Podcasts about Financial services

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Dean Graziosi is a multiple-time NYT bestselling author, entrepreneur, investor, and sought-after speaker and consultant, presenting to audiences of over 200,000 at conferences and live events. Top 3 Value Bombs 1. The world is shifting. Who you are matters more than how you do things. 2. Explore a digital product alongside your traditional business. 3. Anticipate and prepare rather than just react. Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Thrivetime Show - Make 2026 your best year yet! Start your transformation by attending the world's highest rated business growth workshop taught personally by Clay Clark, featuring Football Star and Entrepreneur, Tim Tebow, and President Trump's Son, Eric Trump, at ThrivetimeShow.com/eofire! QuickBooks Bill Pay - Helps you keep your business growing, while you stay in your zone of genius. Learn more at QuickBooks.com/billpay. Terms apply. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

If you're the only advisor in your firm who can close deals, you don't own a business, you own a job.And I see this happen all the time. Advisors think growth comes from more appointments and closing more deals. So they grind harder. They sell more. Their calendar is always full. But the moment they step away, revenue slows down. That's not scale. That's dependency.I break down the real shift you have to make: stop selling products and start selling a proprietary process. Because products can be shopped, a process can't. And if you stay in the product game, you're just another commodity.If you want revenue that doesn't go on vacation when you do, this is where the shift begins.3 of the biggest insights from Brad Johnson…#1.) Products Can Be Shopped. A Process Cannot.If you're selling annuities, asset management, or life insurance, you're in a comparison game. When you package and own a proprietary process, you step out of commoditization and into differentiation.#2 .)Sales Is a Transfer of BeliefThe best advisors aren't pitching spreadsheets. They're transferring belief in why they exist, how they serve, and why it matters. If you don't believe it deeply, your prospects won't either.#3. )You Can't Scale What You Can't TransferIf your process lives in your head and depends on your personality, you don't have a business, you have a bottleneck. A duplicatable, trainable sales process is what makes a firm scalable and ultimately sellable.Triad Sales LabStill the only one closing deals in your firm? We'll help you build a sales system that doesn't rely on you. Apply here: https://bradleyjohnson.com/160-triad-sales-lab/SHOW NOTEShttps://bradleyjohnson.com/160FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This month, Jamie Hopkins' new book, “Your Retirement Sketchbook,” co-written by Bonnie Treichel, hits bookstores, and a lot of advisors know Hopkins as a retirement planning expert. Less known is his own personal story, which includes the passing of his father in a job-site accident when he was 8 years old. “This has impacted so many things in my life—my desire to be a dad, a sense I would die early, a fear of heights and a scarcity mindset for years around money,” he writes in the book. In this episode of The Healthy Advisor, host Diana Britton chats with Jamie Hopkins, CEO of Bryn Mawr Trust and co-author of “Your Retirement Sketchbook,” about those fears and how childhood loss shaped his approach to retirement planning and life. He also explains the importance of financial advice access for underserved workers, the career decision that helped him be more present with his children, and why protecting health and relationships should matter as much as building wealth. Jamie discusses: The childhood tragedy that shaped his perspective on money, planning and family priorities Why many workers in trades and small businesses lack access to retirement guidance and financial advice How one comment from his son reshaped his approach to work and travel How scarcity around money can influence lifelong habits and emotional relationships with finances How Jamie invests in his own health Resources: Listen to The Healthy Advisor on Wealth Management Subscribe and listen to The Healthy Advisor on Apple Podcasts Subscribe and listen to The Healthy Advisor on Spotify Book: Your Retirement Sketchbook by Jamie Hopkins and Bonnie Treichel Connect With Jamie Hopkins: LinkedIn: Jamie Hopkins Website: Bryn Mawr Trust jhopkins@bmt.com  Connect with Wealth Management: Wealth Management LinkedIn: Diana Britton diana.britton@informa.com LinkedIn: Informa LinkedIn: Wealth Management About Our Guest: Jamie P. Hopkins is CEO of Bryn Mawr Trust Advisors and CWO of WSFS. A Wall Street Journal best-selling author, educator, and executive speaker, Jamie has previously served on numerous advisory boards around the financial services industry, such as Wing.app, Wealth.com, C2P, IncomeLab, and was a national trustee member of NAIFA. He currently sits on the advisory board of Focal, an AI startup. Jamie is also the founder and president of the 501(c)(3) non-profit, FinServ Foundation, and was recognized as the 2021 RIA Thought Leader of the Year by WealthManagement.com and Top 10 Investopedia 100 Top Financial Advisor for 2023. Jamie has also taught financial planning courses and created course content at Creighton University and American College of Financial Services since 2012.

William Hockey is the co-founder of Plaid and the founder and CEO of Column, a software company that owns a bank and powers Ramp, Wise, Bilt, Mercury, and others. He funded Column by borrowing against his Plaid shares and has never raised outside capital.  William talks about what owning 100% of his company allows him to do that other venture-backed founder cannot and the personal risk he took to do so. He shares how Silicon Valley's consensus culture produces consensus founders, and why becoming a founder has become too safe. He believes the best builders are specialists and explains with unusual clarity what it takes to become the best in the world at one specific thing. William also spends a lot of time in emerging markets which has given him a unique perspective of the power of the US dollar. For the full show notes, transcript, and links to mentioned content, check out the episode page ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠.  ----- Become a Colossus member to get our quarterly print magazine and private audio experience, including exclusive profiles and early access to select episodes. Subscribe at ⁠colossus.com/subscribe⁠. ----- ⁠Ramp's⁠ mission is to help companies manage their spend in a way that reduces expenses and frees up time for teams to work on more valuable projects. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠ramp.com/invest⁠⁠ to sign up for free and get a $250 welcome bonus. ----- Trusted by thousands of businesses, ⁠Vanta⁠ continuously monitors your security posture and streamlines audits so you can win enterprise deals and build customer trust without the traditional overhead. Visit ⁠vanta.com/invest⁠.  ----- ⁠WorkOS⁠ is a developer platform that enables SaaS companies to quickly add enterprise features to their applications. Visit⁠⁠ ⁠WorkOS.com⁠⁠⁠ to transform your application into an enterprise-ready solution in minutes, not months. ----- ⁠Rogo⁠ is an AI-powered platform that automates accounts payable workflows, enabling finance teams to process invoices faster and with greater accuracy. Learn more at ⁠Rogo.ai/invest⁠. ----- ⁠Ridgeline⁠ has built a complete, real-time, modern operating system for investment managers. It handles trading, portfolio management, compliance, customer reporting, and much more through an all-in-one real-time cloud platform. Visit⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ridgeline.ai⁠. ----- Editing and post-production work for this episode was provided by The Podcast Consultant (⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thepodcastconsultant.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠). Timestamps: (00:00:00) Welcome to Invest Like the Best (00:02:43) Intro: William Hockey (00:03:49) Column: A Software Company That Owns a Bank (00:06:46) Finding Ideas in Emerging Markets (00:11:58) Why Constrained Societies Are More Innovative (00:16:02) What's Wrong With Silicon Valley (00:19:28) Building a Business Without Raising Money (00:22:48) What Venture-Backed Companies Can't Do (00:28:39) Getting Margin Called (00:31:41) Starting Companies Has Become Too Safe (00:34:23) Why Employees Take More Risks Than Founders (00:37:09) A Maniacal Commitment to Research (00:39:09) Finding Boring Problems to Solve (00:41:45) Why Building a Second Company is Easier (00:42:36) Missionary vs. Mercenary (00:45:49) Funding a Company with Cash Flows (00:50:04) Perspective on the Venture Ecosystem (00:52:48) The Dominance of the US Dollar (00:58:37) The Future of Financial Services (01:02:06) Why Big, Inefficient Brands Win From AI (01:06:29) The Opportunity for Non-Consensus Founders (01:08:03) The Kindest Thing

Join us for a special Women's Month episode exploring the evolving landscape of artificial intelligence with three distinguished leaders from Accenture: Keri Smith, AI & Data Lead for Financial Services; Teresa Tung, Global Advanced Data Lead; and Alice Chen, Senior Manager in the Center for Advanced AI. Together, they discuss what it takes to scale AI beyond the pilot phase, unpack the rise of "vibe coding" and agentic AI, and share why diverse perspectives are critical to building technology that truly serves all end users.

Michael Browne is the celebrated co-founder of Kosta Browne, creator of CIRQ and CHEV wines, renowned for connecting people through exceptional winemaking rooted in craftsmanship, innovation, and personal passion. Top 3 Value Bombs 1. There is no such thing as overnight success. Mastery is built through years of hard work, failure, and persistence. 2. Craftsmanship comes from learning by doing, making mistakes, and committing to constant improvement. 3. Strong businesses are built on concept, people, and capital; neglect one and the whole structure suffers. Visit the website to know more about Chev wines - Chev Wines Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Quo - The #1-rated business phone system on G2 with over 3,000 reviews! Try QUO for free PLUS get 20% off your first 6 months when you go to Quo.com/fire! Quo — no missed calls, no missed customers. QuickBooks Bill Pay - Helps you keep your business growing, while you stay in your zone of genius. Learn more at QuickBooks.com/billpay. Terms apply. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. 50 - Join JLD on his free '50 days to something' video series on YouTube and create something special in 50 days!

Artificial intelligence is rapidly transforming the consumer financial services industry. From underwriting and fraud detection to customer engagement and collections, financial institutions are increasingly deploying advanced AI tools to automate processes, personalize services, and improve operational efficiency. We are releasing today, on our Consumer Finance Monitor Podcast show, a discussion of what may be the next major technological shift for the industry: Agentic AI in Consumer Financial Services — AI systems capable of acting autonomously, making decisions, and interacting directly with consumers. The discussion featured Professor Oren Bar-Gill of New York University School of Law, along with Ballard Spahr partners Joseph Schuster and Adam Maarec.  The discussion was hosted by Alan Kaplinsky, the founder and practice group leader for 25 years of the Consumer Financial Services Group and now Senior Counsel. The panel examined how agentic AI differs from earlier forms of automation, the benefits it offers financial institutions and consumers, and the significant legal and regulatory risks it may create. Below are the key takeaways from the discussion. What Is Agentic AI? Agentic AI refers to AI systems that can independently take actions on behalf of users or organizations. Unlike traditional automation, which performs predefined tasks, or generative AI, which primarily produces content, agentic AI systems can: ·                 Make autonomous decisions ·                 Interact directly with consumers ·                 Initiate actions such as transactions or communications ·                 Learn from prior interactions In financial services, these systems may soon conduct customer service interactions, initiate collections calls, execute payments, or manage purchasing tasks for consumers. While these capabilities promise major efficiencies, they also raise complex legal questions regarding accountability, fairness, and consumer protection. Understanding AI-Driven Consumer Harm Professor Bar-Gill framed the discussion by examining potential consumer harms associated with AI-powered decision-making. Drawing on his recent book with Cass Sunstein, Algorithmic Harm: Protecting People in the Age of Artificial Intelligence, he explained that the impact of AI depends largely on the type of market in which it operates.  The book is available on Amazon here. Sophisticated vs. Unsophisticated Markets Bar-Gill distinguishes between: ·                 Sophisticated markets, where consumers are generally able to make informed decisions ·                 Unsophisticated markets, where consumers are more likely to misunderstand complex products In sophisticated markets, AI-driven personalization, such as individualized pricing, can increase efficiency and expand access to products by offering lower prices to consumers with lower willingness to pay. In contrast, in markets involving complex financial products, such as credit cards, mortgages, or insurance, AI-powered personalization may harm consumers who misjudge product costs or benefits. For example, if a consumer mistakenly overestimates the value of a financial product, an AI system may set the price just below that mistaken valuation, leading the consumer to pay more than the product is actually worth. Algorithmic Price Discrimination One area of growing concern is AI-enabled price discrimination, where algorithms tailor prices to each consumer's willingness to pay. Examples cited during the discussion included: ·                 Airlines experimenting with AI-based pricing strategies ·                 Online retail platforms offering individualized prices for identical products ·                 Insurance companies using algorithms to optimize premiums While pricing based on individual risk, such as in insurance underwriting, is widely accepted, pricing based on willingness to pay raises significant consumer protection concerns. As these practices expand, they are likely to attract increased attention from regulators and lawmakers, particularly at the state level. AI Use Cases in Consumer Finance The panel also highlighted several areas where AI is already being deployed across the consumer financial services lifecycle. Marketing and Customer Acquisition Financial institutions are using AI to analyze large data sets and create highly personalized marketing campaigns. Large language models can generate customized messaging tailored to specific demographic groups or individual consumers. While this personalization improves targeting and engagement, it also creates compliance challenges related to: ·                 Misleading advertising ·                 Disclosure requirements ·                 Potential discriminatory targeting Underwriting and Credit Decisions AI-driven underwriting tools allow lenders to analyze alternative data, such as cash-flow information, to assess creditworthiness. These tools may expand access to credit for consumers who previously lacked traditional credit histories. However, they also raise fair lending concerns under laws such as the Equal Credit Opportunity Act and its implementing regulation, Regulation B. Because many AI models operate as "black boxes," institutions may struggle to explain how decisions are made, an issue that can complicate discrimination analyses and regulatory oversight. Fraud Detection AI is particularly powerful in fraud detection, where pattern recognition is essential. Advanced models can analyze transaction behavior in real time to identify suspicious activity while minimizing unnecessary transaction declines. These tools also allow financial institutions to communicate with customers instantly, confirming transactions or investigating suspicious activity through automated interactions. Servicing and Collections Agentic AI may soon conduct both inbound and outbound customer interactions, including: ·                 Customer service conversations ·                 Dispute resolution ·                 Collections calls In some cases, AI-driven voice systems can conduct conversations that are indistinguishable from human interactions. While this technology may improve efficiency and reduce costs, it raises legal concerns about consumer deception, harassment, and compliance with debt collection laws. Core Legal Risks Despite the novelty of the technology, many of the key legal risks arise from existing laws, not new AI-specific statutes. Liability for AI Actions As Joseph Schuster emphasized, AI is a tool, not a liability shield. Institutions remain responsible for the actions of AI systems just as they would for the actions of employees or third-party vendors. Traditional legal doctrines, including agency law, vicarious liability, and unfair or deceptive acts or practices, continue to apply. UDAP Risks AI systems interacting with consumers may create risks under federal and state UDAP laws if they: ·                 Provide inaccurate information ("hallucinations") ·                 Fail to deliver required disclosures ·                 Exhibit overconfidence in uncertain responses ·                 Engage in manipulative behavioral targeting. Fair Lending and Discrimination AI models can unintentionally produce discriminatory outcomes, even when protected characteristics are not used as inputs. As Professor Bar-Gill noted, future litigation may increasingly focus on disparate impact analysis, which examines whether outcomes disproportionately affect protected classes regardless of the model's internal logic. Governance and Risk Management Given these risks, institutions are increasingly adopting governance frameworks for AI deployment. Common practices include: ·                 AI governance committees with cross-functional participation ·                 Model inventories and risk-tiering systems ·                 Vendor due diligence for AI providers ·                 Data mapping and validation processes ·                 Continuous monitoring of AI outputs. Financial regulators are already asking supervised institutions detailed questions about how AI is being used. Institutions that implement structured governance processes are better positioned to respond to these inquiries. The Rise of Agentic Commerce One emerging application of agentic AI involves autonomous purchasing. For example, a consumer might instruct an AI assistant to plan and purchase supplies for a birthday party. The AI would then select vendors, place orders, and initiate payments using the consumer's stored payment credentials. But what happens if AI makes a mistake, such as ordering supplies for 1,000 guests instead of 10? Such scenarios raise difficult questions involving: ·                 consumer authorization ·                 merchant liability ·                 payment network rules ·                 dispute resolution These issues are only beginning to receive attention from regulators and industry participants. Key Takeaways for Financial Institutions The panel concluded with several recommendations for institutions exploring AI deployment. First, distinguish beneficial uses from harmful ones. AI can deliver significant consumer benefits, but firms must remain vigilant about potential misuse or unintended harm. Second, prioritize governance. Robust policies, oversight structures, and risk management processes are essential. Third, remember that existing laws still apply. AI systems must comply with the same consumer protection, fair lending, and disclosure requirements that govern traditional processes. Finally, institutions must recognize that failing to adopt AI also carries risks. As fraudsters increasingly deploy advanced technology, financial institutions may need AI tools simply to keep pace. As AI technology continues to evolve, the legal framework governing its use in financial services will also develop. For now, however, the most important lesson is that innovation must proceed hand-in-hand with careful legal and compliance oversight. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Jay Jacobs, U.S. head of equity ETFs at BlackRock, says that the artificial-intelligence revolution has delivered massive spending, but not at levels that have been spent relative to gross domestic product, during other generational shifts like the introduction of the automobile. As a result, while he understands the bubble concerns, he expects AI to continue holding its place among BlackRock's global thematic trends. Also on that list of trends is geopolitical shifts, which were well underway before current events evolved into a war in Iran; because those trends were in place before today's developments, Jacobs says he doesn't expect markets or outlooks to be dramatically impacted by headline events. Jacobs also discusses the new iShares Staked Ethereum fund, a new development in the crypto space, which the firm is launching today. Wade Pfau,  professor of retirement income, at The American College of Financial Services, discusses his revised, third edition of "Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success," which includes a new section covering sequence-of-inflation risk. Pfau says that concern -- which financial advisers mostly overlooked -- is particularly important now given growing concerns about sticky inflation, and that it may be as important for retirement savers as sequence-of-return risk, which Chuck typically says is his biggest retirement-savings worry. Plus, Todd Rosenbluth, head of research at VettaFi, leans into global turmoil this week, picking a diversified international fund as his ETF of the Week.

Join Craig, Josh and Charlie Wise, TransUnion's EVP of Global Research and Consulting, as they unpack the forces shaping the 2026 consumer credit landscape. From a stabilizing macroeconomic backdrop to evolving lender strategies, Charlie walks through key trends across credit cards, auto, personal loans and mortgage. He also explores the implications of affordability pressures, interest rate expectations and the K shaped dynamics influencing consumer financial health. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

If you've grown your business beyond a solo practice with a small team, you've likely learned the hard way that one bad hire can derail momentum, create internal chaos, and hold your entire business hostage.In this episode, I'm excited to have leadership expert, author, and HR strategist Tom Healy on the podcast. Tom has worked with high-performing organizations, including the U.S. Navy, Harvard Medical School, and Fortune 500 companies, and he's spent decades helping businesses scale the right way — with structure, accountability, and culture at the center.We unpack the mistakes founders make when hiring too fast, how poor performers slowly sabotage organizations, and the exact systems you need to have in place to prevent one person from controlling your business.3 of the biggest insights from Tom …#1.) It's Okay to Overpay for A-Players The cheapest hire is often the most expensive mistake. High performers operate like owners, stay longer, and eliminate the hidden cost of turnover. Paying above market isn't reckless, it's strategic.#2.) Poor Performers Will Hide When There's No AccountabilityIf you don't have clear KPIs, you don't have leverage. Vague feedback creates arguments. Objective metrics create clarity. A-players want coaching. B and C players resist it.#3.) No One Should Be Able to Hold Your Business HostageWhen all knowledge lives inside one person's head, you're exposed. Document systems. Build an internal knowledge center. Consider fractional talent. Structure creates freedom.SHOW NOTEShttps://bradleyjohnson.com/159FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Discover how enterprise AI and data strategy are operationalized at scale in one of the most highly regulated industries in the world. Louis DiModugno, Global Chief Data Officer at Verisk, shares how he builds AI-ready data foundations across 40+ petabytes of insurance and risk data, and the best practices behind embedding AI into enterprise products. He discusses unstructured data, deepfakes, and the shift from governance to observability, offering practical insights for data leaders scaling AI responsibly. Key Moments: From Military Leadership to Chief Data Officer: Data Integrity as a Competitive Advantage (03:02): Louis shares how his experience as a U.S. Air Force Colonel has shaped his approach to data governance, data quality, and enterprise AI leadership. He explains why integrity, service, and operational excellence are essential foundations for modern CDOs building trusted, decision-ready data environments. Building AI-Ready Data Foundations at a 40+ Petabyte Scale (17:13): Managing more than 40 petabytes of insurance and risk data, Louis breaks down how Verisk transforms complex, multi-source data into AI-ready infrastructure. From entity resolution and master data management to benchmarking and predictive analytics, he outlines what it takes to prepare enterprise data for AI and advanced analytics at scale. Designing an AI-First Data Strategy for Enterprise Decision Intelligence (20:00): Louis breaks down how Verisk evolved toward an AI-first data strategy across more than 150 insurance and analytics products. Rather than treating AI as an add-on, he explains how embedding AI into core workflows enables smarter underwriting, pricing, regulatory reporting, and risk management. He also discusses the strategic role ThoughtSpot plays in delivering natural language search, embedded analytics, and scalable AI-driven decision making. AI Fraud, Deepfakes, and Risk Management in Financial Services (26:11): As AI-generated images and synthetic claims become more sophisticated, Louis discusses how the insurance industry is combating deepfake fraud and AI-driven manipulation. He shares best practices around AI risk management, vendor partnerships, and regulatory collaboration to protect policyholders and maintain trust. Unstructured Data and AI: Why Governance Still Matters (29:28): Louis explores how expanding beyond structured data is reshaping enterprise AI. He explains why incorporating unstructured data into vector databases, graph models, and knowledge systems can significantly improve model accuracy and decision confidence. At the same time, he emphasizes that stronger governance (or observability as he reframes it) is essential as organizations scale AI across regulated industries. Key Quotes: “The more data that you bring to the equation, the more elements that you have in the algorithm, the higher level of accuracy you should be able to reach with your outcomes.” - Louis DiModugno “I've tried to move away from using the word governance as much as I like to use the word observability, because I really think observability shows more aspects of what it is that we are doing with the data.” - Louis DiModugno “The underlying aspect of what ThoughtSpot's delivering to them is our insights that not only give them their answer, but also give them insights that maybe they weren't looking specifically for. One of the big benefits of ThoughtSpot is that it's trying to anticipate what you're asking for.” - Louis DiModugno “We've partnered with ThoughtSpot, which brings AI embedded within its product. By having our data available through the data sets that we populate through the ThoughtSpot products, we've got the opportunity to utilize Spotter and the natural language processing capabilities to interact with the data, so that you can ‘talk with your data'.” - Louis DiModugno Mentions From Months to Weeks: How Verisk Scaled Embedded Analytics Breaking Down Digital Media Fraud for Claims in the AI Era Randy Bean's 2026 AI & Data Leadership Executive Benchmark Survey Guest Bio  Louis DiModugno brings more than 20 years of career experience in data and analytics to his new role. He has held several leadership positions in insurance and (re)insurance at firms including The Hartford and AXA US, where he served as the company's inaugural Chief Data & Analytics Officer. Most recently, DiModugno pioneered the role of Chief Data and Technology Officer for Hartford Steam Boiler. Before entering the private sector, DiModugno served with distinction as a Colonel in the U.S. Air Force and Air Force Reserves. He has held teaching positions at Rensselaer Polytechnic Institute, and he currently serves on the Chief Data Officer Advisory Council for the George Mason University School of Business. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

Episode 193 | Why Great Leadership Creates Great Wealth | Financial Planning, Wealth Building & Leadership Development for Entrepreneurs   What separates high-earning entrepreneurs who build lasting wealth from those who just make good money? According to financial planner and leadership coach Mando Sallavanti, it starts with how you lead.   In this episode of the Heartbeat for Hire Podcast, wealth management expert and Freedom Path Wealth founder Mando Sallavanti III, CFP®, CEPA, ChFC® breaks down the direct connection between great leadership, financial freedom, and building a life by design — not by default. Mando went from grinding cold calls in Scranton, PA to managing a nationwide client base of $500K+ earners, speaking on national stages, and coaching financial advisors across the country. His journey is a masterclass in leadership transformation, business growth, and strategic wealth building.   In this conversation, Mando gets real about the leadership identity crisis that changed everything — trading an ego-driven, command-and-control style for one rooted in empowerment, delegation, and hiring for potential. He also breaks down his signature "credit card game" — a wealth strategy entrepreneurs and business owners are using to fund luxury travel and premium life experiences without sacrificing long-term financial goals. In this episode, you'll learn:   1️⃣ How to shift from ego-driven leadership to a model built on empowerment and accountability — and why it builds better teams and bigger businesses faster 2️⃣ The wealth-building strategy high-earning entrepreneurs are sleeping on: leveraging business expenses through strategic credit card use to fund premium life experiences 3️⃣ Why hiring for potential over credentials is the leadership move that scales businesses — and how Mando applied it inside a financial services firm Perfect for: entrepreneurs, small business owners, financial advisors, sales leaders, high-income professionals, wealth management clients, anyone building a leadership culture, and executives managing equity comp, real estate, or closely held businesses.   About Mando Sallavanti Mando Sallavanti is the founder of Freedom Path Wealth, a modern financial planning firm serving successful families earning $500K+ — executives managing equity compensation, real estate, and closely held businesses who need clarity, philosophy: Spend it like you mean it. Beyond client work, Mando is one of the most followed financial professionals on LinkedIn (46,000+ followers) and coaches financial advisors nationwide on building profitable, planning-first practices using the same tactical frameworks and personal brand strategies that took him from cold calls to national stages.

Our guests on the podcast today are Jamie Hopkins and Bonnie Treichel, who are co-authors of a new book, Your Retirement Sketchbook. Jamie is the CEO of Bryn Mawr Trust Advisors, Chief Wealth Officer of WSFS Bank, and founder of the FinServ Foundation. He's a professor of practice at Creighton University and the American College of Financial Services. He's also a contributor to Forbes and has been elected to the Fellows of the American Bar Foundation. Bonnie is the founder and Chief Solutions Officer of Endeavor Retirement, a consulting firm dedicated to solving problems for plan sponsors, advisors, and service providers in the retirement plan industry. She also serves as treasurer for the FinServ Foundation. Episode Highlights 00:00:00 The FinServ Foundation and Your Retirement Sketchbook 00:10:06 Understanding “Rewirement,” Mindset Shifts, and Behavioral Biases in Retirement 00:18:15 Why In‑Plan Annuities Are Emerging Inside 401(k) Plans 00:20:57 Retirement Bucket, Private Assets, and Reducing Sequence‑of‑Returns Risk 00:31:21 Risks to Social Security Benefits 00:33:17 Advisor-Client Dynamics in Retirement Planning 00:38:03 Retirement Planning Books and Podcasts Retirement Resources Mentioned Your Retirement Sketchbook Retirement Planning Guidebook Safety-First Retirement Planning Ikigai: The Japanese Secret to a Long and Happy Life Retiring Minds Podcast More From Morningstar Retirement Withdrawal Sequencing Rules of the Road Here's How You Can Spend More During Retirement Jamie Hopkins: A Framework for Financial Freedom If you have a comment or a guest idea, please email us at TheLongView@Morningstar.com. Follow Christine Benz (@christine_benz) and Ben Johnson (@MstarBenJohnson) on X, and Christine Benz, Amy Arnott, and Ben Johnson on LinkedIn. Visit Morningstar.com for new research and insights from Christine, Ben, and Amy. Subscribe to Christine's weekly newsletter, Improving Your Finances. If you want more Morningstar podcasts, check out The Morning Filter and Investing Insights. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're into pop culture, great stories and some outstanding (un)retirement advice, you will love this episode! Mitch got his start as a producer for The Larry King show. He also shares a hilarious on air experience with Howard Stern. There's also his experience as a contestant on a new show (at the time) called Love Connection and his work on the Love Boat.  When Mitch hit his 30's his dad suggested that he may want to get a "real job." He went on to have a very rewarding career in Financial Services for 35 years. But what about now? What Mitch is doing in his 3rd period (he likes to break his life into hockey terms) is very cool. He's combining his accumulated skills from his days in the entertainment broadcasting with all his financial advising background to teach financial advisors the modern day skill of storytelling through podcast, video and social platforms. At 65, Mitch finds his 3rd career is very fun and rewarding. • More about Mitch Slater: https://www.ubs.com/content/dam/assets/wma/us/insights/events/documents/mitch-slater-bio.pdf  • Mitch's YouTube Page: https://www.youtube.com/@mitchslater191  • Episode Content: https://pickleballmediahq.com/blog/mitch-slater-interview-from-broadcasting-producer-to-advisor-to-digital-creator  • Sponsored by Capital Advantage: https://capitaladvantage.com/promotion/retirement-planning-guide • Sponsored by How to Retire and Not Die: https://garysirak.com/how-to-retire-and-not-die  • I Used to be Somebody World Tour: https://pickleballmediahq.com/tour/all-tours  • Subscribe to the the I Used to be Somebody Newsletter: https://pickleballmediahq.com/contact/subscribe 

March 10, 2026- We dive into Gov. Kathy Hochul's plan to address car insurance costs, including utilizing the state's excess profit law, with the help of Kaitlin Asrow, acting superintendent for the state Department of Financial Services.

By day, Kristin Sundin Brandt is the President and Owner of Sundin Marketing, a communications pro, and a working mom. But on the trails and roads of New England, she's an amateur athlete with a collection of seven (and counting) bicycles. In this episode of Punch Out with Katie and Kerry, we talk with Kristin about her love of mountain biking, the "no-pedal" bike mystery, and why she firmly believes that falling off your bike is the best way to keep your mind flexible as you get older. In this episode we learned: Why Kristin owns seven different bikes and how each one serves a unique purpose (from gravel to fat-tire winter riding). The mystery of the "pedal-less" bike and why high-end bikes often come without them. What Zwift is and how it turns a sweaty indoor bike session into a massive multiplayer video game. Why padded shorts are a cyclist's best friend—and why you should never wear underwear beneath them. The philosophy of the "intentional crash" to stay "bendy" and resilient as you age. Why tandem bikes are known as "divorce machines" (and why Kristin steered clear after one try). Want to know more about Kristin? You can find her at: LinkedIn: https://www.linkedin.com/in/kristinsb/ Professional Topics: Marketing, Financial Services, and Communications Strategy. Community: Keep an eye out for her work with women's mountain bike series in the summer!   This episode is sponsored by  Chloë Forbes-Kindlen. Chloë helps teams like yours build and manage their business operating system in Notion. Head to businessops.co/punchout to access your free starter kit.   Punch Out with Katie and Kerry is the show that dives deeper into topics you care about. We don't ask the questions everyone else does. We get to the real insights (and the weird hobbies, the guilty pleasures, the secret side hustles...the good stuff)! We find out what really makes your favorite folks tick. Punch out with Katie and Kerry! Have a cool hobby or side interest you want to talk about on Punch Out with Katie and Kerry Let us know:  Website: www.punchoutwithus.com Email: punchoutwithus@gmail.com Hosts: Kerry O'Shea Gorgone (@KerryGorgone) & Katie Robbert (@katierobbert)

This week, investment fund manager The Vanguard Group committed to ending its ESG-driven investment initiatives, ceasing any efforts to influence portfolio companies’ business strategies toward carbon-emissions reductions, enhancing disclosure of its proxy voting activities, and producing records related to its participation in climate-related organizations. The multi-state suit, led by Texas, asserted that Vanguard and other investment managers engaged in a coordinated effort to drive up the price of coal and misrepresented the nature of their funds to investors. In this landmark settlement agreement, Vanguard has agreed to make the strongest passivity commitments in the industry and empower investors with proxy voting. What are the implications of this settlement for future federal and state action against coordinated ESG-driven market manipulation? Join us for a timely discussion as experts unpack the details of the Vanguard settlement. Featuring:Will Hild, Executive Director, Consumers' Research Brent Webster, First Assistant Attorney General of Texas (Moderator) Paul N. Watkins, Partner, Fusion Law

Today's guest is Emmanuel Ranchin, VP Global Cyber Security Fusion at State Street. Founded in 1792, State Street are a global leader across investment servicing, markets and financing and investment management. With 11.5% of the world's financial assets flowing through their doors every day, they are a trusted partner to institutional investors and a vital part of the global economy. Together with their clients, State Street help create better outcomes for the world's investors and the people they serve.Emanuel is an accomplished Programme Manager with strong analytical, problem-solving and IT skills, built on a foundation in Chemical Engineering and extensive experience in the Financial Services industry. A results-driven team leader with excellent interpersonal and communication abilities, Emanuel is highly committed, approachable and adaptable leader who consistently delivers successful outcomes.In the episode, Emmanuel discusses:0:00 His journey from engineering to leading cybersecurity governance in banking5:30 Why Cybersecurity needs accountability, culture and business partnership9:28 How Cyber hygiene culture extends beyond work into daily life11:56 His advice to stay curious, be open-minded and keep learning to stay relevant15:32 Why clear communication, emotional intelligence and simplifying complexity drive success18:47 Effective communication requires time, cultural awareness, feedback and adaptation22:39 The need to build trust, model behavior, embrace feedback, balance risk and enable AI24:32 Innovation requires curiosity, culture change, clear goals and empowered thinkingTo find out more about all the great work happening at State Street, check out the website www.statestreet.com

The Middle East conflict is causing a supply chain shock. Natalie Gill, Portfolio Strategist at the BlackRock Investment Institute, explains how energy disruptions are driving regional market effects and adding to inflation risk. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2026 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BII0326-5284926-EXP0327

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Brett K. Oubre survived a brain tumor, plane crash, and debt to become a CEO, owner-operator of six top-performing dealerships, and creator of 300 jobs. Top 3 Value Bombs 1. Your biggest failure can be just before your biggest success. 2. You will learn a lot by evaluating your failure. 3. No matter how bad your situation is, there is always a way forward. Check out Brett's website! You can always find a way forward - BrettOubre.com Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. 50 - Join JLD on his free '50 days to something' video series on YouTube and create something special in 50 days! QuickBooks Bill Pay - Helps you keep your business growing, while you stay in your zone of genius. Learn more at QuickBooks.com/billpay. Terms apply. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.  

Join AI host Roxie Rush on Mr. Beast Biography Flash as she covers the major February-March 2026 developments shaking up the MrBeast empire — including Beast Industries' acquisition of teen financial app Step, Jimmy Donaldson's mission to provide financial education to millions, the trademarking of Beast Financial, and the swift firing of a North Carolina editor following insider trading allegations on prediction market platform Kalshi. Roxie breaks down what these moves mean for the $5 billion content-to-conglomerate transformation and why this could be a defining moment in creator economy history.Loved this episode? Discover more original shows from the Quiet Please Network at QuietPlease.ai, explore our curated favorites here amzn.to/42YoQGI, and catch just a slice of our AI hosts in action on Instagram at instagram.com/claredelish and YouTube at youtube.com/@DIYHOMEGARDENTVThis content was created in partnership and with the help of Artificial Intelligence AI

From the archive: This episode was originally recorded and published in 2022. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Teresa Vozza is a leadership expert, certified executive coach, and NLP trainer who left corporate in 2022 to build a thriving, purpose-driven business. Top 3 Value Bombs 1. Women no longer just want a seat at the table. They want to go beyond it. 2. Being comes before doing. 3. To build your business, focus on what to do before how to do it. Unlock Your Leadership Edge. Check out Teresa's website - Crucible Leader Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. NetSuite - If your revenues are at least in the seven figures, get our free business guide, Demystifying AI, at NetSuite.com/fire! QuickBooks Bill Pay - Helps you keep your business growing, while you stay in your zone of genius. Learn more at QuickBooks.com/billpay. Terms apply. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

Frank and Rob dive into: • Rob's path from UBS and Morgan Stanley to launching NewEdge Wealth. • How NewEdge Wealth and NewEdge Advisors differ and advisor profiles that may fit each platform. • How multi-custody and open architecture models can offer flexibility. • Perspectives of some advisors that have experienced business growth after joining the firm. •  The role of private equity and its innovation in wealth management. • How advisors may use niche marketing strategies and referral initiatives to identify opportunities. Whether you're exploring alternatives to a wirehouse or staying informed on industry developments, this conversation offers a practical look at the choices and trade-offs within today's independent landscape. Want to connect? • Reach out to Frank directly at frank@eliteconsultingpartners.com or send him a DM on LinkedIn. • You can also connect with Rob by emailing RSechan@NewEdgeCG.com or visiting his LinkedIn page. Chapters:   0:00 Introduction 1:02 From Wirehouse Advisor to Building a New Platform 6:30 What Makes Elite Financial Advisors Different 8:08 NewEdge Wealth vs NewEdge Advisors Explained 18:08 Why Multi-Custody & Open Architecture Matter 27:00 How Top Advisors Accelerate Growth After Going Independent 36:09 Private Equity's Role in the Future of Wealth Management 40:46 Why Advisors Should Explore the Independent Model Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/ “Assets “serviced by” the firm includes (i) client assets for which we provide investment advisory services, (ii) client assets for which we provide brokerage services through our affiliate, NewEdge Securities, LLC and (iii) client assets held at affiliated and unaffiliated broker dealers for which we provide supervisory oversight, support services and/or wealth strategy services. Opinions expressed are as of October 7, 2025, and may change without notice. This content is for informational purposes only and does not constitute investment advice or a recommendation regarding any security, strategy, or business relationship. Past performance does not guarantee future results. References to advisor experiences (including business growth, win rates, or referrals) reflect individual circumstances and are not representative of all advisors or outcomes. Results vary and are not guaranteed. Any testimonials or endorsements presented reflect the speaker's opinion at the time made. If compensation or other benefits were provided in connection with a testimonial or endorsement, that fact will be disclosed. Such statements should not be construed as indicative of future performance or experience for all clients or advisors. Third-party firms, custodians, platforms, or services referenced are independent of NewEdge. Their inclusion does not constitute a recommendation, endorsement, or approval. Where third-party ratings or rankings are cited, the source and date apply; methodologies may differ, and ratings may not predict future performance. NewEdge may have business arrangements with certain third parties that present potential conflicts of interest; details available upon request. NewEdge may receive or provide referrals to or from third parties, including custodians, which may involve compensation or other benefits. Additional information about referral relationships and compensation is available upon request, A copy of the NewEdge's current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request or at www.newedgecg.com. All company names, logos, and trademarks are property of their respective owners and are used for identification only. References to media appearances do not constitute an endorsement.

The newly released Epstein-related documents highlighted a major financial transaction involving billionaire Leon Black, revealing that he secured a $484 million loan from Bank of America backed by works of art. The loan, documented in materials connected to the Epstein files, used high-value paintings by artists such as Picasso, Giacometti, Titian, and Matisse as collateral. While the size of the loan drew attention because of its connection to the Epstein documents, art-backed lending itself is a common practice among ultra-wealthy collectors. These loans allow wealthy individuals to unlock liquidity from valuable art collections without having to sell the works, often at relatively low interest rates due to the borrower's overall wealth and the value of the collateral.The report also highlighted the rapid growth of the art-lending industry, which is estimated to be worth between $38 billion and $45 billion globally and is expected to exceed $50 billion by 2028. Wealthy collectors frequently borrow against artwork to fund investments, acquire additional art, or access cash while avoiding the significant tax consequences that come with selling pieces. Auction houses such as Sotheby's Financial Services, along with specialty lenders and private banks, dominate much of this market. Because selling art can trigger capital-gains taxes of more than 30%, borrowing against art has become an attractive financial strategy for collectors who want liquidity while continuing to hold and display their valuable pieces.to contact me:bobbycapucci@protonmail.comsource:Epstein files highlight how the wealthy borrow against art collections

Hosts Megan Beaver and Savanna Williams talk to Rachel Park and Lisa Umans about the regulation of the organ procurement industry, recent congressional interest in the space, and the latest updates from the Centers for Medicare and Medicaid Services (CMS).  This podcast episode features the following speakers: Rachel Park is a senior counsel in Crowell & Moring's Washington, D.C. office and a member of the firm's Health Care Group. She advises clients on a wide array of health care matters, including Medicare and Medicaid reimbursement, managed care litigation, and health care fraud investigations and oversight. Prior to joining Crowell, she served for 24 years at the U.S. Department of Health and Human Services (HHS), most recently as principal deputy general counsel, the highest-level nonpolitical appointee in the HHS Office of the General Counsel.  Lisa Umans is a partner in Crowell & Moring's New York office and a member of the firm's White Collar and Regulatory Enforcement group and Financial Services group. She represents large institutional clients and individuals in federal and state regulatory and criminal investigations conducted by grand juries, congressional committees, and domestic and international law enforcement and regulatory agencies including the Department of Justice's Criminal and Antitrust Divisions, U.S. Attorney's Offices, Securities and Exchange Commission (SEC), the Commodity Futures Trading Commission (CFTC), the Financial Industry Regulatory Authority (FINRA), and various State Attorneys General. Payers, Providers, and Patients – Oh My! is Crowell & Moring's health care podcast, discussing legal and regulatory issues that affect health care entities' in-house counsel, executives, and investors.

The newly released Epstein-related documents highlighted a major financial transaction involving billionaire Leon Black, revealing that he secured a $484 million loan from Bank of America backed by works of art. The loan, documented in materials connected to the Epstein files, used high-value paintings by artists such as Picasso, Giacometti, Titian, and Matisse as collateral. While the size of the loan drew attention because of its connection to the Epstein documents, art-backed lending itself is a common practice among ultra-wealthy collectors. These loans allow wealthy individuals to unlock liquidity from valuable art collections without having to sell the works, often at relatively low interest rates due to the borrower's overall wealth and the value of the collateral.The report also highlighted the rapid growth of the art-lending industry, which is estimated to be worth between $38 billion and $45 billion globally and is expected to exceed $50 billion by 2028. Wealthy collectors frequently borrow against artwork to fund investments, acquire additional art, or access cash while avoiding the significant tax consequences that come with selling pieces. Auction houses such as Sotheby's Financial Services, along with specialty lenders and private banks, dominate much of this market. Because selling art can trigger capital-gains taxes of more than 30%, borrowing against art has become an attractive financial strategy for collectors who want liquidity while continuing to hold and display their valuable pieces.to contact me:bobbycapucci@protonmail.comsource:Epstein files highlight how the wealthy borrow against art collectionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-moscow-murders-and-more--5852883/support.

Amy Suzanne Upchurch, mom of six and Founder & CEO of Pink Stork, leads a wellness brand empowering women through every stage of womanhood with clean, purposeful supplements. Top 3 Value Bombs 1. Motherhood isn't a limitation; it's a leadership advantage that builds decisiveness, focus, and resilience. 2. Pain is often preparation; personal health struggles can become the foundation for meaningful, mission-driven businesses. 3. Women don't need to be "fixed"; they need support that honors how their bodies were designed to function. Check out Amy's website to learn more about Pink Stork products - Pink Stork Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Cape - A privacy-first mobile carrier, built from the ground up with security as the priority. If you care about protecting your digital life without giving up your smartphone, Cape makes that possible. Visit Cape.co/fire and use code FIRE for 33% off cape for 6 months today! QuickBooks Bill Pay - Helps you keep your business growing, while you stay in your zone of genius. Learn more at QuickBooks.com/billpay. Terms apply. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

If you're leading a team and meeting with clients every day, your ability to influence, listen, and read the room matters more than you think. The best advisors aren't just good at numbers, they're good at people. And most of us are missing half the signals.In this episode, I'm joined by mentalist and keynote speaker, Max Major. We recently had the pleasure of having Max perform at our Triad Launch Experience and he absolutely blew the room away. And it wasn't just with his mind-bending demonstrations, it was with the psychology behind influence, body language, and belief systems.We unpack what's really happening beneath the surface in client conversations — how your intent changes the energy in the room, how subtle body language cues reveal internal objections, and how understanding your client's state of mind can completely reshape the way you lead, serve, and earn trust.3 of the biggest insights from Max Major…#1.) Body Language Is About Noticing Shifts, Not JudgmentThere's no universal meaning to crossed arms. The game is noticing changes from open to closed (or closed to open), then stopping and giving them the floor immediately. That's how you handle objections before they become deal-killers.#2.) The Best Salespeople Are Elite ListenersConfidence, rapport, and trust are the three pillars of influence. But the real edge comes from listening deeply enough to let the client write the sales pitch for you and then paraphrase it in your own words.#3.) Your Thoughts Create Your RealityMax unpacks why high performers often run on a hidden program like “I'm not good enough,” how that can drive success for years, and why upgrading the belief can unlock a new level without killing your edge.SHOW NOTEShttps://bradleyjohnson.com/158FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The newly released Epstein-related documents highlighted a major financial transaction involving billionaire Leon Black, revealing that he secured a $484 million loan from Bank of America backed by works of art. The loan, documented in materials connected to the Epstein files, used high-value paintings by artists such as Picasso, Giacometti, Titian, and Matisse as collateral. While the size of the loan drew attention because of its connection to the Epstein documents, art-backed lending itself is a common practice among ultra-wealthy collectors. These loans allow wealthy individuals to unlock liquidity from valuable art collections without having to sell the works, often at relatively low interest rates due to the borrower's overall wealth and the value of the collateral.The report also highlighted the rapid growth of the art-lending industry, which is estimated to be worth between $38 billion and $45 billion globally and is expected to exceed $50 billion by 2028. Wealthy collectors frequently borrow against artwork to fund investments, acquire additional art, or access cash while avoiding the significant tax consequences that come with selling pieces. Auction houses such as Sotheby's Financial Services, along with specialty lenders and private banks, dominate much of this market. Because selling art can trigger capital-gains taxes of more than 30%, borrowing against art has become an attractive financial strategy for collectors who want liquidity while continuing to hold and display their valuable pieces.to contact me:bobbycapucci@protonmail.comsource:Epstein files highlight how the wealthy borrow against art collectionsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Yamaha Motor Co., Ltd. is relocating its U.S. headquarters from Cypress, California, to Kennesaw, Georgia, between the end of 2026 and the end of 2028. This move, prompted by changes in the company's U.S. business focus, follows the earlier relocations of the Marine and Motorsports businesses to Kennesaw. The Cypress facility, which has served as the headquarters for approximately 50 years, primarily houses corporate functions and the Financial Services business. Yamaha is also selling its Cypress fixed assets, including land, offices, and warehouses, using a sale-and-leaseback arrangement for business continuity. The relocation aims to improve asset efficiency and enhance profitability in the United States amid rising costs and market changes. This is part of Yamaha's structural reforms to build a more resilient and robust organization.

AI can generate the message in seconds. It cannot lead the room.In How to Communicate Powerfully in the AI Era with Jane Hanson, Dr. Ginny Baro brings senior leaders into a focused conversation about the one leadership advantage technology cannot replace. As AI accelerates output, communication becomes the differentiator that drives alignment, decision velocity, and trust across teams.Dr. Ginny sits down with Jane Hanson, Emmy Award-Winning broadcaster turned Executive Presence, Media, and Presentation coach, to examine what executive communication really requires when pressure is high and expectations are rising.In this episode, listeners gain:A disciplined way to communicate clearly as a senior leader when complexity threatens clarityInsight into how executive presence in meetings influences trust, credibility, and follow throughA sharper understanding of how leadership communication shapes personal brand and long term influenceThis conversation speaks directly to C suite leaders, CHROs, COOs, and executive teams navigating change in Financial Services and STEM. In an AI driven workplace, executive communication skills, trust building, and alignment across multi-generational teams determine whether strategy moves or stalls.Listen and strengthen the leadership advantage that still matters most.Recommended resources:⭐ If you enjoyed this content, subscribe to our podcast, rate it so others can find it, and share the episode with your trusted network.Looking for ways to grow and lead?⭐ Let's connect for a 15-minute cyber coffee and explore what you're facing or what may be holding you or your team back. I've held a few spots on my calendar for these high-impact connections: https://cybercoffee.youcanbook.me/⭐ If you're hosting an event and looking for a relatable speaker who delivers fresh perspectives, energy, and practical insights, let's explore how we can collaborate. https://www.executivebound.com/speaking⭐ Gain weekly leadership tools and strategies by joining our ExecutiveBound Inner Circle: https://www.executivebound.com/innercircle⭐ Explore upcoming events and high-value resources from our website: https://www.executivebound.com/events⭐ And don't miss claiming your copy of Healing Leadership or Fearless Women at Work for actionable insights to strengthen your journey: www.executivebound.com/booksLet's expand our network!⭐ Send me a LinkedIn connection request. I'd love to share my network of over 29K members with you: https://www.linkedin.com/in/ginnybaro© ExecutiveBound®. All rights reserved. The Dr. Ginny Show content may not be reproduced, distributed, or transmitted in any form without prior written permission.Disclaimer: The views, information, and opinions shared on The Dr. Ginny Show are intended for entertainment and educational purposes only. They do not substitute for professional advice in legal, medical, financial, therapeutic, or organizational matters. Always seek the advice of qualified professionals regarding your unique situation.About Jane HansonJane Hanson is an Emmy award-winning broadcaster turned Executive Presence, Media, and Presentation coach. She spent over 30 years at NBC in New York, conducting thousands of interviews and speaking engagements. Today, she helps leaders refine what they say, how they say it, and how their body language brings it all together. Connect with Jane at www.janehanson.com, email jane@janehanson.com, and follow her on LinkedIn.About Jane HansonJane Hanson is an Emmy award-winning broadcaster turned Executive Presence, Media, and Presentation coach. She spent over 30 years at NBC in New York, conducting thousands of interviews and speaking engagements. Today, she helps leaders refine what they say, how they say it, and how their body language brings it all together. Connect with Jane at www.janehanson.com, email jane@janehanson.com, and follow her on LinkedIn: https://www.linkedin.com/in/janehansontv

AI in customer experience, fraud prevention, and back-office operations is moving fast in banking and financial services, and the firms that fall behind risk losing both customers and competitive ground. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Mamta Rodrigues, Chief Client Officer of Banking, Financial Services and Insurance at TP, one of the largest employers in the world with over 500,000 people globally. Mamta brings decades of hands-on experience across American Express, MasterCard, Visa, and Synchrony, and she holds a patent, a signal that she has spent real time building products, not just advising on them. The conversation covers practical AI use cases in fraud, collections, and compliance, along with what separates clients who get results from those who stall out after a pilot.The pressure on banks and fintechs right now comes from two directions at once. Consumer expectations keep rising because people interact with payment products every single day. At the same time, fraud is accelerating. Every time the industry catches up, fraudsters adapt faster and the cycle resets. That means fraud teams, product teams, and customer experience teams are all fighting for resources and attention at the same time. For treasury managers, CFOs, and compliance leaders, this creates a real tension: how do you invest in AI-powered fraud prevention and still deliver a smooth experience that keeps customers loyal?The numbers from inside TP's client work tell a clear story. Fifty percent of TP's solutions are now AI-led, with the heaviest concentration in back-office operations like fraud, financial crime, and claims management. Mamta describes a recent deployment of TP's AI blueprint, tp.ai fab, layered into an existing client's operations to prevent and predict fraud. The results showed significant improvement in key metrics. On the collections side, predictive analysis now arms agents before a call even starts with propensity to pay, likely timing, expected recovery percentage, and recommended remediation paths. That kind of preparation changes the entire tone of a collections interaction from adversarial to solution-oriented, and the outcome is measurable: increased repayment, stronger loyalty, product expansion, and reduced breakage.One of the clearest signals Mamta uses to gauge whether a client will actually get results versus abandon the effort after a test: the composition of who shows up. When the cross-functional team walks through the door, operations, product, IT, and data leaders together, that's when real progress happens. She describes a design thinking approach where the client provides a problem statement in advance, both sides bring the right people, and in a single day they can shape a solution direction. The typical pattern is that they start with one problem statement and end the session with additional problem statements and new opportunities they had not considered. Clients who send a single department to "explore AI" without bringing the other stakeholders rarely make it past the pilot stage.Looking three to five years out, Mamta expects advanced AI and predictive analytics to fundamentally reshape how customer experience operates, powered by stronger data foundations and more mature tech stacks. She predicts continued growth in AI-led back-office solutions, deeper fraud protection capabilities, and a rising focus on elevating talent rather than replacing it. The human factor, she says, will always remain because both the customers and the agents serving them are still people. Her single piece of advice to fintech executives and founders: "Be comfortable with the uncomfortable." The firms that try, pivot, learn, and avoid the belief that they already know everything will be the ones that pull ahead.Key HighlightsFraud Signals Your Phone RevealsEvery mobile transaction generates thousands of hidden data points including gyroscope movement, touch pressure patterns, key press timing, and screen angle behavior that machine learning models use to verify identity. IP address matching combined with geolocation checks can confirm whether the person making a payment is physically located where their device says they are, adding layers of fraud protection most consumers never realize exist.Automation Is Not Replacing AgentsTP proposes automation first in every client engagement, yet the goal is augmenting agent performance through AI-powered training, quality assurance, and workforce management tools. Mundane tasks like balance inquiries have already moved to apps, while new roles in data analysis, predictive modeling, financial crime investigation, and fraud prevention are growing faster than the positions being phased out.Consumer Behavior Now Drives FintechBanking and payments typically lead BFSI adoption cycles because consumers transact with payment products daily, while insurance interactions are infrequent and purpose-driven. That frequency gap means consumer expectations hit banking and fintech firms first, forcing faster response times and creating pressure that insurance companies eventually absorb as a fast follower.Living On Cash Taught Product ThinkingOne of the sharpest product leadership lessons came from spending an entire month using only cash, no cards, no checks, no electronic payments, to understand what consumers actually experience when they lack access to modern payment tools. That hands-on immersion shaped a framework for understanding customer pain points from the inside out, a method still applied today when onboarding new clients by finding internal employees who already use the client's products.The Real Meaning Of DataThe phrase "so what of the data" reframes the entire conversation around why raw data collection means nothing without a clear connection to personalization, spend analysis, and predictive outcomes. Combining multiple data sources with analytics can reveal buying power, transaction patterns, location behavior, and propensity to pay, turning passive information into active intelligence that drives customer engagement and retention.Storytelling Aligns Stakeholders FasterComplex enterprise sales involving operations, product, and executive teams require more than technical specs to move forward, and framing solutions around a clear North Star with a human impact story accelerates buy-in. Using a collections call as an example, the narrative centers on saving a customer relationship rather than recovering a balance, which reframes cost of acquisition against breakage and makes the ROI case emotionally and financially persuasive.Banks Now Seek Outside PerspectiveA year ago, most banking clients told TP they would solve AI and CX challenges internally within their own teams and systems. In the last twelve months, that posture has shifted sharply toward requesting peer group insights, consortium-style knowledge sharing across 350+ global BFSI clients, and collaborative problem solving that treats the current wave of change as an industry-wide learning curve.Culture Shapes Customer Experience StrategyThree years of living and working in India reinforced that cultural context directly affects how customers respond to service interactions, communication styles, and engagement approaches across different regions. Global CX strategies that ignore cultural layers risk delivering a technically sound but emotionally flat experience, which is why regional adaptation matters as much as the tech stack powering the interaction.Hidden Fraud Detection Through BiometricsBeyond standard two-factor and three-factor authentication, financial services firms are now layering behavioral biometrics that track how a person physically handles their device during a transaction. Screen touch patterns, movement signatures, and Face ID verification create a composite identity profile that runs silently behind every interaction, catching anomalies that traditional password-based security would miss entirely.Meeting People Where They AreCross-functional leadership across global teams starts with something as simple as asking a new direct report which communication channel they prefer, whether that is Viber, WhatsApp, text, or another platform. That small signal of respect sets the tone for a people-first management approach where multiple perspectives are actively solicited, because the operating principle is that one brain is never as effective as seven or eight working together.Five Key Takeaways1️⃣ Bring Cross-Functional Teams To Every PilotSending one department to evaluate AI or data analytics tools is how pilots die quietly after 90 days. Get your operations lead, product owner, IT or data leader, and digital officer in the same room with one shared problem statement before you commit budget. That combination forces the real blockers to surface early, things like legacy system constraints, rule adjustments, and use case selection, so you can design around them instead of discovering them after you have already spent the money.2️⃣ Use Your Own Products Before SellingThe fastest way to understand a customer's pain is to become one. Before pitching a solution or onboarding a new client, find people inside your own organization who already use that client's product and pull them into the conversation. You will learn more about friction points, feature gaps, and real user behavior in one week of hands-on product use than in six months of reading market research decks.3️⃣ Arm...

Static strategic asset allocation no longer suffices in a world shaped by mega forces. Devan Nathwani, Portfolio Strategist at the BlackRock Investment Institute, explains why It's crucial to revisit key calls and focus on underlying economic drivers. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2026 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BII0226-5260467-EXP0227

From the archive: This episode was originally recorded and published in 2023. Our interviews on Entrepreneurs On Fire are meant to be evergreen, and we do our best to confirm that all offers and URL's in these archive episodes are still relevant. Rudy Mawer is a serial entrepreneur who's raised millions, ran billion $ brands, big celebrity marketing campaigns & helped over 40,000 people grow their companies online! Top 3 Value Bombs 1. The biggest thing most people miss in becoming successful is creativity. 2. Adapting and changing your thinking will help you reach your goals and succeed. 3. Anything is possible if you commit and put your mind to it. Learn more about Rudy, The Man In Red - TheRedLife.com Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Thrivetime Show - Make 2026 your best year yet! Start your transformation by attending the world's highest rated business growth workshop taught personally by Clay Clark, featuring Football Star and Entrepreneur, Tim Tebow, and President Trump's Son, Eric Trump, at ThrivetimeShow.com/eofire! QuickBooks Bill Pay - Helps you keep your business growing, while you stay in your zone of genius. Learn more at QuickBooks.com/billpay. Terms apply. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

What if your life insurance policy held hidden value you never knew existed?In this episode of Business Influencers, Rob Haynie shares insights from 32 years of leadership in the life settlement industry. From negotiating thousands of contracts to serving as Chairman of the Board of Life Insurance Settlement Association, his work has shaped the marketplace globally.Recently honored with the Alan H. Buerger Leadership Award and recognized among Finseca NAILBA's ID Twenty Award recipients, Rob explains how regulation, transparency, and innovation are transforming financial planning.Our host Chris Salem also explores his work with Forbes Councils and his podcast, Unlocking the Hidden Value of Your Life Insurance, the first show dedicated exclusively to life settlements.If you are a business owner, financial professional, or policyholder seeking clarity, this episode delivers strategic insight and real opportunity.Listen now and discover what might be hidden in plain sight.Guest: Rob Haynie Host: Chris Salem Sound: Mahesh R.Producer: Archita Puranik#FinancialStrategy #InsuranceProfessionals #LifeInsurance #WealthManagement #IndustryInsights #PodcastLaunch #BusinessGrowth

In this Greatest Hits episode of Advisor Talk, Frank LaRosa sits down with Cetera CEO Mike Durbin for a wide-ranging, candid conversation about ownership structure, affiliation flexibility, M&A strategy, custody decisions, and what it really means to build a “forever home” for advisors. From private equity misconceptions to succession solutions, this episode explores how advisors can think strategically - not reactively - about their long-term growth. Mike shares insights from his 35-year career working directly with financial advisors, including leadership roles at Morgan Stanley and Fidelity, and explains why he returned to the independent space to help shape the next decade of advisor evolution   You'll hear discussion around: • Why multi-custody and multi-clearing can be a strategic advantage. • How private equity ownership can create stability instead of short-term pressure. • The importance of affiliation flexibility as careers evolve. • Why succession solutions should exist inside a firm - not outside it. • How large firms can still create community and localized support. • What “growth support” really looks like beyond recruiting deals. • Why diversification of revenue matters in a changing rate environment. Rather than focusing solely on headline recruiting deals or advisor headcount, this episode centers on a more important theme: Are you aligned with a partner that helps you play offense - not just react to change? As Mike states, it has never been a better time to be in the wealth management business - but it is changing quickly.   If you're a financial advisor evaluating independence, succession, M&A, or long-term firm alignment, this Greatest Hits conversation offers perspective on how to think about scale, ownership, and growth in a dynamic industry. Chapters: 01:03 – Episode Intro 04:10 – Mike's Background 09:16 – Private Equity & Ownership 14:35 – Affiliation Flexibility 26:24 – Multi-Custody Strategy 32:30 – M&A & Consolidation 37:31 – Scale vs Community 40:06 – Recruiting Economics 44:00 – Growth & Marketing Support 50:26 – Playing Offense Learn more about Elite and our resources: Elite Consulting Partners | Financial Advisor Transitions https://eliteconsultingpartners.com Elite Marketing Concepts | Marketing Services for Financial Advisors https://elitemarketingconcepts.com Elite Advisor Successions | Advisor Mergers & Acquisitions https://eliteadvisorsuccessions.com JEDI Database Solutions | Technology Solutions for Advisors https://jedidatabasesolutions.com Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

If you're trying to scale your advisory firm, there's a stage where things start to feel harder than they should. Everyone's busy. Communication gets messy. You're still producing, but you're also trying to lead a team that needs clarity, feedback, and direction.In this episode, I'm joined by Triad's Member Culture Coach, Kenzie Olejnik. Kenzie joined Triad in April of 2022, when we were right in the middle of the chaos as a new company. She helped us turn good intentions into an intentional culture built on clarity, communication, and shared language. You'll hear Kenzie talk about the simple culture moves that actually matter, how to onboard people in a way that builds trust and excitement quickly, and why you can't treat your team like an afterthought if you want clients to have a great experience in every interaction.3 of the biggest insights from Kenzie Olejnik…#1.) Clarity and Communication Fix More Than You ThinkKenzie breaks down why most culture problems aren't “people problems.” They're clarity problems in terms of who owns what, how decisions get made, and how teams communicate when things move fast.#2.) Treat Your Team Like Your Best ClientsFrom onboarding touchpoints to celebrating wins consistently, Kenzie explains how removing friction and making people feel seen creates a culture that scales and protects the client experience.#3.) The Shared Language That Holds the Line and Fosters AccountabilityWe get into why words like “family” can quietly undermine accountability, and how Triad built a shared language that made expectations clear and culture self-sustaining.FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: The Enneagram Cheat SheetDownload here: https://bradleyjohnson.com/157SHOW NOTEShttps://bradleyjohnson.com/157FOLLOW BRAD JOHNSON ON SOCIALTwitterInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP02265233532See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What separates organizations that pass audits from those that survive real incidents? In this episode of The Segment, host Raghu Nandakumara sits down with Phil Park, global cybersecurity and risk leader at IBM. With more than 25 years advising financial institutions across the U.S., Europe, and Asia-Pacific, Phil brings a practical perspective on how supervision is rapidly evolving from compliance checklists to real-world operational readiness. Together, Raghu and Phil unpack the industry's biggest mindset shift: regulators no longer ask “Are you protected?” — they ask “Can you operate through disruption?” They explore why prevention alone is no longer enough, why containment and recovery now define security maturity, and how CISOs are moving from siloed operators to enterprise-wide risk leaders accountable to boards and regulators alike. The conversation also dives into: Why regulators evaluate response quality rather than technical perfection   How organizations are turning tabletop exercises into realistic resilience testing   The growing pressure created by third-party and supply-chain dependencies   Why evidence and outcomes matter more than policies and frameworks   How overlapping reporting requirements are reshaping incident response playbooks   The double-edged role of AI in both defense and attack, including deepfake risks   Why security fundamentals matter even more in the AI era   This episode is a must-listen for security leaders and executives navigating a world where passing the audit is no longer the goal — proving you can withstand disruption is. Also, if you're attending FSISAC, join Illumio, IBM, and Palo Alto Networks for an exclusive dinner at Capital Grille! Save your seat here: https://lp.illumio.com/20260302-Steak-And-Security-Dinner.html?utm_medium=email&utm_source=marketo

Chief Financial Service Officer discusses how ZIIDI Trader is Empowering Investors In Kenya. by Capital FM

Explore how fintech and AI expand access to personalized financial guidance, regardless of wealth level, and why human connection is vital in the age of AI with Connective CEO Ian Rosen. 00:00 Introduction 02:49 The Gaps in Financial Education and Advisory Services 09:08 Building Trust in Financial Services 13:03 Addressing Financial Anxiety and Health 14:37 The Journey to Founding Connective 23:08 The Future of Human Connection in Wealth Management 31:36 The Ripple Effect of Financial Support 32:31 The Need for Financial Professionals 42:24 Trend or Fad?

Markets are laser-focused on the AI buildout, but opportunities shaped by other mega forces abound. Roelof Salomons, Portfolio Strategist at the BlackRock Investment Institute, explains how fiscal expansion tied to geopolitical fragmentation in Japan and Europe is creating new return drivers.General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2026 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BII0226-5236911-EXP0227

In this episode of Advisor Talk, Frank LaRosa and Stacey Frank break down the realities behind minority equity deals in advisory practices - including what advisors often misunderstand about control, exit clauses, valuation multiples, and long-term implications.Frank explains why even a 10–20% minority stake effectively creates a partner in your business - whether you think of it that way or not - and why advisors must think beyond the upfront check and consider the unwind scenario before signing anything.They also explain the difference between taking a transition loan versus selling equity - and why one is far easier to reverse if things don't go as planned.Key questions explored in this episode:What does selling a minority stake actually mean for control?Even at 10–20%, you now have a financial partner whose incentives may influence hiring, spending, technology, and growth strategy.Is there usually an exit clause?In many cases, especially with smaller RIAs, there may be little to no unwind option. Larger firms may offer buyback terms — but often at a higher multiple if you've grown.Why are broker-dealers offering these deals now?Firms are looking to accelerate growth beyond the industry's typical 5% net new asset growth rate and to retain advisors long term.If you're a financial advisor considering selling 10–30% of your practice - or being approached with a “sell and stay” offer - this episode will help you think through the long-term consequences before you sign.Chapters:01:06 – Episode Intro03:12 – Advisor Concerns04:45 – Revenue vs Profit Share06:02 – You Now Have a Partner06:59 – Exit Clauses Explained10:16 – Control & Fees14:09 – Growth Expectations18:25 – Why Firms Invest25:28 – Don't Decide on MoneyLearn more about Elite and our resources:Elite Consulting Partners | Financial Advisor Transitionshttps://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisorshttps://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers & Acquisitionshttps://eliteadvisorsuccessions.comJEDI Database Solutions | Technology Solutions for Advisorshttps://jedidatabasesolutions.comListen to more Advisor Talk episodes:https://eliteconsultingpartners.com/podcasts/

Guest: Rick Joyner Follow/ Contact : YouTube/ IG/Fb ​⁠ —-Creative Writer, Director, ProducerProgram Director/Music Director – Atlanta, GA – St.Louis, MO – Nashville, TN – Jackson, TN – Tupelo, MSLive Events —Some honors include induction into the National Broadcasters Hall of Fame, as well as recipient of the Favorite Network Personality of the Year award four consecutive years. Additionally, in 2013, he was recipient of the REACH AWARD for "Listener's Choice", presented by Central SouthDistribution. —The Rick Joyner Foundation. This non- profit 501(c) (3) organization focuses on providing assistance to single-parent families and under-privileged children, as well as providing resources for those addicted to drugs and alcohol so thatthey may obtain the proper help. —Over the years, Joyner has become well versed in the Financial Services arena as well. His newfound passion for educating people on how money really works allows him the opportunity to empower individuals and their families,thus creating Generational Wealth .----Live Chat with Us Every week... -----Music: Audio Podcast : by Daniel Howse : https://www.youtube.com/professorsoramusic ** OneMicNite Theme Song , "Chance" & Background Songs "Kanye" , "Straight Vibing"Host:--Contact/ Follow Marcos on IG/Fb/IMdb/Twitter/TikTok: @MarcosLuis —Show: OneMicNite Podcast with Marcos Luis *Contact/Follow: IG/Fb/Twitter/Tumbler/LinkedIn/Youtube/TikTok @OneMicNite www.OneMicnite.com - - ** Listen to Audio Podcast: Available wherever you download , all digital platforms.. ** Support Us Now: Give "Stars" on Facebook ---Follow/Contact -- The Show: All Social Media Fb/Ig/Twitter/Tumbler/TikTok/ *** watch the episodes on Youtube @OneMicNite & www.OneMicNite.com****Please Support this Podcast: PayPal/ Zell Pay: MarcosStarActor@gmail.com Venmo @ Marcoso-Luis-1 CashApp : $MarcosLuis1 Please Visit:Nutrops 6 different organic mushrooms too support immune system, cognition,energy and stamina.—use This Code for 20% OFF Now!! Here: https://www.nutrops.com/MARCOS86520

I've been working with advisors for many years, and I've seen this pattern play out over and over again. Advisors get to a point where their marketing and selling are on point, but as they start to scale, that growth has a way of exposing cracks in the foundation.In this episode, I'm breaking down the most overlooked role inside growing advisory firms: operations. I'll explain why most advisors procrastinate on developing their ops department, how the best operations leaders evolve as you scale, and why doing more of what worked early on as a small team eventually stops working.If you've ever left the office at the end of the day thinking, " Why does this business feel like a prison,” this episode will give you the framework to step out of the chaos, create leverage, and build a firm that fulfills the promises you make—without having everything in the business flow across your desk.3 of the biggest insights from Brad Johnson…#1.) Operations Is the Missing Role in Most Growing FirmsMost advisors don't hit a growth ceiling because of marketing or sales. They stall because the execution of their operations stops working. Without a clear operations leader, the founder becomes the bottleneck and the team gets stuck.#2.) Ops Is Not a Side Project—It Evolves as You ScaleWhat worked as a team of five eventually breaks at fifteen, forty, or seventy-five. Your operations must evolve from task-based delegation into true responsibility, structure, and division leadership as firms grow.#3.) Great Operations Drive Referrals Better Than Any SystemThe most referral-rich firms don't rely on scripts or programs. They remove friction, create remarkable client experiences, and let execution do the selling.SHOW NOTEShttps://bradleyjohnson.com/156FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to The Daily Wrap Up, an in-depth investigatory show dedicated to bringing you the most relevant independent news, as we see it, from the last 24 hours (2/18/26). As always, take the information discussed in the video below and research it for yourself, and come to your own conclusions. Anyone telling you what the truth is, or claiming they have the answer, is likely leading you astray, for one reason or another. Stay Vigilant. !function(r,u,m,b,l,e){r._Rumble=b,r[b]||(r[b]=function(){(r[b]._=r[b]._||[]).push(arguments);if(r[b]._.length==1){l=u.createElement(m),e=u.getElementsByTagName(m)[0],l.async=1,l.src="https://rumble.com/embedJS/u2q643"+(arguments[1].video?'.'+arguments[1].video:'')+"/?url="+encodeURIComponent(location.href)+"&args="+encodeURIComponent(JSON.stringify([].slice.apply(arguments))),e.parentNode.insertBefore(l,e)}})}(window, document, "script", "Rumble");   Rumble("play", {"video":"v73rjxu","div":"rumble_v73rjxu"}); Video Source Links (In Chronological Order): The Empire Above Epstein & The Tightening Grip Of Its Enforcement Arm (10) The Last American Vagabond on X: "This should have been at the end of my show today. Would have perfectly tied it together: https://t.co/dit2hgoxGk "The Empire Above Epstein & The Tightening Grip Of Its Enforcement Arm"" / X The Empire Above Epstein (10) Jay Anderson on X: ""They have figured out their world is an illusion, their perception is engineered, their leaders are puppets, their entertainment is a distraction, their labour is meaningless, but will they do anything about it?" https://t.co/IaCjKPnxAK" / X New Tab (10) Jeff Carlson on X: "We have a government. But it's not ours." / X (10) Shadow of Ezra on X: "Tucker Carlson said he and his staff were detained in Israel following an interview with Mike Huckabee. Israeli officials confiscated his passport and took his executive producer to an interrogation room. The officials demanded to know what they spoke to Mike Huckabee about. https://t.co/HDV1jNAynz" / X (10) Dominic Michael Tripi on X: "NEW: Trump told Tucker Carlson to “turn down the temperature” on GOP rift over Israel, Carlson now currently visiting Israel, per the Jerusalem Post." / X Donald Trump behind Tucker Carlson's Israel visit to make amends | The Jerusalem Post (12) DD Geopolitics on X: "The USA is so fucking depraved the President's son is taking an ISRAELI company public that advertises 'low cost-per kill.' You do not hate these people enough. https://t.co/vGO4a9UDS0" / X Backed by Trump's son, Israeli-founded AI drone startup plans to go public on Nasdaq | The Times of Israel Charlie Kirk refused Netanyahu funding offer, was ‘frightened' by pro-Israel forces before death, friend reveals - The Grayzone Trump received morbid gift from Israel's Prime Minister during White House visit | The Independent Israel accused of planting mysterious spy devices near the White House - POLITICO (12) Ron Paul on X: "Why is a U.S. Senator from South Carolina going to Israel "every 2 weeks"? Lindsey Graham said in a speech (from Israel) that if Iran ends up hitting U.S. troops in the region ... it's worth the risk of attempting regime change. https://t.co/ufr8lwWUFR" / X New Tab Les Wexner's Very Bad Week: Billionaire Forced to Testify About Epstein and OSU Sexual Abuse Scandal (12) The Last American Vagabond on X: "Rep Dave Min claims not a single Republican showed up for the deposition of Les Wexner to today. https://t.co/55uAj4YomT" / X (14) The Last American Vagabond on X: "Maybe Jordan is trying to draw attention away from his involvement with the Les Wexner deposition today: https://t.co/86EHhRZxyj" / X New Tab (14) Art Vandelay on X: "Nancy follows me, so maybe she'll see this... I am asking politely for our elected officials to stop this madness. It's over. MAGA influencers lied to their audience for years about this crap. And then, MAGA friendly politicians like Nancy Mace, took the cheese, just like" / X (14) Harrison H. Smith ✞ on X: "Here's the weird thing about this... Trump is not in the Epstein files like they are insinuating. There are a bunch of ridiculous and disproved "allegations," but nothing of substance. HOWEVER, people close to Trump like Howard Lutnick ARE implicated throughout the files. So" / X (14) Clayton Morris on X: "This is actually real. I had to read it twice. So you're saying @RepThomasMassie calling for the release of the Epstein Files is preventing the DOJ from going after criminals? Meaning there are no criminals in the Epstein Files? Murderers, cannibals, sex traffickers, child" / X New Tab (18) Jeff Carlson on X: "Remember when the DOJ and FBI tried to convince us there was no client list, no persons of interest, told us Epstein killed himself and tried to pronounce the entire Epstein Case closed? None of these people & institutions are worthy of our trust." / X (14) John Achterhof on X: "@krystalball https://t.co/52NxGHdSYG" / X (14) Brian Allen on X: "

Roma Pithadiya is the President and Chief Executive Officer of Affordable Insurance and Financial Services (AIFS), a financial services and insurance advisory firm based in the Dallas–Fort Worth area of Texas. She is a seasoned financial professional and entrepreneur with extensive experience in insurance, financial planning, and wealth protection.Roma immigrated to the United States with limited resources and has built her career from the ground up, becoming a respected advisor to individuals, families, and small businesses in matters of health insurance, life insurance, auto and home protection, and long-term financial planning. She has been active in the financial services industry for well over a decade and is known for her deep commitment to client education and advocacy.She is also recognized as a Million Dollar Immigrant, a title reflecting her journey from starting penniless in the U.S. to achieving significant success in the insurance and financial advisory business.In addition to her executive role, Roma engages heavily in community service: she is active with the Lions Club, participates in senior citizen organizations, and serves on committees for cultural and religious groups. She frequently speaks on financial literacy and planning topics at national stages, including events hosted by CNN, the Harvard Club of Boston, New York Life, Nasdaq, and the MDRT (Million Dollar Round Table).Her expertise spans health insurance (including Medicare and individual policies), life and annuity products, retirement planning, and strategies for tax-efficient financial growth. Roma also works to empower clients to manage their finances wisely and protect their financial futures with well-structured, personalized solutions.Learn more: https://aifsgroupbyroma.com/Roma Pithadiya is not an attorney or CPA. Affordable Insurance and Financial Services does not provide legal or tax advice. Any discussion of financial strategies is general in nature and not a recommendation. Insurance and financial products involve risk and may not be suitable for all individuals. Licensing and availability vary by state.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/roma-pithadiya-president-and-ceo-of-affordable-insurance-and-financial-services-discussing-managing-risk-in-retirement

In this episode of Advisor Talk, Frank LaRosa and Stacey Frank take a grounded, advisor-first look at how AI is actually changing the profession - and why the future of advice is still fundamentally human.Rather than fearing AI, Frank explains why this moment closely mirrors the rise of online trading in the early 2000s - a shift that many believed would eliminate advisors, but ultimately made great advisors even more valuable.This conversation centers on a critical idea:Technology can provide data. Only humans can provide wisdom.Frank and Stacey break down how AI can enhance efficiency, buy back time, and improve service - while also exposing advisors who rely solely on technology without building real client relationships.They also introduce the concept of co-intelligence - where advisors use AI as a tool, not a replacement  and explain why empathy, clarity, and human judgment remain the true differentiators in financial advice.Key questions explored in this episode:Will AI put financial advisors out of business?No. But it will challenge advisors who lack a strong service model or meaningful client relationships.Why doesn't AI replace the advisor-client relationship?Because clients don't hire advisors for calculations - they hire them for clarity, reassurance, and guidance through uncertainty.How should advisors be using AI today?As a way to remove friction, automate tasks, and free up time to focus on deeper client conversations and better service.What is “co-intelligence”?A mindset where AI delivers information, while advisors provide judgment, empathy, and leadership.What happens to advisors who ignore AI altogether?They risk falling behind firms that use technology to become more efficient - and more human - at the same time.If you're a financial advisor wondering how AI fits into your practice - or worried about what it means for your future - this episode offers perspective, clarity, and a practical way forward.Chapters:00:49 – Intro02:55 – Online Trading Parallel04:40 – AI Fear05:30 – Human Advice08:47 – Co-Intelligence10:46 – Clarity vs Calculators12:58 – Human Advantage16:25 – Service WinsLearn more about Elite and our resources:Elite Consulting Partners | Financial Advisor Transitionshttps://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisorshttps://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers & Acquisitionshttps://eliteadvisorsuccessions.comJEDI Database Solutions | Technology Solutions for Advisorshttps://jedidatabasesolutions.comListen to more Advisor Talk episodes:https://eliteconsultingpartners.com/podcasts/

I've worked with hundreds of top financial advisors over the years, and I keep seeing the same problem show up in different ways: incredibly talented advisors with empty calendars.The issue usually isn't effort. It's how marketing decisions are made. Too often, advisors run their marketing on emotion instead of math. In this episode, I break down the exact marketing framework I've shared with some of the fastest-growing firms in the country. We walk through how to evaluate marketing like an investment, not an expense. Why ROI and high frequency matters. And how shifting from one-to-one to one-to-many marketing creates leverage that allows you to scale beyond yourself.If you want a calendar that stays full without grinding harder, this episode gives you the mental model to build it intentionally—and scale it sustainably.3 of the biggest insights from Brad Johnson…#1.) Marketing Must Be Driven by Math, Not EmotionAdvisors often abandon proven strategies after one bad experience. When you understand the true numbers behind your funnels, you stop guessing and start investing with confidence.#2.) Frequency Is Just as Important as ROIA high-ROI strategy that runs only a few times per year can't scale your business alone. The best growth comes from balancing return and how often you can turn the volume up.#3.) One-to-Many Is the Ultimate Growth LeverThe most scalable advisory firms don't rely on one-to-one outreach. They use seminars, events, and content to serve many people at once—without sacrificing quality.SHOW NOTEShttps://bradleyjohnson.com/155FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Our Chief LatAm Equity Strategist Nikolaj Lippmann discusses why Latin America may be approaching a rare “Spring” moment – where geopolitics, peaking rates, and elections set the scene for an investment-led growth cycle with meaningful market upside.Read more insights from Morgan Stanley.----- Transcript -----Nikolaj Lippmann: Welcome to Thoughts on the Market. I'm Nikolaj Lippmann, Morgan Stanley's Chief Latin America Equity Strategist. If you ever felt like Latin America is too complicated to follow, today's episode is for you. It's Monday, February 9th at 10am in New York. The big idea in our research is simple. Latin America is facing a trifecta of change that could set up a very different investment story from what investors have gotten used to. We could be moving towards an investment or CapEx cycle in the shadow of the global AI CapEx cycle, and this is a stark departure from prior consumer cycles in Latin America. Latin America's GDP today is about $6 trillion. Yet Latin American equities account for just about 80 basis points of the main global index MSCI All Country World Equity benchmark. In plain English, it's really easy for investors to overlook such a vast region. But the narrative seems to be changing thanks to three key factors. Number one, shifting geopolitics in this increasingly global multipolar world. We can see this with trade rules, security priorities, supply chains that are getting rewritten. Capital and investment will often move alongside with these changing rules. Clearly, as we can all see U.S. priorities in Latin America have shifted, and with them have local priorities and incentives. Second, interest rates may very well have been peaking and could decline into [20]26. When borrowing cost fall, it just becomes easier to fund factories, infrastructure, AI, and expansion into all kinds of different investment, which become more feasible. What is more, we see a big shift in the size and growth of domestic capital markets in almost every country in Latin America – something that happens courtesy of reform and is certainly new versus prior cycles. And finally, elections that could lead to an important policy shift across Latin America. We see signs of movement towards greater fiscal responsibility in many sites of the region, with upcoming elections in Colombia and Brazil. We have already seen new policy makers in Argentina, Chile, Mexico, depart from prior populism. So, when we put all this together -- geopolitics, rates and local election -- you get to the core of our thesis, a possible LatAm spring; meaning a decisive break from the status quo towards fiscal consolidation, monetary easing, and structural reform. And we think that that could be a potential move that restores some confidence and attracts private capital. In our spring scenario, we see interest rates coming down, not rising in a scenario of higher growth to 6 percent in Brazil and Mexico, 7 percent in Argentina, and just 4 percent in Chile. This helps the rerating of the region. There's another powerful factor that I think many investors overlook, and that is a key difference versus prior cycles, as already mentioned. And that's the domestic savings. Local portfolios today are much bigger, much deeper capital markets, and they're heavily skewed towards fixed income. 75 percent of Latin American portfolios are in fixed income versus 25 percent in equity. In Brazil, the number's even higher with 90 to 95 percent in fixed income. If this shifts even halfway towards equity, it can deepen and support local capital markets; it supports valuation. For the region as a whole, sectors most impacted by this transformation would be Financial Services, Energy, Utilities, IT and Healthcare. Up until now, I think Latin America has been viewed as a region where a lot could go wrong. We asked the reverse question. What could go right? If the trifecta lines up: geopolitics, peaking rates and elections that enable a more investment friendly policy and CapEx cycle, Latin America could shift from being seen mainly as a supply of commodities and labor to far more investment driven engine of growth. That's why investors should put Latin America on the radar now and not wait until spring is already in full bloom. Thanks for listening. If you enjoy the show, please leave us a review wherever you listen to the podcast and share Thoughts on the Market with a friend or colleague today.