Podcasts about Fiduciary

The most common myth about financial advisors? That they're required to work in your best interest. In this episode, fiduciary advisor Jason Pereira helps us break down the difference between a financial advisor and a fiduciary advisor. You'll learn what financial planning looks like beyond investing, the risks of relying on AI for financial advice, and how he's fighting for more transparency and accountability in the industry. Topics discussed: Introduction (00:00) Jason's early interest in finance (01:42) How his view of entrepreneurship changed (04:13) The truth about financial advisors and fiduciary duty (05:07) What most people misunderstand about financial planning (10:24) Why pricing models shouldn't be one-size-fits-all (11:42) The positive and negative impact of AI on the industry (15:16) Why advisors should embrace digital intimacy (20:29) Work boundaries that protect your family life (22:56) What brought you JOY today? (25:41) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Jason Pereira: X (Twitter): https://x.com/jasonpereira/ LinkedIn: https://www.linkedin.com/in/pereirajm/ Facebook: https://www.facebook.com/jason.pereira/ Instagram: https://www.kidsfirst.org/nl/ TikTok: http://tiktok.com/@jason.m.pereira Bluesky: https://bsky.app/profile/jasonpereira.bsky.social Threads: https://www.threads.com/@jasonmpereira Website: https://jasonpereira.ca/ Woodgate Financial: https://www.woodgate.com/ About Our Guest: Jason Pereira MBA CFA CFP (Can & US) RFP TEP FP Canada Fellow is a well-known and accomplished financial planner and industry advocate. He is also recognized as one of the leading financial advisor industry thought leaders and speakers on various financial advisor technology-related topics, including digital transformation and practice management, digital engagement, and artificial intelligence. He serves as an advisor to several Advisor Technology startups, consults on issues surrounding digital transformation, and is the host of the Fintech Impact Podcast, where he has interviewed over 400 fintech founders, executives, and thought leaders in the space. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

Kick off 2026 with Joel Garris on Dollars & Sense as he dives into two critical topics: the latest market trends and practical financial resolutions. This episode opens with a fearless forecast for the year ahead, including a candid review of last year's predictions—where Joel nailed the impact of deregulation and tax reform but underestimated the power of AI and the surprising market surge. Hear why 2025 was a transformative year, and what lessons shape the new forecast for the Dow in 2026. What's next for investors? Joel reveals the driving forces behind this year's markets: AI-fueled earnings growth, the effects of recent tax legislation, and why diversification could be the key to outperforming concentrated indexes. He also breaks down the risks—market overvaluation, inflation, and labor concerns—while explaining how a “pause year” might reset expectations. Ready to make your financial resolutions stick? Drawing from behavioral finance and insights from The Wall Street Journal, Joel shares actionable strategies for setting—and keeping—money goals that align with your values. Find out how automatic savings, clear targets, and monthly check-ins can transform your financial discipline and set you up for success. If you want to know whether your portfolio is poised for growth or if your resolutions will finally last past February, this episode is packed with expert analysis and practical tips. Listen now for a blend of market insights and personal finance wisdom that could make 2026 your best financial year yet! 

Chris Markowski, known as the Watchdog on Wall Street, discusses the realities of the financial world, emphasizing the conflicts of interest inherent in publicly traded investment firms and the impact of private equity on financial advisory services. He critiques the regulatory environment and the evolution of corporate accountability, drawing parallels between historical corporate raiders and modern financial practices. Markowski advocates for consumer awareness and personal responsibility in investing, warning against the dangers of greed and the illusion of financial security.

How This Year's Biggest Events and Behavioral Insights Can Transform Your Financial Future 2025 has been a year packed with transformative moments—political shifts, market turbulence, technological leaps, and viral media headlines. In this episode of Dollars & Sense, Joel Garris guides you through the essential financial lessons we can draw from the past twelve months, exploring how these events influence your money decisions. Can the rise of artificial intelligence and robo-advisors truly replace the wisdom and empathy of a seasoned financial advisor? Joel weighs the promise of AI's efficiency and data prowess against its limitations—highlighting why human guidance remains vital when markets swing, life gets complicated, and emotions run high. The episode features Warren Buffett's timeless warnings about investor behavior, with practical tips for sidestepping biases like loss aversion, herd mentality, and overconsumption. Joel offers real-world strategies to help you avoid costly mistakes and follow a disciplined path, no matter what headline dominates the news cycle. From tariffs and market shocks to breakthroughs in energy and viral pop culture moments, every headline of 2025 brought a new lesson for your financial playbook. If you're ready to understand what these stories mean for your investments—and how to make smarter decisions in the year ahead—this episode delivers valuable insights with Joel's trademark warmth and wit. Curious how these lessons apply to your financial journey? Click to listen and turn 2025's headlines into your smartest year yet! 

Ever wonder if there's more to wealth than flashy cars and mansions? In this episode, Matt Allgeyer and Kyle Jones lift the curtain on the real habits of America's quietly successful retirees—the ones you'd never guess have seven digits in the bank. From wig-filled office holiday parties to stories that redefine what “living in paradise” can mean, you're in for a ride that's equal parts entertaining and enlightening. The guys share a roadmap that's not about living in the headlines, but about living well—and on your terms.Curious how the truly wealthy stay under the radar while their bank accounts grow? Ready to find out why the most valuable thing you can buy isn't a Porsche, but time itself? This episode isn't another lecture on penny-pinching or investment jargon. It's packed with surprising stories, insider strategies, and the little habits that just might change the way you think about your own retirement journey. Fasten your seatbelt and tune in—you never know what twist is around the corner on Your Retirement Highway!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.

Understanding Fiduciary Duties in Modern Trust LawThis conversation delves into the intricate world of trusts and estates, focusing on the fiduciary duties that trustees must uphold, the evolution of the prudent investor rule, and the remedies available for breaches of trust. It emphasizes the importance of process over outcomes, the mandatory duty of loyalty, and the necessity for transparency in trust management. The discussion also highlights the complexities of commingled funds and the modern view of trusts as contracts, providing valuable insights for law students preparing for exams.In the realm of trusts and estates, fiduciary duties stand as the cornerstone of legal responsibility. These duties, often perceived as relics of a bygone era, are in fact dynamic principles that govern the modern landscape of trust law. At the heart of this discussion is the transformation from the traditional prudent man rule to the contemporary prudent investor rule, a shift that underscores the importance of portfolio diversification and risk management.The Evolution of Trust LawHistorically, trust law was rigid, focusing on the preservation of capital through conservative investments. However, the advent of modern portfolio theory in the 1970s revolutionized this approach. Legal scholars Langbein and Posner championed the idea that diversification is the only "free lunch" in finance, advocating for a holistic view of trust portfolios. This perspective laid the groundwork for the Uniform Prudent Investor Act (UPIA), which empowers trustees to embrace modern financial principles while maintaining a disciplined investment process.Core Fiduciary Duties: Loyalty and PrudenceThe duty of loyalty remains an unyielding firewall against conflicts of interest. Trustees must act solely in the interest of beneficiaries, avoiding any self-dealing or personal gain. Meanwhile, the duty of prudence demands active management and documentation of investment decisions, ensuring that trustees adhere to a rigorous standard of care.Remedies for Breach of DutyWhen fiduciary duties are breached, the law provides a robust framework for remedies. From surcharges that hold trustees personally liable for losses, to equitable remedies like constructive trusts, the goal is to restore the trust to its rightful state. These remedies not only compensate beneficiaries but also serve as a deterrent against future misconduct.The Future of Trust LawAs trust law continues to evolve, the tension between settlor autonomy and mandatory fiduciary duties will shape its future. The flexibility offered by the Uniform Trust Code (UTC) allows for sophisticated estate planning, yet it also raises questions about the balance between administrative power and fiduciary obligation. This ongoing dialogue will undoubtedly influence the development of trust law in the years to come.Subscribe now to stay informed about the latest developments in trust law and fiduciary duties.TakeawaysTrustees are judged by process, not just outcomes.The modern trust is a contractarian instrument.Fiduciary duties are default norms to protect beneficiaries.The prudent investor rule shifts focus from individual assets to overall portfolio.Diversification is a mandatory duty for trustees.Self-dealing transactions are voidable regardless of fairness.Trustees must provide regular accountings to beneficiaries.Delegation of duties is allowed but with strict rules.Remedies aim for restoration, not just compensation.Understanding the contract nature of trusts enhances legal analysis.trusts, estates, fiduciary duties, prudent investor rule, duty of loyalty, remedies, trust law, legal analysis, estate planning, law school

Discover budget-friendly holiday tips and creative gift ideas on Dollars & Sense In this festive episode of Dollars & Sense, hosts Zach Keister and Rob Field dive into the emotional and financial realities of holiday spending. The show kicks off with lighthearted banter about holiday traditions and a playful debate over whether “Die Hard” counts as a Christmas movie, setting the stage for practical advice on surviving the season without overspending. Zach and Rob tackle two major topics: how to avoid blowing your holiday budget and how to give gifts that go beyond the usual — like helping loved ones start a 529 college savings plan or a UTMA custodial account. Listeners learn why emotions drive us to spend more, how “buy now, pay later” services can be a financial trap, and actionable ways to keep spending in check, from making gift lists to crafting homemade presents. The episode also introduces “No Spend January,” a challenge to help listeners recover from December's splurges by spending only on essentials for an entire month. With tips for planning ahead, breaking financial habits, and turning savings into fun, Zach and Rob show how the choices you make now can set the tone for the year ahead. Thinking about ways to be generous without getting tied up in financial knots? Wondering how to make your money work for you and your family? Tune in for expert insights, relatable stories, and a few laughs as Dollars & Sense makes budgeting and financial planning approachable—and even a little fun. 

Pour yourself an extra cup of coffee and join Kyle R. Jones and Matthew P. Allgeyer for a holiday-inspired ride down Your Retirement Highway! This episode unwraps more than just the stress of last-minute gift shopping—you'll hear some surprising takes on giving, family traditions, and why the true value of the season has nothing to do with the size of your candy bar. Of course, there's plenty of good-natured banter about Christmas movies, shrinkflation, and the joys (and mysteries) of parenting in an inflationary world.But don't think it's all about nostalgia! The guys deliver hard-hitting, real-world advice on inflation's impact on your retirement—why prices won't ever quite go back, and what you can do to fight back. There's a must-hear segment on income sources, tax-smart moves, and the importance of planning for a longer life. Whether you're worried about the size of your pension, the future of your 401(k), or just want to feel a little more holiday cheer, this episode is for you. Tune in and get your heart—and your retirement plan—growing three sizes this season!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.

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.

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. 

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

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! 

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.  

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