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This episode of the Unusual Whales Pod was recorded Live on October 29th, 2025. Nicholas hosts a panel of macroeconomic experts and investors to discuss the economy's continued contradictions: growth hasn't collapsed, yet inflation refuses to bow out, and the labor market is showing patches of fatigue. All this while the government shutdown is delaying key data releases, leaving the Fed to fly partially blind. Global friction persists from trade tensions to energy supply jitters, and the panel breaks down each of these topics in turn!Panel:Joseph Wang https://twitter.com/FedGuy12Thelastbearstanding https://twitter.com/LastBearStandngJonny Matthews https://x.com/super_macroMartin Pelletier https://twitter.com/MPelletierCIOHosted by: Nicholas FNS: https://twitter.com/NicholasFNSUnusual Whales: https://twitter.com/unusual_whalesThis Pod is not financial advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority. The stock market is risky, and any trade or investment is expected to have some, or total, loss. Please do research before any trade. Do not use this information for financial decisions or for investing. Unusual Social Media:Discord: https://discord.com/invite/unusualwhalesFacebook: https://www.facebook.com/unusualwhalesInstagram: https://www.instagram.com/unusualwhales/Reddit: https://old.reddit.com/r/unusual_whales/TikTok: https://www.tiktok.com/@unusual_whalesTwitter: https://twitter.com/unusual_whalesYouTube: https://www.youtube.com/unusualwhales/Merch: https://unusual-whales.creator-spring.com/**Disclaimer:Any content referenced in the video or on Unusual Whales are not intended to provide legal, tax, investment or insurance advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority. Nothing on Unusual Whales should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by Unusual Whales or any third party. Certain investment planning tools available on Unusual Whales may provide general investment education based on your input.

A Trump administration push to reduce the frequency of corporate earnings reports risks hurting the accuracy of artificial intelligence-fueled models used by analysts, an accounting adviser said. Chief financial officers and other C-suite leaders would in turn need to address greater reputational risk if a plan to give public companies the option to file financial reports semiannually instead of quarterly advances, according to Steve Soter, vice president and industry principal at financial compliance platform Workiva. Companies prepare and submit quarterly reports, called Form 10-Qs, to the Securities and Exchange Commission's filing system in XBRL format, which makes the information more easily accessible and computer-readable, Soter said. Analysts' models consume this data to provide analysis and observations. Depriving investors and analysts' AI models of this information increases the risk of erroneous analysis and ensuing reputational damage, Soter said. On this episode of Talking Tax, Bloomberg Tax financial accounting reporter Jorja Siemons spoke with Soter about what steps C-suite leaders can take to mitigate data risks if the SEC reporting schedule shifts. Do you have feedback on this episode of Talking Tax? Give us a call and leave a voicemail at 703-341-3690.

In this episode of the Why Invest? podcast, host Luke Hyde-Smith is joined by Adam Rozencwajg, Managing Partner and Co-Founder of Goehring & Rozencwajg Associates, one of the leading voices in natural resource investing.Adam shares his insights on the “revenge of the old economy,” as commodities and energy markets stage a comeback after years of neglect. He explains why structural underinvestment is setting the stage for a major bull cycle, how capital flows shape resource markets, and what investors often get wrong about oil, gold, uranium and copper.The value of investments and any income from them can fall as well as rise and neither is guaranteed. Investors may not get back the capital they invested. Past performance is not indicative of future performance. The material is provided for informational purposes only. No news or research item is a personal recommendation to trade. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Nothing contained herein constitutes investment, legal, tax or other advice.The views and opinions expressed are the views of W1M Wealth Management Limited and are subject to change based on market and other conditions. The information provided does not constitute investment advice and it should not be relied on as such.It should not be considered a solicitation to buy or an offer to sell a security. All material(s) have been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy of, nor liability for, decisions based on such information.Copyright © W1M Wealth Management Limited. W1M Wealth Management Limited is authorised and regulated by both by the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, with firm reference number 120776 and the U.S. Securities and Exchange Commission of 100 F Street, NE Washington, DC 20549, with firm reference number 801-63787. Registered in England and Wales, Company Number 02080604.Copyright © Waverton Investment Management. Registered Office: 16 Babmaes Street, London, SW1Y 6AH. Authorised and Regulated by the Financial Conduct Authority. Registered in England No 2042285.Copyright © London and Capital Asset Management Limited. London and Capital Asset Management Limited is authorised and regulated by the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, with firm reference number 143286. Registered in England and Wales, Company Number 02112588.London and Capital Wealth Management Europe A.V., S.A. registered with the Commercial Registry of Barcelona at Volume 48048, Sheet 215, Page B-570650 and with Tax Identification Number (NIF) A16860488, authorised and supervised by the Comisión Nacional del Mercado de Valores (“CNMV”), and registered at CNMV's register under number 307 (https://www.cnmv.es/portal/home.aspx). Hosted on Acast. See acast.com/privacy for more information.

The collision repair industry is evolving fast—ADAS technology, OEM compliance, and rising safety standards are reshaping how vehicles are repaired and calibrated. But as complexity grows, efficiency and trust have never been more important.In this episode, Matt DiFrancesco talks with John Voulgarakis, co-founder of Lightning Auto Service, about how his company is helping collision centers save 3.8–5.6 days per vehicle through innovation and precision. John shares his journey from technician to overseeing 160+ OEM-certified centers and explains how Lightning's approach—same-day service, self-scheduling, and detailed photo documentation—is redefining ADAS calibrations.He also discusses the critical role of education, process discipline, and legislative advocacy in ensuring shops not only meet OEM standards but also strengthen safety, profitability, and trust across the collision repair industry.Matt and John also talk about:(03:01) Why innovation and precision save shops 3.8–5.6 days per vehicle(04:22) How same-day service and self-scheduling streamline workflow efficiency(05:10) Why photo documentation improves transparency and trust(06:45) How John's journey from technician to leader shaped his approach to process and people(08:03) Why education and proper process drive both safety and profitability(09:27) How OEM compliance is becoming a business advantage, not just a requirement(10:18) Why collaboration with legislators and associations protects the industry's future(11:42) How Lightning Auto Service helps shops stay ahead of evolving repair standards(12:55) Why the future of collision repair depends on speed, accuracy, and accountabilityConnect With John VoulgarakisLinkedIn: https://www.linkedin.com/in/johnhv1991/Website: https://www.lightningautoservice.com/Email: john@lightningautoservice.comConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:John Voulgarakis began his career as an automotive technician and quickly advanced into estimating and management roles with local collision centers. His expertise expanded as he took on leadership roles overseeing more than 160 OEM-certified shops, ensuring strict compliance with manufacturer repair procedures. A strong advocate for precision and safety, John co-founded Lightning Auto Services alongside partners Christopher Fox and Aaron Bell. Their mission is to raise the bar for ADAS calibrations and OEM compliance—delivering repairs rooted in trust, quality, and an uncompromising commitment to doing the job right.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

In this episode, we delve into the link between overall retirement quality and the confidence you have in your financial plan. We emphasize how a well-designed retirement strategy tailored to your needs, not solely reliant on market performance, is pivotal for boosting confidence and making your retirement plan a reality you can rely on. Addressing common fears, exploring emotional extremes, and understanding the evolving landscape of retirement planning, will help you discover the significance of income-focused strategies and a diversified asset approach in building confidence in your retirement plan. When it comes to retirement, your quality of life in these golden years is often predicated on the level of confidence you have regarding your situation. A poorly-designed retirement plan can often cause emotional confusion, which leaves you feeling insecure and lacking confidence. Confidence is typically at its peak when a plan is optimized and is designed around meeting the needs of the client and not relying entirely on market performance. Retirement confidence is in direct correlation with how well your plan is designed to manage your exposure to risk and its ability to fulfill cash flow requirements. A plan built on hope and optimism can lead to very emotional times when the market doesn't work out the way you'd hoped. Many client conversations relating to retirement are often centered around insecurities the client is working through. Common fears include running out of money before running out of life, market crashes, having a health crisis, missing opportunities, or simply making mistakes. There are typically two emotional extremes, no confidence or complete overconfidence. A lack of confidence leads to avoidance behavior and avoiding decisions, which often makes a person vulnerable to the very things they are afraid of. Overconfidence leads people to underestimate their vulnerabilities. Being skittish or practicing decision avoidance or fearing the idea of making a bad decision are all confidence killers, and the ultimate irony of this behavior is actually preventing the solution from being implemented, which can turn your fears into a reality. Confidence is about being able to rely on your retirement plan to do what you need it to do. If your retirement plan is anchored to the stock market, your confidence level relies entirely on the performance of the market. Most people's retirement plans involve a stock market portfolio they plan to liquidate over time, Social Security, and a pension, but that's really just the start. This paradigm seems to be rooted in watching our parents or grandparents work for decades in the same job and then retire with their pensions and Social Security benefits. However, circumstances have changed, and what worked back then isn't going to cut it now. Pensions and company-provided retirement plans have been on the decline since the 1980's. Baby Boomers started putting their money into retirement plans starting in the 90's, which caused a growing stock market. 2016 was the first year that Baby Boomers started taking out money from those accounts. Those who ran the markets up are now the same group that is putting selling pressure on the markets, but there are other influences as well: government spending and policy, Fed policy, pandemics, interest rates, inflation, and more. When you lack certainty in the market, algorithms and a 24/7 news cycle can exacerbate the situation. There are two fundamental things that can have a profound impact on your retirement confidence. First is solving for income using income products. The foundation of a retirement plan is to generate consistent income, and unfortunately, consistency is not synonymous with the stock market. Separating your assets between long-term growth in public investments and income-generating private and fixed assets is a crucial component of being confident in your overall retirement plan.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja Brian's article - ‘Five Common Retirement Mistakes and How to Avoid Them'     References for this episode: https://www.dol.gov/general/topic/retirement/erisa https://www.thestreet.com/personal-finance/baby-boomers-could-cause-market-crash-12117996 https://www.forbes.com/sites/lizfrazierpeck/2021/02/11/the-coronavirus-crash-of-2020-and-the-investing-lesson-it-taught-us/?sh=17701bd846cf https://www.marketwatch.com/story/u-s-stocks-would-be-much-lower-if-it-wasnt-for-excessive-government-spending-morgan-stanleys-mike-wilson-says-1b8e65d2 https://www.nasdaq.com/articles/what-does-the-fed-do-and-how-does-it-impact-the-stock-market https://thefga.org/blog/president-biden-is-wrong-about-esg-heres-why/?gclid=CjwKCAjwvfmoBhAwEiwAG2tqzIhc3F2QbmLEygcbkIg9eV7bhXUz3dzXhO1A_hTNE3hNsMbTug59txoCPcwQAvD_BwE https://centerpointsecurities.com/stock-market-algorithms/#:~:text=The%20main%20thing%20traders%20need,because%20you%20may%20lose%20fast. https://www.statista.com/statistics/191077/inflation-rate-in-the-usa-since-1990 https://www.bankrate.com/banking/cds/historical-cd-interest-rates     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.

As we continue our coverage of the effect that government shutdowns have on different agencies, we now turn to the Securities and Exchange Commission. While the majority of the agency's oversight happens over corporate entities, it is yet another one that seen certain activities put on hold when Congress can't come up with a budget. To hear what those might be, we welcome Cynthia Krus, Partner and Co-Chair of the Global Board at Eversheds Sutherland.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Amanda Fischer, is policy director and chief operating officer at Better Markets and former chief of staff at the Securities and Exchange Commission has some concerns about stablecoins.

Late last year, OpenAI reportedly tried to buy Medal and its vast trove of video game data for $500M. Today, the company spun out a frontier research lab that's using that data to build AI agents that understand how they move through space and time, a concept called spatial-temporal reasoning. Also, electric aviation startup Beta Technologies has priced shares for its initial public offering between $27 and $33, in hopes of raising as much as $825 million, according to a regulatory document filed with the U.S. Securities and Exchange Commission. If the company attracts investors at the top of that range it will debut with a valuation of about $7.2 billion. Learn more about your ad choices. Visit podcastchoices.com/adchoices

The complexity of Social Security calculations can cause some confusion around when someone eligible should file and claim their benefit. There are a lot of variables to consider and acronyms to decipher that can make Social Security feel like a confusing hedge maze. Let's cut through some of the noise and clarify some of the most pressing questions around Social Security benefits and what questions you need to consider to determine what's best for you and your family. Social Security has many layers, and the concept of eligibility can be pretty complex. It's not always clear when and how someone should begin taking their benefits because being eligible doesn't necessarily mean you should turn that benefit on. Social Security benefits can be turned on as early as age 62. Each year the benefit is delayed, you receive what is called a delayed retirement credit or DRC. These DRCs guarantee an automatic 8% increase in your Social Security benefit every year you delay up to age 70. There is also your full retirement age. This is the age when you are eligible to receive the full benefit without any offset for having earned income. Earned income being income from employment, which is different from income received from investments, pensions or annuities. For those born in 1960, or later, your FRA is age 67. Benefits are calculated by the Social Security Administration by taking 35 years of earnings that are indexed for inflation. Any years you didn't work are counted as a zero in your average earnings calculation. These annual amounts are then totaled and divided by four and 20 months to arrive at the monthly figure known as your average indexed monthly earning. This number is different from your benefit amount. The SSA then applies a formula to that number which determines your primary insurance amount or PIA and this is your monthly Social Security benefit. If you choose to take your benefit before your FRA while employed, there's an offset that can significantly reduce the benefit if your income exceeds $21,240 in 2023. This reduction is $1 for every $2 of earned income over the limit. In the year you reach your FRA, the limit increases to $56,520 in 2023, with a benefit reduction of $1 for every $3 of earned income over the limit. After you've reached your FRA there's no earning limits and you receive the full benefit with no income offsets. Provisional income comes into play after your benefits are activated. Your provisional income is calculated by taking your adjusted gross income plus half of your Social Security benefit. If that total is less than $25,000, your Social Security benefit is not subject to federal tax. If it is  above 25,000, but below 34,000, 50% of the benefit is taxed, and if it's above 34,000, 85% of the benefit is taxed. If you're a government employee, there's something called a Windfall Elimination Provision, or WEP. And there's also a Government Pension Offset, or GPO. There are three common conversations we have with clients when it comes to Social Security. The first thing is determining the breakeven point. One method for deciding when to take Social Security benefits involves calculating the breakeven point, this is the future point in time when the value of one option equals that of another. For example, if your FRA benefit is $2,000 a month, and $1,400 at age 62, there's a $600 a month difference. When compared to waiting the five years and taking the full amount, the breakeven point would be 11.6 years. Something else to keep in mind is that by taking a benefit early, you reduce the amount of spousal benefit made available since the benefit in and of itself has been reduced and this could be an important consideration. The second consideration relates to one's health and longevity. If you don't expect to live past that breakeven point, taking the benefit early might make more sense. From this perspective, it could be a win-win situation if they start receiving benefits early and they live longer than expected because the payments continue. We can't know our lifespan for certain, but if you're in poor health, taking benefits early might be a reasonable option. The third consideration involves a person's retirement income requirement. Many clients we work with see Social Security simply as a piece of the retirement income strategy, and aren't necessarily concerned with breakeven points as much as they are with maximizing their assets and the resources. Many clients opt to turn their Social Security benefits on instead of tapping into their assets in order to maintain growth. Using assets to generate income in retirement also comes with variables that are hard to predict, like the conditions of the stock market and economic policy. Social Security, in comparison, is stable and easy to predict. Figuring out your retirement income requires careful planning, which is why it's crucial to work with a professional that understands Social Security and its role in your retirement plan.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja SSA.gov   References for this episode: SSA.gov/benefits/retirement/planner/agereduction.html SSA.gov/benefits/retirement/planner/delayret.html SSA.gov/benefits/retirement/planner/agereduction.html SSA.gov/benefits/retirement/planner/whileworking.html SSA.gov/benefits/retirement/planner/whileworking.html SSA.gov/benefits/retirement/planner/taxes.html   Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

How do you go from pro skateboarder…to craft brewery founder…to private-equity real estate—and still love the game? In this solo episode, I break down the exact steps I took to reinvent (multiple times), what actually worked, and the brutal lessons that forced me to level up.Omni Fund (now open to non-accredited; $5K minimum) → https://communecapital.com/omni/ What you'll learn (and what I wish I knew sooner):The money rule that set my compass—the 50/30/20 framework—and how I reverse-engineered my “never have to work” number to ~$2–$2.5M in investable assets. Why I cranked my lifestyle down to ~30–35% of income for years so I could invest the rest—and how that decision changed everything. The brewery story: raising early capital, the reality of selling to MillerCoors, and why we ultimately walked away (and what happened after). Reinventing into real estate: starting at square one, humbling myself, raising our first $2.5M, and learning why real estate forces discipline over “dream” returns. The operator habit that keeps our company moving: one 90-minute “work ON the business” block with our C-suite every week. Try it. Where we are now: 600–700 investors, 20+ properties, ~$352M under management—and why we opened access with Omni Fund (primarily SoCal multifamily). All content available on this video is general in nature, not directed or tailored to any particular person, and is for informational purposes only.  This video and the contents herein do not constitute, and should not be construed as, an offer to purchase securities of Commune Omni Fund, LLC (“Omni”).  Such an offer will only be made pursuant to an Offering Statement, filed with the Securities and Exchange Commission and available at Offering Statement Link (“Offering Statement”).  The offering referred to in the Offering Statement (the “Offering”) is being conducted by Omni pursuant to Tier 2 of Regulation A under the Securities Act of 1933, as amended.This message does not constitute an offer to purchase securities of Commune Omni Fund, LLC (“Omni”). Such an offer will only be made pursuant to an Offering Statement, filed with the Securities and Exchange Commission. As with any investment there is a risk of loss, including up to the amount of investment.This offering is being conducted by COMMUNE Omni Fund, LLC pursuant to Tier 2 of Regulation A under the Securities Act of 1933, as amended. The securities offered herein are being offered through Andes Capital Group, LLC, a registered broker-dealer, member FINRA/SIPC, acting as broker of record. Andes Capital Group, LLC may receive compensation in connection with this offering as disclosed in the offering statement.Past performance is not a guarantee or indicative of future results, and it should not be assumed that results of Omni or any of its investments will be achieved going forward. This communication may contain forward-looking statements that involve substantial risks and uncertainties. Actual results may differ materially from those expressed or implied in such statements, and such statements should not be relied upon as guarantees of future performance.The SEC has qualified but has not approved or passed upon the merits of the securities being offered in the Offering or the terms of the Offering. The SEC has also not passed upon the accuracy or completeness of the Offering Statement or any other offering materials.Neither this message nor its contents should be construed as legal, tax, investment, or other advice.  Individuals are urged to consult with their own tax, legal, and investment advisers before making any investment decision.

In this special video episode, learn what proposed stock market rule changes could mean for your portfolio and how to grow your teen's money skills. Will corporate earnings reports soon shift from quarterly to twice a year? And what could new rules about day trading mean for everyday investors? Hosts Sean Pyles and Elizabeth Ayoola team up with senior news writer Anna Helhoski and investing lead writer Sam Taube to break down how potential SEC rule changes could reshape the stock market. They explore the pros and cons of less frequent earnings reports, what research shows about long-term investing behavior, and how easing day-trading limits might open doors for some investors — while raising risks for others. They also share practical ways to interpret earnings data, stay focused on long-term goals, and avoid emotional trading. Then, Sean and Elizabeth meet with listener Essa in-person to discuss how to teach kids money skills at home. They cover options for approaching allowances and savings goals (e.g., Greenlight), building credit safely via authorized-user setups or secured cards, and turning lessons into hands-on practice with simulations and budgeting tools. Essa shares what's been working in her household so far and gets suggestions on how to introduce new money concepts to her kids. The Nerdy Investor by NerdWallet is a monthly email briefing for investors who want to stay informed about what's happening in the world of money: https://nerdwalletinvesting.substack.com/about  Get matched with a financial advisor for free using NerdWallet Advisors Match: https://nerdwalletadvisors.com/match  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: SEC rule change 2025, Trump administration stock market changes, FINRA margin requirements, quarterly earnings cycle, semiannual financial reporting, stock market volatility trends, P/E ratio meaning, price to earnings ratio formula, long-term investor behavior, day trading regulation, PDT minimum balance, $25,000 day trading rule, margin trading risks, investor protection rules, stock market research studies, dot-com crash lessons, European Union earnings rules, financial disclosure requirements, investing newsletter signup, U.S. Securities and Exchange Commission updates, FINRA proposal 2025, retail investor access, beginner investing risks, youth financial literacy, teaching kids about credit, financial education apps for students, Bite of Reality app, Next Gen Personal Finance platform, EverFi money games, Financial Times Uber game, teen debit cards, compound interest examples, high-yield savings comparison, 401k matching concept, family money discussions, allowance systems for children, and parent-daughter investing ideas. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

The collision repair industry is transforming—advanced technology, connected cars, and electric vehicles are redefining what it means to “fix it right.” But as the industry evolves, raising repair standards and collaboration remain essential.In this episode, Matt DiFrancesco talks with Frank Phillips, a 35-year industry veteran with experience at Caliber, Rivian, and ADAS, about how shop owners can adapt and lead through change. Frank shares insights on professional development, specialization, and the growing need for education—both for technicians and consumers.He also discusses the critical role of industry associations and legislative advocacy in shaping the future, ensuring that repair quality, safety, and professionalism continue to move the entire industry forward.Matt and Frank also talk about:(03:18) Why shop owners can't afford to coast anymore(03:42) How diverse experience sharpens perspective in a changing industry(08:47) How professionalism replaced the “hobby shop” mindset(09:15) Why knowing what you don't know drives growth(09:56) The shift toward specialization, EVs, and certification(12:05) Why there's no such thing as a simple fender bender anymore(12:29) How shop owners can get paid for proper repairs(14:10) Why educating consumers builds empathy and trust(19:39) How pre-framing the customer prevents conflict later(20:35) Why associations must lead consumer education(23:42) Why a united industry voice builds credibility and consistency(27:31) How collaboration among repairers, insurers, and OEMs protects consumers(28:38) Why slowing down early saves time and money later(30:48) How doing repairs the right way leaves the industry strongerConnect With Frank PhillipsLinkedIn: https://www.linkedin.com/in/frank-phillips-17b33341/Email: frank.phillips72@gmail.comConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:With over 35 years in the Automotive Collision industry, Frank Phillips has built a career rooted in gratitude, service, and leadership. Deeply thankful for the opportunities this industry has provided to him and his family, he remains committed to honoring the legacy of the icons who paved the way before him.Today, Frank focuses on giving back—mentoring others, sharing hard-earned insights, and encouraging the next generation of collision repair professionals to continue raising the standard and strengthening the reputation of the trade. Passionate about collaboration and progress, he believes the industry thrives when its members support one another, ensuring transportation—the backbone of modern life—continues to move the world forward.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

In this episode of the Why Invest podcast, host Luke Hyde-Smith speaks with Will Nutting, Founder of NUTSTUFF, about his refreshingly straightforward approach to investing. Will strips away the jargon to show that successful investing is built on logic, good ideas, and curiosity, not complicated models or credentials.The conversation spans everything from the rise of digital assets and blockchain innovation to energy policy, UK market opportunities, and China's economic outlook. With his signature wit and clarity, Will explains how to think about modern markets in practical, real-world terms. It's an engaging discussion that challenges convention and offers fresh insights for anyone looking to invest with more confidence and common sense.The value of investments and any income from them can fall as well as rise and neither is guaranteed. Investors may not get back the capital they invested. Past performance is not indicative of future performance. The material is provided for informational purposes only. No news or research item is a personal recommendation to trade. Tax treatment depends on the individual circumstances of each client and may be subject to change in the future. Nothing contained herein constitutes investment, legal, tax or other advice.The views and opinions expressed are the views of W1M Wealth Management Limited and are subject to change based on market and other conditions. The information provided does not constitute investment advice and it should not be relied on as such.It should not be considered a solicitation to buy or an offer to sell a security. All material(s) have been obtained from sources believed to be reliable, but its accuracy is not guaranteed. There is no representation or warranty as to the current accuracy of, nor liability for, decisions based on such information.Copyright © W1M Wealth Management Limited. W1M Wealth Management Limited is authorised and regulated by both by the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, with firm reference number 120776 and the U.S. Securities and Exchange Commission of 100 F Street, NE Washington, DC 20549, with firm reference number 801-63787. Registered in England and Wales, Company Number 02080604.Copyright © Waverton Investment Management. Registered Office: 16 Babmaes Street, London, SW1Y 6AH. Authorised and Regulated by the Financial Conduct Authority. Registered in England No 2042285.Copyright © London and Capital Asset Management Limited. London and Capital Asset Management Limited is authorised and regulated by the Financial Conduct Authority of 12 Endeavour Square, London E20 1JN, with firm reference number 143286. Registered in England and Wales, Company Number 02112588.London and Capital Wealth Management Europe A.V., S.A. registered with the Commercial Registry of Barcelona at Volume 48048, Sheet 215, Page B-570650 and with Tax Identification Number (NIF) A16860488, authorised and supervised by the Comisión Nacional del Mercado de Valores (“CNMV”), and registered at CNMV's register under number 307 (https://www.cnmv.es/portal/home.aspx). Hosted on Acast. See acast.com/privacy for more information.

Brian Skrobonja talks about one of the most overlooked pieces of retirement planning — long-term care. He explains why preparing for care isn't about being gloomy, it's about protecting your freedom and keeping control over the life you've worked so hard to build. Expect to learn how to help prepare for care costs, protect your savings, and enjoy a stress-free retirement with clarity. Tune in to hear how to create a retirement plan that covers every “what if” retirement scenario. Brian starts by explaining why long-term care belongs in retirement plans.  Long-term care is the piece that quietly shapes how much freedom you keep. Planning for it means you're ready for life's curveballs, not hiding from them. Brian reveals that if you're 65 or older, there's a 70% chance you'll need some type of long-term care. This shocking number means long-term care is a reality worth preparing for.  Brian shares what care costs today. Home health aid runs around $77,000 a year, assisted living about $70,000, and a private nursing room close to $128,000. And those are just today's numbers, not tomorrow's. Without a plan, those bills can eat through savings fast. For Brian, planning for long-term care doesn't mean you're pessimistic about life. A thoughtful plan helps keep your dreams alive even if your health changes. Brian shares Tom and Linda's retirement story. They built a solid retirement, free of debt and rich with plans. Then Tom had a stroke, and their savings began to drain by $80,000 a year. Their story proves how quickly health events can rewrite even the best financial script. How long-term care shapes your life story. Brian says care isn't just a medical issue; it's a retirement event. It can shift finances, lifestyles, and even family roles.  Brian reveals that having a strategy doesn't erase every challenge. But it stops the burden from falling entirely on you, your spouse, or your children.  Brian walks through planning choices, from paying out of pocket to using insurance. Each has pros and cons, and your goals decide what fits best. The key is to match your plan to your life, not someone else's. Brian breaks down the pros and cons of traditional long-term care insurance.  Brian reveals why Tom and Linda's story is a wake-up call. They did almost everything right, yet one stroke changed everything.  A clear plan could have protected their savings and eased Linda's load. Stories like theirs remind us that planning is love in action. Without preparation, kids can be pulled into financial and caregiving roles they never expected. A solid plan keeps their lives intact and gives them confidence to support you. Planning helps protect everyone, not just your savings. How to see long-term care as part of a full life. Brian says it's not just a health moment — it's one chapter of retirement. You can decide whether it controls your story or blends into a life well lived.  Final thoughts from Brian: He reminds us that ignoring care doesn't make it vanish. Facing it gives you choice, dignity, and calm for the years ahead. That's the gift every retiree deserves to give themselves.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: https://acl.gov/ltc/basic-needs/how-much-care-will-you-need#:~:text=Someone%20turning%20age%2065%20today,for%20longer%20than%205%20years https://acl.gov/ltc/basic-needs/how-much-care-will-you-need https://investor.genworth.com/news-events/press-releases/detail/982/genworth-and-carescout-release-cost-of-care-survey-results#:~:text=The%202024%20survey%20found%20the,home%20increased%209%25%20to%20$127%2C750. https://www.healthyagingpoll.org/reports-more/report/long-term-care-are-older-adults-ready     Alternative investments may be subject to less regulation than other types of pooled investment vehicles. Alternative Investments may impose significant fees, including incentive fees that are based upon a percentage of the realized and unrealized gains and an individual's net returns may differ significantly from actual returns. Such fees may offset all or a significant portion of such Alternative Investment's trading profits. Incorporating alternative investments into a portfolio presents the opportunity for significant losses including in some cases, losses which exceed the principal amount invested. Also, some alternative investments have experienced periods of extreme volatility and in general, are not suitable for all investors. Asset allocation and diversification strategies do not ensure profit or protect against loss in declining markets. ---- BUILD Banking™ is a DBA of Skrobonja Insurance Services, LLC. Benefits and guarantees are based on the claims paying ability of the insurance company. Not FDIC insured. Results may vary. Any descriptions involving life insurance policies and its use as an alternative form of financing or risk management techniques are provided for illustration purposes only, will not apply in all situations, may not be fully indicative of any present or future investments, and may be changed at the discretion of the insurance carrier, General Partner and/or Manager and are not intended to reflect guarantees on securities performance. The term BUILD Banking™, private banking alternatives or specially designed life insurance contracts (SDLIC) are not meant to insinuate that the issuer is creating a real bank for its clients or communicating that life insurance companies are the same as traditional banking institutions. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. BUILD Banking™ is offered by Skrobonja Insurance Services, LLC only and is not offered by Madison Avenue Securities, LLC. nor Skrobonja Wealth Management, LLC. ---- This content is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC are not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firms are not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Skrobonja Financial Group, LLC, Skrobonja Insurance Services, LLC, Skrobonja Wealth Management, LLC. ---- Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower? Jenny: Inclusive capital advocacy.The future of regulated investment crowdfunding is being shaped not just by markets but by the voices that advocate for fair, effective policies in Washington. Jenny Kassan, President of the Crowdfunding Professional Association (CfPA), has emerged as a leading champion of this work. The association's upcoming summit and the advocacy efforts that precede it illustrate the growing momentum behind this movement.Jenny explained, “The Crowdfunding Professional Association represents the crowdfunding industry, the regulated investment crowdfunding industry. This is everyone who's involved in trying to make it easier for small businesses, entrepreneurs, changemakers, artists, everyone who has the ability to offer an investment opportunity to be able to offer it to everybody, everybody in the country.”The October summit in Washington, D.C., highlights the growing traction of this movement. Jenny shared that this year, the CfPA is securing more meetings with members of Congress and the Senate who influence financial market rules. That progress signals a growing recognition of the industry's role in democratizing access to capital.Speakers at the summit will include SEC Commissioner Hester Peirce, known for her balanced approach to fostering innovation while maintaining sensible regulation, and James Murphy from FINRA, the body overseeing day-to-day regulation of crowdfunding platforms. These perspectives, alongside industry leaders like Mark Elenowitz, will help issuers, investors, and platforms better navigate the complex regulatory landscape.Jenny was candid about the rapid changes unfolding in this space, especially around emerging technologies like crypto. “The industry is really evolving quickly. Even though there haven't been any law changes yet, there's been a huge, huge evolution and rapid change in the space,” she noted. Panels on crypto and digital assets will explore how innovation intersects with regulation, underscoring the importance of ongoing dialogue with policymakers.The CfPA summit is more than a conference. It is the culmination of months of advocacy, uniting stakeholders to strengthen the rules that govern investment crowdfunding. By convening entrepreneurs, investors, regulators, and industry professionals, the event will serve as a platform to share knowledge, influence policy, and build momentum for greater capital access.Jenny's leadership highlights that regulated investment crowdfunding is still young but brimming with potential. Her efforts—and those of the CfPA—help ensure the system grows into a tool that works for everyone.tl;dr:Jenny Kassan explained how the Crowdfunding Professional Association advocates in Washington to strengthen rules for regulated investment crowdfunding.She shared details about the upcoming summit, including meetings with legislators, regulators, and key industry experts.Jenny emphasized the importance of balanced regulation, highlighting insights from SEC Commissioner Hester Peirce and FINRA's James Murphy.She described how crowdfunding empowers underrepresented entrepreneurs, often outperforming traditional fundraising sources like venture capital and banks.Jenny encouraged participation in the CfPA and its summit, reminding listeners that inclusive access to capital benefits everyone.How to Develop Inclusive Capital Advocacy As a SuperpowerJenny described her superpower as her ability to advocate for inclusive access to capital. She explained that her passion lies in helping entrepreneurs—especially those underrepresented in traditional finance—gain the resources they need to thrive. As she put it, “We see like women, people of color, people that don't come from the top schools or from wealthy families often are quite successful with regulation crowdfunding, sometimes even more so. That's the reason I love the tool so much.”Her superpower is evident in her consistent championing of entrepreneurs who face barriers to traditional funding. By focusing on regulated investment crowdfunding, she empowers founders to bypass gatekeepers and reach communities of investors who share their vision.One story illustrates this clearly: Jenny highlighted data showing that diverse and under-resourced founders often raise more successfully through crowdfunding than through venture capital, angel groups, or banks. That success proves that crowdfunding levels the playing field. For Jenny, seeing women and people of color outperform traditional fundraising norms affirms the power of her mission.Jenny offered valuable insights for developing this superpower:Recognize who is excluded by traditional systems and design new ways to include them.Focus on building tools and structures that make participation easier for everyone.Ground advocacy in data that demonstrates success outside the status quo.Persist in championing change even when mainstream systems resist.By following Jenny's example and advice, you can make inclusive capital advocacy a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileJenny Kassan (she/her):President, Crowdfunding Professional AssociationAbout Crowdfunding Professional Association: The Crowdfunding Professional Association (CfPA) is a 501 (c)(6) nonprofit trade organization established by numerous authors and contributors to the Jumpstart Our Business Startup Act (“JOBS Act”) on April 5, 2012. The CfPA is dedicated to representing the Crowdfunding industry and supporting the Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) while providing the industry with education, a professional network and the tools necessary to cultivate and balance a healthy ecosystem that will accelerate capital formation and ensure investor protection whenever possible. Join our association at https://www.crowdfundingecosystem.com/join or get your company listed with a microsite in the CfPA online ECO directory at: https://www.crowdfundingecosystem.com/upgrade/upgradeWebsite: crowdfundingecosystem.comLinkedin: linkedin.com/company/crowdfunding-professional-associationCompany Facebook Page: facebook.com/CrowdfundingProfessionalAssociationOther URL: events.humanitix.com/regulated-investment-crowdfunding-summit-2025Biographical Information: Jenny Kassan is an attorney, community economic development leader, and nationally recognized advocate for mission-driven entrepreneurship. With nearly 30 years of experience, she has dedicated her career to helping founders raise capital on their own terms while building wealth that stays rooted in local communities. She is the CEO of Baltimore Community Commons, which fosters investment access, knowledge sharing, and mutual aid, and the owner of The Kassan Group, a boutique law firm serving impact entrepreneurs. Jenny is also the author of Raise Capital on Your Own Terms: How to Fund Your Business Without Selling Your Soul and a frequent speaker on innovative finance, sustainable business, and community wealth building.Jenny's leadership extends across the national crowdfunding and economic justice ecosystem. She currently serves as President of the Crowdfunding Professional Association and President of Community Ventures, and previously co-founded CrowdFund Main Street and the Sustainable Economies Law Center. Her public service includes serving on the Fremont City Council, advising the U.S. Securities and Exchange Commission on small and emerging companies, and directing community projects at the Alameda County District Attorney's Office. A graduate of Yale Law School and UC Berkeley, Jenny continues to shape policies and practices that empower entrepreneurs while advancing a more equitable economy.X/Twitter Handle: @jennykassanPersonal Facebook Profile: facebook.com/jenny.kassanLinkedin: linkedin.com/in/jennykassanInstagram Handle: @thekassangroupSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Rancho Affordable Housing (Proactive), and Power Up October. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Superpowers for Good Live Pitch on October 6, 2025, hosted by Devin Thorpe on e360tv, will feature Core Tax Deeds, Dopple, ProActive Realty Group, and Victory Hemp Foods pitching their active Regulation Crowdfunding campaigns to a nationwide audience. Viewers can vote for their favorite companies, win prizes, ask live questions, and join a private investor Zoom session to engage directly with founders and even invest during the show. Don't miss this free chance to discover and support purpose-driven startups—register here: https://thesupercrowd.com/25q3pitchSuperCrowdHour, October 15, 2025, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “The Perfect Pitch: Creating an Irresistible Offering.” As a former investment banker and author, Devin will guide entrepreneurs through the process of crafting a regulated investment crowdfunding offering that aligns with investor expectations and captures attention. In this session, he'll share what makes a pitch compelling, how to structure terms that attract capital, and practical strategies for presenting your company's story in a way that resonates with investors. Whether you're launching your first community raise or refining a current campaign, this SuperCrowdHour will equip you with the tools to stand out and secure investor support. Don't miss this opportunity to learn how to transform your vision into a pitch investors can't resist.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on October 28, 2025, at 1:30 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.KingsCrowd Investment Crowdfunding Week: September 29 through October 2nd, featuring speakers, panels and live pitches. Free registration!Earthstock Festival & Summit (Oct 2–5, 2025, Santa Monica & Venice, CA) unites music, arts, ecology, health, and green innovation for four days of learning, networking, and celebration. Register now at EarthstockFestival.com.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington, DC, October 21-22, 2025.Impact Accelerator Summit is a live, in-person event taking place in Austin, Texas, from October 23–25, 2025. This exclusive gathering brings together 100 heart-centered, conscious entrepreneurs generating $1M+ in revenue with 20–30 family offices and venture funds actively seeking to invest in world-changing businesses. Referred by Michael Dash, participants can expect an inspiring, high-impact experience focused on capital connection, growth, and global impact.If you would like to submit an event for us to share with the 9,500+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

On Tuesday's show: A new Texas-based national stock exchange has moved one step closer to becoming a reality. The U.S. Securities and Exchange Commission is allowing the Texas Stock Exchange, operated by a Dallas-based startup, to move forward as a direct competitor to the New York Stock Exchange and the Nasdaq. We learn what this could mean for Texas and its economy.Also this hour: From solitary confinement, to group recreation, we learn how small changes are reshaping life on Texas death row.Then, comedian Maria Bamford has an amazing ability to slip into and out of characters on stage. We talk with her in her real voice (and maybe some others) ahead of a performance at Houston Improv Wednesday night.And we learn how Houston's Korean community is shaping the city's cultural landscape ahead of the annual Korean Festival this weekend at Discovery Green.Watch

The latest government shutdown stretches into a second week, with no clear resolution in sight. In the new episode of Potomac Perspective, Stifel Chief Washington Policy Strategist Brian Gardner and co-host Neil Shapiro have the latest on efforts to break the stalemate. Also discussed: Banks get the urge to merge, as the Trump administration’s regulatory reforms kick in Key state & local races take the spotlight as Election Day draws closer This material is prepared by the Washington Policy Strategy Group of Stifel, Nicolaus & Company, Incorporated (“Stifel”). This material is for informational purposes only and is not an offer or solicitation to purchase or sell any security or instrument or to participate in any trading strategy discussed herein. The information contained is taken from sources believed to be reliable, but is not guaranteed by Stifel as to accuracy or completeness. The opinions expressed are those of the Washington Policy Strategy Group and may differ from those of other departments that produce similar material and are current as of the date of this publication and are subject to change without notice. Past performance is not necessarily a guide to future performance. Stifel does not provide accounting, tax, or legal advice and clients are advised to consult with their accounting, tax, or legal advisors prior to making any investment decision. Additional information is available upon request. Stifel, Nicolaus & Company, Incorporated is a broker-dealer registered with the United States Securities and Exchange Commission and is a member SIPC & NYSE. ©2025 See omnystudio.com/listener for privacy information.

In this episode, Uzair talks to Zeeshan Khattak, Commissioner at the Securities & Exchange Commission of Pakistan (SECP) about the deepening of financial markets in Pakistan and the ways in which the SECP is trying to expand access to finance at the individual and corporate level. Mr. Zeeshan Rehman Khattak joined the SECP as Commissioner in November 2024. He has over two decades of local and international experience in Real Estate Investment & Management, Regulatory Affairs, Wealth Management, and Development of Export-led Technology Infrastructure. Mr. Khattak brings rich experience in capital markets, regulatory oversight and assets' management. Mr. Khattak's most recent association was with Pakistan Software Export Board (PSEB) as Chief Commercial Officer and additionally as Chief Executive Officer designate. Chapters: 0:00 Introduction 2:20 SECP's priorities 11:25 Savings via digital gold 14:20 Regulatory sandboxes 25:05 Focus on startups 27:30 Climate finance

October is shaping up to be a pivotal month for crypto ETFs, with 16 applications, many tied to altcoins like Solana, XRP, and Litecoin, awaiting final decisions from the U.S. Securities and Exchange Commission. However, the new SEC-approved generic listing standards for exchange traded products could be a game changer for issuers. In this episode of Byte-Sized Insight, we speak with Zach Pandl, Head of Research at Grayscale, and James Seyffart, ETF Analyst at Bloomberg Intelligence, to unpack what makes this round of filings different, how the SEC's stance may be shifting and what the potential approvals could mean for both investors and the broader crypto market.(01:19) Why October 2025 is deemed “ETF Month”(02:41) Breaking down 19b-4 filings and looming SEC deadlines(03:48) The new generic listing standards that could fast-track crypto ETFs(04:52) How the SEC's stance on crypto shifted after the Gensler era(05:32) Bipartisan support in Washington driving crypto regulation clarity(06:57) Key lessons from Grayscale's ETF battles: putting investors first(08:11) Is there real demand for altcoin ETFs in today's market?(08:29) Solana and XRP ETFs: futures market signals early appetite(09:17) Why basket and index ETFs could shape the future of crypto investing(10:03) Inside the next wave of crypto ETFs: simplified access for investorsThis episode was hosted and produced by Savannah Fortis, @savannah_fortis.Follow Cointelegraph on X @Cointelegraph.Check out Cointelegraph at cointelegraph.com.If you like what you heard, rate us and leave a review!The views, thoughts and opinions expressed in this podcast are its participants alone and do not necessarily reflect or represent the views and opinions of Cointelegraph. This podcast (and any related content) is for entertainment purposes only and does not constitute financial advice, nor should it be taken as such. Everyone must do their own research and make their own decisions. The podcast's participants may or may not own any of the assets mentioned.

Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions. When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Watch the show on television by downloading the e360tv channel app to your Roku, LG or AmazonFireTV. You can also see it on YouTube.Devin: What is your superpower? Jenny: Inclusive capital advocacy.The future of regulated investment crowdfunding is being shaped not just by markets but by the voices that advocate for fair, effective policies in Washington. Jenny Kassan, President of the Crowdfunding Professional Association (CfPA), has emerged as a leading champion of this work. The association's upcoming summit and the advocacy efforts that precede it illustrate the growing momentum behind this movement.Jenny explained, “The Crowdfunding Professional Association represents the crowdfunding industry, the regulated investment crowdfunding industry. This is everyone who's involved in trying to make it easier for small businesses, entrepreneurs, changemakers, artists, everyone who has the ability to offer an investment opportunity to be able to offer it to everybody, everybody in the country.”The October summit in Washington, D.C., highlights the growing traction of this movement. Jenny shared that this year, the CfPA is securing more meetings with members of Congress and the Senate who influence financial market rules. That progress signals a growing recognition of the industry's role in democratizing access to capital.Speakers at the summit will include SEC Commissioner Hester Peirce, known for her balanced approach to fostering innovation while maintaining sensible regulation, and James Murphy from FINRA, the body overseeing day-to-day regulation of crowdfunding platforms. These perspectives, alongside industry leaders like Mark Elenowitz, will help issuers, investors, and platforms better navigate the complex regulatory landscape.Jenny was candid about the rapid changes unfolding in this space, especially around emerging technologies like crypto. “The industry is really evolving quickly. Even though there haven't been any law changes yet, there's been a huge, huge evolution and rapid change in the space,” she noted. Panels on crypto and digital assets will explore how innovation intersects with regulation, underscoring the importance of ongoing dialogue with policymakers.The CfPA summit is more than a conference. It is the culmination of months of advocacy, uniting stakeholders to strengthen the rules that govern investment crowdfunding. By convening entrepreneurs, investors, regulators, and industry professionals, the event will serve as a platform to share knowledge, influence policy, and build momentum for greater capital access.Jenny's leadership highlights that regulated investment crowdfunding is still young but brimming with potential. Her efforts—and those of the CfPA—help ensure the system grows into a tool that works for everyone.tl;dr:Jenny Kassan explained how the Crowdfunding Professional Association advocates in Washington to strengthen rules for regulated investment crowdfunding.She shared details about the upcoming summit, including meetings with legislators, regulators, and key industry experts.Jenny emphasized the importance of balanced regulation, highlighting insights from SEC Commissioner Hester Peirce and FINRA's James Murphy.She described how crowdfunding empowers underrepresented entrepreneurs, often outperforming traditional fundraising sources like venture capital and banks.Jenny encouraged participation in the CfPA and its summit, reminding listeners that inclusive access to capital benefits everyone.How to Develop Inclusive Capital Advocacy As a SuperpowerJenny described her superpower as her ability to advocate for inclusive access to capital. She explained that her passion lies in helping entrepreneurs—especially those underrepresented in traditional finance—gain the resources they need to thrive. As she put it, “We see like women, people of color, people that don't come from the top schools or from wealthy families often are quite successful with regulation crowdfunding, sometimes even more so. That's the reason I love the tool so much.”Her superpower is evident in her consistent championing of entrepreneurs who face barriers to traditional funding. By focusing on regulated investment crowdfunding, she empowers founders to bypass gatekeepers and reach communities of investors who share their vision.One story illustrates this clearly: Jenny highlighted data showing that diverse and under-resourced founders often raise more successfully through crowdfunding than through venture capital, angel groups, or banks. That success proves that crowdfunding levels the playing field. For Jenny, seeing women and people of color outperform traditional fundraising norms affirms the power of her mission.Jenny offered valuable insights for developing this superpower:Recognize who is excluded by traditional systems and design new ways to include them.Focus on building tools and structures that make participation easier for everyone.Ground advocacy in data that demonstrates success outside the status quo.Persist in championing change even when mainstream systems resist.By following Jenny's example and advice, you can make inclusive capital advocacy a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfileJenny Kassan (she/her):President, Crowdfunding Professional AssociationAbout Crowdfunding Professional Association: The Crowdfunding Professional Association (CfPA) is a 501 (c)(6) nonprofit trade organization established by numerous authors and contributors to the Jumpstart Our Business Startup Act (“JOBS Act”) on April 5, 2012. The CfPA is dedicated to representing the Crowdfunding industry and supporting the Securities and Exchange Commission (SEC) and Financial Industry Regulatory Authority (FINRA) while providing the industry with education, a professional network and the tools necessary to cultivate and balance a healthy ecosystem that will accelerate capital formation and ensure investor protection whenever possible. Join our association at https://www.crowdfundingecosystem.com/join or get your company listed with a microsite in the CfPA online ECO directory at: https://www.crowdfundingecosystem.com/upgrade/upgradeWebsite: crowdfundingecosystem.comLinkedin: linkedin.com/company/crowdfunding-professional-associationCompany Facebook Page: facebook.com/CrowdfundingProfessionalAssociationOther URL: events.humanitix.com/regulated-investment-crowdfunding-summit-2025Biographical Information: Jenny Kassan is an attorney, community economic development leader, and nationally recognized advocate for mission-driven entrepreneurship. With nearly 30 years of experience, she has dedicated her career to helping founders raise capital on their own terms while building wealth that stays rooted in local communities. She is the CEO of Baltimore Community Commons, which fosters investment access, knowledge sharing, and mutual aid, and the owner of The Kassan Group, a boutique law firm serving impact entrepreneurs. Jenny is also the author of Raise Capital on Your Own Terms: How to Fund Your Business Without Selling Your Soul and a frequent speaker on innovative finance, sustainable business, and community wealth building.Jenny's leadership extends across the national crowdfunding and economic justice ecosystem. She currently serves as President of the Crowdfunding Professional Association and President of Community Ventures, and previously co-founded CrowdFund Main Street and the Sustainable Economies Law Center. Her public service includes serving on the Fremont City Council, advising the U.S. Securities and Exchange Commission on small and emerging companies, and directing community projects at the Alameda County District Attorney's Office. A graduate of Yale Law School and UC Berkeley, Jenny continues to shape policies and practices that empower entrepreneurs while advancing a more equitable economy.X/Twitter Handle: @jennykassanPersonal Facebook Profile: facebook.com/jenny.kassanLinkedin: linkedin.com/in/jennykassanInstagram Handle: @thekassangroupSupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Rancho Affordable Housing (Proactive), and Power Up October. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support:Carol Fineagan, Independent Consultant | Hiten Sonpal, RISE Robotics | Lory Moore, Lory Moore Law | Mark Grimes, Networked Enterprise Development | Matthew Mead, Hempitecture | Michael Pratt, Qnetic | Dr. Nicole Paulk, Siren Biotechnology | Paul Lovejoy, Stakeholder Enterprise | Pearl Wright, Global Changemaker | Scott Thorpe, Philanthropist | Sharon Samjitsingh, Health Care Originals | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.Superpowers for Good Live Pitch on October 6, 2025, hosted by Devin Thorpe on e360tv, will feature Core Tax Deeds, Dopple, ProActive Realty Group, and Victory Hemp Foods pitching their active Regulation Crowdfunding campaigns to a nationwide audience. Viewers can vote for their favorite companies, win prizes, ask live questions, and join a private investor Zoom session to engage directly with founders and even invest during the show. Don't miss this free chance to discover and support purpose-driven startups—register here: https://thesupercrowd.com/25q3pitchSuperCrowdHour, October 15, 2025, at 12:00 PM Eastern. Devin Thorpe, CEO and Founder of The Super Crowd, Inc., will lead a session on “The Perfect Pitch: Creating an Irresistible Offering.” As a former investment banker and author, Devin will guide entrepreneurs through the process of crafting a regulated investment crowdfunding offering that aligns with investor expectations and captures attention. In this session, he'll share what makes a pitch compelling, how to structure terms that attract capital, and practical strategies for presenting your company's story in a way that resonates with investors. Whether you're launching your first community raise or refining a current campaign, this SuperCrowdHour will equip you with the tools to stand out and secure investor support. Don't miss this opportunity to learn how to transform your vision into a pitch investors can't resist.Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on October 28, 2025, at 1:30 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.SuperGreen Live, January 22–24, 2026, livestreaming globally. Organized by Green2Gold and The Super Crowd, Inc., this three-day event will spotlight the intersection of impact crowdfunding, sustainable innovation, and climate solutions. Featuring expert-led panels, interactive workshops, and live pitch sessions, SuperGreen Live brings together entrepreneurs, investors, policymakers, and activists to explore how capital and climate action can work hand in hand. With global livestreaming, VIP networking opportunities, and exclusive content, this event will empower participants to turn bold ideas into real impact. Don't miss your chance to join tens of thousands of changemakers at the largest virtual sustainability event of the year.Community Event CalendarSuccessful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events.KingsCrowd Investment Crowdfunding Week: September 29 through October 2nd, featuring speakers, panels and live pitches. Free registration!Earthstock Festival & Summit (Oct 2–5, 2025, Santa Monica & Venice, CA) unites music, arts, ecology, health, and green innovation for four days of learning, networking, and celebration. Register now at EarthstockFestival.com.Regulated Investment Crowdfunding Summit 2025, Crowdfunding Professional Association, Washington, DC, October 21-22, 2025.Impact Accelerator Summit is a live, in-person event taking place in Austin, Texas, from October 23–25, 2025. This exclusive gathering brings together 100 heart-centered, conscious entrepreneurs generating $1M+ in revenue with 20–30 family offices and venture funds actively seeking to invest in world-changing businesses. Referred by Michael Dash, participants can expect an inspiring, high-impact experience focused on capital connection, growth, and global impact.If you would like to submit an event for us to share with the 9,500+ changemakers, investors and entrepreneurs who are members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

If you tune into social media, there are a lot of influencers and gurus peddling one-size-fits-all financial advice and unfortunately plenty of investors base their strategies on what these people recommend. Find out why basing your investment decisions on what's trending on TikTok is short sighted and discover the seven indispensable steps of building wealth that are the most common among our most successful clients. Conventional wisdom such as paying off mortgages, quickly maxing out 401(k)'s or buying only Term Life insurance can be short sighted. Wealth isn't created by following rules of thumb, random one-size-fits-all fixes, or chasing trendy financial tips. Wealth is created by developing a custom-tailored strategy that facilitates wealth creation and prepares you for the future. The wealthiest people aren't doing the same things as the other 99%. Avoid rushing and applying random tidbits of information without first creating a comprehensive wealth strategy. We all have to take a long-term strategic view of wealth creation. There are seven key steps in building wealth that are common amongst all of our most successful clients. The first step is understanding cash flow. Cash Flow isn't about monthly budgeting. It's a 12-month roadmap that outlines where your money will go including savings, investments, and day-to-day expenses. Effective cash flow management is about abundance and a focus on wealth creation. Budgeting operates from scarcity and measures success by such things as paying off debt or simply making ends meet. Wealth doesn't just magically form out of scarcity. Step two is really understanding your investment risk tolerance. Many investors carry far too much risk for their stated tolerance levels but have really no way of gauging what risks they're carrying. It's crucial to know where you fall on the risk spectrum and to work with a professional to help you tailor your investment strategy. Complete the questionnaire on our website to discover your risk tolerance and know where to start that conversation. Step three is to learn your tax allocation. Knowing how to help mitigate tax liabilities is an essential aspect of building and keeping wealth. Tax deferral methods like 401 K's can be useful in some situations, they are not what we would consider comprehensive tax strategies. A deferral is not a savings. Knowing how to allocate assets to mitigate tax liabilities requires an understanding of your entire financial picture. A professional trio of maybe a certified public accountant, CPA, certified private wealth advisor, CPW, or a tax attorney, is essential for making the most of the opportunities available to you. Step four is to understand investment verticals. The more public market investments that are acquired such as stocks, bonds and mutual funds, the deeper the portfolio vertically grows, but adding more of the same to your portfolio doesn't necessarily mitigate the exposure to the risk you're trying to diversify away from. Horizontal opportunities are outside of the same vertical such as real estate businesses, private equity, and life insurance annuities, and they don't share in the same risk pools that each vertical may be exposed to. Effectively diversifying reduces the risk in a portfolio overall and forms a stable foundation to build on. Don't put all your eggs into one vertical basket. Step five is establishing multiple streams of income. Relying on a single source of income, like your job or a single investment is a risky proposition. Businesses, royalties, passive income investments, or other consulting or freelance opportunities are all ways to create more than one stream of income. More sources of income mean your financial situation is more robust during economic storms and you have more capacity to take advantage of opportunities. Number six is to adopt financial delegation. There's usually an element of cost and trust when managing financial decisions in a DIY fashion. There comes a tipping point when the perceived savings of doing things on your own becomes an opportunity cost. The complexities involved with wealth management require specialized support from professionals. The cost of working with a professional can be seen as an investment when it opens up new opportunities and it allows you to focus on your strengths. Delegate specific financial tasks to professionals like accountants, lawyers, and financial planners. This allows you to focus your time and effort on enjoying the benefits of having the help and the division of labor helps ensure that all aspects of your financial life are managed optimally. Step seven is finding your purpose. Scroll social media and you'll find that there are countless examples of miserable wealthy people. Money certainly makes things easier and helps you afford some privileged experiences but happiness is derived from inside of ourselves. You'll never have enough money and there's always something more to achieve. Answering the question of what you would do or commit your life to if money was not the motivation can offer insight into what you feel like your purpose is. Building wealth is not about quick fixes or following the herd. It's about strategic informed decision making that requires an opportunity that looks at cashflow, risk tolerance, tax allocation, diverse investments, multiple income streams, financial delegation, and purpose.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

What happens when your company's processes are costing you more than they're helping you?In this episode of Grow Your Business & Grow Your Wealth, guest host Jack W. Reeder, CLU, ChFC sits down with Hugh Glazer, Managing Director of Winterview Group. Hugh shares why businesses—whether start-ups or long-established firms—must step back from daily operations and map their transaction flows. From uncovering inefficiencies to improving cash flow and creating better decision-making frameworks, Hugh explains how visual workflows can save money, strengthen performance, and reveal opportunities for growth.Drawing on his decades of experience, including his work with the Goldman Sachs 10,000 Small Businesses program, Hugh talks about the most common mistakes companies make, real-world turnaround stories, and why entrepreneurs need to invest in infrastructure, data analysis, and forward planning to thrive.

What is your wealth's highest purpose? In this episode, we explore that question with a professional wealth advisor who is passionate about helping millennials use their resources to create real impact. We'll dive into donor-advised funds—are you using one?—and why they matter for high-income, mid-career millennials.You'll hear how the bunching strategy works, and a special story about his son shaped his personal giving plan.This is a conversation about aligning strategy with purpose—and why the way you give can matter as much as what you give. Adrian Colarusso is an investment adviser representative of Target Rock Wealth Management, a Registered Investment Adviser with the Securities and Exchange Commission andprincipally located in the state of New York. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. Advisory services are only offered to clients or prospective clients where Target RockWealth Management and its representatives are properly registered or exempt from registration. This podcast is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with appropriate tax and/or financial advisors for advice specific to your situation. All expressions of opinion reflect the judgment of interviewee on the date of the program and are subject to change.

Most shop owners have a CPA, an attorney, and maybe a financial advisor—but without a conductor, progress stalls. That's why you need someone to act as the conductor, bringing all the pieces together.In this episode, Matt Di Francesco shares how the right advisor can quarterback the process, providing emotional guidance, holistic oversight, strategic vision, and accountability—so you avoid costly mistakes and move forward with clarity.Matt also talks about:(02:07) Why your financial life needs a conductor(03:20) Four reasons to hire an advisor (04:20) How personal vision acts as your GPS for life and business(06:15) Why holistic oversight keeps your plan  working together(10:02) How accountability helps you overcome procrastination and blind spots(13:25) How a certified exit planner helps you navigate tax and legal complexitiesConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialDisclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

It looks like there’s a deal to control the scroll. In the latest episode of Potomac Perspective, Stifel Chief Washington Policy Strategist Brian Gardner and co-host Neil Shapiro discuss Tik Tok’s likely fate in the United States. Also covered: New H-1B visa fees leave many in state of confusion Crypto “market structure” bill faces new roadblock Government shutdown looms Former VP Harris recounts unprecedented 107 day campaign This material is prepared by the Washington Policy Strategy Group of Stifel, Nicolaus & Company, Incorporated (“Stifel”). This material is for informational purposes only and is not an offer or solicitation to purchase or sell any security or instrument or to participate in any trading strategy discussed herein. The information contained is taken from sources believed to be reliable, but is not guaranteed by Stifel as to accuracy or completeness. The opinions expressed are those of the Washington Policy Strategy Group and may differ from those of other departments that produce similar material and are current as of the date of this publication and are subject to change without notice. Past performance is not necessarily a guide to future performance. Stifel does not provide accounting, tax, or legal advice and clients are advised to consult with their accounting, tax, or legal advisors prior to making any investment decision. Additional information is available upon request. Stifel, Nicolaus & Company, Incorporated is a broker-dealer registered with the United States Securities and Exchange Commission and is a member SIPC & NYSE. ©2025See omnystudio.com/listener for privacy information.

In this episode, Brian Skrobonja answers the top questions he receives from people looking for help with their financial plan. He sheds light on why a plan is more than just picking stocks, what most people get wrong about passive income, and the benefits of knowing how much tax liability you'll have in the future. Brian answers the top questions he receives from people looking for financial planning assistance.  He starts by explaining why a financial plan is more than just picking a few stocks or bonds. Unfortunately, there are many situations where products are being sold instead of financial plans being developed. For example, an annuity salesperson sells an annuity to somebody and suggests that the product is the retirement plan.  So, what does a good financial plan look like?  According to Brian, the first step is defining what success looks like. Growing your money is not a goal. You must understand and clearly know why you are saving money.  The other question Brian gets asked a lot is about passive income--what it is and why it's important.  Passive income is income that is generated from an asset; it's not cash in hand from selling an asset. For Brian, a retirement income plan cannot exist without passive income. Next is knowing how much future tax liability you have. The question here is what will you do to mitigate those taxes and what strategy do you have in place right now to reduce what taxes you owe right now? The other big question you must address when building a financial plan is the dangers you will face now and in the future. Life doesn't run in a positive straight line. We have to consider health challenges, an unforeseen death, market declines, and other scenarios that can disrupt your plans. The unique approach that Brian and his firm take is that they are more interested in knowing what clients want in life, than following a process to try to flush out the problems that could potentially disrupt those plans, and find solutions to satisfy those things. According to Brian, a plan has little to do with products and everything to do with what you want and how you can make that happen. Brian reveals the amount people have to pay to access his services and why he settled on that particular figure.  He also breaks down the definition of a professional--they get paid for their knowledge and ability to help you.  If someone is working for free, you have to ask what value is being delivered and what is their motivation for offering a free service.  Cost is only an issue when there's an absence of value and any fee without value is too high.     Mentioned in this episode: BrianSkrobonja.com SkrobonjaFinancial.com SkrobonjaWealth.com BUILDbanking.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Annuity guarantees rely on financial strength and claims-paying ability of issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by carrier. Annuities are not FDIC insured. Investments in securities are subject to investment risk, including possible loss of principal. Prices of securities may fluctuate from time to time and may even become valueless. Gas and oil investments are speculative in nature and are sold by Private Placement Memorandum (PPM). Carefully read the PPM before investing. Certain accreditation requirements may apply. Our firm does not offer tax or legal advice. Consult your tax or legal advisor regarding your situation.

You don't need $100,000 to start—here's a step-by-step playbook to begin with $10K in 2025.What's inside (5 Wealth Moves):Invest in skills first. Prioritize high-income skills (sales/design/marketing), mentors, targeted events, and curated free education. Income growth is the #1 wealth tool.Leverage the “boring” compounding. Open a Roth IRA or capture employer 401(k) match. Example: $500/mo for ~30 years at a 7% average could land in the ~$610–$650K range tax-free; maxing to $7K/yr could approach ~$770K (illustrative, not guaranteed).Smart Crypto (not YOLO). Treat crypto as a developing asset class: emphasize networks closer to adoption (e.g., Bitcoin, Ethereum; with select satellites only if aligned with risk tolerance). Keep allocation responsible.House-Hack with FHA. Consider a duplex/triplex/quad with ~3.5% down; live in one unit for a year, rent the others, then convert to a cash-flowing asset. Example: $300K duplex → ~3.5% down (~$10,500), credit 580+, rents can offset a significant share of the payment.Passive Real Estate. Participate in larger deals without day-to-day management, aiming for cash flow, appreciation, and potential K-1 tax benefits. Traditional hurdles include accreditation and $25K–$50K minimums see update below for smaller checks.A new offering is open to non-accredited investors with a $5,000 minimum, a starting path into real estate. Review details & risks at the link above.

The Securities and Exchange Commission voted on Wednesday to approve proposed rule changes by three national securities exchanges, enabling them to adopt generic listing standards for new cryptocurrency and other spot commodity exchange-traded products. The commission vote removes the last remaining hurdle to dozens of new spot ETFs tied to cryptocurrencies ranging from solana to XRP. ~This Episode is Sponsored By Coinbase & Sui~Buy $50 & Get $50 for getting started on Coinbase➜ https://bit.ly/CBARRONSui delivers the benefits of Web3 with the ease of Web2 - Visit ➜ https://bit.ly/SuiWebsiteGuest: James Seyffart, CFA, CAIA ETF Research Analyst Bloomberg Intelligence00:00 Intro00: 10 Sponsor: Coinbase00:45 Coinbase in DC02:00 Brian Armstrong vs JP Morgan04:14 Ethereum & Wall Street05:40 Bitcoin ETF rotation into Ethereum?07:15 ETF floodgates now open08:35 XRP ETF launch10:45 Altcoin ETF apetite11:45 Thoughts on the FOMC13:45 David Tepper: Are we heading towards a disaster?14:20 2026 predictions17:45 Outro#Crypto #Bitcoin #XRP~Crypto ETF Floodgates Open!

This episode of the Unusual Whales Pod was recorded Live on September 17th, 2025. Nicholas and macroeconomic experts and investors to discuss the economy giving us a mixed bag: GDP rebounded in Q2, but inflation remains stickier than anyone hoped, the labor market is cooling, and markets are trying to read the Fed's mind while balancing sheets and bond yields do their own thing. Housing is still pricey, consumer spending shows resilience but is uneven, and global factors from trade friction to energy volatility are keeping many on edge Panel:Joseph Wang https://twitter.com/FedGuy12Thelastbearstanding https://twitter.com/LastBearStandngJonny Matthews https://x.com/super_macroMartin Pelletier https://twitter.com/MPelletierCIOHosted by: Nicholas FNS: https://twitter.com/NicholasFNSUnusual Whales: https://twitter.com/unusual_whalesThis Pod is not financial advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority. The stock market is risky, and any trade or investment is expected to have some, or total, loss. Please do research before any trade. Do not use this information for financial decisions or for investing. You should consult your legal or tax professional regarding your specific situation.Unusual Social Media:Discord: https://discord.com/invite/unusualwhalesFacebook: https://www.facebook.com/unusualwhalesInstagram: https://www.instagram.com/unusualwhales/Reddit: https://old.reddit.com/r/unusual_whales/TikTok: https://www.tiktok.com/@unusual_whalesTwitter: https://twitter.com/unusual_whalesYouTube: https://www.youtube.com/unusualwhales/Merch: https://unusual-whales.creator-spring.com/**Disclaimer:Any content referenced in the video or on Unusual Whales are not intended to provide legal, tax, investment or insurance advice. Unusual Whales Inc. is not registered as a securities broker-dealer or an investment adviser with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (“FINRA”) or any state securities regulatory authority.

Most business owners come into the financial game as the quarterback. They're telling their CPA and financial advisor what they need and when they need it instead of working as a team to plan out a cohesive strategy. This needs to change. Listen to the latest episode of the podcast to learn why your business needs a financial team that works together, and how to incorporate tax planning strategies into your operation, so you're not overpaying taxes and maximizing the odds of your long-term success. Tanner is a CPA with 22 years of experience in the tax world. Born and raised in Utah, Tanner was a natural mathematician and considered joining the FBI as an accountant but didn't end up going that route. He spent 12 years with five different CPA firms, discovering what he liked and didn't like, before venturing out on his own. The Trump tax cuts expire in 2025 and a lot of professionals are anticipating higher tax rates in the near future. One tax benefit that is likely to expire is the QBR deduction for small business owners. Every client is different, but one piece of advice that every business owner can benefit from is choosing the right entity. A lot will depend on what your lifestyle looks like and what you are already paying for. Tax deductions are great but finding tax credits is even better. A good example is the Research and Development tax credit, which can go back as many as three years. Most people wait until there is an immediate need to contact their CPA, but that leaves a lot of opportunity on the table. Tax planning is very different from tax preparation. Tax planning occurs throughout the year and is a more proactive approach that many don't realize is an option. The relationship you have with your CPA is crucial and can play a pivotal role during tax season. With a good relationship you also get the benefit of your CPA's experience in other industries. Taxes are changing all the time, so it helps to have someone you can reach out to throughout the year. Having a financial plan should incorporate tax mitigation strategies. You, your financial planner, your attorney, and your CPA should be working as a team to manage your business finances. The more they can communicate and work together, the more effective they can be. There are a lot of inefficiencies in your business by having your financial plan and tax plan operating in separate silos. Individually, everyone does their job well, but when working together they can really shine. Typically, there's a three-year window on filing for a refund claim. If you feel like your current CPA may not be bringing all the opportunities to your attention, it might benefit you to get a second opinion. If you're planning on selling your business, there are a few things to keep in mind. Is it a stock sale or an asset sale? Do you have clean and accurate records? Plan your sale as far out in advance as you can to make sure you have all that you need for a smooth transition. One of the most underrated and overlooked aspects of tax planning is your bookkeeping for your businesses. Monthly bookkeeping makes it a lot easier to plan and stay ahead of the finances and taxes compared to waiting until January or April to figure out what you have to do. If you make a lot of money, you're going to pay taxes, and that's just the way it is. But when it's a surprise, that's where the problem comes into play.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify MTAconsulting.net     Brian Skrobonja and Tanner Adams are not affiliated. There is no compensation exchanged between Brian Skrobonja and Tanner Adams. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

President Trump's August 7 executive order directs the Labor Department and the Securities and Exchange Commission to issue guidance allowing employers and plan sponsors to include various private assets in 401(k) plans and other defined contribution plans. The permitted assets could include private equity, hedge funds, private credit, real estate investment trusts (REITS), venture capital funds, and crypto-assets. The program discusses the potential risks posed by such alternative assets to investors in defined contribution plans. Three experts in the field explain the President's order and its potential impact: Art Wilmarth, professor emeritus of law at GW Law School, Hilary Allen, Professor of Law at the Washington College of Law at American University, and Amanda Fischer, Policy Director and Chief Operating Officer for Better Markets. Don Resnikoff participated as co-moderator. Please note, the positions and opinions expressed by the speakers are strictly their own, and do not necessarily represent the views of their employers, nor those of the D.C. Bar, its Board of Governors or co-sponsoring Communities and organizations.

LET'S GET POLITICAL!Companies from Delta to Office Depot are disciplining and/or firing employees for their public comments on Charlie Kirk's death Trump wants to end a half-century-old mandate on how companies report earningsCompanies should instead only be required to post earnings every six months, pending the U.S. Securities and Exchange Commission's approval. This change would break a quarterly reporting mandate that's been in place since 1970.“This will save money, and allow managers to focus on properly running their companies.” Appeals court allows Trump administration to end the ‘climate bank' where $20B was set aside to fund climate change projects Donald Trump tilts balance of power from investors to CEOsA BUNCH OF ESG CRAP!Exxon Reportedly Rolls Out Auto-Voting System To Boost Retail Investor Participation, Curb Activist InfluenceOpt-in proxy system would automate retail investor votes to support board positionsElon Musk's $1 Trillion Pay Proposal: Redefining CEO Compensation in the 21st CenturyFirst Elon Musk, now Larry Ellison: The world's richest men are buying huge media companies--because they canLachlan Murdoch Secures Control of Fox and News Corp, Ending Succession FightGoogle tops $3 trillion for the first time, joining select market-cap club with only 3 other membersApple, Microsoft, NvidiaOnly 7 countries have GDPs greater than $3TToxic Fumes Are Leaking Into Airplanes, Sickening Crews and PassengersDoctors compare brain effects to concussions in NFL players.A Wall Street Journal investigation shows the problem is getting worse and not much is being done about it. The Journal's reporting shows that aircraft manufacturers and their airline customers have played down health risks, successfully lobbied against safety measures, and made cost-saving changes that increased the risks to crew and passengers.The gender pay gap is getting wider, reversing progress US shareholders fail to pass any green proposals for first time in 6 years CLIMATE CHANGE/AI SPEED ROUNDCarbon emissions from oil giants directly linked to dozens of deadly heatwaves for first timeBrace for impact: Climate change is set to intensify flight turbulence, warn scientistsWhy climate change is making dengue fever a global threat Climate change will make 1-in-100-year crop failures more commonClimate Change Drives Surge in Deadly Supercell Storms Across EuropeClimate change is pushing venomous snakes into new regionsClimate Change Drives Surge in Deadly Flesh-Eating Bacteria on US CoastsOne out of every 4 homes is at ‘severe or extreme' climate risk, study saysOpenAI foresees millions of AI agents 'somewhere in the cloud' in just a few years--with human supervision Experts Concerned AI Is Going to Start a Nuclear WarPsychologist Says AI Is Causing Never-Before-Seen Types of Mental DisorderSam Altman says people are starting to talk like AI, making some human interactions ‘feel very fake' Sen. Cruz introduces bill to reduce regulatory burden facing AI companies

On today's podcast: 1) An appeals court blocked the White House from removing Federal Reserve Governor Lisa Cook from her post for now, allowing her to continue working while her lawsuit challenging President Trump’s move to dismiss her proceeds. The court's 2-1 ruling came just hours before the start of the Fed's meeting to vote on interest rates, and President Donald Trump could still ask the Supreme Court to step in.2) President Trump is bringing a $15 billion defamation and libel lawsuit against The New York Times, according to a post on Truth Social. The suit is being brought in Florida, Trump says. The president accuses the publication of becoming a “mouthpiece” for the Democratic Party, citing its endorsement of former presidential candidate Kamala Harris among other concerns.3) The Securities and Exchange Commission is "prioritizing" a proposal to reduce the frequency of corporate earnings reports after President Trump called for an end to quarterly reports. Trump said companies should report on a "Six (6) Month Basis" instead of quarterly, which he claims will save money and allow managers to focus on running their companies. Critics argue that shifting away from quarterly reporting could be a "gigantic step backward" and increase uncertainty and volatility on earnings results.See omnystudio.com/listener for privacy information.

Robinhood announced Monday it has filed an application with the U.S. Securities and Exchange Commission to launch a new publicly traded fund that will hold shares of startups. The idea behind the “Robinhood Ventures Fund I” is to allow every retail investor access to make money on the hottest startups before they go public. Also, Rodatherm Energy, a new geothermal startup, emerged from stealth Monday with $38 million in funding and a plan to build a pilot plan in Utah. And, Amid an ongoing surge in defense tech investing, advanced manufacturing company Divergent Technologies raised $290 million to expand production of missile parts and other specialized components for the military. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Financial markets are some of the most heavily regulated markets in the United States. Firms and individuals that wish to engage in financial services–related businesses face complex regulatory regimes that are overseen by a web of agencies that includes, on the federal level, several banking regulators, two markets regulators, and a consumer protection regulator. But the regulation doesn't end there, as a host of other agencies, including state-level regulators and self-regulatory organizations, may also have oversight responsibilities. As attention has turned to ideas of government efficiency, financial regulation should not be left out of the conversation. But how should we right-size financial regulation?Our conference seeks to shed light on this question by asking: How many financial regulators is the right number? What should the balance be between federal and state financial regulation? Should the Federal Reserve shed its regulatory functions? Has federal intervention in housing finance gone too far?Join us at Cato's Center for Monetary and Financial Alternatives annual conference for an outstanding program featuring leading policymakers and experts discussing how to right-size financial regulation. Hosted on Acast. See acast.com/privacy for more information.

My guest today is Greg Reid, President and Senior Portfolio Manager of Real Assets at Westwood Holdings, a publicly held investment firm with over $18b in assets under management. For most of his thirty year career, Greg has led energy infrastructure businesses. And as you'll hear from his accent and style, Greg is the consummate Texas oil and gas man. This is a fascinating time for traditional energy investment. Post-financial crisis, energy investment was a place of capital excess. Soon enough the boom busted and many institutional investors found ESG religion and fully halted allocations. Traditional energy was left for dead. After ten years in the investment desert, many of the remaining institutional investors are throwing in the towel and selling what they have left. The surviving energy companies tend to be lean, capital efficient and valued appropriately. This disconnect between the supply of high quality, energy assets and the weak demand from capital providers provides an attractive landscape, particularly in secondary markets. As our go-to Texas energy expert, Greg is the perfect guest for this conversation.  This podcast was recorded on August 28, 2025.  The respective opinions expressed are those of Mr. Reid and Biltmore Family Office, LLC..  The opinions referenced are as of the date of this podcast and are subject to change without notice.  This material is for informational use only and should not be considered investment advice. The information discussed herein is not a recommendation to buy or sell a particular security or to invest in any particular sector.  Forward-looking statements are not guaranteed.  BFO reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs and there is no guarantee that their assessment of investments will be accurate.  The discussions, outlook and viewpoints featured are not intended to be investment advice and do not take into account specific client investment objectives.  Before investing, an investor should consider his or her investment goals and risk comfort levels and consult with his or her investment adviser and tax professional.   Biltmore Family Office, LLC is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about BFO's investment advisory services can be found in its Form ADV Part 2, which is available upon request.

The collision industry has evolved from handwritten estimates to automation, but one thing remains constant—people.In this episode, Matt DiFrancesco talks with John Stuef, a 40-year industry veteran, about what decades in business taught him about leadership, human behavior, and motivation. John shares how neurochemistry shapes culture, why balance and health matter, and how lessons from dog training apply to leading teams.He also offers practical advice for shop owners on succession planning, valuing their business, and finding purpose beyond the shop.Matt and John also talk about:(02:16) How the book From Doing to Leading came about(04:40) Why technical skill isn't enough(06:03) Can leadership really be learned?(06:32) How recognition triggers chemistry that builds culture(07:52) Why fear shuts people down—and how leaders can unlock growth(11:47) Choosing response over reaction: reframing daily challenges(14:40) The connection between physical health and stronger leadership(20:16) The blind spots that cost shop owners value(23:16) Why succession planning starts on day one(25:18) The “rule of threes” and why purpose drives new venturesConnect With John StuefLinkedIn: https://www.linkedin.com/in/john-stuef-b8a84a47/Check out John's book: From Doing to Leading: Your Guide for Inspiring People on the Front Lineshttps://a.co/d/gmOfzCxConnect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialAbout the guest:John Stuef is a 40-year veteran of the collision repair industry and a seasoned entrepreneur. After building and successfully exiting a multi-shop operation, he went on to hold leadership roles with Caliber and AutoNation before branching into new ventures. Today, John has diversified his career into health and fitness, product development, and dog training through his business, The Dog Captain.He is also the author of From Doing to Leading, a book that explores leadership through the lens of neurochemistry and human behavior. A strong advocate for holistic well-being, John emphasizes the importance of health, balance, and purpose alongside financial success. His unique blend of industry expertise, leadership insights, and personal development journey offers powerful lessons for business owners preparing for their next chapter.Disclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategy discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

The Trump administration is building a case for a national housing emergency. In the latest episode of Potomac Perspective, Stifel Chief Washington Policy Strategist Brian Gardner and co-host Neil Shapiro discuss what that could mean for the real estate market. Also discussed: The Bureau of Labor Statistics under fire again Comings and goings at the Fed ahead of a crucial meeting on interest rates Tough negotiations around a new crypto “market structure” bill The Senate looks at the “nuclear option” when it comes to confirmations This material is prepared by the Washington Policy Strategy Group of Stifel, Nicolaus & Company, Incorporated (“Stifel”). This material is for informational purposes only and is not an offer or solicitation to purchase or sell any security or instrument or to participate in any trading strategy discussed herein. The information contained is taken from sources believed to be reliable, but is not guaranteed by Stifel as to accuracy or completeness. The opinions expressed are those of the Washington Policy Strategy Group and may differ from those of other departments that produce similar material and are current as of the date of this publication and are subject to change without notice. Past performance is not necessarily a guide to future performance. Stifel does not provide accounting, tax, or legal advice and clients are advised to consult with their accounting, tax, or legal advisors prior to making any investment decision. Additional information is available upon request. Stifel, Nicolaus & Company, Incorporated is a broker-dealer registered with the United States Securities and Exchange Commission and is a member SIPC & NYSE. ©2025See omnystudio.com/listener for privacy information.

Entrepreneurs by nature are continuously occupied with running their business and wearing multiple hats throughout the day just to keep things running smoothly. Unfortunately, that leads entrepreneurs into making a number of common mistakes. Mistakes that damage the long-term success and potential of their business. Listen to the latest episode of the podcast to learn about the four most common financial mistakes entrepreneurs make that put the future of their business at risk, and how you can avoid them. Many entrepreneurs find themselves underserved when it comes to financial planning and often rely too heavily on their CPA for financial advice. One common mistake entrepreneurs make is assuming that as long as they meet payroll, stay current on taxes and receive payments from customers, their business is financially healthy. The problem is CPAs primarily focus on looking backwards and reviewing the previous year or quarter to meet tax filing deadlines, instead of looking forward and making strategic plans for the following year. Proper financial planning can help your business reduce its tax liability and increase its profitability. Another common mistake is entrepreneurs take the profit of their business as income, which may not be the most efficient method of distribution. Proper planning helps find the balance between income and profit. Financial planning can also help you determine whether your business structure is still appropriate for where you are or if it needs to evolve. Financial planning also helps mitigate risk, and there are three major risks that every business faces: death, disability, and divorce. Any of these risks becoming a reality can seriously derail a business and its long-term potential. Entrepreneurs tend to visualize positive outcomes rather than seriously considering what could go wrong and how they should address those potential problems. Having a financial plan can include agreements and other triggering events that can help facilitate a smooth outcome when facing such events. Another common mistake made by business owners is treating the business exit as merely a transaction rather than a transition. Exiting the business involves more than just the sale itself; it requires planning for life after the exit. Owners frequently overvalue their business leading to unrealistic expectations regarding the outcome of the sale. Many business owners also underestimate the time and effort required to prepare for a successful exit. Preparation for a sale can take years of planning, if done right, and should be incorporated into an overall financial planning process. Another common mistake is succumbing to the pressure of spending money to avoid tax liabilities. While tax planning is essential, it should not be the sole, driving factor behind financial decisions. FOMO (fear of missing out) can also lead to poor cash flow management, where entrepreneurs may be tempted to seize every opportunity that comes their way without considering its compatibility with their business vision. By having a well defined cash flow plan, entrepreneurs can allocate resources efficiently, reduce financial stress, and build wealth inside and outside of their business while helping to maintain stability during both prosperous and challenging times. A cash flow strategy is an integral part of an overall financial plan and acts as a roadmap, guiding financial decisions and helping you make the most of the cash flow.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA & SIPC. Advisory services offered only by duly registered  individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. This website is solely for informational purposes. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be  rendered by Skrobonja Wealth Management, LLC unless a client service agreement is in  place. Skrobonja Financial Group, LLC provides links for your convenience to websites produced by other providers of industry related material. Accessing websites through links directs you  away from our website. Users who gain access to third party websites may be subject to the copyright and other restrictions on use imposed by those providers and assume responsibility and risk from use of those websites. Any references to protection, safety or  lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the  issuing carrier. This is intended for informational purposes only. It is not intended to be used as the sole  basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Our firm is not permitted to offer, and no  statement made on this site shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and  opinions contained here in provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by our firm. Any media logos and/or trademarks contained herein are the property of their respective owners and no endorsement by those owners of Brian Skrobonja is stated or implied. The awards, accolades and appearances are not representative of any one client's experience and is not indicative of future performance. Each of these awards have set criteria for their nominations and eligibility requirements. “Best Wealth Managers” and “Future 50 Company” are annual surveys conducted by Small Business Monthly. The winner is chosen by an online vote of the general public and no specific criteria is utilized to determine the winner other than number of votes. Some voters may not be clients of Brian Skrobonja and Skrobonja Financial Group. These awards are not representative of any one client's experience and is not indicative of future performance.

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture California is pushing the green new scam. they are now forcing companies to produce audit report on their CO2 emissions. This will be a disaster for California. Appeals court overrules Chutkan and axes billions from climate agenda. Trump is following in the footsteps of Andrew Jackson. Big Pharma is in a big panic. Trump authorized the EUA and trapped Big Pharma. They showed Trump one set of results and the public they tried to hide the actual results, the mislead the government and the public. The Judicial coup is failing for the [DS], everyday that passes they try to stop Trump but they are losing. The [DS] will become desperate and they will push and event, this is all they have left. Watch the water something is about to happen.   Economy California Fights Trump Deregulation by Implementing Its Own ‘Green Accounting' Rule California is leading the resistance against President Donald Trump's deregulation agenda with new rules that will force companies operating in the state to produce audited reports on their CO2 emissions, and analysts say these rules may soon apply to companies throughout the United States. California is preparing to implement two laws, SB 253 and SB 261, which would require companies operating in the state to monitor and report their CO2 emissions, as well as those of their suppliers and customers. These rules, originally passed in 2023, are similar but broader in scope than the mandate that was imposed nationwide by the Securities and Exchange Commission during the Biden administration, but which was effectively canceled under the current Trump administration. “I think the goal of California right now is to get as many other states as it possibly can to go along with this,” Bonner Cohen, senior fellow at the National Center for Public Policy Research, Source: dailysignal.com BREAKING: Appeals Court EXCORIATES Obama Judge Chutkan, Sides with Trump Administration, Axes Billions of Dollars in Biden-Era Climate Grants Earlier this year US District Judge Tanya Chutkan, an Obama appointee, granted an injunction against the EPA and barred Lee Zeldin from clawing back the money that was being sheltered at Citibank for 8 different ‘green' nonprofits. Lee Zeldin previously clawed back the $20 billion in grants under the Greenhouse Gas Reduction Fund (GGRF) and Citibank agreed to freezing the funds earmarked for the eight nonprofits. A federal appeals court on Tuesday delivered a huge blow to Obama-appointed Judge Tanya Chutkan and sided with the Trump Administration by axing billions of dollars in Biden-era climate grants.  , a three-judge panel sided with Trump's EPA in a 2-1 decision. The three-judge panel included: Majority: Rao (Trump), Katsas (Trump) and dissent: Pillard (Obama). Judge Rao wrote the majority opinion and absolutely excoriated Judge Chutkan. “We conclude the district court abused its discretion in issuing the injunction. The grantees are not likely to succeed on the merits because their claims are essentially contractual, and therefore jurisdiction lies exclusively in the Court of Federal Claims. And while the district court had jurisdiction over the grantees' constitutional claim, that claim is meritless. Moreover, the equities strongly favor the government, which on behalf of the public must ensure the proper oversight and management of this multi-billion-dollar fund. Accordingly, we vacate the injunction,” Judge Rao wrote for the majority opinion.

Hester Peirce is a current commissioner at the Securities and Exchange Commission and serves on its crypto task force. Hester returns to the show to discuss her time and role at the SEC, the SEC evolving role in the regulation landscape, the problems with our current state of the financial surveillance, the state of crypto for a regulator's perspective, and much more. Check out the transcript for this week's episode, now with links. Recorded on August 11th, 2025 Subscribe to David's Substack: Macroeconomic Policy Nexus Follow David Beckworth on X: @DavidBeckworth Follow Hester on X: @HesterPeirce Follow the show on X: @Macro_Musings Check out our Macro Musings merch! Subscribe to David's new BTS YouTube Channel  Timestamps 00:00:00 - Intro 00:01:56 - Hester's Career 00:07:57 - Peanut Butter and Watermelon 00:17:37 - Crypto Mom 00:20:49 - GENIUS Act and CLARITY Act 00:22:47 - Crypto Task Force 00:24:04 - Feedback 00:26:53 - Being an SEC Commissioner 00:31:24 - Lane Drifting 00:37:31 - Dissent 00:40:20 - SEC Moving Forward 00:47:03 - Outro

Most investors think the biggest danger comes from recessions, inflation, or the Fed. But Chris Davis, a $20B fund manager mentored by Warren Buffett and Charlie Munger, says the real threat is closer to home: your own behavior.In this episode, we break down why emotions sabotage returns, how to build the patience to outlast bubbles and crashes, and the timeless principles of value investing that have guided the Davis family for three generations.You'll learn:Why all real investing is value investing and everything else is gambling.The difference between growth, value, and dangerous momentum bets.How to protect your wealth from yourself by building discipline and systems.Lessons from Buffett and Munger on patience, resilience, and compounding.Whether you're a seasoned trader or just starting out, this episode will change how you think about risk and show you why mastering behavior is the ultimate edge.Want to support Global Value? https://www.interactivebrokers.com/mkt/?src=gvp1&url=%2Fen%2Fwhyib%2Foverview.phphttps://www.patreon.com/GlobalValueThank you for watching. ❤️ Please support the channel by checking out our affiliates. All commissions are reinvested to improve the quality of videos!- TIKR is the website I use for financial data in my videos. Join me and 250,000+ investors worldwide by using TIKR in your investment analysis. Referral link - https://www.tikr.com/globalvalue- Check out Seeking Alpha Premium and score an exclusive 20% off plus a free 7 day trial! Affiliate link - https://www.sahg6dtr.com/H4BHRJ/R74QP/- Try Sharesight https://www.sharesight.com/globalvalue (remember you get 4 months free if you sign up for an annual subscription!)

A homicide investigation has rocked the final days of Burning Man after a man was found dead “lying in a pool of blood” Saturday night at the Nevada desert festival, according to the Pershing County Sheriff's Office. According to the New York Times, the grim discovery occurred around 9:14 p.m. just as the festival's iconic wooden “Man” effigy began its traditional burn. Also, customers, according to a filing with the Securities and Exchange Commission. Last week the chipmaker reported record revenue of $46.7 billion during the quarter that ended on July 27 — a 56% year-over-year increase largely driven by the AI data center boom. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Going to industry conferences can be one of the most valuable investments you make in your shop's future. Stepping away during the busy season might feel impossible, but the connections, insights, and strategies you gain at these events often pay dividends long after you return home.In this episode, Matt Di Francesco breaks down why events like these are worth your time. He shares the five key benefits of attending—from discovering new technology and legislative updates to networking with peers, empowering your technicians, and even inspiring the next generation of your family to take part in the business.Matt also talks about:(01:56) How conferences help you work on the business(04:13) How after-hours networking drives breakthroughs(05:15) Why bringing techs to conferences expands team knowledge(06:04) How shared insights boost innovation(06:43) Why investing in people builds pride and productivity(07:52) How conferences can inspire the next generationUpcoming conferences:The Texas Auto Body Trade ShowSeptember 12-13, 2025https://www.abat.us/trade-show/Music City Collision ConferenceSeptember 26-27, 2025https://mytcra.com/music-city-collision-conference/SEMA Show 2025November 4-7, 2025https://www.semashow.com/Connect With Matt DiFrancesco:matt@highliftfin.com(814)201-5855LinkedIn: Matt DiFrancescoLinkedIn: High Lift FinancialFacebook: High Lift Financial Instagram: @high_lift_financialYouTube: @highliftfinancialDisclaimer:All information is obtained from sources deemed reliable, but not guaranteed. No tax or legal advice is given nor intended. Content provided herein or on our website should not be construed as an offer for investment advice or for securities, insurance, or other investment products. Investments involve the risk of loss and are not guaranteed. Consult a qualified legal, tax, accounting, or financial professional before implementing any investments or strategies discussed here.High Lift Financial is a DBA for DiFrancesco Financial Concierge, LLC.  Investment advisory services are provided through Cornerstone Planning Group, LLC, an independent advisory firm registered with the Securities and Exchange Commission.

On 4 August, Paul Atkins, the chair of the US Securities and Exchange Commission, launched “Project Crypto”. The SEC wants to make the US “the crypto capital of the world”. Crypto investors make a lot of noise, but who are they, and do they behave differently to other retail investors? A new CEPR discussion paper called “Do you even crypto, bro?” summarises what a representative sample of US citizens think about crypto investments and highlights the gap in attitudes to risk and investing between crypto holders and the rest of the population. Michael Weber of Purdue University is one of the authors, and he tells Tim Phillips about the beliefs, the politics and the attitude to investment gains that have typified the crypto market so far.

Hester M. Peirce, Commissioner at the U.S. Securities and Exchange Commission, discusses the SEC's new approach to regulation under the Crypto Task Force. She details the commission's efforts to foster a healthy, regulated crypto market and the importance of cross-border cooperation in enforcement. Key Takeaways:  How the SEC is providing input for lawmakers on new regulations, and taking feedback from businesses in the industry Shifting from an enforcement-focused mindset to providing regulatory clarity The importance of regulatory frameworks that protect investors while still allowing innovation Ways to collaborate with the U.S. Congress on legislation Guest Bio: Hester M. Peirce was appointed by President Donald J. Trump to the U.S. Securities and Exchange Commission, and was sworn in on January 11, 2018. Earlier this year, Commissioner Peirce was designated as the leader of the SEC's Crypto Task Force. Prior to joining the SEC, Commissioner Peirce conducted research on the regulation of financial markets, and was a Senior Counsel on the U.S. Senate Committee on Banking, Housing, and Urban Affairs. Commissioner Peirce earned her bachelor's degree in Economics from Case Western Reserve University, and her JD from Yale Law School. ---------------------------------------------------------------------------------------- About this Show: The Brave Technologist is here to shed light on the opportunities and challenges of emerging tech. To make it digestible, less scary, and more approachable for all! Join us as we embark on a mission to demystify artificial intelligence, challenge the status quo, and empower everyday people to embrace the digital revolution. Whether you're a tech enthusiast, a curious mind, or an industry professional, this podcast invites you to join the conversation and explore the future of AI together. The Brave Technologist Podcast is hosted by Luke Mulks, VP Business Operations at Brave Software—makers of the privacy-respecting Brave browser and Search engine, and now powering AI everywhere with the Brave Search API. Music by: Ari Dvorin Produced by: Sam Laliberte  

Jenn Todling had a mental breakdown after caring for her chronically ill spouse for five years. She felt trapped and hopeless, assuming she would never be able to leave the situation or have a fulfilling life. This was a turning point for her to realize that her mental health was at risk, and she needed to seek help and support. With a past life as an audit partner at Ernest and Young, a stint at the US Securities and Exchange Commission, and an adjunct faculty coach at the University of Denver, Jenn's journey to become an author, speaker, and coach embodies the power of transformation.      Jenn kept a journal of ideas she needed to share with the world - life lessons and guiding principles led to publishing her journey to help support people through transformation and help them become their most authentic selves.   In her interview, Jenn shares: - The power of mindset in looking for hope in challenging situations. - How creative expression can help support us in getting unstuck from sticky situations. - How we can go after our dreams no matter our age or circumstances.   "If you think you can or can't - You are right" - Henry Ford   An inspirational book club read of one woman's journey of taking the bold step to leave her disabled and volatile spouse and moving across the country in search of adventure, tango, and love. At the tender age of twenty, Jenn faces a pivotal moment when her boyfriend, Morey, proposes marriage after only a few weeks of dating. Her intuition urges her to say no, but she's spent the entirety of her teenage years caregiving for family; she yearns for adventure, and she thinks relocating to California with Morey will give her the freedom she craves. So, she says yes—only to find herself back in the caregiver role after he becomes disabled a few years into their marriage. But it's Morey's volatile personality that ultimately leads Jenn to make a brave decision: it's time to leave. Dancing on My Own Two Feet takes a poignant turn as Jenn relocates to New York City after her divorce. Here, she rediscovers a long-forgotten passion for dance and embarks on a transformative journey that transcends the physicality of movement. Each dance becomes a channel to tap into her inner wisdom, providing the courage to explore the world and embrace new adventures. Then Jenn encounters Gable, a potential suitor, prompting new questions to arise in her: Is she better off on her own? Or could Gable be the love and dance partner she's been longing for?   CLICK HERE FOR YOUR COPY  CONNECT WITH GINA HERE Website Facebook Amazon Linkedin Substack Instagram

Jenn Todling had a mental breakdown after caring for her chronically ill spouse for five years. She felt trapped and hopeless, assuming she would never be able to leave the situation or have a fulfilling life. This was a turning point for her to realize that her mental health was at risk, and she needed to seek help and support. With a past life as an audit partner at Ernest and Young, a stint at the US Securities and Exchange Commission, and an adjunct faculty coach at the University of Denver, Jenn's journey to become an author, speaker, and coach embodies the power of transformation. Jenn kept a journal of ideas she needed to share with the world - life lessons and guiding principles led to publishing her journey to help support people through transformation and help them become their most authentic selves. In her interview, Jenn shares: - The power of mindset in looking for hope in challenging situations. - How creative expression can help support us in getting unstuck from sticky situations. - How we can go after our dreams no matter our age or circumstances. "If you think you can or can't - You are right" - Henry Ford An inspirational book club read of one woman's journey of taking the bold step to leave her disabled and volatile spouse and moving across the country in search of adventure, tango, and love. At the tender age of twenty, Jenn faces a pivotal moment when her boyfriend, Morey, proposes marriage after only a few weeks of dating. Her intuition urges her to say no, but she's spent the entirety of her teenage years caregiving for family; she yearns for adventure, and she thinks relocating to California with Morey will give her the freedom she craves. So, she says yes—only to find herself back in the caregiver role after he becomes disabled a few years into their marriage. But it's Morey's volatile personality that ultimately leads Jenn to make a brave decision: it's time to leave. Dancing on My Own Two Feet takes a poignant turn as Jenn relocates to New York City after her divorce. Here, she rediscovers a long-forgotten passion for dance and embarks on a transformative journey that transcends the physicality of movement. Each dance becomes a channel to tap into her inner wisdom, providing the courage to explore the world and embrace new adventures. Then Jenn encounters Gable, a potential suitor, prompting new questions to arise in her: Is she better off on her own? Or could Gable be the love and dance partner she's been longing for? CLICK HERE FOR YOUR COPY CONNECT WITH GINA HERE Website Facebook Amazon Linkedin Substack Instagram

In the early 2000s, Tesla upended the automotive industry with its ground-breaking electric vehicles and recharging network. Twenty years later, Boom Supersonic is attempting to do the same in the airline industry—will it work?On this episode, Tristan Brandenberg and Nick Sheryka join guest host Ken Katz to discuss Boom Supersonic's ambitious initiative to return supersonic airline travel, including creating all-new aircraft, engines, and supporting network. That begins with flight testing the one-off XB-1 technology demonstrator to prove supersonic overland travel can be nonintrusive to the underlying populace.For financial planning questions or assistance, contact Zach Mindel at zmindel@forumfinancial.com, (630) 474-3599, or visit https://www.forumfinancial.com/profile/zachary-mindel/Zach Mindel is a Financial Advisor with Forum Financial Management, a registered investment adviser with the Securities and Exchange Commission. Neither specialized services nor adherence to the fiduciary standard of conduct should be interpreted as a guarantee of specific outcomes. The success and effectiveness of planning services depend on various factors, including but not limited to the timing and manner of implementation, collaboration with the client and their other professionals, and market conditions. Military service benefits may have eligibility requirements. Past performance is not indicative of future results. All investing comes with risk, including risk of loss. For more information, visit our website at www.forumfinancial.com.Support this podcast at — https://redcircle.com/the-fighter-pilot-podcast/donations

In 2019, President Trump tweeted: "I am not a fan of Bitcoin and other Cryptocurrencies." Today, the Trumps are all over crypto.There are memecoins for Trump and the first lady. They own a stablecoin, a bitcoin mining operation, and a crypto financial services company. And, at the Bitcoin 2025 conference, Trump's media group announced they're raising 2.5 billion dollars from investors to buy bitcoin.At that same conference, speakers included two White House advisors, two sons of the US president, the son of the U.S. Commerce Secretary, and a Trump appointee to the Securities and Exchange Commission. For a cryptocurrency built on independence from big government, this was a swerve.So, what happens when the President of the United States showers his love on the crypto community ... while also becoming a crypto entrepreneur himself? We follow along as Trump Inc.'s Ilya Marritz and Andrea Bernstein spend three days at the Las Vegas conference center where convicts are cheered, oversight and regulation are booed, and the separation of crypto and state no longer applies.Find more Planet Money: Facebook / Instagram / TikTok / Our weekly Newsletter.Listen free at these links: Apple Podcasts, Spotify, the NPR app or anywhere you get podcasts.Help support Planet Money and hear our bonus episodes by subscribing to Planet Money+ in Apple Podcasts or at plus.npr.org/planetmoney.Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy