Nick Hubert: Yeah, Taylor, tell that story of the guy who said, “I’ve had this, but I felt alone.” I think that story of partnership, you tell pretty well. Taylor Gentry: Yeah. Jason, it was actually that same client, he had a investment banker, a wealth manager, attorney, and a CPA. CPA said, “The deal’s terrible, you shouldn’t do the deal.” Investment bankers obviously incentivized to do the deal. And so he’s saying, “You should do the deal.” That’s how he gets paid. He had a wealth manager who was silent and he had an attorney who just pushing paperwork. Jason Diamond: It’s like the start of a bad joke. Taylor Gentry: Yeah. No, seriously, it’s pretty remarkable. It’s like this guy did what he was supposed to do. He put the team of resources around himself. He got professionals in the seat. It’s that no one could connect the dots of all four of those people because they have the seat of those four people. And so it’s really resonated because there’s an ability to see a bigger picture and connect these dots and say, “Okay, this investment banker is saying X because of A, B and C.” And the CPA is saying it’s a bad deal and that it’s not a market deal. It’s 100% a market deal. This deal is right down the fairway in terms of what the market should value your company at and they just don’t understand how the transaction mechanics should work. And so it’s worked really well from that perspective of being able to be the quarterback or centralized point or personal CFO for folks in understanding where interests lie and also being able to think about what they are pursuing in a bit of a different lens. I think the second piece on that is where does it resonate for folks? I think that there is a gap in the marketplace that we are still working to close, and that gap is that business owners do not know what this monthly reporting package looks like. They do not know what really good reporting on their business looks like in terms of they have always run their… You’ve got a business owner. They’ve run their business for 10 or 20 years. They have a pulse on the business from their gut feel. That does not mean that the business has been optimized, is ready to go to the next level or is ready for a transaction and go through a transaction because they have not done the work on the backend to understand the moving pieces of the business at a granular level. This recording package, we oftentimes get this confusion around, well, I’ve got a temporary CFO or a controller or X, Y, Z. That is very different than what we’re talking about. Well, that is all accounting, close the books, have clean numbers. What we’re talking about is how do I marry operational data in the business, number of units ships, number of jobs completed, time on job, operational data to the financials in the business so I can then go make adjustments operationally on how to improve the business and continue taking steps forward. Jason Diamond: It’s very clear. Nick, anything you’d want to add to that? Nick Hubert: I’d say it’s easy to still cut that from a deal lens and say, look, when an investment partner comes to evaluate a business to sit in their seat for a moment, they’re going to look at the replicability of what that leader has done without that leader still in the seat. And if so many businesses are still reliant on that person and this gets talked about as processes, reporting systems, that ultimately results in a discount to the value of the business because although it can be viewed… For the leader, it’s like, it’s that control thing that entrepreneurs deal with. It’s what made them good. It’s what got you there. And so that transition is really hard. And that’s important from a deal lens because that does a direct impact to value. And to widen out the scope beyond the deal and to think about the entrepreneur’s life, this goes back to the dynamic that a lot of times entrepreneurs look for the exits because they’ve built something that it’s now owning them and what they’ve built is not resulting in the life that they want. And so how can we use this system to actually change that relationship, as I mentioned earlier, with the business so that they can run it more like an executive might and get out of the knife fight, so to speak, that often is how this can feel for a lot of folks, even for pretty large businesses. It can just feel like you’re a firefighter, you’re in a knife fight, whatever you want to use for that terminology. I think it’s as much about creating a different life outcome and different relationship and owning and leading a business as it is in driving deal value. Jason Diamond: Taylor, maybe I’ll ask this of you. Forgive the question, but private equity, I think in our space, has a little bit of a negative stigma at the moment. I don’t think that’s true across the board. I think people appreciate generally the need for capital and there are certainly benefits of private equity. But I’ll say as a whole, advisors are, let’s say, suspicious of private equity. You ever get that pushback? Does anybody ever view your experience or the way you position the story as a negative? Taylor Gentry: I think most people that we talk to don’t know what private equity is. They may have seen it in the headlines. They may have some sort of connotation around it. They won’t come out and say that they don’t like it. They don’t know why they don’t like it. The average American business owner, they don’t know what it is or what it means. So yes, you do have to fight that because of the headline piece around private equity, bad actor ABC, and that’s what gets the headlines. I think what private equity is really good at is taking a business that is not optimized or not running on systems and processes that it can run on. Again, it's not rocket science is not crazy hard. It’s just the private equity world has created ways to install systems and process that improve the value of the business by way of providing visibility to financials and operations in a way that the owner previously didn’t have. And so for us, we view it not by any means as the end all be all or the answer. There are clients we’ve worked with that have taken private equity capital and grown successfully, executed on some acquisitions and then exited again. There are clients that have evaluated those transactions and said, “Hey, not for me.” We are actually fairly agnostic to it. What we really spend a lot of our time on is what are we solving for? What’s the end game? How do we use this private equity transaction to get to where we’re trying to go and is it what we want at the end of the day? Because the reality is, if you’re going to stay on and run that business with private equity investment in, there’s a higher expectation on what you need to do Monday morning than when you owned it yourself and it was a little bit of your personal piggy bank too. Jason Diamond: I love it because you bring it back to the north star concept. Taylor Gentry: Yes, that’s exactly right. It’s what are we solving for and what game are we playing to be able to get to where we ultimately want to go? And for, as Nick mentioned that client that turned down the deal, it was a private equity investment. We got very clear with that, “Hey, here are going to be the expectations. You will have a monthly financial reporting call. You’re going to have quarterly board meetings.” These are things that need to happen in this business to be able to upgrade the management and cadence in this company. You don’t have to do it all tomorrow, but that is how you make a more valuable company, is installing some of these systems, process and cadence. And so we’re working with him now on doing that, just in a private context instead of in the private equity backed environment. Nick Hubert: I think there are three things embedded in this. I’d say number one, to Taylor’s point, this is a massive black box, in some ways by design. Wall Street’s had not a great reputation for a very long time of putting things behind the paywall, so to speak. And so we think a lot about our job as empowerment and education. Jason Diamond: Education, yep. Nick Hubert: Yeah. And so part of it is just, number one, how do we just demystify this thing and name things and take away the go to or bad? Because it can be that, but it should not be that from a core basis. That’s number one. Number two, a lot of entrepreneurs feel like they cannot get access to this ability to professionalize or level up or whatever these things are without bringing on that investment partner. And so part of our motivation is how do we actually bring this skillset in without needing to bring on an investment partner because oftentimes, that investment partner comes when you’re done, and so you don’t actually get to experience it. That’s number two. Number three is, Jason, part of your point earlier was like there’s still a trap here of potentially being able to get motivated primarily by the exit. And so again, that gets back to our business model, making sure our price Racing is right, all that good stuff. And it’s also the reality that a lot of businesses, if you just look at a very broad scope of American businesses, a lot of them don’t have value in the marketplace in a massively material way and/or won’t exit in a traditional way. And so the wealth creation journey then becomes much more of a conversation of, how do we manage the balance between investing in the company and distributing out of the company to invest elsewhere because we should actually be creating investment assets along the way because when you get to the exit, there’s no better power position at the moment of exit than already having financial security to some degree and giving you choice in the right deal, not the highest and best deal because you need to fill the piggy bank for retirement. Jason Diamond: I just want to be sure to ask because you did mention a couple times your pricing structure. How have you set it up so that you can be more agnostic about this as opposed to the typical… You want to talk about it for a minute? Nick Hubert: As it’s structured now, it starts with a retainer earlier on where we are working… As Taylor mentioned, we are going deep in the operational build of the business. We will do that on a monthly retainer. We’re engaging consistently. As assets get built up and if assets get built up, we start to chew that retainer down as assets go up. I think what we are ideally trying to figure out, and still honestly have not figured out yet, is how do we get to parity so that we don’t create an… I want to be able to work agnostically with a client to say- Jason Diamond: Yeah, I love it. Nick Hubert: … regardless of how I’m engaging with you, that’s the goal. So I’d say we haven’t cracked the code on exactly what that is yet, but mechanically, we’ve got the levers to pull to say how we price and move that retainer down is basically allowing to keep it at par, so to speak, for the client and allowing us to say, “I’m here to engage in making the best wealth creation outcome for you along the way, whether that’s investing in the business or investing outside the business.” Jason Diamond: I think that’s the right recipe. I agree. The levers can be fine-tuned, but to me, that’s the model you want to create where you can credibly look your prospects and clients in the eyes and tell them, “Our job is to serve you in the best way… We’re sitting on the same side of the table as you.” I want to turn this inward for a second. The home cooking concept. M&A, within the RIA independent space, is obviously a hot topic. Have you thought about it? Do you think it’s a critical part of a potential growth trajectory of a healthy, independent firm? I’m curious your perspective. I feel you, Taylor in particular, probably have a unique lens on this coming from the world you came from. Taylor Gentry: Yeah, Jason, I think if Nick and I wanted to put as much money as we possibly could in our pockets as fast as humanly possible. It’s a pretty easy recipe. It’s go get some private equity capital backer, roll up a few RIAs, get to a few billion of AUM and then sell it to the next private equity firm or roll it to the next private equity firm, do that a few times. We’d all make plenty of money and go on our way. We’ve been really intentional on this front, and again, I talk about this is what we want to do for the next 30 plus years. And really being intentional around building a business that has that enduring nature to it, decided to take private equity capital on, you are on a shot clock to some degree. Yes, you’re trying to build a best business, all of those pieces. You get cadence. You get capital. There’s a ton of value there, but you are on a shot clock that is not a shot clock we’re trying to get on at this stage. I’d say we opportunistically are looking at acquisitions. So we think about it, and Nick and I talk about it all the time, how much of our time should we be spending on acquisitions? And we think of it as 80/20 or even 90/10, 80% or 90% organic growth-focused, 10 to 20% acquisitions-focused. And so we’re actively evaluating those consistently and see deals on a monthly basis that we look at and evaluate, but it’s less of the focus today than it could be down the road. Jason Diamond: And Nick, do you think of that when you guys talk? Do you guys call that your true north? Do you think the same way you coach your clients and prospects to say, “For right now, it wouldn’t be the right move for us to take private equity capital and to do this acquisition rollup strategy because A, B and C are more important for us”? Nick Hubert: Yes. I think if we take our life north star for Taylor. I’m speaking for Taylor, but we’re close and so we share this of… To Taylor’s point, the life outcome of scaling that quickly with that type of capital backing is likely to create a life that I don’t actually want that’s not good for me, not good for my family, and honestly, not good for our clients at this point. And so that overrides in this case, even though the wealth, north star might say, “Hey, absolutely do that.” At some point something has to win. And so that is true. At the business side, as the north star is motivated by this mission of the entire entrepreneur journey, the worst thing I could do is shortcut my ability to be on that journey for a long period of time. One of our friends in this space says, “The best thing I can do for my clients is still be in the seat 30 years from now because I’ve lived a good life that enables that.” And I think that’s spot on for us, is everything, it’s so easy in today’s world to be consumed by short-termism and we are intentional in ensuring that we don’t succumb to that. While still recognizing to your point, I mean, you’re in this all day, Jason, right? There’s a massive opportunity in front of us to be thoughtful about how acquisitions fit into this. And I think we want to be open to that in a way that ensures we just don’t lose the core of the goodness of what we’re trying to build. Jason Diamond: I think that’s the right answer. The only wrong answer in my mind is we’re not open to this or we’re closed to it. To not at least be opportunistically aware of the dynamics in the market, I think is naive. But also, I’ll be honest, Nick, when I think about the concept of the north star, I have a hard time imagining, because we use a similar concept when we counsel advisors. What is your true north or your north star and your best business life, whatever you want to call it? To me, it does include absolutely the personal piece. I think it’s hard to define it only on the economic verticals because, I mean, I think about this for a transitioning advisor. Almost never is the conversation about crunch the spreadsheet and get us the biggest check possible. It’s, yeah, sure, transition capital is important, but it’s let’s also, we want a better work life and we want freedom to market and blah, blah, blah. To me, I think it’s a completely fair way. You two are looking at it at least for now and I assume you reserve the right to revise that opinion down the line. Nick Hubert: I think acquiring for size and scale is as often the headline is, yeah, we’re not into that at this point because I think… And yet, hey, if the right acquisition with the right people came along in that, we’d be extremely excited and would move very quickly to execute on that. So it’s a little bit of a both hand. Taylor Gentry: Yeah. Jason, I think it goes without saying, but my background on having done a bunch of transactions of businesses like this, it’s a natural fit for us to have this as a lever. And so we are looking at deals. We just haven’t prioritized it as the top priority. Jason Diamond: I think also where you are, 2024 was the launch of the business. It’s pretty common to see, all right, let’s nail this, let’s get our feet under us, client service model and then we’ll start to think about that down the line. A couple other things I want to ask you about running an independent firm. This is a pretty glowingly positive review, I think, of your ability to service clients, your ability to grow and to build and run the business that you want. Has there been anything negative that you haven’t enjoyed about running and operating this business, other than working with each other, of course? Nick Hubert: No, I was going to say, I’m like, can we get Taylor off the call again? Taylor Gentry: Jason, maybe I’ll take a first cut at it. I think for both Nick and I, it’s just the administrative components of running an independent business that we don’t enjoy candidly. I don’t think many people would. That said, you come full circle and it is a pretty glowingly positive review of running an independent business because we get to run it in the way that we see fit. And oh, by the way, we use the same things that we use with our clients. So the value drivers we’ve talked about, we have a value drivers worksheet. We refresh it every six months. Nick, Andrew, and I get together every six months and we’re 18 months into this thing and we’ve already got this cadence and system to it, if you will. So I personally really enjoy the running the business piece of it from a macro perspective. Yeah, I’m responsible for running our fee billing and running the math on all that and getting that done, for example. Jason Diamond: I think that’s actually a very thoughtful answer. And I appreciate you saying I enjoy running… I feel the same way, by the way. There’s some elements of running a business that I think are immensely fun. I think it gets painted with this brush of, “Ugh, running the business is the hassle and I want to work in the business.” Agreed, nobody likes invoicing and accounts receivable for the most part, but Nick, what are your thoughts on this? Nick Hubert: Yeah, I think mine is different a little bit coming from a different background where it’s easier for me to sit with the rose-colored glasses of the joy of the freedom that we have in this model. At the same time, when I’m counseling folks who are talking with folks or mentoring folks, younger people who are thinking about, “Okay, I want to go start my own thing,” I’m like, “Hey, it’s like I’m the same way. I want to look in the mirror and think I’m the boss or I’m one of the bosses and we get to go build this.” Then the reality is, at the end of the day, if there was something that you didn’t want to do that had to get done and you didn’t do it, you got to look in the mirror and be like, “Well, you’re the boss, you didn’t do it.” It’s the both sides of the coin that I think a positive, negative cut is one way to look at that because it can feel that way sometimes. And the reality is every job has 20 to 30% of it that you just don’t enjoy doing, and that’s totally true. Jason Diamond: It’s why they call it work. That’s why they pay you. Nick Hubert: They’d be pretty quick to point out that I’m the one of the partnership group that they’re going to have to chase for a smaller administrative item because, yeah, I honestly, just similarly speaking, don’t enjoy that. I want to go talk to clients. I want to go focus on building what we’re building. In finance speaks, it is a higher beta to just the all encompassing realities of running a business that is really hard to underscore without being in the seat. And yeah, there’s definitely 20 to 30% of that I would love to wave a magic wand and say, I don’t have to do anymore. Jason Diamond: Yeah, I appreciate that. Nick Hubert: You can’t have one without the other. It’s both sides. Jason Diamond: I think it’s getting easier and I think it’s getting more offloadable and some of it probably gets more… In some ways, more offloadable as you scale, but then you get a new set of problems, probably two, because you’re dealing with bigger… It’s a never ending. I think most business owners would agree with that. And you said it well, you take the good with the bad and overwhelmingly, most people we speak with in the independent space feel as you do, which is, are there things I would prefer to offload or that I would prefer not to do? Of course, but that’s almost just the price you pay for the freedom and for doing all the things you want to do. Two more questions that I want to be sure to ask about where this has been a great episode. One is AI. Need to know your thoughts. Is this coming for our jobs? Do you think your firm is positioned to capture either asset flows or also just to leverage this technology and use it to serve clients better? Just give me your thoughts. Nick Hubert: I think, in some sense, it would be irresponsible as people this early in our entrepreneurial journey and thinking about how do we optimize what we do for clients to not be engaging with AI in some way, shape or form, at least in an evaluative posture. So we are actively, in a bunch of different ways, whether it’s buy it off the shelf or build it, continuing to find ways to think about, not only how do we drive efficiency, because there’s an obvious surface level dynamic of if I can save time and spend more time with clients, that is a go to thing objectively. And there’s this deeper dynamic of if it can amplify what… Actually, back to your prior question, if it can amplify what I’m best at and enjoy and reduce what I don’t enjoy, that’s a massive win. And I think we’re on the surface of seeing that. That’s the opportunity we are motivated by that and pursuing that. And at the same time, I would say an operational principle that really is important to us, and you can almost call it a north star within the business is client security can never be put at risk for the sake of our own growth, our own efficiency, or anything else. There’s, I think, still a question mark as to how we think about trusting this. And so we are very cautious as we think about we will never try to move so quickly on any technology, whether it’s AI or otherwise that we risk our clients in some way, shape or form, because the reality is we are also in a context where AI is, when pulled, one of the least popular things happening in the world today for the average American. And so there’s no kudos here for being a leader. Jason Diamond: I totally agree. The first mover advantage here is slim to none. Nick Hubert: Yeah, you don’t want to be the one sticking your neck out on this in our industry. And yet there still objectively has a potential to be better for the clients. Navigating that I think is messy. Taylor Gentry: I think the only thing I’d add, which is pretty short, is the use of these tools has the ability to create a better deliverable for clients on a more consistent basis. And marrying that with exactly what Nick just outlined around the risk is really the magic piece here. And so I think, to the extent we can get it implemented effectively with the security, but also with, this is going to result in a lot better outcome for clients across the board, that’s a pretty attractive objective to go after and it’s pretty exciting to be in the industry with that now on the forefront in terms of ability to improve that experience over time. Jason Diamond: Yeah. No, that’s a good color to add. I want to end here with a potential HR violation, but you’ll forgive me. I’m not going to ask about age, but you are clearly both relatively young advisors. And this is a hot button issue in our industry, the idea that there are not a lot of talented, young next gen advisors at a time when a lot of gen one or older advisors are retiring out of the business. So what would you say… I think one of you made the comment earlier, it’s not necessarily the coolest industry to go into at 23 years old right out of school. I think more commonly people go into sales and trading, investment banking or some of the other finance verticals. What would you say to younger folks interested in wealth? And maybe I’d ask also, do you have any thoughts on how we solve this next gen talent crisis? And if you’re both secretly 90 years old, you can just do it. Taylor Gentry: You talking my internal age or my actual age? Jason Diamond: Why don’t you go first? Nick Hubert: Yeah, go ahead, Taylor. Taylor Gentry: I think there’s two threads here. The first is it’s not a sexy industry to go into and not as sexy as an investment banking, private equity shtick, if you will. I think from my perspective, it’s really important what you’re working on. The ability to be in a firm like what we are building with the diversity of work that is available is a little bit like the world’s your oyster and we’re designing it with that in mind. For Nick and I, the ability to work on many different situations throughout the day and throughout the week is actually why this business is so attractive and interesting and why we want to do it for 30 years. And so we’re building with that context. And so, in some ways, it’s almost like a plug for younger advisors, the ability to work in a firm like what we’re building where you’ve got this diversity of work that is not just trading stocks and bonds or just spreadsheeting or just financial planning. This is a much broader expression and experience than what I would call “traditional” wealth management. So I think that’s the key on that front. Then, on the talent development side of the equation, if you will, this AI thing is going to be a big question mark. And what I mean by that is there is significant training that will be required in, call it traditional wealth management or the firm we’re building with regard to folks’ ability to actually learn when you can plug it into AI and get an answer that you don’t have to critically question or think through. And so there’s going to be a significant learning curve for folks that we’re going to have to continue to train and educate on in order to produce talent that can be long-term sustainable and beneficial for clients more writ large. Jason Diamond: Nick. Nick Hubert: Well, first and foremost, we haven’t given our third partner enough here of time. I think we have a tremendous benefit of having a multi-generational team at the partnership level where he’s in his mid to late 50s and can bring that additional experience to bear and as is necessary, and as is important because investing is an experienced business and a lot of clients want that. And so the power of that matters. I think that actually speaks to firms being willing to think of partnership at that level that partnership is not reserved for just once you’ve been there for a long time. So I think it’s getting at like, how do you share ownership earlier, do it in a way that is actually giving people a stake in the outcome and allowing that elevation to happen. I think that’s number one. Number two, honestly, the existence of people like you and your team and that your family has built over the years, Jason, is awesome. And because of the ability for you to help people navigate and see how easy it is to actually run this business and build this business in some sense… And that’s in the broader spectrum of having seen. We work with so many different types of companies. We sometimes say our business is so much easier to run and it has come so far with technology and with people like you who are providers to us to allow it to be easier for us so to speak. That’s a big deal. I think that should be talked about more that there is a massive… What that allows is more time to, as Taylor mentioned, build what you actually want because you can outsource the compliance piece in a major way that allows you to not spend as much time on that as you used to. So I don’t think that gets talked about enough. And I think if you just zoom out and view this in the perspective of post-2020, there was this massive movement of entrepreneurship through acquisitions and people looking at this idea of how do I get the life I want by way of not having to be on a two-year clock to go to the next job to the next job. Have something that I can have a long-term impact on where I get to build something and have employees. This is the perfect space for that because it’s such an awesome business where you get to work so intimately with people and clients and their life outcomes. They’re, again, relatively speaking, easier businesses to run relative to what’s out there. I’m just baffled by the fact that it is not seen a larger wave of younger people coming out of these more “traditional” paths and seeing this as an awesome place when they’re willing to go buy an HVAC company. This is so much easier than that. So honestly, I think

This is a special episode, maybe mini-season, of Seven Million Bikes direct from quarantine in Saigon. This was recorded on a phone recorder and I don't have a laptop for edits so it's a live interview with my wife, Adrie Mackay.Adrie and I left Vietnam on March 9th for what was meant to be three weddings in three weeks on three continents; going to New Zealand, then the USA then back to Vietnam for the final wedding. Weighing up the risks of the coronavirus we decided to start out trip, but almost immediately those plans changed as things developed rapidly in the world. And continued to change daily, then hourly, then almost by the minute as we tried to get back to Vietnam as soon as we could before the borders closed and we were stranded in New Zealand. In hindsight we should have listened to those red flags and stayed in Vietnam.Adrie tells the story of how we got back into Vietnam, barely, and why we are in quarantine after the most anxiety inducing and stressful period of our lives together. We feel ridiculously lucky that we made it into Vietnam at literally the 11th hour before the border effectively shut at midnight to foreigners.******Adrie and the presenter of Seven Million Bikes, Niall have been married for nearly 7 years, living in Vietnam for 4 of those, calling this country home. They have a beautiful French Bulldog called Biscuit who is waiting for them to get out of quarantine at her best friends house. -------------------Theme music composed by Lewis Wright.Main Cover Art designed by Niall Mackay and Le Nguyen.Episode art designed by Niall Mackay."Send me a message!"Book a free call with me here if you want to start your own podcast!Book your free tour of Saigon Podcast Studio!Support the show"Send me a message!"Book a free call with me here if you want to start your own podcast! Book your free tour of Saigon Podcast Studio! Support the show

Give to help Chris make Truce Jimmy Swaggart was caught in a major controversy in the late 1980s. It involved the famous American televangelist, who was a leading figure in Pentecostal Christianity. In 1988, Swaggart publicly admitted to “moral failure” after reports surfaced that he had been involved with a prostitute, behavior that directly contradicted the strict moral standards he preached. The revelation led to his suspension by the Assemblies of God, his church denomination, and caused significant damage to his reputation and ministry. Swaggart delivered a widely televised, tearful confession, which became one of the most memorable moments in religious broadcasting, symbolizing broader concerns at the time about hypocrisy, accountability, and power among high-profile televangelists. This proved to be a problem for Pat Robertson, who was running for president. Just as he needed his conservative brothers and sisters on his side... they disappeared or chose another politician. When he lost the race, he continued his streak of being shelved by politicians. He and other evangelicals with large followings placed their hope in politicians to save them. Only to find disappointment. Sources: The Evangelicals by Frances Fitzgerald Reaganland by Rick Perlstein Pat Robertson: A Life and Legacy by David Edwin Harrell Jr. Andrews, T. M. (2017). The Rev. Marvin Gorman, who prompted Jimmy Swaggart's downfall in the '80s, dies at 83 Art Harris, W. P. (1988, Feb 26). Jimmy Swaggart's secret life in the world of no-tell motels 'shouting, weeping' Preacher was just another man on prowl. Toronto Star RNC National Convention speeches 1988, around 2:35:00 God's Own Party by Daniel K Williams PETER STEINFELS (1989, Jun 12). Moral majority to dissolve; says mission accomplished. New York Times Rolling Stone Magazine article on Jay Sekulow. By Andrew Perez, January 3, 2024 Washington Post article about Robertson's death Discussion Questions How did success become a problem for the Moral Majority and Christian Coalition? Why is it a problem that we keep being marketed to with fear? How could conservative evangelicals argue both that they were the majority AND a persecuted minority? Why does it matter? Learn more about your ad choices. Visit podcastchoices.com/adchoices

We are coming off a great weekend, which started with a live podcast taping with all of you!  I was blown away by the energy in the room, and can't thank you all enough for coming out.  I get into your calls and we have one for the ages.  She flew across the country to meet someone for the first time, and ended up spending the weekend with his parents.  The story truly shook me, and I can't wait for a follow up. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The exact hour and minute of Cullen Baird Smith's birthday, a shortwave radio in his home turned itselThe exact hour and minute of Cullen Baird Smith's birthday, a shortwave radio in his home turned itself on with no one near it. Turned itself back on the next morning at the exact same time. Turned itself back on the morning after that. They unplugged it. They moved it. It still turned itself on at that same minute every day. After a month of this, Pia Orleane and Cullen finally stood in front of the radio and asked. A telepathic voice answered. We are Larkma. We are one of six and six of one. We are here to help humanity evolve. And thirty years of what has followed has produced the Wisdom from the Stars trilogy, the award-winning Pleiadian Earth Energy Astrology, and the teaching that reframes almost everything. ⠀ Larkma tells us the age of darkness we have been living inside just ended. The Kali Yuga completed on the spring equinox of March 2025. We are now inside a purification process, and the Great Split has already begun — those who choose to evolve at higher and higher frequency, and those who stay attached to the collapsing system. In this conversation, Pia and Cullen share the origin story, the nature of what they call synchronization instead of channeling, what Larkma's world is actually like, why there are no past lives — only parallel ones — the three levels of dreams, why Atlantis fell through the misuse of crystals, and why every artificial intelligence system on the planet is being built on the same technological arc that ended Atlantis. Then in the middle of the interview, Pia and Cullen join hands and Larkma comes through directly for a community Q&A on future self integration, the energy of thirteen, the water bowl practice, ancestral trauma, crystal consciousness, money, healing, and the exact steps we can take to prepare for what is coming. Pia and Cullen will be featured teachers at my Sedona event this November.

Every red flag in the Celeste Rivas Hernandez case got logged by somebody, and not one of them connected the dots in time. Tony Brueski breaks down the full D4vd case for True Crime Today, starting with a welfare check that should have ended very differently. Celeste was reported missing from Lake Elsinore three times in early 2024. That led Riverside County deputies to musician David Burke's phone number, and LA County deputies to his West Hollywood front door. Burke showed them a yearbook photo and claimed he'd met her only once. Deputies told him plainly that she was thirteen and a runaway, then left without further action. Prosecutors allege what came next was deliberate. Burke is accused of paying one of Celeste's junior high classmates a thousand dollars to hand her a new phone so contact could continue uninterrupted. Over the following year, prosecutors say she traveled with him to Las Vegas, London, and Texas, met his family, got matching tattoos, and had his name on her ring finger, all while still in seventh grade. The case takes an even stranger turn when you look at Burke's own music. His breakout single, the album it's from, and the alter ego he built around both all echo the allegations prosecutors are now making about a Hollywood Hills home. Seven months passed between investigators finding Celeste's remains and Burke's arrest, a stretch that included three grand jury panels, a friend fleeing to Montana to avoid a subpoena, and Burke's family fighting the grand jury in a Texas courtroom. He now faces first-degree murder with special circumstances, including lying in wait, murder for financial gain, and murder of a witness. That financial gain allegation is the piece prosecutors say ties everything back to Burke's career. Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePod This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice. Hashtags #D4vd #DavidBurke #TrueCrimeToday #CelesteRivas #TrueCrime #WelfareCheck #SystemFailure #GrandJury #TrueCrimePodcast #JusticeForCeleste