Podcasts about Fiduciary

Welcome to a new episode of the Ditch the Suits podcast, today we are joined by Hannah Burchell, Senior Wealth Manager at S.E.E.D. Planning Group as we dive deep into the true meaning of financial planning. This conversation is going to take us far beyond spreadsheets and projections as we explore how money intersects with life's most important moments. You'll hear about, and probably relate to, the emotional side of making big financial decisions, as we share real stories, and reveal how a skilled advisor can help people find peace of mind, navigate stress, and make choices that align with their values. Whether you're facing a major life transition or simply want to understand how financial planning can support your happiness, this conversation offers practical wisdom and heartfelt insights for anyone seeking financial freedom. I'm Travis Maus, CEO of S.E.E.D. Planning Group. S.E.E.D. is a fee only wealth management firm, and this podcast is all about share professional knowledge with you so that you can get more out of your money and life.

Even a national group of financial advisors admits the term fiduciary is vague and, in their words, “means nothing.” Greg gives his opinion on the topic and what is more important when searching for retirement assistance. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

In this week's episode of Dollars & Sense with Joel Garris, Joel dives into two urgent questions facing American investors and retirees: How will the Corporate Transparency Act (CTA) affect your business, and are you prepared for the costly pitfalls of inherited IRA rules? First, Joel unpacks the latest developments in the Corporate Transparency Act, including an interview with Simon Conway. Listeners learn why recent rule changes and enforcement suspensions mean most U.S. companies are temporarily off the hook for beneficial ownership reporting—but why foreign entities and ongoing litigation could shift the landscape again soon. Joel and Simon highlight the burden on small businesses and the complex path to reversing these requirements. Next, Joel explores the growing crisis of Americans sacrificing retirement savings to support family members. He shares surprising statistics: While most are willing to cut back on their own lifestyles or work longer, only a small fraction are willing to reconsider family support. Joel offers practical strategies for setting boundaries, planning tax-efficient gifts, and balancing the needs of the “sandwich generation.” The episode's third segment tackles the new inherited IRA rules that could cost unwary beneficiaries thousands in penalties. Joel explains how missing required withdrawals can trigger a 25% penalty and push you into a higher tax bracket, plus the common mistakes people make and the tax-smart moves to avoid them. Key Takeaways: Stay updated on CTA regulations and know if your business is affected. Protect your retirement by setting clear boundaries on family financial support. Understand and plan for inherited IRA rules to avoid hefty penalties. Don't miss this engaging episode—click to listen and get expert insights on protecting your wealth, planning smarter, and avoiding costly mistakes! 

How does a lost key fob, a wolfpack group chat, and an emergency bucket tie into smart year-end retirement planning? Kyle and Matt kick off this special episode with a hilarious—and slightly embarrassing—tale that proves even financial advisors are human. But behind the laughter is a deeper message about life's unexpected moments and the importance of planning ahead, especially as another year wraps up.Stick around as your trusted hosts break down the real secrets to paying yourself first, the must-know details about Roth IRAs and conversions, and why those three magic “buckets” could change your financial future. Not sure if you're making the most of these strategies? Don't worry, they'll arm you with just enough insight to get your retirement highways pointing in the right direction—without giving it all away. Hit play, buckle up, and maybe keep a bucket nearby... you never know what you'll learn (or laugh about) this week!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.

Donovan's Background and the Birth of Ethos Benefits Michael introduces Donovan Ryckis, CEO and founder of Ethos Benefits, a firm redefining how healthcare consulting is done. Donovan shares his journey from working as a fiduciary securities advisor in the financial services industry to launching Ethos Benefits. His shift to healthcare began when he helped a client navigate a 37% increase in premiums without cutting benefits. That experience revealed deep flaws in the traditional healthcare model and inspired his mission to bring fiduciary accountability and transparency to employer-sponsored health plans. The Problem with Traditional Healthcare Brokers Around the eight-minute mark, Donovan explains how most healthcare brokers operate within a commission-based system that rewards them for selling specific insurance plans, not for finding what's best for their clients. He points out that many brokers rely on a one-size-fits-all model, favoring the interests of large carriers over those of employers and employees. This lack of fiduciary responsibility often results in organizations overpaying for healthcare, while employees shoulder higher costs with fewer benefits. How Ethos Benefits Does It Differently At thirteen minutes, the conversation turns to Ethos Benefits' unique approach. Donovan describes how his firm acts as a true fiduciary, aligning its interests directly with each client. Instead of pushing prepackaged plans, Ethos takes time to understand the specific needs and goals of each employer. They often create internal benefits committees to ensure that decision-making is collaborative and data-driven. Their goal is to help organizations control costs while maintaining, or even improving, the quality of care their teams receive. Practical Advice for Employers At the twenty-two-minute mark, Donovan shares practical steps for employers who want to regain control over their healthcare spend. He encourages companies to regularly review their plans and claims data rather than defaulting to automatic renewals. Employers should study premium trends, identify cost drivers, and be open to exploring nontraditional or independent solutions outside the major carriers. By adopting a more proactive and fiduciary-based mindset, businesses can achieve significant savings without sacrificing benefits or employee well-being. Closing Thoughts and Resources As the conversation wraps up, Donovan invites listeners to visit Ethos Benefits' website and watch the documentary “It's Not Personal, It's Just Health Care.” The film dives deeper into the systemic challenges within the healthcare industry and showcases how Ethos Benefits is helping employers bring transparency, accountability, and affordability back into employee health plans. Michael closes the episode by commending Donovan's leadership and mission to make healthcare work for people, not profits.   Donovan Ryckis, an accidental healthcare advocate, left the securities industry after saving a client 40% on healthcare costs. He now helps employers control healthcare costs by aligning interests, disclosing financial data, and removing conflicts of interest inherent in the brokerage insurance sales model. He believes that employers can control healthcare costs and aims to inform employers who cover 183 million Americans. http://linkedin.com/in/donovanryckis Website:  https://ethosbenefits.com/ Documentary:  https://ethosbenefits.com/documentary/    

Episode Summary Donovan Ryckis is the award-winning founder and CEO of Ethos Benefits, a firm dedicated to advancing fiduciary-driven health insurance strategies for employers nationwide. A former Securities Advisor and Fiduciary, Donovan decided to shift from his Registered Investment Advisory after seeing the Fraud, Waste, and Abuse in his first, accidental exposure to employer-sponsored healthcare plans. Who's your ideal client and what's the biggest challenge they face? What are the common mistakes people make when trying to solve that problem? What is one valuable free action that our audience can implement that will help with that issue? What is one valuable free resource that you can direct people to that will help with that issue? What's the one question I should have asked you that would be of great value to our audience? When was the last time you experienced Goosebumps with your family and why? Watch the documentary here: https://ethosbenefits.com/documentary/ Get in touch with Donovan: Website, LinkedIn Stakeholder Confidence Focus Turn board skepticism into enthusiastic alignment with the KAIROS assessment system. Book your 30-minute KAIROS Strategic Assessment (€147) and receive frameworks that build unwavering stakeholder trust in your strategic timing. Only 5 spots are available this week. https://www.uwedockhorn.com/research

In this powerful conversation, host Christopher Hensley, RICP®, CES® sits down once again with George Kinder—internationally recognized as the father of life planning and the visionary behind the global Fiduciary in All Things (FIAT) movement. Together, they explore what it would mean for our institutions, our democracy, and our financial systems to finally act in the best interest of the people they serve. Kinder explains how a fiduciary society—rooted in truth, people, democracy, and the planet—could dissolve many of the challenges we face today while preserving the entrepreneurial energy, innovation, and competitiveness that have fueled economic growth. From redefining the role of leadership to examining how polarization and mistrust have fractured civic life, this episode offers an inspiring blueprint for a more ethical and human-centered future. You'll learn: Why fiduciary principles shouldn't stop at financial advice, but extend to government, media, business, and technology How FIAT could reshape democracy so leaders work for the people, not their own agendas The importance of mindfulness and deep listening in building trustworthy institutions Kinder's vision for a world where business leaders become true heroes and models for future generations How AI, truth, and governance intersect—and why ethical guardrails matter now more than ever What a civilization "of the people, by the people, and for the people" looks like when fiduciary values guide decision-making Whether you're a financial professional, a policymaker, a parent, or simply someone looking for a more trustworthy world, this conversation will challenge and inspire you to imagine what a fully fiduciary society could achieve.

In Episode #36 of NAPFA Nation, host Marie Swift speaks with NAPFA CEO Kathryn Dattomo to unpack the association's new strategic framework for 2026 and what it means for fee-only fiduciary advisors. Dattomo shares how the framework grew out of a full year of listening sessions, surveys, and focus groups with NAPFA members and volunteer leaders, ultimately coalescing into three core pillars that are designed to be practical, member-driven, and tightly aligned with NAPFA's mission. The conversation explores how NAPFA plans to elevate the fiduciary standard by clarifying what fiduciary conduct looks like within the association, strengthening its advocacy voice around consumer protection, and helping advisors better communicate the value of fee-only advice to the public. Dattomo also explains how NAPFA will ignite connections through a redesigned website, a more robust member engagement hub, and an enhanced 'Find an Advisor' tool that makes it easier for consumers to locate fiduciary planners and understand why the fee-only model matters. Rounding out the framework, she highlights NAPFA's commitment to deepening professional education with more advanced, technical, and expert-driven content, expanded learning pathways from early career to advanced practice, and new online and on-demand opportunities rolling out as early as the first quarter of the new year. As the year-end episode, Marie Swift closes the episode by noting that NAPFA Nation will go on sabbatical following this release, thanking listeners for their support, and encouraging advisors to watch for upcoming announcements as NAPFA brings its new strategic vision to life in 2026. In a nutshell:  NAPFA's new strategic framework for 2026 was shaped by a year-long process of member surveys, focus groups, and board and volunteer input to ensure it is practical and member-driven.    The plan is organized into three pillars: elevating the fiduciary standard, igniting connections through community and engagement, and deepening professional education and learning.  Elevating the fiduciary standard focuses on clarifying what fiduciary conduct means for NAPFA members, strengthening advocacy around consumer protection, and helping advisors clearly communicate the value of fee-only fiduciary advice. Igniting connections centers on enhancing the member experience through a redesigned website, a more robust member engagement hub, and an improved Find an Advisor tool that makes it easier for consumers to find and understand fee-only fiduciary planners.   Deepening professional education emphasizes more advanced and technical programming, expert-driven content, new formats and tracks at conferences, and expanded online and on-demand learning opportunities beginning as early as the first quarter of 2026. Special Note: In 2023, we rebranded the NAPFA podcast with a new album cover and series title: NAPFA Nation. We are shifting our monthly episodes to bring you inspiring conversations and key insights from leaders in the Fee-Only financial planning profession. Marie Swift, Founder and CEO of Impact Communications, will continue on as host, interviewing a variety of NAPFA members and professionals. You will still be able to find on this channel the 32 Mindset Mastery episodes with respected fiduciary financial planners and allied advocates who are committed to accomplishing great things as they master their own mindset and continue to serve their clients in the best ways possible. Brought to you by NAPFA - the National Association of Personal Financial Advisors - the country's leading professional association of Fee-Only financial advisors. Learn more about NAPFA at www.NAPFA.org.

We also debate the pros and cons of traditional retirement planning versus active real estate investing. Is the "4% Rule" a path to freedom or just a way to ration your life away? Jake and Gino share their unique approach to multifamily investing, profit per unit (PPU), and why managing debt is the key to surviving market downturns.Key Takeaways:✅ Fiduciary vs. Non-Fiduciary: Why most advisors are like "Supercuts" employees pushing their own products, and how to find an independent fiduciary who works for you.✅ The Problem with Traditional Retirement: Why the "4% Rule" feels like rationing your life and how active investing can offer more control.✅ Multifamily Metrics: Jake and Gino explain their "Profit Per Unit" (PPU) metric and why cash flow is king over net worth.✅ Debt Management: The critical importance of understanding debt terms in commercial real estate to avoid foreclosure during market shifts.✅ The "Retire.us" Solution: How Michael is democratizing access to premium financial planning without high asset minimums.Let's Connect!Question of the Day: Do you trust your financial advisor to act as a fiduciary, or are you managing your own investments? Let us know in the comments below!

Discover How to Manage IRMAA, Avoid 401(k) Mistakes, and Make Your Giving Go Further! Unlock the secrets to smarter financial planning in this week's episode of Dollars & Sense with Joel Garris! Joel breaks down three hot topics that can impact your wealth and peace of mind: IRMAA & Medicare Premiums: Confused about why your Social Security check is smaller? Learn what IRMAA is, how it affects your Medicare costs, and practical steps to challenge higher premiums if your income has changed. Philanthropy—More Than Just Generosity: Discover why charitable giving is a powerful tool for tax savings, strengthening family bonds, and building a lasting legacy. Get actionable strategies to weave philanthropy into your financial plan and avoid common mistakes advisors make. 401(k) Rollovers Without Regrets: Considering a job change or retirement? Joel reveals the three most common (and costly) rollover mistakes—from missing deadlines to losing out on tax breaks—and how you can avoid them. Packed with easy-to-follow tips, eye-opening stats, and essential action steps, this episode is a must-listen for anyone planning for retirement, thinking about their legacy, or wanting to make smarter money decisions for themselves and their family. 

Here is a clean, professional **one-sentence summary** of the entire discussion: This week's PSG Wealth Radio Discussion features fiduciary specialist Grant Clinton CA(SA) explaining the current challenges at South Africa's Master's Offices, SARS's growing involvement in estate tax and audits, the importance of keeping wills updated and documents organised, the risks of dying intestate—especially for minors whose inheritances go to the Guardian's Fund—and why expert guidance is essential to avoid costly mistakes, with PSG offering free will-drafting when appointed as executor. Radio Life & Style on Facebook · The Morning Show Sponsor: Excellerate Security

On this episode of Your Retirement Highway, Matthew Allgeyer and Kyle Jones kick things off with a relatable holiday confession—sometimes, even the best financial plans can get derailed by irresistible stuffing and family feasts. But that's just the beginning! As the conversation shifts gears, our hosts tackle one of the hottest topics on every retiree's mind: how to keep your hard-earned money safe when the market starts acting up.Curious about alternatives to bank CDs and worried about roller-coaster interest rates? Matthew and Kyle pull back the curtain on multi-year guarantee annuities (MYGAs), debunking myths and sharing strategies that could give your portfolio a little extra insulation when uncertainty hits. Whether you're approaching retirement or just want to stash some cash away from Wall Street's wild ride, tune in to find out why a well-timed detour could be the smartest move you make all year.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.

On this episode of Dollars & Sense with Joel Garris, get ready for a power-packed financial guide as Joel unpacks the must-do year-end financial checklist, reveals the surprising habits of the “millionaire next door,” and exposes the pitfalls of incomplete estate plans. Joel kicks off with a timely reminder: as the holiday season races by, you have just weeks to make smart financial moves before the new year. He walks you through seven crucial year-end tasks, including maximizing retirement contributions, using up your FSA, making charitable donations, and reviewing your health benefits—each step designed to help you avoid costly mistakes and make the most of your money. Next, the show dives into one of the biggest gaps in personal finance: estate planning. Joel shares stories from his practice, highlighting how most estate plans are never fully implemented—leaving families vulnerable. He explains why simply signing documents isn't enough, and outlines easy-to-follow steps (like titling assets correctly and regular reviews) so your legacy plan actually works for your loved ones. But that's not all! Joel also explores the “stealthy wealthy”—those quiet millionaires who build real, lasting wealth by shunning status symbols, driving practical cars, maximizing tax efficiency, budgeting diligently, and keeping their finances private. Want to know what they do differently? Joel breaks down the seven key habits that set them apart, with actionable tips you can use right now. Whether you're looking to finish the year strong, set up your family for success, or adopt the habits of the quietly wealthy, this episode delivers practical insights and real-life inspiration. Click to listen and learn how to avoid the traps, make smarter money moves, and secure your financial future! 

Chris Markowski discusses the complexities and challenges of the financial world, particularly focusing on Wall Street, corporations, and the role of private equity. He emphasizes the importance of understanding the motivations behind financial entities and the inherent conflicts of interest that arise when profit motives overshadow fiduciary duties. McFadden critiques the regulatory environment and the evolution of corporate accountability, warning against the dangers posed by modern financial practices and the need for personal responsibility among consumers.

Buckle up for a lively ride down “Your Retirement Highway” as financial advisors Kyle Jones and Matt Allgeyer blend wit, wisdom, and a dash of local flavor! This episode isn't just about stocks, bonds, and market swings—it's about the one investment you can't buy more of: your time. From apple butter toast debates to stories of travel and missed baseball games, Kyle and Matt invite you to consider what your nest egg is really for, and challenge you to ask questions most retirees never think to ask.Ever wonder if your portfolio could weather another 2008? Or how to stop money worries from hijacking your golden years? Kyle and Matt dish out candid insights on risk, the hidden trade-off between returns and peace of mind, and the freedom (and urgency!) to use your wealth before Father Time catches up. Don't miss the conversation that might just change how you experience retirement—for good. Ready to hit the road?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.

Evan shares an ad from a company that features a concerned investor trying to determine if they need a fiduciary for their investments. Paul and Evan break the illusion by sharing just how easy it is for the industry to lure people in with the term fiduciary and then hide behind loopholes and confusing disclosures. Fiduciary is supposed to mean someone who acts in your best interest, but the standard is not high enough.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.

Choosing the right financial advisor can make or break your long term financial future. I sat down with Brian Bachelier of Hawthorne Capital to talk about the decisions that create real financial security, the red flags people miss, and the qualities every great advisor should have.Brian's background is unique, Chicago Board of Trade, hedge fund management, equity trading, strategy development, and now a Certified Financial Planner and Certified Market Technician. His approach is built on clarity, transparency, and always acting in the client's best interest.What this episode covers:How Brian developed his expertiseWhat most people misunderstand about advisorsFiduciary vs. suitability explainedHow to know if your advisor is doing right by youThe role of AI in financial planningKey financial decisions business owners must considerTune in and take control of your financial future with the right information.Connect with Brianhttps://www.linkedin.com/in/brianbachelier/https://www.facebook.com/people/Brian-Bachelier-CFP-CMT-Hawthorne-Capital-Wealth-Advisors/61583141036272/https://www.youtube.com/@BrianBachelierhttps://x.com/bbachelierConnect with Builders of AuthorityWebsite: https://buildauthority.comFREE Facebook Group: https://www.facebook.com/groups/7685392924809322BOA Mastermind: https://buildauthority.co/order-form-mastermindGoHighLevel Extended 30-day Free Trial w/TONS of Personal Branding Bonuses: http://gohighlevel.com/adammcchesney

Richard Clarke is the chief insurance officer at Colonial Surety. With more than three decades of experience, he leads insurance strategy and operations for the expansion of Colonial Surety's SMB-focused product suite, building out the online platform into a one-stop shop for America's SMBs.In this episode, Eric and Richard “Dick” Clarke discuss:Understanding ERISA safeguardsDistinguishing required and optional coverageReviewing and strengthening insurance layersCollaborating and acting proactivelyKey Takeaways:ERISA governs all employee benefit plans and requires fidelity bonds for protection. Coverage must equal ten percent of plan assets with specific federal limits in place. Knowing these basics sets the foundation for every other insurance decision.With the baseline set, organizations must separate required bonds from optional insurance. Fiduciary liability coverage protects decision makers from personal responsibility. Understanding both layers prevents blind spots in compliance and leadership risk.Once the insurance types are clear, each policy must be examined for sufficiency. Adequate limits, full inclusion of parties, and clear cyber provisions are essential. This careful review ensures protection keeps pace with evolving responsibilities.These evaluations work best when risk teams, counsel, and providers move together. Shared tools and coordinated reviews uncover gaps that one group might miss. Since no single formula applies, proactive teamwork becomes the safest path forward.“The specific answer to the question on the fidelity is that it is absolutely required. You have to have it. The brutal truth is, if you don't have it as an employer, you are in technical violation of federal law, because ERISA is a federal law.” - Richard ClarkeConnect with Richard Clarke:Website: https://www.colonialsurety.com/ LinkedIn: https://www.linkedin.com/in/dick-clarke-cpcu-cic-rplu-605b13a/ 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 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 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.

Curious about the latest retirement updates and how to safeguard your finances in a digital world? In this engaging Thanksgiving episode of Dollars & Sense, hosts Joel Garris and Chet Cowart kick off with holiday traditions and a brief history of Thanksgiving, then dive into timely financial topics that matter to every listener. The episode covers newly announced 2026 contribution limits for 401ks and IRAs, including special catch-up options for those nearing retirement age. Joel and Chet break down the key differences between traditional and Roth IRAs, sharing actionable advice for making the most of your retirement savings—whether you're just starting out or preparing for your golden years. Listeners also get a wake-up call about the billions lost in forgotten 401k accounts and learn practical strategies to track, consolidate, and grow their retirement funds. Plus, the show highlights the growing threat of AI-powered scams, revealing how deepfake technology is being used to impersonate financial icons like Warren Buffett. You'll get essential tips to spot scam messages and protect your money from digital fraudsters. The hosts wrap up with a step-by-step guide to optimizing your savings—from building an emergency fund to leveraging HSAs and brokerage accounts. Whether you're planning your first investment or revisiting your retirement strategy, this episode is packed with expert insights to help you secure your financial future. 

In this Oyster Stew episode our experts unpack what regulators expect and how firms can build strong processes around Reg Bi and account type recommendations recommendations.·       What Makes an Account Recommendation “Best Interest”? ·       Balancing Cost and Services. ·       Special Considerations in Practice Transitions. ·       Avoiding Double Dipping. ·       Documentation: Showing Your Work. 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 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/

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.

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

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.

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

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