Podcast appearances and mentions of ernst young

In this forward-looking conversation, Dustin sits down with Andy Morgan, Chief Partnerships Officer at 2U, to unpack what digital education looks like in 2026—and where it's heading next. From the maturation of online learning to mounting regulatory pressure and the rapid acceleration of AI, Andy outlines the three major forces reshaping higher ed strategy today.The big takeaway? Moving a program online isn't innovation anymore. Institutions that thrive will build integrated, learner-first strategies that blend modality, rethink marketing, and use AI to enhance—not replace—human connection.Guest Name: Andy Morgan, Chief Partnerships Officer, 2UGuest Social: LinkedInGuest Bio: Andy Morgan is 2U's Chief Partnerships Officer overseeing all aspects of 2U's partner relationships, including strategy, growth, and performance, as well as 2U's enterprise business. A long-time leader at 2U, Morgan has held a variety of strategic roles critical to the company's growth and expansion, including Head of Corporate Development and, most recently, Interim Head of the Alternative Credential Segment. With over 15 years of experience in edtech, Morgan brings a wealth of industry knowledge that has been instrumental in molding 2U into one of the world's leading edtech companies.Prior to joining 2U in 2018, Morgan spent seven years at Pearson managing merger and acquisitions and global business transformation across Pearson's media and education businesses. Earlier in his career, Morgan worked in the London office of Ernst & Young in several transaction advisory and consulting roles serving private equity clients.Morgan lives in Bethesda, Maryland, with his wife and two children. He holds a BSc in Economics from the University of Warwick. - - - -Connect With Our Host:Dustin Ramsdellhttps://www.linkedin.com/in/dustinramsdell/About The Enrollify Podcast Network:The Higher Ed Geek is a part of the Enrollify Podcast Network. If you like this podcast, chances are you'll like other Enrollify shows too!Enrollify is made possible by Element451 — The AI Workforce Platform for Higher Ed. Learn more at element451.com. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Learn more about Melissa at: https://eqviaempathy.com/ https://www.instagram.com/empathyqueen.eq/ https://www.youtube.com/@TheEmpathicLeader https://www.facebook.com/eqviaempathy/ https://www.linkedin.com/in/dr-melissa-a-robinson-winemiller-author-speaker-trainer/ Listen to her podcast at: https://www.youtube.com/@TheEmpathicLeader   Show Notes       02:04 Melissa's first passion: A career as a professional French horn player.

BONUS: From Individual AI Wins to Team-Wide Transformation What happens when the leaders we trust to guide transformation become the bottleneck slowing it down? In this episode, Monica Marquez—with 25+ years in people transformation at Goldman Sachs, Google, and beyond—reveals why the old equation of effort equals success is breaking down, and what leaders must unlearn to thrive in the age of AI. The Leadership Crisis Nobody Trained You For "No one ever really teaches you what it really takes to be a leader. You know what you do really well, but how do you help other people do that too? That's when I realized it comes down to becoming a really good leader."   Monica's origin story captures a universal struggle: being promoted for technical excellence, then discovering that leading people requires completely different skills. She spent her career at organizations like Goldman Sachs, Bank of America, Ernst & Young, and Google realizing that systems weren't built for everyone—and that the real work of leadership is redesigning those systems to unlock human potential. Today, through her company Flipwork, she helps leaders and teams become what she calls "agentic humans"—people who leverage AI to get ahead rather than getting left behind. The Command and Control Trap "Most leadership development still rewards the command and control archetype. The person who has all the answers, the decisive hero. But AI moves so fast that when you think you've fixed something, it changes the next day. Leaders are starting to become bottlenecks."   The research shows the problem clearly: middle management is where AI adoption stalls. These leaders cling to command and control because relinquishing it feels like losing their value. Worse, they have an unspoken fear of managing AI agents—they don't want to be liable for outputs they don't fully control. Monica reframes this: treat your AI tools like an artificial intern, not artificial intelligence. You wouldn't take an intern's first draft and hand it to leadership. You train them, provide context, and finesse the output. The same discipline applies to LLMs. Rewriting the Success Equation "Effort = success is the old equation. That's pre-AI. The new equation is impact equals success. Output equals success, and impact equals worth."   This might be the most important shift leaders need to make. When tasks that took 4 hours now take 30 minutes, deeply conditioned beliefs about work ethic get threatened. Monica sees leaders questioning their worth because they're producing faster. "I was always taught I have to work twice as hard to get half as far," she shares. "Now what used to take me 10 hours, I can get done in 4. Am I not worthy anymore of being a high performer?" The answer is to measure impact, not effort—and that requires rewiring beliefs that may be decades old. Why Individual AI Adoption Doesn't Scale "Teams are using AI as individual contributors, but they aren't using AI in their actual workflows and the handoffs. That's why leaders are scratching their heads, like, why aren't we seeing the ROI bubble up into the team?"   Here's the gap most organizations miss: individuals save an hour or two per day using AI for personal productivity, but the team never sees compounding benefits. The handoffs between team members remain manual. The friction points persist. Monica's solution is "flip labs"—90-day sprints where teams take one critical workflow, dissect it, and rebuild it with AI. Where can AI handle the $10 tasks so humans can focus on $10,000 decisions? Where should humans remain in the loop? IKEA did this with customer service, retraining displaced workers into design roles. Revenue increased without adding headcount. Leading Through Uncertainty "We're humans wired for certainty, but Agile is a system designed for uncertainty. That's where the behavioral psychology comes in—how do you help people move forward despite the uncertainty?"   The fundamental challenge is biological: our brains seek certainty, but the only certain thing now is that change will come faster than we can adapt. Monica works with teams to create psychologically safe spaces for experimentation—AB testing old workflows against AI-augmented ones, measuring outputs, and learning from failures. "Sometimes we learn more from the failures than we do the successes," she notes. The leaders who create permission for testing and learning will pull ahead; those who demand control will become the bottleneck that slows their entire organization.   About Monica Marquez Monica Marquez is a leadership and workplace AI advisor with 25+ years in people transformation. She coined the "returnship" at Goldman Sachs, helped found Google's Product Inclusion Council, and now guides leaders and teams to adopt AI, agile, and inclusion practices that drive results through her company Flipwork, Inc.   You can connect with Monica Marquez on LinkedIn and subscribe to her Ay, Ay, Ay! AI newsletter at themonicamarquez.com.

In this episode, Steve Fretzin and Evelyn Ackah discuss:Reframing challenges as opportunitiesBuilding security through owning your book of businessDesigning a firm around delegation and technologyProtecting culture by hiring and leading with intention Key Takeaways:Success begins with asking whether challenges are happening to you or for you. A growth-oriented mindset is not optional for entrepreneurs and rainmakers. Those who thrive train themselves to see obstacles as openings, not endings.Relying solely on servicing others' clients limits mobility and control. Developing your own clients creates long-term security and professional freedom. Rainmaking is a learnable skill built through systems, discipline, and study.High-value leaders focus only on work they alone can do. Everything else can be delegated, automated, or systemized through tools and virtual teams. Intentional tech stacks and strong delegation enable autonomy, even four-day workweeks.Skills can be trained, but values and attitude determine long-term fit. Toxic hires damage momentum and must be addressed quickly. Great leaders invest in coaches, mentors, and team development to sustain growth. "Your staff are your dream builders. They help you create your dream. And so you want to invest in them just as much as they're investing in your success." — Evelyn Ackah Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again. Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/ Thank you to our Sponsor!Rankings.io: https://rankings.io/Lawyer.com: https://www.lawyer.com/ Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/ About Evelyn Ackah: Evelyn Ackah is the Founder and CEO of Ackah Business Immigration Law, a cross-border firm representing corporations and professionals in Canadian and U.S. immigration matters. With more than 25 years of experience—including leadership roles in Big Law and at Ernst & Young—she delivers strategic, business-focused immigration solutions tailored to her clients' goals.Originally from Ghana and raised in Canada, Evelyn brings both personal insight and professional depth to her work in global mobility. She is passionate about legal entrepreneurship, leveraging technology and innovative systems to build a scalable, client-centered practice.Evelyn is also the host of the Ask Evelyn Ackah Immigration Lawyer podcast, where she interviews industry leaders on immigration and related business topics. Connect with Evelyn Ackah: Website: https://www.ackahlaw.com/Facebook: https://www.facebook.com/AckahBusinessImmigrationLaw/Twitter: https://twitter.com/Ackahlaw/LinkedIn: https://www.linkedin.com/company/ackah-business-immigration-law/ & https://www.linkedin.com/in/evelynackah/Instagram: https://www.instagram.com/ackahlaw/YouTube: https://www.youtube.com/channel/UCw7M2pQKwsRteq-nThuaELQ   Connect with Steve Fretzin:LinkedIn: Steve FretzinTwitter: @stevefretzinInstagram: @fretzinsteveFacebook: Fretzin, Inc.Website: Fretzin.comEmail: Steve@Fretzin.comBook: Legal Business Development Isn't Rocket Science and more!YouTube: Steve FretzinCall Steve directly at 847-602-6911 Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it.

In this episode, I speak with Kirsten Baker, CEO of Jeenie, Inc. (ranked No. 271 in 2025), a platform dedicated to breaking down language barriers through live interpretation. We explore the powerful intersection of AI innovation and the irreplaceable human element required for meaningful communication. Kirsten shares her perspective on building a culture of innovation, highlighting collaboration, embracing failure as a learning tool, and leading with purpose. We also discuss Jeenie's mission-driven approach to leadership, the importance of hiring for values alignment, and the successes of managing a diverse, fully remote team. Our conversation offers a compelling look at the future of Jeenie and underscores how effective leadership empowers people, nurtures creativity, and drives collective innovation. Episode Highlights & Time Stamps 2:08 Leading Innovation 10:23 Core Leadership Principles 16:35 Embracing AI in Business 17:35 Creating a Culture of Innovation 23:20 Wrapping Up Insights Follow me on Twitter @genehammett Website: www.genehammett.com About Kirsten Baker Kirsten Brecht Baker is CEO & Co-Founder of Jeenie, an AI+Human multilingual and multicultural platform powering the next generation of smart-tech and AI for more inclusive communication. A Wharton MBA and serial entrepreneur, she has built and scaled ventures across SaaS, tech, and global market development. She is an Ernst & Young 2025 Entrepreneur of the Year, and made the top lists of Forbes, Inc., and Fast Company for leading in equity, innovation, and human connection. She is also a member of YPO, the SAFE-AI Task Force, INC. Leadership Forum, and Fast Company's Impact Council. How to Connect with Kirsten Baker: LinkedIn: Kirsten Baker  https://www.linkedin.com/in/kirsten-brecht-baker/ Company Website: Jeenie, Inc. https://jeenie.com/ Resources & Next Steps Ready to take your leadership energy to the next level? Explore free training and resources at training.coreelevation.com to help you identify energy leaks, strengthen your leadership presence, and elevate your team's performance.

1686 Wesley Read - PracticeCFO and Practice Orbit : Dentistry Uncensored with Howard Farran   Wesley Read, CPA, CFP®, is the Founder and CEO of PracticeCFO and Practice Orbit, and a nationally recognized financial strategist for dental practice owners. A former Big 4 accountant at Ernst & Young, Wes left corporate accounting to focus exclusively on helping doctors run more profitable practices and build long-term financial independence through CFO-level guidance. Through PracticeCFO, Wes provides dentists with integrated accounting, tax, payroll, and financial planning services, pairing each client with a dedicated CFO Advisor who understands both their business and personal finances. He is also the creator of Associates On Fire, a free financial education platform for dental associates, and the host of The Dental Board Room Podcast and The Dental Practice Sale Podcast. Wes holds both bachelor's and master's degrees in accountancy from Brigham Young University and is Series 65 licensed.  

In this episode, we covered: 1) Pete's 4-part framework for modern leadershipPete lays out what he sees as “endemic” to great leadership today:Master cash flow (because nothing survives without it)Know whether you're a visionary or an integrator (and don't pretend you're both)Be the master motivator (the era of fear-based leadership is over)Own the culture (and use story as one of your most powerful tools to shape it) 2) Storytelling as culture-engineeringWe dig into why stories are more than “nice to have.” Stories become the myths that create the mythology of a company—how values become behavior at scale. And if you want to influence culture, yesterday was easier than today. 3) The next AI infrastructure shift: from training to inferencingPete breaks down the difference between:Training LLMs (building the model)Inferencing (asking the model questions in real time—what most people experience as “prompting”)Then he takes it further: the next wave isn't human inferencing—it's machine inferencing. Robots, cars, devices, sensors… constantly asking “what do I do next?” at massive scale. 4) Why “edge” data centers are coming backPete predicts we'll move away from only massive, centralized “mega” campuses toward distributed, high-performance data centers near the edge—“in every town,” similar to telecom “points of presence” in the 1990s. That's the strategic thesis behind Gray Wolf Data Centers.   5) The modern mystic: mind, body, and the inner gamePete shares a candid chapter of his own life—anxiety, therapy, CBT, and a pivotal lesson: don't make the events you can't control your “problems.” He connects this to resilience through sleep, health practices, and the belief that we can reshape the mind through neuroplasticity—and even how he sees us as “quantum beings,” responsible for how we observe and choose our reality. 6) A hopeful thesis: “good AI” vs “bad AI” + post-scarcityWe touch the fear many people carry (yes, I mention growing up in the Terminator era), but Pete offers a provocative counter: the way we beat bad AI is with good AI—models designed around human flourishing and shared broadly as a public service. He believes we're headed through disruption toward post-scarcity, and that our descendants will wonder why we didn't support each other sooner. 7) The closing leadership message: “we are all one”Pete's final note is the one that matters most to me: we're all connected—and we're here for each other. In my book, that's not just a spiritual idea; it's a leadership standard. ----- Resources Mentioned:Pete's company: Gray Wolf Data CentersPete's book: Living in Bliss: Achieve a Balanced Existence of Body, Mind and SpiritPete's site: PeteSacco.com (signed copies + meditation materials)Dr. David Burns: The Feel Good HandbookDan Sullivan: Who Not How (and other referenced works)Peter Diamandis: longevity reference ----- If you want to apply this immediately:Ask yourself: Am I the visionary or the integrator here? (And who do I need as my counterbalance?)  Choose one cultural value you care about—and tell a story that proves it.  If AI is making you anxious, zoom out: are you preparing for the training era, or the inferencing era?  ----- https://petesacco.comPete Sacco is a visionary entrepreneur, technologist, and modern-day mystic who blends conscious leadership with breakthrough innovation. As the founder of multiple ventures—including PTS Data Center Solutions, INTUVA, GRID7, InstaGuardIP, and Gray Wolf Data Centers—Pete has led transformative initiatives across AI, energy, blockchain, and digital infrastructure. His journey from electrical engineer to spiritual author and advisor reflects a rare fusion of high performance and inner awakening. Pete is the author of Living in Bliss: Achieve a Balanced Existence of Body, Mind, and Spirit, a guide for high achievers seeking fulfillment beyond success. A finalist for Ernst & Young's Entrepreneur of the Year, Pete holds a B.S. in Electrical Engineering from Fairleigh Dickinson University, and serves on the advisory board of its School of Computer Sciences and Engineering. Based in New Jersey, he helps purpose-driven professionals unlock clarity, vitality, and purpose—one system, one person, and one moment at a time.  --------John Bates provides 1:1 Executive Communications Coaching, both in-person and online. He also gets 92+ Net Promoter Scores for his large and small group leadership development trainings at organizations like Johnson & Johnson, NASA, Google, Intuit, Boston Scientific, and many more. Find more at https://executivespeakingsuccess.com.Sign up for his weekly micro-trainings for free at https://johnbates.com/mini-trainings and create a great leadership communications habit that makes you the kind of leader who inspires trust, loyalty, and connection.

David McKnight discusses the three assets he believes you really need for a stable, predictable tax-efficient retirement.  Getting them right will dramatically reduce the risks that derail most retirements: Market risks, sequence of returns risks, longevity risks, tax risks, and long-term care risks. Stock market investments, with a 70% total US stock market index and a 30% total international stock market index, are the first thing David recommends. He defines them as "Your growth engine, the one that pays for your discretionary expenses in retirement."  David goes over aspirational and shock expenses. A Fixed Index Annuity (or FIA) is the second asset you'll need in retirement. A FIA is the one asset that eliminates the longevity risk, the risk of living so long that you deplete all your other assets.  Then there's Index Universal Life Policy (or IUL). A recent Ernst & Young study found that retirement plans that included IULs, as well as FIAs, provided more income in retirement, a higher likelihood of money lasting through life expectancy, and more money to heirs over the investment-only approach to retirement." Remember: If you withdraw money from your stock portfolio in a down market, you lock in losses and your portfolio has a much harder time recovering.  In other words, the IUL acts as your retirement shock absorber. Did you know that, because of its safe and productive growth, the IUL can serve as what we call a "volatility buffer" in retirement?  And there's more! In fact, an IUL can also serve as a bond alternative during the accumulation years – but without the interest rate risk or bond price volatility. David sees IULs as the most dynamic asset of them all – it's your volatility buffer, your bond alternative, and your long-term care safety net.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ken Fisher Ernst & Young

This week on Second Act Stories, we're featuring a series called "Rewriting the Playbook." This group of episodes features guests whose journeys share a common connection to sports, sometimes front and center, sometimes quietly shaping the path forward. In these conversations, the influence of competition, teamwork, and discipline shows up in different ways, informing career pivots and personal reinvention. Together, these stories explore how the lessons learned on the field can echo long after the final whistle, guiding second acts that are anything but predictable. Mike Huber had a 20-year career as a top consultant with Ernst & Young, Cushman Wakefield and KPMG. His focus was in the area of site selection consulting – helping major companies like Samsung, Time Warner and Bausch & Lomb find new business locations. He worked hard and made a very good living. But over time he became frustrated with the corporate rat race and began to ask, "is this the right career for me?" He went back to school, got a masters in Sports Psychology and became a mental performance coach. Today he works with middle-school and high school athletes helping them improve their mental fitness and game performance. Mike took a major cut in compensation to launch Follow The Ball, his new consulting practice. But he is so much happier in his new line of work. ******* If you enjoy Second Act Stories, please leave us a review here. We may read your review on a future episode! Subscribe to the Second Act stories Substack. Check out the Second Act Stories YouTube channel. Follow Second Act Stories on social media: Facebook LinkedIn Instagram Second Act Stories theme music: "Between 1 and 3 am" by Echoes.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this first episode of 2026, Justin interviews Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine. They discuss major cyber events of 2025, court rulings on AI fair use, and what risk professionals should take away about AI training data and intellectual property. They discuss regulations about forever chemicals or PFAS and what to look for in 2026 and beyond as these regulations change. They discuss the U.S. government shutdown of October and its residual effects.   Listen for a call for content submissions for RIMS Risk Management Magazine.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our first episode of 2026. We're going to look forward and back, and who better to do that with than Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine? [:44] We will discuss some of the top risk management stories of 2025 and what they might mean for 2026. There's so much to discuss, from forever chemicals to AI! But first… [:55] RIMS-CRMP and Some Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. This is the last call for "Intro to ERM for Senior Leaders". It will be held on January 8th, led by Joe Mayo. [1:24] On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:35] On February 4th and 5th, Ken Baker will return to deliver the course, "Applying and Integrating ERM". [1:45] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:57] RIMS members always enjoy deep discounts on the virtual workshops. [2:06] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:19] You can enroll now for the next cohort, which will be held over 12 weeks from April 14th through June 23rd. Links to registration and enrollment are in this episode's show notes. [2:34] On with the show! The annual Year in Risk Review edition of RIMS Risk Management Magazine is now available. Visit RMMagazine.com for more information. [2:47] We're going to pick up where we left off with Morgan O'Rouke and Hilary Tuttle of RIMS Risk Management Magazine and the RIMS Publication Department. [2:54] Feel free to check out Episode 371 to get caught up as we discuss natural catastrophes and their impact on the landscape. [3:04] In this episode, we're going to talk about AI, PFAS forever chemicals, and how you can contribute to RIMS Risk Management Magazine in 2026. [3:14] Risk Management Magazine is an Azbee award winner, so you are hearing insights from the best in the business of risk management reporting. Let's get to it… [3:24] Interview!  Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast! [4:01] The Year in Risk 2025 Edition of RIMS Risk Management Magazine has been on digital shelves for a few weeks now. We're going to look a little bit forward and backward. [4:34] Data Privacy Day comes up on January 20th every year. All eyes turn to cyber. At RIMS, all eyes turn to Hilary because she is the cyber guru. Hilary thinks every day of the year is Data Privacy Day. [5:15] Hilary says, in the Year in Risk edition, they talked about 2025's Amazon Web Services outage, which took about 70,000 companies offline. It's a solid example of third-party risk and vendor security risks. [5:31] The economic impact of the outage was estimated to be in the billions of dollars, in terms of lost business and business interruption. Hilary said the AWS outage lasted about 16 hours. [5:53] It's a good reminder of vendor concentration risk in cloud services. The cloud services market has three major vendors; Amazon has about 30% of the market. If Amazon goes down, that's a significant number of clients who are at risk. [6:10] Hilary says insurers are not at real risk for this outage. A lot of cyber coverage has provisions for outages with waiting periods of eight to 12 hours. Your insurer might come in for the end of that situation, but most of it is on the insured. [6:38] For insurers and reinsurers, it was a pretty mild event. It's not going to cause huge changes in capacity or rates. It is a reminder that a lot of the risk is going to be on you, depending on the factors that are involved and the vendors that you pick. [6:58] There was also the Marks & Spencer ransomware incident that impacted their stores and online services. They sell about four million Great British pounds a day of products online. Their website was down for three months because of the ransomware event and recovery process. [7:29] Marks & Spencer had to go to pen and paper for in-store sales, and they operate hundreds of stores. It also caused inventory problems. It was a huge increase in waste because they didn't have ways of tracking or selling all of their inventory of food and other goods. [7:45] The cost to Marks & Spencer was estimated to be about three hundred million Great British pounds. [7:53] 2025 was a big year for cyber. Some other British retailers had some issues that have had retailers around the world taking note. [8:04] Morgan was interested in the Jaguar Land Rover case. Since Morgan was a child, he wanted a Jaguar for the hood ornament. If they're taken offline, how is Morgan ever going to get himself a Jaguar? [8:35] Hilary says, You and a lot of other customers, because they had to take all of their very automated production offline for a while. Parts and Sales were interrupted. They saw quarterly revenues drop around 24%, year-over-year, a difference of several hundred million pounds. [8:58] Morgan says it becomes a little bit the same. It doesn't mean that it's not important. It's one of those things we encounter with perpetual risks, whether it's disasters or cyber. [9:12] When they're always happening, they tend to get overlooked until some marquee event like an Amazon Web Services outage takes down a lot of people, or a company is taken offline for months and has to go back to pen and paper. That's not easy at large volumes. [9:38] The underlying current of the risks you have to deal with still needs to be a part of your day-to-day mitigation exercises.  [9:59] Hilary says The more things change, the more things stay the same. [10:18] Morgan says There is a broader perspective to everything. A risk is not just going to affect you; it's going to affect people down the line who are connected to your business. A cybersecurity event that happens over here is bound to have an impact on you, in some way. [10:35] Hilary says concentration risk is an increasing issue, and dependency is an issue. We have allowed some of the market players to become so large that the impact, if anything happens to them, is astounding. [10:50] There are advantages in having a large company as your vendor, but there's also a certain amount of instability in the lack of control you have in what's going on upstream. There's a lot that can happen downstream, to you. [11:26] Hilarity may attend a Black Hat conference this year. From that, she may see what is coming several years down the pike. [12:00] Justin says that AI is omnipresent. Regarding AI, in 2025, courts ruled on Fair Use. Multiple lawsuits were filed, and major settlements were reached. One lawsuit about scrubbing user data came from violating the Terms of Use, rather than copyright infringement. [12:44] Morgan says companies that use AI or are creating an AI should be looking at the emerging liabilities and governance challenges of AI. [12:55] There were a lot of cases. Two cases discussed in the Year in Risk 2025 were about Anthropic and Meta being sued by groups of authors. The courts ruled in both cases that if the AI made substantial changes to the material, they could use it under Fair Use. [13:32] The cases weren't definitive that you have an open free-for-all. Anthropic was guilty of using pirated materials from the authors to train its AI. Anthopic settled by paying $1.5 billion to the authors. The ruling was that you can use material that you get legally, by paying for it. [14:14] There are ways that the AI companies may be held accountable. There are 40 to 50 cases from every manner of media that may be adjudicated differently. It may come down to the sense of the case. There is some precedent set by one case. [14:36] Morgan says, from a content creator perspective, it's heartening that copyright is protected. Hilary says it's disheartening that larger companies like Disney have more negotiating power in what they allow AI to use, but smaller companies may not have as much power. [15:52] Morgan says the New York Times has licensed individual pieces for AI to use. [16:06] If the company creating AI doesn't have an agreement with a content creator, in a lot of court cases, the settlement ends up being a licensing agreement to use the content. [16:19] There's somewhat of an inevitability to the use of AI. You can't do anything about it, so you might as well get on board and get your piece. AI will take a little getting used to. [16:56] Morgan says their future coverage of AI will be less about the promise of AI and more about how to use AI responsibly in your business. What are the risks of AI in your business? [17:37] Everybody's doing it anyway, and risk depends on the level of fact-checking or information verification you are doing when you're putting together anything from an email to an RFP for a new vendor. You don't lose sight of the ball just because it's been around a few years. [17:58] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [18:20] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [18:35] Let's Return to Our Interview with Morgan O'Rourke and Hilary Tuttle! [18:52] Justin brings up forever chemicals. They're in a lot of the things he drinks. The foods that he eats have consumed the same water. Executives in Italy were sentenced for not doing enough about them. In the U.S., the Trump administration started regulatory rollbacks. [19:47] Justin mentions the RIMS webinars about forever chemicals, showing that if we don't work to curtail PFAS, they will have a lasting, harmful effect. [20:21] Morgan says environmental liability for PFAS has been a topic of discussion for a few years. [20:52] The discussions are around how PFAS will be regulated from a business standpoint, and what that means for my company. How do I need to report them? How do I need to mitigate it and clean up the systems I am responsible for? [21:05] Morgan reports that in Italy, 11 executives were sentenced to a total of 141 years in prison for polluting the groundwater in an area of Italy. Studies showed that over time, there were thousands more cancers and cases of cardiovascular disease because of this pollution. [21:35] Morgan says, That's the extreme side of it. It's what everyone wants to prevent. A lot of other countries and U.S. states are passing regulations banning or restricting PFAS. In 2025, in the U.S., some regulations were softened or paused. [21:59] Hilary says there were various efforts to soften different regulations. Morgan explains that it was mainly for the costs to businesses. From the business standpoint, it's going to cost money to mitigate or report whatever the requirement is. [22:14] Morgan says, It's not that restrictions were taken off the table, but it's concerning from a public health standpoint that they are slow-walking PFAS regulations. Morgan would like to think that just because a regulation is paused doesn't mean it won't be put into effect soon. [22:56] Hilary says when she was in Calgary, in the fall, there was a session specifically on PFAS litigation, because Canada has also passed some measures on this. It's a solid reminder that other countries are starting to pick up on this regulation. [23:17] In terms of compliance with what can or can't be used in product development, it's good to keep in mind some of these emerging regulations and the direction they are going. Remediation is definitely a component of it. [23:33] In product development and new product releases, and product reformulations, it is often more expensive to figure out how to use substances that are not the PFAS that have been used for a long time, but that is the direction in which some businesses need to be looking. [23:49] Morgan says, We did it with asbestos, years ago. PFAS started as a health concern, but it is a business concern. If you're responsible for injuring people, as we saw in Italy, you could go to jail. It doesn't mean that will happen in every country, but it doesn't mean it won't. [24:19] Hilary thinks it will be interesting to see what moves the needle in different countries, as there are different business climates in different parts of the world. The United States is a lot more litigious than a lot of other cultures. Some of the regulations are being driven by lawsuits. [24:30] Other places are focused more on compliance, where there's more of a sense of social good, like the Nordics, or parts of Western Europe, Hilary says, where some regulations coming from the government will be enough to move the needle. [24:58] Multinational companies will need to be aware of the regulations in different countries and decide if they will make products for a specific country, restrict sales in that country, or reformulate their offerings. [25:12] Morgan says the idea that there is an acceptable level of PFAS in the water is what bothers him the most. Hilary says there are risks more direct than water. You're cooking your food in PFAS. You have fire blankets to keep your children safe in the wake of wildfires. [25:38] Things that you take for granted, that are serving a function, have the forever chemicals because they serve the function. Waterproof shoes, for example. You're relying on the benefit, but you're not necessarily thinking about the risks that you're introducing. [25:54] Morgan says that it's all about the concentration of things. PFAS are in whatever you consume. At a certain point, it becomes harmful. Hilary says, You might buy one pair of waterproof shoes, but what if everyone does, and they all end up in landfills and cause runoff? [26:39] It's a personal risk vs. a collective risk issue. It's a short-term risk vs. a long-tail risk issue. Hilary and Morgan discuss tapwater. Ignorance is bliss. It's a long-term risk. [27:11] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [27:30] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [27:47] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [27:53] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [28:09] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [28:30] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information. [28:42] Let's Return to the Conclusion of Our Interview with Morgan O'Rourke and Hilary Tuttle!  [28:59] RIMS Risk Management Magazine is looking for risk managers, business professionals, and legal professionals to contribute by way of articles and share their knowledge. [29:21] Morgan says We're looking for articles talking not just about the risk, but about what a risk manager can do about the risk. The actionable part of the article describes the risk management. We're trying to help our risk manager readers do their jobs better. [29:44] If you're looking to contribute something, share your knowledge. How did you deal with this risk that you are encountering? What are the steps that you recommend people take to mitigate that risk? [29:58] That ends up being the most successful article. It accomplishes our mission most clearly. [30:06] Hilary adds, if there is something that has come up at work that surprises you, as a seasoned risk professional, it may be new, emerging, or surprising to someone else. [30:18] Sharing your expertise with your colleagues is something we are always looking to do, and we're happy to help you figure out how to do it. [30:34] Justin says When we attend a RIMS event, we have a chance to mingle with our members and the attendees. People have come up to me and said they listen to the show, and they would love it if I would do an episode on "this." [30:54] One that stood out to Justin is amusement park ride safety risk. He plans to do an episode on that in the summer. [31:13] Hilary says, We love a novelty risk. They have done articles on water parks and ski resorts. Morgan says everybody's got a risk they're facing. Hilary wrote a blog post years ago about bouncy houses. Justin did an episode on hot air balloons. [31:35] Morgan recalls doing an article on microbreweries, and a brewery sent them a six-pack. He'd like to do pizza risks next, maybe do a full spread! [32:07] Justin says, We do want to give you a forum to share your knowledge, experience, and recommendations on how to mitigate a risk or tackle it head-on, or a new idea for a strategy on an emerging risk. [32:25] Margan says some of those things may start as an article and later become a podcast episode. It's key to provide content that RIMS may be looking for, in general. It all starts with reaching out to Morgan or Hilary with an idea. [32:44] Hilary says if you've put together a PowerPoint for a presentation, you probably have a pitch. Morgan says, You've basically got an article or a conversation started. If it's worthwhile to share with a conference audience, it's worthwhile to share with everybody. [33:01] When Hilary meets a risk manager, her favorite questions to ask are What is the most unexpected risk that you've dealt with? What is the number one risk that you've dealt with? What did you not think that you'd be spending your days on? [33:17] Hilary met a risk manager who worked for a group of public universities. He said the biggest unexpected problem that he deals with is kids riding motorized scooters on sidewalks or leaving them for people to trip over. Ebikes catch on fire. 100 kids a year get hurt from them.  [33:56] Hilary says, If you have a situation like that, if there's a risk that you never expected, if nothing else, we'd be really interested to hear about it. [34:05] There are so many topics from 2025 to check out in the Q4 edition of RIMS Risk Management Magazine at RMMagazine.com now. [34:26] In October, the longest U.S. Government shutdown in history occurred. This led to a 10% cut in air traffic capacity and a lapse in the NFIP, which is one of RIMS's top legislative priorities. Once the government reopened, the NFIP was reauthorized until the end of January. [35:06] The NFIP has been kicked down the road for a shorter period than anyone really wants. This was one of the few times it has been allowed to fully lapse. It leaves claims up in the air. [35:46] Homeowners, buyers, and developers in high-risk areas can't get federally-backed mortgages without flood insurance. The lapse put a lot of property purchases in peril or on hold. Morgan says there wasn't a big run on claims in the last 40 days, but there could have been. [36:28] Hilary points out that real estate developers couldn't sell homes in that period in areas where flood insurance is required. There are business impacts that are not storm-related. [37:01] The shutdown had an enormous human toll with people losing jobs or being furloughed and going without money, not being able to pay rent, mortgage, or childcare. SNAP was cut for a significant period. [37:30] Ernst & Young estimated the hit to the GDP as 1 to 1.5%, or a loss of $7 to $14 billion of economic output that would not be made back up after the government reopened. It was a disruption with long-term implications. [37:57] Morgan says We're coming up on another fight as the reopening of the government only lasts until the end of January. If there is debate, as there always has been, we'll go through this process again. How long will that take? Have we learned from our mistake two months ago? [38:22] Morgan says uncertainty is never good for the economy or for our mental well-being. [38:31] Justin says, we're going to cap the conversation for now, and invites Morgan and Hilary back in about five months for the 2026 Mid-year Risk in Review. [38:42] It's been such a pleasure to be rejoined by you here on RIMScast. Everyone can go to RMMagazine.com, and you're already hard at work on Q1 2026, right? Morgan says we put up new articles every week. There's always something new. The digital issues come up every quarter. Check your email inboxes for Editor's Picks, which we will send out once a month! [38:22] Morgan says those are ways to check us out or be reminded that we're out there providing you with information that you can use. [39:30] Morgan says, for RIMS members, there is the RIMS Now newsletter we send out to members quarterly with RIMS-centric news. [39:52] Justin says, It's been a pleasure, and I look forward to seeing you both, hopefully at RISKWORLD in Philadelphia! [40:13] Special thanks again to Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management Magazine and the RIMS Publications Department for joining us here on RIMScast. Remember to listen to Part 1 of this interview, via the link in this episode's show notes. [40:19] Visit RMMagazine.com to check out the Year in Risk feature and the Q4 edition of RIMS Risk Management Magazine. This is reporting from the best in the profession. You can't get any better than RIMS Risk Management Magazine. [40:37] Morgan and Hilary will return for the Mid-year in Risk episode of RIMScast, so subscribe to RIMScast today, don't miss it! [40:44] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [41:11] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [41:29] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [41:46] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [42:01] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [42:15] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [42:27] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Risk Management Magazine: Year In Risk Edition | Feature Article RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management Magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep January 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Intro to ERM for Senior Leaders" | Jan 8! — LAST CALL! "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026 "Applying and Integrating ERM" | Feb 4‒5 "Facilitating Risk-Based Decision Making" | March 4‒5, 2026   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "Year In Risk 2025 with Morgan O'Rourke and Hilary Tuttle" "Mid-Year Update 2025: RIMS Legislative and Risk Management News" "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Morgan O'Rourke, RIMS Director of Publications and Risk Management Magazine Editor in Chief Hilary Tuttle, Managing Editor, Risk Management Magazine   Production and engineering provided by Podfly.  

What if the same mindset that builds nine-figure businesses could also create a happier, healthier life?   In this episode of Sharkpreneur, Seth Greene interviews Pete Sacco, Entrepreneur, Technologist, Modern Day Mystic, is the author of Living in Bliss: Achieve a Balanced Existence of Body, Mind, and Spirit, who shares how his own low point—facing poor health and personal unhappiness despite career success—sparked a complete transformation that reshaped both his life and his company. He reveals the framework behind his “Commit, Learn, and Do” philosophy and how understanding superpowers, core values, and balance can turn ambition into fulfillment.   Key Takeaways: → How each stage of expansion requires new structures, mentors, and sometimes new team members. → Why it's vital for entrepreneurs to evolve from being business operators into strategic thinkers and investors → How professional success without personal fulfillment is a form of failure. → Why it's crucial to practice gratitude, reframe expectations, and find daily moments of wonder. → How clarity, collaboration, and alignment are more important than control.   Pete Sacco is a visionary entrepreneur, technologist, and modern-day mystic who blends conscious leadership with breakthrough innovation. As the founder of multiple ventures—including PTS Data Center Solutions, INTUVA, GRID7, InstaGuardIP, and Gray Wolf Data Centers—Pete has led transformative initiatives across AI, energy, blockchain, and digital infrastructure. His journey from electrical engineer to spiritual author and advisor reflects a rare fusion of high performance and inner awakening. Pete is the author of Living in Bliss: Achieve a Balanced Existence of Body, Mind, and Spirit, a guide for high achievers seeking fulfillment beyond success. A finalist for Ernst & Young's Entrepreneur of the Year, Pete holds a B.S. in Electrical Engineering from Fairleigh Dickinson University. He serves on the advisory board of its School of Computer Sciences and Engineering. Based in New Jersey, he helps purpose-driven professionals unlock clarity, vitality, and purpose—one system, one person, and one moment at a time.   Connect With Pete: Website: https://petesacco.com/ Instagram: https://www.instagram.com/petesaccoofficial TikTok: https://www.tiktok.com/@petesacco X: https://x.com/PeteSaccoCEO LinkedIn: https://www.linkedin.com/in/petertsacco/ YouTube: https://www.youtube.com/@PeteSaccoCEO   Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Steve Fretzin and Charlie Gaudet discuss:Moving beyond hard work toward sustainable growthEscaping the founder-centered business modelOutperforming talent using systems Protecting time as the highest-leverage asset Key Takeaways:Hard work eventually becomes a liability when it replaces strategy, systems, and recovery. Sustainable growth requires designing the business so it scales without destroying the founder's health or capacity.Businesses stall when the founder becomes the bottleneck for decisions, delivery, and growth. Long-term scale only happens when systems and teams replace heroic individual effort.Top performers win not because they work harder, but because their systems reduce variation and create consistency. Documented, measurable processes turn small improvements into repeatable, compounding gains.Return on Time matters more than effort, activity, or hours worked. Delegation, automation, and pricing strategy free leaders to focus on high-impact thinking instead of constant execution. "They have to look at ROT, which is return on time… Where are they spending the time, and how do they maximize their time?… Raise your rate… leverage AI… More and more attorneys are able to get more done in less time when they can leverage AI in the right way." —  Charlie Gaudet Check out my new show, Be That Lawyer Coaches Corner, and get the strategies I use with my clients to win more business and love your career again. Ready to go from good to GOAT in your legal marketing game? Don't miss PIMCON—where the brightest minds in professional services gather to share what really works. Lock in your spot now: https://www.pimcon.org/ Thank you to our Sponsor!Rankings.io: https://rankings.io/ Ready to grow your law practice without selling or chasing? Book your free 30-minute strategy session now—let's make this your breakout year: https://fretzin.com/ About Charlie Gaudet: Charlie Gaudet is the author of “The Predictable Profits Playbook: The 7- and 8-Figure CEOs' Guide to Generating Consistent and Sustainable Growth“ (voted #1 Book on Sales & Marketing by Indie Excellence) and host of The Beyond 7-Figures Podcast.The International Business Times called him “The Go-To Business Coach for 7- and 8-Figure Businesses” and perhaps the “busiest sales coach in the US.“GritDaily said Gaudet is: “regarded in entrepreneurial circles as one of the top coaches for helping entrepreneurs surpass the seven and eight-figure mark.”Yahoo Finance referred to him as: “The CEO Whisperer.”CEO Weekly said he was one of the top 10 “Innovative CEOs to Follow.”And he's listed at the top of several “Best Business Coach”  lists.He's been an entrepreneur since the age of 4, created his first multi-million dollar business at 24, and has helped others generate millions with his strategies.He's received numerous awards and recognition (including founding a company named as “One of the Best Seed Stage Companies” by Ernst & Young), received his Certificate of Leadership Development from The US Army War College and has his business advice featured around in the world – including Inc., Forbes, Salesforce, Success, Entrepreneur, and Fox Business – as well as on podcasts and radio.He was named one of American Genius's Top 50 Industry Influencers.He trains in Brazilian Jiu-Jitsu (two gold medal finishes) and is a 3-time wrestling state champion. He lives in Florida with his beautiful wife, three adorable kid-preneurs, and one badass dog. Connect with Charlie Gaudet:  Website: https://predictableprofits.com/  Connect with Steve Fretzin:LinkedIn: Steve FretzinTwitter: @stevefretzinInstagram: @fretzinsteveFacebook: Fretzin, Inc.Website: Fretzin.comEmail: Steve@Fretzin.comBook: Legal Business Development Isn't Rocket Science and more!YouTube: Steve FretzinCall Steve directly at 847-602-6911 Audio production by Turnkey Podcast Productions. You're the expert. Your podcast will prove it. 

Where is AI headed, and how can it drive real growth instead of just efficiency? In this special CES Tech Talk episode, host Melissa Harrison sits down with EY leaders Hyong Kim and Dan Diasio to explore how companies can move beyond cost-cutting and start reinventing their business models with AI. From global adoption challenges to the human skills that will define the future, this episode dives into why mindset matters as much as technology — and what's next for AI at CES.

In this episode, Blake Hall, CEO of ID.me, discusses the massive escalation in online fraud driven by generative AI, noting that attacks have evolved from "Nigerian prince" scams to sophisticated, scalable social engineering campaigns that threaten even the most digital-savvy users. He explains that traditional knowledge-based verification methods are now obsolete due to data breaches, shifting the security battleground to biometric and possession-based verification. Hall details how his company uses advanced techniques—like analyzing light refraction on skin versus screens—to detect deepfakes, while emphasizing a "best of breed" approach that relies on government-tested vendors. Beyond the threats, Hall outlines a positive vision for a digital wallet that functions as a user-controlled "digital twin," allowing individuals to share only necessary data (tokenized identity) rather than overexposing personal information. He argues that government agencies must play a stronger role in validating core identity attributes to stop synthetic fraud and suggests that future AI "agents" will rely on cryptographically signed credentials to act on our behalf securely. Ultimately, he advocates for a model where companies "sell trust, not data," empowering users to control their own digital identity across finance, healthcare, and government services. Blake Hall is the Co-Founder and CEO of ID.me, a digital identity network with over 150 million members that simplifies how individuals prove and share their identity online. A former U.S. Army Ranger, Hall led a reconnaissance platoon in Iraq and was awarded two Bronze Stars, including one for valor, before earning his MBA from Harvard Business School. He has been recognized as CEO of the Year by One World Identity and an Entrepreneur of the Year by Ernst & Young for his work in pioneering secure, user-centric digital identity solutions. Transcript He Once Hunted Terrorists in Iraq. Now He Runs a $2 Billion Identity Verification Company (Inc., November 11, 2025) "No Identity Left Behind": How Identity Verification Can Improve Digital Equity (ID.me) 

Today, I have the pleasure of speaking with Marcy Brajkovic and Stephanie Rosenberg. Marcy is the President and Owner of Chatfield Global LLC, a boutique consulting firm specializing in Human Resources and Organizational Effectiveness. And Stephanie is the Director of Talent Development at Chatfield Global. With over 20 years of experience at companies like Ernst & Young, PricewaterhouseCoopers, SC Johnson, W.W. Grainger, Anixter (now Wesco), and Hospira (now Pfizer), Marcy has helped organizations — from family-owned manufacturers to Family Offices to Fortune 50 enterprises — align human resources practices and talent development with organizational strategy. A certified Senior Professional in Human Resources, Lean Six Sigma Black Belt, and Kaizen facilitator, she brings a "build, grow, and serve" mindset and practical expertise to workforce development, organizational change, and leadership coaching. Stephanie has over 16 years of experience in talent development and business transformation and brings deep expertise in career coaching, leadership development, and change management. She has led programs in early careers, succession planning, and training for teams of 10 to 500+, as well as large-scale business initiatives at a major retailer. Today, she partners with family offices and professional services firms across the full employee lifecycle, helping them attract, develop, and retain high-performing teams. Marcy and Stephanie, and their firm Chatfield Global, are Specialist Advisor members for FOX and we are grateful to have their expertise within our membership community. We start with Marcy and Stephanie's collective view on the HR function in family offices today. They describe how family offices are designing and structuring their HR departments, how the function has evolved in recent years, and outline the most prominent trends that are reshaping HR and people strategy at family offices. Talent development is particularly challenging for family offices, given their small size and limited career paths. Marcy and Stephanie talk about how family offices handle talent development, including coaching, goalsetting, and performance management, and highlight the key challenges and opportunities families and their internal teams face in this realm. Marcy and Stephanie share their insights on some of the external resources available to family offices that they can leverage to strengthen their HR capabilities, develop and coach their people, and build a vibrant culture. They also offer for family office owners and leaders on how best to promote staff engagement, provide advancement opportunities, coach their executives, and promote a culture of both loyalty and excellence. Don't miss this highly insightful conversation with two of the most experienced and trusted human capital thought leaders and practitioners in the family office space.

David McKnight looks at what happened when NASCAR legend Kyle Busch reportedly lost $8+ million in what was supposed to be a tax-free retirement plan. The plan Busch relied on was built around an indexed universal life insurance policy. According to Kyle and Samantha Busch's lawsuit, they paid more than $10.4M into several IUL policies issued by Pacific Life Insurance between 2018 and 2022. While these policies were pitched as a safe, self-funding, tax-free retirement plan, things didn't go as promised…  Poor design, unrealistic expectations, a delayed 1035 exchange, and poor oversight are the key reasons why the Busch's retirement plan ended up belly up. "If you're going to do a 1035 exchange, make sure you do it at the start of the policy, not years into it", warns David. David goes over the lessons that can be drawn from the Busch's case. For instance, you should never enter into a contract that you don't understand, nor should you do an IUL if you can't overfund it from day one. David believes that you shouldn't rely on the IUL alone…  In his opinion, the Busch case is a cautionary tale about what happens when one strategy is positioned as a silver bullet retirement solution. In a balanced, comprehensive approach to tax-free retirement, which includes Roth IRAs, Roth 401(k)s, and Roth conversions, the IUL's purpose is not to carry the whole load, but rather to act as a shock absorber. A recent Ernst & Young study demonstrated that a retirement income strategy that incorporates IUL provides far more income than a strategy that calls for investments alone. David shares a few tips on how to avoid the IUL trap that the Busches unfortunately fell into.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com NASCAR Kyle Busch Samantha Busch Pacific Life Insurance  Ernst & Young

ChatGPT and Microsoft CoPilot are leading the enterprise AI adoption race, with 67% and 58% of businesses utilizing these tools, respectively, according to a study by the Wharton Human AI Research Program. This trend highlights a significant gap between these dominant players and competitors like Claude, Perplexity, and DeepSeek, which have much lower adoption rates. Despite the rapid integration of generative AI into corporate environments, a report from Salesforce indicates that 63% of business leaders consider their organizations data-driven, yet many express uncertainty about their data's reliability and the ability to generate actionable insights.Further complicating the landscape, a report from Ernst & Young reveals that while 75% of UK CEOs recognize the urgency of adopting generative AI, 68% admit to lacking a clear understanding of the technology. This disconnect poses risks for organizations as they navigate AI implementation, particularly in terms of data governance and the potential for costly mistakes in acquisitions and partnerships. The report emphasizes the need for IT providers to assist clients in validating vendors and ensuring responsible AI usage.In addition to enterprise AI developments, the episode discusses the shortcomings of current AI benchmarking practices, with only 16% of evaluated benchmarks employing rigorous scientific methods. This raises concerns about the reliability of claims made by AI vendors regarding their models' capabilities. The episode also highlights the cautious approach of small and medium-sized businesses towards AI in cybersecurity, with only 12% trusting AI to operate autonomously, primarily due to concerns over accuracy and data privacy.For Managed Service Providers (MSPs) and IT service leaders, the key takeaway is the importance of building trust in AI technologies. As the market sees an influx of new models, such as China's KimiK2, which claims to outperform established models at a fraction of the cost, the focus should be on validating these tools and ensuring they meet organizational needs. By prioritizing data governance and compliance, MSPs can position themselves as essential partners in helping clients navigate the complexities of AI adoption and implementation. Four things to know today 00:00 AI Goes Corporate: ChatGPT and Copilot Dominate Adoption as Leaders Struggle With Data Trust and Strategy04:53 Faulty AI Tests and Failing Trust: Oxford Study and Kaseya Report Expose the Gap Between Hype and Reality07:46 From Newsrooms to Courtrooms, AI Adoption Exposes a Trust Gap — and a New Opportunity for IT Providers11:11 AI Divide Widens: China's Free Kimi K2 Model Challenges GPT-5 While Google Locks Users Into a Data-Driven Ecosystem This is the Business of Tech.    Supported by:  https://try.auvik.com/dave-switchhttps://timezest.com/mspradio/

How has the rise of P3s in major infrastructure programmes impacted Canada since their adoption? In the past 30 years, the country has seen a significant transformation in the industry, from the rise of public-private partnerships, to the creation of governance like the Infrastructure Ontario Act, to the more recent implementation of alliance and collaborative models. Riccardo's guest, Damian Joy, has seen this development from its early stages. Damien's journey through what he calls his three careers—working with contractors on mega projects around the world, settling in Canada as a director at Balfour, and consulting with Ernst & Young—offers an excellent vantage point. With his wide-ranging knowledge and eagerness to continue growing his expertise, Damian is perfectly positioned to provide a well-rounded SWOT analysis.In this episode, the two civil engineers identify and break down the strengths, weaknesses, and opportunities of past and future social infrastructure projects in Canada. Their insightful and unfiltered exploration highlights the external impacts and internal sticking points that are carrying the country through its burgeoning building renaissance.Key TakeawaysThe origin and development of P3 across Canada;The importance of strong leadership and proactive governance in the success of mega projects;How P3 and UK knowledge transfer benefited contractors in Canada;The factors that affect a programme's success above and beyond the delivery format;The impact technology is having on infrastructure data management.Quote:“[P3s and alliance models] both have a role to play. I think there's benefits of both and the problem is not the model, it's when the model is used in the wrong place at the wrong time.”- Damian JoyThe conversation doesn't stop here—connect and converse with our community via LinkedIn:Follow Navigating Major Programmes: https://www.linkedin.com/company/navigating-major-programmes/Follow Riccardo Cosentino on LinkedIn: https://www.linkedin.com/in/cosentinoriccardo/Read Riccardo's latest at https://riccardocosentino.com/Follow Damian Joy on LinkedIn: https://www.linkedin.com/in/damian-joy-8174a3b/ Music: "A New Tomorrow" by Chordial Music. Licensed through PremiumBeat.

David McKnight focuses on three of the biggest names in personal finance – Dave Ramsey, Suze Orman, and Ken Fisher – and why you should be careful with following their advice. David emphasizes that anyone trying to wring the most efficiency out of their retirement savings should focus on advice that's backed by math… not soundbites. While David Ramsey is the right person for people who are making less than they are spending, the same can't be said for his retirement planning advice. For instance, he claims that 100% of cash value life insurance sucks 100% of the time.  For David, whenever someone gives you advice that claims it should be applied 100% of the time, you should run the other way! Remember: there's no financial strategy that works for everyone all the time. According to an Ernst & Young study, by contributing 30% of your retirement savings to an IUL, you'll dramatically increase your income in retirement over a stock market investing alone.  Citing E&Y, David explains an approach that shields you from the sequence of returns risk and that has a 95% chance of your money lasting as long as you do. David points out that most Americans don't have thousands of dollars lying around in savings accounts just to pay the taxes on a Roth conversion… David sees Dave Ramsey as someone who gives basic advice for people with basic problems and whose advice could potentially be catastrophic if you want to shield your retirement from higher taxes. When it comes to Suze Orman, David looks at her recent advice of keeping 3-5 years worth of living expenses in an emergency fund in retirement. While Orman is trying to safeguard against sequence of returns risk, she seems to be forgetting about inflation eating away at your purchasing power. As David shares his dislike of Orman's advice, he touches upon a resource that can double your sustainable withdrawal rate from 4 to as high as 8%. Ken Fisher, on the other hand, has become the face of the "anti-annuity crusade". The problem with Fisher's approach? He's primarily referring to variable annuities, completely disregarding fixed indexed annuities (which are a totally different animal). David discusses how replacing bonds with fixed annuities "can increase your returns, lower your risks, and give you a better outcome over time." Beware of financial gurus saying "I hate annuities", "100% of life insurance sucks 100% of the time", or "never pay taxes from your IRA"! In his latest book The Guru Gap, David takes a deep dive into the flawed logic of financial gurus, and gives the full story with the math, the context, and the strategies they conveniently leave out in their content and speeches.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Dave Ramsey Suze Orman Ken Fisher Ernst & Young

Cboe is restructuring to capitalize on surging U.S. options trading and has tapped an industry veteran to lead its new retail trading segment. Crain's finance reporter Mark Weinraub discusses with host Amy Guth.Plus: City Council calls special meeting to grill Ernst & Young over budget audit, quantum park developers seek IEPA sign-off to begin work, Chicago Fed's Goolsbee more worried by inflation than job market and Manny's Deli steps in to support SNAP recipients amid federal shutdown. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you have people whom you can lean on for accountability, encouragement, and exhortation? In this episode, Jeff and Dougal discuss: Going all in on spiritual formation in life's transitions. How Christ can heal the wounds of our past and use them to lift others.Three life habits: Model, Mentor, Message. Avoiding isolation.  Key Takeaways: Advice to high school seniors: When you go off to college, step it up big time. Not only will it be good for you and your relationship with the Lord, but it will be good for your grades, too. Spiritual formation, disciple making, and Bible studies can bring you more success in areas that are not obviously related.  Not all men in prison are bad people. Many made stupid decisions and don't want to continue making those decisions. Many are enthusiastic about life and are redeemed. A peer group, built on trust and accountability, can help you craft and understand your life's calling and purpose.   "Do not get isolated. You must have accountability. You've got to have eyeball to eyeball accountability with other men." —  Dougal Cameron Episode References: Prison Entrepreneurship Program: https://www.pep.org/Halftime: https://halftime.org/ About Dougal Cameron: Dougal A. Cameron is President of Cameron Management. Dougal began his career as an accountant with Arthur Young & Company (now, Ernst & Young). He was an asset and project manager with Gerald D. Hines from 1985 to 1991, where he was responsible for Central Business District Class A assets, including Bank of America Center, JP Morgan Chase Tower, Pennzoil Place, and One and Two Shell Plazas. From 1991 to 1994, Dougal was an owner and principal of a local money management firm. He purchased his first building, 3000 Richmond Avenue, in 1995 when he formed Cameron Management.Since then, Cameron Management has owned and managed buildings in Houston and San Antonio in both single ownership and joint venture partnerships. Dougal built a firm that owns, finances, leases, and manages all of its office buildings in an integrated fashion. He enjoys mentoring young entrepreneurs and encouraging others through service in both non-profit and Christian ministry organizations.  Cameron Management's Vision is to honor God and serve people. Its Mission is to be the standard of excellence in serving its tenants with rigor.  Its Values are based on integrity, teamwork, and freedom. Cameron Management is 100% owned by its employees. Connect with Dougal Cameron:Website: https://cameronmanagement.com/LinkedIn: https://www.linkedin.com/in/dougal-cameron-243875/   Connect with Jeff Thomas: Website: https://www.arkosglobal.com/Podcast: https://www.generousbusinessowner.com/Book: https://www.arkosglobal.com/trading-upEmail: jeff.thomas@arkosglobal.comTwitter: https://twitter.com/ArkosGlobalAdv Facebook: https://www.facebook.com/arkosglobal/LinkedIn: https://www.linkedin.com/company/arkosglobaladvisorsInstagram: https://www.instagram.com/arkosglobaladvisors/YouTube: https://www.youtube.com/channel/UCLUYpPwkHH7JrP6PrbHeBxw

On this episode of the Woodard Report podcast, Heather and Joe speak about the Supreme Court's pending decision on tariffs, how it could trigger massive refunds for businesses, and why accountants need to prepare now. They also discuss Ernst & Young's $1 billion investment in AI, exploring how automation might relieve staffing shortages while reshaping the profession. Current events — Refunds on Tariffs if Supreme Court rules them Unconstitutional Ernst & Young (EY) pledged $1 billion to advanced AI and workforce development TV/Movie quote of the week — RuPaul's Drag Race All Stars Joe mentioned Game of Thrones Excellent things we learned — The Case for Using Small Language Models The JOLT Effect: How High Performers Overcome Customer Indecision Member spotlight — Jane Watkins The Woodard Report article of the week — Better Questions. Better Hires. Stronger Firms. Thank you to our show sponsor, Zoho! Zoho is a unique and powerful software suite to transform the way you work, designed for businesses of all sizes, built by a company that values your privacy. Learn more about the show and our sponsors at Woodard.com/podcast

In this episode of The Audit Podcast, we're joined by Jessica Rogers, Global Internal Audit Leader at Ernst & Young. Jessica shares her journey to becoming a leader at one of the world's largest professional services firms and what it really takes to reach that level. From her passion for continuous learning to her forward-thinking approach to AI, Jess gives insight into how internal audit professionals can stay ahead. She also discusses how EY is rethinking training for nearly 400,000 employees worldwide in light of AI advancement and what that means for the future of the profession.    Be sure to connect with Jessica on LinkedIn.   Also, be sure to follow us on our social media accounts on LinkedIn, Instagram, and TikTok.   Also be sure to sign up for The Audit Podcast newsletter and to check the full video interview on The Audit Podcast YouTube channel.   Timecodes:   2:50 - What's in Jessica's ChatGPT History 9:52 - Jessica's Career Path 18:40 - Overcoming Bad Habits in Internal Audit 22:26 - GenAI 28:16 - Curiosity Is Essential 30:30 - Disrupting the Way We Train People in Internal Audit 35:06 - Making Training Fun 39:21 - Final Thoughts   *   This podcast is brought to you by Greenskies Analytics, the services firm that helps auditors leap-frog up the analytics maturity model. Their approach for launching audit analytics programs with a series of proven quick-win analytics will guarantee the results worthy of the analytics hype.  Whether your audit team needs a data strategy, methodology, governance, literacy, or anything else related to audit and analytics, schedule time with Greenskies Analytics.

How small business owners can unlock hidden profits by optimizing financial levers and making smarter money decisions. Show Notes Page: https://www.thehowofbusiness.com/579-business-poll-results/ Small business owners often focus on chasing revenue, but revenue does not always equal profit. In this episode, Henry Lopez is joined by Jamie Trull, CPA, financial literacy coach, and profit strategist, to discuss the essential profit levers that can transform a struggling business into a thriving one. Jamie shares her journey from corporate auditor at Ernst & Young and finance leader at Coca-Cola Enterprises to becoming a champion for women-owned small businesses. After leaving corporate life, she pivoted from one-on-one client work to scalable education programs and group coaching. Her mission is clear: help entrepreneurs understand their numbers and build profitable, sustainable businesses. Throughout the discussion, Jamie emphasizes that profit is simply the result of revenue minus expenses, but too many entrepreneurs focus on volume instead of fixing underlying financial inefficiencies. She breaks down profit levers such as price, average transaction value, and volume, showing why a simple 2% price increase can be more powerful than chasing dozens of new clients. Henry and Jamie also explore strategies for managing unprofitable products, such as re-pricing, reducing costs, and communicating value to customers when raising prices. They highlight how differentiation and branding help small businesses avoid competing on price alone. Debt strategy is another key theme. Jamie stresses that debt can be an effective tool when used wisely for investments and expansion, but warns against using it as a crutch to cover poor financial management. She compares debt to a snowball that can roll out of control if entrepreneurs aren't intentional about their borrowing. “Revenue is vanity, profit is sanity. Don't confuse the two.” – Jamie Trull Jamie also previews her upcoming book, Hidden Profit, releasing in October 2025, which offers actionable financial strategies for businesses scaling from $50,000 to $500,000 in revenue. This episode is a must-listen for aspiring and existing micro-business owners who want to improve profitability, strengthen financial foundations, and make smarter decisions about growth and debt. Jamie Trull is a CPA, financial literacy coach, and profit strategist who left a successful corporate finance career at Coca-Cola to help women-owned businesses take control of their money. Through online courses, group coaching, and now her new book Hidden Profit, Jamie empowers small business owners with the tools and confidence to improve profitability and achieve financial freedom. This episode is hosted by Henry Lopez. The How of Business podcast focuses on helping you start, run, grow and exit your small business. The How of Business is a top-rated podcast for small business owners and entrepreneurs. Find the best podcast, small business coaching, resources and trusted service partners for small business owners and entrepreneurs at our website https://TheHowOfBusiness.com

Today on the Invest In Her podcast, host Catherine Gray talks with Natalie R. Roberts, a global M&A strategist, CEPA-certified advisor, and founder of iKadre, a boutique advisory firm dedicated to helping women entrepreneurs strategically exit their businesses and plan what's next. With over 20 years of experience at top firms like Ernst & Young, HP, and Pearson, Natalie brings big-league M&A strategy to women-owned businesses, blending sharp financial insight with deep empathy. Her mission is to guide women through transformation by building long-term value and empowering them to redefine success on their own terms. In this episode, Natalie shares what it really means to “plan with the end in mind” and how the most powerful business moves often start with internal clarity. She discusses the keys to maximizing business value before an exit, including productizing services, reducing risk, and identifying the right buyers. Catherine and Natalie explore how women can take ownership of their financial future through smart strategy, intentional growth, and aligned transformation. Whether you're five years from selling or already eyeing the marketplace, this conversation is packed with insights to help you grow and exit on your own terms. Mentioned Website:

Join Phil Cooke as he interviews Leray Heyne, a visionary CEO and founder of Jesus Christ's CEOs, transforming the Christian Business landscape. https://philcooke.com This powerful conversation explores how Christian Entrepreneurs and business leaders can thrive in today's marketplace, influence culture, and lead with Kingdom values. Learn how to integrate faith and leadership, discover opportunities in the influencer marketplace, and turn your business into a true Kingdom business that impacts lives.  Whether you're an established CEO or just starting your entrepreneurial journey, this episode is packed with wisdom, strategy, and encouragement to help you succeed without compromising your faith. 

Governance, risk, and compliance (GRC) has long been burdened by heavy manual processes, slow assessments, and limited visibility. In this Brand Story episode, Sean Martin and Marco Ciappelli are joined by Anders Søborg, Co-Founder of Eve, and Mark Humphrey, who brings two decades of fraud and cybersecurity experience to the team. Together, they unpack how Eve is challenging traditional GRC tools by offering something entirely different: automation with evidence-based intelligence at its core.Anders shares how his experience as Chief Risk Officer and partner at major firms like Ernst & Young and PwC shaped Eve's mission. He describes a world where compliance doesn't have to mean complexity. Eve's AI engine evaluates more than a thousand controls in under 15 minutes—surpassing manual reviews that could take weeks—and goes a step further by offering recommendations, not just red flags.This isn't about replacing people. It's about helping overwhelmed compliance, risk, and audit teams regain control. Mark emphasizes how Eve operates like a true partner, delivering support with no ego and full transparency. Their approach combines deep regulatory knowledge, contextual AI agents trained on real-world frameworks, and a clear respect for data sovereignty and privacy—an essential requirement for global pharma, financial, and consulting clients already relying on the platform.More than a dashboard, Eve acts as an intelligent engine embedded into existing workflows via API, making it a natural complement—not a competitor—to existing GRC platforms. The platform is customizable, evidence-driven, and built with firsthand knowledge of what compliance professionals actually need: clear guidance, real-time answers, and fewer repetitive tasks.The episode leaves listeners with a compelling question: what if your compliance program could coach your team, reduce audit costs, and provide instant visibility—without sacrificing accuracy or control?Learn more about E-V-E GRC: https://itspm.ag/eve-grc-99Note: This story contains promotional content. Learn more.Guests:Anders Søborg, Co-founder, Director at E-V-E GRC | On LinkedIn: https://www.linkedin.com/in/anders-s%C3%B8borg-3826702/Mark Humphrey, Senior Sales and Channel Director EMEA at E-V-E GRC | On LinkedIn: https://www.linkedin.com/in/m-humphrey-mba-0020192b1/ResourcesRedefine Compliance. Unleash Your Potential with E-V-E GRC. Command Compliance: https://itspm.ag/e-v-e-i1mlLearn more and catch more stories from E-V-E GRC: https://www.itspmagazine.com/directory/evegrcLearn more about ITSPmagazine Brand Story Podcasts: https://www.itspmagazine.com/purchase-programsNewsletter Archive: https://www.linkedin.com/newsletters/tune-into-the-latest-podcasts-7109347022809309184/Business Newsletter Signup: https://www.itspmagazine.com/itspmagazine-business-updates-sign-upAre you interested in telling your story?https://www.itspmagazine.com/telling-your-story

Greg Selkoe has a storied history as a trailblazer in modern entrepreneurial ventures. As co-founder and CEO of XSET, Greg leads the company's vision of creating a gaming lifestyle brand and media company that redefines the digital landscape, connecting with the physical world. Under Greg, XSET seeks to lead a new youth culture through the connective tissue of gaming. Committed to inclusivity, innovation, and constantly evolving with culture (music, art, sports, fashion, etc.) and those who are at the vanguard of it, XSET's foundation is built on dynamic storytelling, fostering community, and empowering cultural leaders. Prior to XSET, Greg served as Co-Owner and the first President of FaZe Clan, where his strategic vision and leadership propelled the company from $0 to an impressive $36 million in annual revenue in 2 years, culminating in a personal financial exit at the peak valuation of FaZe Clan at $400m in 2020. His journey began by revolutionizing the e-commerce landscape with the founding of Karmaloop, a venture he nurtured from a fledgling startup into a streetwear retail titan, amassing over $1 billion in lifetime revenue under his tenure as CEO. Working with Pharrell Williams (Karmaloop Creative Director) and launching 2 other sub-sites, the Kazbah & PLNDR, which each did over $30M annually at their peak and the first YouTube channel launched by a retailer, KarmaloopTV. Karmaloop is 24 years old and still operating. Passionate about bridging socioeconomic gaps, Selkoe had a self-funded non-profit for 5 years called the FBA, run by Malia Lazu (former head of the Harry Belafonte Family Foundation) focused on diminishing the digital divide and fostering entrepreneurship in underserved communities. He is now launching the XSET Foundation, a new 501c3 organization where Selkoe aims to leverage the influential power of gaming and lifestyle to create inclusive opportunities and empower communities, integrating his business acumen with a strong sense of corporate social responsibility. A Harvard University M.P.P. graduate and 2016 Y Combinator alum, Selkoe has been honored as Ernst & Young's Entrepreneur of the Year in 2012, recognized as one of Goldman Sachs' 100 Most Intriguing Entrepreneurs, and included in the Summit Series Top 35 Entrepreneurs under 35 with an invitation to the White House. He lives in Boston with his wife, Dina (a Harvard-trained attorney and CLO of XSET), and his 2 young children. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big!   Connect with Greg Selkoe: Website: www.xset.com X: https://www.twitter.com/selkoe Instagram: https://www.instagram.com/selkoe LinkedIn: https://www.linkedin.com/in/greg-selkoe-3b9964ab                                                     *E – explicit language may be used in this podcast.

“Charisma is really about how we portray ourselves and engage with people on a deeper level.” In this episode, organizational psychologist Richard Reid talks to us about the power of charisma and why being charismatic may not mean exactly what you think it does. Learn about the difference between our System 1 and System 2 brains, how to unlock your charisma, and engage people to create the best outcomes for everyone.We also talk about how leaders can more effectively lead through crisis, why emotional intelligence is key and silence is underrated. Plus, so much more!“When we create space in conversations and validate positions, even if we don't agree with them, it makes people feel psychologically safe. When they do, they bring the best versions of themselves, speak up when they don't understand things, etc. When they don't, they shut down or leave.”Charisma is a continuum, as well as a leadership skill that can be developed. This episode is a great temperature check and place to tap into your charismatic leadership style.—Richard Reid is a highly qualified psychologist, coach, and organisational consultant with over twenty years of experience. He has consulted with several prominent organisations, including the City of London Police, Transport for London and the Witness Protection programme.In addition, he runs a boutique international practice that provides therapy, coaching, and psychology-related consultancy services to entrepreneurs, high-net-worth individuals, and C-Suite-level leadership. His particular spheres of interest lie in the areas of Trauma, Resilience, Workplace Culture and Charisma.Richard is a regular media spokesperson on channels such as Sky News, CNBC, BBC and ITV and has co-hosted the Sky One series "Extreme Phobias, Extreme Cures". Moreover, he is a published author with Penguin Books and a global keynote speaker.His corporate portfolio includes Sophos, Novartis, Ernst & Young, Cap Gemini and the Ministry of Defence.Learn more about Richard and his work by heading to richard-reid.com or connecting with him on LinkedIn.

Ernst & Young recently came out with a new updated study, which is likely to scandalize mainstream financial experts like they did with their 2021 study. Back then, they asked the question, “Is the stock market-only retirement approach really the strategy that gives you the highest levels of income and the best outcomes over a 30-year retirement?” In their new study, on the other hand, they substituted Indexed Universal Life for Whole Life, and Fixed Index Annuities for Deferred Income Annuities – a move that led to unexpected and spectacular results.  Host David McKnight explains that by going beyond the investment-only playbook and by integrating tools like Whole Life and Deferred Income Annuities into your retirement strategy, you get higher levels of income and a higher likelihood of your money lasting through life expectancy and beyond. For years, Indexed Universal Life and Fixed Index Annuities have been misrepresented by many (inexperienced) insurance agents, have been vilified by media personalities using a “one-size-fits-all” approach, and have been ignored by investment-only advisors. In the latest iteration of their study, Ernst & Young ran three case studies: one featuring a 35-year-old couple just starting their financial journey, one involving a 45-year-old couple, and the last one looking at a 65-year-old couple on the doorstep of retirement. David asks why, if the E&Y case studies show that IULs and FIAs can dramatically improve income levels and the likelihood of money lasting through life expectancy and wealth to heirs, they have been so frequently demonized? David touches upon three distinct reasons why he believes the critiques occur. “Together, the IUL and FIA act as the stabilizers on your retirement journey,” says David. Utilized in conjunction with your investment portfolio, IUL and FIA increase your income, the likelihood your money lasts through life expectancy, and they increase the money that gets passed on to your heirs. For David, data proves that cash value life insurance and annuities work whether you're just getting started or are stepping into retirement.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young Dave Ramsey Suze Orman S&P 500

Technology is driving transformation in how audits are conducted at an ever-faster pace, says Paul Goodhew, global assurance innovation & emerging technology leader at Big Four firm Ernst & Young -- and artificial intelligence will only accelerate that.

In this episode of the Power of Zero Show, host David McKnight discusses the scenario in which you have maxed out your 401(k) and are wondering where you should invest the rest of your money. The episode kicks off with David addressing the type of 401(k)s you should be investing in first. There are two types of 401(k)s: the traditional pre-tax 401(k) and the Roth 401(k). Should you go for a traditional 401(k) or a Roth 401(k)? It all depends on whether you think your tax bracket is likely to be lower or higher in retirement… With the national debt set to hit $62 trillion by the year 2035, David believes that, “There isn't any way the Federal Government can service that type of debt without increasing taxes.”  Planning on retiring past 2035 and you're currently in the 24% tax bracket? Then, David recommends opting for a Roth 401(k). This year, you can put $23,500 into your Roth 401(k) if you're younger than 50, and $31,000 if you're over the age of 50. David talks about what to do if you're married and have maxed out your Roth 401(k), as well as what you can do if your modified adjusted gross income is less than $246,000 as a married couple, or $161,000 as a single filer. David illustrates the scenario in which relying on a LIRP (Life Insurance Retirement Plan) would make sense. According to a recent Ernst & Young study, if you can save between 3 and 5 years worth of living expenses in your LIRP by day 1 of retirement, you can increase the sustainable withdrawal rate of your stock portfolio from 4% to as high as 8%. David points out that there's no limit on how much you can put into your LIRP and, unlike with what happens with Roth contributions, you are not constrained by your modified adjusted gross income level. Another point in favor of opting for a LIRP is the fact that it grows safely and productively – the growth of the money in your LIRP is linked to the upward movement of a stock market index. Whatever that index does in any given year, you get to keep up to a cap that's typically between 10% and 12%. Index going down? Then, you're simply credited a zero.     Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young

Going from a big firm to building your own CPA business takes courage, strategy, and the right mindset. Frank Milone, co-founder of FML CPAs, shares his journey from working at Ernst & Young to running a successful accounting firm. He explains the key lessons, mistakes to avoid, and how small firms can thrive today. Key insights: ✅ Why he left a major accounting firm to start his own ✅ The biggest challenges in running a CPA business ✅ How small firms can compete and grow If you've ever thought about starting your own business, this episode will help you understand what it really takes. Subscribe to our YouTube channel.   

Patrick Maloney is the Co-founder and CEO at CIV, and this episode was recorded in front of a live audience at the UCLA Anderson School of Management as part of LA Climate Week.Patrick's firm, CIV, is a new venture capital investment firm based in Venice, California, that backs and builds companies at the nexus of industry and technology. Patrick has had a long, successful career in clean tech. Before CIV, he founded and led Inspire, a clean energy technology company acquired by Shell in 2021. And for his work at Inspire, he was named Ernst & Young's 2018 Entrepreneur of the Year Award winner for Clean Tech and Renewables. Before Inspire, Patrick co-founded Independence Energy and was on the founding team of Energy Plus, both of which were acquired by NRG. Patrick is also co-founder of The Nuclear Company, in which we are proud investors via our venture funds at MCJ.In this episode, we cover: [1:39] How the LA wildfires shaped Patrick's outlook[4:12] Why energy ties into philosophy, economics, and politics[7:01] Patrick's early steps as an energy entrepreneur[10:05] The founding story behind Inspire[10:59] Lessons for CEOs and startup founders[14:59] Why Patrick sold Inspire to Shell[17:39] Entering venture capital and what came next[20:32] What CIV is and how it got started[22:30] CIV's first fund and core motivation[27:12] How The Nuclear Company came to be[31:31] CIV's approach to measuring impact[32:53] Patrick's take on “climate tech” today[35:17] Navigating today's tariff and policy shifts[36:26] What CIV looks for in investments[39:12] The future of energy and who will lead itEpisode recorded on April 8, 2025 (Published on April 24, 2025) Enjoyed this episode? Please leave us a review! Share feedback or suggest future topics and guests at info@mcj.vc.Connect with MCJ:Cody Simms on LinkedInVisit mcj.vcSubscribe to the MCJ Newsletter*Editing and post-production work for this episode was provided by The Podcast Consultant

​Shaun Clark is the CEO and Co-founder of HighLevel, an all-in-one marketing and CRM platform designed to help agencies and businesses streamline their operations. Before establishing HighLevel in 2018, he founded InvoiceSherpa, a platform focused on automating accounts receivable and invoice payments. Shaun's entrepreneurial journey is underpinned by his education in Computer Science at Oregon State University and participation in Stanford University's Innovation and Entrepreneurship Program. Under his leadership, HighLevel has experienced significant growth and was named a finalist for the Entrepreneur Of The Year 2024 Southwest Award by Ernst & Young.​ In this episode… Growing a software company is hard enough — but building a community of loyal users, minimizing churn, and scaling support simultaneously? That's the challenge facing many SaaS founders as they move from startup to sustainable success. So, how do you turn one-time users into long-term advocates while keeping your team and customers happy? Shaun Clark, a seasoned SaaS entrepreneur, shares how he overcame early failures selling directly to small businesses by shifting focus to the agencies that serve them. He emphasizes solving the nurture gap in marketing with automation and prioritizing customer experience through real-time Zoom support. He explains how leaning into white-labeling, building a transparent feature voting system, and investing in an affiliate program helped create a community-driven ecosystem where clients became evangelists. Shaun's approach underscores the power of listening deeply, building with user feedback, and scaling with heart. In this episode of the Inspired Insider Podcast, Dr. Jeremy Weisz interviews Shaun Clark, Co-founder and CEO of HighLevel, about building a customer-focused SaaS powerhouse. Shaun shares how a failed go-to-market strategy led to a breakthrough with agencies. He also discusses co-founder dynamics, the SaaSpreneur movement, and using community feedback to guide product development.

In this final installment of our four-part deep dive, we conclude our review of White Coat Investor's critique of the Ernst & Young whitepaper on insurance products. If you've stuck with us from Episode 315 through now, you know this has been a winding journey through annuities, whole life policies, investment assumptions—and plenty of eyebrow-raising takes. Today, we wrap it all up with our closing thoughts on the White Coat Investor review. We also zoom out to look at the big picture: What's really at stake when professionals argue about insurance-backed retirement strategies? What does this mean for actual investors trying to make informed decisions?

In this episode of The Digital Executive, Brian Thomas sits down with Dr. Eva Marie Muller-Stuler, a distinguished leader in data and AI across the Middle East and North Africa. Now heading the data and AI practice at Ernst & Young, Dr. Muller-Stuler shares her interdisciplinary journey through mathematics, computer science, and business, and how this unique foundation led her to become one of the top minds in ethical AI. She recounts pivotal moments in her career that fueled her mission to create responsible, transparent, and fair AI systems—long before mainstream concerns took root.Dr. Muller-Stuler discusses the evolution of AI governance, the importance of continuous learning, and the responsibility tech leaders carry in shaping a just digital future. From leading some of Europe's first data science teams to advising global governments, her insights illuminate the challenges and opportunities of today's AI-driven world.Tune in to hear how Eva is influencing the future of AI—and what that means for businesses, society, and aspiring professionals.

In Part 3 of our deep dive into White Coat Investor Disagrees with Ernst & Young, we tackle some of the strangest assumptions in the analysis. We break down how whole life policies are managed (or mismanaged), questionable projections of policy performance, and bizarre reinvestment strategies for annuity proceeds. Plus, we explore the odd decision to replace fixed-income investments solely with insurance products, the implications of paying back a whole life policy, and a 70-year time horizon that raises more questions than it answers. Tune in as we continue to expose the flaws in this controversial financial assessment!   --   This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Join Marquette as she interviews Eric Bennett,Managing Partner at Brain Capital Partners. Eric launched Brain Capital Partners and the Brain Superfund in 2025 to invest in brain science venture and growth capital. The Brain Superfund will focus on investing in companies in the areas of mental health and related disorders, Alzheimer's and other neurodegenerative diseases, brain injuries such as concussions and strokes, health and wellness to enhance mental health and brain performance, and longevity. Companies will include those that offer new drugs and other therapeutics, neuro technology and devices, diagnostics, digital health, and clinical access. By investing in innovative companies with proven science, we aim to accelerate the development of breakthrough treatments and technologies that improve the quality of life and brain performance. The Fund's goal is to provide strong investment returns for our investors and make a meaningful societal impact.Eric began working with John Tolleson's single-family office in 1998 before co-founding Tolleson Wealth Management in 2000. He was Chief Executive Officer, Chairman of the Investment Committee, and Board Member, growing the firm from 3 people to 150.Eric's passion for brain science was accelerated in 2013, when he left Tolleson to become the founding Executive Director of the Brain Performance Institute (BPI) at the Center for BrainHealth – part of The University of Texas at Dallas. BPI focused on scaling evidence-based cognitive neuroscience programs and assessments, developed at the Center for BrainHealth, to larger populations. He was on the advisory board at the Center for BrainHealth for ten years and joined full-time in 2013 in a leadership role to build and grow BPI. Under his leadership, BPI secured over $105,000,000 in funding, grew to over 35 people, built a new facility to provide services, including an fMRI center, and reached over 50,000 people in their evidence-based programs.After a planned succession to a new Executive Director at BPI in 2017, Eric re-joined Tolleson Wealth Management as Chief Investment Officer, where he managed $10 Billion in portfolios. During this time, he led investments of over $400 Million in over 20 funds and co-investments in healthcare and biotech. He transitioned out of Tolleson in early 2025 to launch Brain Capital Partners.Eric remains involved with the Center for BrainHealth Board, as well as other health care organizations including the Meadows Mental Health Institute, the Brain Capital Alliance, the Baylor Healthcare Foundation Board, Health Wildcatters, and Impact Shares.Eric began his career with PricewaterhouseCoopers (PwC) in 1987 after earning a Bachelor of Science degree in Finance with honors from the University of Missouri. He later joined Ernst & Young, where he served as Senior Manager for private clients and led the firm's DFW Investment Advisory Services team.Eric is a Chartered Financial Analyst (CFA) and Certified Public Accountant (CPA). He is also an operating partner with Satori Capital and a member of Young Presidents' Organization (YPO), having served on the executive board of his YPO chapter for four years. He formerly served on the investment committees for the Baylor University Endowment, the Dallas Symphony Foundation, and Communities Foundation of Texas in addition to serving on the boards of several private companies, including financial services, retail, and media industries. *Please note that this discussion is not an offer or solicitation to invest in any fund or other security.

In this episode of More than Commas, we take a deep dive into Ernst & Young's latest white paper on integrating life insurance and annuities into a financial plan. With a projected $240 trillion retirement savings gap by 2030, EY's research highlights how strategies beyond traditional investments—such as permanent life insurance and deferred income annuities—can enhance income stability and legacy value. We break down the key takeaways from their analysis and what it means for your retirement planning. Tune in to learn how a smarter, more balanced approach could optimize your financial future.   Download the Ernst & Young Full Whitepaper: https://www.ey.com/content/dam/ey-unified-site/ey-com/en-us/insights/insurance/documents/ey-benefits-of-integrating-insurance-products-into-a-retirement-plan.pdf   Related episode: https://sfgway.com/2022/05/18/podcast-episode-239-income-investing-in-retirement/   --   This Material is Intended for General Public Use. By providing this material, we are not undertaking to provide investment advice for any specific individual or situation or to otherwise act in a fiduciary capacity. Please contact one of our financial professionals for guidance and information specific to your individual situation. Sound Financial LLC dba Sound Financial Group is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. Insurance products and services are offered and sold through Sound Financial LLC dba Sound Financial Group and individually licensed and appointed agents in all appropriate jurisdictions. This podcast is meant for general informational purposes and is not to be construed as tax, legal, or investment advice. You should consult a financial professional regarding your individual situation. Guest speakers are not affiliated with Sound Financial LLC dba Sound Financial Group unless otherwise stated, and their opinions are their own. Opinions, estimates, forecasts, and statements of financial market trends are based on current market conditions and are subject to change without notice. Past performance is not a guarantee of future results.

Are you ready to uncover the secrets that transformed a single brand into a global powerhouse? On this episode of The Jon Gordon Podcast, I'm joined by Ray Titus, the mastermind behind United Franchise Group's phenomenal growth from one franchise to 11 thriving brands across 80 countries. Join me as Ray shares his proven strategies on decision-making, the magic of synergy, and how embracing his family in business fueled long-term success. Discover how focusing on people, continuous learning, and a family-based approach can not only sustain a business but allow it to flourish on a global scale. If you ever thought of starting a franchise or buying a  franchise, you won't want to miss Ray's advice on how to decide if franchising is right for you! Whether you're a budding entrepreneur or a seasoned leader, this conversation is packed with wisdom and actionable insights to elevate your business to new heights. Don't miss this chance to learn from one of the most successful leaders in the franchise world. Tune in and get ready to transform your business journey! About Ray, Ray Titus is a franchising visionary and the founder & CEO of United Franchise Group (UFG), a global powerhouse with over 1,800 locations across 80+ countries. From launching the first Signarama store in 1986 to expanding a family of brands spanning business services, coworking, and hospitality, Ray has transformed franchising into his life's mission. His leadership is rooted in a commitment to growth, positivity, and family—a legacy inspired by his father, Roy Titus, founder of Minuteman Press. A former collegiate athlete, Ray applies teamwork and perseverance to business, earning accolades like Ernst & Young's Entrepreneur of the Year and the prestigious “E” Award for U.S. export excellence. Deeply invested in franchising education, he established the Titus Center for Franchising at Palm Beach Atlantic University, shaping the next generation of industry leaders. Under Ray's leadership, UFG isn't just a business—it's a family, with his wife, sons, and extended family actively involved. His passion for innovation, people, and service continues to drive UFG's success worldwide. He has published several books including “Laws of Inevitability”, “Ray's Week”, “Put a Little JJ in Your Life", “You're Not Listening to Me" and most recently "Do You Have It?"   Here's a few additional resources for you... Follow me on Instagram: @JonGordon11 Every week, I send out a free Positive Tip newsletter via email. It's advice for your life, work and team. You can sign up now here and catch up on past newsletters. Save your spot for Training Camp Live in Ponte Vedra, Florida, MAY 15th, 2025! Elevate your leadership skills and engage in an experience designed for growth, purpose, and excellence with incredible leaders such as Sean McVay, Eddie George, Dabo Swinney, Chaunte Lowe and Kevin O'Connell. Game-Changing Coaches, Once-in-a-Lifetime Insights! Join me for my Day of Development! You'll learn proven strategies to develop confidence, improve your leadership and build a connected and committed team. You'll leave with an action plan to supercharge your growth and results. It's time to Create your Positive Advantage. Get details and sign up here. Do you feel called to do more? Would you like to impact more people as a leader, writer, speaker, coach and trainer? Get Jon Gordon Certified if you want to be mentored by me and my team to teach my proven frameworks principles, and programs for businesses, sports, education, healthcare.

This episode of The Power of Zero Show is part of David McKnight's podcast interview with Caleb Guilliams and Tom Wall, PhD. David touches upon a recent Ernst & Young study where whole life insurance was used as a buffer-type strategy. When it comes to the “risk continuum”, David sees IUL as slightly on the right side of whole life insurance. IUL is something worth doing only if you think that risk premium can get you a slightly higher rate of return over time. David recognizes that IUL has risks but that, in exchange for those risks, you can get somewhat of a higher rate of return.  Whole life policies aren't something David sees as designed to build money up and then take money out permanently. One of the reasons why David likes the IUL is because you can find a carrier that gives you a guaranteed 0% loan. Some may argue that Wade Pfau, who wrote the foreword for David's latest book, The Guru Gap, prefers whole life instead of IUL. David's stated objective is to build up your net worth as effectively as you can. His suggestion for the accumulation period is to save as well as you can and to mostly invest in stocks. David explains his preference for IUL over whole life policies.   Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young Dave Ramsey Wade Pfau

With Charles Gaudet, the CEO of Predictable Profits and the author of “The Predictable Profits Playbook: The Entrepreneur's Guide to Dominating Any Market and Staying on Top“ (voted #1 Book on Sales & Marketing by Indie Excellence) and host of The Beyond 7-Figures Podcast.Charles has been an entrepreneur since the age of 4, created his first multi-million dollar business at 24, and has helped others generate millions with his strategies. He has received numerous awards and recognition (including founding a company named as “One of the Best Seed Stage Companies” by Ernst & Young), received his Certificate of Leadership Development from The US Army War College and has his business advice featured around in the world – including Inc., Forbes, Salesforce, Success, Entrepreneur, and Fox Business – as well as on podcasts and radio. He was also named one of American Geniuses' Top 50 Industry Influencers.Join us in our conversation as Charles shares invaluable insights on scaling a business sustainably, overcoming burnout, and redefining success beyond financial gains. He breaks down the mindset shifts that helped him navigate challenges, from his early entrepreneurial ventures to advising top CEOs on growth strategies. Tune in for practical lessons on resilience, leadership, and building a business that supports both your goals and your quality of life.To listen to the podcast and access the show notes and any other resources mentioned in this episode, visit us at www.legalwebsitewarrior.com/podcast.

Nick shares his journey from working in corporate America at Ernst & Young to launching Frayter Media, an agency that specializes in building personal brands for high-profile athletes, CEOs, and executives. He dives into how MMA fighters are realizing the power of personal branding, how social media has revolutionized sports marketing, and how new media like podcasts and short-form content are changing the game.This episode is packed with insights on leveraging social media, working with elite clients, and scaling a remote business. If you're interested in brand-building, sports marketing, or digital entrepreneurship, this one's for you!Call to Action

Few things are as nerve-wracking as receiving an IRS audit notice—but how do audits really work, and what can you do to protect yourself? In this episode of Absolute Trust Talk, Kirsten Howe sits down with Anthony Kim, a former IRS Chief Counsel Attorney with 26+ years of experience, to reveal the truth behind IRS audits. Tony, who has litigated complex tax cases for the U.S. Treasury Department and represented Fortune 500 companies and high-net-worth individuals at Ernst & Young, shares insider knowledge on what triggers audits, the IRS selection process, and how to avoid common red flags. You'll learn why IRS audits are rarer than you think, the top mistakes taxpayers make, and why choosing the right representative—CPA or tax attorney?—could make or break your case. Plus, Tony drops a little-known IRS tip that could save you from missed notices and financial headaches. Don't leave your financial future to chance! Listen now to get expert advice on navigating an IRS audit with confidence.   Time-stamped Show Notes: 0:00 Introduction 0:57 Meet Anthony Kim: Former IRS Chief Counsel Attorney & tax expert 3:42 What triggers an IRS audit? Common red flags explained. 6:28 Whistleblower reports and third-party mismatches—how they lead to audits 7:46 The truth about audit risk: How rare are they, really? 8:43 Step one: How the IRS contacts you—don't fall for scams! 10:00 The one IRS form every taxpayer should file after moving 11:00 The biggest mistake taxpayers make—what NOT to say in an audit 15:32 The worst-case audit scenarios and how to avoid them 16:49 Why even a low-risk audit could turn into a criminal case 17:24 Who should represent you in an audit? CPA vs. tax attorney debate 21:38 What happens at the end of an audit—how decisions are made 22:47 How to challenge an IRS audit decision and file a protest letter

This episode of The Power of Zero Show is part of David McKnight's conversation with Caleb Guilliams and Tom Wall, PhD. David touches upon the “dangerous partnership” between the American people and the IRS. David is an advocate for a balanced, comprehensive, approach to tax-free retirement – he explains why that's the case. One of the things David likes about IULs is the fact that they can perform specific applications that no other stream of income, such as Roth IRAs and Roth 401(k)s, can do. David goes over the unique trait of each of the streams of tax-free income he sees as key components of “the Holy Grail of financial planning”. A Roth IRA, for example, gives you immediate liquidity, while a Roth 401(k) gives you a match. A Roth Conversion allows you to convert an unlimited amount of assets to tax-free. Taking money out of your IRA up to your standard deduction allows you to get a deduction on the front end, grow your money tax-deferred, and take your money out tax-free. An IUL, on the other hand, enables you to get a death benefit in advance, for the purpose of paying for long-term care. A balanced, comprehensive, approach to tax-free retirement capitalizes on all the nooks and crannies in the IRS tax code. David is in agreement with a recent Ernst & Young study inviting people to have 30% of their retirement savings go towards cash-value life insurance. Mentioned in this episode: David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com TikTok Ernst & Young

“As you enlist, you get exciting opportunities, hopefully competitive pay, but afterwards, you get a series of benefits that can really help your life." -Paul R. Lawrence Welcome to another insightful episode of the Turmeric & Tequila Podcast, where your host Kristen Olson engages in gracefully disruptive conversations to question a better way. Today, we welcome the esteemed Dr. Paul R. Lawrence to the TNT mic. A longtime advocate and human of service, Dr. Paul R. Lawrence has dedicated his life to helping veterans navigate the often-complex systems of benefits and support. With his new book shedding light on the often-misunderstood benefits available to veterans, this episode dives deep into how we can better serve those who have served us. Kristen and Paul explore the intricacies of veteran benefits, the importance of lived experience in leading veteran-focused initiatives, and the powerful impact of stepping up to make a difference. Alongside this riveting conversation, we'll hear from our sponsor, Lux Neuro, about the transformative power of neurofeedback. Whether you're in the business sector, a veteran, or someone passionate about meaningful change, this episode offers valuable insights into the world of veteran affairs and beyond. Tune in and join the conversation. Time Stamps: 00:00 Passionate Advocacy from Experienced Voices 04:12 From Frustration to Involvement 10:06 Navigating Social Media Information Challenges 10:54 VA Support for Veterans' Mental Health 15:43 Authentic Leadership Through Experience 19:11 "Unexpected Demand for Government Guidance" 21:19 Outlining a Complex Book Structure 26:19 "Influencers as Inspirers" 27:55 Veteran Networking Support 30:54 Embracing Life's Unexpected Paths 33:26 Lux Neuro Sponsorship & Guest Info Paul R. Lawrence is a Public Sector Vice President with Kaiser Associates, a distinctive professional services firm that helps executives make more informed strategic and operational decisions by incorporating external insights and analysis. Paul helps government leaders address their challenges by developing and then implementing unique solutions. Mr. Lawrence has 30 years of experience working closely with government leaders. Prior to joining Kaiser Associates, Mr. Lawrence was a Partner at Ernst & Young, a Vice President with Accenture, an Executive Director with the MITRE Corporation, a Vice President with IBM Business Consulting Services, and a Partner at PricewaterhouseCoopers. He has researched and written extensively on management and government. He is the co-author of Succeeding as a Political Executive: 50 Insights from Experience; What Government Does: How Political Executives Manage; and Paths to Making a Difference: Leading in Government. He is the co-editor of Transforming Organizations and Learning the Ropes: Insights for Political Appointees. He has testified before Congress and several state legislatures. He serves on the Board of Advisors to the Economic Program at the University of Massachusetts and has served on the Board of Advisors of the Thomas Jefferson Public Policy Program at The College of William and Mary. He was twice selected by Federal Computer Week as one of the top 100 public service business leaders. Mr. Lawrence earned his Master of Arts and Ph.D. in Economics from Virginia Tech. He earned his Bachelor of Arts degree in Economics from the University of Massachusetts, Amherst, graduating Phi Beta Kappa. Paul Lawrence served in the U.S. Army attaining the rank of Captain. He graduated from the Army's Airborne School and was awarded the Meritorious Service Medal. www.paulrlawrence.com https://www.linkedin.com/in/drpaullawrence/ BOOK: Veterans Benefits for You: Get What You Deserve ORDER HERE   Connect with T&T: IG: @TurmericTequila Facebook: @TurmericAndTequila Website: www.TurmericAndTequila.com Host: Kristen Olson IG: @Madonnashero Tik Tok: @Madonnashero Website: www.KOAlliance.com WATCH HERE   MORE LIKE THIS: https://youtu.be/ZCFQSpFoAgI?si=Erg8_2eH8uyEgYZF   https://youtu.be/piCU9JboWuY?si=qLdhFKCGdBzuAeuI https://youtu.be/9Vs2JDzJJXk?si=dpjV31GDqTroUKWH 

On Today's Episode – We are joined by returning guest Donna Jackson from CFACT. Donna gives us a little info on what she'sbeen up to since we last talked to her. Mark and Donna dive right in and talk California Wildfires, SanctuaryCities, and how howd the Left makes it to get anything done, and how fast Trumpis moving. Tune in for all the Fun https://www.cfact.org/ Donna Jackson, CFACT policy analyst,is a seasoned businesswoman with public and private sector experience and hasspent decades as a pro-energy advocate for the minority population, through heradvocacy work with Congressional leaders and ministry leaders. She is asought-after speaker, who has frequently testified before Congressional leaderson the plight of debilitating energy policies on minorities and low-incomepopulations. Her media appearances include Newsmax, One America News Network,NTD TV, BEK TV, and national radio network shows. Her op-eds have appearedonline and in print in national publications such as the Washington Times,Daily Caller, Inside Sources, FOX News, the Detriot News, Sacramento Observer,Las Vegas Review-Jounral, the Federalist and the Washington Examiner. Donnaearned a Bachelor of Accountancy (cum laude) from the California StateUniversity San Marcos. She has worked in accounting, auditing, tax andmanagement roles with major companies such as Ernst Young, Cardinal Health andMarriott International in the private sector before serving in the publicsector as the vice president and deputy controller for the Export-Import Bankof the United States. She is a member of the National Association of BlackAccountants. Prior to her career in accounting, Donna was a political operativein the state of Arkansas, having worked on the successful campaigns of formerGovernor Mike Huckabee, Senator Tim Hutchinson and Representative (laterGovernor) Asa Hutchinson. She played a vital role during the Huckabeegovernorship in recruiting black candidates for executive-appointed boards andcommissions in addition to helping create job-training programs at a localcommunity college and the Arkansas Office of Workforce Development. Shecurrently serves as an advisory board member for the Independent Women's Forum(IWF) Center for Energy and Conservation, an advisory board member of the 2025Project, a member of the Board of Directors of The Conservative Caucus,Membership Director of the black leadership group, Proj. 21, a member of theHeritage Foundation African American Advisory Council, and a member of theBoard of Advisors of Our America. She is a former divinity graduate of CharlesH. Mason Theological Seminary in Memphis, Tennessee. It was there that she wastaught the gift of administration as a vital part of the Christian ministry.Donna is a firm believer in free markets and entrepreneurship, rather thangovernment, as a means of lifting people out of poverty.

If learning is your life-long commitment and passion, prepare to be astounded because today's special guest for The Ripple Effect Podcast takes knowledge-sharing to a whole new level.  Dr. Todd Dewett worked as a consultant at Andersen Consulting and Ernst & Young but later realized he didn't fit the traditional corporate setting. He then earned his Ph.D. in Organizational Behavior at Texas A&M University and jumped right into teaching. After years in the classroom, he retired early at 42, but he never left his passion for education. Dr. Todd Dewett shares how he leveraged the digital medium to share his deep insights about leadership, team management, and organizational behavior. With more than 10 years of experience in LinkedIn Learning (formerly Lynda.com), Todd amassed over thirty best-selling professional and life skill courses. Todd's teaching and speaking journey changed his and other people's lives for the better. Dr. Todd Dewett is now a full-time Entrepreneur, Speaker, World-Class Educator, and Prolific Author — citing Show Your Ink, Live Hard, The Little Black Book of Leadership, and his latest release, Dancing with Monsters, among some of his masterpieces.  Tune in as we discuss his story, workplace dynamics, and the importance of closing the rift between generations within companies and organizations. Never miss the opportunity to learn from the BEST! ____________________________________________ Learn more about Dr. Todd Dewett's work: https://www.drdewett.com Connect with Dr. Todd Dewett on LinkedIn: https://www.linkedin.com/in/drdewett/ ____________________________________________  Did you find this helpful? Please like and subscribe for more insightful interviews with experts, speakers, and leaders. Ripple with Steve Harper! Instagram: http://instagram.com/rippleon Facebook: https://www.facebook.com/rippleon X: https://twitter.com/rippleon Website: http://www.ripplecentral.com Join the ever-growing community of Ripplers in The Pond. It's FREE: https://ripplecentral.com/pond To inquire about Steve's availability for conference keynotes, corporate training or performance coaching, please contact info@ripplecentral.com. #TheRippleEffectPodcast #OrganizationalGrowth #Leadership #CareerTips #GenerationalGap #WorkplaceCulture #Workplace #HumanConnections #OrganizationalLeadership #BehavioralInsights

Host Dave Sobel engages in a thought-provoking conversation with Arik Solomon, CEO and co-founder of Cypago, a leading cyber governance, risk, and compliance (GRC) automation platform. The discussion delves into the challenges faced by organizations in the GRC space, particularly the reliance on manual processes despite the abundance of data available. Solomon shares his insights from his experience as CTO at Ernst & Young, where he recognized the need for technology to enhance the efficiency and sophistication of compliance services.Solomon explains that Cypago operates at the intersection of cybersecurity and GRC, aiming to streamline the alignment of security programs with business requirements and regulatory standards. The technology developed by Cypago automates the collection and analysis of data related to security controls, enabling compliance officers and security leaders to gain meaningful insights into their organizations' security posture. This automation, however, raises concerns about the potential for a "checkbox culture," where organizations may rely too heavily on automated processes without meaningful engagement from human experts.The conversation also touches on the evolving landscape of cybersecurity regulations, particularly in light of increased scrutiny from governing bodies. Solomon emphasizes the importance of establishing a baseline of minimum security standards while acknowledging the complexities of creating a universal compliance framework. He critiques existing regulations like GDPR, suggesting that a more effective approach would involve providing organizations with best practices and guidelines rather than rigid requirements that may not fit all scenarios.As the episode concludes, Solomon highlights key trends to watch in the GRC space over the next 18 months, including the need for enhanced visibility into data management and the importance of having robust governance processes in place. He underscores that organizations must prioritize understanding where their data resides and implementing necessary security measures to protect it. This insightful discussion provides valuable perspectives for cybersecurity professionals navigating the complexities of compliance in an ever-changing regulatory environment. All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech