Podcasts about Founding

In this episode, you'll practice your French listening and writing skills with a beginner dictation practice themed around la rentrée (back to school.)

What happens when you're really, really good at getting shit done... but not so great at doing things for absolutely no reason? While packing for my move, I found a box of 30-year-old letters and postcards and did something wildly rebellious: I sat down in the middle of the day and read them. Boxes were everywhere. According to Philip's spreadsheet I was behind. And I didn't care. That little interruption got me thinking about how good we've become at being useful. We work, remember the appointments, make the reservations, get our steps, keep track of the toilet paper... and somewhere along the way, even fun started needing a purpose. So this Off Duty Life podcast episode is about what happens when you get more freedom in your schedule than you know what to do with. I tried mahjong. I tried pickleball. I tried golf. I was bad at all three and didn't need to be good at any of them. Turns out enjoying your life while some shit stays unfinished might be the actual goal. No app. No portal. No homework. No 12-week plan for becoming excellent at relaxing. Just a little interruption in your regularly scheduled productivity. Your experiment this week: leave one thing undone and use that time for something that accomplishes absolutely nothing. The laundry will survive. I have faith in it. And speaking of doing nothing productively, that's basically the whole premise behind the Off Duty Club, my brand-new quarterly snail-mail club. Founding season is $10, then $27/quarter. First round closes September 9th. https://theoffdutylife.com/odc_sept Facebook group https://www.facebook.com/groups/fitgirlmagic Tik Tok https://www.tiktok.com/@kimbarnesjefferson Instagram https://www.instagram.com/kimjeffersoncoach/

Steve Poniewaz from First Missouri Credit Union is here, and Bo Drochelman talks founding March to The Arch!- h2 full 2175 Wed, 02 Sep 2026 20:21:46 +0000 BzXcayS4obqdY7MQ2zhPa5Wrb7QI3M6g comedy,religion & spirituality,society & culture,news,government The Dave Glover Show comedy,religion & spirituality,society & culture,news,government Steve Poniewaz from First Missouri Credit Union is here, and Bo Drochelman talks founding March to The Arch!- h2 The Dave Glover Show has been driving St. Louis home for over 20 years. Unafraid to discuss virtually any topic, you'll hear Dave and crew's unique perspective on current events, news and politics, and anything and everything in between. © 2025 Audacy, Inc. Comedy Religion & Spirituality Society & Culture News Government

David J. Moore co-founded 24/7 Media, took it public with $2.5M in revenue, watched it soar to a $1.8 billion valuation — and then rode it all the way down to nine cents a share and a "going concern" opinion before clawing it back and selling to WPP. In this episode of The Authority Company Podcast, David sits down with host Joe Pardavila to unpack the eerie and not-so-eerie parallels between the dot-com bust and today's AI boom, why he believes AI could be more dangerous than a nuclear bomb, and what he'd do differently if he could relive the crash. He also opens up about compartmentalizing grief while running a company as his wife battled cancer, and the foundation and marathon tradition he keeps up in her memory.David's new book, The 24/7 CEO: The Battle for Survival That Helped Build Digital Advertising, tells the full inside story.What You'll LearnHow 24/7 Media grew from 40 employees to 1,200 people in 29 countries — then crashed to 200 employees and a $15M market capThe real mechanical difference between the dot-com bust and today's AI bubble (hint: it's about who can afford to fail)Why David believes unchecked AI could be more dangerous than nuclear weaponsThe one strategic decision he'd reverse if he could redo the crash yearsHow Wall Street's "growth over profit" mindset echoes the Netflix/streaming correction — and why AI may be nextWhich jobs he thinks are more AI-resistant, and where he pushes back on his own optimismHow he led all-hands meetings and kept morale up during two years of declineHow he compartmentalized his wife's cancer diagnosis while running a public company through crisisThe foundation and marathon tradition he's kept alive for 16 years in her honorChapters00:00 – Introduction: 24/7 Media and The 24/7 CEO01:00 – Setting the scene: 26 years since the dot-com boom01:18 – Founding 24/7 Media and the explosive early growth02:29 – IPO days, stock mania, and 1,200 employees across 29 countries03:38 – The crash: from $69/share to nine cents04:51 – Big difference from today: Big Tech can't go out of business06:48 – "AI is more dangerous than the nuclear bomb"08:47 – Looking back: what he'd change about the decline10:37 – Scaling back acquisitions vs. chasing market share11:03 – The Netflix correction and Wall Street's growth-to-profit pivot12:06 – What actually caused the dot-com bust (the IPO window closing)14:00 – Data centers, capital spending, and consumer backlash15:33 – Rich vs. poor: will the market reject AI overinvestment?16:00 – The horse-shoer analogy: progress always has winners and losers17:07 – Which jobs AI can't easily replace (plumbers, masseuses, doctors)18:38 – Pushback: what happens to white-collar, middle-class jobs?19:14 – The cyclical trap: cutting jobs while needing customers20:20 – Workforce "carnage," trade schools, and the road to 203021:03 – Leading through crisis: all-hands meetings and rallying speeches22:33 – Optimism as a choice (and a skill you can build)23:39 – Triathlons as therapy: running through business problems24:51 – His wife's cancer diagnosis while running the company26:20 – The WPP sale, Martin Sorrell's support, and stepping back as CEO28:33 – Returning as CEO after losing his wife29:04 – Starting the foundation in her memory30:06 – Running a marathon every year to fundraise32:21 – How to support the foundation33:18 – Closing and book plug

"I wanted someone who was helping with proactive strategies. So if I'm sick one to two days a year, I want a doctor, but the 363 other days a year, I want someone helping me with strategies to not get sick. Unfortunately, our doctors aren't trained for that; the medical system doesn't have that." —Keith Bozeman Proactive healthcare shouldn't wait until you're sick — that's the entire premise behind Medgevity, the concierge, physician-led practice built by this week's guest, Keith Bozeman. After losing access to the kind of doctor who actually had time for him, Keith set out to rebuild what he'd lost: a coordinated team of a physician, dietitian, and exercise scientist working together year-round, not just during an annual physical. In this conversation, Keith and host Justine Reichman dig into what it actually looks like to have a health team instead of a single doctor squeezing you into a 15-minute slot. They talk about DEXA scans that reveal what the bathroom scale hides, why cholesterol numbers alone don't tell the full story, and why perimenopause and andropause so rarely get discussed before they hit. This episode is for anyone in midlife who's frustrated with reactive medicine and wondering what a proactive, team-based approach could actually change. By the end, you'll understand why Keith insists the doctor has to be the quarterback of your care — and why he thinks gyms, not hospitals, might be the next healthcare hub in your community. Key takeaways: A patient who lost only five pounds on the scale actually lost nine pounds of fat and gained four pounds of muscle — proof that body composition data tells a truer story than weight alone. High cholesterol doesn't automatically mean a statin is the right call; additional data like calcium and soft plaque scores can change the decision entirely. Most people get zero guidance before perimenopause or andropause hits, even during annual OB/GYN visits, leaving couples blindsided by symptoms no one warned them about. Medgevity doesn't mark up any test or supplement it recommends, removing the financial incentive that often muddies medical advice. It took Keith at least 18 months and one trusted dietitian saying yes before Medgevity had a functioning team — proactive healthcare had to be built relationship by relationship. Partnering with gyms instead of building brick-and-mortar clinics let Medgevity reach people nationwide without the geographic limits of an in-person practice. Listen to the full conversation to hear Keith's complete story, and subscribe to Essential Ingredients so you never miss an episode: https://tinyurl.com/Essential-Ingredients-Podcast  Meet Keith:  Keith Bozeman is a healthcare entrepreneur, business leader, and Founder & CEO of MEDgevity, a physician-led healthcare company focused on longevity, preventive medicine, and personalized wellness. With a mission to transform traditional healthcare into a proactive model centered on helping individuals live healthier, longer lives, Keith is driving innovation at the intersection of medicine, nutrition, fitness, and technology. Before founding MEDgevity, Keith built an accomplished executive career in the technology and business services sectors, serving as President of TEKsystems and holding multiple senior leadership positions throughout his tenure. He also contributed to the startup ecosystem as a Principal at Blu Venture Investors, supporting emerging technology companies and growth-focused ventures. Under Keith's leadership, MEDgevity has expanded its network of physicians, nutrition experts, and health professionals while embracing artificial intelligence and modern healthcare solutions to improve patient outcomes. He is passionate about redefining healthcare through evidence-based longevity strategies, integrated wellness programs, and innovative care delivery models. Keith is recognized for his expertise in healthcare innovation, business leadership, longevity medicine, preventive health, digital health transformation, and organizational growth. Website LinkedIn Instagram Connect with NextGen Purpose: Website Facebook Instagram LinkedIn YouTube Podcast Chapters: 01:16 Meet Keith Bozeman: The Visit That Started Medgevity 02:16 The Real Cost of Skipping Proactive Care 03:42 Why the Doctor Has to Be Your Health Quarterback 10:12 DEXA Scans: What the Scale Doesn't Tell You 17:31 From Supercenter Dream to Virtual Care Model 19:17 Building a Trusted Team From Scratch in 18 Months 22:13 What Your First Month at Medgevity Looks Like 24:03 Bringing Proactive Healthcare Into Gyms Nationwide 27:46 Keith's Advice: Don't Give Up on Healthcare  THE PRIMES  ✨ You're more capable than you have ever been, and somehow more invisible than ever. You keep handing out advice you do not take yourself. You keep saying 'after this next thing' to your own life, and the people around you have no idea because, from the outside, everything looks fine— that is exactly what The Primes was built for.

Some experiences shape you early, whether you're ready for them or not. For Monica Guardian, a defining childhood moment became the quiet force behind a lifetime of service. With over two decades of experience in public service, nonprofit leadership, and healthcare, she has developed programs that empower youth, strengthen families, and protect seniors—all rooted in a deep conviction that community care saves lives.This episode shows what happens when resilience is paired with action. Monica didn't just pursue a career—she built a purpose. Her story reveals how empathy, persistence, and vision can turn personal trials into a legacy of leadership and impact.In this episode of Amiga, Handle Your Shit, Monica Guardian opens up about growing up in East Los Angeles, co-founding a youth nonprofit as a teenager, and rising through the ranks of city government to manage multimillion-dollar community programs. She shares her international work on cyber safety, her leadership in healthcare, and the lessons she's learned about resilience, mentorship, and multiplying leaders.Monica opens up about starting a youth-led nonprofit as a teenager, running multimillion-dollar programs for the City of Los Angeles, and now shaping senior care as an executive in the healthcare sector. Her story is one of courage, service, and leadership rooted in empathy.Tune in to episode 246 of Amiga Handle Your Shit if you've ever questioned whether you have the strength to keep going. This episode will remind you: not only can you rise, you can transform hardship into impact for generations to come.Episode Takeaways:Monica's East LA upbringing and the family foundation that shaped her values (02:57)How the murder of her brother fueled her lifelong commitment to community service (05:16)Founding the East Los Angeles Youth Leadership Council as a teenager (08:12)What she learned about persistence while securing $63,000 in funding as a teen activist (09:37)Lessons in empathy, leadership, and public service from her time in city government (13:55)Her international work on cyber safety in Uruguay (24:06)Why building other leaders—not just leading—is the true test of leadership (31:10)How she blends family, career, and service while raising five children in a blended household (37:12)Monica's perspective on funding challenges in the nonprofit and health sectors (42:34)Her two powerful tips for every Amiga to “handle her shit”: show up for yourself daily and use the to-do list as your compass (45:47)Connect with Monica Guardian:LinkedInLet's Connect!WebsiteFacebookInstagramLinkedInJackie Tapia Arbonne's websiteBook: The AMIGA Way: Release Cultural Limiting Beliefs to Transform Your Life Hosted on Acast. See acast.com/privacy for more information.

In this Federalist Society America 250 series, experts analyze modern legal and policy debates through the lens of the Founding generation. The Founders gave us the tools to answer many contemporary questions; join us as we explore those answers.American lawyers have long been defined by a commitment to represent even the most unpopular clients—a tradition that traces back to the Founding. When John Adams defended the British soldiers after the Boston Massacre, he did so in the face of intense public hostility, underscoring a simple but enduring principle: the right to counsel does not turn on public approval. This webinar revisits that moment to examine the lawyer’s role in an adversarial system—not as an endorsement of a client’s conduct, but as a safeguard of the legal system itself.That principle has been under strain in recent decades. Lawyers representing controversial clients or causes have faced increasing public backlash and, in some cases, professional consequences. Similar pressures surfaced during the Red Scare, when attorneys representing alleged subversives were themselves subject to suspicion. As criticism shifts from clients to the lawyers who represent them, the question becomes harder to ignore: what happens to the legal system when representation itself is treated as suspect? Join our panel as they discuss what the Founding-era commitment to principled representation means for lawyers today.Featuring:William Creeley, Legal Director, The Foundation for Individual Rights in EducationErin E. Murphy, Partner, Clement & Murphy PLLC Prof. Richard Samuelson, Associate Professor of Government, Hillsdale College, Washington, D.C. Campus(Moderator) Hon. Jennifer Perkins, Judge, Arizona Court of Appeals, Division One CLEThis event has been approved for1.00 Total CLE HoursApproved specialty credit (DEI, Civility, Ethics, etc.) is included on the State Approval Status chart below.State Approval Status In order to receive CLE credit for this webinar, attendees must attend the Zoom Webinar and have access to the chat box. This event's accreditation is highly predicated upon interactivity and verification measures that are only available via the webinar.If you join via audio, calling in, SIP, or H.323, you will not be eligible to receive CLE Credit. CLE Materials Questions? Check out our CLE FAQ page.

(0:00) Thank you to everyone who joined the inaugural Boardroom Governance Summit (0:30) Intro (1:51) About the podcast sponsor: The American College of Governance Counsel (2:38) Start of interview (3:21) Raffaela Rein's Origin Story (4:44) Rocket Internet: the “copycat factory,” global expansion, execution, and leadership lessons (8:36) Founding and selling CareerFoundry (9:16) Raffaela's Board Journey: Porsche and other boards: PE, tech unicorn, startups and non-profits. (11:04) Why she founded BoardLens (15:00) AI as a Strategic Sparring Partner for board members: better preparation, sharper questions, and challenging assumptions (16:14) How BoardLens is different from a traditional board portal and why individual directors are adopting it (18:37) Confidentiality, Privilege, and AI: the risks of using public AI tools for board work (21:03) The AI models behind BoardLens: Anthropic, Gemini, and OpenAI (23:25) Open vs. Closed AI Models and balancing performance, security, and confidentiality (25:01) BoardLens users and the growing demand for AI in regulated industries (26:37) The “private equitization” of the economy and the rise of private-company boards (31:38) OpenAI, Anthropic, and New Governance Models: PBCs, nonprofits, trusts, and mission-driven governance (35:15) The Sam Altman episode and the unusual balance of power among boards, employees, and investors (36:34) Mission vs. Financial Interests in AI governance (37:47) Founder Control and Dual-Class Shares: SpaceX, Elon Musk, and investor willingness to accept unconventional governance (39:17) The Porsche IPO and other unconventional governance structures (41:07) U.S. vs. German Boards: comparing the single-board and two-tier governance models (44:00) Why the board meeting should be one of the most valuable meetings in the company, not simply a reporting exercise (44:40) Why Raffaela believes the AI transformation may be bigger than the digital transformation (45:36) AI Strategy and Governance education for directors (46:00) Building a Directors Council to think about the future of board work in an AI-driven world (47:44) Autonomous vehicles, disruption of the German and European auto industries, and global competition (48:15) What happens if AI makes many goods and services dramatically cheaper, or even effectively free? (49:04) Books that have greatly influenced her life: Radical Candor, by Kim Scott Never Split the Difference, by Chris Voss The Hard Thing About Hard Things, by Ben Horowitz (51:13) Her mentors and the people she admires for perseverance (52:12) Quotes she thinks of often: Invictus and “I am the master of my fate, I am the captain of my soul.” (52:54) An unusual habit: going through different color phases (53:56) The living person she most admires: Tony Robbins, and his ability to sustain a sense of purpose over decades Raffaela Rein is the CEO and founder of BoardLens, an AI-powered intelligence platform built for board members. Her career spans BlackRock, Rocket Internet, entrepreneurship, and corporate boards. You can follow Evan on social media at:Website: boardroom-governance.comX: @evanepsteinLinkedIn: https://www.linkedin.com/in/epsteinevan/ Substack: https://evanepstein.substack.com/YouTube: https://www.youtube.com/@BoardroomGovernance__To support this podcast you can join as a subscriber of the Boardroom Governance Newsletter at https://evanepstein.substack.com/__Music/Soundtrack (found via Free Music Archive): Seeing The Future by Dexter Britain is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License

I enjoyed talking with Katherine Dewar regarding her life story and founding GoodSense.   We covered a wide range of topics and got a better understanding of her origins, life growing up and move to New Zealand.   GoodSense site: GoodSense - Ethical marketing & sustainability marketing - Au and NZ We also mention Sustainable Business Network Welcome to Sustainable Business Network - SBN And B Corp bcorporation.net/en-us/ For more than 500 conversations, visit www.theseeds.nz 

Alex Margolis joins the show with cohosts Jack Cochran and Mathew James to share his experience as a founding sales engineer, pulling back the curtain on what it's really like to be the first SE at a startup. Alex discusses his deliberate decision to target founding SE roles as a way to fast-forward his career after six years at a company with limited growth opportunities, expecting to build processes and lead strategically from day one. Instead, he found himself supporting eight AEs and an equal number of BDRs, running five demos a day in a high-velocity sales environment that left little time for the strategic work he'd been promised. Follow Us Connect with Jack Cochran: https://www.linkedin.com/in/jackcochran/  Connect with Matthew James: https://www.linkedin.com/in/matthewyoungjames/  Connect with Alex Margolis: https://www.linkedin.com/in/alexnmargolis/  Links and Resources Mentioned Join Presales Collective Slack: https://www.presalescollective.com/slack  Presales Collective Podcast: https://www.presalescollective.com/podcast  Key Topics Covered Motivations for seeking founding SE roles and fast-forwarding your career The sales assistant trap: expectations vs. reality of strategic involvement Supporting eight AEs plus BDRs as the only SE in a high-velocity environment Setting boundaries and tracking workload to prioritize effectively Cross-functional relationship building as the company "facsimile" Interview questions to ask when evaluating founding SE opportunities Who the right fit is for high-volume founding SE roles Finding company culture fit and working with good people

SUPPORT KELLY P: https://www.gofundme.com/f/support-kellys-fight-against-cancer-and-hardship For the FULL EXPERIENCE head to: https://www.patreon.com/c/timbutterly  LADIES AND GENTLEMEN YOU KNOW HIM, AND LOVE HIM! Founding member of Legion Of Skanks, changing political media as we know it on Part Of The Problem, DAVE SMITH IS IN THE HIDEAWAY!  Gracing us with his presence, Dave, is here discussing Andrew Wilson's debate with Candace Owens, and giving us insights into what its like to be in the Political debate "Sphere". We also get some great insight into the rise and fall of the Mises Caucus, and what its like to attend Libertarian conventions. This is TRULY A GREAT EPISODE.  CHECK OUT MORE DAVE SMITH : https://www.youtube.com/@PartOfTheProblem   UPCOMING SHOWS AT https://timbutterly.com Catch the show live AND new eps of Metal Girl Solid live - https://www.twitch.tv/timbutterly  Let Rocket Money help you reach your financial goals faster at http://RocketMoney.com/BUTTERLY 

Don't Imbibe the Kool-Aid with Pastor David Whitney – Pastor Whitney and Pastor Pete explore this statement and dig into why they said that. Christianity is a faith that is built not on a person doing something for God in order to gain His favor. It is rather a faith that depends on God to forgive them their sins and give them the Holy Spirit, which has the power to overcome their...

Kate shares her life story on this episode and we learn about what led to the founding of the Planetary Accounting Network.   About the Planetary Accounting Network: https://www.planetaryaccounting.org/about-us  For more: Planetaryaccounting.org/join-us  and: Planetaryfacts.com Interview with Oonagh on chocolate mentioned: https://theseeds.nz/podcast/oonagh-browne-on-the-power-of-chocolate-and-cacao/  Nature as Shareholder paper mentioned https://www.parryfield.com/impact-investing-information-hub/  For more content visit www.theseeds.nz 

To close out our 10th anniversary micro-series, we flip the format: Yulee interviews Daniel about his own journey to founding the Asian American Center at Fuller Seminary. It's a more personal episode than usual, tracing the family history, faith formation, and institutional battles that shaped both Daniel and the Center itself. Daniel's upbringing in a Korean American church in Northern Virginia, and how growing up alongside non-Korean Asian American friends—while navigating an abusive father—shaped his early pull toward a broader Asian American identity His campus ministry years as “Grace Man,” and the pushback he got for it Going to Princeton to study Karl Barth and, for a time, trying to leave Asian American ministry behind entirely in pursuit of becoming “a legitimate theologian” The unraveling of that plan: unresolved family patterns, disillusionment with Tim Keller's Redeemer model, and a friend's blunt observation—”all you do is talk about Asian American stuff”—that brought him back Arriving at Fuller, starting the Asian American Theological Fellowship as a lone ThM student, and the years of institutional confusion that followed (mistaken-identity emails, “what language will you teach it in?”) The financial and political cost of building the Center—years on food stamps, a breakdown in an empty office, HR complaints, and resistance from unexpected places, including fellow Asian Americans The founding commitment to a truly pan-Asian American Center—not a “wink-wink” Korean or East Asian program—built around Asian heritage, migration experience, American culture, and racialization Where the Center is headed next: the Filipino American Ministry Initiative, the Korean American Ministry Initiative, South Asian American work, and the shift from research toward resourcing This one's a little different—less history lecture, more origin story. Thanks for listening, and thanks for walking this whole micro-series with us. We'll see you at the 10th anniversary celebration this October. Sign up to receive more updates from the AAC: aac.fuller.edu/newsletter/ If you appreciate the work we do at the Asian American Center at Fuller Seminary, please consider supporting us! Your monetary support sustains our vital work and expands Asian American research, leadership development, and pastoral formation for the Church in the year ahead. Donate here: fuller.edu/giveaac. For information about our 10th anniversary gala, visit tinyurl.com/10yearsaac

What does content marketing look like when creating more content is no longer enough? In this episode of the DMI podcast, host Will Francis speaks with Chima Mmeje, Senior Content Marketing Manager at Moz, about how marketers can stand out as AI transforms search, content, and the way audiences discover brands.From building direct relationships with audiences to finding genuine demand and using AI without losing your own voice, Chima shares her perspective on where content marketing is heading and the skills marketers will need to keep up.Chima's Top 3 TipsUnderstand the pain behind the problem: go beyond surface-level audience insights and understand what genuinely motivates people to seek a solution.Develop your storytelling skills: use storytelling to make your content distinctive, hold attention, and adapt ideas for different audiences and formats.Use AI as an assistant, not the thinker: bring your own strategy, expertise, and judgment, then use AI to help you execute and scale your ideas.The Ahead of the Game podcast is brought to you by the Digital Marketing Institute and is available on YouTube, Apple Podcasts, Spotify, and all other podcast platforms.And if you enjoyed this episode, please leave a review so others can find us. If you have other feedback or would like to be a guest on the show, email the podcast team!Timestamps0:03:16 – Why brands need to reduce their reliance on Google0:05:01 – Webinars, email, social and building owned audiences0:09:20 – Turning educational content into conversions0:13:41 – How content marketing is changing0:14:23 – Why creating more content is no longer enough0:16:18 – Creating useful resources instead of basic articles0:16:30 – Storytelling and multimodal content0:18:47 – Using AI to repurpose content0:20:55 – The biggest mistake marketers make with AI0:24:04 – Why personality matters more in the age of AI0:24:45 – How obvious AI content can damage trust0:26:24 – Earning and keeping attention in search0:27:45 – Finding content demand across search,social and AI0:29:34 – Building authority across your online presence0:32:03 – Why you can't trust AI agents0:33:05 – Building AI workflows that keep humans in control0:35:12 – When to hand repetitive work over to AI0:36:33 – The skills marketers need for the future0:40:52 – Understanding your audience's deeper pain points0:42:51 – Founding the Freelance Coalition for Developing Countries0:45:33 – The importance of building skills and accessing better opportunities

It's no secret, we at Constituting America are big fans of the Declaration of Independence.  What Thomas Jefferson so eloquently wrote quite literally changed the world.  But have you stopped to think exactly how it changed the world?  How did it influence other countries who were perhaps seeking independence?  Did you know in the time since our Declaration of Independence was written, over 100 countries have adopted similar declarations, inspired by our Declaration?  To discuss this global impact beyond just words on paper as well as their fantastic landmark exhibit celebrating America 250, we are honored to welcome Matthew Skic from the Museum of the American Revolution as our special guest this week.

I've just opened French Stories Made Easy — a new membership for French beginners!

At what point does healing become another way of telling ourselves there's something wrong with us?In this episode, Jessica explores the difference between healing and constantly trying to fix yourself.Healing can become another form of striving: another wound to uncover, belief to clear, pattern to understand, or version of ourselves to become before we finally give ourselves permission to live.Jessica shares how her astrology and Human Design reflect something she already intuitively knows: she requires space, solitude, and deep rest to reclaim herself and create.As a Manifestor, she isn't designed for constant output. As a 5/1 Investigator, she also recognizes the desire to keep researching, understanding, and going deeper.These can be incredible gifts. But every gift can have a shadow.Sometimes the desire to understand ourselves becomes an endless excavation project.Going deeper isn't always the same as healing deeper.Jessica also explores using astrology, Human Design, and spiritual philosophies as tools for self-awareness rather than authorities over our lives.The knowing comes first. The tools help us recognize and trust what we already know.Because sometimes healing isn't about finding another layer.Sometimes it's about integrating what you've already learned and allowing yourself to live.You don't have to finish healing before you're allowed to live.In This Episode​ Intuitive healing + self-trust​ Healing vs. self-fixing​ Perfectionism in personal development​ Manifestor energy, rest + space​ The 5/1 Investigator + endless excavation​ Astrology + Human Design as tools​ Nervous system awareness​ Honoring your natural blueprint​ Integration vs. constantly doing more​ Creating around your energyA Question to Sit WithAm I tending to myself, or am I trying to fix myself?Maybe awareness is enough.Intuitive Living: The Foundations of Rooted & RisingComing soon.A timeless audio experience intentionally created to be revisited again and again.Safety Within — Come back to your body.Remember Who You Are — Come back to yourself.The Body Knows — Trust what you know.This isn't something I created for you to finish.I created it for you to return to.Founding access: $44Standard investment: $88JOIN THE WAITLISTExplore + Work With JessicaBOOK A 1:1 SESSIONINSTAGRAM: @peoplecallmejessWEBSITEIf this episode resonated, follow Jessica Meils the Podcast, leave a rating or review, and share it with someone who may need this conversation.About Jessica MeilsJessica Meils is a Spiritual Medium, Intuitive Healer, Shamanic Practitioner, and Womb Healing Guide.Through intuition, intuitive living, mediumship, intuitive healing, shamanic practices, womb healing, ancestral healing, energy healing, nervous system regulation, somatic embodiment, intuitive astrology, and spiritual and psychic development, Jessica helps people strengthen self-trust, reconnect with their inner wisdom, and remember who they are.Her work bridges spirituality with grounded embodiment through one-to-one sessions, immersive experiences, and Jessica Meils the Podcast.Keywords: intuitive healing, intuition, self-trust, spiritual medium, mediumship, shamanic practitioner, womb healing, ancestral healing, intuitive astrology, spiritual and psychic development, nervous system regulation, somatic embodiment, Human Design, Manifestor, 5/1 profile, perfectionism, limiting beliefs, intuitive living.

 With Louis Diamond Vanguard's acquisition of Altruist could reshape RIA custody, bringing together Altruist's technology with the scale, capital, and reputation of one of the industry's best-known brands. In Summary Vanguard's acquisition of Altruist brings one of the financial industry's most established brands together with one of RIA custody's fastest-growing challengers. In this Rapid Reaction Industry Update, Louis Diamond looks beyond the reported $4B+ purchase price to consider what the combination could mean for advisors—what he sees as the good news, the potentially negative outcomes, and everything in between. Altruist gains the capital, scale, and brand recognition that could help it compete more aggressively for larger RIAs and breakaway teams. Vanguard gains a technology-forward custody platform and greater access to the independent advisor channel. The larger implication may be increased competition across RIA custody. With Schwab and Fidelity controlling much of the market, a Vanguard-backed Altruist could create new pressure around technology, pricing, service, referrals, and innovation—while raising new questions about how Vanguard balances its growing advice business with its role as custodian. The Storyline RIA custody has long been dominated by Schwab and Fidelity, particularly since Schwab's acquisition of TD Ameritrade. Altruist emerged as one of the few credible challengers, building its position around modern technology, lower costs, and an advisor-focused platform.   But technology was only part of the equation. For larger breakaway teams in particular, Altruist faced another hurdle: brand recognition. Advisors could be impressed by the platform while still wondering how clients accustomed to names like Merrill, UBS, Morgan Stanley, Schwab, or Fidelity would respond to an unfamiliar custodian.   Vanguard changes that equation.   Louis examines why the acquisition makes strategic sense for both companies, from Vanguard's push to expand access to financial advice to Altruist's opportunity to operate with the backing of a well-capitalized, long-term owner.   For advisors, however, the bigger story is what happens next. A stronger competitor in custody could affect everything from technology and pricing to referral opportunities and the choices available to breakaway advisors.   There are also important questions still unanswered. Vanguard operates its own advice businesses. Altruist's speed and fintech culture may be tested inside a much larger organization. And while Vanguard says Altruist will remain independent, the longer-term operating model remains to be seen.   The deal may not change advisors' options immediately. But it has the potential to change the competitive dynamics surrounding those options considerably.   Topics Covered Vanguard's acquisition of Altruist RIA custody competition Schwab and Fidelity Altruist's technology and Hazel AI Vanguard's financial advice strategy Custodian brand recognition for breakaway advisors Advisor referral networks Custody and technology pricing Direct advice and custodian conflicts The future of RIA platforms and Supportive Independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why is the Vanguard-Altruist acquisition significant for RIA custody? (03:53)Louis explains why custody has remained highly concentrated around Schwab and Fidelity and how combining Vanguard's scale and reputation with Altruist's technology could create a much stronger third competitor.   What problem does Vanguard potentially solve for Altruist? (05:01)Altruist has built a strong reputation among advisors for its technology, but larger breakaway teams have sometimes questioned whether clients would recognize or trust the brand. Vanguard could significantly reduce that concern.   Why does buying Altruist make sense for Vanguard? (07:00)Vanguard has more than 50 million investors and has publicly discussed the need to expand access to financial advice. Louis considers how Altruist could give Vanguard both additional capacity and a stronger connection to independent advisors.   What does Altruist gain from Vanguard beyond capital? (09:51)Louis discusses the significance of having a long-term, investor-owned parent rather than remaining dependent on successive rounds of venture capital, while gaining additional resources to develop custody, technology, and Hazel AI.   How could this acquisition change the choices available to breakaway advisors? (12:33)The combination of Altruist's technology with Vanguard's brand could make the platform more viable for larger teams that previously hesitated because of client recognition and trust concerns.   Could Vanguard become a meaningful source of client referrals to RIAs? (13:42)With millions of existing investors and more demand for advice than Vanguard can necessarily serve internally, Louis considers whether a future referral program connecting Vanguard clients with Altruist RIAs could become an important competitive advantage.   What are the potential risks of the Vanguard-Altruist combination? (16:54)The acquisition also raises questions around Vanguard's competing advice business, Altruist's long-term independence, differences in corporate culture, innovation speed, and talent retention.   What could happen next across the custody market? (20:00)Louis offers several predictions, including responses from Schwab and Fidelity, wider adoption of Hazel AI, a potential Vanguard-Altruist referral channel, and greater use of Altruist by breakaway advisors.   Key Takeaways Vanguard's acquisition of Altruist could introduce a more formidable competitor into an RIA custody market heavily concentrated around Schwab and Fidelity. Vanguard addresses one of Altruist's biggest challenges with larger breakaway teams: providing a widely recognized financial brand that advisors can more easily explain to clients. Altruist gives Vanguard a technology-forward entry point into RIA custody as Vanguard continues expanding its strategy around access to financial advice. Advisors could benefit from greater competition through pressure on custody and technology pricing, service, product development, and innovation. A future referral channel could become an important part of the combination, particularly given Vanguard's enormous investor base and Altruist's growing network of RIAs. The acquisition also introduces potential conflicts and execution risks, including Vanguard's own advice businesses, the integration of two very different corporate cultures, and questions about whether Altruist can maintain its speed and independence over time. For breakaway advisors, the custody shortlist may have changed: Altruist can now pair its technology and fintech capabilities with the capital and reputation of Vanguard. https://youtu.be/UlgCBjLXrnw Quotable Moments “Custody is really a trust business.”— Louis Diamond (05:55) “Every time a well-capitalized player shows up, especially in custody, advisors win.”— Louis Diamond (12:33) “Really, it's tech-forward independence now without a brand trade-off.”— Louis Diamond (13:42) “There are always innovators showing up from outside the establishment, and every time one succeeds, advisors end up with more options and more leverage and more negotiating power than they had the year before.”— Louis Diamond (22:44) FAQs Why is Vanguard acquiring Altruist? Louis sees several strategic reasons for the acquisition. Altruist gives Vanguard an established technology and custody platform serving more than 6,000 advisors, while potentially expanding Vanguard's ability to reach investors through independent financial advisors. It may also provide another distribution channel for Vanguard investment products and future offerings. What does Vanguard's acquisition mean for Altruist? Altruist gains the backing of one of the world's largest and best-known investment firms while retaining, at least initially, its brand, leadership, and operating structure. Vanguard's capital could allow Altruist to continue investing in custody capabilities, technology, and products such as Hazel AI without relying on additional venture funding rounds. How could the acquisition affect RIA custody competition? Schwab and Fidelity currently dominate RIA custody. Louis believes a Vanguard-backed Altruist could become a stronger challenger by combining Altruist's technology and pricing model with Vanguard's scale, capital, and reputation. That could increase competitive pressure around pricing, service, technology, and innovation. Why could the deal matter to breakaway advisors? Altruist's technology has attracted advisor interest, but some larger breakaway teams have questioned whether clients would be comfortable holding substantial wealth with a less familiar custodian. Vanguard's ownership could substantially reduce that brand-recognition hurdle and make Altruist a more viable option for larger teams. Could Vanguard refer clients to advisors using Altruist? No referral program has been announced. However, Louis believes it is an important possibility to watch. Vanguard has more than 50 million investors, while Altruist provides access to thousands of independent advisors. Connecting investors seeking human advice with RIAs on the Altruist platform could create a meaningful new referral channel. Are there risks for advisors using a Vanguard-owned custodian? Potentially. Vanguard operates its own financial advice businesses, creating some of the same competitive concerns advisors have raised about other custodians with retail advice operations. Other questions include whether Altruist will remain operationally independent over time and whether its culture and pace of innovation can be maintained under Vanguard ownership. What happens next for Altruist, Schwab, and Fidelity? Louis expects the competitive response to be worth watching. He believes Schwab and Fidelity could respond through technology, AI, pricing, or other changes to their advisor offerings. He also expects Altruist to compete more aggressively for breakaway teams and sees the potential for Hazel AI to expand well beyond advisors who custody assets with Altruist. Does the Vanguard-Altruist deal change anything for advisors immediately? Not necessarily. The transaction still needs to close, and its longer-term impact will take time to emerge. But for advisors evaluating custodians, independence, or the value they receive from existing partners, the acquisition adds another factor to consider as the competitive landscape evolves. Louis sees several strategic reasons for the acquisition. Altruist gives Vanguard an established technology and custody platform serving more than 6,000 advisors, while potentially expanding Vanguard's ability to reach investors through independent financial advisors. It may also provide another distribution channel for Vanguard investment products and future offerings. Altruist gains the backing of one of the world's largest and best-known investment firms while retaining, at least initially, its brand, leadership, and operating structure. Vanguard's capital could allow Altruist to continue investing in custody capabilities, technology, and products such as Hazel AI without relying on additional venture funding rounds. Schwab and Fidelity currently dominate RIA custody. Louis believes a Vanguard-backed Altruist could become a stronger challenger by combining Altruist's technology and pricing model with Vanguard's scale, capital, and reputation. That could increase competitive pressure around pricing, service, technology, and innovation. Altruist's technology has attracted advisor interest, but some larger breakaway teams have questioned whether clients would be comfortable holding substantial wealth with a less familiar custodian. Vanguard's ownership could substantially reduce that brand-recognition hurdle and make Altruist a more viable option for larger teams. No referral program has been announced. However, Louis believes it is an important possibility to watch. Vanguard has more than 50 million investors, while Altruist provides access to thousands of independent advisors. Connecting investors seeking human advice with RIAs on the Altruist platform could create a meaningful new referral channel. Potentially. Vanguard operates its own financial advice businesses, creating some of the same competitive concerns advisors have raised about other custodians with retail advice operations. Other questions include whether Altruist will remain operationally independent over time and whether its culture and pace of innovation can be maintained under Vanguard ownership. Louis expects the competitive response to be worth watching. He believes Schwab and Fidelity could respond through technology, AI, pricing, or other changes to their advisor offerings. He also expects Altruist to compete more aggressively for breakaway teams and sees the potential for Hazel AI to expand well beyond advisors who custody assets with Altruist. Not necessarily. The transaction still needs to close, and its longer-term impact will take time to emerge. But for advisors evaluating custodians, independence, or the value they receive from existing partners, the acquisition adds another factor to consider as the competitive landscape evolves. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. Related Resources  Rise and Reinvent: Joe Duran on Building and Rebuilding World-Class Firms From Insurance Sales to $8B RIA: A Northwestern Mutual Breakaway Story Diamond Consultants 4th Annual Advisor Transition Report View the transcript of this episode… Vanguard Acquires Altruist: What It Means for RIAs, Custody & Breakaway Advisors With Louis Diamond Louis Diamond (00:06): Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is a special rapid reaction industry update, Vanguard acquires Altruist, what it means for advisors in the industry. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond (00:28): At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. (01:21): Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond (02:05): Funny how the biggest news in the business almost never comes from the firms everyone is watching. On Wednesday, August 26th, 2026, Vanguard announced its acquiring Altruist. If you asked me a year ago to name the company most likely to buy an RIA custodian, Vanguard would not have been near the top of my list. Vanguard was in the RIA custody business once. They left in 2003 and handed roughly $120 billion of advisor assets to TD Ameritrade on the way out. 23 years later, they’re buying their way back in, reported $4 billion or more. So let’s talk about what happened, why it matters, and where I think it goes from here. (02:48): What happened? On August 26th, 2026, a definitive agreement was announced out of Valley Forge, Pennsylvania. A deal is closing later this year where Vanguard is acquiring Altruist, the relative upstart RIA custodian. The price, an undisclosed number, but a reported $4 billion, some outlets reporting $4.6 billion or more. Either way, more than double their last private market valuation at the end of April 2025. Another element is Altruist is staying as a standalone. They’ll keep their brand, CEO, management team, and operate the same model just as a wholly owned subsidiary of Vanguard. Altruist in one breath, for those unaware, was a custodian and fintech company founded in 2018 by Jason Wenk. They became a self-clearing custodian, third largest as far as number of advisors served, north of 6,000 advisors, and had a reputation for serving smaller or upstart advisors, but recently started getting into more of the larger market breakaway space. (03:53): One estimate I’ve seen peg’s Altruist market share of RIA custody at around 6%, but you compare that to about three quarters of the market for Schwab and Fidelity combined. So a relatively small player, but a rapidly emerging player and threat in US RIA custody. This is not the first time Vanguard has been involved with Altruist. They reportedly were an early investor in Altruist back in 2020 and former Vanguard CEO, Bill McNabb, has been on the board of Altruist, so a lot of history between the firms. Let’s get into now why I think this is interesting for the industry as a whole. In my view, custody has never really been all that competitive, especially since TD Ameritrade sold to Schwab. You really had an oligopoly between Schwab and Fidelity. Sure, there’s a number of compelling, say more boutique custodians, whether Pershing Advisor Solutions, Goldman Sachs, which was another newer entrant to custody, LPL, Raymond James, First Clearing, and a number of others are also in the space, but it is a market that is dramatically dominated by the two largest players. (05:01): So I think this matters because you add an amazing venerable brand and reputation of Vanguard with this scrappy upstart custodian, and all of a sudden you can see a world where custody is one of the more competitive spaces in the industry. Altruist, in my view too, was one of the first credible challengers to the incumbent custodians in 20-ish years. Goldman has since picked up some decent market share and certainly they’re attractive for the segment of advisors. But Altruist with their tech-forward approach, low fees, and even just the way they went to market as an antagonist to Schwab and Fidelity, they’re a big deal and I think this just magnifies what they’re able to do. The gap though for Altruist was brand and reputation. Sure, they had amazing tech. No one ever has doubted that. Hazel AI, which they recently launched has been very well received. (05:55): Advisors I’ve worked with who have demoed the platform are incredibly impressed. The big Achilles heel though for Altruist has been my clients don’t know who Altruist is. Why would my clients put their millions of dollars of wealth with a self-clearing custodian that doesn’t have the same scale or reputation as the incumbent custodians? Well, that really goes away here. And at the end of the day, custody is really a trust business, but you’d have to think that a client would trust their assets held with Vanguard or with Altruist through Vanguard in a very similar way that they would trust assets held by Bank of New York Mellon or Charles Schwab or Fidelity Investments or Goldman Sachs. So to me, Vanguard acquiring Altruist solves that problem in one sentence, very simple. Why I think this makes sense for Vanguard? Salim Ramji, the CEO of Vanguard, has been saying since he arrived from BlackRock two years ago that only one in five Americans work with a fee-based financial advisor and that quality advice shouldn’t be a luxury good and this shortage is only going to get worse as advisors retire. (07:00): This is really him putting his money where his mouth is and really trying to make financial advice, human directed financial advice more accessible to everyday Americans and the upper echelons of wealth in this country. Vanguard as a company has over 50 million reported investors and over 12 trillion in assets. A lot of these people want Vanguard advice, but Vanguard hasn’t had the manpower or the capacity to deliver it itself. Buying Altruist over time can certainly solve that capacity gap and make it so that a human-based financial advisor or any of Vanguard’s internal platforms now have a greater ability to provide advice to Americans looking for financial advisors in the United States. I think this also means more distribution capability for Vanguard funds. Not that Vanguard has ever had a problem with distribution. They have a relatively small wholesaling force compared to other firms, but given their cost and reputation and performance, they’re really on pretty much every platform. (08:04): Most advisors have some clients that are invested into Vanguard mutual funds or ETFs, but this I think just gives them a greater ability to distribute Vanguard products, probably in a similar way to Goldman’s approach. When Goldman entered US RIA custody, in large part, they were doing it for distribution of different things. For Goldman, it was private markets and lending and other types of products. Vanguard is more ETFs and mutual funds, but Vanguard has also been pushing more into the private market space, so I can definitely see a world in which they can ratchet up the distribution of their products in a fairly cost-efficient way. I think to me, the most interesting thing about this marriage is the mission overlap is quite real. When Vanguard started, and to this day, their goal was to provide quality investment products at a fraction of the cost of the incumbents so that investing can be accessible to everyday Americans. (08:59): That’s exactly the verbiage that Jason Wenk and Altruist has used from the beginning, where they want to become a all-in-one hub or tech-enabled custodian so that an advisor, regardless of their size and a client regardless of their AUM, have the ability to get quality advice. I recently listened to a podcast called Acquired. We’ll link it in the show notes, but it’s a three-hour in-depth look into the building of Vanguard. And if you combine that with the podcast episode that I recorded with Jason Wenk, the CEO of Altruist, if you play them side by side, the parallels are eerily similar. So we’ll link both into the show notes, but I really think both of these firms were cut from the same cloth and really from the beginning, both have gone against the grain and tried to rattle incumbent players in the industry. So at least on paper, seems like a very good match. (09:51): Why does this deal make sense for Altruist? For one, for Jason Wenk and his leadership team, this has to be the outcome you drew up, maybe even better. Founding a new custodian in 2018, selling it in 2026, eight years later for over $4 billion, that’s a pretty incredible return on time for this team. They deserve it all and built something special and really entered into a space where no one wanted to venture just given the market share of the major incumbents, but good for them and has to feel good to pull off this type of sale. I think the big thing too is the buyer is the story. Vanguard as a company, it’s investor owned. They’re not private equity owned. They’re not VC backed like Altruist was. So Altruist can get off of the fundraising treadmill. They don’t have to worry about fund life or a five-year hold period or an eventual sale to a strategic. (10:42): Now they can really just focus on the business at hand, having one of the most well-capitalized companies in the world as their capital backer and owner. And every advisor on a PE-backed platform knows the question hanging over every relationship, who owns this next? That’s a question they won’t have to answer anymore at all, and they can really just focus now going forward. I think this also gives Altruist a fortress balance sheet and a ton of capital to keep pushing and developing their Hazel AI platform, which was launched in September 2025. Hazel’s an AI tax planning tool, kind of AI superpower that really has taken the industry by storm and has started to be sold as a standalone product to RIAs. And from what I’ve seen, they’ve sold it to over 1600 new RIAs just in the first month alone for $60 a seat per month, and that’s available to folks if they custody at Altruist or not. (11:36): So this, I think, just gives them an ability to distribute their fintech solutions and certainly develop their custody platform in a way that maybe was challenging or not as possible before. They can also take a longer term view instead of having to worry about they raised a series F, whatever comes after F and an eventual sale, investors wanting to get a return on capital, they can now focus on building over the long term, which has been Vanguard’s strategy all along. I think too, this will give Altruist the ability to invest in new capabilities that they didn’t have before, whether it’s lending or whether it’s more on the product side. It takes a lot to be a custodian. It seems like a relatively straightforward business just holding assets, but there’s a lot of products, solutions, really requirements that everyday investors and RIA clients have, and I think this will just ratchet up Altruist’s ability to close some of the capability gaps that they’ve had since they launched and they’re very transparent about those. (12:33): What I’m most excited about this, just coming from my vantage point in the industry, is why should an advisor care? To me, there’s five things that advisors should really take notice of with this acquisition. First one’s competition. Every time a well-capitalized player shows up, especially in custody, advisors win. Schwab and Fidelity have fought Vanguard in the asset management space for decades, and more recently in financial advice. Now you’re adding custody against a firm that doesn’t need to be profitable the next quarter, and all of a sudden we very much have an arms race and some competition is good for pricing, for service, for innovation, and I think this is going to be only positives for clients across the country, having another competitive option and keeping the incumbents really on their toes. Another reason, the breakaway shortlist has changed. Objection I always heard about Altruist was, “The tech is great, the AI seems cool, but how do I explain the name Altruist to a 68-year-old client who’s leaving Merrill or UBS or Morgan Stanley?” (13:42): While someone may still get some objections because Vanguard may not have the same brand cache as Goldman Sachs or UBS Private Wealth or Merrill Private Wealth, that objection got a lot weaker today. Really, it’s tech-forward independence now without a brand trade-off. It’s a genuinely different offer in the market than it was before. Third, I think this is one that hasn’t been talked about much, but should be watched closely, potential for referrals. Schwab confirmed last week that it was taking the SAN or the Schwab Advisor Network client referral minimum from two million to five million. For anyone not aware, referrals from the retail branches of Schwab and Fidelity are one of the major organic growth funnels for many of the top RIAs in this country and have driven valuations to billions and billions of dollars for firms that are in this program. (14:36): I really do see this as being a potential new massive referral opportunity of Vanguard existing clients and customers to Altruist custody to RIAs at a time when Schwab is trying to keep more of those referrals from themselves, which is a very savvy strategy, but at the same time, probably creates a bit of an opening for Altruist and Vanguard to become a really good referral hub for clients, which is a major draw for signing up new RIAs as clients, for breakaway advisors, et cetera. (15:07): So more details need to come there. We don’t even know if they’re starting a referral channel, but I have to imagine that’s high in the punch list and will be a very compelling offering in the marketplace. Yeah, think about it. Vanguard is 50 million investors and a CEO who said multiple times that they don’t have enough advisors or humans to deliver this advice. So perfect. You now have a massive array of RIAs and more and more coming to the table who offer that advice and being able to still serve them, still keep the assets in-house, but do it in a way where Vanguard doesn’t have to scale up their advisor force. They now have advisors to refer to. Fourth is pricing. I think the Vanguard effect is going to be real here. When Vanguard started, and even to this day, they’ve been the one who’ve pushed down the expense ratio on mutual funds and ETFs. (15:56): It’s been a massive benefit to investors across this country. It’s been Altruist’s playbook all along too, more focused on the advisor, so offering amazing tech and a custody platform for virtually no cost to an advisor. So I would say whatever you’re paying for technology, for custody, and really anything else that Altruist and Vanguard might touch, I would expect it to go down potentially and just have more pressures on the incumbent firms to really sharpen their pencil or to get more creative on pricing and innovation. I think that the fifth thing to keep in mind is Schwab has long used its scale and positioning in the market to best competitors, whether it was going to $0 on tickets for equities and ETFs, et cetera, a number of years ago or a number of other strategies they’ve taken. Now you have a firm that has similar scale as Schwab, a reputation for playing the long game and being comfortable making less money in the process. (16:54): So again, massive benefit to the advisors to have another major player driving down costs and increasing innovation in the space. But this is not all positives. As with anything, there’s the good and the bad, and also some open questions. The biggest, I think, downside or potential thing to watch here, and certainly if you are a BDO at a custodian, this is the line you’re using, “Vanguard has its own advice business, personal advisor, digital advisor, and a CEO who stated that his goal is that an advisor is in every investor’s pocket.” So now you have the custodian that’s holding your client’s assets also running one of the largest advice operations in the country. We’ve heard this concern in the past about Schwab or Fidelity where you have RA custody and then these firms have massive retail distribution networks. So certainly Vanguard, I think, will be in the same lane. (17:46): And if you look at a Pershing or an LPL or Raymond James, it’s a little bit different because they don’t have their own channels in the same way that Schwab or Fidelity do. So certainly if you’re BNY Mellon in particular, which is a straight B2B custodian, this is a clear point of differentiation for Vanguard, Altruist and certainly versus the other custodians. Next one is Vanguard has said that Altruist will remain a standalone business. The brand will stay intact, the management team, et cetera. But in fairness, every acquirer says versions of the same thing. The real test is let’s wait two years, three years and see how converging roles or similar roles across the firm start to converge into one, and over time will they more Altruist brand and human capital into one structure. (18:36): Right now we don’t know, but I’m always a bit skeptical with acquisitions that you have the honeymoon period, takes time for the deals to close, and then what happens a couple of years down the line? Either as there’s new executives in charge, there’s turnover, or just there’s certain synergies that can be had, and the best way to do it is by combining operations and the like. (18:56): The next risk, I think it might sound a little bit mundane, but it’s culture and speed. Vanguard based in Valley Forge, Pennsylvania, Altruist in LA, very different cultures. Altruist as a fintech company has been superfast to market, building, breaking things, innovating. And Vanguard, I think they’ve been extremely innovative on pricing, on product development, but I’ve never heard amazing reviews about Vanguard’s technology. So does this convergence of cultures create an issue? Does it create more bureaucracy for Altruist trying to build stuff? Is there a cultural mismatch when it comes to speed of market and innovation? And I think the last thing to keep in mind or to watch is the talent drainage at Altruist post-closing. Yes, I was a FinTech company and custodian offering equity, lots of upside for people that have taken this journey with them. Vanguard notoriously is the opposite. They don’t offer equity to anyone and they offer their employees high base salaries and you have a culture of longevity within the firm. (20:00): So after the lockup period is done for, or the earn out period is done for any Altruist equity owners and many of their employees, does that cause some talent drainage where folks want to go onto the next big thing, think what will happen to all the amazing SpaceX employees a year from now when their IPO lockups are done? Does that lead them to another opportunity? All these are questions I don’t know, but trying to play devil’s advocate. I think the biggest potential negative is just the Vanguard advice business as a competitor, a conflict to RIA custody. Let me give you a couple of predictions before we wrap here. I think Schwab and Fidelity will respond fast, whether it’s on the AI front or because the pressure is really on. I don’t know, maybe the $5 million referral minimum that Schwab just announced, maybe that sunsets after a period of time. I have no idea. (20:53): I’m also excited to see, we’ll call it the tech face off between Altruist and Robinhood. Robinhood acquired TradePMR, which is on the Wells Fargo First Clearing platform and is in the process of launching an RIA custodian themselves. So now you have, I think, two pretty incredible tech-forward custodians really trying to gain market share, so that will be fun to watch. Could there be a threat in the RIA platform space? So RIA platforms meaning RIAs, we call them supportive versions of independence, where advisors can plug into, they get technology, compliance, operations, et cetera, and still own their business. Given the end-to-end tech stack that Altruist boasts, and they’ve also been in development of their own corporate RIA, does that become that much more of a competitive feature that could possibly become a solution in and of itself that takes a dent out of these RIA platforms playbook? (21:45): I don’t know, but I think it’s possible. Altruist Hazel AI, does that push even well beyond custody? There’s a ton of AI and fintechs popping up around the industry. Hazel has certainly taken a lot of headlines and attention. With Vanguard behind it now, does that push the price lower? Does it help their distribution? Maybe you picture this, if you have a Vanguard-owned product sitting in the daily workflow of a competitor’s advisors, so let’s say you’re a Morgan Stanley, you’re a Schwab advisor, et cetera, do you now have a Vanguard-owned product in Hazel as part of your workflow or your fintech stack? Could be interesting. I will call a referral channel for Vanguard or Altruist, we’ll say within the next year or two. I think it would be crazy if that didn’t happen and that will be a massive disruptor. And finally, my prediction is more breakaways landing in Altruist. They’ve started to crack that door, but now with the powerful brand and reputation behind them, the sky’s probably the limit. (22:44): So in closing, a guy, Jason Wenk, started a company in 2018 in Los Angeles because he thought independent advisors deserve better software at a lower price. Eight years later, one of the most respected financial institutions in the world paid $4 billion for it, and the reason is he was right in that bet. There are always innovators showing up from outside the establishment, and every time one succeeds, advisors end up with more options and more leverage and more negotiating power than they had the year before. It’s a consistent theme across the industry. So nothing changes tomorrow, deals take time, deals have a way of falling apart, but if you’re evaluating custodians, thinking about independence for the first time, wondering whether your current partner is going to keep earning your business, today is a good day to reopen that question. And if you’re an advisor, I think cheer this on and be excited. (23:42): And as a industry participant, I am very excited to see how this deal takes hold and how this pushes the rest of the industry to innovate and continue to be better. So that’s it for today. Thank you for hearing my ramblings, and I’ll see you next time. Mindy Diamond (24:02): As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients, but are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay Or Should I Go? Is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.   Vanguard Acquires Altruist: What It Means for RIAs, Custody & Breakaway Advisors With Louis Diamond Louis Diamond (00:06): Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is a special rapid reaction industry update, Vanguard acquires Altruist, what it means for advisors in the industry. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond (00:28): At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. (01:21): Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond (02:05): Funny how the biggest news in the business almost never comes from the firms everyone is watching. On Wednesday, August 26th, 2026, Vanguard announced its acquiring Altruist. If you asked me a year ago to name the company most likely to buy an RIA custodian, Vanguard would not have been near the top of my list. Vanguard was in the RIA custody business once. They left in 2003 and handed roughly $120 billion of advisor assets to TD Ameritrade on the way out. 23 years later, they’re buying their way back in, reported $4 billion or more. So let’s talk about what happened, why it matters, and where I think it goes from here. (02:48): What happened? On August 26th, 2026, a definitive agreement was announced out of Valley Forge, Pennsylvania. A deal is closing later this year where Vanguard is acquiring Altruist, the relative upstart RIA custodian. The price, an undisclosed number, but a reported $4 billion, some outlets reporting $4.6 billion or more. Either way, more than double their last private market valuation at the end of April 2025. Another element is Altruist is staying as a standalone. They’ll keep their brand, CEO, management team, and operate the same model just as a wholly owned subsidiary of Vanguard. Altruist in one breath, for those unaware, was a custodian and fintech company founded in 2018 by Jason Wenk. They became a self-clearing custodian, third largest as far as number of advisors served, north of 6,000 advisors, and had a reputation for serving smaller or upstart advisors, but recently started getting into more of the larger market breakaway space. (03:53): One estimate I’ve seen peg’s Altruist market share of RIA custody at around 6%, but you compare that to about three quarters of the market for Schwab and Fidelity combined. So a relatively small player, but a rapidly emerging player and threat in US RIA custody. This is not the first time Vanguard has been involved with Altruist. They reportedly were an early investor in Altruist back in 2020 and former Vanguard CEO, Bill McNabb, has been on the board of Altruist, so a lot of history between the firms. Let’s get into now why I think this is interesting for the industry as a whole. In my view, custody has never really been all that competitive, especially since TD Ameritrade sold to Schwab. You really had an oligopoly between Schwab and Fidelity. Sure, there’s a number of compelling, say more boutique custodians, whether Pershing Advisor Solutions, Goldman Sachs, which was another newer entrant to custody, LPL, Raymond James, First Clearing, and a number of others are also in the space, but it is a market that is dramatically dominated by the two largest players. (05:01): So I think this matters because you add an amazing venerable brand and reputation of Vanguard with this scrappy upstart custodian, and all of a sudden you can see a world where custody is one of the more competitive spaces in the industry. Altruist, in my view too, was one of the first credible challengers to the incumbent custodians in 20-ish years. Goldman has since picked up some decent market share and certainly they’re attractive for the segment of advisors. But Altruist with their tech-forward approach, low fees, and even just the way they went to market as an antagonist to Schwab and Fidelity, they’re a big deal and I think this just magnifies what they’re able to do. The gap though for Altruist was brand and reputation. Sure, they had amazing tech. No one ever has doubted that. Hazel AI, which they recently launched has been very well received. (05:55): Advisors I’ve worked with who have demoed the platform are incredibly impressed. The big Achilles heel though for Altruist has been my clients don’t know who Altruist is. Why would my clients put their millions of dollars of wealth with a self-clearing custodian that doesn’t have the same scale or reputation as the incumbent custodians? Well, that really goes away here. And at the end of the day, custody is really a trust business, but you’d have to think that a client would trust their assets held with Vanguard or with Altruist through Vanguard in a very similar way that they would trust assets held by Bank of New York Mellon or Charles Schwab or Fidelity Investments or Goldman Sachs. So to me, Vanguard acquiring Altruist solves that problem in one sentence, very simple. Why I think this makes sense for Vanguard? Salim Ramji, the CEO of Vanguard, has been saying since he arrived from BlackRock two years ago that only one in five Americans work with a fee-based financial advisor and that quality advice shouldn’t be a luxury good and this shortage is only going to get worse as advisors retire. (07:00): This is really him putting his money where his mouth is and really trying to make financial advice, human directed financial advice more accessible to everyday Americans and the upper echelons of wealth in this country. Vanguard as a company has over 50 million reported investors and over 12 trillion in assets. A lot of these people want Vanguard advice, but Vanguard hasn’t had the manpower or the capacity to deliver it itself. Buying Altruist over time can certainly solve that capacity gap and make it so that a human-based financial advisor or any of Vanguard’s internal platforms now have a greater ability to provide advice to Americans looking for financial advisors in the United States. I think this also means more distribution capability for Vanguard funds. Not that Vanguard has ever had a problem with distribution. They have a relatively small wholesaling force compared to other firms, but given their cost and reputation and performance, they’re really on pretty much every platform. (08:04): Most advisors have some clients that are invested into Vanguard mutual funds or ETFs, but this I think just gives them a greater ability to distribute Vanguard products, probably in a similar way to Goldman’s approach. When Goldman entered US RIA custody, in large part, they were doing it for distribution of different things. For Goldman, it was private markets and lending and other types of products. Vanguard is more ETFs and mutual funds, but Vanguard has also been pushing more into the private market space, so I can definitely see a world in which they can ratchet up the distribution of their products in a fairly cost-efficient way. I think to me, the most interesting thing about this marriage is the mission overlap is quite real. When Vanguard started, and to this day, their goal was to provide quality investment products at a fraction of the cost of the incumbents so that investing can be accessible to everyday Americans. (08:59): That’s exactly the verbiage that Jason Wenk and Altruist has used from the beginning, where they want to become a all-in-one hub or tech-enabled custodian so that an advisor, regardless of their size and a client regardless of their AUM, have the ability to get quality advice. I recently listened to a podcast called Acquired. We’ll link it in the show notes, but it’s a three-hour in-depth look into the building of Vanguard. And if you combine that with the podcast episode that I recorded with Jason Wenk, the CEO of Altruist, if you play them side by side, the parallels are eerily similar. So we’ll link both into the show notes, but I really think both of these firms were cut from the same cloth and really from the beginning, both have gone against the grain and tried to rattle incumbent players in the industry. So at least on paper, seems like a very good match. (09:51): Why does this deal make sense for Altruist? For one, for Jason Wenk and his leadership team, this has to be the outcome you drew up, maybe even better. Founding a new custodian in 2018, selling it in 2026, eight years later for over $4 billion, that’s a pretty incredible return on time for this team. They deserve it all and built something special and really entered into a space where no one wanted to venture just given the market share of the major incumbents, but good for them and has to feel good to pull off this type of sale. I think the big thing too is the buyer is the story. Vanguard as a company, it’s investor owned. They’re not private equity owned. They’re not VC backed like Altruist was. So Altruist can get off of the fundraising treadmill. They don’t have to worry about fund life or a five-year hold period or an eventual sale to a strategic. (10:42): Now they can really just focus on the business at hand, having one of the most well-capitalized companies in the world as their capital backer and owner. And every advisor on a PE-backed platform knows the question hanging over every relationship, who owns this next? That’s a question they won’t have to answer anymore at all, and they can really just focus now going forward. I think this also gives Altruist a fortress balance sheet and a ton of capital to keep pushing and developing their Hazel AI platform, which was launched in September 2025. Hazel’s an AI tax planning tool, kind of AI superpower that really has taken the industry by storm and has started to be sold as a standalone product to RIAs. And from what I’ve seen, they’ve sold it to over 1600 new RIAs just in the first month alone for $60 a seat per month, and that’s available to folks if they custody at Altruist or not. (11:36): So this, I think, just gives them an ability to distribute their fintech solutions and certainly develop their custody platform in a way that maybe was challenging or not as possible before. They can also take a longer term view instead of having to worry about they raised a series F, whatever comes after F and an eventual sale, investors wanting to get a return on capital, they can now focus on building over the long term, which has been Vanguard’s strategy all along. I think too, this will give Altruist the ability to invest in new capabilities that they didn’t have before, whether it’s lending or whether it’s more on the product side. It takes a lot to be a custodian. It seems like a relatively straightforward business just holding assets, but there’s a lot of products, solutions, really requirements that everyday investors and RIA clients have, and I think this will just ratchet up Altruist’s ability to close some of the capability gaps that they’ve had since they launched and they’re very transparent about those. (12:33): What I’m most excited about this, just coming from my vantage point in the industry, is why should an advisor care? To me, there’s five things that advisors should really take notice of with this acquisition. First one’s competition. Every time a well-capitalized player shows up, especially in custody, advisors win. Schwab and Fidelity have fought Vanguard in the asset management space for decades, and more recently in financial advice. Now you’re adding custody against a firm that doesn’t need to be profitable the next quarter, and all of a sudden we very much have an arms race and some competition is good for pricing, for service, for innovation, and I think this is going to be only positives for clients across the country, having another competitive option and keeping the incumbents really on their toes. Another reason, the breakaway shortlist has changed. Objection I always heard about Altruist was, “The tech is great, the AI seems cool, but how do I explain the name Altruist to a 68-year-old client who’s leaving Merrill or UBS or Morgan Stanley?” (13:42): While someone may still get some objections because Vanguard may not have the same brand cache as Goldman Sachs or UBS Private Wealth or Merrill Private Wealth, that objection got a lot weaker today. Really, it’s tech-forward independence now without a brand trade-off. It’s a genuinely different offer in the market than it was before. Third, I think this is one that hasn’t been talked about much, but should be watched closely, potential for referrals. Schwab confirmed last week that it was taking the SAN or the Schwab Advisor Network client referral minimum from two million to five million. For anyone not aware, referrals from the retail branches of Schwab and Fidelity are one of the major organic growth funnels for many of the top RIAs in this country and have driven valuations to billions and billions of dollars for firms that are in this program. (14:36): I really do see this as being a potential new massive referral opportunity of Vanguard existing clients and customers to Altruist custody to RIAs at a time when Schwab is trying to keep more of those referrals from themselves, which is a very savvy strategy, but at the same time, probably creates a bit of an opening for Altruist and Vanguard to become a really good referral hub for clients, which is a major draw for signing up new RIAs as clients, for breakaway advisors, et cetera. (15:07): So more details need to come there. We don’t even know if they’re starting a referral channel, but I have to imagine that’s high in the punch list and will be a very compelling offering in the marketplace. Yeah, think about it. Vanguard is 50 million investors and a CEO who said multiple times that they don’t have enough advisors or humans to deliver this advice. So perfect. You now have a massive array of RIAs and more and more coming to the table who offer that advice and being able to still serve them, still keep the assets in-house, but do it in a way where Vanguard doesn’t have to scale up their advisor force. They now have advisors to refer to. Fourth is pricing. I think the Vanguard effect is going to be real here. When Vanguard started, and even to this day, they’ve been the one who’ve pushed down the expense ratio on mutual funds and ETFs. (15:56): It’s been a massive benefit to investors across this country. It’s been Altruist’s playbook all along too, more focused on the advisor, so offering amazing tech and a custody platform for virtually no cost to an advisor. So I would say whatever you’re paying for technology, for custody, and really anything else that Altruist and Vanguard might touch, I would expect it to go down potentially and just have more pressures on the incumbent firms to really sharpen their pencil or to get more creative on pricing and innovation. I think that the fifth thing to keep in mind is Schwab has long used its scale and positioning in the market to best competitors, whether it was going to $0 on tickets for equities and ETFs, et cetera, a number of years ago or a number of other strategies they’ve taken. Now you have a firm that has similar scale as Schwab, a reputation for playing the long game and being comfortable making less money in the process. (16:54): So again, massive benefit to the advisors to have another major player driving down costs and increasing innovation in the space. But this is not all positives. As with anything, there’s the good and the bad, and also some open questions. The biggest, I think, downside or potential thing to watch here, and certainly if you are a BDO at a custodian, this is the line you’re using, “Vanguard has its own advice business, personal advisor, digital advisor, and a CEO who stated that his goal is that an advisor is in every investor’s pocket.” So now you have the custodian that’s holding your client’s assets also running one of the largest advice operations in the country. We’ve heard this concern in the past about Schwab or Fidelity where you have RA custody and then these firms have massive retail distribution networks. So certainly Vanguard, I think, will be in the same lane. (17:46): And if you look at a Pershing or an LPL or Raymond James, it’s a little bit different because they don’t have their own channels in the same way that Schwab or Fidelity do. So certainly if you’re BNY Mellon in particular, which is a straight B2B custodian, this is a clear point of differentiation for Vanguard, Altruist and certainly versus the other custodians. Next one is Vanguard has said that Altruist will remain a standalone business. The brand will stay intact, the management team, et cetera. But in fairness, every acquirer says versions of the same thing. The real test is let’s wait two years, three years and see how converging roles or similar roles across the firm start to converge into one, and over time will they more Altruist brand and human capital into one structure. (18:36): Right now we don’t know, but I’m always a bit skeptical with acquisitions that you have the honeymoon period, takes time for the deals to close, and then what happens a couple of years down the line? Either as there’s new executives in charge, there’s turnover, or just there’s certain synergies that can be had, and the best way to do it is by combining operations and the like. (18:56): The next risk, I think it might sound a little bit mundane, but it’s culture and speed. Vanguard based in Valley Forge, Pennsylvania, Altruist in LA, very different cultures. Altruist as a fintech company has been superfast to market, building, breaking things, innovating. And Vanguard, I think they’ve been extremely innovative on pricing, on product development, but I’ve never heard amazing reviews about Vanguard’s technology. So does this convergence of cultures create an issue? Does it create more bureaucracy for Altruist trying to build stuff? Is there a cultural mismatch when it comes to speed of market and innovation? And I think the last thing to keep in mind or to watch is the talent drainage at Altruist post-closing. Yes, I was a FinTech company and custodian offering equity, lots of upside for people that have taken this journey with them. Vanguard notoriously is the opposite. They don’t offer equity to anyone and they offer their employees high base salaries and you have a culture of longevity within the firm. (20:00): So after the lockup period is done for, or the earn out period is done for any Altruist equity owners and many of their employees, does that cause some talent drainage where folks want to go onto the next big thing, think what will happen to all the amazing SpaceX employees a year from now when their IPO lockups are done? Does that lead them to another opportunity? All these are questions I don’t know, but trying to play devil’s advocate. I think the biggest potential negative is just the Vanguard advice business as a competitor, a conflict to RIA custody. Let me give you a couple of predictions before we wrap here. I think Schwab and Fidelity will respond fast, whether it’s on the AI front or because the pressure is really on. I don’t know, maybe the $5 million referral minimum that Schwab just announced, maybe that sunsets after a period of time. I have no idea. (20:53): I’m also excited to see, we’ll call it the tech face off between Altruist and Robinhood. Robinhood acquired TradePMR, which is on the Wells Fargo First Clearing platform and is in the process of launching an RIA custodian themselves. So now you have, I think, two pretty incredible tech-forward custodians really trying to gain market share, so that will be fun to watch. Could there be a threat in the RIA platform space? So RIA platforms meaning RIAs, we call them supportive versions of independence, where advisors can plug into, they get technology, compliance, operations, et cetera, and still own their business. Given the end-to-end tech stack that Altruist boasts, and they’ve also been in development of their own corporate RIA, does that become that much more of a competitive feature that could possibly become a solution in and of itself that takes a dent out of these RIA platforms playbook? (21:45): I don’t know, but I think it’s possible. Altruist Hazel AI, does that push even well beyond custody? There’s a ton of AI and fintechs popping up around the industry. Hazel has certainly taken a lot of headlines and attention. With Vanguard behind it now, does that push the price lower? Does it help their distribution? Maybe you picture this, if you have a Vanguard-owned product sitting in the daily workflow of a competitor’s advisors, so let’s say you’re a Morgan Stanley, you’re a Schwab advisor, et cetera, do you now have a Vanguard-owned product in Hazel as part of your workflow or your fintech stack? Could be interesting. I will call a referral channel for Vanguard or Altruist, we’ll say within the next year or two. I think it would be crazy if that didn’t happen and that will be a massive disruptor. And finally, my prediction is more breakaways landing in Altruist. They’ve started to crack that door, but now with the powerful brand and reputation behind them, the sky’s probably the limit. (22:44): So in closing, a guy, Jason Wenk, started a company in 2018 in Los Angeles because he thought independent advisors deserve better software at a lower price. Eight years later, one of the most respected financial institutions in the world paid $4 billion for it, and the reason is he was right in that bet. There are always innovators showing up from outside the establishment, and every time one succeeds, advisors end up with more options and more leverage and more negotiating power than they had the year before. It’s a consistent theme across the industry. So nothing changes tomorrow, deals take time, deals have a way of falling apart, but if you’re evaluating custodians, thinking about independence for the first time, wondering whether your current partner is going to keep earning your business, today is a good day to reopen that question. And if you’re an advisor, I think cheer this on and be excited. (23:42): And as a industry participant, I am very excited to see how this deal takes hold and how this pushes the rest of the industry to innovate and continue to be better. So that’s it for today. Thank you for hearing my ramblings, and I’ll see you next time. Mindy Diamond (24:02): As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients, but are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay Or Should I Go? Is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook.  

Written while the Constitutional Convention was taking place in 1787, the Northwest Ordinance was adopted fully by the new government, despite being a production of the Articles of Confederation. It also laid the foundation for many of the Founders' priorities and aspirations in terms of governance, land usage, economics, and slavery. How would the new, […]

Written while the Constitutional Convention was taking place in 1787, the Northwest Ordinance was adopted fully by the new government, despite being a production of the Articles of Confederation. It also laid the foundation for many of the Founders' priorities and aspirations in terms of governance, land usage, economics, and slavery. How would the new, expanding America look, and what would it be like? The Northwest Ordinance is an essential enabler for the America that came on the heals of the Revolution.Jeff is joined by historian Peter Onuf to discuss this essential, yet largely overlooked, document.Read the document: https://teachingamericanhistory.org/document/the-northwest-ordinance/Host: Jeff SikkengaExecutive Producer: Jeremy GyptonSubscribe: https://linktr.ee/theamericanideaHomepage: https://ashbrook.org/the-american-idea-podcast/Thank you for being part of The American Idea community.Follow on Twitter https://x.com/amideapodcastFollow on Facebook https://www.facebook.com/ashbrookcenter/

Where do the locals like to spend their time off? Discover the hidden Australian attractions recommended by the locals! - メジャーな観光地ではないかも…でもローカルが胸を張ってお勧めする、オーストラリアな魅力が詰まったスポットをご紹介します！Listen to SBS Japanese Audio on Tue, Thu and Fri from 1pm on SBS 3.Replays from 10pm on Tue, Thu and Sat on SBS1. Listen to past stories from our podcast. Download the free SBS Audio App and don't forget to visit SBS Japanese Facebook and Instagram page! - SBSの日本語放送は火木金の午後１時からSBS3で生放送！火木土の夜10時からはおやすみ前にSBS1で再放送が聞けます。SBS日本語放送ポッドキャストから過去のストーリーを聞くこともできます。無料でダウンロードできるSBS Audio Appもどうぞ。SBS 日本語放送のFacebookとInstagramもお忘れなく。

In this episode, you'll listen to an easy French adaptation of La Cigale et la Fourmi, one of Jean de La Fontaine's best-known fables.

"We are so well positioned to have it continue and flourish because we have become a Perpetual Purpose Trust, which means this place is no longer owned by one person or any financial interest—it is owned by purpose." —Michael Stusser "We're always trying to figure out how we keep moving the property forward in a way that's sustainable, and also how it's going to impact our guests, our business, our staff." —Heather Bishop  A perpetual purpose trust sounds like a legal footnote until you meet the two people who actually built one. This episode traces how Osmosis Day Spa Sanctuary in Sonoma County became the first U.S. spa to place itself inside that structure — permanently removing any future owner's ability to chase profit over mission.  Justine first sits down with founder Michael Stusser, who traces the idea back to a single afternoon in an 800-year-old Kyoto stone garden, and then with CEO Heather Bishop, who inherited the vision and had to figure out how to make it legally unbreakable. This one's for anyone who's tired of the word "sustainable" doing all the talking and none of the work. Michael and Heather don't just describe the enzyme bath, the meditation gardens, or the gray water system — they explain the budgeting, the permits, and the trade-offs behind each one. It's a conversation about what it actually costs, in time and humility, to build something that outlasts you. The enzyme bath's heat comes entirely from billions of thermophilic bacteria fermenting Douglas fir and rice bran — not from any external heat source. Osmosis's perpetual purpose trust means the business has no human shareholder; its "shareholder" is the mission itself, enforced by a trust committee and an independent trust enforcer. The five-and-a-half-acre property couldn't legally go into the same trust as the business, so it's being paid off and moved into a separate land trust over the next three to five years. A gray water system currently covers roughly 50–60% of the property's irrigation needs, with a rainwater catchment system planned to close the gap entirely. Osmosis sources its enzyme bath wood shavings as a byproduct from local lumber operations that would otherwise throw them away. Trust-based decision-making already changed real policy — Heather cites expanding paid time off to all staff, including part-time employees, as a direct result of the trust's staff-benefit objectives. Listen to the full conversation with Michael Stusser and Heather Bishop, and follow Essential Ingredients so you don't miss what's next. https://tinyurl.com/Essential-Ingredients-Podcast  Meet Michael:   Michael Stusser, founder of Osmosis Day Spa Sanctuary, is a pioneer in ecological sustainability, organic gardening, and holistic wellness. Beginning his journey at UC Santa Cruz in the late 1960s, he helped establish horticultural training centers and later served on the board of the Farallones Institute in Sonoma County.  In the early 1980s, Michael apprenticed in traditional landscape gardening in Kyoto, Japan, where he immersed himself in Zen meditation and discovered the healing power of cedar enzyme baths. Returning to California in 1984, he introduced this unique practice, gaining national recognition in outlets like The New York Times and CNN. By 1988, he transformed five acres in Freestone into Osmosis, blending inspired landscaping, meditation traditions, and eco‑restoration to create a sanctuary rooted in sustainability, spirituality, and rejuvenation.  LinkedIn Meet Heather:  Heather Bishop is the CEO of Osmosis Day Spa Sanctuary, where she leads one of Northern California's most distinctive hospitality businesses with a focus on people‑centered leadership and operational excellence. Over the past decade, she has guided Osmosis through transformative organizational change, overseeing operations, finance, HR, strategic planning, and guest experience for a team of 80+.  Heather recently spearheaded the company's transition into a Purpose Trust‑owned business—one of the few in the United States—ensuring long‑term mission preservation while modernizing governance, HR systems, and employee benefits. With expertise in executive leadership, organizational development, change management, and hospitality operations, Heather is dedicated to building resilient, purpose‑driven organizations where employees thrive and guests enjoy exceptional experiences.  LinkedIn Connect with Osmosis:  Website Instagram Facebook  X YouTube Pinterest Connect with NextGen Purpose: Website Facebook Instagram LinkedIn YouTube Podcast Chapters: 01:48 Meet Michael Stusser: The Kyoto Garden That Started It All 03:11 What Is an Enzyme Bath, Really? 09:51 Osmosis Becomes a Perpetual Purpose Trust 13:03 Self-Love, Deep Peace: Osmosis's Core Mission 16:38 Meet Heather Bishop: Massage Therapist to CEO 19:40 Stewarding Salmon Creek and the Meditation Gardens 27:17 Inside the Cedar Enzyme Bath's Sustainable Sourcing 30:28 Perpetual Purpose Trust, Explained in Plain Terms 36:03 Why the Land Stayed Out of the Trust 39:30 What Sustainability Actually Costs  THE PRIMES  ✨ You're more capable than you have ever been, and somehow more invisible than ever. You keep handing out advice you do not take yourself. You keep saying 'after this next thing' to your own life, and the people around you have no idea because, from the outside, everything looks fine— that is exactly what The Primes was built for.

Today, with Mitch Horowitz, we dive into the occult origins of America and the hidden influence of secret societies throughout history. From the alchemical pursuits of Isaac Newton and Abraham Lincoln's White House seances to the psychic phenomenon of telepathy and the multiverse of quantum computing, we explore how ancient traditions and ritual magic continue to shape our modern world. Welcome to Camp!

What if you stopped building your life around who you think you should be and started building around who you actually are?In this Weekly Invitation, Jessica welcomes Virgo season with a conversation about embodiment, perfectionism, intuition, self-trust, and honoring your individual blueprint.After Gemini invited us to tell the story, Cancer to create safety, and Leo to have the courage to be ourselves, Virgo asks us to tend to that self.Jessica shares how she's learning to build her work around the way she naturally creates, processes, rests, and receives rather than forcing herself into someone else's model of consistency.And in true Virgo fashion, we're talking about perfectionism too.After delaying recordings because of loud construction outside her window, Jessica realized the practice was to record anyway. If you hear some background noise, breathe. Life is happening here too.Because embodiment isn't waiting for perfect conditions before we begin.This week's invitation:What would change if you built around who you actually are?And rather than looking outside yourself for the answer, practice asking:What do I need today?Then see what happens when you honor it.In This Episode​Virgo season + embodiment​Perfectionism and letting things be imperfect​Intuition and self-trust​Honoring your individual blueprint​Astrology + Human Design as tools for awareness​Rest and nervous system awareness​Creating around your natural rhythms​Honoring your emotional needs Intuitive Living: The Foundations of Rooted & Rising Coming soon.A timeless audio experience intentionally created to be revisited again and again.Safety Within — Come back to your body.Remember Who You Are — Come back to yourself.The Body Knows — Trust what you know.This isn't something I created for you to finish.I created it for you to return to.Founding access: $44Standard investment: $88JOIN THE WAITLISTExplore + Work With JessicaBOOK A 1:1 SESSIONINSTAGRAM: @peoplecallmejessWEBSITEIf this episode resonated, follow Jessica Meils the Podcast, leave a rating or review, and share it with someone who may need this conversation.About Jessica MeilsJessica Meils is a Spiritual Medium, Intuitive Healer, Shamanic Practitioner, and Womb Healing Guide.Through intuition, intuitive living, mediumship, intuitive healing, shamanic practices, womb healing, ancestral healing, energy healing, nervous system regulation, somatic embodiment, intuitive astrology, and spiritual and psychic development, Jessica helps people strengthen self-trust, reconnect with their inner wisdom, and remember who they are.Her work bridges spirituality with grounded embodiment through one-to-one sessions, immersive experiences, and Jessica Meils the Podcast.Keywords: intuition, intuitive healing, self-trust, intuitive astrology, spiritual medium, mediumship, shamanic practitioner, womb healing, ancestral healing, spiritual and psychic development, nervous system regulation, somatic embodiment, Virgo season, astrology, Human Design, perfectionism, intuitive living.

Sermon Outline: "Redeemed with a Purpose, Released with a Mission" Preacher: Pastor Rhonda Davis I. From Saved to Sent The Foundation: Recapping last week's message, believers must stand firm on the reality that they are chosen, accepted, redeemed, and adopted. Beyond the Waiting Room: The church was never designed to be a waiting room where saved people sit around until heaven comes; it is a sending station where redeemed people are equipped and released into a broken world. Inserting Your Name into the Great Commission: Drawing from John 1:7, Pastor Rhonda emphasized that every believer's name belongs in the blank: "There was a man/woman sent by God, and his/her name was [Your Name]." II. The "Anywhere But Here" Principle Overcoming Resistance: When called to serve, our natural reaction is often to ask God to send us "anywhere but here." The Founding of Church of the Harvest: Pastor Rhonda shared her personal story of resisting starting a church in Cleveland, TN, hoping for opportunities in Phoenix or Yakima instead. While kneeling in the dirt on Atkinson Drive, God gave her a vision of Jesus reaching into the four corners of the earth to pull in the hurting and asked her: "Why are you resisting Me?" Highest Calling: What begins as an "anywhere but here" moment often becomes the very place where God's presence is most powerfully revealed. III. Carrying the Message of Redemption My House Is Full, But My Field Is Empty: Pastor Rhonda shared a memory of her mother singing a classic song about God's heart weeping because His children gather around the table while the harvest fields lay ripe and ungathered. The Ministry of Reconciliation: According to 2 Corinthians 5:18, God has trusted believers with the message of redemption. We do not carry condemnation into the world; we carry forgiveness, grace, and hope. Shifting from Blame to Opportunity (John 9): In the story of the man born blind, the disciples wanted to debate who was to blame ("Who sinned, this man or his parents?"). Jesus rejected the blame game and focused on the opportunity to demonstrate God's works. Religion shames people for having dirty feet; Jesus kneels down to wash them. IV. Using Base Materials for Miracles Spit and Mud into Miracles: Jesus took dirt and spit—the lowest material—to heal the blind man and sent him to the Pool of Siloam (which means "Sent"). God Doesn't Need Better Material: Believers often wish they were smarter, more talented, or more gifted. However, God takes basic "dirt" (2 Corinthians 4:7) and fills it with His Holy Spirit so that the glory belongs entirely to Him. The History of Queen for a Day & The Esther Project: Starting small and using what was available led to growing out of facilities on Atkinson Drive by 2012. In 2014, while Queen for a Day was on hold, God birthed The Esther Project at Women of Hope, where hundreds of women were crowned and reminded that their names are written in the Lamb's Book of Life. In 2015, following a prophetic dream involving an emblem of the Lion and the Lamb, Queen for a Day was moved to Omega Center International (OCI), expanding its reach to hundreds of women annually. V. Carrying an Atmosphere & Transforming Pain Atmosphere Changers: Fear, division, and hopelessness carry dark atmospheres, but the presence of God inside a believer carries a light that shifts any room. You do not have to absorb the atmosphere of a room; you are sent to transform it. Created for Good Works (Ephesians 2:10): Purpose is pre-ordained by God. There are people only your specific story and personality can reach. Pain as Your Pulpit: Your greatest trials, struggles, and wilderness seasons become the very platform through which you minister compassion and hope to others. Nothing is wasted in God's economy (Romans 8:28). VI. The Unstoppable Cry of Purpose The Supernatural Realm: Purpose cries out before the throne of God long before a physical outcome is seen. Moses: When placed in a basket on the Nile, the cry of his purpose ensured he survived to lead millions out of Egypt. Mary Magdalene: Her purpose delivered her from seven demons to become the first witness to announce the Resurrection. Peter: After denying Christ, the cry of his purpose sustained him to preach the sermon at Pentecost where thousands were saved. Jesus in Gethsemane: Facing the cross, the eternal purpose of redemption carried Him through to secure salvation for all humanity. Scripture Index John 20:21 > "Then said Jesus to them again, Peace be unto you: as my Father hath sent me, even so send I you." Romans 10:14-15 > "How then shall they call on him in whom they have not believed? and how shall they believe in him of whom they have not heard? and how shall they hear without a preacher? And how shall they preach, except they be sent? as it is written, How beautiful are the feet of them that preach the gospel of peace..." John 1:6-7 > "There was a man sent from God, whose name was John. The same came for a witness, to bear witness of the Light, that all men through him might believe." Matthew 9:37-38 > "Then saith he unto his disciples, The harvest truly is plenteous, but the labourers are few; Pray ye therefore the Lord of the harvest, that he will send forth labourers into his harvest." 2 Corinthians 5:18 > "And all things are of God, who hath reconciled us to himself by Jesus Christ, and hath given to us the ministry of reconciliation..." John 9:3-5, 7 > "Jesus answered, Neither hath this man sinned, nor his parents: but that the works of God should be made manifest in him. I must work the works of him that sent me, while it is day: the night cometh, when no man can work... And said unto him, Go, wash in the pool of Siloam, (which is by interpretation, Sent.)" 2 Corinthians 4:7 > "But we have this treasure in earthen vessels, that the excellency of the power may be of God, and not of us." Ephesians 2:10 > "For we are his workmanship, created in Christ Jesus unto good works, which God hath before ordained that we should walk in them."   Romans 8:28 > "And we know that all things work together for good to them that love God, to them who are the called according to his purpose."   Exodus 2:2-3 (Referenced) – The birth of Moses and his placement in the basket on the Nile River. Luke 8:2 / John 20:18 (Referenced) – Mary Magdalene delivered from seven demons and witnessing the risen Lord. Acts 2:14-17 (Referenced) – Peter standing at Pentecost declaring the fulfillment of Joel's prophecy. "Thanks for listening! For more information, visit churchoftheharvest.com. Don't forget to follow us on Facebook and YouTube @cothcleveland.

How far can states go in regulating conduct that has effects outside their borders?At the Founding, the states entered a constitutional union in part because the Articles of Confederation proved incapable of managing interstate conflicts and preventing individual states from imposing burdens on their neighbors. At the same time, many of the Framers grew concerned that unchecked state legislatures, driven by local interests and factional pressures, threatened both individual rights and the stability of the Union. The Constitution created a framework designed to preserve both state sovereignty and a functioning union. Today, some commentators argue that climate litigation presents a modern version of those same concerns.In a case currently pending before the Supreme Court, Suncor Energy v. Boulder County, Colorado local governments are seeking massive financial damages under state tort law for global climate-related harms.Supporters of the energy companies contend that climate regulation is an inherently national and international issue, and therefore cannot be governed through a patchwork of state tort regimes or localized litigation. On the other side, the local governments argue that these suits involve traditional exercises of state police power–including nuisance, fraud, and consumer-protection law. While proponents frame these suits as localized consumer-protection disputes, critics argue they represent a dangerous breakdown of our constitutional architecture.Notably, many of the amicus briefs filed in Suncor frame the dispute not merely as a question of statutory preemption, but as a broader debate over the structural Constitution itself—including the proper allocation of authority among Congress, courts, and the states. Is this case an example of the Constitution imposing structural limits to prevent individual states from effectively regulating the nation through litigation? Or does it embody the principle that states retain broad sovereign authority absent clear federal displacement? And what does the structural Constitution require of Congress, courts, and the states in resolving those conflicts?More broadly, what are the constitutional limits on states regulations that impact activities outside their borders and what is the source for those limits? Three years ago, the Supreme Court made clear in National Pork Producers Council v. Ross that such restrictions are not found in the Dormant Commerce Clause doctrine. Does the structural Constitution answer that question, or is the answer found in one or more particular provisions of the Constitution?Join us for a discussion examining these questions.Featuring:Prof. Michael Greve, Professor of Law, Antonin Scalia Law School, George Mason UniversityProf. Daniel Rodriguez, Harold Washington Professor of Law, Northwestern University Pritzker School of LawO.H. Skinner, Executive Director, Alliance For ConsumersMichael Williams, Solicitor General, West Virginia(Moderator) Hon. Jennifer Perkins, Judge, Arizona Court of Appeals, Division One

On the podcast: hitting $10M ARR without ever testing a paywall, paying their own customers to help make video ads, and why you might want to turn away some potential customers.Top Takeaways:

Conspiracy theories can feel like a uniquely modern phenomenon. QAnon. Pizzagate. The "Big Lie." The Epstein Files. False claims about vaccines, medicines, elections, and political opponents. But what if conspiracy theories aren't a new disease infecting American politics? What if they've been part of the American political tradition from the very beginning? In his new book, Conspirator in Chief: The Long Tradition of Conspiracy Theories in the American Presidency, political historian Stephen F. Knott argues that some of the most powerful people in American history have not merely responded to conspiracy theories—they have helped create, amplify, and weaponize them. From the Founding era through the modern presidency, Knott examines presidents and political leaders who portrayed their opponents as members of secret plots, shadowy cabals, or existential threats to the nation. And that raises some uncomfortable questions. Why are presidents so susceptible to conspiratorial thinking? When does legitimate political suspicion become conspiracy theory? Why do conspiracy theories become so politically powerful? And what happens to democracy when the person occupying the Oval Office becomes, as Knott puts it, "Conspirator in Chief"? Today, Stephen Knott joins us to explore the long, strange, and sometimes disturbing history of conspiracy theories in the American presidency.

On this episode of Chit Chat Stocks, we dive into another Ryan Research episode covering Costar Group (Ticker: CSGP). We discuss: (00:00) Introduction (02:11) Founding of CoStar and Andy Florence's background (12:32) Industry landscape and CoStar's monopoly in commercial real estate data (19:37) Revenue growth, pricing power, and diversification (22:29) Major acquisitions: Loopnet, Apartments.com, and Homes.com (33:28) Competitive advantages and moat of CoStar (41:41) Comparison with Zillow and industry moat (49:25) Marketing spend, growth, and recent challenges (55:13) Valuation, activist involvement, and future outlook ***************************************************** Subscribe to our newsletter, Emerging Moats: emergingmoats.com  ********************************************************************* Chit Chat Stocks is presented by Interactive Brokers. Get professional pricing, global access, and premier technology with the best brokerage for investors today:  https://www.interactivebrokers.com/  Interactive Brokers is a member of SIPC.  ********************************************************************* Fiscal.ai is building the future of financial data. With custom charts, AI-generated research reports, and endless analytical tools, you can get up to speed on any stock around the globe. All for a reasonable price.  Use our LINK and get 15% off any premium plan: ⁠https://fiscal.ai/chitchat  ********************************************************************* Disclosure: Chit Chat Stocks hosts and guests are not financial advisors, and nothing they say on this show is formal advice or a recommendation. Learn more about your ad choices. Visit megaphone.fm/adchoices

"It [cardiovascular disease]  becomes an issue in middle age because that's when they start looking, not because that's when it starts." —Dr. Daniel Chong Heart disease and midlife are more connected than most people — or their doctors — realize, and this episode of Essential Ingredients pulls that connection into the open. Justine Reichman sits down with naturopathic physician Dr. Daniel Chong and returning co-host Dr. Lisa Brent to unpack why cardiovascular risk quietly rises for both men and women in midlife, and why so few people are told to watch for it until it's already underway. This conversation is for anyone in perimenopause, menopause, or andropause who's been handed a cholesterol number without context, or who's simply never been told when to start paying attention. Dr. Chong breaks down lipid testing, arterial plaque, nitric oxide, and even the surprising role your dentist plays in your heart health — all in plain, usable language. By the end, you'll understand that cardiovascular disease isn't a midlife event — it's a decades-long process that just happens to get noticed in midlife, and that the actions you take starting this week can change its trajectory. Key Takeaways: Plaque development in the arteries can begin in childhood or even before birth, so family history matters far more than age when deciding when to start testing. A single elevated LDL reading isn't enough to justify a statin prescription — triglyceride-to-HDL ratios and more detailed testing give a fuller picture. Gum disease and harsh antibacterial mouthwash can disrupt oral bacteria needed to produce nitric oxide, which directly affects artery health. Dark leafy greens, berries, garlic, and onions support nitric oxide production and should be eaten daily, regardless of what else is on the plate. Movement spread throughout the day — not just a single workout — meaningfully lowers cardiovascular risk on its own. Around age 35–40 is a reasonable starting point for a fasting lipid panel if there's no strong family history pushing that number younger. Listen to the full episode for the complete breakdown of lab testing, imaging, and diet strategy Dr. Chong uses with his patients:  https://tinyurl.com/Essential-Ingredients-Podcast  Meet Daniel:  An expert in cardiovascular health, Dr. Daniel Chong is a licensed naturopathic physician with over two decades of experience. He earned his doctorate from the National University of Natural Medicine in 2000. Dr. Chong specializes in preventing and reversing cardiovascular disease using drug-free strategies, defining himself as a "nutritional angiologist." He holds advanced certifications in cardiometabolic medicine and the Bale-Doneen Method for heart attack prevention. Dr. Chong helps patients optimize arterial health through advanced risk assessment, lifestyle medicine, and nutrition at his Vital Human telehealth practice and Portland clinic.  Website Facebook  LinkedIn Instagram Meet Lisa:  Dr. Lisa Brent is a licensed naturopathic doctor and acupuncturist specializing in women's health. With a commitment to holistic and patient-centered care, she integrates primary care training with expertise in lifestyle medicine, nutrition, bioidentical hormone therapy, and gut health. Dr. Brent is dedicated to empowering her patients through education, individualized wellness strategies, and compassionate support. She is the founder of Be Well Natural Medicine, hosts educational events such as the Women's Health Symposium, and provides care both in-person and via telehealth. Website Instagram Facebook Connect with NextGen Purpose: Website Facebook Instagram LinkedIn YouTube Podcast Chapters: 00:32 The #1 Cause of Death for Women Nobody Talks About 02:14 Meet Dr. Daniel Chong: Cardiovascular Expert 04:17 Why Heart Disease Risk Rises in Midlife 06:02 When Should You Start Checking Your Cholesterol? 09:02 How Long Elevated Lipids Matter More Than the Number 11:44 The Hormone Mistake Most People Make 17:21 What to Actually Ask Your Doctor 18:42 Why One Lipid Panel Isn't Enough for a Diagnosis 24:05 The Surprising Link Between Dental Health and Heart Disease 28:37 The Diet Pattern That Actually Protects Your Heart 37:17 One Change to Make This Week   THE PRIMES  ✨ You're more capable than you have ever been, and somehow more invisible than ever. You keep handing out advice you do not take yourself. You keep saying 'after this next thing' to your own life, and the people around you have no idea because, from the outside, everything looks fine— that is exactly what The Primes was built for.

Grace Belangia didn't build her startup ecosystem in Silicon Valley. She built it in Augusta, Georgia, a city with medical, military, and energy communities but no established tech community. On Getting Rich Together, host Syama Bunten talks with the cofounder and executive board member of Make Startups about her path from writing angel checks on her own to becoming an LP in a VC fund. Grace traces her money instincts back to her mother, an immigrant who taught her that saving and investing are two different things. That lesson followed her into a research role at a private equity firm in her twenties, where she saw firsthand how the investment world worked and started learning how capital actually moves. She talks through how she learned to angel invest through Pipeline Angels, what it took to learn the space through a six-month investing cohort, and why she eventually expanded from direct angel investing into funds run by managers she trusts. She also explains economic mobility through entrepreneurship and the philosophy she calls reserve and deploy. If angel investing for women feels out of reach, or you're curious about what it takes to become an LP in a venture capital fund, this conversation lays out the real path Grace took. Press play, then find a salon near you or grab a seat at the Wealth Catalyst Summit in San Francisco on October 16 at wealthcatalyst.com.   Episode Breakdown: 00:00 Grace Belangia's Childhood in LA and Palo Alto 05:12 High School Years and Early Community Building 07:43 College, Political Science, and Career Uncertainty 10:49 Learning Finance Inside a Private Equity Research Desk 14:44 Marriage, the Navy, and the Move to Georgia 20:10 Founding a Startup Ecosystem in Augusta 23:07 Learning to Angel Invest Through Pipeline Angels 29:20 How Grace Became an LP in a VC Fund 33:39 Reserve and Deploy, Grace's Investing Philosophy 38:04 Economic Mobility, Legacy, and Building the Bridge   Find more from Syama Bunten: Your money story may be shaping your financial life more than you realize. After hundreds of conversations with women at all stages of their financial lives, Syama distilled the questions that helped her understand her own patterns into The Money Story Reset, a free guide featuring five guided reflections and personal stories from her journey. Download The Money Story Reset and begin uncovering the beliefs behind your financial decisions.   Attend a Salon near you: wealthcatalyst.com/salons Instagram: https://www.instagram.com/syama.co/ Join Syama's Substack: https://thewealthcatalystwithsyama.substack.com/ Website: https://wealthcatalyst.com Download Syama's Free Resources: https://wealthcatalyst.com/resources Wealth Catalyst Summit: https://wealthcatalyst.com/summits Speaking: https://syamabunten.com Big Delta Capital: www.bigdeltacapital.com Podcast production and show notes provided by HiveCast.fm  

Episode 427. Marriage doesn't run on autopilot - it runs on intention. In this episode, we break down the real, practical steps couples need to stay connected for the long haul: protecting communication when tension rises, rebuilding trust after it's been shaken, and making room for both partners to grow without growing apart. If you're building a life with someone, a family, a business, a future. This episode is your playbook for making it last. Sponsor: We build the Best Landing Pages online. Perfect for businesses and personal brands ------------------------ Join Henry County New Business Club......The Founding 100 opens in November

In this episode, we explore KB's remarkable journey from a life-threatening stroke to building successful med spas, emphasizing resilience, authenticity, and purpose in entrepreneurship.key topics: entrepreneurship, resilience, medical spa, business growth, purpose, authenticity, recovery, leadership, mental health, familyKB's personal story of overcoming a strokeThe intersection of medicine and entrepreneurshipThe importance of authenticity and storytelling in brandingStrategies for scaling med spa businessesThe role of resilience and mindset in business successAuthenticity and a compelling story are key to brand differentiation.Resilience in the face of adversity can redefine your purpose.Leveraging social media for genuine connections accelerates growth.Balancing family, health, and business requires discipline and purpose.Sharing personal challenges can inspire and attract customers."Count your blessings and don't take it for granted""If you give me one more chance, I promise to be the best""The world needs inspiration and good news"Chapters00:00 Introduction and guest background02:04 KB's early life and challenges03:56 The stroke incident and immediate aftermath09:00 Recovery, faith, and new purpose11:51 Transition into real estate and business growth14:01 Founding med spa and wellness clinics17:04 The importance of authentic storytelling in branding20:02 Expanding into new markets and future plans22:05 Lessons on resilience, purpose, and leadership32:50 Advice for entrepreneurs facing challenges35:05 The role of discipline, presence, and faith

Keach Hagey: Keach Hagey, author of The Optimist: Sam Altman, OpenAI, and the Race to Invent the Future, explores the rise of Sam Altman and the founding of OpenAI, which launched in 2015 as a nonprofit research lab aimed at developing artificial general intelligence safely. Altman partnered with Greg Brockman and lead scientist Ilya Sutskever, securing initial billion-dollar commitments from major players such as Elon Musk and Peter Thiel. The narrative follows Altman's trajectory from a brilliant student at John Burroughs School to a Stanford dropout who founded the startup Loopt. Though Loopt was considered a relative failure, Altman's charismatic storytelling and investment prowess eventually led him to succeed Paul Graham as president of Y Combinator. As OpenAI's needs for computational power grew, the organization transitioned into a complex for-profit structure, leading to a power struggle that saw Musk depart. The account highlights a pivotal 2023 crisis in which the board fired Altman over concerns regarding his transparency, only for him to be reinstated after a massive staff revolt. Throughout, the book balances Altman's unwavering optimism for the future against stark warnings from AI godfathers about the potential existential risks of unaligned artificial intelligence. (1)

Founding pastor Paul Reichart brings us his message "Wrong Expectations," to celebrate our church's 20th birthday!Uncertain about God and faith? Peak City is a safe place to discover more about God and faith without any pressure. Come and see who Jesus really is and what he's really all about!Our mission is to help people discover Jesus and follow Him fearlessly by being raw, passionate, and clear. Visit ⁠peakcityco.com⁠ to find out more and we hope to see you in person soon!

Was the founding of the Orthodox Presbyterian Church justified or a sinful act of schism? This is the subject that will be debated. The debate host is Keith Foskey (Your Calvinist), and the debaters are Pastor Everett Henes and Redeemed Zoomer. An audience Q&A will be held at the end, so be sure to join us in the live chat. Timestamps:Introductions 4:50Opening Statement Henes 9:50Opening Statement RZ 23:00Rebuttal Henes 33:00Rebuttal RZ 39:00Cross-examination (RZ first, Henes second) 43:40Closing Statement RZ 1:07:00Closing Statement Henes 1:12:00Audience questions 1:17:00Support the Show: http://www.buymeacoffee.com/Yourcalvi...https://www.Page50.com/YourCalvinistPage50 is a Marketing Company that is committed to helping you build your brand with truth, goodness, and beauty. They do web design, videography, SEO, content creation, branding, and consulting. And for a limited time, you can get a free website audit, which can help you discover how your website is performing and what you can do to improve it. Just go to the link to get started.Love Coffee? Want the Best? Get a free bag of Squirrelly Joe's Coffee by clicking on this link: https://www.Squirrellyjoes.com/yourcalvinistor use coupon code "Keith" for 20% off anything in the storeDominion Wealth Strategies Visit them at https://www.dominionwealthstrategists...http://www.Reformed.Moneyand let them know we sent you! Visit us at https://www.KeithFoskey.comIf you need a great website, check out https://www.fellowshipstudios.com

What if the greatest thing holding back your ministry isn't your gifting, but the parts of yourself you've never surrendered? Troy sits down with Pastor Terrance Richmond, Founding and Lead Pastor of Love Quest International Church, for a conversation on sonship, discipleship, and becoming fully alive in Christ. Together they challenge modern ideas of church growth and reveal why God's priority has always been forming people, not filling buildings. From Oakland to church planting, Terrance shares how every part of your story, personality, and gifting can be used for God's Kingdom when fully surrendered.

Shensi Ding is the co-founder and CEO of Merge, the connective infrastructure that plugs into every tool.Merge started in 2020 building integrations, watched its first customers die off, then rebuilt itself twice for the AI era. Not many founders talk this honestly about tearing up their company. A lot of lessons for others trying to do the same.We get into why integrations turned out to be so important in AI, the night-shift 5-11pm build of their AI transformation, almost hiring a foreign spy, why Shensi thinks founders with an EA are moving too slow, the Embarrassment Framework, why 60% of public MCP servers quietly fail, vibe coding a dinner bot that 10x'd their customer events, and why 6% of Merge employees get married.Thanks to this episodes sponsors!Numeral: Sales tax on autopilot https://www.numeral.comFlex: Premium banking, 60-day credit, 0% APR https://home.flex.one/referral/bananacapitalAmplitude: AI analytics https://www.amplitude.comMerge: Every model, one API https://www.merge.dev/turnerMonaco: The revenue engine for startups https://www.monaco.com/Timestamps:(0:00) Something broke every year since 2020(2:22) How Merge went all-in on AI on nights and weekends(5:40) New launches got faster(8:32) Building connective infrastructure for AI(10:51) The dinner where Merge started(13:11) Six months of research before a line of code(19:00) Almost hiring a foreign spy(20:48) Merge's 6% marriage rate(22:50) Hiring enthusiastic, nice, smart people(28:02) Early stage founders don't need an EA(31:27) Shortcuts are a mentality(33:01) The AI tool that 10x'd their customer dinners(38:33) Marketing became an engineering function(40:51) Starting with SMB and climbing the logo ladder(42:07) How the product went cross-category(44:16) Launching Agent Handler and a new pricing model(46:47) Every product should be multi-model(49:58) Why most MCP servers don't work(53:31) Startups should go all-in on enterprise(57:00) The hardest things are most defensible(1:00:26) Say "psycho shit" to be memorable(1:05:47) The Embarrassment Framework(1:10:23) Frank Slootman and being okay with being disliked(1:12:48) Giving feedback got scarier at 100 people(1:14:01) What only the CEO can do(1:19:44) The best marketing is not doing what everyone else doesReferencedTry Merge: https://merge.dev/turnerCareers at Merge: https://www.merge.dev/careersFollow ShesiTwitter: https://x.com/shensiLinkedIn: https://www.linkedin.com/in/shensidingFollow TurnerTwitter: https://twitter.com/TurnerNovakLinkedIn: https://www.linkedin.com/in/turnernovakSubscribe to my newsletter to get every episode + the transcript in your inbox every week: https://www.thespl.it/

Greyson Boerner traded startup life for a 28-year-old niche business — now on pace to grow revenue 50% in year one.Register for the webinar:Learn to Avoid the #1 Reason Acquisitions Fail - TODAY!! - https://bit.ly/4z0fkBxTopics in Greyson's interview:Founding software startupsETA as a path to stabilityGetting his education with Acquisition LabFinding business brokers through Google MapsUncovered niche church pew restoration businessCompetitor closure created significant growth opportunityChurch visit reinforced acquisition decisionHired bilingual ops manager to bridge communicationStolen truck fiascoRevenue up 50%, margins pressured by investmentsReferences and how to contact Greyson:LinkedInWorship Interiors GroupContact Jenny to learn how Engage can run people operations in your acquisition:Jenny Thear: jthear@engagepeo.comWork with an SBA loan team focused exclusively on helping entrepreneurs buy businesses:Pioneer Capital AdvisoryGet a complimentary IT audit for acquisition diligence or post-close transition.Visit inzotechnologies.com/eta.Connect with Acquiring Minds:See past + future interviews on the YouTube channelConnect with host Will Smith on LinkedInFollow Will on TwitterEdited by Anton Rohozov and produced by Pam Cameron

In this Federalist Society America 250 series, experts analyze modern legal and policy debates through the lens of the Founding generation. The Founders gave us the tools to answer many contemporary questions; join us as we explore those answers.In Federalist 23, Alexander Hamilton identified the common defense and the preservation of peace against external attacks as two of the principal purposes served by union. The Constitution that union adopted divides the power to declare war—vested in Congress—and the power to direct war—vested in the President as Commander in Chief. But what does it say about national security more broadly? The Founders were not without reservation about the risks of concentrating the means of defense, with James Madison warning the Constitutional Convention that a “standing military force, with an overgrown Executive will not long be safe companions to liberty.” It was also clear from the start, however, that functions like intelligence gathering belonged more naturally to the executive, whose institutional character supported the necessary secrecy and dispatch.This webinar will explore how the Founders understood national security power beyond the battlefield, how closely subsequent practice tracked their design, and whether today’s allocation of powers serves both the nation's security and its liberty.Featuring:Dr. Alberto Coll, Director, Global Engagement; Vincent de Paul Professor of Law, DePaul University College of LawProf. Matthew Waxman, Liviu Librescu Professor of Law, Columbia School of LawProf. John Yoo, Emanuel S. Heller Professor of Law, University of California at Berkeley; Senior Research Fellow, School of Civic Leadership, Civitas Institute, University of Texas at Austin; Nonresident Senior Fellow, American Enterprise Institute(Moderator) Molly Nixon, Senior Fellow in Executive Power, Cato Institute

Master shaper, Coronado native, and lifelong surfer, Dan Mann, joins Dave Prodan on The Lineup to pull back the curtain on a career that has taken him from shaping his first boards in the 1990s to working alongside Kelly Slater, Firewire and Slater Designs on some of the most refined high-performance surfboards in the world. Dan Mann has spent nearly three decades chasing the perfect surfboard, and breaks down his path into shaping, the influence of legendary San Diego shapers, like Rusty and Xanadu, the evolution from hand shaping to CNC technology, and why consistency and engineering have become such important tools in modern surfboard design. He also goes deep on his decade-long relationship with Kelly Slater, including the development of models like the FRK, S-Boss and other Slater Designs boards. Mann also takes Dave behind the scenes of Stab in the Dark X, where he built a board for Kelly Slater under intense time pressure, and discusses the aftermath of seeing his work and personality portrayed in the series. He reflects on the follow-up Ethan Ewing edition, where his board earned major praise and helped showcase the depth of his shaping philosophy. The conversation gets deep into the details of surfboard design, from PU vs. EPS and Firewire construction technologies to twins, quads, rocker, bottom contours and fin placement. Dan talks about his current Mannkine and Firewire projects, the possibility of helping develop the next generation of CT surfers, and how “not thinking as much” is his next state of happiness. Follow Dan Mann here. Check out his latest Mannkine shapes on Firewire here. And shop the latest Outerknown merch here! Stay tuned to the Outerknown Tahiti Pro Presented by I-SEA, Aug 8-18. Stay up to date with the rankings. Get the latest merch at the WSL Store! Join the conversation by following The Lineup podcast with Dave Prodan on Instagram and subscribing to our YouTube channel. Get the latest WSL rankings, news, and event info. Learn more about your ad choices. Visit megaphone.fm/adchoices

"One day is a mental marathon, and so it is very difficult for the brain to be the best version of itself for everything. You don't have to be— your average is good for average experiences. Your best is needed for your most important experiences." —Dr. Izzy Justice The 10 Hertz brain state is the frequency neuroscientist Dr. Izzy Justice says separates your best decisions from your worst ones — and it's hiding in plain sight, 10 to 20 seconds away at any moment. After running more than 18,000 wireless EEG brain scans on everyone from NBA players to executives to trauma survivors, Dr. Justice discovered that peak focus, deep empathy, and total presence all cluster around the same low-noise brainwave frequency: roughly 10 Hertz. In this conversation with host Justine Reichman, Dr. Justice explains why wireless EEG technology changed how we understand the brain, how trauma physically "polarizes" specific neurons decades after the event, and why the fix isn't suppressing the memory but giving it a final chapter. He also walks through three practical neurohacks — techniques that take seconds, require no equipment, and can be used mid-conversation, mid-pitch, or mid-panic. This episode is for anyone who has ever felt foggy under pressure, reactive in a stressful moment, or unsure why their body remembers things their mind has tried to forget. Key Takeaways: Peak human performance and full sensory presence both happen near 10 Hertz, a measurably low-noise brain frequency — not a mindset or personality trait. Trauma creates highly "polarized" neurons that stay dormant until a matching sound, smell, or sensation reactivates them, sometimes decades later. You don't need to be your best self all day — reserving these techniques for one or two high-stakes moments daily is enough. The 10-10 technique (count fast to 10, then slow back to one) shifts brain state in about 20 seconds using nothing but your mind. The palm-tap technique and 4-2-8 breathing pattern each take 10 to 20 seconds and can be done anywhere, anytime. Healing trauma isn't about erasing the memory — it's about writing a final chapter where the experience serves a purpose. Listen to the full conversation and subscribe to Essential Ingredients so you never miss an episode:  https://tinyurl.com/Essential-Ingredients-Podcast  Meet Izzy:  Dr. Izzy Justice is the Chief Neuroscience Officer at Neuro580, a groundbreaking company at the forefront of human performance, sports psychology, and mental training. As a pioneering Sports Neuroscientist, he has certified over 300 coaches worldwide and has worked with elite athletes across multiple sports, many of whom have gone on to win Major Championships and Olympic Medals. Dr. Justice is the creator of Neurohacks-rapid, science-backed techniques that remove mental distractions, boost focus under pressure, and help athletes access the flow state in real time. With over 18,000 EEG-based functional brain scans conducted during live performance, he brings unmatched insight into golf neuroscience, mental toughness, and brainwave management for peak performance. As a consultant and executive coach, Dr. Justice has helped over 30 CEOs and dozens of Chief People Officers unlock leadership mindset, drive business performance, and build cultures of resilience through neuroscience. From Zambia, Africa, and based in the U.S. for the past 40 years, Dr. Justice is the Best-Selling Author of 10 Books, including his latest, Your Brain Swings Every Club (Foreword by Brad Faxon), which bridges the gap between golf focus techniques, emotional control, and personal mastery. Website LinkedIn Instagram  X YouTube Connet with Neuro580:  Website LinkedIn Instagram  TikTok Connect with NextGen Purpose: Website Facebook Instagram LinkedIn YouTube Podcast Chapters: 01:03 Meet Dr. Izzy Justice: From Boardroom to Brainwaves 04:10 How Wireless EEG Technology Changed Brain Science 08:32 Redefining Trauma as a Neuroscience Problem 14:03 The Mothers Who Turned Grief Into Purpose 19:55 The 10 Hertz Scale: Why Less Brain Noise Wins 28:22 The 10-10 Neurohack for Instant Focus 30:26 The Palm Tap: A 15-Second Calm Reset 33:00 The 4-2-8 Breathing Technique 41:10 What We'll Understand About the Brain Next 42:45 Key Takeaway: Longevity Starts With Your Brain  Resources:  Book Life Explained: Chasing 10Hz by Dr. Izzy Justice  THE PRIMES  ✨ You're more capable than you have ever been, and somehow more invisible than ever. You keep handing out advice you do not take yourself. You keep saying 'after this next thing' to your own life, and the people around you have no idea because, from the outside, everything looks fine— that is exactly what The Primes was built for.

At 6 years old, Kevin Keller was already "stealing" his father's cologne — a habit generously tolerated by his dad — and discovering that scent could change the way you felt before you ever said a word.That early fascination with transformation eventually became Fulton & Roark, the American fine fragrance house Keller co-founded in 2013 with $11,000 and a belief that perfumery could be both deeply personal and distinctly American.Raised in Atlanta and educated at Georgia State University and Wake Forest University, Keller began his career in journalism before turning to music and culture, where he profiled brilliant emerging musicians and artists. What stayed with him was a fascination with culture, place, and tradition — and how those forces subtly shape the way we carry ourselves in the world.Built without outside capital, Fulton & Roark has grown into a nationally distributed independent fragrance brand, available in nearly 500 retail locations including premier independent boutiques, select Ritz-Carlton and Omni properties, and Neiman Marcus stores and online. The brand has been featured in GQ, Vogue, and ELLE, among others, and its fragrance Roark's Cove was a finalist for the Universal Prestige category of the Fragrance of the Year Award from The Fragrance Foundation.He lives in Winston-Salem, North Carolina, with his wife and two children, and mentors young founders at Wake Forest University.In This Conversation We Discuss:[00:00] Introduction[01:08] Solid fragrances vs extrait de parfum[02:08] How the founder's love of fragrance began[03:16] Founding a niche brand with $11,000[05:26] Going to market without a DTC plan[07:39] Sponsor: IntelliGems[09:19] The GQ feature that forced them online[11:37] Building first websites on Squarespace[12:37] Sponsor: Klaviyo[14:47] Building the marketing flywheel[18:04] Sponsor: eFulfillment Service[19:40] Getting customers to pay for samples[22:37] Callouts[25:26] Why founders overrate daily metrics[27:30] Learning to delegate as a founder[27:54] Where to find Fulton & Roark[29:02] Final thoughtsResources:Subscribe to Honest Ecommerce on YoutubeAmerican Fine Fragrance fultonandroark.com/ Follow Kevin Keller linkedin.com/in/kevinwilliamkeller Book a demo today at intelligems.io/ Migrate and grow more klaviyo.com/honest Lower scale costs today FulfillmentService.com/honest If you're enjoying the show, we'd love it if you left Honest Ecommerce a review on Apple Podcasts. It makes a huge impact on the success of the podcast, and we love reading every one of your reviews!

A freak tornado drove the British army out of Washington. A supernatural fog hid 9,000 soldiers in rowboats on a dark river. Farmers with muskets nearly collapsed the republic before it had a constitution. These aren't myths — they're the parts of American history nobody put in your textbook. What if the founding was stranger than anything you were taught? Lance Wallnau goes deep on the hidden stories behind America's founding — from the Mayflower's secret divide to the acts of Providence that kept the revolution alive when everything said it should have died. In this episode: * The Mayflower wasn't a ship full of saints — fewer than half were Christians, and the two groups nearly came to blows before they ever touched land * The Mayflower Compact: the first uneasy deal between faith and fortune in America * The "unnatural fog" at the Battle of Long Island that evacuated 9,000 soldiers overnight, undetected * Valley Forge: 2,000 men dead from cold and hunger — and why Washington refused to leave * The freak storm of 1814 that doused the flames and scattered a British army from a burning Washington D.C. * Shays' Rebellion: the armed uprising that made the Constitution necessary * Why George Washington genuinely did not want to be president This is America's 250th year. Knowing where we came from changes how you see where we're going. Podcast Episode 2171: Mysterious Stories You Never Heard About Our Founding | don't miss this! Listen to more episodes of the Lance Wallnau Show at lancewallnau.com/podcast

4 Hours and 12 MinutesPG-13Stormy Waters is a managing partner of a venture capital firm.Philo's Miscellany has a YouTube channel in which he reviews rare books.Philos and Stormy joined Pete to discuss the Dulles brothers providing background and information on the formation of the Central Intelligence Agency. This is the complete audio.Philo's YouTube ChannelStormy's Twitter AccountPete and Thomas777 'At the Movies'Support Pete on His WebsitePete's PatreonPete's SubstackPete's SubscribestarPete's GUMROADPete's VenmoPete's Buy Me a CoffeePete on FacebookPete on TwitterBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-quinones-show--6071361/support.

Somewhere between what we're taught and what we actually believe, there's a gap—and someone is always ready to fill it. Kelly sits down again with America's government teacher, Sharon McMahon, recorded live on stage at the Aspen Ideas Festival, to trace the invisible architecture of how a country teaches itself what's true. They talk about the seduction of confidence and the strange new authority of the comment section, circling a bigger question: whether the most dangerous thing in a democracy is ignorance, or charisma without accountability. It's a conversation about the discomfort required to actually think for yourself, and what happens to a nation when no one can agree on the story it's telling.Check out Sharon's book which Kelly mentioned: The Small and the Mighty: Twelve Unsung Americans Who Changed the Course of History, from the Founding to the Civil Rights Movement

     Peter Berkowitz analyzes the work of Professor Patrick Deneen, who argues that liberal democracy is a "curse" that has atomized American society. Deneen presents contradictory accounts of whether liberalism was a founding principle or a 20th-century imposition. He advocates for a "regime change" toward a pre-liberal order that prioritizes biblical faith and classical virtue over individual rights. Berkowitz notes that Deneen's ideas have influenced figures like Vice President JD Vance, who has publicly endorsed Deneen's work. The critique suggests that Machiavellian means and state coercion may be necessary to restore a Christian foundation to the nation. (6)

Fireside Chat Ep. 100 — Is Capitalism Evil? originally aired on September 19th, 2019. With this week's Fireside Chat we hit episode 100, featuring the man who came up with the idea of PragerU - Allen Estrin. Tune in as Dennis and Allen reminisce over throwback stories, plus a surprising reveal from the day they met... Donate to PragerU today: https://www.prageru.com/ Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.