Podcasts about financial planning

As the year gets underway, we're answering the seven financial questions people ask us most, covering investing, retirement, taxes, Roth strategies, and Social Security. These are the same questions that come up in almost every planning meeting, regardless of where you are in your financial journey. In this episode of Wise Money, we'll walk through how to think about each one and why the answers are rarely one-size-fits-all.  Season 11, Episode 21 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://pod.link/1040619718  Watch this episode on YouTube: https://youtu.be/VADM-TzZ6aw  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Growing up in a frugal immigrant household, Ramit Sethi developed a scarcity-driven mindset and deep anxiety around money. After losing an investment in the stock market and studying both finance and psychology, he realized that most traditional financial advice ignores human behavior. Determined to break free from scarcity thinking, he rebuilt his relationship with money and began using it as a tool to design his own “rich life.” In this episode, Ramit shares how to rewire your money mindset, build wealth, and live a rich life. In this episode, Hala and Ramit will discuss: (00:00) Introduction (02:19) His Background and Early Money Lessons (09:39) Starting a Finance Blog in College (15:25) What a “Rich Life” Really Means (19:55) Money Psychology and Invisible Scripts (24:33) Money Communication in Relationships (29:27) The Conscious Spending Plan Framework (42:08) Money Dials: Spending on What You Love (48:29) Building Wealth and Finding Your Dream Job (56:04) Saving Smarter and Earning More Ramit Sethi is a New York Times bestselling author of I Will Teach You to Be Rich and the host of Netflix's How to Get Rich. He has spent over 20 years teaching millions how to master personal finance, investing, and conscious spending. Ramit also hosts a finance podcast, Money for Couples, where he breaks down real-life money decisions through psychology-based frameworks. His work focuses on helping people design rich lives on their own terms. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Intuit QuickBooks - Start the new year strong and take control of your cash flow at QuickBooks.com/money  Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting   Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Resources Mentioned: Ramit's Book, I Will Teach You to Be Rich: bit.ly/IWTYTBR  Ramit's Podcast, Money for Couples: bit.ly/MFC-apple  Ramit's Show, How to Get Rich: iwt.com/netflix  Ramit's Website: iwillteachyoutoberich.com  Ramit's Instagram: instagram.com/ramit Ramit's LinkedIn: linkedin.com/in/ramitsethi Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Scalability, Risk Management, Financial Planning, Business Coaching

The 2026 tax season is shaping up to look very different—especially for retirees, near-retirees, and late-career workers. Richard Rosso & Jonathan McCarty break down some major tax changes tied to the “One Big Beautiful Bill” and recent retirement legislation that could materially impact your tax planning strategy. From higher standard deductions and new age-based write-offs to expanded SALT limits, auto-loan interest deductions, and larger 401(k) catch-up contributions, these changes create both opportunities and planning traps. 0:00 - INTRO 0:19 - The Big D in the OBBB 3:52 - Higher Standard Deductions 6:57 - Withholding Adjustments 10:25 - Higher SALT Deduction 12:33 - Automobile Loan Interest Deduction 15:29 - Larger Catch-up Contributions 19:15 - Tipped Workers & Qualifying Jobs 23:15 - To Itemize or Not to Itemize 23:56 - Getting Ready not to File Tax Returns 25:06 - Looking at Roth Options 30:52 - 2026 Economic Summit 33:14 - Roth Conversion Deadlines 35:43 - YouTube Poll Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Investment Advisor, Jonathan McCarty, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=5dEwx5cGCZw&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "2026 Market Forecasts: Why Wall Street Gets It Wrong," here: https://www.youtube.com/watch?v=cQA10SrDk3s&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "Sector Rotation Quietly Begins," is here: https://www.youtube.com/watch?v=l6zc2wXLn5o&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #2026Taxes #TaxPlanning #RetirementPlanning #IRSUpdates #FinancialEducation

Many entrepreneurs and business owners know how to make money. Far fewer truly understand how to protect it, manage it wisely, and plan for the long arc of life once the hard work of earning is done. Jeffrey Panik is a U.S. Army veteran and a certified financial planner with more than 25 years of experience helping individuals, families, and business owners clarify complex financial decisions. He is the founder of Balance Wealth Partners and the author of two practical, plain-spoken books, one with a focus on young adults who are just starting out and the other on those individuals who are approaching retirement. Your Future Is Now: A Guide to Mastering Your Finances and Independence Your Future Is Now: Your Blueprint for Solving Your Retirement Puzzle Rather than offering one-size-fits-all prescriptions, Jeff shares his emphasis on individualized planning, long-term thinking, and the importance of communication — between spouses, across generations, and with trusted advisors. Drawing on both professional experience and personal history, he challenges common assumptions about financial planning and retirement readiness. Jeff's bottom line can be summarized in six words: clarity today can prevent regret tomorrow. Monday Morning Radio is hosted by the father-son duo of Dean and Maxwell Rotbart. Photo: Jeffrey Panik, Balance Wealth PartnersPosted: January 12, 2026 Monday Morning Run Time: 39:02 Episode: 14.32 POPULAR EPISODES: Sweet Success: How Two First-Timers Revitalized a 110-Year-Old Chocolate Brand Discover the Unlimited Power of Mastering Intentions: How You Can Transform Your Professional and Personal Life Stop Your Brain from Sabotaging Your Success and Happiness

Financial planning is built on assumptions — about markets, inflation, longevity, human behaviour, and even the questions clients bring into the room. In this episode, Ben and Braden welcome a diverse panel that originally came together at the FP Canada Conference to explore how those assumptions influence planning outcomes in practice. Joining them are Adam Chapman, a retirement-focused planner who helps clients turn their money into memories; Joe Nunes, an actuary with decades of pension and longevity experience; and Aaron Theilade, Director of Continuing Education at FP Canada. Together, the panel unpacks how to make assumptions credible, how to stress-test them, how to navigate client bias, and how planners can blend math with humanity to create better client outcomes. Key Points From This Episode: (0:00:04) Why this episode: recreating a conference panel on planning assumptions. (0:01:03) Braden on the panel's value for planners and DIY investors. (0:02:32) Meet the guests: Adam, Joe, Aaron, and Braden. (0:06:04) Assumptions matter: directional accuracy > prediction. (0:07:47) Actuarial view: start with inflation, bond yields, and risk capacity. (0:09:38) Engineering mindset: plan for expected and unexpected outcomes. (0:13:21) Client pushback: longevity surprises and hidden assumptions. (0:16:59) Asset allocation: strategic, goal-based, informed by behaviour. (0:20:57) Software limits: life is too variable for perfect modeling. (0:22:01) Behaviour gap: retirees spend less over time despite inflation. (0:25:18) Software guides; planners interpret and humanize outputs. (0:28:48) Use assumptions based on the specific question (e.g., withdrawals). (0:30:31) Always ask: "Why are we modeling this?" (0:34:15) Handling bias: reframe assumptions to reveal inconsistencies. (0:38:19) Assumptions evolve: returns, spending, and research all change. (0:42:38) Longevity beliefs: explore "why," not just the data. (0:50:38) Core truth: every plan is wrong — planning is iterative. (0:52:20) When to update: depends on age, goals, and material changes. (0:57:23) PWL approach: twice-yearly updates + adjustments during extremes. (1:00:03) Tips: focus on behaviour, communication, goals, and integration. (1:10:02) Success: relationships, impact, freedom, and sharing knowledge. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on YouTube — https://www.youtube.com/channel/ Benjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

Key Highlights:-How long it really takes to prepare and execute a successful move.-What you can - and can't - say to clients during a transition.-The emotional cost of waiting too long to leave.-Why your assistant should be part of the due diligence process.-Using the transition conversation to grow your book of business.-Legal tips for navigating non-protocol firms.-The value of having a transition project manager on your team.Whether you're planning a move next month or just starting to consider your options, this episode provides actionable insights and firsthand advice from industry veterans who have seen it all.Ready to talk? Reach out to Stacey at Stacey@EliteConsultingPartners.com.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/

As the new year begins, Roger Whitney launches a new Retirement Plan Live case study, introducing Henry and Lucy, a couple in their mid-40s pursuing Financial Independence and Retire Early (FIRE). Roger revisits the 4% rule as a planning heuristic, explains when it can be helpful, and sets the stage for a live community analysis later this month. The episode closes with a Smart Sprint focused on updating your net worth statement and a listener's word for 2026.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but to have the confidence to lean in and rock it.(00:30) Roger introduces a new Retirement Plan Live case study series and previews the upcoming live community meetup on January 29.RETIREMENT TOOLKIT(01:58) Roger revisits the 4% rule, explaining what it is, where it came from, and why it is often misunderstood.(04:55) Roger talks about the 25x rule commonly used in the FIRE community.(06:38) He discusses the drawbacks of using these heuristics and who they are best used for.(11:05) Roger shares how the 4% rule can help overfunded retirees move beyond scarcity and spend more intentionally.(13:55) A breakdown of FIRE- Financial Independence, Retire Early.RETIREMENT PLAN LIVE(17:41) Roger introduces Henry and Lucy.(20:01) They share how they discovered FIRE and what it means to them.(23:10) Lucy reflects on spending habits, saving, and budgeting(25:30) Henry talks about the start of their relationship.(28:12) Henry and Lucy discuss how saving impacted their lifestyle.(31:20) They discuss what drives their desire to retire early.(32:55) Roger reflects on his first impression of the FIRE Movement.(34:15) What are the obstacles of retiring so early?(38:45) Roger talks about the difference between a complicated problem and a complex problem.(40:35) Roger asks if they think about landmines that could pop up with such a long retirement.(43:57) Roger invites listeners further along the retirement path to share perspective and advice for their 40-something selves.SMART SPRINT(45:20) Roger encourages listeners to update their end-of-year net worth statement and identify trends for the year ahead.WORD OF THE YEAR(47:31) Listener Lindsay shares her word for 2026: Listen, and Roger reflects on the value of deep listening.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManLivewithroger.comThe Millionaire Next Door: The Surprising Secrets of America's Wealthy- Thomas J Stanley, Ph.D.

When clients feel understood, everything gets easier. When they don't, even the best advice falls flat. In this solo episode, I break down three lessons we can borrow from good doctors that make a huge difference in your meetings as an advisor.Just like in medicine, the best advisors don't rush to solutions. They slow down, ask better questions, and explain things in a way people can actually follow. I'll walk through why diagnosing before you prescribe matters, how your “bedside manner” shows up in financial conversations, and why a real plan is something you build with clients over time—not something you hand them once and hope for the best.If you've ever left a meeting thinking, “I know I gave them good advice, so why didn't it land?” these three simple ideas will help you connect better, simplify your process, and create a better experience for every person you serve.3 of the biggest insights from Brad Johnson…1.) Diagnose Before You PrescribeClients don't want another advisor pushing their “favorite product.” They want someone who seeks to understand—who asks layered questions, listens deeply, and helps both spouses feel heard. This is the foundation of trust and the secret behind higher conversions.2.) Simplify the Complex with Better Bedside MannerPlanning jargon and 80-page printouts don't impress clients—they overwhelm them. The advisors who win are the ones who translate complexity into simple, relatable frameworks and make clients feel comfortable, safe, and cared for.3.) Build a Planning Journey, Not a One-Time PlanDelivering a plan is not the finish line, it's the starting line. When you walk clients through decisions one step at a time and commit to ongoing planning, you avoid overwhelm, deepen your relationship, and increase lifetime value.SHOW NOTEShttps://bradleyjohnson.com/150FOLLOW 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. TP12254981392See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this comprehensive episode, host Favour Obasi-ike, joined by guests Celese Williams, Dr. Fashion, and Ryan Dennis, cuts through the noise to deliver the five most essential SEO fixes small businesses must implement in 2026. Moving beyond abstract theory, the discussion provides a masterclass in actionable strategy, covering the non-negotiable foundations of site architecture, the currency of strategic link building, the revenue-killing impact of slow site speed, the power of dominating local search, and the technical integrations needed to get indexed and noticed by search engines.Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? 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Actively manage site speed through optimized hosting, a Content Delivery Network (CDN), and compressed media files.Dominate Your Geographic Area: For businesses serving specific areas, embedding location data (maps, zip codes, city names) directly into your site is crucial for capturing "near me"searches.Integrate to Accelerate: Directly connect your website to Google Search Console and Bing Webmaster Tools and manually submit new content to get indexed significantly faster than waiting for organic crawls.Detailed Show Notes & Timestamps[00:00:00] Introduction: Setting the Stage for 2026Host Favour Obasi-ike kicks off the new year by tackling the evergreen challenge of Search Engine Optimization. He frames "fixing" SEO not as a one-time task but as a continuous process of optimization that is fundamental to brand awareness, website traffic, and revenue growth. He provides an initial call to action, directing listeners to the link in the show description to book a consultation or subscribe to his email list for ongoing insights. With the stage set, the episode transitions into the first and most foundational technical fix for any small business website.[00:04:15] SEO Fix #1: Site Architecture - The Foundation of Your Digital PresenceSite architecture is the fundamental blueprint of a website, dictating how both users and search engine algorithms navigate, understand, and value its content. A strong architecture is the bedrockof any successful digital presence, ensuring content is organized, accessible, and easily discoverable.Key components of a robust site architecture include:Canonical Tags: A canonical tag tells search engines which version of a page is the "master copy," preventing duplicate content issues. As Favour Obasi-ike explains with the "Adam Apple"analogy, just as a person has one true name, your content must have one single, consistent identity recognized by search engines to avoid confusion.Image Optimization: Large, uncompressed image files are a primary cause of slow load times. Uploading images that are several megabytes in size will significantly degrade site performance and hurt search rankings.Link Health: Regularly checking for and fixing broken or duplicate links is essential for a clean and functional site structure.Website Updates: Using the "brushing your teeth" analogy, Favour Obasi-ike explains that keeping content and copyright dates current signals relevance. Search engines prioritize fresh, well-maintained content, and an outdated copyright date is a direct signal that a site may be abandoned or irrelevant.*Heading Tags (H1-H6):* Properly structured headings organize content for human readers and provide a clear hierarchy that helps search engines understand the main topics and subtopics of a page.URLs & Schema: Keyword-rich URLs (e.g., .../cookie-recipes) and schema markup (microdata for recipes, events, etc.) give search engines explicit context about a page's purpose, improving its chances of ranking for relevant queries.[00:14:30] Guest Spotlight: Celese Williams on Design, UX, and SEOGuest speaker Celese Williams distills her formula for a successful small business website into three core principles: simple design, easy user experience (UX), and findable SEO. She powerfully underscores this advice with her own success story, revealing that her "basic" but architecturally sound website generated $247,000 in revenue last year, proving that a solid foundation is more valuable than flashy design.With a solid architectural blueprint defined, the next strategic imperative is to establish realistic implementation timelines, which vary dramatically based on a business's starting point.[00:19:45] Strategy Session: SEO Timelines for New vs. Existing BusinessesDetermining a realistic timeline for SEO results is a common strategic challenge. The approach differs significantly for a business building its digital footprint from scratch versus one that is optimizing an existing but underperforming presence.Prospect ProfileProspect A: No online presence, thriving on referrals.6-12 Months: Building a digital foundation from the ground up requires significant time to establish authority, build content, and gain visibility. Favour Obasi-ike notes this timeline can be shortened to 3 months if a podcast is part of the strategy.Prospect B: Existing local presence, but not definitive.3-6 Months: Leveraging an existing foundation allows for a faster path to scalable results. The focus shifts from creation to optimization, building upon the authority the site already has.Celese Williams adds a critical counterpoint, emphasizing that industry competition is the ultimate "X factor" that can heavily influence any projected timeline. A business in a low-competition niche may see results faster, while one in a saturated market will face a longer road. From this high-level strategy, the focus shifts to the practical tactics of audience building across different platforms.[00:26:30] Community Q&A: Building a Social Media AudienceThis Q&A session addresses a common pain point for small businesses: how to efficiently build and maintain an audience across multiple social platforms without getting overwhelmed. The speakers offer a unified message centered on smart, focused distribution.Celese Williams' "Master a Few" Strategy:Trying to be on every platform is an unsustainable and difficult strategy.Businesses should focus on mastering the top 2-3 platforms where their target audience is most active and engaged.Dr. Fashion's "Smart Distribution" Method:She advocates for the "create once, distribute smartly" approach.This involves batch recording long-form content and using tools like repurpose.io to efficiently atomize and distribute it across various platforms, tailoring the hook for each audience.Favour Obasi-ike's "Ecosystem" Approach:He analyzes the importance of building a presence within a platform ecosystem like Meta (Facebook, Instagram, Threads, WhatsApp).He highlights the power of using long-form content, such as a podcast, as a source for dozens of micro-content pieces (clips, quotes, articles), which dramatically improves searchability and reach.[00:39:00] Case Study: The Power of Organic Keyword GrowthFavour Obasi-ike presents his own podcast as a powerful case study on the long-term value of consistent, high-quality content. He illustrates its organic keyword growth over just three months:Top 3 Keywords: Grew from 85 on October 13th to 198 in January.Top 10 Keywords: Grew from 91 on October 13th to 245 in January.Top 50 Keywords: Grew from 469 on October 13th to 1,196 in January.Top 100 Keywords: Grew from 238 on October 13th to 627 in January.This tangible growth demonstrates how a steady stream of relevant content creates a compounding interest effect on search visibility. The discussion on content distribution logically pivots back to a core SEO technical fix: the links that tie all that content together.[00:41:10] SEO Fix #2: Web Links - The Pathways to ProfitabilityLinks are the nervous system of a website, creating pathways that guide both users and search engines to valuable content. They are the currency of the internet, signaling authority and relevance.Favour Obasi-ike outlines a simple yet powerful three-step strategy for link building:Identify Core Products/Services: Begin with a clear understanding of what you sell. This focus will guide your keyword and content strategy.Embed Keywords in URLs: Create descriptive, keyword-rich URLs for every page (e.g., velvet.com/red-velvet-cookies). Avoid using "stop words" (like for, the, a), as they add no contextual value for search engines and make URLs longer and less focused.Match Social Posts to Website Links: Implement a *"1-to-1 match"* strategy. For every social media post you create, ensure there is a corresponding article or landing page on your own website. This ensures you are building authority for your domain, not just for the social media platform.Celese Williams enthusiastically endorses this approach, noting that SEO agencies charge clients $1,000 on the low end, up to $20,000-$30,000 on the high end for this exact strategy. However, a perfectly linked site is useless if it's too slow to load. This brings us to the third critical fix: optimizing for pure speed, a non-negotiable factor for both user retention and rankings.[00:52:15] SEO Fix #3: Site Speed - Winning the Race for AttentionIn 2026, website speed is a make-or-break SEO factor. A slow website directly harms user experience, increases bounce rates, kills conversions, and leads to lower search rankings. Google prioritizes sites that provide a fast, seamless experience for its users.Key actions for improving site speed include:Identify Performance Bottlenecks: Use a tool like GTmetrix.com to analyze your website's performance and get a baseline score.Optimize Hosting: Invest in a high-performance hosting platform that can handle your traffic and content demands.Leverage a CDN: A Content Delivery Network (CDN) stores copies of your site in multiple geographic locations, serving content from the closest server to the user, which drastically improves loading times for a global audience.Compress Images: Use a tool like compressor.io to significantly reduce image file sizes without sacrificing visual quality. This is one of the most effective ways to boost speed.From the technical dimension of speed, the analysis moves to the equally important geographical aspect of location.[00:57:45] SEO Fix #4: Location - Dominating Your Local MarketSince the vast majority of online searches have local intent (e.g., "tacos near me"), it is strategically vital for businesses to clearly signal their service area to capture nearby customers. Location-based SEO is not just for brick-and-mortar stores; it's essential for any business serving a specific geographic region.Actionable strategies for location optimization include:Integrate Map Links: Embed Google Maps and Apple Maps links directly on your website to provide clear location signals and improve user experience.Connect to Google Business Profile: A complete, updated, and active Google Business Profile is the cornerstone of local SEO. Ensure it is linked directly to your main website.Focus on a Target Radius: Optimize your content and keywords for a specific 5-20 mile radius to serve the most relevant local audience and avoid competing on a national level unnecessarily.Celese Williams strongly reinforces this point, advising that local service-based businesses must "master their own backyard" before even considering expansion. This on-page focus on location provides a natural bridge to the final, technical step of integrating the site with search engines.[01:02:10] SEO Fix #5: Integrations & Setup - Connecting to the Digital EcosystemThe final critical fix involves technical integration. This is not just a one-time setup step but the official act of submitting your website to search engines, ensuring your content gets seen, crawled, and indexed in a timely manner.The essential integration process includes:Connect to Google Search Console: This is the primary and non-negotiable step for submitting your site to Google, monitoring performance, and identifying technical issues.Submit Your Sitemap: A sitemap (sitemap.xml) is a file that lists all the important pages on your website. Submitting it through Search Console is like handing Google a complete directory, ensuring it knows what to crawl.Integrate with Microsoft Bing: By importing your Google Search Console profile directly into Bing Webmaster Tools, you can easily gain visibility on the world's second-largest search engine.[01:06:15] The "Fast Pass" Technique: Manual IndexingRyan Dennis and Celese Williams highlight a powerful tactic for new content. By manually requesting indexing for a new page in Google Search Console, you can effectively get a "fast pass" that prompts Google to crawl it within hours or a day, rather than waiting weeks for an organic crawl. Favour Obasi-ike adds a key detail: Google allows a daily quota of 10 manual indexing requests per website. This tactical discussion sets up the final Q&A, shifting from established SEO practices to the emerging influence of AI.[01:08:30] Community Q&A: The Role of AI in Content CreationThe episode concludes with a forward-looking discussion on a pressing question for 2026: is using AI for content creation a viable SEO strategy or a potential pitfall? The consensus is that AI is a tool, not a replacement for human expertise and authenticity.The speakers offer nuanced perspectives:Favour Obasi-ike's "Personalized AI" Stance: AI-generated content is only effective when deeply infused with human elements: brand tone, personal stories, case studies, and unique media. AI should be used for leverage, but the final product must align with Google's quality principles.Celese Williams' "Cautious Tester" Approach: She advises that businesses with strong SEO have more to lose and should be wary of AI, while those starting from scratch could test it. She raises a critical question about how AI aligns with Google's ranking systems. In response, Favour Obasi-ike highlights that Google updated its E-A-T framework to E-E-A-T, adding a new "E" for Experience. This update reinforces the need for human-led content, as AI cannot generate genuine, first-hand experience—a critical ranking factor in 2026.The ultimate takeaway is that AI is a powerful assistant, but it must be used to enhance—not replace—the unique experience, expertise, and emotion that only a human can provide.[01:19:00] Final Thoughts & How to ConnectFavour Obasi-ike wraps up the episode by reiterating the five critical SEO fixes that can transform a small business's digital presence. The primary call to action for listeners is to click the link in the show description to either book a direct consultation or access his comprehensive 12-hour training course, which is available with a 26% discount throughout January. He also recommends reading his recent article, "Is it worth hiring an SEO expert in 2026," also available via the link.Mentions & ResourcesPeople:Favour Obasi-ike (Host)Celese Williams (Guest Speaker)Dr. Fashion (Guest Speaker)Ryan Dennis (Guest Speaker)Tools & Platforms:Google Search Console: Google's free tool for monitoring website performance in search.Microsoft Bing Webmaster Tools: The equivalent of Search Console for the Bing search engine.GTmetrix.com: A website for testing and analyzing site speed and performance.Compressor.io: An online tool for reducing the file size of images.Repurpose.io: A tool for automating the distribution of content across multiple social platforms.SerpApi.com: A real-time SERP API to see what search results look like from any location.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Markets are hitting all-time highs, earnings expectations are rising, and investors are navigating everything from oil prices to Roth conversions. Lance Roberts & Danny Ratliff take live viewer questions and explore the themes investors are most focused on right now. Topics discussed include why earnings may be the primary market driver this year, what recent all-time highs signal for forward returns, and how capital flows are shifting across sectors and asset classes. We also examine oil markets—WTI pricing, energy stocks, Venezuela supply dynamics—and what the “sweet spot” for oil prices means for the broader economy. On the planning side, we address Roth IRA advantages and drawbacks, Roth conversions, RMD considerations, and asset allocation questions across different life stages, including retirement-focused portfolios. Additional discussion covers the growing disconnect between GDP and unemployment data, hidden consumer leverage through buy-now-pay-later programs, and how diversification differs from simply owning non-correlated assets. We also touch on factor rotation, bond ETF structure, metals like gold and silver, and whether certain defensive or out-of-favor sectors may eventually regain investor interest. 0:00 - INTRO 0:18 - Earnings to be The Big Driver this Year 5:45 - Markets Hit All-time Highs 9:23 - Economic Summit Preview & Danny's Holiday Recap 12:25 - WTI, XLE, and Venezuela Oil 17:51 - What is the "Sweet Spot" for Oil Pricing? 21:23 - Tax Advantages - Disadvantages of Roth IRA 24:38 - Where to Look for Capital Flows 27:08 - Roth Conversions & RMD's 28:27 - Commentary - Divergence Between Unemployment & GDP 31:10 - Unrecognized Debt - Buy Now - Pay Later is a Black Box 31:53 - Recommendations for 60-40 Allocations 35:03 - Example of Bond ETF's in SimpleVisor 38:57 - Factor Rotation Portfolio 41:54 - Diversification vs Non-Correlated Assets 44:46 - Silver, Gold, & Other Metals 45:51 - Back Door Roth Conversions 47:30 - Asset Allocations for Septuagenarians 50:18 - Are Packaged Food stocks Ever Coming Back? Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=EGgxAtaZIOI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=R8z27km9G1M&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "Financial Nihilism vs. Financial Planning," here: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketUpdate #StockMarketToday #MarketRisk #VIX #PortfolioManagement

Spending decisions aren't just financial—they reveal what, and whom, we value. That was the central insight Dr. Kelly Rush shared in today's conversation on Faith & Finance, where she unpacked the Old Testament story of Jonah through the lens of money and stewardship.Dr. Rush, Professor of Finance and Financial Planning at Mount Vernon Nazarene University, explained that Jonah's story isn't only about a prophet running from God. It's also a revealing case study in how financial choices often mirror the condition of the heart. Her core conviction is simple but challenging: every spending decision is a spiritual decision.According to Dr. Rush, money functions like a mirror. It reflects what we care about, what we trust, and what direction our hearts are moving. That principle, she noted, is woven throughout Scripture—and Jonah provides a surprisingly clear example.Many readers miss the fact that money appears twice in Jonah's short book. The first instance comes right at the beginning. When God calls Jonah to go to Nineveh, Jonah runs in the opposite direction. Scripture tells us that he paid the fare to board a ship to Tarshish. Dr. Rush noted that this is one of the few passages in the Bible where the cost of travel is explicitly mentioned. The detail matters. Jonah didn't just flee spiritually—he financed his rebellion. Running from God came at a financial cost.That decision didn't affect Jonah alone. When God sent a storm, the sailors were forced to throw their valuable cargo overboard to save their lives. Dr. Rush emphasized that poor stewardship rarely stays contained. Our financial and spiritual misalignment often impacts others—families, churches, workplaces, and communities. At the same time, she noted, faithful stewardship creates ripple effects of blessing.The story then turns. In Jonah chapter two, inside the fish, Jonah repents. He cries out to God and vows obedience. This time, Dr. Rush explained, Jonah's “payment” isn't money but repentance and follow-through. When Jonah's heart is realigned, his response changes as well. Repentance redirects both priorities and spending.Dr. Rush connected that pattern to modern life. Faithful follow-through today, she said, looks like honoring a budget, keeping commitments to generosity, giving as worship rather than obligation, and acting with honesty and integrity in saving, investing, and repaying debt. These practices aren't merely financial—they're spiritual expressions of trust and obedience.Budgets, Dr. Rush explained, tell a story. They put dollars and cents to what we prioritize and reveal whether we're seeking God's Kingdom or quietly running from Him. That can be uncomfortable—but it's also hopeful. Jonah's story is full of second chances. God didn't give up on Jonah, and financial mistakes don't disqualify us either.Dr. Rush closed with a practical starting point: begin with prayer, intentionally place generosity at the top of the budget, invite wise counsel, and remember that spending decisions are always spiritual decisions. Money tells a story—but by God's grace, it can be a story shaped for His glory.On Today's Program, Rob Answers Listener Questions:When I think of investing, I think of putting money into something that helps it grow. If I buy a stock that doesn't pay dividends, it can feel more like a speculative bet—just hoping the price goes up. Even if I'm a passive investor and don't benefit until I sell, does owning that stock actually help the company grow in a meaningful way, making it more of an actual investment rather than a bet?Resources Mentioned:Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on MoneyLook At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA)FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

More investors—especially Millennials and Gen Z—are treating markets like a casino. Not because they're reckless, but because the traditional path to financial security feels broken. Lance Roberts & Jonathan Penn break down Financial Nihilism vs. Financial Planning: why speculative behavior is rising, and what still works when confidence in long-term investing erodes. Options trading, crypto, meme assets, and betting apps offer fast outcomes in a world where housing is expensive, debt is high, and patience feels unrewarded. 0:00 - INTRO 0:19 - ISM Index Weaker than Expected 4:25 - Market Breadth Improves 8:51 - Two Dads on Money Holiday Recap 10:43 - What is 'Financial Nihilism'? 15:10 - The Path to "Getting Rich" 17:04 - What Capitalism is Built For 17:54 - Baby Boomer's, Millennial's, & Gen-Z 21:19 - What is "The American Dream"? 23:03 - Experience is a Good Teacher 28:03 - No One is Holding You Back 32:55 - The most Important Thing - The Savings Rate 37:15 - Cars & Collectibles 43:08 - Financial Nihilism is Not Real 45:45 - Car Financing & Debt Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=sttQ3aaH4Rc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "2026 Market Outlook: Bullish Momentum, Valuation Risks, and What Comes Next," here: https://www.youtube.com/watch?v=LxDnB-Z7mJI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketBreadth #SectorRotation #ValueStocks #MarketOutlook #StockMarketToday #FinancialNihilism #FinancialPlanning #InvestorBehavior #LongTermInvesting #WealthBuilding

Hiring doesn't have to feel risky, chaotic, or overwhelming—but for many advisors, it does. In this episode, Libby breaks down why hiring the wrong way is one of the biggest drivers of stress, frustration, and team dysfunction in advisory firms. Whether you're actively hiring or just thinking ahead, this conversation will help you step into your role as CEO, clarify what your business truly needs, and design a team structure that actually supports growth instead of creating more work. In this episode, you'll learn:Why hiring a person before defining the role often leads to burnout, confusion, and poor performanceHow to use a simple org chart exercise to identify role gaps, overlaps, and misaligned responsibilitiesThe difference between stewarding people and stewarding results—and how great leaders balance bothWhy more help isn't always the answer, and when clarity and systems matter more than another hireHow defining roles creates better onboarding, stronger accountability, and clearer growth paths for your teamHiring well starts long before interviews and job descriptions. When you design roles intentionally and align them with your vision, hiring becomes less stressful and far more effective. This episode will help you slow down, think like a CEO, and build a team that makes your business feel easier to run—not harder.Learn more about Claire's hiring process HERE!Learn more about the Group Coaching & Mastermind HERE! Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.

More investors—especially Millennials and Gen Z—are treating markets like a casino. Not because they're reckless, but because the traditional path to financial security feels broken. Lance Roberts & Jonathan Penn break down Financial Nihilism vs. Financial Planning: why speculative behavior is rising, and what still works when confidence in long-term investing erodes. Options trading, crypto, meme assets, and betting apps offer fast outcomes in a world where housing is expensive, debt is high, and patience feels unrewarded. 0:00 - INTRO 0:19 - ISM Index Weaker than Expected 4:25 - Market Breadth Improves 8:51 - Two Dads on Money Holiday Recap 10:43 - What is 'Financial Nihilism'? 15:10 - The Path to "Getting Rich" 17:04 - What Capitalism is Built For 17:54 - Baby Boomer's, Millennial's, & Gen-Z 21:19 - What is "The American Dream"? 23:03 - Experience is a Good Teacher 28:03 - No One is Holding You Back 32:55 - The most Important Thing - The Savings Rate 37:15 - Cars & Collectibles 43:08 - Financial Nihilism is Not Real 45:45 - Car Financing & Debt Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=-1qXRp9gLoc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- The latest installment of our new feature, Before the Bell, "Sector Rotation Signals Improving Market Breadth," is here: https://www.youtube.com/watch?v=sttQ3aaH4Rc&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Watch our previous show, "2026 Market Outlook: Bullish Momentum, Valuation Risks, and What Comes Next," here: https://www.youtube.com/watch?v=LxDnB-Z7mJI&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketBreadth #SectorRotation #ValueStocks #MarketOutlook #StockMarketToday #FinancialNihilism #FinancialPlanning #InvestorBehavior #LongTermInvesting #WealthBuilding

As the new year begins, Melissa Joy, CFP®, helps listeners slow down and reset before diving into financial to-do lists.In this solo episode, Melissa lays out seven financial planning themes to help guide decisions in 2026. After an intense year of headlines, market shifts, and economic noise, this conversation offers perspective and grounding for those navigating what she calls the “messy money middle.”Rather than reacting to the news cycle or trying to predict the future, Melissa focuses on practical planning themes — from diversification and human capital to tax changes, estate planning, and lifestyle pressures — all designed to help listeners approach the year ahead with clarity and flexibility.This episode is meant to level-set expectations and provide a thoughtful framework for anticipating a successful year with your money.In this episode, Melissa explores:Why diversification and rebalancing matter after a strong year for marketsHow international stocks, alternatives, and AI are shaping investment conversationsProtecting your human capital and preparing for potential job disruptionsEvaluating the return on investment when spending on skills and career developmentKey tax law changes and what they may mean for planning in the year aheadUpdates to retirement catch-up contributions and charitable giving rulesWhy estate planning still matters, even when estate taxes may not applyHow declining interest rates affect cash, savings, and investment decisionsDetermining how much cash to keep versus investNavigating lifestyle inflation and the financial realities of the sandwich generationThe previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING's investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING's current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:...

James Daniel, The Advisory Firm, on Comprehensive Financial Planning, Tax Strategies, and Planning for Retirement (North Fulton Business Radio, Episode 930) On this episode of North Fulton Business Radio, host John Ray welcomes James Daniel, owner of The Advisory Firm in Alpharetta. James discusses his journey from electrical engineer to day trader to financial planner, sharing […]

What if being intentional—not just optimistic—could transform your next 12 months? In this episode, Jackie Campbell shares five practical steps for building a solid financial plan: set SMART goals, create a written money plan, clean up your financial “messes,” prioritize self-care, and always keep learning. Discover how to protect your assets, plan for taxes, and prepare for life’s surprises with clear strategies that work at any stage. It’s a candid look at how small, intentional actions can make a big difference in your financial future. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Send us a textLooking back can be painful, especially if you've made a bad decision. This two year look back explores whether staying invested in stocks or selling and moving to the sidelines was the best decision two years ago.If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

What if one smart shift in your retirement plan could change your entire financial future? On this episode, Kevin Madden walks through real stories that reveal how rethinking traditional strategies can boost income, strengthen security, and simplify retirement planning. From guaranteed income options to modern tools like Monte Carlo simulations, Kevin shows how today’s retirees can build flexible, sustainable plans tailored to their lives and why personalized planning—not outdated rules of thumb—matters more than ever. Get Your Complimentary Retirement Roadmap Your roadmap will include: A retirement income strategy A test to see how long your money will last A tax-planning strategy See omnystudio.com/listener for privacy information.

In this episode, Micah and Matt discuss the critical importance of foundational principles in financial planning, emphasizing the need for advisors to understand the limitations of software and the value of manual planning. They explore the behavioral aspects of financial management, the journey to developing custom software, and the necessity of personal financial planning practice to enhance client relationships and service delivery. The Software Dilemma in Financial Planning [Episode 342] Resources in today's episode: - Micah Shilanski: Website | LinkedIn - Matt Jarvis: Website | LinkedIn - Learn More about our Coaching Programs

In this episode of Beer and Money, Ryan Burklo discusses the common misconception of financial progress, particularly among high earners who may feel stressed despite increasing net worth. He emphasizes the importance of building confidence in financial planning, understanding cash flow, and having clarity about one's financial situation. The conversation highlights the need for proactive financial management and the value of working with a financial advisor to navigate uncertainties and optimize financial outcomes.   Check out our website:  beerandmoney.net Find us on YouTube: https://www.youtube.com/@beerandmoney Subscribe to our newsletter: https://www.quantifiedfinancial.com/subscribe-now Check out our Instagram: https://www.instagram.com/ryanburklofinance?igsh=ZTJzN3Jnajd5M2Mw Ryan Burklo's LinkedIn profile: https://www.linkedin.com/in/ryanburklo/ Alex Collin's LinkedIn profile: https://www.linkedin.com/in/alexandercollins/ For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   #financialplanning #confidence #cashflow #lifestyle #financialadvisor #wealthbuilding #RSUs #marketswings #financialscorecard #financialprogress   Takeaways The illusion of financial progress can lead to stress. High income does not always equate to financial confidence. Spreadsheets show outcomes but not the full financial picture. Many people face a certainty problem rather than a money problem. Understanding cash flow is essential for financial planning. Optimizing finances requires clarity about lifestyle goals. Conversations about money with partners are crucial. Financial plans should adapt to changing circumstances. Knowing your financial situation can provide peace of mind. Proactive financial management helps in achieving desired outcomes. Chapters 00:00 The Illusion of Financial Progress 02:48 Building Confidence in Financial Planning 06:04 Understanding Cash Flow and Lifestyle 08:50 The Importance of Financial Clarity

The first Saturday episode of each month this year, we will focus on a key component of a financial plan – including spending, investing, insurance, retirement planning, estate planning, and taxes. If you follow along with us throughout 2026, you will end this year in the best financial shape possible — perhaps in the best shape you've ever been.First up is a healthy helping of “financial truth serum.” Robert Brokamp speaks with Foolish colleague and Certified Financial Planner Amanda Kish about the five steps to documenting all you own, all you owe, and where your money is going: 1. Choose a when and how2. Complete your full financial inventory3. Track your spending for 30 days4. Calculate your personal net worth5. Establish your “Financial Baseline Summary”Have your own tips, tricks, tools, and recommendations for tracking your net worth, spending, and progress? Email them to podcasts@fool.com by Tues., Jan. 6, and we may read your suggestions the following episode. Host: Robert BrokampGuest: Amanda KishEngineer: Bart Shannon Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, "TMF") do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode Learn more about your ad choices. Visit megaphone.fm/adchoices

SEO Secrets for 2026: A Deep Dive into Schema Markup, Structure, and Indexing with Favour Obasi-ike with Favour Obasi-Ike | Sign up for exclusive SEO insights.Happy New Year! This episode provides a focused, actionable roadmap for business and website owners aiming to dominate search rankings in 2026. It moves beyond basic SEO to reveal three foundational, yet often overlooked, strategies: two internal and one external.Favour synthesizes the strategy into a winning formula: Schema + Structure + Speed. A website that excels in these three areas becomes a "triple threat"—it's understood by algorithms, technically sound, and delivers a superior user experience, making it the preferred result in search.Call to Action: For professional SEO help, you can book a call at playinc.online, listen to the podcast at wedontplaypodcast.com, or contact the me via email (info@playinc.online). More resource links available below.Core Framework for 2026 SEO Success:Internal Secret #1: Master Schema MarkupWhat it is: Explicit code (microdata) that tells search engines and AI exactly what your content means (e.g., Article, FAQ, Product).Why it matters: It "future-proofs" your content by turning pages into structured assets that AI-driven search tools can understand and feature correctly. It's the essential language for communicating with modern algorithms.Internal Secret #2: Prioritize Logical Site StructureWhat it is: A clear, hierarchical blueprint for your website using heading tags (H1, H2, H3, etc.) in the correct, sequential order.Why it matters: It serves both crawlers and users. It guides algorithms through your content while creating an intuitive, trustworthy experience for visitors. A confused structure repels both.External Secret: Leverage Automatic IndexingWhat it is: A technical method using an API to submit thousands of pages per day to Google, bypassing the strict 10-URL daily limit of manual submission in Search Console.Why it matters: For content-rich sites, it ensures your work is efficiently seen and indexed by Google, preventing valuable content from being overlooked.Episode Timestamps[03:30] Internal Secret #1: Master Schema MarkupWhat it is: Explicit code that tells search engines and AI what your content means.Why it matters: It future-proofs content, turning pages into structured assets that modern algorithms and AI search tools can correctly understand and feature.[13:00] Internal Secret #2: Prioritize Logical Site StructureWhat it is: A clear hierarchy using heading tags (H1, H2, H3) in correct order.Why it matters: It guides search engine crawlers and creates an intuitive, trustworthy experience for human users. Poor structure confuses both.[22:00] External Secret: Leverage Automatic IndexingWhat it is: Using an API to submit thousands of pages/day to Google, bypassing manual limits.Why it matters: Ensures large volumes of content are efficiently seen and indexed. A case study showed 27% of a 17M-page portfolio indexed in two weeks.[29:30] Key Conclusion: The "Triple Threat" FormulaThe winning formula is Schema + Structure + Speed. This combination ensures a site is understood by algorithms, technically sound, and delivers a superior user experience.[31:00] Call to Action: For help, book a call at playinc.online, listen to the podcast, or contact the host via email/LinkedIn.Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about digital marketing services.>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As a new year begins, many financial resolutions start strong but fade quickly without a clear plan. In this episode of Wise Money, we break down five financial resolutions that actually create lasting progress, not just good intentions. From building a sustainable cash flow system to improving savings, tax strategy, protection, and long-term planning, we show how small, intentional steps can lead to meaningful change. Season 11, Episode 20 Download our FREE 5-Factor Retirement guide: https://wisemoneyguides.com/    Schedule a meeting with one of our CERTIFIED FINANCIAL PLANNERS™: https://www.korhorn.com/contact-korhorn-financial-advisors/ or call 574-247-5898.   Subscribe on YouTube: http://www.youtube.com/c/WiseMoneyShow Listen on podcast: https://link.chtbl.com/WiseMoney  Watch this episode on YouTube: https://youtu.be/WA7quSKMGTc  Submit a question for the show: https://www.korhorn.com/ask-a-question/   Read the Wise Money Blog: https://www.korhorn.com/wise-money-blog/    Connect with us: Facebook - https://www.facebook.com/WiseMoneyShow  Instagram - https://www.instagram.com/wisemoneyshow/    Kevin Korhorn, CFP® offers securities through Silver Oak Securities, Inc., Member FINRA/SIPC. Kevin offers advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. KFG Wealth Management, LLC dba Korhorn Financial Group and Silver Oak Securities, Inc. are not affiliated. Mike Bernard, CFP® and Joshua Gregory, CFP® offer advisory services through KFG Wealth Management, LLC dba Korhorn Financial Group. This information is for general financial education and is not intended to provide specific investment advice or recommendations. All investing and investment strategies involve risk, including the potential loss of principal. Asset allocation & diversification do not ensure a profit or prevent a loss in a declining market. Past performance is not a guarantee of future results. Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

Welcome to Season 12 of the We Don't PLAY!™️ Podcast show! Enjoy the latest instrumental for the show as we dive in shortly!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this Efficient Friday episode, Libby speaks directly to advisors who have spent the year learning, consuming content, and gathering ideas, but now need a clear path to action. She challenges you to stop over-educating and start implementing by creating intentional space on your calendar to actually get things done as you plan for 2026

"Trump Accounts" are being discussed as a new way to help children and young adults invest for the future—but are they a meaningful planning tool or simply clever branding? In this episode, we break down how Trump Accounts are structured, how they differ from traditional retirement and custodial accounts, and why return assumptions deserve careful scrutiny. We also discuss funding mechanics, diversification considerations, and what actually happens when a child reaches age 18. Importantly, we address what these accounts are not designed to do—including education planning, where 529 plans may remain more effective. Along the way, we share lessons on dollar-cost averaging, long-term ownership, and why financial literacy matters more than the wrapper itself. Finally, we zoom out to the bigger picture: using the new year as an opportunity to refresh your financial plan, revisit retirement contributions, understand SECURE Act changes, and begin thoughtful estate and legacy conversations. January may be a "no-fun" month, but it is one of the most important times to get organized and set the foundation for 2026 and beyond. 0:00 - INTRO 0:20 - Trump Accounts Overview - is it a con? How they're going to be structured, diversification; differences - requires separate form to establish Assumptions for returns are more than rosy; How to fund - 3:28 - Account acts like an IRA 11:21 - Where is the financial literacy associated with the accounts? 12:48 - The artistry in stock certificates 14:53 - How to convert the money - what happens when the child turns 18 18:02 - Not for education planning - 529 is better 19:09 - Rosso's McDonald's Stock ownership story 20:13 - Is this the time to start a fund when the market is at the top? 22:18 - The lesson of dollar cost averaging 24:52 - Setting up for 2026 - 26:43 - Revisit Retirement Contributions - set as high as possible 27:40 - Secure Act changes - Rothification; Gift of Introductory conversations about estate planning & will 32:34 - January is no-fun month; 34:16 - Assess relationship with financiel advisor, tax planner, etc. Knox Box financial organization tool Hosted by RIA Advisors Director of Financial Planning, Richard Rosso, CFP, w Senior Financial Advisor, Sarah Buenger, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=kjxe7xjaj74&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- REGISTER for our 2026 Economic Summit, "The Future of Digital Assets, Artificial Intelligence, and Investing:" https://www.eventbrite.com/e/2026-ria-economic-summit-tickets-1765951641899?aff=oddtdtcreator ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #FinancialPlanning #RetirementStrategy #InvestingEducation #WealthBuilding #RealInvestmentAdvice

We're here to wish you a very happy New Year! We hope you're ringing in the new year in good health and looking forward to what's ahead in 2026. As people are setting goals and making resolutions, we're re-running an episode today on the future of motivation. Last year, we sat down with Szu-chi Huang, an expert in motivation. She explained how science is changing our understanding of goal-setting and achievement, and offered a few tricks you can try when you feel stuck. We hope you'll tune in again today and pick up a few insights on how to sustain enthusiasm for your goals over time.Have a question for Russ? Send it our way in writing or via voice memo, and it might be featured on an upcoming episode. Please introduce yourself, let us know where you're listening from, and share your question. You can send questions to thefutureofeverything@stanford.edu.Episode Reference Links:Stanford Profile: ​​Szu-chi HuangConnect With Us:Episode Transcripts >>> The Future of Everything WebsiteConnect with Russ >>> Threads / Bluesky / MastodonConnect with School of Engineering >>> Twitter/X / Instagram / LinkedIn / FacebookChapters:(00:00:00) IntroductionRuss Altman introduces Szu-chi Huang, a professor of Marketing at Stanford GSB.(00:02:13) Studying MotivationSzu-chi shares what led her to study motivational science.(00:02:45) Defining MotivationMotivation as the drive to close the gap between current and ideal self.(00:03:39) The Science of MotivationStudying motivation through behavioral and neurological data.(00:04:30) Why It Matters in BusinessHow motivation science applies to leaders, teams, and customers.(00:05:21) The Motivation FrameworkThe strategies needed in order to stay motivated over time.(00:06:24) Journey vs. Destination MindsetThe different mindsets needed throughout the stages of motivation.(00:08:03) Motivating Kids to Choose HealthyCollaborating with UNICEF to study what motivates children.(00:09:37) Gamified Coupons in PanamaA study using gamified coupons to influence children's food choices.(00:13:08) Loyalty Programs as MotivationHow customer reward programs act as structured goal journeys.(00:15:29) Progress Versus PurposeThe different incentives needed in each stage of loyalty programs.(00:17:11) Retirement Saving LessonsHow financial institutions apply motivational science to long-term goals.(00:19:54) Motivation in Social ContextThe role of social connections in goal pursuit and sustaining motivation.(00:21:20) Support vs. Competition in Shared GoalsThe benefits and drawbacks of sharing goal journeys with others.(00:24:52) Designing Apps for MotivationHow redesigning user interfaces can help users stay motivated.(00:26:02) AI as a Motivation CoachUsing AI to personalize feedback across all stages of goal pursuit.(00:28:50) Starting and Sustaining a GoalPractical strategies for launching and sustaining a goal.(00:30:59) Conclusion Connect With Us:Episode Transcripts >>> The Future of Everything WebsiteConnect with Russ >>> Threads / Bluesky / MastodonConnect with School of Engineering >>>Twitter/X / Instagram / LinkedIn / Facebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

With almost 25 years of experience as a financial advising professional, Jeff Panik knows that his job is to help clients strike a balance between living well today and planning for the future. Jeff founded Balance Wealth Partners with a simple goal in mind: to create tailored plans for intentional living.Throughout his career, Jeff has worked with hundreds of families, individuals, and small businesses to help them set goals, strategically manage their assets, and work towards achieving their dreams. The first in his family to attend college, Jeff attended Duquesne University in Pittsburgh, PA. After graduating, Jeff enlisted in the U.S. Army, spending much of his service in South Korea and later at Fort Bragg in North Carolina. When Jeff completed his service, he was honorably discharged and began working as a Financial Advisor trainee at a large brokerage firm. Jeff has worked at both large investment and independent financial planning firms, and today believes that being independent allows him to offer the personalized service and independent financial advice his clients need and deserve.CONTACT DETAILS: Email: jeff@balancewealthpartners.com Business: Balance Wealth PartnersWebsite: www.jeffreypanik.com                www.balancewealthpartners.com Social Media:LinkedIN - www.linkedin.com/in/jeffpanik/ Remember to SUBSCRIBE so you don't miss "Information That You Can Use." Share Just Minding My Business with your family, friends, and colleagues. Engage with us by leaving a review or comment on my Google Business Page. https://g.page/r/CVKSq-IsFaY9EBM/review Your support keeps this podcast going and growing.Visit Just Minding My Business Media™ LLC at https://jmmbmediallc.com/ to learn how we can help you get more visibility on your products and services. 

As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.(00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.RETIREMENT TOOLKIT(03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.(05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.RETIREMENT LIFE LAB(13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.ROCKING RETIREMENT IN THE WILD(19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.FOCUSING FORWARD: A WORD FOR 2026(21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.(28:40) Roger reveals his own word for 2026.SMART SPRINT(34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.CLOSING THOUGHTS(34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer ManFinancial Calculators from Dinkytown.net

What do fighter pilots and financial advisors have in common?More than you might think—especially when it comes to performing under pressure.In this episode, I sit down with Carey Lorhenz—the first female F-14 Tomcat fighter pilot in U.S. Navy history—to talk about how the Navy trains people to perform in high-stakes environments without leaving success to chance. We get into simulation training before live reps, checklists built for people under pressure (because even really smart people forget things), and why debriefing is one of the fastest ways to build trust and alignment on a team.If you're building an advisory team, trying to develop younger advisors, or tired of repeating the same mistakes as a firm, this episode gives you a playbook you can actually use.3 of the biggest insights from Carey…#1.) Training Should Look More Like SimulationIn the Navy, pilots don't get thrown into real situations and told to figure it out. Carey explains why so much time is spent in academics and simulators—and why skipping this step is where a lot of advisor training breaks down.#2.) Checklists Exist Because People ForgetChecklists aren't about being rigid. They're about performing when pressure is high. Carey breaks down how the Navy designs checklists for stressed humans—and why the same thinking applies to client meetings and important conversations.#3.) The Debrief Is Where Teams Actually Get BetterCarey walks through a simple five-question debrief that builds trust, surfaces blind spots, and transfers knowledge fast—so teams improve week over week instead of repeating the same mistakes.SHOW NOTEShttps://bradleyjohnson.com/149FOLLOW 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.

From the imposition of sweeping tariffs to Nvidia becoming the first $4 trillion — and later $5 trillion — market cap company, 2025 was an eventful year with much to take in. In this episode, Peter and Jeff discuss the Magnificent 7's recent performance, the future of AI, where interest rates might be headed and more. Plus, each provides a tip of the month to help support your well-being in the year ahead.Hosted by Creative Planning's Director of Financial Planning, Jeff Stolper, and President, Peter Mallouk, this podcast takes a closer look into topics that affect investors. Included are in-depth discussions on financial planning issues, the economy and the markets. Plus, you won't want to miss each of their monthly tips!Important Legal Disclosure: creativeplanning.com/important-disclosure-information/Have questions or topic suggestions? Email us @ podcasts@creativeplanning.com

SEO Expert vs. SEO Agency: Making the Right Choice for Your Business (Decision Makers Edition) with Favour Obasi-ike with Favour Obasi-Ike | Sign up for exclusive SEO insights.Episode SummaryBusiness decision-makers constantly face the challenge of choosing between a solo SEO expert and a full-service SEO agency to drive their online growth. In this episode, host Favour Obasi-ike is joined by guests Marc McIntosh, (G.A.) Pimpleton, and Jolanta Kissoon Young to demystify this critical choice.The discussion unpacks the distinct roles of each provider, revealing that an expert acts like a specialist "doctor" for targeted advice, while an agency serves as a holistic "coach" for comprehensive execution. The conversation also ventures into the dark side of the industry, exposing common pitfalls and scams with firsthand accounts of fraudulent practices.Finally, the group provides a concrete, actionable framework for vetting a trustworthy partner, emphasizing the non-negotiable need for proven results and the power of earned trust to ensure your SEO investment translates into real business growth.Read New SEO Article: Is It Worth Hiring an SEO Expert in 2026? [Table Comparison]Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about digital marketing services.>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Key Takeaways for Business LeadersFirst, define your need before you hire. The most critical first step is to align your business stage with the right provider. An SEO expert is ideal for startups or businesses needing strategic advice, specialized audits, or tactical guidance ("seeing where the needle is"). A full-service agency is better suited for mid-to-large companies that require an aggressive, multi-disciplinary growth strategy and hands-on implementation ("moving the needle").Second, "receipts" are non-negotiable. Do not hire a provider based on promises alone. Demand tangible proof of their competence and impact. Ask for detailed case studies, analytics, and data—what G.A. calls "receipts"—that show where past clients in your industry started and where they finished. This data should clearly demonstrate an increase in revenue, reach, and other key business metrics.Third, trust is earned through value. The most reliable and effective SEO partners are often those who don't rely on aggressive advertising. As Marc argues, trust is built over time. Seek out experts and agencies who freely educate their audience through podcasts, blogs, or online communities. This demonstrates genuine expertise, builds a foundation of trust, and proves they are more focused on delivering value than just making a sale.Detailed Episode Breakdown & Timestamps1. Introduction: The Core DilemmaStarting at 00:00, host Favour Obasi-ike opens the discussion by framing the critical decision business owners face: whether to engage a freelance SEO expert or a larger SEO agency. He emphasizes the strategic importance of this choice, noting that it can define a company's digital foundation and shape its future growth trajectory.At 01:15, Favour Obasi-ike provides an initial breakdown of the fundamental differences, describing an expert as a specialist focused on a specific problem, while an agency covers a comprehensive range of needs. He also introduces the idea that, under specific circumstances, the two can work together effectively.At 03:30, two primary scenarios for collaboration are detailed: an expert can augment an agency's team with specialized skills for a particular project, or an expert can be brought in to provide a "third eye" perspective for an established in-house team, offering an outside view to improve internal processes.With the core dilemma established, the discussion moves to the crucial task of matching your specific business needs to the right provider model.2. Differentiating Roles: The Doctor vs. The CoachBeginning at 05:00, the conversation highlights that to make a smart investment, you must first diagnose your own needs. This section provides a clear framework—the "Doctor vs. the Coach"—to help you distinguish between the need for tactical advice versus comprehensive execution and align your specific requirements with the right type of service provider.At 06:45, the conversation compares the two roles using a clear analogy: the expert is like a doctor who diagnoses and prescribes, while the agency is like a coach who manages the team and executes the game plan. The SEO Expert, or "Doctor," acts as a consultant or specialist who provides tactics and strategies, helping you "see where the needle is." They typically cost between $500 to $3,000+ per month on average. The SEO Agency, or "Coach," provides a full team for execution and acts as the "backbone of your brand online," actively "moving the needle" for you with a robust, multidisciplinary approach.At 09:10, Favour Obasi-ike explains the concept of an SEO agency acting as the technical "backbone" for a brand online. An agency is responsible for a wide array of needs, from generating traffic and performing technical fixes to assisting with branding, backlinks, and local SEO.At 11:25, clear advice is given on when to hire each: an expert is ideal for those just starting out who need to learn the ropes and get strategic direction. In contrast, an agency is necessary for mid-to-large businesses or well-funded startups that require an aggressive, multifaceted growth strategy.While understanding the ideal roles is essential, the real risk lies in the industry's dark side. The speakers now pivot to the critical red flags that can save a business from costly mistakes.3. Industry Pitfalls: Scams, Red Flags, and Cautionary TalesAt 15:30, the conversation shifts to address the "bad rep" of the SEO industry, highlighting why business owners must be exceptionally vigilant. This segment underscores the importance of recognizing red flags to avoid wasting money, losing time, and protecting critical company assets like websites and data.At 17:00, G.A. shares his negative experiences with agencies, explaining his preference for direct, one-on-one relationships. He recounts a client's horror story where a previous agency held their website and data hostage, making it nearly impossible to transition to a new provider and regain control of their own intellectual property.At 20:15, Marc McIntosh offers a powerful anecdote about a new client who had been paying a significant sum for "SEO services" but did not even have Google Analytics or Google Search Console connected to their site—a fundamental flaw. He warns against providers selling overpriced, templated services and using fake bot traffic to manipulate reports and create the illusion of progress.At 24:50, G.A. describes a common scam in his industry where companies buy recycled, low-quality leads from "SEO experts" who use impressive-sounding buzzwords like "quantum computing" to sell ineffective, boilerplate services that fail to deliver genuine clients.Recognizing the scams is half the battle; the other half is proactively identifying a trustworthy partner. The conversation now provides a practical vetting framework to do just that.4. Vetting a Partner: How to Find a Trustworthy ProviderStarting at 28:00, and armed with an understanding of the risks, this section delivers a practical toolkit for due diligence. Follow these systematic steps to move beyond a provider's sales pitch and verify their true capabilities, establishing a successful and transparent partnership from the start.At 29:30, the speakers collectively outline actionable steps for vetting any potential SEO provider.First, ask probing questions. Favour Obasi-ike suggests asking specific operational questions to gauge professionalism and process, such as: "What is your tech stack?", "How do you handle sensitive data and passwords?", and "How do you work as a team?".Second, demand "receipts" (proof of work). Synthesizing advice from the panel, this point stresses the need to see hard evidence. Demand what GA calls "receipts"—case studies, analytics, and performance data showing where clients started and finished. Additionally, as H advises, ensure these case studies explain the strategy behind the results, demonstrating their understanding of your industry.Third, check their own fundamentals. Marc provides a simple but effective tip: audit the provider's own website for basic SEO health. If they have fundamental errors like multiple H1 tags (Mark's example) or an outdated copyright date (Jolanta's example), it's a major red flag.Fourth, verify their authority. Look for tangible proof that they are a genuine expert in their field. A credible provider often has a presence on platforms like LinkedIn, hosts a podcast, writes a blog, or runs a community where they actively share knowledge and engage with their industry.Fifth, prioritize referrals and earned trust. Marc makes a compelling argument that the best partners are found through trusted referrals, not advertisements. He advises following potential experts over time. Those who consistently teach and give value freely are building genuine trust, making them a much safer and more reliable choice.A thorough vetting process is the best defense against industry scams and serves as the foundation for a fruitful, long-term relationship.5. Final Thoughts & Resources MentionedAt 45:00, the final segment wraps up the discussion by covering specific tools and platforms that can aid in SEO efforts. This reinforces the core idea that successful SEO is not a one-time fix but an ongoing, dynamic process of learning, implementation, and adaptation.At 46:15, the discussion touches on leveraging specific platforms for greater reach. In response to Jolanta's question, Favour Obasi-ike explains that Pinterest is a powerful visual search engine, not just a social media platform. Because the lifespan of a "pin" is 3.5 months to 5 months (compared to 19-72 hours for an Instagram post), content published there continues to drive traffic and build authority for a brand long after it's posted.At 52:30, the tools and platforms mentioned throughout the episode include: ClickUp, Zoom, Google Search Console, Google Analytics, ChatGPT, LinkedIn, Clubhouse, and Pinterest.At 55:00, Favour Obasi-ike closes the episode with a final call to action, encouraging listeners to connect with him directly via the link in his bio to turn the insights from the conversation into concrete action for their businesses.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this special Mailbag episode, Mark responds to real listener questions that get to the heart of retirement planning. The conversation explores how risk changes in retirement, why income reliability matters more than market timing, and how to balance financial efficiency with peace of mind. Mark also explains why working with the right advisor can add value even when you feel financially secure. Here's some of what we discuss in this episode:

Hi and welcome to The Long View. I'm Christine Benz, director of personal finance and retirement planning for Morningstar. On this week's episode, we will feature some of our favorite clips from interviews we have done with financial planners, advisors, and retirement researchers over the past year. It's a counterpart to a previously released “Best Of” episode that was all about investing. As usual, we delved into the topic of psychology and money, and the importance of tuning out the noise if you're a long-term investor.“JL Collins: The (Still) Simple Path to Wealth,” The Long View podcast, Morningstar.com, July 1, 2025.“Charley Ellis: Indexing Is a Marvelous Gift,” The Long View podcast, Morningstar.com, Aug. 5, 2025.“Larry Jacobson: ‘The Good Things in Our Life Are What Get in the Way of Great Things,'” The Long View podcast, Morningstar.com, Sept. 16, 2025.“Dan Haylett: ‘The Retirement You Didn't See Coming,'” The Long View podcast, Morningstar.com, Nov. 18, 2025.“Kerry Hannon: What Gen Xers Need to Know About Their Retirement Plans,” The Long View podcast, Morningstar.com, Sept. 30, 2025.“Carl Richards: The Case for ‘Deeply Human' Financial Advice,” The Long View podcast, Morningstar.com, Oct. 21, 2025.“Dana Anspach and Fritz Gilbert: ‘This Is What a Joyful Retirement Could Feel Like,'” The Long View podcast, Morningstar.com, Sept. 23, 2025.“Barry Ritholtz: ‘How Not to Invest,'” The Long View podcast, Morningstar.com, Oct. 7, 2025.“Nick Maggiulli: Climbing the Wealth Ladder,” The Long View podcast, Morningstar.com, July 22, 2025.“Doug and Heather Boneparth: How Couples Can Find Financial Harmony,” The Long View podcast, Morningstar.com, Oct. 28, 2025.“Ramit Sethi: ‘We Have to Make Money Fun and Connective,'” The Long View podcast, Morningstar.com, March 4, 2025.“Beth Pinsker: Lessons From ‘My Mother's Money,'” The Long View podcast, Morningstar.com, Nov. 4, 2025.“Jean Chatzky: What Women Need to Do Differently With Their Money,” The Long View podcast, Morningstar.com, April 8, 2025.“Sahil Bloom: ‘Curiosity Is the Fountain of Youth,'” The Long View podcast, Morningstar.com, Feb. 4, 2025. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Libby Greiwe of The Efficient Advisor shares a candid and powerful conversation about building a successful advisory business without sacrificing your life, values, or well-being. From working through burnout to redefining success on her own terms, Libby opens up about resilience, boundaries, and what it really takes to create a business that supports the life you want. This episode is packed with honest reflections, practical wisdom, and encouragement for advisors who want more than just growth for growth's sake

Send us a textThe end of the year is a great time to look forward and backward to evaluate where you've been, and where you're going!If you'd like to be a part of a free online retirement community, join us on Facebook: https://www.facebook.com/groups/399117455706255/?ref=share

THE BENEFITS OF STARTING FINANCIAL PLANNING EARLY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post | CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Senior Financial Planner, BWFA About This Episode Starting financial planning early can make a meaningful difference over time. Learn why early action creates flexibility, confidence, and long-term opportunity. Full Description Financial planning is often viewed as something to address later in life, once income increases or major milestones approach. In reality, starting early can provide significant advantages that compound over time. The earlier planning begins, the more flexibility individuals have to adapt, adjust, and stay aligned with their goals. In this episode of Healthy, Wealthy & Wise, Larry and Tyler discuss why early financial planning lays a strong foundation for long-term success. They explain how starting early allows individuals to take advantage of compounding, build healthy financial habits, and make thoughtful decisions without unnecessary pressure. The conversation highlights how early planning is not about perfection, but direction. Establishing clear priorities, understanding cash flow, and setting realistic goals can help individuals navigate life changes with greater confidence. Early planning also creates room to course-correct as circumstances evolve, rather than reacting under time constraints later on. Larry and Tyler also emphasize the value of education and consistency. Small steps taken early can have an outsized impact over time. Whether planning for retirement, managing debt, or preparing for future expenses, starting early allows planning decisions to work together more effectively. Rather than waiting for a “right time,” this episode encourages listeners to view financial planning as an ongoing process that grows alongside them. Early planning supports better decision-making and helps reduce stress as goals become more defined. At BWFA, we help individuals and families build financial plans that evolve with each stage of life. This episode reinforces the importance of starting early and staying engaged over time. To learn more about building a financial plan that fits your goals, visit BWFA's Financial Planning Services.

PASSING A HOME TO THE NEXT GENERATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Thad Ismart | CFP®, ChFEBC, CEPS  Senior Financial Planner About This Episode A Qualified Personal Residence Trust, or QPRT, can be a powerful estate planning tool for transferring a home while managing estate taxes. Learn how it works and when it may be appropriate. Full Description Transferring a home to the next generation can be one of the most complex parts of estate planning. Between emotional attachment, tax considerations, and long-term planning goals, families often struggle to find the right approach. A Qualified Personal Residence Trust, commonly known as a QPRT, is one option that may help address these challenges. In this episode of Healthy, Wealthy & Wise, Thad Ismart, CFP®, ChFEBC, CEPS, explains how QPRTs work and why they are sometimes used in estate planning strategies. He outlines how a QPRT allows a homeowner to transfer a residence out of their estate while continuing to live in the property for a specified period of time. If structured properly, this approach can help reduce the taxable value of the estate. The discussion also highlights important considerations and potential risks. QPRTs are not a fit for every family, and they involve long-term commitments that should be carefully evaluated. Factors such as life expectancy, future housing needs, and changes in tax law all play a role in determining whether a QPRT makes sense. Thad emphasizes the importance of coordination between estate planning, tax strategy, and overall financial goals. Decisions involving property transfers should never be made in isolation. Understanding both the benefits and limitations of a QPRT helps families avoid unintended consequences. At BWFA, we work with clients and their estate planning professionals to ensure advanced strategies align with their broader financial picture. This episode provides a practical overview of QPRTs and their role in thoughtful estate planning. To learn more about estate planning strategies, visit BWFA's Financial Planning page.

Key highlights from the episode:0:00 – Introduction  4:00 – The emotional toll of moving your practice and why vague deal ranges make it worse  6:45 – Real examples of how inflated promises derail transitions and waste time  9:55 – What advisors should demand up front to ensure accurate pro formas and offers  16:30 – Why working with the right consultant can maximize your deal value and prevent costly mistakes  36:35 – Closing thoughts & contact info  If you're considering a transition, don't let hype or half-truths guide your decision. Learn how to spot red flags, negotiate effectively, and choose a firm that truly supports your business.--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/

Ian Jones (@iansjones) is a Pittsburgh-based commercial photographer and creative strategist known for crafting bold, story-driven visuals for brands and businesses, with a focus on content that connects, performs, and stands out.Expect to Learn: How to tactfully ask potential clients about their current marketing effortsThe importance of educating clients about what they're missing from or overpaying to social/marketing agenciesHow to create mock-up ads or showcase relevant portfolio work that demonstrates your capabilitiesHow being a local creator can give you an edge over large marketing agenciesHow explaining your process can help win over clients who may feel jaded by previous experiences.Ian's Website: https://www.isjdesigns.com/Sponsors:Thanks to WhiteWall for being our lead sponsor this episode! They're the top choice for photographers who want the highest-quality prints! Use the code TPM2025 at checkout for 15% off: https://www.whitewall.com/Our Links:Join our subreddit where you can share stories and ask questions:https://www.reddit.com/r/photographermindset/Subscribe to TPM's Youtube page and watch full length episodes: https://www.youtube.com/thephotographermindset/Make a donation via PayPal for any amount you feel is equal to the value you receive from our podcast episodes! Donations help with the fees related to hosting the show: https://paypal.me/podcasttpm?country.x=CA&locale.x=en_USThanks for listening!Go get shooting, go get editing, and stay focused.@sethmacey@mantis_photography@thephotographermindsetSupport the show

In this podcast episode, host Favour Obasi-Ike sits down with international conflict management expert Dr. Nashay Lowe to reveal how AI can serve as the ultimate mirror, reflecting our hidden biases and transforming how we communicate.Episode SummaryThis conversation delves into the strategic importance of understanding Artificial Intelligence not merely as a technological advancement, but as a transformative tool for enhancing professional communication, streamlining problem-solving, and fostering profound self-reflection. Dr. Nashay Lowe guides us through the necessary mindset shift required to harness AI's power, moving beyond skepticism to see its potential as an indispensable partner in complex human endeavors.The discussion charts a journey from initial resistance to a nuanced appreciation of AI's role in the modern workplace. Favour Obasi-Ike and Dr. Nashay Lowe dissect the common fear that AI will replace human jobs, reframing the technology as a "power tool" that augments human capability rather than rendering it obsolete.Dr. Nashay Lowe states that the real professional risk isn't being replaced by AI, but by a colleague who masters it. The conversation culminates in a powerful central metaphor: AI as an objective mirror. As Dr. Nashay Lowe states, "Conflict reveals who we are, it doesn't create our divisions it reflects them." In the same way, AI offers a unique ability to reflect our communication patterns and strategic gaps without the inherent lens of a human observer.Ultimately, the episode reveals that AI's effectiveness is entirely dependent on human guidance. Through skillful prompting, critical questioning, and a commitment to ethical use, professionals can leverage AI to see their challenges, and themselves, with unprecedented clarity. This episode provides a compelling roadmap for anyone looking to integrate AI thoughtfully into their work.These are the essential insights you need to navigate this new landscape.Key TakeawaysThis section distills the most critical and actionable insights from the conversation with Dr. Nashay Lowe. These takeaways serve as foundational principles for any professional seeking to adapt to and thrive in an increasingly AI-integrated world, transforming a complex technology into a practical asset for growth and efficiency.AI is an Evolutionary Tool, Not an EnemyResisting AI is akin to resisting the adoption of computers or smartphones—a futile effort against an inevitable technological evolution. The true professional threat is not being replaced by AI itself, but by someone who masters AI as a tool to work more efficiently and effectively. Adaptation is no longer optional; it's a core professional competency.AI Serves as an Objective MirrorThe most powerful application of AI in subjective fields like conflict management is its ability to act as a mirror to our own communication patterns, biases, and choices. By analyzing language and scenarios without a human's inherent emotional or experiential lens, it can reveal subtle tensions, repetitive biases, and strategic blind spots that we might otherwise miss.Human Input Dictates AI OutputThe value of AI is not in the technology alone, but in the user's ability to guide it. Dr. Nashay Lowe emphasizes the necessity of iterative prompting, asking critical questions, and providing specific context to achieve nuanced results. A generic prompt yields a generic answer; a thoughtful, challenging prompt unlocks a deeper level of analysis and creativity.AI Can Augment, But Not Replace, EmpathyWhile AI lacks genuine consciousness or empathy, it serves as an invaluable diagnostic tool. Dr. Nashay Lowe powerfully argues that AI can remind us where empathy is missing in our strategies and communications. It can highlight a failure to consider another perspective or identify language that lacks warmth, prompting the human user to inject the necessary emotional intelligence.The User is the Ultimate Guardian of PrivacyAs AI systems become more deeply integrated with our personal and professional data streams, the user's responsibility grows exponentially. The conversation highlights the valid paranoia around connecting AI to sensitive information. The key takeaway is that the user must proactively manage data connections and maintain confidentiality, for instance, by using anonymized scenarios rather than identifiable information.These core principles provide a framework for leveraging AI not just as a machine, but as a partner in professional development.Detailed Episode Timestamps & NotesThis structured guide provides a detailed breakdown of the episode's key moments and discussions. Use these timestamps to navigate directly to the topics and insights that are most relevant to your professional journey.[00:00:00] Introduction: The Power of Human ConnectionHost Favour Obasi-Ike and Dr. Nashay Lowe reflect on their meeting in Las Vegas, emphasizing how valuable real-world, in-person connections are for creating professional opportunities, including this very podcast episode.[00:02:15] Meet Dr. Nashay Lowe: Proactive Strategy Over Reactive Problem-SolvingDr. Nashay Lowe outlines her background in international conflict management and her current mission. She applies global frameworks to local conflicts in academic and nonprofit sectors, aiming to shift leaders from "putting out fires" to implementing proactive strategies. Her goal is to create long-term, healthy habits rather than relying on ineffective "one-off" workshops.[00:04:30] Navigating AI Skepticism: A Necessary Mindset ShiftDr. Nashay Lowe addresses the common resistance to AI, framing it as a crucial mindset shift. She draws parallels to the initial skepticism surrounding cell phones and computers, arguing that AI is an evolving tool that will inevitably become integrated into every aspect of our lives. Adaptation is key.[00:06:45] The AI & Human Partnership: More Power Tool, Less ReplacementThe conversation reframes AI not as a replacement for humans, but as a tool that enhances efficiency. Dr. Nashay Lowe shares a powerful analogy from her partner, comparing the evolution of work to building a house with a hammer and nail versus a power tool, the goal is the same, but the right tool makes the process faster and more efficient.[00:10:10] AI in Conflict Management: Reflecting Our DivisionsThis segment explores the episode's central thesis. Dr. Nashay Lowe explains, "Conflict reveals who we are, it doesn't create our divisions it reflects them. And so artificial intelligence to me works much of the same way." She argues that AI can serve as an objective mirror in the subjective process of conflict resolution, identifying patterns and biases that a human mediator, operating through their own lens, might overlook.[00:14:00] The Emerging Frontier: AI as a Therapeutic ToolDr. Nashay Lowe notes the surprising trend of people using generative AI like ChatGPT for therapeutic purposes. She shares an anecdote about users having "meltdowns" on TikTok after a software update made the AI seem less "nice," underscoring the complex, human-like relationships people are beginning to form with the technology.[00:17:30] Using AI Responsibly: The Art of the PromptThis section focuses on the principle that AI's output is only as good as its input. Dr. Lowe explains the importance of prompting AI to challenge your assumptions ("Don't confirm what I'm already telling you") rather than simply validating them. Responsible use involves an iterative process of refining the AI's output with specific human feedback.[00:20:45] Privacy vs. Progress: The Security DilemmaDr. Nashay Lowe addresses the valid security and privacy concerns surrounding AI's integration with personal data like emails, calendars, and financial accounts. She contrasts this risk with a practical strategy for maintaining confidentiality in her work: using anonymized scenarios ("Person ABC") to analyze conflicts without exposing personally identifiable information.[00:25:00] Crafting Dialogue: A Masterclass in SpecificityDr. Nashay Lowe provides a masterclass on using AI to develop communication scripts. Her method involves giving the AI a specific persona ("You are a 25-year vet in conflict management") and, crucially, directing it to pull information from credible, specific sources like peer-reviewed journals. She continually refines the output with detailed feedback until it meets the desired tone and substance.[00:30:10] Dr. Lowe's Core Message: A Reminder Where Empathy is MissingDr. Nashay Lowe delivers her powerful final takeaway. She concludes that AI can never replace essential human qualities like presence, listening, or humility. However, its greatest strength is its ability to "hold a mirror to our communication patterns and ask without judgment, 'Is this how you're meant to show up?'"Learn more about this episode's insightful guest in the section below.About Our GuestThis episode features the expert insights of Dr. Nashay Lowe, a strategist dedicated to transforming how leaders approach conflict and organizational health.Dr. Nashay Lowe is a specialist in international conflict management who applies global frameworks to solve local challenges. She works primarily with academic and nonprofit leaders to help them shift from reactive problem-solving to building proactive strategies for long-term success. With a focus on creating healthier, sustainable habits within organizations, Dr. Nashay Lowe is currently exploring the cutting edge of her field by integrating Artificial Intelligence as a tool to foster more objective, effective, and positive change.Resources & Ways to ConnectConnect with Dr. Nashay Lowe:Website: https://www.loweinsights.comPodcast: The Resolution RoomInstagram: @loweinsightsLinkedIn: Nashay LoweNext Steps for Booking A SEO Discovery Call | Digital Marketing + Done-for-you SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? 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This Clubhouse marketing session explores the multifaceted world of Restaurant SEO and its application to local businesses. Favour details how establishing a strong digital presence through third-party platforms like Uber Eats and DoorDash creates a "franchise SEO" ecosystem that builds brand authority. The discussion emphasizes off-page strategies, such as connecting Google Business profiles and social media links, to drive traffic and foster community trust. Participants also examine the role of multimedia content, suggesting that podcasts and videos can humanize a brand by showcasing chef interviews or cooking processes. Beyond restaurants, the conversation expands to cover niche industries like private investigation, highlighting how AI-driven search and reputation management are reshaping modern visibility. Ultimately, the sources advocate for a strategic blend of long-term organic growth and immediate paid advertising to maintain a competitive edge.Restaurant SEO: Uber Eats, Grubhub and DoorDash Marketing Tactical Strategies with Favour Obasi-ike with Favour Obasi-Ike | Sign up for exclusive SEO insights.-------------------------------------------------------------------------Next Steps for Booking A Discovery Call | Digital Marketing + SEO Services:>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠ here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Visit our Work and PLAY Entertainment website to learn about our digital marketing services.>> Visit our Official website for the best digital marketing, SEO, and AI strategies today!>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our exclusive SEO Marketing community⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> Read SEO Articles>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Need SEO Services? Book a Complimentary SEO Discovery Call with Favour Obasi-Ike⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠>> ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the We Don't PLAY Podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠-------------------------------------------------------------------------Episode Timestamps[00:00:00] Introduction: Defining Restaurant SEOThe discussion begins by establishing that "Restaurant SEO" is not a unique discipline but rather a specialized application of local SEO. This foundational understanding is critical for any business reliant on a physical location for customer visits, from restaurants and local stores to farm markets. At [00:01:15], the host defines Restaurant SEO as local SEO with a "restaurant tag" on it, emphasizing its importance for driving traffic, generating tangible results, and gathering customer feedback—all vital for a local establishment's growth.By [00:03:30], the conversation introduces two key strategies for extending a restaurant's online reach. The first is Franchise SEO, which involves leveraging third-party platforms with active communities, such as DoorDash, GrubHub, OpenTable, and NextDoor. Listing a restaurant on these services creates powerful backlinks to its primary website, enhancing its authority. The second is Off-Page SEO, which refers to activities on other digital platforms, primarily social media sites like Facebook, Instagram, and TikTok. Connecting these profiles back to the main website helps build a robust online presence and authority. These definitions set the stage for the episode's central strategic debate on driving business growth.[00:10:00] The Core Debate: SEO for Trust vs. Ads for ImmediacyThis section frames the episode's central conflict, presenting two competing yet complementary philosophies for driving restaurant growth. The speakers weigh the immediate, traffic-driving power of paid advertising against the long-term, trust-building foundation of a solid SEO strategy.At [00:11:45], John makes a strong case for prioritizing paid advertising, asserting that restaurants "need customers now." He argues that paid strategies, such as a proven Facebook advertising model, are the most effective tools for immediate results and that SEO should be considered a secondary, long-term project. At [00:15:20], another speaker supports John's point on the need for immediacy, using a practical example to illustrate the customer mindset: "if I want chicken wings, I'm not worried about SEO."By [00:18:00], Favour presents the counter-argument, clarifying that SEO's primary role is to build trust and credibility before a sale can occur. He uses the analogy of a "red flag" for anyone promising immediate sales directly from SEO. The group reaches a consensus that a balanced approach is best: ads are essential for short-term traffic, while SEO serves as the indispensable long-term foundation for sustainable growth and brand authority. The conversation then transitions from this high-level strategy debate to a specific, actionable content strategy proposed by the host.[00:25:00] A Creative Content Strategy: The Restaurant PodcastThis segment introduces a novel and powerful idea for restaurants to differentiate themselves and build a deep, trust-based relationship with their community. The speakers frame podcasting as a way for a restaurant to move beyond simple listings and reviews to become a true content creator and community hub.At [00:26:10], the host proposes that a restaurant should start its own podcast, utilizing both audio and video formats to engage potential customers on a deeper level. By [00:27:30], the group brainstorms a range of compelling content ideas, including video recipes, cooking tutorials, and culinary tips; interviews with the restaurant's chefs to discuss their creative process; discussions on the quality and sourcing of ingredients; answering frequently asked questions from customers; exploring the history and cultural significance of the cuisine; collaborating with beverage brands featured on the menu; taste tests and sampling sessions; customer testimonials; and behind-the-scenes looks at special events or cookouts.By [00:30:00], the primary strategic goal of this podcasting strategy is articulated: to build profound trust by allowing customers to discover aspects of the restaurant they would never think to search for, thereby creating a stronger and more resilient brand connection. This discussion on creating unique content naturally leads to the technical necessity of structuring that content correctly on the restaurant's website.[00:33:00] Technical SEO Deep Dive: The Menu is Your WebsiteThis section uncovers a critical and often-overlooked technical SEO mistake that can severely handicap a restaurant's online visibility. The speakers reveal how relying on seemingly convenient third-party systems for menu hosting can prevent a restaurant from capitalizing on valuable search traffic.At [00:34:05], a speaker highlights the significant failure of using platforms like Toast that consolidate an entire menu onto a single landing page. He explains that this approach misses the opportunity to have 25 separate, indexable pages for a 25-item menu. By [00:36:15], the impact of this mistake is clarified: individual menu item pages should be treated like e-commerce products. Each page is capable of generating its own organic traffic and ranking for highly specific searches, such as "best chicken wings in [city]."The solution, discussed at [00:38:40], is to structure the restaurant's website so that each menu item has its own dedicated page. Each page should be optimized with rich descriptions, proper titles, and an easy-to-use ordering system, thereby maximizing the restaurant's "footprints and stamps across the internet." The conversation then shifts from these on-site technical details to the broader, future-facing topic of visibility within emerging AI search engines.[00:42:00] The Future: AI Visibility and Advanced AutomationSetting the stage for a forward-looking discussion, the experts explore how the concept of "being found" is expanding beyond traditional search engines. The focus shifts to include AI-powered Large Language Models (LLMs) and the new opportunities they present for visibility and automation.At [00:43:10], the group discusses the growing importance of "AI Visibility." This involves ensuring a restaurant's information appears when users ask direct questions to AI chatbots like ChatGPT (e.g., "what's the best sushi restaurant near me?"). They also touch on how platforms like Perplexity can be leveraged for rapid ranking within these new search paradigms.By [00:45:00], the concept of using AI agents and automation for SEO tasks is introduced. A speaker provides a powerful example of using a tool like N8N to create an agent that can log into a website daily and automatically optimize product titles. He elevates this concept by explaining the goal is to move beyond simple email reports and "upgrade to the voice agents... and my AI gives me a phone call about the listings that's been optimized," emphasizing a future where an AI proactively works and reports, even waking the owner from sleep with critical updates.At [00:47:25], the speakers identify some of the foundational data sources that LLMs use to answer queries, such as SERP API and DuckDuckGo. This highlights the necessity for businesses to be listed and visible in these core digital infrastructures to appear in AI-generated results. This look into the future of search concludes the main discussion.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Welcome to a new episode of Gimme Some Truth, filmed in our upgraded Verona studio! In this episode, we break down the recent surge in gold prices and why precious metals are once again dominating investor conversations.Clint and Nate explore key drivers behind gold's rally—including market uncertainty, inflation pressures, global demand, and central bank gold purchases. We analyze how gold and silver behave during different market cycles, compare them to other asset classes, and discuss the risks, volatility, and long-term strategy considerations for investors.Whether you're evaluating gold as a hedge, a diversifier, or a tactical investment, this episode offers data-driven insights to help you make informed decisions in today's shifting financial landscape.Timestamps:00:00 — Welcome to the New Studio00:36 — Why Precious Metals Are Heating Up02:07 — Gold's Price Surge & Market Drivers04:15 — How to Approach Gold Investing07:56 — Gold as a Portfolio Diversifier13:41 — Final Thoughts & Investor Takeaways

In this episode of Beer and Money, Ryan Burklo discusses the complexities of financial planning, emphasizing the ever-changing nature of financial goals due to various life factors. He highlights the psychological barriers that prevent individuals from engaging in financial planning and stresses the importance of understanding personal goals. Ryan outlines the necessity of a comprehensive financial plan that accommodates market volatility and provides peace of mind. He encourages listeners to take proactive steps in their financial planning and offers resources for further assistance. #financialplanning #equitycompensation #marketvolatility #psychologicalbarriers #cashflowplan #financialsecurity #investmentstrategies #financialscorecard #holisticfinancialplanning #peaceofmind   Takeaways Financial planning is influenced by changing life circumstances. Psychological barriers often prevent individuals from seeking financial advice. Understanding personal goals is crucial for effective financial planning. A comprehensive financial plan should account for market volatility. Regularly revisiting financial plans can lead to proactive adjustments. Peace of mind comes from a holistic approach to financial planning. Liquidity and access to funds are essential in financial planning. Investment strategies should align with personal financial goals. A financial scorecard can provide valuable insights into one's financial health. Working with a financial planner can help clarify complex financial situations. Chapters 00:00 Understanding the Moving Target of Financial Planning 02:52 The Psychological Barriers to Financial Planning 05:45 Building a Comprehensive Financial Plan 09:06 Achieving Peace of Mind Through Financial Planning

In this episode, host Shawn Terrell discusses the SALT deduction within the One Big Beautiful Bill. Listen for insights into how the OBBBA impacts dentists planning their financial future post-clinical practice.---------------------------------Episode Resource:https://tr.ee/zIM4M4 --------------------------------Meet with Dentist Exit Planning Advisor:Schedule Discovery Meeting---------------------------------About Dentist Exit Planning:Website: dentistexit.comFacebook Group for DentistsYouTubeInstagramLinkedInSign-Up for Dentist Exit Email NewsletterEmail Shawn at: shawn@dentistexit.com

Key topics include:-The core differences between direct affiliation and OSJ / enterprise models.-Why payout percentages don't tell the full financial story.-How scale, support, and service models impact long-term net income.-When outsourcing operations can accelerate growth - and when it doesn't.-How larger teams and solo practitioners should think differently about affiliation.-Why affiliation decisions are business decisions, not just platform decisions.Whether you're considering independence for the first time, reassessing your current setup, or planning your next stage of growth, this episode offers a clear, practical framework to help you evaluate your options and avoid costly mistakes.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/

In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable deductions work, common planning mistakes to avoid, and why generosity is most effective when paired with a resilient financial plan. Roger also shares a Rocking Retirement in the Wild story from a listener who is actively living a purpose-filled retirement, reflects on the corporate language we can leave behind when we retire, and answers listener questions on retirement readiness, gifting inheritance early, and the risks of relying on high-yield bonds for retirement income. He closes the episode with personal reflections on lessons learned, reminding listeners how to keep retirement simple, resilient, and meaningful while making a positive impact on others.OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN(00:00) This show is dedicated to helping you not just survive retirement, but confidently lean in and rock it.(00:20) Roger introduces a Christmas Eve episode focused on charitable giving, listener stories, answering questions, and reflecting on intentional retirement living.RETIREMENT TOOLKIT(03:45) Roger walks through the basics of charitable giving, including qualified charities, documentation requirements, and how deductions work with standard versus itemized returns.(07:55) Year-end timing rules for checks, credit cards, stock transfers, and donor-advised funds.ROCKIN' RETIREMENT IN THE WILD(09:30) A listener shares how, at 67, he backpacked 121 miles through Maine's 100-Mile Wilderness, reconnecting with longtime friends and staying physically engaged in retirement.(12:28) Roger reflects on why rocking retirement doesn't have to be impressive—only meaningful to the person living it.RETIREMENT LIFE LAB(13:03) Roger explores the idea of “retiring” corporate jargon in retirement and how simplifying language can help us reconnect and speak more human again.(18:21) Listeners are invited to share the words and phrases they are most looking forward to leaving behind.LISTENER QUESTIONS(19:50) Don asks why most people enter retirement with relatively little savings and what that reality means for financial and social stability.(29:25) A listener asks how to give inheritance before death without triggering taxes.(33:46) James asks whether using high-yield corporate bonds as the foundation for retirement income is a safe strategy.SMART SPRINT(42:08) In the next seven days, Roger challenges listeners to choose a single word for 2026 to serve as a guiding focus for the year ahead.CLOSING THOUGHTS(43:59) Roger shares final reflections on the lessons of the episode, emphasizing elegant simplicity, financial resilience, and showing up to help others in meaningful ways.REFERENCESSubmit a Question for RogerSign up for The NoodleThe Retirement Answer Man