Podcasts about Financial services

Together, they explore practical decision points advisors should consider:• The real implications of the $100M AUM threshold and the trade-offs between state and SEC registration• When it may make sense to stay with an independent broker-dealer - especially if more than 20% of your revenue is still commission-based• Why some RIAs are now “breaking away again” and rolling into larger platforms or supported-independence models• The emotional and operational realities of dropping a Series 7, and how that can change your flexibility with media, branding, and marketingChuck also opens up about Sovereign's “three doors” approach - including “Sovereign as a Service” - and how advisors can use incubation-style models to learn the RIA world before fully standing up their own firm. Frank underscores a central theme: there's no universally “right” answer, only informed vs. uninformed decisions.Resources:Chuck's LinkedIn: www.linkedin.com/in/charlesfailla  Chuck's Websites: www.sovereignadvisorsolutions.com | www.goria.com  Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

As a coach to independent financial advisors, I see a lot of advisors struggling with the same issue—they blend in with the advisor down the street. And when prospects can't see what makes you unique, it becomes a lot harder for them to understand why they should choose you over anyone else.That's why I loved today's conversation with Glenn Street. Glenn built one of the most differentiated businesses I've ever seen—Street Characters, the company behind many of the most iconic mascots in the NFL, NHL, MLB, and major college sports. But the real lesson from this episode isn't about mascots. It's about how he picked a niche, went deep, and created a level of expertise and service that big competitors couldn't match.Glenn didn't try to be everything to everyone. He focused on a narrow lane, understood his customers better than anyone else, and delivered a product and experience no one else in his space could touch. Advisors can do the exact same thing—especially in a market where most firms look and sound identical. When you specialize with intention, understand your audience on a deeper level, and build a brand that feels unmistakably yours, you become the advisor people talk about, remember, and seek out.3 of the biggest insights from Glenn Street…#1.) Niching Down in a Commoditized IndustryOne of the things I loved about Glenn's story is how he didn't try to compete with the Disneys of the world. He found a narrow lane—sports mascots—and went deeper than anyone else. That's exactly what most advisors need today. When you pick a niche and truly understand the people you serve, you stop blending in and start becoming the advisor everyone talks about.#2.) Core Values Don't Matter Unless You Actually Live ThemA lot of firms have core values, but very few bring them to life the way Glenn does. His team starts and ends their day with them. They use them to make decisions, solve problems, and hold each other accountable. It's a simple reminder that culture isn't something you write, it's something you practice.#3.) The Right Incentives Turn Good Teams Into Great OnesGlenn has built a culture where A-player behavior is recognized and rewarded—whether that's through peer shoutouts, clear performance targets, or a team trip to Mexico when they hit their goals. These aren't random perks; they're intentional systems that reinforce what “great” looks like. SHOW NOTEShttps://bradleyjohnson.com/146FOLLOW 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. TP11254981386See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today's episode features Part 2 of our October 30, 2025 webinar, "AI in Financial Services: Understanding the White House Action Plan – and What It Leaves Out." In this installment, our panel dives deeper into the evolving intersection of artificial intelligence, regulation, and innovation in financial services. Moderated by Alan Kaplinsky, Senior Counsel, founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group, and Greg Szewczyk, chair of the firm's Privacy and Data Security Group, the discussion cuts through hype and uncertainty to provide clear, practical insights. Alan and Greg lead a lively discussion exploring the practical and policy-driven challenges posed by AI, particularly how existing legal frameworks often struggle to keep pace with rapid technological advancement. Our panel includes: Charley Brown, leader of Ballard Spahr's technology and patents teams, who explains how institutions can protect and capitalize on AI-enabled technologies; Dean Ball, former White House senior advisor and one of the architects of the White House AI Action Plan, who provides a rare inside look at the policy landscape; Kristian Stout, Director of Innovation Policy at the International Center for Law and Economics, who examines the intersections of AI, regulation, and competition; and Charlie Bullock, Senior Research Fellow at the Institute for Law and AI, who outlines practical frameworks for responsible, compliant AI governance. Throughout the episode, the panel addresses crucial topics including privacy challenges, explainability requirements for AI-driven decisions, and the potential for AI to level the playing field for smaller institutions. Whether you're in the C-suite, a compliance officer, or simply interested in how Washington's decisions shape the future of finance, this episode delivers a clear-eyed look at what the White House action plan covers and what crucial issues still need attention. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr and founder of the firm's Consumer Financial Services Group. We encourage listeners to subscribe on their preferred podcast platform for weekly insights into the consumer finance industry.

Luka Anic is a Croatian-American co-founder of Fox plus Spindle, an AI transformation consultancy. He maps out AI capabilities, trains the humans, and makes sure nobody breaks anything too much. Top 3 Value Bombs 1. AI isn't a shortcut; it's a skill set. Learning AI means learning how to think differently, not just faster. 2. True innovation requires curiosity. The biggest mistake companies make is trying to apply AI to old processes instead of using it to create new ones. 3. Entrepreneurship starts with authenticity. Real success is enjoying the work you do every day not just the money you make. Check out Luka's website - Fox and Spindle Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Freedom Circle - A powerful community of entrepreneurs led by JLD. Are you ready to go from idea to income in 90-days? Visit Freedom-Circle.com to learn more. Intuit QuickBooks - Transform your cash flow and your business. Check out QuickBooks Money Tools today. Learn more at QuickBooks.com/money. 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.

From the archive: This episode was originally recorded and published in 2021. 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. Motivational Speaker and Bestselling Author Kevin Brown is the creator of The Hero Effect, a simple philosophy that separates world-class organizations and high-performance people from everybody else. Top 3 Value Bombs 1. Most of us are unwilling to call ourselves heroes because of humility. The truth is, being a hero doesn't involve doing big things. It's about doing everything you do in a way that serves other people - and to take the storyline and stop accepting what the world is trying to give you. 2. Don't play victim. Don't live in the past. Don't setup camp on where you've been. Focus on where you're going. That's when you can release your gifts to the world. 3. Nobody on this planet was put here to be ordinary. We are created with talents and abilities as unique as our fingerprints. We were put here to use those gifts in service of others. Heroes are Extraordinary People Who Choose Not to Be Ordinary - The Hero Effect Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Intuit QuickBooks - Transform your cash flow and your business. Check out QuickBooks Money Tools today. Learn more at QuickBooks.com/money. 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. Bit IRA - Now might be a great time to convert your IRA or 401(k) to Bitcoin with the help of BitIRA. Go to BitIRA.com/JLD.

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. Tom Scarda was able to semi-retire with his first franchise, then failed miserably in his second. His lessons learned from failure are what make him such an inspiration. Top 3 Value Bombs 1. Whatever you choose, your choices always come down to uncertainty, and unhappiness. Choose uncertainty. 2. There's no way to get past fear. The only way is to embrace it and understand the ramifications. 3. Don't get into something that has zero market unless you have lots of money and lots of time. Get into something where there's a niche, but not something that has never been done before. Is franchising right for you - The Franchise Academy Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Intuit QuickBooks - Transform your cash flow and your business. Check out QuickBooks Money Tools today. Learn more at QuickBooks.com/money. 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. Bit IRA - Now might be a great time to convert your IRA or 401(k) to Bitcoin with the help of BitIRA. Go to BitIRA.com/JLD.

Frank and Jon unpack:• Why today's competitive landscape means growth-motivated buyers must approach deals differently.• The three core reasons advisors pursue acquisitions - and which ones actually lead to long-term success.• How leverage, bank financing, and EBITDA-based lending really work in practice.• Why “fixer-upper” books may offer the strongest ROI.• How elite buyers win deals by understanding the emotional side of selling a practice.• The art of creating a safe landing place for sellers, their teams, and their clients.• Why phased buyouts and seller glide paths often create better retention and better economics for everyone.Jon also shares numbers, structures, and stories that demystify the math behind buying a practice - and the mindset required to scale from practitioner to true enterprise builder.If you're a buyer, seller, or advisor considering M&A in any form, this episode is a blueprint you can't afford to miss.Resources:Jon Kuttin's LinkedIn: www.linkedin.com/in/jonathankuttin  Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

Today's episode features Part 1 of our October 30, 2025 webinar, "AI in Financial Services: Understanding the White House Action Plan – and What It Leaves Out." In this installment, a panel of leading experts breaks down the rapidly evolving role of artificial intelligence in financial services—from foundational concepts to the latest regulatory developments. Moderated by Alan Kaplinsky, Senior Counsel,  founder and former longtime leader of Ballard Spahr's Consumer Financial Services Group, and Greg Szewczyk, chair of the firm's Privacy and Data Security Group, the discussion cuts through hype and uncertainty to provide clear, practical insights. Alan and Greg guide an energetic conversation about how AI has become a strategic priority for banks, credit unions, payments companies, and fintechs. Our panel includes: Charley Brown, leader of Ballard Spahr's technology and patents teams, who explains how institutions can protect and capitalize on AI-enabled technologies; Dean Ball, former White House senior advisor and one of the architects of the White House AI Action Plan, who provides a rare inside look at the policy landscape; Kristian Stout, Director of Innovation Policy at the International Center for Law and Economics, who examines the intersections of AI, regulation, and competition; and Charlie Bullock, Senior Research Fellow at the Institute for Law and AI, who outlines practical frameworks for responsible, compliant AI governance. Together, they unpack the complex patchwork of state, federal, and international rules now shaping AI deployment in financial services. The discussion highlights how automated decision-making laws, privacy requirements, and emerging definitions of "artificial intelligence" are forcing institutions to rethink compliance programs, manage risk differently, and anticipate new regulatory expectations. You'll also hear real-world examples of how organizations are grappling with these challenges in practice. This episode provides an essential foundation for understanding where AI and financial services intersect, and where the regulatory environment is headed. Be sure to tune in next Thursday for Part 2, where our experts delve even deeper into the future of AI, innovation, and legal risk in the financial sector. Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr and founder of the firm's Consumer Financial Services Group. We encourage listeners to subscribe on their preferred podcast platform for weekly insights into the consumer finance industry.

Pete Turek — a TransUnion® SVP responsible for overseeing relationships with more than 120 of the nation's leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report. The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z's rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown. Looking ahead, the group examines how tax season, student loan offsets and macroeconomic factors could shape consumer credit performance in early 2026. For lenders and risk professionals, this episode offers a clear, data-driven view of where consumer credit stands — and what's next. 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.

Time to expand our horizons next week! Let's goglobal, with an Incredible Global Leader!Please join us on Episode 573 of …✨ Marketing with Russ…aka #RussSelfieDecember 1, Monday, 8am PacificFeaturing Terry Seitz Introducing Terry, a visionary Chief Marketing Officer andGlobal Brand & Growth Leader. Expert in boosting revenue, spearheading digital transformation, and enhancing customer loyalty across Financial Services, Technology, Media, and Consumer Products. Terry also serves as a Board Advisor and dynamic speaker.

Sheldon Kimber is CEO and Founder of Intersect, a provider of power solutions to the industries of tomorrow. In his prior role as COO of Recurrent Energy, he led the company's development, origination, EPC, and operations activities globally and helped lead its expansion from a five person start-up to a leading, utility-scale developer, eventually delivering 2GW of COD. Sheldon joined Recurrent Energy in 2007 having previously worked at Calpine, Goldman Sachs, and Accenture. He holds a BA from Kenyon College and an MBA from UC Berkeley Haas School of Business, where he taught project finance for almost 10 years. Top 3 Value Bombs 1. Choose investors for alignment, not valuation. The right partners share your vision and support your governance. 2. Curiosity drives innovation. A culture of 'why not?' opens new pathways to scale and resilience. 3. Earn your edge through experience. Success comes from putting in the reps, learning the system, and then building something better. Check out the website to find Sheldon's blog and contact info. They are hiring across multiple roles - Intersect Sponsors HighLevel - The ultimate all-in-one platform for entrepreneurs, marketers, coaches, and agencies. Learn more at HighLevelFire.com. Intuit QuickBooks - Transform your cash flow and your business. Check out QuickBooks Money Tools today. Learn more at QuickBooks.com/money. 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.  

A new House report confirms the Biden Administration's coordinated, extralegal "Operation Chokepoint 2.0" to debank the crypto industry. We review the timeline & confirmed shadow debanking conspiracies We discuss the bombshell report from the House Committee on Financial Services that confirms the existence of **Operation Chokepoint 2.0**—a coordinated, extralegal effort by the Biden Administration to push the crypto industry out of the US banking system. Review Nic Carter's original exposes, how the "conspiracy" became formal documentation, and the shift from an existential threat to a clearer path for conducting business in the United States. We also discuss the political "reckoning" ahead for the industry's single-issue campaign spending. Subscribe to the newsletter! https://newsletter.blockspacemedia.com **Notes:** * House report confirms debanking conspiracy. * Extralegal effort to cut crypto banking. * Nick Carter published OCP 2.0 exposes. * Existential risk to US crypto is not near-term. * Crypto actively supported Trump's campaign. * "Single issue PAC" raised biggest money ever. Timestamps: 00:00 Start 01:25 Chokepoint 1.0 04:08 Regulation as maze 07:14 FDIC letter 11:06 Charlie gets de-banked 13:12 Fed letter SR226 -

Advisors everywhere are feeling the pressure to scale, hire, and prepare for a wave of retirements that will reshape the industry. At the same time, firms are struggling to attract women, keep next-gen advisors engaged, and build teams that actually create freedom instead of more work.That's why I wanted to bring Lindsey Lewis on the show. After building a $200M book in her first year at Vanguard, Lindsey shifted her career toward research at The American College so she could help the profession fix its biggest blind spots—especially around women in finance, advisor retention, and the future talent pipeline.We dig into the data shaping the next decade of financial services: what women uniquely bring to advisory firms, why Gen Z is more interested in this profession than any generation before them, and how training, compensation, and career clarity determine whether young advisors stay or disappear.4 of the biggest insights from Lindsey …#1.) The Biggest Talent Gap in Advisor HistoryWe're staring down a generational shift in this profession. Tens of thousands of advisors are aging out. And when you run the math, the industry would need to hire over a million new people just to meet today's demand. Lindsey walks through the data behind this massive workforce gap and why the firms who build real training, career paths, and development now will be miles ahead of everyone else over the next decade.#2.) Women Advisors Are a Huge Missed OpportunityThe numbers don't lie: women make up 25% of CFPs… but only a small fraction are in sales/growth positions. And it's not a talent issue, it's how the industry has shaped roles, pay structures, and expectations over time. Lindsey breaks down why women often outperform in retention, personalization, referrals, and relationship depth, yet get pushed into service tracks or stay risk-averse because of cultural narratives, confidence gaps, or biases inside firms. The upside for the firms who fix this is enormous. Women represent one of the biggest untapped growth engines in financial services.#3.) Gen Z Wants In, But Poor Onboarding Pushes Them OutHere's the part no one expects: financial services is now Gen Z's top-preferred industry over tech and medicine. But at the same time, 1 in 4 early-career advisors say their onboarding wasn't effective — and those are the same people who leave within seven years. Lindsey lays out exactly what this generation needs to stay: mentorship, sponsorship, clear career paths, ongoing education, and roles that evolve with their confidence. If you want a talent pipeline that sticks, it starts with the first 12–18 months.#4.) Compensation Makes or Breaks Your TeamComp plans aren't just about money, they're about psychology. Young advisors need stability before they're ready to take on variable comp. Others crave upside and hate the idea of a flat salary. Lindsey explains the difference between income risk tolerance and income risk capacity, and why misalignment between the person and the pay structure is one of the biggest drivers of turnover. When firms get comp wrong, they churn through talent. When they get it right, people stay, grow, and eventually step into the very roles the industry is desperate to fill. SHOW NOTEShttps://bradleyjohnson.com/145FOLLOW 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. TP11254981366See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What Happens When You Stop Juggling Spaghetti and Start Planning Profit? Have you ever felt like your business is just spaghetti thrown against a wall? You're spinning plates, putting out fires, and wondering which pieces will stick. Joseph Cadavos knows that feeling. With a real estate business closing 90-110 transactions a year, a wife running a med spa an hour away, and three school-aged kids, life was chaos. But here's what changed everything: He stopped trying to do it all and started doing what actually mattered. In this episode, Brandon sits down with Joseph to talk about his year in the Profit Planning Network. This isn't your typical "business success story." It's raw, real, and refreshingly honest about the messy parts of business ownership that nobody posts on Instagram. You'll discover: Why blocking time with your spouse on Google Calendar might be the most profitable thing you do this year How two completely opposite businesses (making people pretty vs. buying ugly houses) used the same framework to find clarity The surprising way AI helped them understand their marriage better What "profit planning" actually means (spoiler: it's not what you think) How having a buffer changes everything when marketing challenges hit Key Quote: "I don't care what you make gross—what matters is what you keep at the end of the month." — Joseph Cadavos This conversation will make you rethink everything about how you're running your business. And maybe, just maybe, it'll convince you to finally schedule that date night. Ready to learn more about creating a business that doesn't consume your life? Visit https://livecounterflow.com/collections/profit-planning-network-2026 to explore the Profit Planning Network.   00:00 Introduction and Welcome 00:19 The Profit Planning Network: An Overview 01:58 Transition to Financial Services 02:55 Launching the Profit Planning Network 04:53 Interview with Joseph Cadavos 06:25 Joseph's Business and Family Life 07:43 Impact of the Profit Planning Network 13:07 AI and Financial Tools 22:05 Final Thoughts and Encouragement 28:24 Conclusion and Call to Action   Watch on YouTube: https://youtu.be/2aZUKO47eBY 

Peter Grosskopf — former CEO of Sprott and co-founder of Argo — joins Scarce Assets to unpack why gold has been the runaway winner of 2025 and what that says about debt, inflation, and the end of “risk-free” bonds.Argo // SCP Resource FinanceConnect with Onramp // Onramp Institutional // ⁠Jackson Mikalic on X⁠WHAT WE COVER:- How gold became 2025's top-performing major asset while “nothing was really wrong”- Central bank de-dollarization: SWIFT sanctions, exploding US deficits, and reserve rebalancing- Why gold is quietly replacing Treasuries as the global “safe asset”- The debasement trade: protecting purchasing power when CPI underreports reality- Peter's personal allocation: ~50% in gold, silver, Argo balances, and miners- Liquidity, QT's end, and why the Fed's balance sheet likely has to grow again- Inside Argo: 24/7 direct-to-vault gold, outside the financial system, at ETF-beating costs- Tokenized gold (Tether, Pax) and why custody, vaults, and bankruptcy remoteness matterKEY INSIGHTS:- Gold's 2025 move isn't about a single crisis — it's decades of debasement risk finally being priced in- Central banks aren't just “adding diversification”; they're hedging both sanctions and US fiscal decay- For Peter, gold is no longer a hedge against dollars — it's the base unit of savings- Official inflation at 2–3% doesn't match lived experience; the real erosion feels closer to 5–7% with violent spikes- Treasuries are losing their status as the default safe haven; gold is stepping into that role- Bitcoin is still digesting leverage and maturing from a speculative tech trade into a long-horizon macro asset- Direct-to-vault and tokenized gold will sit at the core of the next monetary plumbing stackPETER'S THESIS: “Gold isn't just a crisis hedge anymore. It's the base case. The real experiment is trying to run this level of debt on fiat and calling it ‘risk-free.'”WHO IS PETER GROSSKOPF?- Co-Founder — Argo, a digital platform for direct-to-vault physical gold- Former CEO — Sprott (2010–2022), leading one of the world's premier precious metals firms- Managing Partner — SCP Resource Finance, focused on mining and real asset finance- 35+ Years in Financial Services — spanning trading, asset management, and capital markets- Lifelong precious metals investor now bridging vaulted gold with modern digital railsCHAPTERS:00:00 - Gold's Shock 2025 Rally & Peter's Background07:25 - Why Central Banks Are Rebuilding Gold Reserves14:20 - From 60/40 to Gold: Institutional Reallocation20:06 - Gold as the New “Safe Asset” Replacing Treasuries29:45 - Bitcoin vs Gold in 2025: Cycles, Leverage & Liquidity41:48 - Inside Argo: Direct-to-Vault Gold in the Digital Era50:04 - Tokenized Gold vs Direct Vault Ownership & Custody Risks54:40 - Key Takeaways, Where to Learn More & OutroScarce Assets: a biweekly podcast presented by Onramp which delves into the emergent role of bitcoin in finance professionals' strategies and outlooks. Hosted by Jackson Mikalic, Scarce Assets provides invaluable insights for wealth managers aiming to outperform their peers in the decades ahead. Finance professionals everywhere know about stocks and bonds, but the macroeconomic outlook requires that serious investors pay close attention to another category: Scarce Assets.Please subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

The year-end is a perfect time to refresh your buy list. We spotlight two resilient hunting grounds—Financial Services and Consumer Staples—and walk through six names worth deeper research. You'll get the narrative, the risks, and why each could compound beyond 2026. Download the Free Top Stocks Booklet. Make sure to check out the complete show notes. X: @TheDividendGuy FB: http://bit.ly/2Z7Q5gF YouTube: http://bit.ly/2Zs6r1r DividendStocksRock.com Retirement Loop

Stepan, founder of Squads, sits down with Wyatt on today's episode. In this discussion: Squads' evolution from a DeFi-facing product to servicing a broader range of companies' asset treasury needs. What are the pain points of local small-medium businesses? What is driving the gradual global movement from local currencies into USD stablecoins? The appetite for safe yield across user types. Other traditional digital banking players and how they are evolving with technology. How the stablecoin trend impacts governments. What happens to local banks?

Today's guest is Lauren Tulloch, Vice President and Managing Director at CCC (Copyright Clearance Center). CCC provides collective copyright licensing services for corporate and academic users of copyrighted materials, and, as one can imagine, the advent of AI has exposed a large number of businesses to copyright risks they've never considered before. Today, Lauren joins us to discuss where copyright exposure arises in financial services, from the growth of AI development to more commonplace employee use. With well over a decade at the company, Lauren dives into the urgent need for proactive copyright strategies in financial services, ensuring firms avoid litigation, regulatory scrutiny, and reputational damage, all while maximizing the value of AI. This episode is sponsored by CCC. Learn how brands work with Emerj and other Emerj Media options at emerj.com/ad1.

Recent signs of labor market weakness should allow the Fed to cut again next week, explains Nicholas Fawcett, Senior Economist at the BlackRock Investment Institute. He unpacks what we're looking for in the official data set for release later this month. 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©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-5026753

We'd love to hear from you. What are your thoughts and questions?The conversation explores the integration of AI in trading and financial services, drawing parallels to autonomous driving. Eric Chu discusses the potential for AI to automate trading processes, allowing users to create investment portfolios through simple queries, with the expectation that this technology will become more prevalent in the near future.Main Points:AI will increasingly play a role in automatic trading.The analogy of autonomous driving illustrates the future of trading.We are moving towards more automated financial services.In the next decade, AI could revolutionize trading.Users may soon create portfolios with simple questions.AI will handle investment management automatically.The technology is not fully developed yet but is progressing.Financial services will become more user-friendly with AI.Automation in trading will enhance efficiency.AI's role in finance is expected to grow significantly.Connect with Eric Chu:https://www.linkedin.com/in/eric-chu-cfa-7159567/https://www.tradesk.co

Mr. Beast Biography Flash a weekly Biography.Jimmy Donaldson, known worldwide as MrBeast, has been making major moves across multiple ventures as we head into the final month of 2025. According to Global Fintech Insider, the YouTube megastar filed a trademark application in October under Beast Holdings LLC for what appears to be a neobank targeting his 447 million subscribers. The filing with the U.S. Patent and Trademark Office lists services for short-term cash advances, consumer lending, investment management, financial education, cryptocurrency exchange, and credit and debit card issuance. While trademark filings are preliminary steps and a significant distance from actual bank licensing, this move signals serious intentions to enter the financial services space, building on Donaldson's previous investments in fintech companies like Current and Bitski.On the philanthropy front, Beast Philanthropy announced a major strategic partnership with the Rockefeller Foundation on November 24th. This collaboration pairs Donaldson's unparalleled ability to engage youth audiences with the foundation's 112-year legacy of tackling global problems. The partnership focuses on inspiring younger generations, particularly Gen Z, to care about vulnerable populations worldwide. Notably, the two organizations plan to visit Ghana early next year to collaborate on development and community-led change initiatives. Through his snack company Feastables, Donaldson continues championing fair-trade chocolate production and fighting child labor on cacao farms, hoping to provide farmers with living wages while rallying consumers around ethical practices.Beyond these ventures, MrBeast's sprawling empire continues expanding. According to Business Insider reporting, the creator revealed ownership stakes in Beast Industries during a deposition, underscoring the scale of his business empire estimated at around five billion dollars. The company has been aggressively hiring new executives to strengthen content production and brand partnership capabilities.The partnership with Rockefeller Foundation represents perhaps the most significant development, signaling a maturation of Donaldson's approach to philanthropy. Rather than operating solo, he's deliberately seeking established expertise to ensure his charitable work creates lasting, measurable impact beyond viral moments.Thanks so much for tuning in to this episode. Please subscribe to never miss an update on MrBeast and search the term Biography Flash for more great biographies.And that is it for today. Make sure you hit the subscribe button and never miss an update on Mr. Beast. Thanks for listening. This has been a Quiet Please production."Get the best deals https://amzn.to/4mMClBvThis content was created in partnership and with the help of Artificial Intelligence AI

Send us a textTalent, culture, and the future of work take centre stage in this episode of Talking Success, recorded with Absa Group at the heart of Africa's fintech ecosystem. Host Darren Franks sits down with KG Bako, Managing Executive for Talent Management & Transitions in Absa's Human Capital leadership team, to explore how a leading Pan-African bank is innovating in talent management, AI readiness, and culture transformation to thrive in a rapidly evolving market.They unpack the ‘skills of the future' – from AI fluency, data, cyber and digital capabilities to critical thinking, empathy, and collaboration and why skills have become the new currency for financial services across Africa.The conversation highlights Absa's DEI+B (Diversity, Equity, Inclusion and Belonging) agenda, flexible work models, and how ‘come as you are' and a sense of belonging are embedded in Absa's employee value proposition.You'll also hear how banks and fintech's are collaborating to build Africa's talent pipeline, and why partnerships across industries and governments are essential to future-proof the continent's workforce. If you're a fintech founder, HR leader, banker or parent thinking about where the next generation should focus, this episode offers practical insights into where work, skills and opportunity are heading in African financial services.

From there, the conversation turns to what advisors actually experience on the ground: Cetera's unique ownership with Genstar and the benefits of a “fresh clock”• The breadth of affiliation models and why Cetera calls itself a “forever home”.• How multi-custody (Pershing, Fidelity/NFS, Schwab, self-clearing) helps recruiting and M&A.• Insights on Avantax, Concourse, and ongoing industry consolidation.• Why advisor equity ownership strengthens alignment.• Cetera's focus on organic growth through regional teams and the Growth Line program.• How the firm thinks about transition deals, scale, and long-term profitability.• What advisors may not realize about Cetera's structure, communities, and support model.Frank and Mike also contrast Cetera's approach to scale with other major players, discuss the realities of transition deals in a changing rate environment, and talk about why insurance, tax, and planning-based advice remain central to a “super hybrid” advisor value proposition.If you're an advisor considering independence - or re-evaluating your current platform - this conversation offers a detailed, unscripted look at how Cetera operates, what makes it different, and how it's preparing for what Mike calls a very “dynamic” next ten years in wealth management.Resources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

A few years ago, Triad members Dana and Tyler Dunkelberger were gathering $35M in new assets with a four-person team. And like most advisors, when growth started ramping up, they kept their foot on the gas.They ran 100+ dinner seminars a year, added clients as fast as they could, and tried to solve capacity issues by adding more advisors to the team.But the harder they pushed, the more obvious it became — their model couldn't keep up. They were growing, but it was completely unsustainable. They were building a service nightmare that was slowly swallowing their time, their energy, and their quality of life.Fast forward to today, and not only has their firm tripled growth, pacing for $100M in new assets, but they now have a 17-person team, clearly defined roles, and a model that actually scales. Dana is here today to walk through the steps they took, the hires they made, and the mindset shifts that turned an unsustainable business into one that scales with purpose and significance.3 of the biggest insights from Dana Dunkelberger…#1.) Why “Stepping on the Gas” Eventually Stops WorkingDana talks about how running 100+ seminars a year filled the pipeline fast — but also created more service work than he and Tyler could ever keep up with. The harder they pushed, the more buried they became. Adding another advisor didn't fix it either, because it just duplicated the same problem. The real issue wasn't effort… it was the model.#2) The Shift That Quietly Fueled Their $100M PaceFor a long time, Reliance looked like every other firm — same products, same conversations, same playbook. Then Dana and Tyler built a simple, repeatable framework that showed clients exactly how they work and what makes them different. That shift in structure and message made their meetings clearer, their value easier to understand, and became a major driver behind their growth.#3) The One Hire That Opened the Door to $1M+ ClientsDana didn't realize how much he was holding the business back by trying to build all the plans himself. Bringing on a dedicated planner changed everything. The plans got better, the advisors got to stay in their lane, and higher-net-worth clients suddenly saw a firm with real depth. It was the missing piece that finally allowed the business to scale.SHOW NOTEShttps://bradleyjohnson.com/144FOLLOW 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. TP11254981357 See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Each month, a panel of constitutional experts convenes to discuss the Court’s upcoming docket sitting by sitting. The cases covered in this preview are listed below.Urias-Orellana v. Bondi (December 1) - Immigration; Issue(s): Whether a federal court of appeals must defer to the Board of Immigration Appeals' judgment that a given set of undisputed facts does not demonstrate mistreatment severe enough to constitute "persecution" under 8 U.S.C. § 1101(a)(42).Cox Communications v. Sony Music Entm't (December 1) - Copyright Infringement; Issue(s): (1) Whether the U.S. Court of Appeals for the 4th Circuit erred in holding that a service provider can be held liable for "materially contributing" to copyright infringement merely because it knew that people were using certain accounts to infringe and did not terminate access, without proof that the service provider affirmatively fostered infringement or otherwise intended to promote it; and (2) whether the 4th Circuit erred in holding that mere knowledge of another"s direct infringement suffices to find willfulness under 17 U.S.C. § 504(c).First Choice Women’s Resource Centers v. Platkin (December 2) - First Amendment; Issue(s): Whether, when the subject of a state investigatory demand has established a reasonably objective chill of its First Amendment rights, a federal court in a first-filed action is deprived of jurisdiction because those rights must be adjudicated in state court.Olivier v. City of Brandon, Mississippi (December 3) - Civil Rights; Issue(s): (1) Whether this court’s decision in Heck v. Humphrey bars claims under 42 U.S.C. § 1983 seeking purely prospective relief where the plaintiff has been punished before under the law challenged as unconstitutional; and (2) whether Heck v. Humphrey bars Section 1983 claims by plaintiffs even where they never had access to federal habeas relief.Trump v. Slaughter (Independent Agencies) (December 8) - Presidential Removal Powers; Administrative Law; Issue(s): (1) Whether the statutory removal protections for members of the Federal Trade Commission violate the separation of powers and, if so, whether Humphrey’s Executor v. United States should be overruled. (2) Whether a federal court may prevent a person’s removal from public office, either through relief at equity or at law.National Republican Senatorial Committee v. Federal Election Commission (December 9) - Election Law; Issue(s): Whether the limits on coordinated party expenditures in 52 U.S.C. § 30116 violate the First Amendment, either on their face or as applied to party spending in connection with "party coordinated communications" as defined in 11 C.F.R. " 109.37.Hamm v. Smith (December 10) - Capital Punishment; Issue(s): Whether and how courts may consider the cumulative effect of multiple IQ scores in assessing an Atkins claim.FS Credit Opportunities Corp. v. Saba Capital Master Fund, Ltd. (December 10) - Financial Services; Securities; Issue(s): Whether Section 47(b) of the Investment Company Act creates an implied private right of action. Featuring:David W. Casazza, Associate Attorney, Gibson, Dunn, & Crutcher LLPBoyd Garriott, Associate, Wiley Rein LLPCaleb Kruckenberg, Litigation Director, Center for Individual RightsProf. Michael T. Morley, Sheila M. McDevitt Professor of Law & Faculty Director of the Election Law Center, Florida State University College of LawJoel S. Nolette, Associate, Wiley Rein LLPProf. Zvi Rosen, Associate Professor, UNH Franklin Pierce School of Law(Moderator) Jill Jacobson, Litigation Associate, Weil, Gotshal & Manges LLP

In this conversation, Bryce and Brendan discuss the current state of the crypto market with Matt Hougan, CIO of Bitwise. They explore the dynamics of the market, including the ongoing bear market, institutional adoption, and regulatory developments. The discussion also covers the impact of government actions on liquidity, the significance of ETFs, and the performance of the Solana ETF. They delve into tax implications for staking strategies and the influence of Basel rules on banking regulations. Looking ahead, they discuss potential catalysts for growth in the crypto space and share predictions for 2026 and beyond. Get my #1 altcoin pick for this month. Check out Plus500: https://plus500.comEfani Sim Swap Protection: Get $99 Off: http://efani.comcrypto101Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comCheck out Gemini Exchange: https://gemini.com/cardThe Gemini Credit Card is issued by WebBank. In order to qualify for the $200 crypto intro bonus, you must spend $3,000 in your first 90 days. Terms Apply. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. This content is not investment advice and trading crypto involves risk. For more details on rates, fees, and other cost information, see Rates & Fees. The Gemini Credit Card may not be used to make gambling-related purchases.Get immediate access to my entire crypto portfolio for just $1.00 today! Get your FREE copy of "Crypto Revolution" and start making big profits from buying, selling,Chapters00:00 Introduction and Market Overview02:45 Are we in a Bear Market?05:38 Selling Dynamics and Covered Calls08:32 Volatility and Financialization of Bitcoin11:18 Institutional Influence and the Future of Bitcoin14:02 Government Shutdown and ETF Approvals16:57 Bitwise's Solana ETF Success19:49 Tax Treatment and Staking ETFs22:39 Basel Rules and Banking Regulations25:15 Future Catalysts for Crypto Market Growth26:54 The Future of Crypto Use Cases29:30 Demographics and the Crypto Market30:53 The Role of Financial Services in Crypto32:27 The Everything App: Coinbase and Robinhood34:14 2025 Predictions Review47:17 Looking Ahead: Predictions for 2026MERCH STOREhttps://cryptorevolutionmerch.com/Subscribe to YouTube for Exclusive Content:https://www.youtube.com/@crypto101podcast?sub_confirmation=1Follow us on social media for leading-edge crypto updates and trade alerts:https://twitter.com/Crypto101Podhttps://instagram.com/crypto_101Guest Linkshttps://x.com/Matt_Houganbitwiseinvestments.com*This is NOT financial, tax, or legal advice*Boardwalk Flock LLC. All Rights Reserved  ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Fog by DIZARO https://soundcloud.com/dizarofrCreative Commons — Attribution-NoDerivs 3.0 Unported — CC BY-ND 3.0 Free Download / Stream: http://bit.ly/Fog-DIZAROMusic promoted by Audio Library https://youtu.be/lAfbjt_rmE8▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬Our Sponsors:* Check out Plus500: https://plus500.com* Check out Plus500: https://plus500.com* Check out Quince: https://quince.com/CRYPTO101* Check out TruDiagnostic and use my code CRYPTO101 for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

This is Derek Miller, Speaking on Business. Farm Bureau Financial Services helps people prepare for life's what-ifs. They provide insurance and financial planning that gives families and business owners peace of mind, confidence for the future, and the right support. Farm Bureau Financial Services Agent, Felicia Wright, joins us with more. Felicia Wright: At your local Farm Bureau Financial Services office, I understand that protecting what matters most isn't just about insurance, it's about having the right strategy. I'm here to help you safeguard your family, home, business, and goals. Whether it's through auto, home, life, business coverage or even investments, we'll create a plan that fits your unique needs. I believe in building relationships, not just policies. That means taking the time to listen, understand, and be there when it counts. Wherever life takes you, we'll navigate it together. Because you deserve more than coverage, you deserve confidence and peace of mind. Let's build a strategy that grows with you now and into the future. Visit me in Sandy or call 801-233-3176. Registered Representative/Securities & services offered through FBL Marketing Services, LLC, affiliate of Farm Bureau Financial Services. Member SIPC. Farm Bureau Property & Casualty Insurance Company, Farm Bureau Life Insurance Company. Derek Miller: By supporting Utah families and businesses, Farm Bureau Financial Services help strengthen communities, create financial stability, and provide the confidence people need to pursue their goals and build a secure future. I'm Derek Miller, with the Salt Lake Chamber, Speaking on Business. Originally aired: 11/25/25

In this episode of Deciphered, Jeff Tijssen, partner and global head of Fintech, Bain & Company and Mike Cashman, partner, Bain & Company are joined by Mike Edmonds, VP of Agentic Commerce, Commercial Growth, PayPal and Pahal Patangia, Head of Payments Strategy, NVIDIA to discuss the future of AI in financial services.Timestamps:00:00 Introduction04:50 Personalization and friction reduction through agentic AI05:13 Supercharging workflows in financial services with AI06:19 Distinction between traditional, generative, and agentic AI09:24 Shift from reactive to predictive banking with AI13:46 Current adoption curve of agentic AI in finance15:01 Promising use cases of agentic AI in commerce17:27 Autonomous agents and redefining customer engagement21:45 Barriers to adopting AI at scale in organizations26:38 Building and maintaining trust in AI-driven decisionsPlease subscribe to the show so you never miss an episode, and leave us a review if you enjoy the show!You can find Jeff Tijssen hereYou can find Mike Cashman hereYou can find Mike Edmonds hereYou can find Pahal Patangia hereFor more insights from the Deciphered podcast, visit the page on Bain's website

Loyalty in financial services is big business, touching millions of customers and billions in spend every day. But it is also one of the most competitive sectors in loyalty. With open banking, rapid fintech innovation, and rising digital expectations, financial services brands must work harder than ever to earn trust, engagement, and long-term loyalty. In this episode, we bring together a panel of leaders from some of the world's most successful financial services programmes. Johan Moolman, now at Sanlam Bank and formerly of eBucks in South Africa, shares his experience from a market widely regarded as a global leader in financial services loyalty. Nceba Hene from African Bank discusses the team's award-winning approach, having been recognised as Team of the Year at the International Loyalty Awards. And JP Lips, former CEO of Nectar in the UK and now President for Europe at Capillary Technologies, adds a broader global perspective on what success looks like. Together, they explore the challenges of building loyalty in financial services, how these challenges differ across markets, what sets top-performing programmes apart, and the essential advice they would give to anyone new to the sector. Sponsored by Capillary Technologies.

Building a Compliant and Scalable FinTech Ecosystem

The Government is being forced to bring in emergency regulations to stop companies attempting to subvert the new auto-enrolment pension. About 750,000 workers are set to be signed up to the My Future Fund auto-enrolment pension from early January. It has emerged, however, that some companies are trying to avoid having their staff signed up to My Future Fund because they do not want to handle the administrative burden and cost involved. To discuss this further, Alan Morrissey was joined by Ivan Dunne, Head of Financial Services with Campion Insurance. Picture (c) ADragan from Getty Images via Canva

This episode discusses the government shutdown including the Democrats' reasons behind it and how it came to a conclusion. It also offers two solutions to prevent a future shutdown.REFERENCES:(1) Episode 11 of the Advancing the Agenda Podcast: "The Filibuster, Cloture Motion, Reconciliation, and the Nuclear Option in the U.S. Senate"(2) The 12 Appropriations Subcommittees from the Website of Congressman Mike Sampson (R-ID):Twelve Appropriations Subcommittees determine discretionary funding for government functions.  Each of these subcommittees produces one bill each year.  Subcommittees include:Agriculture, Rural Development, Food and Drug Administration, and Related Agencies, which oversees funding for the USDA (except the Forest Service) and other agencies;Commerce, Justice, Science, and Related Agencies, which oversees funding for the Department of Commerce, the Department of Justice, NASA, and other agencies;Defense, which oversees funding for the military, the intelligence community, and other national defense related agencies;Energy and Water Development, which oversees funding for the Department of Energy, the U.S. Army Corps of Engineers, and other agencies;Financial Services and General Government, which oversees funding for the Department of the Treasury, the Executive Office of the President, and other government functions;Homeland Security, which oversees funding for the Department of Homeland Security;Interior, Environment, and Related Agencies, which oversees funding for the Department of the Interior, the EPA, the U.S. Forest Service, and a number of independent agencies;Labor, Health and Human Services, Education, and Related Agencies, which oversees funding for the Department of Education, the Department of Health and Human Services, the Department of Labor, and other agencies;Legislative Branch, which oversees funding for the House of Representatives (the Senate Legislative Branch oversees funding for the U.S. Senate), the U.S. Capitol, the Library of Congress, and other legislative branch functions;Military Construction, Veterans Affairs, and Related Agencies, which oversees funding for military construction (including military housing), the Department of Veterans Affairs, and related agencies;State, Foreign Operations, and Related Programs, which oversees funding for the U.S. State Department, USAID, and related programs;Transportation, Housing and Urban Development, and Related Agencies, which oversees funding for the Department of Transportation, HUD, and related agencies.

European equities had a flash of outperformance over the U.S. this year and we see bright spots, but the region needs structural reforms to outshine the U.S. Bruno Rovelli, Chief Investment Strategist for Italy at BlackRock, shares more.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©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.

Regular listeners will know that Down to Business has a long association with the EY Entrepreneur of the Year Awards. This week, Bobby is joined by some of this year's finalists and alumni to look at the changing nature of financial services. Joining Bobby is:Eddie Dillon, who is a finalist in the emerging categoryDerek Foley of Grid Finance who is in the established categoryRoger Wallace, Head of Assurance & EY Entrepreneur of the Year Partner Lead

“Leaders who intentionally practice gratitude create strong cultures, deeper connections, and more resilient teams.” – Randy SmithWelcome to episode 223 of The CUInsight Experience podcast with your hosts, Randy Smith, co-founder of CUInsight.com, and Jill Nowacki, President and CEO of Humanidei.This episode is sponsored by The Sheeter Group - a leading executive benefits firm that meets your retention and succession needs. This includes non-qualified benefit plans, short and long-term incentive plans, compensation studies, scorecard design, performance evaluation, and more. Learn more at sheetergroup.com.In this season, Jill and I will have conversations centered around leadership, credit unions, and living our best lives. We will have some of the most respected leaders from around credit unions who we are grateful to call friends join us in the discussion from time to time too.For this episode, we are discussing the power of gratitude. Gratitude is a powerful leadership strategy that can have a huge impact on company culture, employee engagement, and team resilience, and we explore why gratitude matters so much for leaders as well as how to effectively foster it.Gratitude tends to fuel positive culture, strengthen relationships, and encourage people to bring their best selves to work. When challenges come up, gratitude helps teams bounce back better by making people feel seen, valued, and appreciated for their contributions, and it also builds trust and a sense of meaning, showing employees that they are not just "cogs in the wheel" but part of something more important.Expressing gratitude should be tied to specific impacts and outcomes, not just broad acknowledgments, and we caution against waiting for big events or milestones to show appreciation. We talk about some of the common barriers that prevent leaders from practicing gratitude more consistently, such as feeling like you are too busy or feeling worried that it will make the team complacent. We recommend building gratitude into daily routines and rituals such as starting meetings with a round of appreciation or having a weekly "gratitude moment" on team chats!We share some personal stories of how gratitude has shaped our own leadership journeys, helping us stay grounded and focused on what really matters in the end. Leaders at the top may receive less day-to-day gratitude, making it even more important for them to model the behavior. Gratitude is a simple but profound leadership practice. When used intentionally, it can transform company culture, deepen connections, and empower teams to achieve truly remarkable things together! We hope that you enjoy our conversation!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts and SpotifyBooks mentioned on The CUInsight Experience podcast: Book List

One of the biggest reasons why affluent families and high-net-worth investors have lost trust in financial services and wealth management firms is that most of the advice they receive is biased and driven by incentives that serve institutions instead of clients.Imagine financial advice and strategies that truly align your wealth with conflict-free guidance. Most investors expect traditional wealth managers and RIAs to act in their best interests. Today's guest will reveal how the financial industry actually operates—and how they are disrupting the status quo.That's why I'm thrilled to welcome Mo Lidsky to the podcast. Mo is CEO and Partner at Prime Quadrant, one of North America's leading multi-family offices. With $26B+ in AUC (Assets Under Consultation™) and over 400 years of combined experience, they've cracked the code on providing financial services that aren't focused on selling products, and empower families to make better financial decisions.They believe that typical family offices with 7-figure net worths should have the same access to institutional-quality options that are enjoyed by billion-dollar corporations, offering aligned interests, a diversity of opportunities, exceptional planning, and predictable outcomes. In our conversation, Mo shares how Prime Quadrant designed a cost-effective family office model that bridges the gap between retail investors and institutions, giving clients access to institutional opportunities and advice tailored solely to their needs. We'll also discuss how their fee-only structure creates transparency and how focusing on your real goals leads to genuinely personalized financial advice.In this episode, you'll learn: 1.) How to identify misaligned incentives in traditional wealth management and avoid paying for biased advice.2.) How Prime Quadrant's family office model delivers institutional-quality access and advice for affluent families.3.) How to clarify what you truly want—and build your financial life around purpose, freedom, and alignment.Show Notes: LifestyleInvestor.com/265Tax Strategy MasterclassIf you're interested in learning more about Tax Strategy and how YOU can apply 28 of the best, most effective strategies right away, check out our BRAND NEW Tax Strategy Masterclass: www.lifestyleinvestor.com/taxStrategy Session For a limited time, my team is hosting free, personalized consultation calls to learn more about your goals and determine which of our courses or masterminds will get you to the next level. To book your free session, visit LifestyleInvestor.com/consultationThe Lifestyle Investor InsiderJoin The Lifestyle Investor Insider, our brand new AI - curated newsletter - FREE for all podcast listeners for a limited time: www.lifestyleinvestor.com/insiderRate & ReviewIf you enjoyed today's episode of The Lifestyle Investor, hit the subscribe button on Apple Podcasts, Spotify, or wherever you listen, so future episodes are automatically downloaded directly to your device. You can also help by providing an honest rating & review.Connect with Justin DonaldFacebookYouTubeInstagramLinkedInTwitterSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Elizabeth Rea is the founder of The Insightful Foundation in San Francisco. She is an intuitive intelligence strategist trusted by U.S. Federal Special Agents. A near-death experience at sixteen unlocked her extraordinary ability to access non-local intelligence—pre- and post-cognition, and insights into human consciousness, living or deceased. Elizabeth revealed critical investigative details in highly sensitive cold murder cases by contacting the consciousness of both the victim and the perpetrator. She loves uncovering hidden agendas, spotting risks, and revealing opportunities that critical thinking, expert advisors, and artificial intelligence cannot even detect. Elizabeth clients include established founders and investors. She informs hiring decisions and business strategy, giving clients greater confidence, less stress, and a rare, ongoing competitive edge. Elizabeth is on a mission to use her intuition to uncover truth to help guide justice, peace, and prosperity. https://www.insightful.foundation/ In this powerful episode of the Fulfillionaire podcast, JP Newman sits down with Elizabeth Rea, a former financial services professional turned intuitive psychic medium, who shares her incredible journey of transformation and achieving financial clarity. Elizabeth discusses her transition from feeling burned out and financially insecure to becoming a confident entrepreneur with a strong sense of purpose. She highlights the importance of living your truth, the distinction between being wealthy and feeling secure, and how leveraging intuitive intelligence can make a significant difference in both business and personal life. This episode delves into the principles of 'four-dimensional wealth,' breaking free from traditional financial constraints, and the journey to becoming a 'fulfillionaire' by aligning financial framework with personal well-being. 00:00 Introduction to Being a Fulfillionaire 01:08 Elizabeth Rea's Journey Begins 03:30 The Role of Trust in Financial Guidance 04:40 Elizabeth's Financial Struggles and Breakthroughs 09:23 The Dark Side of Financial Services 13:19 Reevaluating Financial Goals and Strategies 17:32 The Path to Financial Clarity and Fulfillment 26:34 Understanding Burn Rate and Investment Returns 27:09 Aligning Investments with Personal Values 27:32 Chasing Feelings, Not Money 27:52 The Net Worth Trap 28:05 Energy and Money 29:16 Defining Wealth and Ideal Life 29:45 Realizing Attainable Abundance 30:08 Healthy Conversations About Money 30:48 Mindset and Abundant Lifestyle Number 31:18 Manifesting Desires and Personal Growth 32:13 Living the Fulfillionaire Life 34:32 Financial Planning Beyond Traditional Investments 36:53 Alternative Investments and Passive Income 39:24 Estate Planning and Financial Education 40:11 Raising Financially Savvy Children 41:02 Elizabeth's Journey to Financial Clarity 44:06 Introducing the Insightful Foundation 45:23 Embracing Psychic Abilities 49:24 Helping Entrepreneurs with Intuitive Intelligence 52:47 Conclusion and Contact Information

In this episode, Neil Shah, Co-Head of the Financial Sponsors Group at Evercore, sits down Dan Zilberman, Managing Director, Global Head of Capital Solutions, and Global Co-Head of Financial Services at Warburg Pincus. During their conversation, they discuss Dan's career path, advice for the next generation, and the importance of finding your passion. Thank you for joining us!Neil Shah – senior managing director and Co-Head of the Financial Sponsors Group at EvercoreDan Zilberman – Managing Director, Global Head of Capital Solutions, and Global Co-Head of Financial Services at Warburg Pincus© Evercore Inc. 2025. All rights reserved.The material contained herein is intended as a general market and/or economic commentary and is not intended to constitute financial, legal, tax, accounting or investment advice. The information contained in this podcast does not constitute an offer to buy or sell securities from any Evercore entity to the listener and should not be relied upon to evaluate any potential transaction. The information contained in this recording was obtained from publicly available sources, has not been independently verified by Evercore, may not be current, and Evercore has no obligation to provide any updates or changes. This podcast is not a product of Evercore Investment Research and the information contained in this podcast is not financial research. The views and opinions expressed in this podcast are not necessarily those of Evercore and may differ from the views and opinions of other departments or divisions of Evercore and its affiliates. In addition, the receipt of this podcast by any listener is not to be taken to constitute such person a client of any Evercore entity. Neither Evercore nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefore (including in respect of direct, indirect or consequential loss or damage) is expressly disclaimed.

On Episode 731 of The Core Report, financial journalist Govindraj Ethiraj talks to Anil Rego, Co-founder and Fund Manager at Right Horizons PMS as well as Pawan Bachwal, Vice President, Head of Financial Services at Ericsson.SHOW NOTES(00:00) Stories of the Day(00:50) A 14-month wait is coming to an end as markets inch close to all time highs(03:22) Wall Street is back on buy AI stocks mode after Nvidia results(04:31) RBI governor says demand for USD is responsible for a weak rupee (16:34) How Ericsson is powering India's fintech play at scaleRegister for India Energy Week 2026https://www.indiaenergyweek.com/visit/visitor-registration/Register for the 3rd Edition of the Algorand India Summit https://algorand.co/india-summit-2025For more of our coverage check out ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecore.in⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to our Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Linkedin⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ |⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Youtube⁠⁠⁠

Are you struggling to attract and close more high-net-worth clients?What if the reason has nothing to do with your financial plans and everything to do with your office design?In this solo episode, I share one of the most surprising lessons I've learned in 20+ years of coaching advisors: the design and intention behind your office directly impacts the clients you attract and the culture you create.Your office is more than a workspace. It's a physical reflection of your values, beliefs, and the experience you promise to your clients. I'll show you how thoughtful design can elevate your credibility, boost team culture, and transform how prospects perceive your brand.I'll also walk you through the three lessons that shaped Triad's new headquarters, so you can apply the same principles to your own firm and start attracting higher-net-worth clients while building a culture your team loves coming to every day.3 of the biggest insights from Brad…#1.) Celebrate What Matters in Business and LifeMost advisors design an office that looks good on paper, but doesn't feel like them. In this episode, I share how to build a space that actually tells your story. From our Do Business, Do Life wall filled with team goals to the way you showcase client experiences instead of sales awards, I'll show you how to create an environment that instantly connects and builds trust with million-dollar clients.#2.). Speak Things Into Existence That MatterAt Triad, we believe language creates culture. So when we built our new office, we wanted our walls to literally speak our values. Instead of labeling rooms A, B, and C, we named them after the beliefs we live by—like the “Significance Suite” and the “Day One Café.” We even have an “Empty Chair” in every conference room to represent our members, reminding us to always build on their behalf. It's a simple way to make sure what we say we believe shows up in how we work every day.#3.) Create a Collision-Friendly EnvironmentWe fixed one of the biggest mistakes from our first office—silos. In our new space, we built what I call a “hub-and-spoke” design that sparks connection. The hub is where ideas collide—coffee stations, couches, even a kegerator—and the spokes are where deep work happens. I'll share how this setup boosted creativity, broke down barriers, and created a vibe that everyone—from team members to visiting advisors—can feel the moment they walk in.SHOW NOTEShttps://bradleyjohnson.com/143FOLLOW 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. TP11254897334. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What does MLOps look like when you are deploying 22,000 models a month? Maddie Daianu, Head of Data and AI at Intuit Credit Karma, joins the Data Bros to pull back the curtain on one of the most high-volume data environments in FinTech. With a 100-person team serving 140 million members, standard data practices break down. Maddie shares how her team manages terabytes of daily data on Google Cloud and explains the massive strategic pivot they are undertaking right now: The move from "Information" to "Agency."

How do you establish trust in an AI SOC, especially in a regulated environment? Grant Oviatt, Head of SOC at Prophet Security and a former SOC leader at Mandiant and Red Canary, tackles this head-on as a self-proclaimed "AI skeptic". Grant shared that after 15 years of being "scared to death" by high-false-positive AI, modern LLMs have changed the game .The key to trust lies in two pillars: explainability (is the decision reasonable?) and traceability (can you audit the entire data trail, including all 40-50 queries?) . Grant talks about yje critical architectural components for regulated industries, including single-tenancy , bring-your-own-cloud (BYOC) for data sovereignty , and model portability.In this episode we will be comparing AI SOC to traditional MDRs and talking about real-world "bake-off" results where an AI SOC had 99.3% agreement with a human team on 12,000 alerts but was 11x faster, with an average investigation time of just four minutes .Guest Socials -⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Grant's Linkedin Podcast Twitter - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@CloudSecPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you want to watch videos of this LIVE STREAMED episode and past episodes - Check out our other Cloud Security Social Channels:-⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security Podcast- Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠- ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cloud Security Newsletter ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠If you are interested in AI Cybersecurity, you can check out our sister podcast -⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ AI Security Podcast⁠(00:00) Introduction(02:00) Who is Grant Oviatt?(02:30) How to Establish Trust in an AI SOC for Regulated Environments(03:45) Explainability vs. Traceability: The Two Pillars of Trust(06:00) The "Hard SOC Life": Pre-AI vs. AI SOC(09:00) From AI Skeptic to AI SOC Founder: What Changed? (10:50) The "Aha!" Moment: Breaking Problems into Bite-Sized Pieces(12:30) What Regulated Bodies Expect from an AI SOC(13:30) Data Management: The Key for Regulated Industries (PII/PHI) (14:40) Why Point-in-Time Queries are Safer than a SIEM (15:10) Bring-Your-Own-Cloud (BYOC) for Financial Services (16:20) Single-Tenant Architecture & No Training on Customer Data (17:40) Bring-Your-Own-Model: The Rise of Model Portability (19:20) AI SOC vs. MDR: Can it Replace Your Provider? (19:50) The 4-Minute Investigation: Speed & Custom Detections (21:20) The Reality of Building Your Own AI SOC (Build vs. Buy)(23:10) Managing Model Drift & Updates(24:30) Why Prophet Avoids MCPs: The Lack of Auditability (26:10) How Far Can AI SOC Go? (Analysis vs. Threat Hunting)(27:40) The Future: From "Human in the Loop" to "Manager in the Loop" (28:20) Do We Still Need a Human in the Loop? (95% Auto-Closed) (29:20) The Red Lines: What AI Shouldn't Automate (Yet) (30:20) The Problem with "Creative" AI Remediation(33:10) What AI SOC is Not Ready For (Risk Appetite)(35:00) Gaining Confidence: The 12,000 Alert Bake-Off (99.3% Agreement) (37:40) Fun Questions: Iron Mans, Texas BBQ & SeafoodThank you to Prophet Security for sponsoring this episode.

The reopening of the U.S. government will allow the release of backlogged economic data, especially jobs data, helping us take stock of our pro-risk view. Nicholas Fawcett, Chief Investment Strategist at the BlackRock Investment Institute, breaks down the implications. 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©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-4994914

In this episode, Sierra Nicholson is joined by partners Jubilee Easo and Kristina Kopf Thomas to discuss emerging trends in real estate investment, the flow of capital in energy infrastructure, the role of risk management in creating value, and how innovation and geopolitics are shaping the future of energy and real estate assets.

Frank and Brian also dig into:• The pivotal 2005 spin-off from American Express - and what it unlocked for advisors.• Why it's “all about how much you make, not the payout.”• How Ameriprise's E-Meeting, Insights, and AI-driven Copilot tools are redefining advisor efficiency.• The power of home-office visits and what advisors should look for in firm culture.• Why advisors who said “never” to Ameriprise often end up saying “yes.”If you've ever wondered why so many top producers are giving Ameriprise another look, this episode delivers straight answers, real examples, and lessons every advisor can use when evaluating their next move.Resources:Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comConnect with Brian Mora on LinkedIn or via phone: (609)-335-8844https://www.linkedin.com/in/brian-j-mora-cfp%C2%AE-crpc%C2%AE-awma%C2%AE-4076b610/  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners 

Welcome to Clio Con Clips 2025, recorded live from Boston and proudly sponsored by Clio, the world's leading legal technology company transforming the legal experience for all.On today's minisode, we talk to A.J. Axelrod. He is the VP of Payments and Financial Services at Clio, responsible for leading the company's payment and financial product innovations. A.J. is focused on making legal services more accessible through new solutions like Pay Later and Clio Capital, aiming to remove financial barriers for both clients and law firms. A.J. is dedicated to compliance and security, works closely with reputable partners, and values customer feedback to drive adoption and usability. His approach emphasizes clear, context-specific solutions for legal professionals, and he is enthusiastic about Clio's mission and advancements showcased at his first Clio Con.So why should you be listening in? You can hear Rob and A.J. discussing:- Innovation and Updates in Clio's Legal Payments- Addressing Legal Affordability through Flexible Payment Solutions- Ensuring Compliance and Building Trust in Financial Technology- User Feedback and Rapid Adoption of Clio Payment Features- The Evolving Intersection of Legal Tech and FinTechConnect with A.J. Axelrod here - https://www.linkedin.com/in/ajaxelrod

Live from Future Proof, I sat down with Jason Early, Founder and CEO of RISR — an AI platform that's helping financial advisors rethink how they serve business-owner clients.Here's the truth: for most entrepreneurs, their business is their biggest asset — but most advisors just ask, “What's it worth?” jot down a guess, and move on. Jason and his team built RISR around a simple belief: business owners deserve better advice, and the advisors who serve them need better tools to give it.RISR connects directly to a company's financials, uses AI to generate real-time valuations, and gives advisors the insights they need to guide clients through growth, succession, and exit planning. It helps advisors have the right conversations — earlier — so they're there long before the liquidity event, not chasing it after the fact.In this conversation, Jason shares how top advisors are using RISR to win business-owner clients, deepen relationships, and deliver the kind of advice that builds lasting trust.3 of the biggest insights from Jason Early…#1.) How Top Advisors Are Using RISR to Stand OutAdvisors aren't just running valuations, they're using RISR to open doors, deepen trust, and win business-owner clients long before a liquidity event. By showing up with real data on what the client's business is worth, advisors shift the conversation from “asset management” to “business strategy.” It's helping them justify planning fees, spark succession discussions, and position themselves as the quarterback for every major decision that impacts the owner's wealth and legacy.#2.) The Truth About Business Valuation (and Why It's Usually Wrong)Most business owners miscalculate what their company is worth — often by millions. Jason breaks down why, from owner dependency and client concentration to “country club math” and non-normalized EBITDA. He also explains how objective valuation data brings alignment between partners and families, turning tough money talks into clarity.#3.) What Every Advisor Should Know About Succession & Exit PlanningBusiness owners rarely plan their exits well. Jason explains how advisors can use valuation insights to build readiness conversations, prevent conflict between partners, and even influence deal outcomes. These are high-trust, high-value planning opportunities that position advisors as long-term strategic partners — not just investment managers.SHOW NOTEShttps://bradleyjohnson.com/142FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW 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.

Listen now to learn:00:00 – Intro:02:35 – What Is Generative AI (Really)?06:04 – Compliance Concerns & Data Privacy:14:20 – Can You Trust AI to Run Your Practice?18:09 – Data Is the New Asset Class:22:19 – Trust, Credibility & the Human Factor:27:11 – The Future of Work in Financial Services:31:05 – Final Thoughts: Trust But Verify:Learn more about our companies and 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 and Acquisitions: https://eliteadvisorsuccessions.com-JEDI Database Solutions | Technology Solutions for Advisors: https://jedidatabasesolutions.com  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

Chapters:00:00 – Intro01:03 – Lessons from 250 Episodes22:54 – The Mythbuster Mentality23:26 – Authenticity, Evolution, and Advisor Education31:29 – Keep It FreshLearn more about our companies and 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 and Acquisitions: https://eliteadvisorsuccessions.com-JEDI Database Solutions | Technology Solutions for Advisors: https://jedidatabasesolutions.com  Listen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/

Live from Future Proof, I sat down beachside with Eden Ovadia, Co-Founder and CEO of FINNY—the AI-powered marketing platform helping advisors solve one of the biggest challenges in wealth management: organic growth.For years, the industry has relied on market returns and acquisitions to drive scale. But when the market slows, most firms discover they don't actually have a growth engine—they have a valuation problem.Eden saw that gap and built FINNY to fix it. In less than a year, she launched the company, joined Y Combinator, raised $6.5 million, and created a 15-person team that's helping advisors identify ideal prospects, automate personalized outreach, and attract new clients at scale.Eden also shares how her decision to live in her office became a powerful expression of belief in what she's building. That unwavering faith in the mission inspired her team to buy in completely—creating a culture grounded in trust, shared conviction, and the certainty that they're building something extraordinary together.3 of the biggest insights from Eden Ovadia…1.) The Industry's Organic Growth Problem Is Getting Too Big to IgnoreAdvisors have been riding market returns and acquisitions for years—but when the market dips, most firms realize their “growth” isn't really growth. Eden breaks down why the industry's obsession with M&A has masked a massive organic growth crisis—and how advisors who solve it are commanding double the valuations of their peers.2.) AI Is Revolutionizing Prospecting for AdvisorsEden's company, FINNY, gives advisors access to over 300 million data profiles and turns that data into personalized marketing automation—helping them find and convert ideal clients faster than ever before. From identifying business owners researching “exit planning” to filling dinner seminars with precision, FINNY shows what's possible when prospecting meets AI.3.) Great Leaders Build Belief Before They Build TeamsEden scaled FINNY from 0 to 15 employees in a year—but her real advantage wasn't speed, it was conviction. From living in her office to creating a culture that feels like family, she proves that people don't just join startups—they join founders who believe deeply in their vision. Her playbook for culture, hiring, and customer obsession applies to any advisor building a business that lasts.SHOW NOTEShttps://bradleyjohnson.com/141FREE GIFT + JOIN THE DBDL INSIDER CREWToday's Gift: 30 minute 1:1 coaching call with BradAre you a financial advisor who feels stuck, needs help, or simply wants to have a conversation with Brad? Text “Coaching” to 785-800-3235 to apply for a 30 minute Zoom coaching session and we'll send you a link to Apply. That will also make you a DBDL Insider with VIP access to future resources and exclusive content. *Message and data rates may apply. Reply STOP at any time to opt-out of receiving text messages.FOLLOW 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. TP11254897301See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.