Podcasts about Fiduciary

In this episode of Dollars & Sense with Joel Garris and Kristin Castello, listeners get a front-row seat to a lively discussion on the latest government updates, major tax changes taking effect in 2025, and the crucial steps needed to prevent costly mistakes with retirement account beneficiaries. The show kicks off with the recent end of the government shutdown, playful banter about holiday travel and food benefits, and a spotlight on the team's annual food and toy drive. Joel and Kristin then break down the most impactful tax changes for the coming year, including a new $6,000 senior deduction, temporary exemptions for tips and overtime, expanded SALT deductions, and a car loan interest write-off. Clear income limits and practical advice make these updates easy to understand, and the hosts share candid insights about who benefits most and how to maximize your savings. The episode's second half zeroes in on retirement planning, focusing on how simple beneficiary mistakes can have dramatic financial consequences. Through real-life stories and actionable solutions, Joel and Kristin guide listeners through the top pitfalls—like neglecting beneficiary forms, naming estates instead of people, skipping contingent beneficiaries, and forgetting spousal waivers on 401(k)s. They emphasize the importance of regularly reviewing forms, keeping financial information organized, and preparing loved ones for the unexpected. Listeners walk away with a checklist of practical tips: review beneficiary forms, never name your estate, list both primary and contingent heirs, complete new paperwork when transferring accounts, and keep spouses and trusts properly documented. The hosts round out the episode with heartfelt marital and financial advice—reminding couples to share knowledge, stay organized, and plan ahead for peace of mind. 

In this episode of Disruption/Interruption, host KJ interviews Mark Mincy, Chief Commercial Officer at US RX Care, about the hidden complexities and conflicts of interest in the pharmacy benefits industry. Mark shares how his company is disrupting the status quo by demanding transparency, eliminating conflicts, and helping employers reclaim millions in savings. The conversation uncovers the tangled web of PBMs, rebates, and the urgent need for legislative and technological change. Key Takeaways: The PBM System is Riddled with Conflicts of Interest [2:34]Mark explains how pharmacy benefit managers (PBMs) and consultants often act in their own financial interest, not the employer’s or patient’s, leading to inflated drug costs. Rebates and Purchasing Contributions Inflate Drug Prices [8:59]The system of rebates and retrospective payments to PBMs can account for up to 80% of a drug’s cost, forcing manufacturers to raise prices and employers to pay more. Transparency and Fiduciary Duty are Essential for Reform [21:37]Mark’s company, US RX Care, operates with complete transparency, passes back all rebates, and offers per-member-per-month guarantees to eliminate guesswork and conflicts. Employers and Consumers Can Take Action [33:34]Mark recommends joining healthcare purchaser coalitions, hiring ERISA attorneys, and demanding non-conflicted consultants to protect interests and drive industry change. Quote of the Show [31:27]:"Everything's intertwined. You want to move and do the right thing. These employers are between a rock and a hard place, so I do think some legislative action needs to occur." – Mark Mincy Join our Anti-PR newsletter where we’re keeping a watchful and clever eye on PR trends, PR fails, and interesting news in tech so you don't have to. You're welcome. Want PR that actually matters? Get 30 minutes of expert advice in a fast-paced, zero-nonsense session from Karla Jo Helms, a veteran Crisis PR and Anti-PR Strategist who knows how to tell your story in the best possible light and get the exposure you need to disrupt your industry. Click here to book your call: https://info.jotopr.com/free-anti-pr-eval Ways to connect with Mark Mincy: LinkedIn: http://www.linkedin.com/in/mark-mincy-a185497 Company Website: https://us-rxcare.com How to get more Disruption/Interruption: Amazon Music - https://music.amazon.com/podcasts/eccda84d-4d5b-4c52-ba54-7fd8af3cbe87/disruption-interruption Apple Podcast - https://podcasts.apple.com/us/podcast/disruption-interruption/id1581985755 Spotify - https://open.spotify.com/show/6yGSwcSp8J354awJkCmJlDSee omnystudio.com/listener for privacy information.

Speaker: Professor Ernest Lim (National University of Singapore)This presentation explores the external dimension of directors' duties—whether directors can and should address climate impacts and other externalities even absent financial benefits to the company's shareholders—in contrast to the shareholder value maximisation focus. Its significance stems from universal investors, the EU due diligence regime, and high emitting SOEs. I examine three arguments: UK nature clauses are constrained by shareholder primacy; US shareholder preference claims are undermined by financially driven activism; and SOE directors' duties can align with state ownership (as shown in China).3CL runs the 3CL Travers Smith Lunchtime Seminar Series, featuring leading academics from the Faculty, and high-profile practitioners.For more information see the Centre for Corporate and Commercial Law website:http://www.3cl.law.cam.ac.uk/

Speaker: Professor Ernest Lim (National University of Singapore)This presentation explores the external dimension of directors' duties—whether directors can and should address climate impacts and other externalities even absent financial benefits to the company's shareholders—in contrast to the shareholder value maximisation focus. Its significance stems from universal investors, the EU due diligence regime, and high emitting SOEs. I examine three arguments: UK nature clauses are constrained by shareholder primacy; US shareholder preference claims are undermined by financially driven activism; and SOE directors' duties can align with state ownership (as shown in China).3CL runs the 3CL Travers Smith Lunchtime Seminar Series, featuring leading academics from the Faculty, and high-profile practitioners.For more information see the Centre for Corporate and Commercial Law website:http://www.3cl.law.cam.ac.uk/

Welcome to this week's Dollars & Sense episode with Joel Garris! Are you wondering if you should rent or buy in today's crazy market? Or how AI is really reshaping the economy—and maybe even your job? In this video, Joel breaks down the biggest financial trends of the moment and gives you the tools to make smarter money moves. First up, Joel uncovers why corporate earnings are smashing expectations and how Amazon's massive AI push could change the workforce as we know it. Is the AI hype the next tech bubble? Find out what you should be watching out for in your investment portfolio today! Then, we jump into the “Rent vs. Buy” debate. With homeownership at historic lows for young people and investing on the rise, Joel explains the pros and cons, the real numbers, and the emotional side of these decisions. Are you better off staying a renter and investing the difference, or does owning your home still build the most wealth? Tune in for the surprising truths—and what most people are getting wrong. Want actionable tips, expert insights, and honest answers to your biggest money questions? Watch now and get ahead of the curve! Don't forget to like, subscribe, and hit the bell so you never miss an episode of Dollars & Sense! 

Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

In this eye-opening episode of The ASHHRA Podcast, hosts Bo Brabo and Luke Carignan welcome Kinjal Patel and Brady Heiner from RxBenefits to demystify the complex world of pharmacy benefit management (PBMs). As costs skyrocket, driven by specialty drugs accounting for 50% of spend from just 2% of prescriptions, HR leaders face fiduciary risks, hidden contract clauses, and potential class-action lawsuits. Kinjal and Brady reveal how transparent PBMs differ from traditional models, why "transparency" claims often fall short, and how RxBenefits operates as a client-aligned Pharmacy Benefits Optimizer with 3 million members' negotiating power.Discover actionable strategies for hospitals and health systems to leverage in-house pharmacies, avoid rebate pitfalls, and conduct essential market checks and audits. The duo emphasizes the critical fine print in PBM contracts (e.g., CVS, Express Scripts, OptumRx) that can erode savings if overlooked. RxBenefits offers free, comprehensive contract analyses to uncover hidden opportunities and protect your organization.Key takeaways for healthcare HR professionals:Understand true PBM transparency vs. marketing hype… demand bias-free alignment.Specialty drugs dominate costs; optimize high-dollar prescriptions for massive savings.Hospital pharmacies are goldmines; structure contracts to maximize rebates and utilization.Fiduciary duty demands expertise; avoid legal risks with proactive audits.Don't DIY pharmacy benefits; partner with consultants for smarter plan design and pricing.A must-listen for HR managing escalating drug spend and compliance. Take control… request your free RxBenefits analysis today!From Our Sponsors...Optimize Pharmacy Benefits with RxBenefitsElevate your employee benefits while managing costs. Did you know hospital employees fill 25% more prescriptions annually than other industries? Ensure cost-effective, high-quality pharmacy plans by leveraging your hospital's own pharmacies. Discover smarter strategies with RxBenefits.Learn More here - https://rxbene.fit/3ZaurZNStreamline HR Compliance with oneBADGEhealthcareSimplify screening, credentialing, and compliance for healthcare HR. oneBADGEhealthcare from ISB Global offers a tailored solution to keep your workforce compliant and efficient. Built for healthcare leaders, it's your all-in-one compliance tool.Get Started here - https://isbglobalservices.com/onebadgeunitedstates/ashhra/ Support the show

The Shocking Reality About Passive IncomeEver heard claims like I make money while I sleep or I earn six figures with no workIn this episode of the Asset Management Group Podcast, Moise Piram and Andrew Nida break down five of the most hyped passive income plays and reveal the real workload, risks, and moving parts behind each one.What we coverAirbnb arbitrage and the real cost of vacancies, city rules, and lease riskDropshipping margins, ad spend, and customer service realityAmazon FBA automation packages, policy changes, and inventory riskYouTube channel automation and what actually drives monetizationOnline course creation and why marketing never endsBetter ways to build durable incomeDividend investing, real estate with proper due diligence, and annuities as part of a planHow to align income strategies with your risk tolerance, taxes, and retirement timelineWhy a fiduciary plan matters for high earners in the United StatesIf this helped, like, share, and subscribe for more no-nonsense insights on financial planning, tax planning, and wealth management.Follow us onX.com: https://x.com/AMGinc_ATLInstagram: https://www.instagram.com/assetmanagementgroupinc/LinkedIn: https://www.linkedin.com/company/amgincatl/Facebook : https://www.facebook.com/beyondtomorrowpodcastWebsite: https://www.assetmg-inc.com/YouTube: https://www.youtube.com/@assetmanagementgroupincTikTok : https://www.tiktok.com/@assetmanagementgroupincBlog: https://www.assetmg-inc.com/blogDisclosureEducational content only. Not tax, legal, or investment advice. Tax laws can change. Consult your CPA or advisor about your specific situation.Passive Income,ali abdaal,youtube automation,how to make money online,stock market,passive income ideas,passive income 2025,passive income investing,karlton dennis,youtube automation step by step,how to make passive income,youtube automation tutorial,shopify dropshipping,news,news today,live news,passive income ideas 2025,make money online,how to make money,how to earn money online,side hustle,AMG,affiliate marketing,faceless youtube channel,ANDREW   Passive income myths, Passive income truth, High income earners United States, Dividend investing strategy, Real estate income, Annuity income, Fiduciary financial advisor, Retirement income planning, Tax efficient investing, Cash flow in retirement, Airbnb arbitrage risk, Dropshipping margins, Amazon FBA automation reality, YouTube channel monetization, Online course marketing, Wealth management for executives, Income strategies for doctors, Income strategies for business owners, Risk adjusted returns, Evidence based investing#PassiveIncome #WealthManagement #HighEarners #FinancialPlanning #RetirementPlanning #DividendInvesting #RealEstateInvesting #Annuities #Fiduciary #TaxPlanning #CashFlow #IncomeStrategies #PortfolioIncome #RiskManagement #Airbnb #Dropshipping #AmazonFBA #YouTubeCreator #OnlineCourse #RetirementIncome #FinancialEducation #SmartMoney #InvestingTips #MoneyTalk #WealthBuilding #FinancialAdvisor #PersonalFinance #AssetManagement

Understanding Limited Partnerships and Limited Liability PartnershipsThis conversation delves into the intricacies of limited partnerships (LPs) and limited liability partnerships (LLPs), focusing on their structural differences, liability dynamics, statutory evolution, and the implications of fiduciary duties. It highlights key case studies, tax benefits, and the operational aspects of dissolution and dissociation, while also addressing the moral hazards associated with limited liability structures.In the complex world of business law, understanding the nuances of different partnership structures is crucial, especially for those preparing for exams or navigating the legal landscape of business associations. This post explores the key differences between Limited Partnerships (LPs) and Limited Liability Partnerships (LLPs), highlighting the statutory nuances and potential pitfalls.The Basics of LPs and LLPs: Limited Partnerships (LPs) and Limited Liability Partnerships (LLPs) serve as hybrid business structures that offer unique benefits and challenges. LPs are designed primarily for raising capital, requiring at least one general partner (GP) with unlimited liability and one or more limited partners (LPs) who enjoy liability protection. In contrast, LLPs cater to professional firms, providing a liability shield for all partners against malpractice, while allowing shared management responsibilities.Key Differences and Legal Traps:Liability Structure: In an LP, the GP manages the business and bears unlimited liability, while LPs are passive investors with liability limited to their capital contribution. However, if an LP participates in management, they risk losing their liability shield. Statutory Compliance: Both LPs and LLPs require formal registration with the state. Failure to comply with statutory requirements can result in the loss of liability protection, as illustrated by cases like Campbell v. Lichtenfels. Tax Benefits: Both structures benefit from pass-through taxation, avoiding the double taxation faced by corporations. This flexibility in profit allocation is particularly advantageous in investment structures.Understanding the legal framework and operational dynamics of LPs and LLPs is essential for anyone involved in business law. These structures offer significant advantages but require strict compliance with statutory requirements to maintain liability protection. As you navigate your legal studies or professional practice, remember to consider the implications of these partnership forms on liability and risk management.Subscribe now to stay updated on the latest insights in business law and partnership structures.TakeawaysThe distinction between LPs and LLPs is crucial for legal exams.LPs are designed for raising capital with a dualistic structure.LLPs provide a liability shield for all partners against malpractice.Statutory compliance is essential for maintaining liability protections.The control rule can jeopardize a limited partner's liability shield.Case studies like Frigidaire illustrate the importance of corporate form.LLPs protect partners from vicarious liability but not their own mistakes.Tax benefits of LPs and LLPs include pass-through taxation.Fiduciary duties differ significantly between general and limited partners.Dissolution processes follow strict statutory guidelines.LP, LLP, business law, partnerships, liability, taxation, fiduciary duties, dissolution, legal structures, case studies

Understanding Partnership Law: Formation, Operation, and DissolutionThis conversation provides a comprehensive overview of partnership law, focusing on the formation, operation, and dissolution of partnerships. It highlights the critical distinctions between general partnerships, limited partnerships, and limited liability partnerships, emphasizing the importance of partnership agreements and fiduciary duties. The discussion also covers the implications of RUPA and UPA, the significance of intent in forming partnerships, and the legal consequences of dissociation and dissolution. Practical strategies for navigating partnership law in exams are also shared, making this a valuable resource for law students and practitioners alike.In the world of business law, partnerships stand out as a unique entity that can form without any paperwork, yet carry significant implications. This post explores the critical elements of partnership law, focusing on formation, operation, and dissolution, to help you navigate this complex area.Formation: Partnerships can form inadvertently, simply by two or more individuals acting as co-owners in a business for profit. This lack of formal requirements can lead to unexpected liabilities, as partners are subject to unlimited personal liability for the partnership's debts. Understanding the Revised Uniform Partnership Act (RUPA) is crucial, as it outlines the conditions under which a partnership is recognized.Operation: Once formed, partnerships operate under a set of default rules unless a partnership agreement is in place. These rules, often not aligned with the partners' intentions, dictate profit sharing, management rights, and fiduciary duties. The duty of loyalty and care are paramount, requiring partners to prioritize the partnership's interests above their own.Dissolution: Dissolution marks the beginning of the end for a partnership, but under RUPA, it doesn't automatically occur when a partner dissociates. Instead, the remaining partners can choose to continue the business, buying out the departing partner's interest. This shift towards continuity offers stability but requires careful navigation of the buyout process.Navigating partnership law requires a keen understanding of both the legal framework and the practical implications of forming and operating a partnership. A well-drafted partnership agreement is your best tool to avoid the pitfalls of default rules and ensure the partnership operates smoothly. Subscribe now to stay informed on the latest in business law.TakeawaysPartnerships can form without any paperwork, leading to unlimited personal liability.Understanding the difference between general partnerships and limited liability partnerships is crucial.The partnership agreement is essential for defining roles, responsibilities, and profit-sharing.Fiduciary duties require partners to act in the best interest of the partnership.Dissociation does not automatically lead to dissolution under RUPA, promoting business continuity.The intent to form a partnership is determined by conduct, not just verbal agreements.Default rules under RUPA can be economically disastrous if partners do not have a written agreement.Joint and several liability means creditors can pursue any partner for the full amount of partnership debts.The duty of loyalty is a high standard that partners must uphold.Understanding the nuances of partnership law is vital for both legal practice and exam success.partnership law, general partnership, limited partnership, limited liability partnership, RUPA, UPA, fiduciary duties, partnership agreement, business law, liability

In this episode of Dollars & Sense, Joel Garris and Christina Lamb tackle two of the most pressing topics in personal finance: the power—and pitfalls—of leveraged ETFs, and the shifting wealth equation for young Americans deciding between renting or buying a home. Listeners will discover why leveraged exchange-traded funds can supercharge returns but demand careful strategy and constant attention, as Joel and Christina break down the pros, cons, and key takeaways for investors seeking higher stakes in the market. The discussion then pivots to the rent vs. buy debate, exploring whether investing your cash as a renter might outpace the long-term gains of homeownership. It's a data-driven look at how rising housing costs, changing economic trends, and the influence of social media are reshaping wealth-building decisions for Gen Z and millennials. Joel and Christina share real-world numbers, highlight crucial tax differences, and offer practical advice on making the best choice for your financial situation and life goals. If you want to understand the risks and rewards of today's investing landscape—from leveraged ETFs to smarter housing decisions—this episode delivers actionable insights and thought-provoking perspectives. Click to listen and discover how you can build wealth with confidence in a rapidly changing world! 

Understanding Agency Law: The Backbone of Business RelationshipsThis conversation delves into the intricacies of agency law, exploring its foundational principles, the roles of principals and agents, and the implications of authority and liability. It highlights the importance of fiduciary duties, the distinctions between employees and independent contractors, and the challenges posed by modern gig economy structures. The discussion emphasizes the critical nature of understanding agency relationships for legal success, particularly in the context of contracts and torts.Imagine tapping an app to order food, a simple action that triggers a complex web of relationships. Behind this convenience lies the fundamental question of agency law: when is one person legally responsible for another's actions? This blog delves into the core principles of agency law, a critical component of business associations and a favorite topic on the bar exam.The Foundation of Agency Law: At its heart, agency law is about control and consent. The principal, akin to a puppet master, grants the agent the power to act on their behalf. This relationship is not just any agreement; it carries the weight of fiduciary duty, demanding the highest loyalty from the agent to the principal.Authority: The Bridge to Liability: Authority is the linchpin that connects the principal to third parties. Whether it's actual, apparent, or ratified authority, understanding its nuances is crucial. The classic case of Megs illustrates the lingering effects of apparent authority, where failure to notify third parties can bind a principal to unauthorized actions.Vicarious Liability and the Scope of Employment: Respondeat superior, or "let the master answer," is a cornerstone of agency law, holding employers liable for employees' actions within the scope of employment. The distinction between a detour and a frolic determines liability, with modern courts sometimes broadening this analysis through the zone of risk test.The Gig Economy Challenge: The rise of the gig economy has blurred traditional lines, challenging the application of agency law. The classification of workers as employees or independent contractors has significant legal implications, with tests like the ABC test in California making it harder to classify workers as contractors.Agency law remains a vital framework in understanding business relationships, from traditional master-servant dynamics to modern gig platforms. As the economy evolves, so too must our interpretation of these foundational principles. For law students and professionals alike, mastering agency law is essential for navigating the complexities of modern business.TakeawaysAgency law is the foundation of legal relationships.The agency relationship is voluntary and consensual.Control is key to determining liability in agency law.There are three types of principals: disclosed, partially disclosed, and undisclosed.The distinction between employee and independent contractor is crucial for tort liability.Actual authority can be express or implied.Apparent authority protects third parties relying on the agent's appearance of authority.Fiduciary duties include loyalty, care, and obedience to the principal.Termination of agency does not end apparent authority without notice.The gig economy challenges traditional agency law concepts. agency law, legal relationships, principal, agent, tort liability, fiduciary duties, independent contractor, authority, gig economy

Join Matthew Allgeyer and Kyle Jones as they dive into the crucial issues shaping your retirement. In this episode of Your Retirement Highway, our hosts discuss a key retirement topic, sharing expert advice, actionable strategies, and experiences that matter. From taxes and Social Security to long-term care and market volatility, they cover what you need to know to chart your retirement course with clarity and confidence.

Website: Haven Planning Home - Guide & Educate on Building a Financial Plan

Should you work with a financial advisor? Discover when hiring a certified financial planner makes sense for federal employees and retirees—and when DIY investing might be enough.Learn the real value a fiduciary financial advisor brings to your retirement planning, from tax-smart strategies to FERS benefits optimization. Whether you're nearing retirement or managing TSP withdrawals, this guide covers what to expect when working with a professional advisor.

In this special author conversation, George and Patrick talk with longtime Academy instructor Frank Pennachio, as he explains what drove him to write The Silent Danger, uncovering how … Read More » The post Frank Pennachio on Fiduciary Risks Hidden in Self-Funded Health Plans | Author Conversation appeared first on Insurance Journal TV.

With the term "financial advisor" being used so broadly these days, it's harder than ever for retirees and investors to make sense of who's actually guaranteed to act in their best interest. So let's talk about the key responsibilities of fiduciaries, explore the differences between fee-only advisors and those who earn commissions, and go through why full disclosure and ongoing advice matter so much in your financial planning relationship. I share practical tips on how to vet potential advisors, whether you're unhappy with your current one or searching for the right fit for the first time, and discuss online resources designed to help you find an aligned, trustworthy professional. If you want to make sure your advisor is truly putting your interests first, this episode is for you. You will want to hear this episode if you are interested in... [00:00] What is a Fiduciary Advisor? [04:59] Fiduciary duty in financial advice. [10:14] Advisor compensation and fiduciary conflicts. [13:16] Financial advisor versus Fiduciary. [14:41] Choosing your Fiduciary Advisor. [16:22] How to find a potential Fiduciary Advisor. What Is a Fiduciary and Why Should You Care? A fiduciary is someone who is legally and ethically bound to act in your best interest. Professions such as attorneys, executors, and corporate officers have fiduciary obligations, but in wealth management and investing, this distinction is particularly critical. Registered investment advisory firms (RIA) and their representatives are fiduciary advisors, meaning their primary responsibility is you, the client, unlike brokers or insurance agents, whose loyalty is often to their employer. Because anyone can call themselves a "financial advisor," the consumer's challenge is identifying who's truly working for you. How Fiduciary Financial Advisors Serve You 1. Duty of Care A fiduciary advisor must always put your interests first, providing recommendations and advice tailored for your benefit. This doesn't automatically mean recommending the cheapest investment, it means recommending the most appropriate solution, factoring in cost, liquidity, and other key details. If an advisor recommends their own firm's products, this must be clearly disclosed due to the potential conflict of interest. 2. Duty to Seek Best Execution When managing your investments, a fiduciary is responsible for choosing brokers and executing trades with your best interest in mind. It's not just about low commissions; it's about balancing price, research, reliability, and responsiveness. 3. Ongoing Advice and Monitoring A true fiduciary doesn't just sell you a product and disappear. They provide continuous advice, meet with you regularly, ideally at least annually or semi-annually, and adjust your strategy as your life and goals change. If you haven't heard from your advisor in years, they're likely not fulfilling their obligations. 4. Duty of Loyalty Advisors must actively avoid or disclose any conflicts of interest. Vague, general disclosures aren't enough; specifics matter so you can make informed decisions. For example, any financial benefit your advisor receives from recommending a particular fund or insurance policy should be clear and transparent. How Fiduciary Advisors Get Paid and Why It Matters Fiduciary RIAs typically avoid commissions and instead rely on three main payment models: Hourly Fees: You pay for the advisor's time, just as you would an attorney. Flat Fees: One-time fees for specific services, like a comprehensive financial plan. Assets Under Management (AUM): The most common method; you pay a percentage of the assets the advisor manages for you (often around 1% annually). The aim is to remove any incentive for the advisor to recommend products based on compensation rather than your best interest. Financial Advisor vs. Fiduciary: Spotting the Difference Many professionals use the title "financial advisor," whether they are fiduciaries or not. The real question to ask: Are you a fee-only advisor? Fee-only advisors are paid solely by the fees their clients pay, not commissions or kickbacks from financial products. To do your own research, use the online tools I recommend to verify credentials, licenses, and complaint histories. Also think about asking your advisor to sign a fiduciary oath, confirming their commitment to act solely in your interest. A fiduciary promises ongoing advice, transparency, and loyalty, values that matter when your future is at stake. Remember: Ask questions, verify credentials, and always ensure your advisor is truly working in your best interest. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE BrokerCheck IAPD findmyfiduciary.com Fiduciary Oath CFP.net Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

In this episode of Dollars & Sense with Joel Garris, listeners are treated to an insider's perspective from a prestigious investment conference attended by just 100 select guests and hosted by one of the world's largest asset managers. Joel kicks off with a deep dive into the hottest topic in finance—Artificial Intelligence (AI). He explores AI's growing influence on investments, the labor market, and society, highlighting both its potential and the cautionary flags, such as possible overcapacity and the challenges it poses for younger generations. Joel then shifts focus to three major investment themes: the importance of national security in shaping investment decisions, the surge of private equity and private credit for everyday investors, and the need for careful portfolio allocation to avoid hidden overconcentration in growth stocks. Next, Joel breaks down everything you need to know about Required Minimum Distributions (RMDs)—from recent changes in age requirements to smart strategies for minimizing tax impact, including withholding and charitable giving. Whether you're nearing retirement or already enjoying it, this segment offers actionable advice to keep your finances on track. The episode also features a practical guide to Ladybird Deeds—an estate planning tool that helps homeowners transfer property to loved ones without the hassle of probate. Joel explains how Ladybird Deeds work, their advantages over traditional probate, and step-by-step instructions to implement this powerful tool. Rounding out the show, Joel reviews the latest market headlines, including a strong start to earnings season and how AI-driven efficiencies are helping corporate America outperform expectations. If you want to learn how AI is reshaping investments, the keys to managing your retirement withdrawals, and estate planning strategies that save time and money, this episode is packed with insights you won't want to miss.

Ready to swap your morning commute for a leisurely coffee, but wondering how to keep those paychecks flowing after retirement? This week on "Your Retirement Highway," Matthew Allgeyer takes the wheel solo and invites you to rethink how retirement really works. From budget blind spots to the pitfalls of the “4% rule” and the warning signs your advisor might be taking the wrong route, Matt pulls back the curtain on what can make or break your retirement journey. Ever considered sneaking your own investment account past your advisor, or wondered if your nest egg will survive a stormy market? You're not alone—and it's time to get answers.But hold on, there's more than market moves and numbers on a spreadsheet. What happens when life throws a curveball—like a recession, family surprises, or those curveballs no one sees coming? Find out why contingency planning is the ultimate secret to stress-free golden years, and how a second opinion just might be the ticket to your best retirement yet. Listen now and learn how to cruise smoothly past the roadblocks—and maybe, just maybe, land on cloud nine with your retirement plans.

What does true diversification look like when you're building wealth as a pilot? In this episode, Ryan Gibson sits down with his longtime colleague and friend, Ted Greene, to unpack how to define success with your spouse, avoid emotional investing, and create a portfolio that brings peace of mind. From surviving Wall Street lawsuits to building lasting wealth through real estate, Ted shares the hard-earned lessons behind his “NNN Principle”: Never, Never, Never invest by looking in the rearview mirror. Learn how to protect your assets, ladder your investments, and build a plan that lasts through every market cycle.Ted Greene is the Investor Relations Manager for Spartan Investment Group. Ted is a third-generation Seattleite who married his high school sweetheart. Ted and Melissa have two children attending the same High School where they first met. After graduating from Seattle Pacific University with a BA in Finance, Ted spent 24 years in the financial services industry as an investment advisor and Fiduciary.Download Ted's Ebook here: https://go.spartan-investors.com/l/1038393/2025-09-17/39mf5bShow notes:(0:00) Intro(1:30) Ted's background: Merrill Lynch to Spartan(3:10) Defining success through diversification(5:22) Why Ted left Wall Street(6:44) How to align with your spouse on money(9:38) What “uncorrelated assets” really mean(12:00) The 50-question eBook on financial alignment(14:49) Concentration builds wealth, diversification protects it(19:20) The NNN Principle: Never, Never, Never(22:18) Smaller positions, smarter protection(25:22) Laddering investments for flexibilityConnect with Ted Greene:LinkedIn: https://www.linkedin.com/in/ted-greene-iamnotafraid/—If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you on the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

As Halloween approaches, and thoughts turn to ghosts,goblins and things that go bump in the night, Nevin (Adams) & Fred (Reish) turned their focus to things that SHOULD have the attention of (and perhaps even scare) plan fiduciaries.Now, there are lots of things that require careful attention, selection and monitoring of plan assets and services by planfiduciaries; advisors and plan sponsors alike. But there are some things that may sneak up on even the most attentivefiduciary – things like:Your target-date fund glidepath(s) – Is it “to”retirement or “through” retirement, is it appropriate for your participant base, and do THEY know what it is (particularly at the projected date of retirement)?The degree of personalization in a “managed” account– How personalized is it, what data elements are considered, is the cost (relative to a target-date fund alternative) reasonable for the value provided, and who pays it?  Is it structured as a qualified default investment alternative (QDIA)? Cybersecurity – What provision(s) have your providersmade in securing participant data (particularly in view of the sample questions provided by the Labor Department), and are you prepared to deal with those questions in a DOL audit?    Participants that leave their accounts “behind” – Whatprocedures do you have in place to communicate with, and in some cases track down for distributing benefits?  Are youable to appropriately track and administer required minimum distributions (RMD)?Ignorance of fees – Do you know what fees are being paid by the plan, to whom, for what, and how? Personal liability – Plan fiduciaries are personally liable for the actions they take (or don't) with regard to plan administration.  Traditional organizational insurance policies don't cover that, nor does the fiduciary bond required. What provision(s) have you made to insure against that possibility?Episode Resources5 Things That (Should) Scare Plan Fiduciaries Target- Date FundsDOL: Target Date Retirement Funds - Tips for ERISA Plan FiduciariesCybersecurityDOL Cybersecurity Program Best PracticesTips for Hiring a Service Provider with Strong Cybersecurity PracticesCybersecurity tips for participantsParticipant “Leave Behinds”National Registry of Unclaimed RetirementBenefits: https://www.unclaimedretirementbenefits.com/A nationwide, secure database listing of retirement planaccount balances that have been left unclaimed by former participants of retirement plans.Retirement Savings Lost and Found Database: https://lostandfound.dol.gov/EBSA is helping America's workers and beneficiaries searchfor retirement plans that may still owe them benefits by establishing a public Retirement Savings Lost and Found Database through the SECURE 2.0 Act of 2022. This database serves as a centralized location to find lost or forgottenbenefits and get information on how to obtain those funds.Fiduciary Insurance5 Dangerous Fiduciary AssumptionsThe value of fiduciary liability insurance How plan fiduciaries can protect themselves from litigation Fiduciary liability insurance offers protection from claims | Invesco US

On this episode of Benefits Companion, host Brydon DeWitt talks with Sarah Parker of SageView Advisory Group about the growing interest in private markets within defined contribution retirement plans. They explore what “private markets” really mean, why more plan sponsors are considering them, and how these investments could impact participants' long-term outcomes. Whether you're a plan sponsor, fiduciary, or benefits professional, this episode offers insights into the opportunities and complexities of integrating private markets into defined contribution plans.

In this can't-miss episode of Dollars & Sense, hosts Joel Garris and Zach Keister tackle the timely topics reshaping America's financial landscape. They kick off with a deep dive into tariffs—cutting through the headlines to reveal how the U.S. economy remains resilient, why the actual costs may be less than you think, and what you can do to protect your portfolio.Next, they demystify the Great Wealth Transfer, exposing the gap between Gen Z's inheritance expectations and the realities Baby Boomers face, from rising healthcare costs to shifting family values. You'll hear practical advice and real-life stories that show how open conversations and professional planning can make all the difference. Joel and Zach also explore the dynamics of staggered retirement—why most couples don't retire at the same time, the financial benefits and emotional hurdles involved, and actionable strategies to help partners plan for this new reality. Drawing on client experiences and their “Next Gen Dollars and Sense” workbook, they share tips to help listeners budget smarter, communicate better, and turn uncertainty into opportunity. Whether you're worried about market volatility, planning for inheritance, or figuring out retirement timing with your spouse, this episode delivers step-by-step solutions, expert insights, and engaging banter.  

Buckle up for a lively ride down Your Retirement Highway as Kyle Jones and Matt Allgeyer tackle one of the biggest surprises facing retirees today: living longer than you ever expected. Hear how Kyle's family celebration sets the tone for a candid discussion about “longevity risk”—and why the old rules of retirement planning might not keep up with your rapidly increasing life expectancy. If you think a pension or Social Security is a surefire safety net, think again!In this episode, our hosts peel back the curtain on what really makes a retirement plan work—and what could leave you scrambling later in life. Is there a magic investment mix for security and growth? Are annuities really the answer, or just one part of the puzzle? You'll get stories, laughs, and practical tips, plus one important question every retiree needs to consider. Don't miss this episode—your future self will thank you for tuning in!

Donovan Ryckis is the award-winning founder and CEO of Ethos Benefits, leading the charge in fiduciary-driven healthcare strategies for employers. A former Securities Advisor, he shifted from investment advising after uncovering inefficiencies in employer healthcare plans—achieving 40% savings for a client without reducing benefits. Alongside his wife and business partner, Chelsea, Donovan applies a fiduciary financial process to help organizations cut costs and improve outcomes.Brenda Kruse, CFO of Axiom Healthcare Services, brings over 26 years of financial leadership in healthcare and senior living. A licensed CPA, she excels in strategic planning, compliance, and cost management, driving both financial strength and quality care across her organization.In this episode, Eric, Donovan, and Brenda discuss:How employers can apply a fiduciary mindset to healthcare plans under ERISA.The importance of data transparency in managing plan costs and pharmacy benefit managers (PBMs).Aligning advisor compensation with employer and employee interests.Real-world examples of reducing costs while improving employee benefits.Key Takeaways:Many employers don't realize their healthcare plans carry ERISA fiduciary liability just like retirement plans. Creating a formal benefits committee ensures decisions are documented, consistent, and defensible.Data ownership and transparency are critical. Without detailed claims and pharmacy data, employers can't pinpoint where costs are being driven or negotiate effectively.Pharmacy Benefit Managers (PBMs) are often overlooked sources of cost savings. Changing PBMs can reduce plan expenses by up to 50–70% with minimal disruption to employees.Aligning broker and consultant incentives with the employer's goals prevents conflicts of interest and ensures decisions are made in the plan participants' best interests.“If we don't have data, we don't know where our costs are being spent… 60% of our costs were in pharmacy, and yet our previous broker really wasn't even trying to change our pharmacy plan at all.”— Brenda Kruse“Even disclosing fees is only since the CAA of 2021, even still today, companies are doing it very poorly… They say it's part of their entire book of business, so they can't calculate it per client—that's certainly a bad starting point.” — Donovan RyckisConnect with Donovan Ryckis & Brenda Kruse:Website: https://ethosbenefits.com/ & https://www.axmservices.com/LinkedIn: https://www.linkedin.com/in/donovanryckis/ / https://www.linkedin.com/in/brenda-kruse-1a90592b/Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ Important clarification from the podcast show dialogue: "If an ERISA plan exceeds 100 participants with an account balance but remains under 120 in perpetuity, then the plan would not require an audit for each subsequent year that it remains under 120 participants with a balance. Please verify current rules and check with your plan record-keeper, advisor, or CPA to ensure compliance with this requirement." The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to change.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

LISTEN and SUBSCRIBE on:Apple Podcasts: https://podcasts.apple.com/us/podcast/watchdog-on-wall-street-with-chris-markowski/id570687608 Spotify: https://open.spotify.com/show/2PtgPvJvqc2gkpGIkNMR5i WATCH and SUBSCRIBE on:https://www.youtube.com/@WatchdogOnWallstreet/featured  Chris Markowski calls out Wall Street's hypocrisy as Morgan Stanley opens crypto trading to all clients — abandoning even the pretense of protecting investors. He breaks down how big firms like Morgan Stanley pay lip service to “fiduciary duty” while serving their true master: shareholders. From inflated spreads to reckless risk-taking, Chris exposes how the system is designed to profit off clients, not protect them — and reminds listeners that the smart play isn't trusting these firms with your money, it's owning their stock instead.

My guest today is Michael Etzel – a partner at Bridgespan, and one of the key architects behind a shift that's still unfolding: the effort to bring hard-nosed analytical discipline to a field once seen as closer to charity than capital.Michael came to this work from the social sector, back when “impact investing” wasn't yet a defined field. At Bridgespan, he began advising philanthropists and foundations – and over time, that work expanded to include some of the world's largest asset managers as they started asking how capital could solve problems philanthropy couldn't.His idea was pretty simple: to put impact first.Our conversation starts with that principle – and where it sits between two poles. On one side: traditional philanthropy willing to lose money in service of outcomes. On the other: finance-first investing chasing market-rate returns. Impact-first lives in the messy middle. The kind where the first diligence question isn't “What's the IRR?” – it's “What's the problem we're solving?”Michael was one of the architects of the Impact Multiple of Money, or IMM – a six-step process designed to estimate and compare the social or environmental value created for every dollar invested. It starts with what a business produces, connects those outputs to real-world outcomes, and draws on academic research to ground the analysis. The result is a dollar-based estimate of impact – not to put a price on people's lives, but to give investors a common language for understanding what value really means.Michael breaks it down in plain terms. He and his team actually put numbers to impact – they start with what a business produces, figure out what real-world benefits come from that, adjust for the risks, and then compare it to the money invested.The IMM framework is now used across TPG's Rise and Rise Climate funds, together managing tens of billions of dollars in assets. It's become part of how they underwrite investments, sitting right alongside financial measures like IRR and MOIC when evaluating performance.And the best part – it's open source. The full method and case studies are published in Harvard Business Review (“Calculating the Value of Impact Investing”), so anyone can see how the math works.But for Michael, this work has never been just about frameworks. It's about decision-making – what actually happens inside organizations when impact moves from a good idea to something real.In this conversation, we also got into some of the bigger questions shaping the future of the field:Fiduciary duty, and why that concept needs a serious resetHow much progress still depends on individuals, not market forcesAnd why one of the most overlooked disciplines in this work is simply knowing how to say noTune in!*** Impact investing services are provided by Bridgespan Social Impact, Inc., a wholly owned subsidiary of The Bridgespan Group.–About the SRI 360° Podcast: The SRI 360° Podcast is focused exclusively on sustainable & responsible investing.—Connect with SRI360°:Sign up for the free weekly email updateVisit the SRI360° PODCASTVisit the SRI360° WEBSITEFollow SRI360° on XFollow SRI360° on FACEBOOK—Additional Resources:- The Bridgespan Group website- Michael Etzel Biography- Michael Etzel LinkedIn- Calculating the Value of Impact Investing

In this episode of Dollars & Sense, host Joel Garris breaks down the critical steps to "die better"—or at least be better prepared—by mastering the essentials of estate planning. Drawing from Chapter 19, "Death: The Other Certainty," of the Next Gen Dollars and Sense book, Joel shares practical advice to help listeners avoid common estate planning pitfalls and protect their loved ones. The episode highlights the different ways property transfers after death, including operation of law, operation of contract, and wills, explaining how each impacts your financial legacy. Listeners will discover tips on titling property, the importance of beneficiary designations, and strategies for making the process smoother, such as using Transfer on Death (TOD) or Payable on Death (POD) addenda and understanding the use of ladybird deeds. With real-life scenarios and actionable guidance, this episode is a must-listen for anyone who wants to take control of their financial future and ensure their wishes are honored. Tune in to learn how proactive estate planning can ease the burden for your family and spark meaningful conversations around the holidays! 

Ready for the ride of your life? This week on Your Retirement Highway, Matt Allgeyer and Kyle Jones trade stock charts for fishing tales—and reel in some surprising wisdom from a river getaway. But don't let the lighthearted talk fool you; the real catch of the episode is the timely discussion of the latest government shutdown and what it means for your savings, investments, and long-term security. Will this political drama rattle your retirement plan, or is the hype all just a bit of noise?You'll want to stick around as Matt and Kyle get candid about which headlines matter, which don't, and why smart investors know how to separate fact from fear. Plus, discover why relying on your gut—or your advisor's promises—just isn't enough to steer you down the right financial road. Don't miss out! This episode is packed with practical tips, surprising market insights, and a few laughs along the way. Hit play and find out where your retirement highway is really heading.

In this episode of Friday Fiduciary Five, Eric Dyson discusses the importance of ERISA fiduciary training for plan committee members and industry professionals. He announces the launch of a new training platform, which will offer SHRM professional development credits, CE for advisors with the fi 360 designation, and CFP certification. Eric emphasizes the need for regular, foundational fiduciary training, noting that those with the most responsibility and liability often have the least amount of training. He highlights the prevalence of ERISA training questions in litigation and encourages committee members and advisors to prioritize this education.Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast is general in nature and is provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor's Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan's hunger for knowledge which he shares with his clients and incorporates regularly into his practice. Jordan's family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age he was involved with his church's ministry which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-trust-and-transparency-in-retirement-planning

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor's Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan's hunger for knowledge which he shares with his clients and incorporates regularly into his practice. Jordan's family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age he was involved with his church's ministry which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-building-a-retirement-plan-you-can-depend-on

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor's Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan's hunger for knowledge which he shares with his clients and incorporates regularly into his practice. Jordan's family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age he was involved with his church's ministry which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-building-a-retirement-plan-you-can-depend-on

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor's Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan's hunger for knowledge which he shares with his clients and incorporates regularly into his practice. Jordan's family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age he was involved with his church's ministry which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-trust-and-transparency-in-retirement-planning

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor's Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan's hunger for knowledge, which he shares with his clients and incorporates regularly into his practice. Jordan's family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age, he was involved with his church's ministry, which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family, and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-the-transition-into-retirement

Jordan is a second-generation Fiduciary Retirement Advisor and has dedicated the last 15 years to educating his clients on how to build and protect the assets they have worked so hard to accumulate. His family has now been serving clients for over 45 years and has helped over 1,200 families across the nation, spanning from Hawaii to New York. His diverse base of clients entrust him with their financial well-being, and he proudly owns a record free of any consumer complaints. This is a direct result of the core values at GoldLine Financial. This expansive industry experience has allowed their team to provide sound advice to their clients during both bull and bear / recession markets.He earned his Bachelor's Degree in Finance at UC Riverside. Personal finance, market trends, investment strategy, and wealth preservation is what drives Jordan's hunger for knowledge, which he shares with his clients and incorporates regularly into his practice. Jordan's family has been a pioneer in the Christian-Catholic Ministries in Los Angeles for over 35 years. At a young age, he was involved with his church's ministry, which planted the seed for his leadership positions today.“As a Fiduciary Advisor, our clients trust us because we have a track record of putting their needs first at all times. My job is to foster a relationship of trust, both legally and ethically. Our expansive industry knowledge, experience during up and down markets, research, and world-class service is what forges our lifelong relationships with our clients. Our tenets of full transparency and a high level of communication are the pillars of trust that we build with our clients and the multitude of financial institutions we work with. Many of our clients have become like family, and we could not be more grateful for them.”Learn more: https://goldlinewealthmanagement.com/Advisory services provided through CoreCap Advisors, LLC. GoldLine Wealth Management and CoreCap Advisors are separate and unaffiliated entities. Securities trades are not accepted through email, voicemail, or fax. Please contact your representative at the number listed above to place any securities trades. This e-mail message and any attachments are solely for the confidential use of the intended recipient. If you are not the intended recipient, notify us immediately by return e-mail and promptly delete this message and any attachments from your computer.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-jordan-mangaliman-fiduciary-retirement-advisor-founder-of-goldline-wealth-management-discussing-the-transition-into-retirement

n this episode of Dollars & Sense, hosts Kristin Castello and Chet Cowart dive into the hottest topics shaping your retirement future, including the latest proposed changes to 401k investment options and critical updates to catch-up contributions for those aged 50 and above. If you're curious about how alternative investments like crypto and private equity might soon enter your 401k, or how upcoming tax regulations could affect high earners, this episode has the answers you need to stay ahead. Kristin and Chet break down three main topics: Alternative Investments in 401ks: The current administration's push to add new choices to your 401k sounds appealing, but comes with risks, fees, and potential complications. Learn how these changes could impact your account—and what history has taught us about “too good to be true” investments. Major Tax Changes for High Earners: Starting in 2026, those earning $145,000 or more must put catch-up contributions in Roth accounts, losing some valuable tax deductions. Find out who's affected, what loopholes exist, and how to plan ahead to avoid nasty surprises on your tax bill. Consolidating Retirement Accounts: Should you roll your old 401ks and IRAs together? Get practical advice on direct transfers vs. 60-day rollovers, when consolidation makes sense, and which exceptions to watch out for—plus real-world client stories to illustrate what could go right or wrong. With lively banter, relatable client examples, and clear calls to action, Kristin and Chet make complex financial changes easy to understand—and actionable. Whether you're nearing retirement, a high earner facing new rules, or just looking to simplify your finances, you'll come away with smarter strategies for protecting your nest egg. Ready to take control of your retirement? Click to listen, get expert insights, and discover how Dollars & Sense can help you make the most of every opportunity—no matter where you are in your financial journey. 

Buckle up for a fall journey down Your Retirement Highway with Kyle Jones and Matt Allgeyer of Fyra Capital Management! This episode takes you beyond the basics of building your nest egg and dives into the twists and turns of retirement planning that most people miss. Should you convert to a Roth IRA, or stick with your traditional route? How could a single financial move impact your taxes, retirement income, and even your Medicare premiums years down the road? The duo shares real client stories, Midwest money habits, and the honest, behind-the-scenes talk you just won't get from a generic seminar.Are you confident your retirement plan is steering you toward a smooth landing—or are you risking a tax pothole lurking over the horizon? Find out why timing could be everything, and how a market dip or that birthday milestone might create surprising opportunities. Listen in to learn what questions you should ask your advisor, why most people may be missing a huge conversion window, and whether over-saving is actually a smart move. Don't miss this chance to uncover the “Roth road trip” secrets that could help you drive your own retirement dreams forward!

Jennifer des Groseilliers is the CEO of The Mather Group, a fiduciary investment advisory firm with a comprehensive approach to financial planning. Jennifer joins guest host Mark Gatto, co-Founder and co-CEO of CION Investments, at Future Proof Festival for a conversation on how to foster a company culture of leadership.

Caring for a loved one with dementia presents unique challenges. Many caregivers feel overwhelmed, especially when it comes to finances. This episode offers crucial insights. We'll explore the vital role of a professional fiduciary. Moreover, we'll discuss how they can simplify complex financial decisions. A fiduciary acts as a trusted guide. They help manage assets and ensure your loved one's best interests are met. Consequently, this frees you to focus on providing care. We delve into defining what a professional fiduciary is. Furthermore, we highlight their numerous benefits throughout the caregiving journey. You'll learn how they can positively protect your family's finances. Additionally, we'll share strategies for creating a lasting legacy of love. This isn't just about money. It's about preserving dignity and peace of mind. Therefore, understanding these resources is essential. Ultimately, this episode empowers dementia caregivers. Discover how to navigate difficult finances with confidence. Tune in to gain invaluable support and build a secure future. Free Legacy of Love workbook Our Guest: Sara Ecklein, CLPF Sara Ecklein is a California Licensed Professional Fiduciary (CLPF #1166) and founder of Trust & Honor. Her journey into fiduciary work was inspired by personal experiences with loss and end-of-life care, leading her to support individuals and families during life's most vulnerable transitions. With over a decade of experience in the private fiduciary profession, Sara specializes in trust administration and special needs trusts, and regularly works with clients in the planning phase, named in successor roles. She also hosts The Legacy of Love podcast, where she offers a more holistic perspective on redefining the meaning of legacy. She lives in the San Francisco Bay Area with her husband and young daughter. ++++++++++++++++++++++++++++++++++++++++++ Related Episodes: Money & Financial Warnings Signs for Elderly What Every Trustee & Beneficiary Needs to Know ++++++++++++++++++++++++++++++++++++++++ Sign Up for more Advice & Wisdom - email newsletter. ++++++++++++++++++++++++++++++++++++++++ Make Your Brain Span Match Your LifeSpan Relevate from NeuroReserve With Relevate nutritional supplement, you get science-backed nutrition to help protect your brain power today and for years to come. You deserve a brain span that lasts as long as your lifespan. ++++++++++++++++++++++++++++++++++++++++ Please help us keep our show going by supporting our sponsors. Thank you. Stop 100% of Unwanted Calls with imp. Did you know people with Alzheimer's can receive nearly 200 spam calls a week? You can put a stop to those now. ++++++++++++++++++++++++++++++++++++++++ Join Fading Memories On Social Media! If you've enjoyed this episode, please share this podcast with other caregivers! You'll find us on social media at the following links. Instagram Twitter LinkedIn  Facebook Contact Jen at hello@fadingmemoriespodcast.com or Visit us at www.FadingMemoriesPodcast.com

In Part 2 of this Oyster Stew conversation, Ed Wegener continues the discussion with compliance experts Brent Nicks and Len Derus—this time focusing on the most pressing challenges firms face in applying Reg BI and fiduciary duty in practice: documentation, compensation conflicts, and rollover recommendations.What You'll Learn in Part 2Documentation Expectations: When to document recommendations—and when not to—including product complexity, costs, and client-specific factors.Supervisory Oversight: Why cookie-cutter rationales can create risk and how firms can monitor for consistency across reps.Compensation Conflicts: Practical strategies for mitigating compensation-driven incentives and leveling payouts to reduce bias.Rollover Recommendations under PTE 2020-02: How to document IRA rollovers, justify added costs, and align practices with both Reg BI and fiduciary standards.Technology vs. Forms: The pros and cons of manual versus technology-driven documentation processes—and how to strike the right balance.Training and Monitoring: How tailored training and compliance monitoring help ensure reps are following procedures and avoiding systemic risks.Oyster Consulting has the expertise, experience and licensed professionals you need, all under one roof. Follow us on LinkedIn to take advantage of our industry insights or subscribe to our monthly newsletter. Does your firm need help now? Contact us today!

In this engaging episode of Dollars & Sense with Joel Garris, listeners are taken on a journey through the fascinating world of old paper stock certificates and the essential steps to cashing in on these historical treasures. Did you know there could still be $780 billion in forgotten paper stocks out there? Joel explains how to uncover their value, navigate the process of redeeming them, and avoid leaving money on the table. The conversation then shifts to the dream of early retirement. Joel breaks down the real-life factors that determine whether you can retire sooner than expected—including maintaining good health, managing family financial obligations, boosting your savings rate, diversifying your income streams, and eliminating debt. Through client stories and practical advice, he reveals how small steps today can lead to a comfortable tomorrow. But that's not all—this episode also unpacks the rising risks in today's stock market. Joel highlights how market concentration in tech and AI, along with the dangers of groupthink, could threaten your portfolio. He stresses the importance of diversification and regularly reviewing your risk profile to avoid unexpected pitfalls. Ready to discover hidden wealth, take charge of your retirement, and protect your investments? Tune in to this episode of Dollars & Sense for insights you won't want to miss! 

5 Pillars of Investing (Good Times and Bad) and How To Pay 0% on Capital Gains Investing in today's world can feel complicated, but it doesn't have to be. Fiduciary financial advisor Wes Moss breaks down the "5 Pillars of Investing" for both good times and bad. Also, he shares a powerful strategy to potentially pay 0% on your long-term capital gains, based on new tax law changes. Mentioned on the show: The 4% rule is now the 4.7% rule. Here's why that matters. There's a ‘golden opportunity' to pay 0% capital gains under Trump's ‘big beautiful bill,' experts say Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 16, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:  BOOKS BY WES MOSS   Wes Moss, CFP®   Wes Moss - Clark.com Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

The Power of Dividend Growth Explained and Is the Midwest the Next Silicon Valley? Should we fall in love with dividends? Fiduciary financial advisor Wes Moss tackles the classic debate of stocks versus bonds with a deep dive into the power of dividends. Using data going back 45 years to 1980, Wes reveals how an investment in the S&P 500 would have dramatically outperformed bonds, with dividends growing by an incredible percentage. Also, Wes shares a fascinating look at the future of American manufacturing. He draws a comparison between the 1950s and today, highlighting the huge growth in productivity and innovation. Wes argues that the next big frontier for economic growth might not be in Silicon Valley, but in the heart of the Midwest, thanks to modern-day "George Jetsons" and a renewed focus on high-tech manufacturing. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the September 2, 2025, Ask an Advisor episode of the Clark Howard podcast.  Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

A retired couple's home renovation plans nearly triggered a massive, hidden cost that no one wants to pay: the Income-Related Monthly Adjustment Amount (IRMA). Fiduciary financial advisor Wes Moss breaks down how a simple plan to pay for a renovation could have led to thousands of dollars in extra Medicare premiums and what you can do to avoid a similar fate. Also, Wes dives into the world of AI and financial planning. He explains why AI is a powerful tool for analysis, but warns against using it as a fortune teller. Find out how you can use AI to your advantage while avoiding the dangerous pitfalls of letting it make your big financial decisions for you. Plus, Christa shares your #AskWes questions and Wes gives his take. All this and more on the August 26, 2025, Ask an Advisor episode of the Clark Howard podcast. Submit your questions at clark.com/ask. We hope you enjoy our weekly Ask An Advisor episodes, in which Christa and Wes discuss investing and retirement savings in depth. Let us know what you think in the comments! Learn more about Wes:   BOOKS BY WES MOSS   /   Wes Moss, CFP® Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices