Podcasts about form crs

This $500M Money Manager Shares His 4 Pillars To Investing & Avoid Idea Fairies...Guest: Thomas Carroll, Founder & CEO, Ballast Rock $500M AUMWebsite:https://www.ballastrock.com/Bio:Tom has been an active private asset investor for well over a decade. After a successful career on Wall Street, he founded Ballast Rock in 2018 as a vertically integrated real estate investment firm. By building an exceptional team and leveraging their collective experience in risk mitigation, operational excellence, regulatory compliance and with a relentless focus on our investors, Tom and the team have grown Ballast Rock into a diversified financial services company. Ballast Rock currently comprises:• Ballast Rock Asset Management: both real estate and venture capital asset management, empowering individual investors with democratized access to private investments;• Ballast Rock Capital: a FINRA regulated broker/dealer;• Ballast Rock Private Wealth: an SEC registered investment advisor providing bespoke wealth management advice; and• The Ballast Rock Foundation: a charitable foundation focused on alleviating housing insecurity in our community.Prior to founding Ballast Rock, Tom spent fourteen years working in finance. Most recently, he concluded nine years at Goldman Sachs & Co. as a trading desk head on the New York Fixed Income, Currencies and Commodities trading floor. His international career at both Goldman Sachs and HSBC, led him to live and work in New York, London, Dubai, and Sao Paulo. He has headed multiple desks primarily focused on structured finance, complex derivative transaction execution, and institutional investor marketing.BR Website Disclaimer: The information contained on the Ballastrock.com web site has been prepared by Ballast Rock Capital LLC MEMBER: FINRA / SIPC (“Ballast Rock”), which is located at 460 King Street Suite 200, Charleston, SC 29403. 800-204-2513. Information is presented without reference to any particular user's investment requirements or financial situation. Potential investors are encouraged to consult with professional tax, legal, and financial advisors before making any investment into a private offering of securities. An investment in private securities would be speculative and would involve a high degree of risk. Investors must be prepared to bear the economic risk of such an investment for an indefinite period of time and be able to withstand a total loss of their investment. Please consider carefully the investment objectives, risks, transaction costs, and other expenses related to an investment prior to deciding to invest. Any private placement securities transactions or related activities offered by a registered representative are conducted in their capacities as registered representatives of Ballast Rock. Please see our Form CRS.

 Stocks get all the attention, but bonds? They deserve some love too. If the latest market swings have you feeling a little queasy, bonds can help balance your portfolio and create a steady stream of passive income. In today's episode, Nicole sits down with a Money Rehabber who wants to start investing in bonds but isn't sure where to begin. Nicole breaks down bond basics, key terms, and how to build a bond strategy that works for you.  To start investing in bonds today, go to public.com/moneyrehab All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org. Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf. See public.com/#disclosures-main  Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors' Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page. A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 6.6% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 3/12/2025. A bond's yield is a function of its market price, which can fluctuate; therefore, a bond's YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule.    Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. See Bond Account Disclosures to learn more. *Terms and Conditions apply. 

You've heard the old investing advice: “buy low, sell high.” But what if we told you that selling isn't the only way to make money from your investments? Today, Nicole breaks down three easy, low-maintenance ways to generate income: bonds, high-yield cash accounts, and dividend stocks. Whether you're looking to diversify your portfolio or just want your money working for you while you do literally anything else, this episode has you covered. To start exploring your passive income options today, go to public.com/moneyrehab All investing involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org. Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. Investments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf. See public.com/#disclosures-main  Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors' Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page. *4.1% APY as of 2/4/25. APY is variable and subject to change.

On this episode of Animal Spirits: Talk Your Book, Michael Batnick and Ben Carlson are joined by JD Gardner, CIO and Founder of Aptus Capital Advisors to discuss who Aptus is, shifting to riskier portfolios using options, using single stock options to hedge risk, misconceptions about option-based strategies, and much more! Find complete show notes on our blogs... Ben Carlson's A Wealth of Common Sense Michael Batnick's The Irrelevant Investor Feel free to shoot us an email at animalspirits@thecompoundnews.com with any feedback, questions, recommendations, or ideas for future topics of conversation.   Check out the latest in financial blogger fashion at The Compound shop: https://www.idontshop.com Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. See our disclosures here: https://ritholtzwealth.com/podcast-youtube-disclosures/ The Compound Media, Incorporated, an affiliate of Ritholtz Wealth Management, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here https://ritholtzwealth.com/advertising-disclaimers. Aptus Disclosures: The opinions expressed in this podcast are those of Aptus Capital Advisors, LLC (“Aptus”) as of the date of publication and are subject to change without notice. Information in the podcast is provided for information purposes only and should not be considered investment advice or a recommendation to purchase or sell any particular security, product or service. Aptus reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. The information is based on data obtained from sources believed to be reliable but are not guaranteed as being accurate and do not purport to be a complete summary of the available data.   All investments involve risk, including loss of principal. Past performance is not indicative of future results.   This should not be construed as tax, accounting, or legal advice. Aptus does not provide accounting, tax, or legal advice. You should always consult with a professional in these areas with regard to specific tax, accounting, or legal questions and obligations.   Aptus Capital Advisors, LLC (“Aptus”) is an investment adviser registered with the U.S. Securities and Exchange Commission. Registration does not imply a certain level of skill or training. More information about Aptus' investment advisory services can be found in its Form ADV Part 2 and/or Form CRS, both of which are available upon request. Learn more about your ad choices. Visit megaphone.fm/adchoices

Unlock the secrets of crafting compliance manuals that truly work for your firm with insights from our regulatory compliance experts. Discover why using generic templates might be a recipe for disaster, and how aligning your written supervisory procedures with actual business practices can safeguard your firm's accountability and regulatory standing. In this episode you'll uncover:The top errors CCOs make with policy updates and procedural documentation. How to ensure accurate and timely delivery of Form ADV, Form CRS, and Reg BI Disclosures Regulatory filing errors that can cost you Oyster Consulting has the expertise, experience and licensed professionals you need, all under one roof. Follow us on LinkedIn to take advantage of our industry insights or subscribe to our monthly newsletter. Does your firm need help now? Contact us today!

Today we're joined by Lewis Johnson of Capital Wealth Advisors. Lewis is a great friend and someone who manages approximately $2.5 billion in assets. In today's wide-ranging episode, we discuss: • Spotify's great earnings and why we love the stock • Why China is driving up the price of gold • If you should be buying silver  • Where we might be in the current market cycle • If you should be reallocating some of your portfolio to commodities • And so much more — If you aren't already, be sure to subscribe to Trends with Friends here: https://www.howardlindzon.com/  Thanks to our sponsor, FinChat, the complete stock research platform for fundamental investors. TWF listeners get 15% off at checkout with the code "TWF." Learn more today: http://finchat.io/trendswithfriends  — Skip Ahead: 00:00 Welcome Lewis Johnson 05:10 JC's take on the current market conditions 07:39 Spotify's great quarter and analysis 19:47 Tech vs Commodities Long Term 24:22 Technology hitting 3 month lows 25:06 Dollar breaking down compared to gold 26:40 China's demand is driving the price of gold 30:55 Where are we in the current market cycle 34:02 Is Silver a buy 40:40 What Lewis is recommending to his clients  43:30 JC's thoughts on Silver 45:40 Why you should consider a financial advisor 47:30 When should you reallocate your portfolio  52:42 Goldman Sachs ($GS) update 56:30 Update on the 3 Gs 58:10 Trends With NO Friends ($BMI) 1:01:00 How Lewis manages growth in small and mid-cap stocks 1:03:45 What's next for the US dollar 1:07:20 The biggest worry with high interest rates — Big Thank You To Our Guest: • Lewis Johnson - https://twitter.com/TrendsTailRisks  Where To Find Howard and Friends: • Howard - https://stocktwits.com/howardlindzon  • JC - https://stocktwits.com/allstarcharts  • Phil - https://stocktwits.com/ppearlman  • Production and Marketing - https://penname.co/  — All opinions expressed on this show are solely the opinions of the hosts' and guests' and do not reflect the opinions of Stocktwits, Inc. or its affiliates. The hosts are not SEC or FINRA registered advisors or professionals. The content of this show is for educational and entertainment purposes only. Please consult with your financial advisor before making any investment decisions. CWA Asset Management Group, LLC (“CWA”) is an SEC-registered investment adviser, doing business as Capital Wealth Advisors (FL, LA & NC) and as blueharbor wealth advisors (NC). Registration does not imply any level of skill or training. CWA's ADV 2A and Form CRS can be accessed via https://advisorinfo@sec.gov/firm/summary/158940. Lewis Johnson is an employee of CWA.  The Assets Under Management (“AUM” for CWA as of 12.31.2023 is $2,531,719,656.  Lewis Johnson and CWA do not promote or solicit any securities positions mentioned during this blog.  Lewis Johnson and CWA also do not promote or solicit any advertising for third-parties on any social media platform that this blog is presented on. --- Send in a voice message: https://podcasters.spotify.com/pod/show/trends-with-friends/message

Host Jeff Bernier and guest Rachael Levine, partner at Peltoma Capital Partners and creator of "Tripping Millennial," delve into the enriching power of experiences over material wealth. In this episode, you'll discover: Rachel's journey from seeking financial stability to embracing a life filled with travel and personal growth

This episode is intended to equip listeners with practical advice and knowledge to navigate these challenging times, emphasizing the importance of early preparation and responsible financial planning to alleviate the burden on loved ones during times of grief and loss. This podcast is brought to you by CommunityAmerica Credit Union.  This recording is for educational and entertainment purposes only.  It is not intended to replace the advice of a loan representative or financial advisor.  The examples provided are for illustration purposes only and may not apply to your situation.  Since every situation is different, we recommend speaking to a loan representative or financial advisor regarding your specific needs.  You may also want to contact your tax advisor for additional tax implications. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica. Please visit CommunityAmerica.com to learn more about how we can assist you in achieving your Financial Peace of Mind. Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here.   Please note non-deposit investments are: not federally-insured; not obligations of the credit union; not guaranteed by the credit union; involve investment risk; and if applicable, are being offered by a dual employee who accepts deposits on behalf of the credit union and also sells non-deposit investment products on behalf of a third-party broker.

This podcast navigates the financial landscape during career changes, emphasizing intentional planning, strategic budgeting, and building strong financial habits to ensure stability and success during transitional phases. This podcast is brought to you by CommunityAmerica Credit Union.  This recording is for educational and entertainment purposes only.  It is not intended to replace the advice of a loan representative or financial advisor.  The examples provided are for illustration purposes only and may not apply to your situation.  Since every situation is different, we recommend speaking to a loan representative or financial advisor regarding your specific needs.  You may also want to contact your tax advisor for additional tax implications. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica. Please visit CommunityAmerica.com to learn more about how we can assist you in achieving your Financial Peace of Mind. Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here.   Please note non-deposit investments are: not federally-insured; not obligations of the credit union; not guaranteed by the credit union; involve investment risk; and if applicable, are being offered by a dual employee who accepts deposits on behalf of the credit union and also sells non-deposit investment products on behalf of a third-party broker.

This podcast navigates the financial landscape during career changes, emphasizing intentional planning, strategic budgeting, and building strong financial habits to ensure stability and success during transitional phases. This podcast is brought to you by CommunityAmerica Credit Union.  This recording is for educational and entertainment purposes only.  It is not intended to replace the advice of a loan representative or financial advisor.  The examples provided are for illustration purposes only and may not apply to your situation.  Since every situation is different, we recommend speaking to a loan representative or financial advisor regarding your specific needs.  You may also want to contact your tax advisor for additional tax implications. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica. Please visit CommunityAmerica.com to learn more about how we can assist you in achieving your Financial Peace of Mind. Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here.   Please note non-deposit investments are: not federally-insured; not obligations of the credit union; not guaranteed by the credit union; involve investment risk; and if applicable, are being offered by a dual employee who accepts deposits on behalf of the credit union and also sells non-deposit investment products on behalf of a third-party broker.

As a self-regulatory organization, information sharing is key to FINRA's pursuit of its mission of investor protection and market integrity, and no single resource is a better example of that than FINRA's Annual Regulatory Oversight Report. On this episode, Ornella Bergeron, Senior Vice President of Risk Monitoring, Omer Meisel, Executive Vice President of the National Cause and Financial Crimes Detection Program, Claire O'Sullivan, Vice President and Regulatory Advisor of Stakeholder Engagement, and Michael Solomon, Senior Vice President of Examinations, join us to discuss highlights from the 2024 report.Resources mentioned in this episode:2024 FINRA Annual Regulatory Oversight ReportReg Notice 23-20: Guidance and Resources Related to Regulation Best InterestReg Notice 23-11: Concept Proposal for a Liquidity Risk Management RuleReg Notice 21-35: Proposed Order Routing Disclosure RequirementsSEC FAQ on Form CRSCAT NMS Plan WebsiteEpisode 136: An Introduction to FINRA's Crypto Asset Work and the Crypto HubEpisode 137: The Crucial Role of FINRA's CAI TeamEpisode 138: FINRA's Blockchain LabEpisode 129: A New Twist on New Account Fraud

Jeff and Bruce talk to Knut Rostad, president of the Institute for the Fiduciary Standard, about the SEC's revisions to Form CRS and the complications that it's added to defining the term ‘fiduciary.' Knut explains the purpose of the form and its very limited coverage of the fiduciary experience. The guys debate the significance of the fiduciary label, asset-based pricing vs. fee-based pricing, and the importance of transparency around fees.

Jerome Powell testified in front of Congress this week and the main takeaway was “we are absolutely going to keep ripping rates if we need to - and it looks like we need to.” On the second day of his testimony, he walked back a bit stating - "If — *and I stress that no decision has been made on this* — if the totality of the data were to indicate that faster tightening is warranted, we would be prepared to increase the pace of rate hikes." Elizabeth Warren posed a question that pretty much everyone has been asking for the past few months - “what about the labor market?” “What do you say to the 2 million people who you plan to put out of work with your rate hikes?” Jerome Powell then explained that well, if we don't fix inflation now, it's going to be a lot higher than 2 million down the road. The idea is that by not nipping inflation in the bud, the consequences to the labor market will be extreme. So the Fed is balancing both the labor market and price stability, trying to make sure that they can get inflation down with their rate hike cannon but also trying to make sure that the projectiles that they are firing into the economy don't hurt anyone that bad. Full article: https://kyla.substack.com/p/labor-market-vs-inflation Open a Treasury Account at Public.com and get a 5.3%* yield on your cash at public.com/kyla * 26-week T-bill rate (as of 2/14/2023) when held to maturity. Rate shown is gross of fees. ** The average of the best high-yield savings accounts, compiled by Bankrate.com as of 1/31/23, is 4.0% APY. Disclosures: This is a paid endorsement for Open to the Public Investing, Inc., member FINRA & SIPC. This does not constitute investment advice. Investing involves the risk of loss, including loss of principal. Full disclosures can be found at public.com/disclosures. All U.S. treasury investments and investment advisory services offered on Public are provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck, Jiko U.S. Treasuries Risk Disclosures and Jiko Securities Inc. Form CRS. Investments in T-bills: Not FDIC Insured - No Bank Guarantee - May Lose Value
Banking services provided by Jiko Bank, a division of Mid-Central National Bank Blog: https://kyla.substack.com Linkedin: https://www.linkedin.com/in/kylascanlon/ TikTok: https://www.tiktok.com/@kylascan? Twitter: https://twitter.com/kylascan Instagram: https://www.instagram.com/kylascan/?h... All materials in these videos are used for educational purposes and fall within the guidelines of fair use. No copyright infringement intended. If you are or represent the copyright owner of materials used in this video and have a problem with the use of said material, please contact me. DISCLAIMER: This video does not provide investment or economic advice and is not professional advice (legal, accounting, tax). The owner of this content is not an investment advisor. Discussion of any securities, trading, or markets is incidental and solely for entertainment purposes. Nothing herein shall constitute a recommendation, investment advice, or an opinion on suitability. The information in this video is provided as of the date of its initial release. The owner of this video expressly disclaims all representations or warranties of accuracy. The owner of this video claims all intellectual property rights, including copyrights, of and related to, this video.

“My passion was to find a career that I felt like I was helping people.” - Whitney Bartelli  Money can enable us to do the things we love – take vacations, buy things we want, and even help us celebrate the big milestones. However, money can also block us in ways, too. When we are financially unwell (in debt or unable to save), anxiety builds up in our body – causing us to miss some of life's greatest moments because we're worried about the future – even tomorrow. In today's episode, Dr. Michelle Robin invites Whitney Bartelli to share more about those barriers that money can create in our life – and how it can even derail us from discovering our purpose in life. She will share a few stories about how she fell into her purpose, but also why having a financial plan was crucial to her getting to this point in her life. By the end of the episode, she will provide some small steps someone can take to get on a financially healthy road – and ultimately, get that much closer to living their best life and fulfilling their purpose.  About Today's Guest:  Whitney Bartelli serves as the Chief Marketing and Strategy Officer at CommunityAmerica Credit Union, overseeing the areas of brand strategy and brand growth, content strategy, social and digital engagement and management, product development, member/corporate communications and community engagement. Whitney leads high-level strategic, data-driven initiatives that directly impact sales growth and each line of business at CommunityAmerica. With a people-helping-people focus, Whitney's teams are focused on elevating CommunityAmerica's brand and connecting Kansas Citians to its mission of helping members to achieve financial peace of mind.  Mentioned in the Episode:  CommunityAmerica Credit Union Financial Planning at CommunityAmerica Credit Union Community Access Centers Big Shifts Foundation CommunityAmerica Credit Union is insured by NCUA. Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica's Board of Directors. Amounts advertised are representative of actual dividends paid in 2023. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient. All loans subject to approval. High Interest Savings.  Top of market according to S&P Global Deposit Ranking Report – Kansas City Metro Area as of January 19, 2022. First Tier: 3.92% – 4.00% APY from $1.00 – $1,500, if First Tier qualifications are met. Second Tier: 0.025% APY on $1,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. The Annual Percentage Yield (APY) shown is effective as of 03/01/2021, unless otherwise noted. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $1,500 will earn first tier APY when ‘Qualifications for cash back'. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied to the next statement period. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union's base rate for Savings accounts until ‘Qualifications for cash back' are reestablished. Balances of $1,500.01 or more will earn the credit union's current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions. Deposit products insured by NCUA include: Checking accounts, savings accounts, money market accounts and certificates of deposit (CDs) Wealth Management by CommunityAmerica: Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here. Investment and insurance products, including annuities: Are Not Deposits |Are Not NCUA or otherwise Federally Insured |Are Not Bank Guaranteed |May Lose Value   

The best tool FINRA provides when it comes to firms developing their annual compliance program is now available. The 2023 Report on FINRA's Examination and Risk Monitoring Program provides key insights and observations on two dozen key regulatory topics, making it a must-read for compliance professionals. On this episode, Ornella Bergeron, Senior Vice President of Risk Monitoring, Michael Solomon, Senior Vice President of Examinations, and Bill St. Louis, Executive Vice President of the National Cause and Financial Crimes Detection Programs (NCFC), join us to dig into some of the new and noteworthy topics in the latest report. Resources mentioned in this episode:2023 Report on FINRA's Examination and Risk Monitoring ProgramEpisode 112: Introducing FINRA's Complex Investigations and Intelligence Team and Cyber and Analytics UnitEpisode 71: Overlapping Risks, Part 1: Anti-Money Laundering and Cybersecurity

June 30th marks the second anniversary of the implementation of Regulation Best Interest and Form CRS and we are celebrating with a deep dive into everything FINRA has learned on the topic over the last two years. On this episode, Meredith Cordisco, associate general counsel with the Office of General Counsel, Scott Gilbert, vice president covering the large diversified firm group and alternative net capital group within Member Supervision, and Nicole McCafferty, senior director with the National Cause and Financial Crimes Detection Program, join us to talk about how FINRA is examining around the new regulations and explore some of the common problem areas and effective practices when it comes to complying with all that is now required.How are we doing? Take the FINRA Unscripted survey today. Resources mentioned in this episode:SEC Reg BI Resource PageFINRA Reg BI Resource PageEpisode 63: Implementing a New Standard of CareEpisode 45: Preparing for a New Standard of CareEpisode 69: Excessive Trading: When A Lot Becomes Too Much2022 Report on FINRA's Exam and Risk Monitoring Program: Reg BI and Form CRSMarch 2022 SEC Staff Bulletin

Jeff and Bruce talk to Knut Rostad, president of the Institute for the Fiduciary Standard, about the SEC's revisions to Form CRS and the complications that it's added to defining the term 'fiduciary.' Knut explains the purpose of the form and its very limited coverage of the fiduciary experience. The guys debate the significance of the fiduciary label, asset-based pricing vs. fee-based pricing, and the importance of transparency around fees. Related Article: Fiduciary advocates raise alarm about SEC limits on term ‘fiduciary'Guest Bio: Knut A. Rostad, MBA, co-founded and is president of the Institute for the Fiduciary Standard, a nonprofit formed in 2011 to advance the fiduciary standard through research, education and advocacy. Earlier, he served as the regulatory and compliance officer at Rembert Pendleton Jackson, a registered investment adviser in Falls Church, Virginia.

*** This recording is for educational and entertainment purposes only. It should not be viewed as personalized financial advice and is not a substitute for consultation with your financial representative. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica. Please visit CommunityAmerica.com to learn more about how we can assist you in achieving your Financial Peace of Mind.***  *** Securities and advisory services offered through Copper Financial Network, LLC (“CuFi“), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. Products offered through CuFi:  are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. For important disclosures from CuFi, including our Form CRS, please visit here. ***  Zik Nwanganga is passionate about helping people discover their purpose and maximize their true potential. Zik founded a leadership/entrepreneurial organization called FiredUp'.  The goal of FiredUp' is to motivate young people to pursue their purpose by hearing about other leaders' failures and successes.  Liz Armstead is a branch manager with CommunityAmerica Credit Union. She has been with them for five and a half years. Liz has three kids and two dogs. She loves to travel and go on adventures with her family. Memorable Quotes: “I fit here because I know that these are all human beings who are going through the same struggles, maybe in a different way, but they're all trying to pursue something.” “He said that at the deathbed of anyone in the world, at the last breath, no one ever thinks, man, I should have spent more time at work. We always think, man, I should have spent more time with my family and friends because that's the most important thing.” “I always find that having someone there to hold you accountable is a great option, whether it's a spouse or a family member or a financial adviser, someone at your credit Union.” What You'll Learn: Inspirational words for aspiring young leaders and how to manage your money well through a budget. This Episode Includes: Zik started FiredUP' KC because of the challenges he went through during college. Zik believes that it doesn't matter what you're doing, it matters most who you are. Reading, following, and listening to other leaders will inspire you to find your own true potential. FiredUP' KC is about all the leaders and entrepreneurs in the KC area and building a community of support for aspiring young leaders. Zik shares that being a leader is to make work easier for whoever is under you, not harder. A friendly work environment is important to the success and overall happiness of everyone involved. Young people can start to pursue their passion by being willing to take a risk with whatever idea they have. Whatever you're doing, no matter what it is, do it to the best of your abilities because the one thing you're doing might lead to the main thing you want to do. Building a budget is all about setting goals and knowing what you want to put your money toward. Liz shares several ways to start building a budget and how to get help when starting out. A budget helps reduce stress by giving you peace of mind about how much money you actually have. Three Takeaways From Today's Episode: Find one inspirational leader who you look up to and learn how they got to where they are today. Set goals for your life and career – those can be one-year goals or five-year goals. Start a budget around your goals. Mentioned In The Episode: FiredUP' KC Go-Giver by Bob Burg Bob Burg on Small Changes Big Shifts Rachel Hollis Girl Wash Your Face Advent Health CommunityAmerica Credit Union YMCA

*** This recording is for educational and entertainment purposes only. It should not be viewed as personalized financial advice and is not a substitute for consultation with your financial representative. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica. Please visit CommunityAmerica.com to learn more about how we can assist you in achieving your Financial Peace of Mind.***  *** Securities and advisory services offered through Copper Financial Network, LLC (“CuFi“), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. Products offered through CuFi:  are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. For important disclosures from CuFi, including our Form CRS, please visit here. ***  About Alex Borgardts Alex is a Wealth Advisor with Wealth Management by Community America. He helps his clients understand the 'WHY' behind their goals and aspirations.  His goal is to make the financial planning process seamless so that the path to a meaningful life full of freedom, comfort, and peace is clearer and more attainable. Alex is also an Officer in the Army Reserve and is proud to serve our country. In his spare time, Alex enjoys going to the lake and barbecuing with his spouse. About Amber Ogle Amber Ogle lives in Olympia, Washington, and is a wife and mom to seven kids. She is the founder of the ELGO – Everyday Love Giving with the Ogle's Facebook page. Amber is passionate about teaching her seven children how to give back to the community. She believes in creating a ripple effect by being a go-giver and hopes to impart that quality to her children and others in the community. Memorable Quotes: “A penny saved is a penny earned.” - Benjamin Franklin “First and foremost, I think an important part of financial planning is making sure that you have the groundwork played and you've got some security.” “I think the last item that I'd point to is investing in yourself. So, if you have all those financial planning goals, both short and near term in place, you might consider ways that you can add a return on investment in your career or your life in other ways.” “And I think hope is a vitamin in our life that we need to just keep moving forward.” “Plant seeds inside your soul that you want more of. It's better than any high you can ever get. I believe it's a high of giving.” “My mom always said to me when I was young to plant trees that you'll never sit under, do for others without expecting anything in return, because that's just who you are. And that stuck with me as a child.” What You'll Learn: What to do with a large sum of money and how to integrate your long and short-term financial goals. And learn how to teach your children to give back to their community with a heart full of compassion.  This Episode Includes: The first step to financial planning is making sure you have security with an emergency fund. The next thing Alex suggests you do is pay off any high-interested debt. A few ways to use a large sum of money, like a tax return, include: investing in your child's future, investing in your business, or investing in your career. When setting up an emergency fund you want to have enough funds for rent or mortgages, auto payments, utilities, fuel, food, and daycare expenses. Alex shares ideas on where to house your money whether it be for short-term use or long-term investment. It's important to talk to an advisor when deciding on long-term care and life insurance options. It helps to visualize your goals when deciding where and how to spend your money. Wealth advisors want to have long-term relationships with their clients. When looking for a wealth advisor it's important to find someone who understands your life stage and objectives. Amber shares a story about how her family and neighborhood raised $2,500 for people suffering in Ukraine. Amber learned how to be a go-giver as a child when one person stepped in to help her family make it through a hard time. Hope is an essential nutrient that Amber believes everyone needs in their life. In fourth grade, Amber helped one little girl who was teased for her dirty hair and clothes. Supporting that little girl stuck with Amber throughout the rest of her life. Each of Amber's children has their own little charities that they create and support each year like the Ogle's Birthday Closet or Sweat Dreams Blankets. As a family, the Ogle's create and disperse Thanksgiving in a Basket to those in need in their community. Teaching your child how to give back to the community starts by getting them involved and showing them the impact that they can have. Takeaways From Today's Episode: Set up an emergency fund with three months' worth of expenses. Consider working with a financial advisor to help set long and short-term financial goals. Watch your child to see what they are passionate about. Ask your children how they would like to give back to the community and make their idea come to life. Consider how you can be a go-giver in your community. Mentioned In The Episode: Community America Credit Union 30 Years in 30 Days Big Shifts Foundation Big Shifts Foundation Tess Masters ELGO Facebook Page Be Good to People

In February, FINRA issued its second Report on FINRA's Examination and Risk Monitoring program, a comprehensive document that combines elements of what used to be the annual Priorities Letter and the Examination Findings Report. The report can serve as a reference document, addressing more than 20 topics of interest for firms and regulators from Regulation Best Interest and Form CRS to cybersecurity and mobile apps. On this episode, J Koutros, vice president of risk monitoring standards, Joe Sheirer, vice president of the examination program, and Steve Polansky, senior director of special initiatives, join us to talk about the report, some key highlights and how firms can use this extensive document. Resources mentioned in this episode:2022 Report on FINRA's Examination and Risk Monitoring ProgramEpisode 79: Year in Review: The 2020 Exam and Risk Monitoring ProgramEpisode 80: Exam and Risk Monitoring Program: Responding to COVID-19 and Looking Ahead2022 FINRA Annual Conference

Investing has historically been a male-dominated field, for both career options and personal finance. However, not only are we seeing that environment change in recent years, we're also seeing what positive power women have when they are actively a part of investment conversations. There are many things than can be learned from women who invest, along with more resources on how you can get started on investing – no matter where you're at in your life. In our latest episode, we're joined by Taylor Ahern and Ashley Dickson, both wealth advisors with Wealth Management by CommunityAmerica. They discuss their personal experiences with investing, and cover a variety of topics including:   Covering investment gaps How the environment is changing What we can learn from women who invest Listen to our most recent podcast for further education about approaching an investment journey. To talk more in-depth about your own investment opportunities, set up a free consultation with one of our talented Wealth Advisors today.   This podcast is brought to you by CommunityAmerica Credit Union.  This recording is for educational and entertainment purposes only and may not reflect the experiences of all consumers. It should not be viewed as personalized financial advice and is not a substitute for consultation with your financial representative. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica.  Please visit CommunityAmerica dot com to learn more about how we can assist you in achieving your Financial Peace of Mind.   Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here.  

Planning Your 2022 Financial Journey As you roll into 2022, there are some key areas to focus on when it comes to your financial journey. Though eyes are looking ahead at new opportunities, it's also important to reflect on how you ended 2021. Doing so can help you recognize your habits and patterns as you finalize your new financial goals, as both play an important role in helping you achieve financial peace of mind. In our latest episode, Essence, Branch Manager at our Raymore location, and Heath, Director of Wealth Management at CommunityAmerica, talk about various aspects to consider when planning your 2022 financial journey. During this episode, Essence and Heath will walk you through some budgeting basics and how to make an honest assessment of your finances. You'll also get practical advice on how to plan for big expenses, such as a house, car, baby and more. They will also dive into when it may be time for you to make the switch from budgeting to financial planning for different life events, such as retirement, funding a child's education or estate planning. Listen today as you begin to solidify your goals for the new year and learn how your friends at CommunityAmerica can help.  This podcast is brought to you by CommunityAmerica Credit Union.  This recording is for educational and entertainment purposes only.  It is not intended to replace the advice of a loan representative or financial advisor.  The examples provided are for illustration purposes only and may not apply to your situation.  Since every situation is different, we recommend speaking to a loan representative or financial advisor regarding your specific needs.  You may also want to contact your tax advisor for additional tax implications. Any reference to third-party websites are provided for information purposes only and are not endorsed by CommunityAmerica. Please visit CommunityAmerica.com to learn more about how we can assist you in achieving your Financial Peace of Mind. Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here.   Please note non-deposit investments are: not federally-insured; not obligations of the credit union; not guaranteed by the credit union; involve investment risk; and if applicable, are being offered by a dual employee who accepts deposits on behalf of the credit union and also sells non-deposit investment products on behalf of a third-party broker.

In this episode of Money Tales, our guest is Vicky Benzing. Vicky enjoyed an extremely successful career in tech and then decided to pursue an encore career as a stunt pilot, where she performs heart-stopping moves in airshows across the country. In both careers, she was often one of the only leading women which led to some interesting money stories. Born and raised in California, Vicky is an accomplished pilot, skydiver, aerobatic performer, and air racer. With over 9000 hours of flight time and over 1300 parachute jumps, Vicky has a passion for everything airborne. Her flying career has spanned nearly forty years and she currently holds an Airline Transport Pilot rating as well as a commercial rating in helicopters, seaplanes, and gliders. Vicky still remembers her first flight in her uncle's airplane when she was just a small child. Inspired by that flight at a very young age, Vicky learned to fly in an antique airplane at a small airport on the California coast while working on her PhD in Chemistry from UC Berkeley. Following obtaining her doctorate, Vicky spent three years as a post-doctoral fellow at the University of Oregon. During this time Vicky authored over a dozen scientific papers on a novel laser-based technique for analyzing embedded surfaces. Her first job outside of the university environment led her to the semiconductor industry and then later to the semiconductor equipment industry. During her time in the high-tech world, she assumed positions of increasing responsibility including serving as Vice President of Technology for a $2B corporation. During the 24 years that Vicky worked in the semiconductor industry, Vicky's passion for flying never waned, and her appetite for spins, loops, and rolls returned when she took an aerobatic flight with air show legend, Wayne Handley. Following that memorable flight, Vicky began aerobatic training in earnest. She competed in aerobatic contests throughout the US, working her way up through the many categories. In between contests, Vicky also began performing in local air shows. In 2012, Vicky fully retired from corporate life to focus solely on her flying interests. Today Vicky holds a surface level aerobatic waiver and has flown air show performances at venues across the United States, including as an invited performer at the greatest airshow in the world, EAA AirVenture in Oshkosh, WI. In addition to aerobatics, Vicky got the racing bug when a friend invited her to “come play in my sandbox” at the National Championship Air Races in Reno, NV. In her first year of racing, Vicky was chosen as “Rookie of the Year” after having won her first race ever, and in 2015 Vicky became the “Fastest Woman Racer” ever in the history of the Reno Air Races when she qualified an Aero Vodochody jet on the racecourse at 469.831 mph. Vicky currently serves as an officer of Racing Jets Inc. Vicky has also had the opportunity to work on a number of film, television, and other media projects. Vicky can be seen flying her beautiful Boeing Stearman in the documentary film “Mercury 13” which is currently airing on Netflix. Other film and television projects include episodes of “Ice Pilot” and “NCIS LA,” and extensive stunt work in her Stearman for the short film “Niner Echo Foxtrot.” And now open in Las Vegas NV is the immersive flight- ride experience, “FlyOver Las Vegas - The Real Wild West,” where Vicky can be seen barrel-rolling her red Stearman across the sky. Vicky's passion for science, technology and aviation have led her on a winding road throughout her life. She believes that by building her self-confidence and being willing to continually step out of her comfort zone is what has created new opportunities and experiences that have enrichened her life. You can learn more about Vicky by visiting her website at vickybenzing.com. Learn more about Money Tale$ > Subscribe to the podcast Recent episodes See all episodes > Form CRS

Government regulation of the financial services industry fails to provide investors with a true picture of most firm's true costs and responsibilities. Therefore, the only one who can protect you is you!Plus, a listener wonders if Edward Jones is acting as their fiduciary.

In this episode, you'll hear about: What exactly is investor confusion.How the SEC specifically deals with retail investors and regulation.How we got to a Reg BI and Form CRS in June 2019 by the SEC.Guest Bio:Knut A. Rostad is the co-founder and president of the Institute for the Fiduciary Standard, a nonprofit formed in 2011 to advance fiduciary principles and practices in investment advice and financial planning through research, education and advocacy. Previously, Rostad served as the regulatory and compliance officer at Rembert Pendleton Jackson, an investment adviser in Falls Church, Virginia.The Institute for the Fiduciary Standard offers guidance on fiduciary and why it matters. Rostad has authored articles, papers and comment letters to the SEC and DOL, and is cited in the New York Times, Wall Street Journal, Bloomberg, Reuters and industry outlets. IA Magazine's ‘IA 25' list in 2014, “the most influential people in and around the advisor industry” named Rostad.Rostad is the editor of The Man in the Arena: Vanguard Founder John C. Bogle and His Lifelong Battle to Serve Investors First, by Wiley. His BA in Political Science is from the University of Vermont and an MBA from the Norwegian School of Management in Oslo.

In this special episode, CSS's Director of Retail Wealth Manager Services, Korrine Kohm and William R. Carrigan, Deputy Commissioner, Securities Division of the Vermont Department of Financial Regulation discuss the latest news for registered investment advisers, including what will be required in 2022 surrounding continuing education requirements, the implementation of the new Marketing Rule and what's next for Form CRS.

SEC grants substituted compliance determination for France. House Financial Services Subcommittee considers national security implications of CBDCs. Senate Banking Committee debates merits of cryptocurrency. IOSCO seeks comment on ESG ratings and data providers. Twenty-seven firms settle SEC charges for Form CRS failures. MSRB issues guidance on primary offering disclosure form. OCC takes steps to act on climate change goals.  

When a Dad wanted to save money for his daughter with a disability and realized things weren't fair, he set out to change the law. And thus the ABLE Act was born, giving people with disabilities the ability to save money without losing their Medicaid or Social Security eligibility. Today we talk to a Wisconsin Mom who has made it her life's work to answer your ABLE questions and take the confusion out of how to set up an account, while also helping you understand how ABLE can open up doors to a fantastic future! "As a Financial Advisor in Wisconsin who specializes in helping individuals with disabilities, and/or parents of those with special needs to plan, the ABLE Accounts have been a beneficial tool.   I have a personal connection to my professional specialty.  I have three girls, and my youngest Emily has Down syndrome.   I worked in the Financial Services industry for 10 years prior to her birth.  Although she was born in 2011, several years before the ABLE Accounts became available, I knew that I wanted to change the trajectory of my career as an Advisor to focus on families like mine. " - Kathleen Oberneder, ChSNC®More about Kathleen: https://www.crescendowm.com/team/kathleen-obernederReach Kathleen here: info@crescendowm.com The ABLE National Resource Center: https://www.ablenrc.org/ABLE Resources in Wisconsin: https://arcwi.org/2018/03/12/learn-need-know-opening-able-account-special-needs-trust-wisconsin/Kathleen's disclosure information: Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA/SIPC..Advisory services offered through J.W. Cole Advisors, Inc. (JWCA). Crescendo Wealth Management, LLC and JWC/JWCA are unaffiliated entities. J.W. Cole Financial Representatives do not accept orders and /or instructions regarding your account by e-mail, voice mail, fax or any alternative method. For a copy of JWC's Form CRS please visit HERE. For a copy of JWC's Disclosure Supplement please visit HERE. By following the link, you consent to the receipt of the Form CRS electronically. For a copy of JWCA's Form CRS please visit Thank You to Old National Bank This podcast episode has been brought to you by Old National Bank - a Leading Disability Employer. Support the show (https://arcwi.org/donate/)

Welcome back to the Compliance In Context podcast! On today’s show, we’ll discuss Jay Clayton’s departure from the SEC and the first real cases from the SEC Enforcement Division's Exchange-Traded Products Initiative. For our interview segment, we welcome in former NSCP Chair and industry stalwart Miriam Lefkowitz to do a deep dive on how firms can best prepare for the practical application of Regulation Best Interest into their compliance programs. Finally, we’ll wrap up today’s show with another installment of the What’s On My Mind series, where our focus today will be on the recent rule proposal for “finders” and how this broker-dealer exemption could be just what we need to help struggling businesses with capital formation. Topics: Jay Clayton’s announcement of his departure from the SEC Major settlement related to improper sales of volatility-linked exchange-traded products. Interview REG BI and Form CRS preparation. Practical application of the rule after a full quarter in place How to avoid trip wires Comparing good vs. bad disclosures Methods for staying current with regulations and the NSCP Reg BI Forum What’s on My Mind SEC Commissioners Encourage Small Business Advisory Committee to Consider Proposed Registration Exemptions for “Finders.” Quotes: “I think disclosures around monitoring are challenging because there are responsibilities and duties that flow from whether your broker or whether you're an investment advisor.” “The SEC did discuss...the nature and the scope of the review, they've done to date and true to their word. They're looking for good faith efforts to comply. And for the most part they found it.” Resources: Compliance in Context

Our new host Mike Row, Chief Relationship Officer and Joan Schwartz, Chief Legal Officer at BNY Mellon's Pershing discuss Regulation Best Interest—or Reg BI— Form CRS and what it means for advisors.

This is Part II of our episode with Barry Ritholtz. If you haven't listened to Part I, hit pause and listen to that first. This episode features Barry Ritholtz, co-founder, Chairman, and Chief Investment Officer of Ritholtz Wealth Management.  He is also the creator and host of the Masters in Business podcast/show on Bloomberg Radio and author of the book Bailout Nation, which was published in 2009. In the second of a two part episode, Ritholtz explains why he prefers active management in fixed-income over equities, how he curates which writers to follow, thoughts on the recent CFP Board decision and the Charles Schwab and TD Ameritrade merger, and what skills he recommends younger people prioritize. Follow the CFA Society of Orlando on Twitter at @CFAOrlandoFL (0:38) -  Colby Donovan introduces the podcast (0:59) – Why he favors active management in fixed-income over equities (4:11) – How he curates which writers to follow (9:50) – Serving women as a client base (14:47) – Form CRS (15:58) – Why he thinks the CFP Board shanked their recent decision (18:32) – Impact of Charles Schwab and T.D. Ameritrade merger on RIA's (21:22) – What skills he thinks younger people prioritize who are pursuing a career in finance (25:20) – Who's the one person you want to have a conversation with? (27:02) – What are you most optimistic and pessimistic about in the world right now?

Clearing the Air VII Show Notes I. Introduction II. Form CRS update / Covid-19 Update III. BCP/Disaster Recovery Plan Overview IV. PPP disclosure discussion V. Outro NASAA Covid-19 Updates page https://www.nasaa.org/industry-resources/covid-19-updates/ FINRA FAQ PPP loans Form U-4 https://www.finra.org/rules-guidance/key-topics/covid-19/faq SEC Guidance PPP loan https://www.sec.gov/investment/covid-19-response-faq RIA Compliance Concepts Toll Free: 1-833-RIACCIO Email: info@riacc.io Website: www.riacc.io LinkedIn: https://www.linkedin.com/company/25040493/admin/updates/ Twitter: https://twitter.com/RIAComplyCEP Facebook: https://www.facebook.com/RIAComplianceConcepts/ Instagram: https://www.instagram.com/riacomplianceconcepts/ Host Information Ivan Barretto, Managing Director LinkedIn: https://www.linkedin.com/in/ivanbarretto30/ Megan Campbell, Managing Director LinkedIn: https://www.linkedin.com/in/megan-campbell-5016a442/ Collin O'Bryant, Senior Consultant LinkedIn: https://www.linkedin.com/in/collin-o-bryant-485416a1/

Confluence Financial Partners was founded to give investors a higher standard of service and personal attention. That's also the idea behind Lamb Medical, a concierge medical practice founded by Dr. Mary Parks Lamb. In this episode, Greg Weimer, Co-Founder and Wealth Manager of Confluence Financial Partners, and Dr. Mary Lamb discuss how the non-traditional service models of both Confluence and Lamb Medical have the potential to give people in Pittsburgh a luxury experience and better outcomes. You will also hear simple tips for healthy living and discover how the concierge model of care, in both health care and financial services, can help you achieve your long-term goals.Guest Speaker:Mary LambHost:Greg WeimerThis session was recorded on July 10, 2019.The views and opinions expressed herein are as of the date of its recording. The information may not be current and Confluence has no obligation to provide any updates or changes. There is no guarantee that any statements, opinions or forecasts provided in this podcast will prove to be correct.This podcast is provided by Confluence for informational purposes only. The information contained herein does not constitute a recommendation to buy, sell or hold any securities and should not be construed as an offer to sell, or a solicitation of an offer to buy any securities. Confluence is not providing any financial, economic, legal, accounting, or tax advice in this podcast. In addition, the receipt of this podcast by any listener is not to be taken as constituting the giving of investment advice by Confluence.More than 80% of today's retirees say good health is the most important ingredient for a happy retirement. SOURCE: Health and Retirement: Planning for the Great Unknown; A Merrill Lynch Retirement Study conducted in partnership with Age WaveConfluence Wealth Services, Inc. d/b/a Confluence Financial Partners is an SEC-registered investment adviser. Registration of an investment adviser does not imply any level of skill or training. Please refer to our Form ADV Part 2A and Form CRS for further information regarding our investment services and their corresponding risks. Additional information about Confluence Wealth Services, Inc. is available on the Investment Adviser Public Disclosure (IAPD) website at: www.adviserinfo.sec.gov.Confluence Financial Partners is not affiliated with and does not endorse the opinions or services of Dr. Mary Lamb. Any opinions are those of the speaker and not necessarily those of Confluence Financial Partners.The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete.

Youth is served as Confluence's youngest associates, Katie Montagazzi, Randy Holcombe, Chuck Ziants and Greg Weimer, Jr., join Greg to discuss the future of financial services and wealth management. Together, the team addresses some of the misconceptions around millennials and money, examines Confluence's culture of teamwork, continuous improvement and work-life integration, and explores what it takes to continue to be an elite wealth management practice.Guest Speakers:Randy HolcombeKatie MontagazziGregory Weimer II, CPAChuck ZiantsThis session was recorded on June 3, 2019.The views and opinions expressed herein are as of the date of its recording. The information may not be current and Confluence has no obligation to provide any updates or changes. There is no guarantee that any statements, opinions or forecasts provided in this podcast will prove to be correct.This podcast is provided by Confluence for informational purposes only. The information contained herein does not constitute a recommendation to buy, sell or hold any securities and should not be construed as an offer to sell, or a solicitation of an offer to buy any securities. Confluence is not providing any financial, economic, legal, accounting, or tax advice in this podcast. In addition, the receipt of this podcast by any listener is not to be taken as constituting the giving of investment advice by Confluence.Confluence Wealth Services, Inc. d/b/a Confluence Financial Partners is an SEC-registered investment adviser. Registration of an investment adviser does not imply any level of skill or training. Please refer to our Form ADV Part 2A and Form CRS for further information regarding our investment services and their corresponding risks. Additional information about Confluence Wealth Services, Inc. is available on the Investment Adviser Public Disclosure (IAPD) website at: www.adviserinfo.sec.gov.