Podcasts about Goldman

Why do the most credentialed people on earth — the ones who checked every box, Stanford, Goldman, KKR, Harvard Business School — end up making the safest, most probable choices of their lives? In Part 2 of his conversation with Motley Fool's Rachel Warren, Reza Satchu breaks down his three-word framework for spotting real conviction versus hype (authenticity, momentum, inevitability), why capital allocation is the sharpest test of a CEO's judgment, his biggest regret as a founder (waiting too long to fire people), and the "curse of optionality" that keeps talented people from ever committing to anything. He closes with the one small, repeatable habit he wants every investor and founder to build to train their own judgment muscle.  Host: Rachel Warren  Guest: Reza Satchu  Producers: Dennis Golin, Lauren Budabin  Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Yom Kippur is here! For the past few years, Yom Kippur has been the single most popular day — all year — for folks to listen to the Judaism Unbound podcast. So to those of you incorporating our podcast into your observance of this holiday, wishing you a beautiful and unbound Yom Kippur. In this episode, Brad Lander -- a candidate for Congress in New York's 10th district -- joins Lex Rofeberg and Rena Yehuda Newman for a conversation about observing Yom Kippur in 2026. Together they explore topics ranging from Un'taneh Tokef (the 'Who by Fire' prayer), to the book of Isaiah, to Yiddish curses, all in the interest of building a world that "distributes suffering less unequally."Head to JudaismUnbound.com/classes to check out our up upcoming courses in the UnYeshiva! Judaism Inbound (our intro to Judaism course) begins in just a few days, and four other amazing learning opportunities begin in October! Financial aid is available.Access full shownotes for this episode via this link. If you're enjoying Judaism Unbound, please help us keep things going with a one-time or monthly tax-deductible donation -- support Judaism Unbound by clicking here!

durée : 00:05:44 - Le 13/14 - par : Céline Kallmann - L'acteur et musicien Marcus est l'invité de Céline Kallmann. Atteint d'une maladie génétique rare et d'un trouble du spectre de l'autisme, il évoque son amour inconditionnel pour la musique. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

The decisions leaders must make about AI today go far beyond what platforms to invest in: AI is changing organizational culture and leadership for good. In episode 1 of a special four-part series on how AI is changing leadership, we look at how the technology is changing how people interact at work, the new culture it is creating, and how leaders can get smart about talent management and strategy in this rapidly advancing world. Paula Goldman, Salesforce's chief ethical and humane use officer, argues there's currently a big opportunity to redesign work around the complementary strengths of humans and AI. She explains how AI could reshape entry-level jobs and the development of future leaders, why companies need to rethink internal mobility and talent development, and how executives can prepare their organizations for an AI-powered workforce without sacrificing accountability, creativity, or trust. Goldman is the author of Manage the Machine: How to Harness Human-AI Collaboration at Work. Plus: • Why “human in the loop” is an outdated model for managing AI—and what it means to put humans “at the helm.” • How leaders can determine which tasks to delegate to AI and where human judgment matters most • Why treating AI primarily as a cost-cutting tool could mean missing its bigger potential • How companies can redesign jobs and develop talent as AI takes over more routine tasks • Why leaders need to think differently about entry-level hiring and the development of future executives • How organizations can use AI to improve management, internal mobility, and employee development

What if your DNA could give you an owner's manual for your health?In this fascinating episode of the Wise Divine Women Podcast, Dana Irvine welcomes Dr. Aaron Goldman of DNA Labs Canada to explore how genetic testing is helping shape the future of personalized health, nutrition, lifestyle, and medicine.Dr. Goldman shares how his background in molecular biology and genetics led him to create DNA Labs and explains how advances in genetic sequencing have made personalized DNA information increasingly accessible.Together, Dana and Dr. Goldman discuss how genetics can influence everything from the way we metabolize medications to nutrient requirements, food sensitivities, hormone metabolism, detoxification pathways, brain health, and long-term disease risk.One of the most important messages from this conversation is that genetic risk is not destiny. Your DNA sequence generally does not change, but understanding your genetic predispositions may help you make more informed decisions about food, lifestyle, testing, and prevention.Dr. Goldman also explains the difference between genetics and epigenetics—how lifestyle and environmental factors may influence the way certain genes are expressed.In This Episode, You'll Discover:

Almost 2% of U.S. GDP will be spent on AI infrastructure this year, nearly double 2025's figure. But beneath those headline numbers, the composition of that spending has quietly flipped: for the first time, dollars spent on running models in production now outweigh dollars spent training them. In this episode of TechSurge, host David Goldman speaks with Austin Lyons, a semiconductor analyst at Creative Strategies, co-host of the Semi Doped podcast, and author of the Chipstrat newsletter. Lyons previously worked as a hardware engineer at Intel and as a product manager on John Deere's autonomous tractor and Blue River Technology teams before turning to full-time chip industry analysis. The conversation opens with why AI buyers have moved from assembling commoditized parts to buying entire pre-integrated systems, tracing how Nvidia's rack-scale approach, exemplified by its 72-GPU Grace Blackwell racks, made turnkey deployment the default, and why that raises the bar for any chip startup trying to compete. Lyons and Goldman then unpack how inference workloads have split into two distinct problems, prefill and decode, and how that split created an opening for SRAM-based challengers to outperform general-purpose GPUs on decode speed. From there, the discussion turns to the rise of neoclouds, the GPU-rental companies that grew into public businesses worth well over $100 billion combined, and why so many traditional investors missed them. Lyons and Goldman work through the circular financing debate head-on: the mechanics of Nvidia's equity stakes, GPU-backed debt, and hyperscaler off-take agreements that critics compare to dot-com-era vendor financing, and the counterargument that demand is simply outrunning fixed supply. The episode closes on Lyons's own framework for identifying the next trillion-dollar chip company, built on four conditions including the ability to run trillion-parameter models at rack scale, beat an incumbent on a key performance metric, and land a frontier anchor customer, along with a look at how AI-assisted chip design is lowering the barrier for more companies, from OpenAI to electric vehicle makers, to design their own custom silicon. Sign up for our newsletter at techsurgepodcast.com for updates on upcoming TechSurge Live Summits and future episodes. Speaker Profiles and Links David Goldman: Partner, Celesta Capital Austin Lyons: Senior Analyst, Creative Strategies; Founder, Chipstrat; Co-host, Semi DopedLinkedIn: https://www.linkedin.com/in/austinlyons/Newsletter: https://www.chipstrat.com Further Reading and Resources Nvidia DGX GB Rack Scale Systems documentation: https://docs.nvidia.com/dgx/dgxgb200-user-guide/OpenAI and Broadcom – "OpenAI and Broadcom Unveil LLM-Optimized Inference Chip": https://openai.com/index/openai-broadcom-jalapeno-inference-chip/Chipstrat – Austin Lyons's newsletter: https://www.chipstrat.comSemi-doped: https://semidoped.com/ Timestamps 00:00 — No One's Brought a Chip to Market Built for LLMs01:21 — Introducing Austin Lyons02:16 — Why AI Buyers Now Buy Whole Systems, Not Parts08:18 — Nvidia's Margins and the Case for System Simplicity10:10 — Can a Startup Compete When You Have to Sell Systems?14:12 — Prefill vs. Decode: Splitting the Inference Workload24:51 — Fragmentation vs. Consolidation in AI Silicon28:22 — Why Investors Missed the First Wave of Neoclouds38:18 — The Circular Financing Debate48:29 — Lyons's Four Conditions for the Next Trillion-Dollar Chip Company  About TechSurge:TechSurge Podcast shares the latest insights directly from legendary Silicon Valley leaders,daring new founders, and visionary technologists.Subscribe for weekly conversations into the intersection of technology advancement, market dynamics, and founder journeys.#AISilicon #LLMHardware #Nvidia #AIInference #TechPodcasts #AIInfrastructure

Fred and Abacus visit the Getty Museum, and see a chair that keeps making them think about snakes! Special guest Zoe Goldman shows us that there's no cutting corner with art, even if you have magic. Themes include: Artistic skills take a long time to master and art takes a long time to make! Hear Mr. Eric on season two of If Objects Could Talk, the Getty Museum's first podcast for kids, produced by our guest, Zoe Goldman. In each episode, a different work of art takes you on an imaginative journey through its history from the object's perspective! Check out If Objects Could Talk⁠ wherever you listen to podcasts! Want more kids podcasts for the whole family? Grown-ups, subscribe to Starglow+ here. Learn more about Starglow Media here. Follow Starglow on Instagram and YouTube Share questions with a grown-up's help via email: hello@whatifworldpodcast.com or voicemail: 205-605-WHAT (9428) Eric and Karen O'Keeffe make What If World. Our producer is Miss Lynn. Character art by Ana Stretcu, episode art by Lynn Hickernell, podcast art by Jason O'Keefe, and theme song by Craig Martinson.

GLP-1 receptor agonists remain an important and rapidly changing area of pharmacy practice, with new therapies, expanding indications, and evolving safety considerations shaping patient care. This course reviews recent developments in GLP-1 therapy, including newly approved medications, emerging evidence related to nutrition and oral health, and practical considerations for patient counseling and long-term management. You will be better prepared to evaluate new evidence, counsel patients on the safe and effective use of GLP-1 therapies, and incorporate recent updates into clinical practice. HOSTRachel Maynard, PharmDGameChangers Podcast Host and Lead, Clinical & Partnership Education, CEimpactGUESTJennifer D. Goldman, PharmD, CDCES, BC-ADM, FCCPProfessor of Pharmacy Practice/Director of Cardiometabolic ServicesMassachusetts College of Pharmacy-Boston, Well Life Medical  Pharmacists, REDEEM YOUR CPE HERE!CPE is available to Health Mart franchise members onlyTo learn more about Health Mart, click here: https://join.healthmart.com/PRACTICE RESOURCEReceive the exclusive Practice Resource to use as a reference guide for this episode by enrolling in the course. Click here to enroll!CPE INFORMATION Learning ObjectivesUpon successful completion of this knowledge-based activity, participants should be able to:1. Describe recent developments in GLP-1 therapies, including newly approved medications.2. Explain pharmacist-relevant considerations for counseling, safety monitoring, and long-term management of patients receiving GLP-1 therapies.Jennifer Goldman is a member of the speakers bureau for Novo Nordisk, Amgen, Lilly, Xeris, CeQur, and Abbott Diabetes. All relevant financial relationships have been mitigated.  0.075 CEU/0.75 HrUAN: 0107-0000-26-323-H01-PInitial release date: 9/14/2026Expiration date: 9/14/2029Additional CPE details can be found here.

GLP-1 receptor agonists remain an important and rapidly changing area of pharmacy practice, with new therapies, expanding indications, and evolving safety considerations shaping patient care. This course reviews recent developments in GLP-1 therapy, including newly approved medications, emerging evidence related to nutrition and oral health, and practical considerations for patient counseling and long-term management. You will be better prepared to evaluate new evidence, counsel patients on the safe and effective use of GLP-1 therapies, and incorporate recent updates into clinical practice.HOSTRachel Maynard, PharmDGameChangers Podcast Host and Lead, Clinical & Partnership Education, CEimpactGUESTJennifer D. Goldman, PharmD, CDCES, BC-ADM, FCCPProfessor of Pharmacy Practice/Director of Cardiometabolic ServicesMassachusetts College of Pharmacy-Boston, Well Life Medical GET CE FOR LISTENING!Stay Compliant. Grow Clinically. Practice with Confidence. Pharmacist CE Subscription: All your CE in one convenient subscription.All episodes, CE, and Practice Resources for the GameChangers Clinical Update is included with your Pharmacist CE Subscription. But wait…there's even more!The Pharmacist CE Subscription includes: -  Compliance and licensure CE -  GameChangers Clinical Updates-  Practical continuing education across patient care topics *The subscription does not include microcredentials or certificates, which are available separately for pharmacists seeking specialized service training. Purchase Now!PRACTICE RESOURCEReceive the exclusive Practice Resource to use as a reference guide for this episode by purchasing the Pharmacist CE Subscription. CPE REDEMPTIONThis course is accredited for continuing pharmacy education! Click the link below that applies to you to take the exam and evaluation to claim credit:If you are already enrolled in this course, click here to redeem your credit. To purchase the Pharmacist CE Subscription and claim your CPE credit, click here or to purchase this course individually, click here.  CPE INFORMATIONLearning ObjectivesUpon successful completion of this knowledge-based activity, participants should be able to:1. Describe recent developments in GLP-1 therapies, including newly approved medications.2. Explain pharmacist-relevant considerations for counseling, safety monitoring, and long-term management of patients receiving GLP-1 therapies.Jennifer Goldman is a member of the speakers bureau for Novo Nordisk, Amgen, Lilly, Xeris, CeQur, and Abbott Diabetes. All relevant financial relationships have been mitigated.0.075 CEU/0.75 HrUAN: 0107-0000-26-323-H01-PInitial release date: 9/14/2026Expiration date: 9/14/2029Additional CPE details can be found here.Follow CEimpact on Social Media:LinkedInInstagram

Empower emergent multilingual learners to thrive with multidimensional strategies that go beyond simple translation When emergent multilingual learners enter a new classroom, educators often grapple with a complex question: to translate or not to translate? Wait, Don't Just Translate offers a nuanced approach, moving beyond simple translation as a go-to strategy. Addressing the urgent need to foster true belonging, this book provides K-12 educators with a comprehensive, empathetic approach to honoring students' rich linguistic and cultural heritages without overreliance on translation. Key features include: Authentic vignettes that let you walk in the shoes of emergent multilingual learners and better understand their unique experiences. Sample teacher-created materials and ready-to-use instructional tools that effectively move beyond translation. Self-assessment tools and reflection probes to continuously affirm and challenge your asset-based practices. By embracing these inclusive practices, you'll discover how to create affirming spaces where newcomer and emergent multilingual learners feel safe, valued, and empowered to thrive academically, linguistically, and socially.   https://amzn.to/4xU925y

Fredericks Goldman Jones - Il suffira d'un signe Josef Salvat - Open Season (Une autre saison) Adèle Castillon - Été avec toi Téléphone - Hygiaphone Marguerite - Bellevie Jérémy Frérot - Frérot Gauvain Sers - Dans mes poches Zaoui - Pain au lait David Hallyday - Tu ne m'as pas laissé le temps Pierre de Maere - Mercredi Calogero - Pomme C M - Je dis aime Clara Luciani - Amour toujours Niagara - Je dois m'en aller Suarez - On s'en fout Eddy de Pretto - LOVE'n'TENDRESSE Les Négresses Vertes - Voilà l'été Dynamite Shakers - Par le vide Alain Bashung - Gaby Oh Gaby Hervé - Si bien du mal Vianney - D'or et d'étain Louane - Chiens Indochine - J'ai demandé à la Lune Vanessa Paradis - Rendez-vous Joseph Kamel - Ton regard Louise Attaque - Ton invitation Léa Paci - Pour aller où Patrick Coutin - J'aime regarder les filles Déportivo - Ivres et débutants Sébastien Tellier & Juliette Armanet - Attraction Marc Lavoine - Les tournesols Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

09-07-2026Logan Goldman Learn more about the interview and get additional links here: https://www.usadailychronicles.com/suny-farmingdale-student-leader-shares-5-mistakes-freshmen-should-avoid/ Subscribe to the best of our content here: https://priceofbusiness.substack.com/ Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCywgbHv7dpiBG2Qswr_ceEQ

Congressman Dan Goldman (NY-10) joins the show for a candid conversation about the price of being a pro-Israel Democrat in 2025. Goldman shares the surreal story of being publicly banned from a coffee shop hours after a kind, anonymous interaction with the barista — once the owner realized who he was. He breaks down why he believes the discourse around Israel, Zionism, and "genocide" has become unmoored from history and nuance, defends his record of opposing both Netanyahu's government and the DSA's more radical planks, and explains why he thinks the Democratic Party's path back to power runs through unity, not litmus tests. The conversation also covers his legislative wins — from 9/11 health funding to his "Robin Hood Act" targeting billionaire tax avoidance — and his blunt scorecard for Mayor Mamdani's first eight months in office. Be sure to check out the ⁠On Brand with Donny Deutsch YouTube page⁠. ⭐ Leave a review on Apple Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

Former NEC Director Gary Cohn joins with his reaction to this morning's inflation data and President Trump floating $5,000 payouts to Americans. Then, ServiceNow CEO Bill McDermott joins to discuss the latest warnings around AI. Plus, Goldman Sachs Chief U.S. Equity Strategist Ben Snider shares his take on the market and where he sees opportunity right now.Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Cetera CIO Gene Goldman draws a parallel to a blown football lead as he outlines the risks facing the current market, from Middle East tensions and rising oil prices to the Fed's struggle with supply-side inflation. He advises maintaining target asset allocations, rebalancing during pullbacks, overweighting U.S. small and mid-caps, and increasing duration.======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

9/8/26, Co-Host Amilcar Shabazz Rep Patricia Duffy: unions make us strong; cannabis policy & the marijuana ballot question; cell phone-free schools; data privacy & Flock; and more. Hadley School Super Anne McKenzie: we continue the conversation about cell phone-free schools and explore AI in schools—the good the bad & the ugly and then discuss new graduation requirements –are we facing MCAS 2.0? Negro League expert, baseball historian, Duke Goldman: How about those Red Sox!! —going to the World Series? Chad Tracy for Manager—forget “Interim?” The passing of Sox former manager Joe Morgan; the return to the NY Yankees lineup of Aaron Judge, the best hitter in the game. Wayfinders President and CEO Keith Fairey: new housing in South Hadley (the Clover), Amherst and Holyoke. The laws and town support that make new housing possible.

Many of us, especially midlife women, have been taught to ignore what our bodies are telling us. And then, midlife arrives! Suddenly, our bodies demand our attention. We just have to slow down long enough to listen!In this beautiful conversation with yoga therapist and artist, Breanne Goldman will show us how.And if you ever wonder what yoga therapist is, listen in.We talk about:Why women become disconnected from their bodiesThe difference between yoga and yoga therapyThe danger of the wellness fixesFinding steadiness, healing and wholenessFeeling at home in your own skinCONNECT WITH BREANNE:Website LinkedInThe Art of Listening: Guided MeditationsCONNECT WITH TERRI:Build in 12 Coaching Cohort -starting 9/9/26Terri's book, Step ForwardFacebookKeep stepping forward!

Jesus sees your faith, and faith sees the glory of God. Faith begins with hearing Christ, not with trying to overpower circumstances through confidence. From the four friends in Mark 2 to Martha at the tomb of Lazarus, believing takes its direction from who He is. In 2 Corinthians 4, pressure remains real, yet it cannot outweigh the eternal weight of glory. Believe what God has said, speak in agreement with His Word, and put that word into action. Look beyond the visible problem and carry others toward the supply found in Christ.

Jason Goldman just joined Bryan Kohberger's court-appointed defense team, and his first move was telling PEOPLE magazine that everyone should stop assuming they understand the Idaho murders case. He's being paid with public money, in a case that has already cost Idaho taxpayers more than eight million dollars. Here's what's not in dispute: Kohberger confessed on July 2, 2025, in Ada County — four guilty pleas, four lives taken, Madison Mogen, Kaylee Goncalves, Xana Kernodle, and Ethan Chapin. The judge confirmed it was voluntary. Kohberger gave up his right to appeal. The evidence behind that confession runs deep: a Reddit survey asking real offenders how they picked their targets, peers at Washington State University who flagged him for stalking and intimidating women, cell tower records placing him near the victims' address on roughly two dozen late-night occasions before the attack, and DNA recovered from a knife sheath left beside one of the bodies. Twelve months after sentencing, Kohberger filed a jailhouse petition claiming he'd been tricked into confessing — with no supporting evidence attached. The Goncalves family called him a narcissist. Now a judge has scheduled an evidentiary hearing for June 2027, and Kohberger's own hired forensics expert, Sy Ray, says investigators actually missed MORE incriminating cellphone data — and that the death penalty should be back on the table. So what exactly does Goldman think he's found that changes any of that? A new attorney who hadn't even read the file yet has ten months to answer that question in open court. Listen Anywhere You Get Podcasts: https://pod.link/1655749292 Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod?sub_confirmation=1 Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Check out Robin Dreeke's Master Class http://masterclass.com/robindreeke This publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice. Hashtags #BryanKohberger #JasonGoldman #KohbergerLawyer #IdahoMurders #UniversityOfIdaho #KohbergerPlea #HiddenKillers #TrueCrime #MoscowIdaho #SyRay 

The faith God places in you can carry someone else to Jesus. Neville Goldman opens Mark 2 through the four friends who refuse to let a crowd or a roof become the end of a paralyzed man's story. The man has the need, the friends have faith, and Jesus has the power. Through Hebrews 11:6, faith first moves toward God in hearing, worship and fellowship, then becomes visible in persistent action. Hear His Word, carry those who cannot carry themselves, and keep pressing toward Christ when obstacles stand in the way.

Crypto News: SEC proposes transfer agent rule, sets event to figure out round-the-clock U.S. trading. XRP ETFs pull in $170 million over 11 days. Goldman tops institutional holders. 21 major global banks including Bank of America, Citi, GoldmanSachs, DeutscheBank, and UBS, just committed to launching a joint stablecoin company, targeting a USD-denominated stablecoin to go live in H1 2027.

The Last Trade: government bond yields are blowing out across the developed world, Japan's 10-year hit 3% for the first time since 1996, and the Treasury's buyback program has already been overrun. Jackson, Michael, and Brian trace what a global bond rout means for hard assets, why $3.5 billion went into Bitcoin ETFs in August, and what it says that 21 of the largest banks just announced a joint dollar stablecoin.---

Designer Andrea Goldman talks about how to create homes that respond to everyday life but can also evolve with a client's changing needs when major shifts occur.

Bryan Kohberger's newest attorney, Jason Goldman, says the immediate focus of the defense is whether Kohberger's 2025 guilty plea was constitutionally valid and truly entered knowingly and voluntarily. Kohberger pleaded guilty to murdering Madison Mogen, Kaylee Goncalves, Xana Kernodle and Ethan Chapin in exchange for avoiding the death penalty, but he is now seeking post-conviction relief and attempting to withdraw that plea. In a handwritten petition filed in July, Kohberger claimed his former attorneys provided ineffective assistance and that his plea was induced by promises that were not kept and threats allegedly made by members of his own defense team. Goldman says an amended petition and possible evidentiary hearing could finally expose what happened during the critical days leading up to the plea, including circumstances that have not yet been made public. Judge Steven Hippler has given Kohberger's attorneys until November 13 to file the more detailed amended petition, while prosecutors are pushing to have the challenge dismissed.The new defense team is also attacking the structure of the proceedings themselves. Idaho attorney Greg Rauch, who was appointed to represent Kohberger, has asked that Hippler be removed from the case and that the proceedings be transferred back to Moscow, arguing that questions surrounding the judge's impartiality must be resolved before Kohberger's constitutional claims are heard. The motion points to Hippler's earlier refusal to give Kohberger's trial attorneys additional preparation time and to unusually harsh comments the judge made about Kohberger at sentencing. Prosecutors, meanwhile, have requested the transcript of Kohberger's July 2025 plea hearing, apparently preparing to use Kohberger's own sworn statements in court to undermine his new assertion that the plea was involuntary. What had appeared to be a closed case after Kohberger admitted responsibility and received four consecutive life sentences has therefore reopened into a significant post-conviction battle, with his new attorneys signaling that the circumstances surrounding the plea, his former defense team and potentially previously undisclosed information could become central issues in court.to contact me:bobbycapucci@protonmail.comsource:Bryan Kohberger's new lawyer targets guilty plea constitutionality | Fox News

The families answered before Goldman finished talking. When Kohberger moved to undo his confession, Kaylee Goncalves's relatives called him "the mosquito you just can't seem to swat" — a man who admitted guilt on the record, accepted the sentence that kept him alive, and started complaining about the deal the moment prison became real.Goldman wants the conversation to shift. He told PEOPLE magazine that assumptions about this case deserve scrutiny. But the material in front of every court that's touched this matter includes cell records placing Kohberger's device near the victims' residence on roughly two dozen overnight occasions, forensic links recovered from a blade cover found inches from one of the bodies, a vehicle traced by camera footage to and from the scene, and cleaning evidence prosecutors described as meticulous. Kohberger purchased the weapon months in advance through an online retailer.Before any of that, there was a documented pattern. An addiction that led to residential burglaries as a teenager. An academic career built around studying criminal emotion and target selection. University colleagues who reported intimidating conduct toward women to campus authorities and local law enforcement. Kohberger entered four guilty pleas for the November 2022 killings of Madison Mogen, Kaylee Goncalves, Xana Kernodle, and Ethan Chapin. He waived appellate rights. A hearing on his reversal is set for June 2027.Listen Anywhere You Get Podcasts: https://pod.link/1655749292Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod?sub_confirmation=1Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#BryanKohberger #Kohberger #IdahoMurders #KohbergerCase #TrueCrime #KohbergerPlea #JasonGoldman #UniversityOfIdaho #MoscowIdaho #HiddenKillers

In Manage the Machine: How to Harness Human-AI Collaboration at Work, Paula Goldman argues that AI has crossed over from being a tool to being a partner, and that the companies that win will not be the ones automating the most or the fastest, but the ones that deliberately design around where humans still need to lead.Goldman is the first-ever chief ethical and humane use officer at Salesforce, where she is also EVP of Product, and previously led the Tech and Society Solutions Lab and impact investing at Omidyar Network. She has served on the US National AI Advisory Committee, chairing its generative AI working group. Her new book is a practical guide to integrating AI across functions from sales to HR to legal, setting out how to decide which tasks can safely be delegated to AI, which should stay with people, and what guardrails keep either from going astray.In her conversation with Adam Job, senior director at the BCG Institute, she discusses her "human at the helm" model of AI adoption, the role customer emotion plays in deciding where AI belongs, whether AI erodes the very human judgment it depends on, how to measure AI ROI beyond time saved, and what it takes to move from pilots to enterprise-wide rollout.Key topics discussed:01:01 | What changes for leaders once AI shifts from tool to partner02:28 | The "human at the helm" model in practice07:09 | How the chief ethical and humane use officer role fits into AI governance09:43 | Customer and employee emotion as a design input12:39 | Skill decay: does the model erode itself over time?15:54 | The jagged technological frontier and where to deploy AI18:32 | Calculating AI ROI: cost savings versus new products22:14 | Navigating two moving frontiers, better and cheaper27:09 | Getting from successful pilot to enterprise rollout

Bryan Kohberger's newest attorney, Jason Goldman, says the immediate focus of the defense is whether Kohberger's 2025 guilty plea was constitutionally valid and truly entered knowingly and voluntarily. Kohberger pleaded guilty to murdering Madison Mogen, Kaylee Goncalves, Xana Kernodle and Ethan Chapin in exchange for avoiding the death penalty, but he is now seeking post-conviction relief and attempting to withdraw that plea. In a handwritten petition filed in July, Kohberger claimed his former attorneys provided ineffective assistance and that his plea was induced by promises that were not kept and threats allegedly made by members of his own defense team. Goldman says an amended petition and possible evidentiary hearing could finally expose what happened during the critical days leading up to the plea, including circumstances that have not yet been made public. Judge Steven Hippler has given Kohberger's attorneys until November 13 to file the more detailed amended petition, while prosecutors are pushing to have the challenge dismissed.The new defense team is also attacking the structure of the proceedings themselves. Idaho attorney Greg Rauch, who was appointed to represent Kohberger, has asked that Hippler be removed from the case and that the proceedings be transferred back to Moscow, arguing that questions surrounding the judge's impartiality must be resolved before Kohberger's constitutional claims are heard. The motion points to Hippler's earlier refusal to give Kohberger's trial attorneys additional preparation time and to unusually harsh comments the judge made about Kohberger at sentencing. Prosecutors, meanwhile, have requested the transcript of Kohberger's July 2025 plea hearing, apparently preparing to use Kohberger's own sworn statements in court to undermine his new assertion that the plea was involuntary. What had appeared to be a closed case after Kohberger admitted responsibility and received four consecutive life sentences has therefore reopened into a significant post-conviction battle, with his new attorneys signaling that the circumstances surrounding the plea, his former defense team and potentially previously undisclosed information could become central issues in court.to contact me:bobbycapucci@protonmail.comsource:Bryan Kohberger's new lawyer targets guilty plea constitutionality | Fox NewsBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

Neville Goldman calls believers into a naturally supernatural life built on the living Word. From John 1 and Genesis 1, he traces how God assesses a condition, speaks the word it needs and manifests that word through people who hear, believe, obey and prepare. Grace frees us to respond, while preparation makes room for purpose and provision. Through Jesus' rejection in Mark 6, he also reveals how familiarity, offence, dishonour and unbelief can close a heart to heaven's provision. Hear God, honour the grace He places near you and become a carrier of His glory in every sphere.

Neville Goldman reveals the voice behind the blessed life: the word God has spoken. Through Hebrews 11, Abraham's promise and the faith required to build what is not yet visible, he shows that biblical faith begins with hearing God and rests on His character, integrity and ability. He then exposes the rival voices of doubt, familiarity, accusation, religious criticism and intimidation that try to pull believers away from a ‘God said.' Learn to discern the voice carrying heaven's weight, stand patiently on God's word and keep moving until His promise becomes visible through your life.

How many people are pre-diabetic right now and have absolutely no idea? The numbers are staggering, and left unchecked, this subtle condition can eventually cost people their mobility, organs, and even their lives. I'm joined by John Goldman, founder of Rebel Health Alliance, who turned his health crisis at 45 into a mission to help others avoid the same predicament. He walks us through the diagnostics that revealed he was (in his words) a metabolic disaster, and the seven-part philosophy he used to reverse it.  We get into why walking after meals is one of the most underrated tools for blood sugar control, what a continuous glucose monitor can teach you about your body, and why John believes healthcare should involve a coordinated team instead of a single rushed doctor's visit.  We also explore GLP-1 medications, muscle loss, and why so many people are setting themselves up to fail when they misuse these powerful drugs.    "Don't be afraid of the fact that your blood sugar spikes, because it's going to spike whenever you eat anything. You can lower blood sugar by just getting up and moving around." ~ John Goldman   In This Episode: - John's wake-up call at 45  - The Rebel Health Alliance philosophy on longevity  - Why walking is the easiest insulin resistance fix  - The scale of America's pre-diabetes crisis  - How movement helps in building muscle mass - The benefit of an identity-based lifestyle change  - Symptoms of insulin resistance - Health insights from continuous glucose monitors - How alcohol wrecks blood sugar and sleep  - Peptides, muscle loss, and how to do it right - How to connect with John and Rebel Health Alliance   Products & Resources Mentioned: Rebel Health Alliance: Access personalized medical care focused on optimization and longevity, guided by your unique biology and long-term health goals from the elite medical team at https://rebelhealthalliance.io/  Bon Charge Red Light Face Mask: Get 15% off sitewide, plus free shipping and a 12-month warranty, with code WENDY at https://boncharge.com/  Tru Energy Skincare Bio Adaptive Hydration Oil: Try the oil and save up to $197 at http://trytruenergy.com/wendy5  Puori Grass-Fed PW1 Whey Protein: Use code WENDY20 to save up to 32% off your order and get a free shaker worth $25 at https://puori.com/wendy20 Heavy Metals Quiz: Check your toxicity score and receive a free video series on how to detox your body. Take the quiz at https://heavymetalsquiz.com    About John Goldman: When doctors told John Goldman he was fine, he felt anything but. He was tired, overworked, and uninspired by a healthcare system that waits for people to get sick before doing anything about it. So, he decided to rebel. As the Founder & CEO of Rebel Health Alliance, John built a new kind of healthcare company—one designed to make you stronger, sharper, and more resilient right now. And to prove what's possible, he's turning himself into the ultimate case study: transforming from average to elite, aiming to qualify for the Boston Marathon in 18 months or less. You can learn more about his work at https://rebelhealthalliance.io/    Disclaimer The Myers Detox Podcast was created and hosted by Dr. Wendy Myers. This podcast is for information purposes only. Statements and views expressed on this podcast are not medical advice. This podcast, including Wendy Myers and the producers, disclaims responsibility for any possible adverse effects from using the information contained herein. The opinions of guests are their own, and this podcast does not endorse or accept responsibility for statements made by guests. This podcast does not make any representations or warranties about guests' qualifications or credibility. Individuals on this podcast may have a direct or indirect financial interest in products or services referred to herein. If you think you have a medical problem, consult a licensed physician.

 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.  

Sacred resonance for healing and higher consciousness by intoning the Divine Name• Explains the healing and transformational power of intoning the Divine Name• Teaches how to correctly intone the Divine Name through exercises and audio downloads for maximum vibrational effect• Reveals how the sacred sound of the Divine Name can be used to promote human and planetary healingIn this book, sound healing expert Jonathan Goldman reveals the secrets of ascension harmonics and how we can learn to experience the sacred resonance of the Divine Name to reconnect to the source of all that is.First prohibited from being spoken and then lost for nearly 2,500 years, the Divine Name of God, when vocalized, has the ability to raise consciousness, invoke spiritual transformation, heal the body, and balance and activate the subtle energy field.Goldman shares his rediscovery of the Divine Name—the Biblical Tetragrammaton—as being a harmonically related universal sequence of vowels that is nondenominational and can be experienced by everyone. He gives a step-by-step process for effectively intoning the Divine Name with intention and prayer and offers links to 60 minutes of audio downloads that will teach you how to properly sound the Divine Name through chakra and biofield resonance.Goldman also presents the latest research on the effects of this sacred sound on DNA and water and introduces readers to the Angel of Sacred Sound. He reveals how to integrate biofield resonance with universal spiritual teachings to access the ascension harmonics of the Divine Name and bring humankind to the next level of evolution.Jonathan Goldman, MA, is a founding pioneer and international authority in the field of sound healing with more than 50 years of experience. He facilitates Healing Sounds Seminars throughout Europe and the United States, is the president of Spirit Music, Inc., and is the director of the Sound Healers Association. A Grammy nominee with more than 30 bestselling, award-winning recordings and books, he lives in Boulder, Colorado.https://www.healingsounds.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.

Want the exact system we use to build an electrical business that gives you MORE control of your time?Grab SLE App Pro below and see how we help electricians build the sales and service systems to make that freedom possible:https://serviceloopelectrical.com/pro-appAnd if you want the full roadmap from electrician to Million Dollar Electrician:•https://youtu.be/T8wHmb56FwE————————————Most electricians start a business because they want freedom…Then answer every phone call.Take every job.Give every customer whatever time they ask for.And squeeze their family into whatever scraps are left.Repeat long enough until your kid's childhood becomes a collection of jobs you “couldn't move.”Meanwhile…We've worked with electricians at every stage of this journey.And the trap usually looks painfully similar.Like Groundhog Day.Same calendar.Different service call.Because a great business shouldn't feel like another boss…It should feel like freedom.But behind the scenes?Freedom is built more like a breaker panel.You decide what gets a circuit… and what doesn't.In this video, we break down the system for building an electrical business that:• gives you control over your schedule• protects time with the people who actually matter• lets you serve fewer customers at a higher level• creates more profit without surrendering your entire life• turns the business into a tool for your family… instead of its competitionInside, I'll show you:• why health → family → business may be the most important order an entrepreneur ever learns• how another electrician's podcast story convinced Bill to block Wednesday mornings for his son• why “I can't take that time off” is often a broken way of looking at your own business• how to drive a stake in the ground and make family time genuinely non-negotiable• why you have more control over your schedule, quoting and positioning than you probably think• how better service and stronger economics can buy back something more valuable than revenue: time• why chasing every available job can turn your business into a hungry monster that eats every hour you feed it• how Bill built Goldwire while keeping family at the center of why he was building it• why the real Million Dollar Electrician isn't just building a bigger company… he's building a better lifeAlso…There's Bill realizing another electrician's swim-class story could become his own Wednesday tradition.There's a very necessary detour into Bill's dangerously dry sense of humor.Clay gets accused of being funny-looking… and apparently the joke doesn't exactly land.Joe has a “proud dad” moment reflecting on how far Bill has come.And there's the strange circular economy of one electrician hearing a story… changing his life… then coming on this podcast to pass it to the next guy.If you're new here, binge the channel.If you own an electrical service business, steal the framework.If you want to scale to $1M+ with less chaos…Watch the Million Dollar Plan below.————————————And if you want to see our Million Dollar Plan — how we help Electric Service Business Owners build $1M+ companies without becoming a slave to the truck, the phone, or the chaos…Watch here:• https://youtu.be/T8wHmb56FwE————————————Podcast Scholarship DrawTurn your support into real rewards.Subscribe, leave a review, or follow us. each action = 1 entry. Monthly: Open Circuit Lifetime Membership ($1,500 value)Twice per year: Service Loop Electrical Packages ($5,000 value)Submit your entry here!

What if healthcare wasn't just about treating disease—but helping people become the strongest, healthiest, most vibrant version of themselves?In this fascinating and forward-thinking episode, I sit down with John Goldman, Human Performance Advocate, visionary in Precision Medicine, and Founder & CEO of Rebel Health Alliance.John shares why he rebelled against the traditional healthcare system and created a revolutionary parallel healthcare model focused on prevention, optimization, and coordinated personalized care. Instead of waiting until people get sick, Rebel Health Alliance is designed to help individuals proactively improve their health, energy, resilience, and quality of life through data-driven, highly personalized support.We explore how modern lifestyles are quietly making many people sick and overweight—and why small daily habits, consistency, structure, and proactive health choices can dramatically transform our future.John explains how Rebel Health Alliance combines cutting-edge diagnostic technology with a carefully curated team of experts—including doctors, strength coaches, dieticians, and epigenetic counselors—all coordinated around the individual. Through virtual care, members gain convenient access to personalized support through text, voice, and video while keeping costs more affordable than traditional healthcare models.One of the most inspiring moments in the conversation is when John shares his personal goal of becoming a “bad ass grandpa”—living a long, healthy, energetic life filled with vitality and purpose. His mission is not simply helping people avoid illness, but helping them truly thrive.We also discuss:Why prevention matters more than waiting for diseaseThe limitations of insurance-based healthcareThe importance of discipline and daily habitsRebuilding energy, focus, and resiliencePrecision medicine and personalized careThe role of accountability and support in long-term transformationCost-sharing options for unexpected medical emergenciesWhy health optimization should feel personal and human—not transactionalJohn's passion for empowering people to take ownership of their health is contagious, and this episode offers hope for anyone searching for a more proactive and personalized approach to wellness.You can learn more about John and Rebel Health Alliance at: Rebel Health Alliance WebsiteConnect with John on social media:Twitter/X @JohnGoldmanInstagramLinkedInIf you enjoyed this episode, please share it with someone who is ready to take a proactive approach to their health and future.Listen, Share, and SupportIf this episode resonated with you, please share it with someone who may need hope today.Be sure to subscribe, leave a rating and review, and help us spread more healing and inspiration to the world.Free Resource for HealingIf you're ready to release stress, calm your mind, and begin healing from within, visit:

On this episode of In AI We Trust?, EqualAI President and CEO Miriam Vogel speaks with Paula Goldman, Salesforce's Chief Ethical and Humane Use Officer and EVP of Product. In anticipation of Paula's forthcoming book Manage the Machine: How to Harness Human AI Collaboration at Work, they discuss how AI can be designed and used in a way that centers and strengthens human judgment and human connection. The end goal is to expand accessibility and improve people's experiences across domains, including HR, customer service, and marketing. 

Psychologist and emotional eating expert Rachel Goldman discusses the harmful effects of diet culture, GLP-1 abuse, intuitive eating and mindful consumption. She also shares tools for mindful eating and parenting strategies for supporting children struggling with body image.Follow Dr. Rachel on Instagram at @drrachelnycHer book, "When Life Happens: The Mindset Shift You Need to Manage Stress, Build Confidence, and Break Free" is available at https://whenlifehappensbook.com/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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SUMMARY: Brian, Brandon, and Aaron discuss news about Nvidia's reported $105B backing of OpenAI's Ohio data center and what it implies for GPUs as an “asset class” and enterprise AI. Brian argues Jensen Huang is shifting Nvidia's narrative from needing the newest chips immediately to portraying GPUs as long-lived, cash-flowing assets that can be financed like bonds, pushing risk onto banks and private equity. Brandon agrees scarcity has extended older GPU usefulness but warns the market could be flooded with newer, cheaper, more efficient hardware, leaving debt tied to obsolete equipment. Aaron likens GPUs to airplanes, expensive assets requiring constant utilization, while noting new AI builds demand entirely new data centers for power and cooling. The group questions widespread lack of profitability, compares the financing trend to past bubbles, and debates the optimistic case that breakthroughs could ultimately justify the investment.SHOW: 1056SHOW TRANSCRIPT: The Enterprise AI Show #1056 TranscriptSHOW VIDEO: https://youtu.be/vTLTdIZueJMSHOW SPONSORS:Nasuni - Activate your data for AI and request a demoShow topic: Nvidia's Pivot from Chipmaker to FinancierNvidia just backed $105B for OpenAI's Ohio data center and helped mobilize $500B+ in Wall Street financing (Apollo, Blackstone, BlackRock, Goldman, KKR) to fund GPU purchases, while AMD, Google, and Cerebras chip away at its tech lead. The moat is moving from silicon to balance sheet.Core question: Is a GPU actually securitizable like real estate or aircraft, or is this circular financing dressed up as infrastructure?The bull case: GPUs as productive, cash-flow-generating assets (compute-as-a-service) → financeable like data centers or planes, unlocking capital hyperscalers alone couldn't raise.The bear case: Depreciation risk; GPUs age fast, unlike buildings. What's the residual value of an H100-class chip in 2030? Securitizing a depreciating, obsolescence-prone asset is a very different bet than securitizing land.Circularity concern: Nvidia financing the customers who buy Nvidia chips, who generate the revenue that justifies Nvidia's valuation, echoes vendor financing bubbles (Cisco/telecom, 2000).Precedent: Compare to aircraft leasing/securitization models: what made those work (long asset life, resale markets, standardized valuation), and whether GPUs have any of that yet.Who bears the risk if utilization or model economics don't pan out: Nvidia, the banks, or the credit markets buying the paper?FEEDBACK?Email: show @ the enterprise ai show dot comeBluesky: @TheEntAIShow.bsky.socialTwitter/X: @TheEntAIShowInstagram: @TheEntAIShow

You were probably told to save money, build good credit, contribute to retirement accounts, work for several decades and eventually retire somewhere with a Costco membership and surprisingly strong opinions about thermostat settings. Mark Quann thinks that entire playbook deserves cross-examination. In ROI Podcast® #513, Law Smith and Eric Readinger talk with Mark Quann, founder of The Perfect Portfolio and author of Be Smart Pay Zero Taxes, about the wealth strategy known as Buy, Borrow, Die. Mark explains the basic idea: buy appreciating assets, avoid unnecessarily selling those assets, and potentially use loans secured by those investments to access liquidity instead. The conversation gets into margin loans, stocks and ETFs, real estate, life insurance, precious metals, Bitcoin, inflation, capital gains, financial education and why Mark believes wealthy investors think about debt differently. Law naturally stress-tests the strategy by asking how somebody should finance a cocaine habit. Somebody had to. Mark also explains why he's bullish on Bitcoin but considerably less affectionate toward the rest of crypto, why he questions conventional retirement and banking advice, and why he's teaching investment concepts to homeschool students young enough to still require permission to operate the toaster. His road into finance wasn't exactly Wharton-to-Goldman. Mark talks about dropping out of school, growing up poor, becoming a private investigator in Los Angeles, conducting workers' compensation surveillance, meeting Patrick Bet-David early in his career, becoming a financial advisor, writing books and eventually building The Perfect Portfolio. It's personal finance, investing, entrepreneurship, tax strategy, childhood LSD, private-investigator urine bottles and Eric somehow getting accused of racism. So, basically, Bloomberg with worse adult supervision. Guest: Mark Quann, The Perfect Portfolio Hosts: Law Smith, @LawSmithWorks, LawSmithWorks.com | Eric Readinger, @EricReadinger ROI Podcast®: @ROIshow, ROIshow.com Tocobaga: SolvingHow.com The description reflects subjects and claims actually discussed in the provided transcript and audio and not financial advice. Law Smith Instagram: @lawsmithworks. ROI's own posts consistently tag that account. X: @LawSmithWorks. YouTube: @LawSmithWorks. Facebook: Law Smith Works / @LawSmithWorks. LinkedIn: Law Smith / lawsmithworks. Eric Readinger Instagram: @ericreadinger. Facebook: Eric Readinger / ericreadinger. LinkedIn: Eric Readinger / eric-readinger. I found third-party indexing suggesting @ericreadinger on TikTok, but I could not first-party verify that account, so I would not put it in the episode metadata yet. ROI Podcast® Instagram: @roishow. YouTube: @roishow. Facebook: ROI Podcast / girthyroi. The URL still carries the old brand handle. LinkedIn: ROI Podcast®. The public company page still uses the legacy /company/sweatequity slug. Tocobaga Instagram: @solvinghow. Facebook: Tocobaga / TocobagaWorks. LinkedIn: Tocobaga, company page currently indexed at /company/toco-works. Mark Quann His own website explicitly identifies these as official accounts: Instagram: @markjquann. X: @markjquann. LinkedIn: Mark Quann / mark-quann-author. The Perfect Portfolio Instagram: @theperfectportfolio. YouTube: @P2Wealth. X: @P2Wealth. LinkedIn: The Perfect Portfolio. Facebook: Mark Quann, The Perfect Portfolio.

Our first-ever Aug-Heist pick, 1973's The Sting, saw Paul Newman and Robert Redford re-team with director George Roy Hill for a Depression-era crime caper. Now, we're reviewing the 1969 film that brought the three of them back together for the first time. The film, from a script by legendary writer William Goldman, is loosely based on the real-life Wild West outlaws Robert LeRoy Parker (Newman), and his partner Harry Longabaugh, (Redford), who in 1888 are on the lam after a string of train robberies. The film also stars Katherine Ross as Etta Place, Ted Cassidy as Harvey Logan, and features a soundtrack by Burt Bacharach. While audiences didn't storm the theaters to see it on first release, retrospective reviews have been favorable and the film did win four Oscars. In 2006, the Writers Guild of America ranked Goldman's screenplay 11th on its list of the 101 Greatest Screenplays ever written. Now we're following the exploits of Parker and Longabaugh, alias Butch Cassidy and the Sundance Kid!    For more geeky podcasts visit GonnaGeek.com    You can find us on iTunes under ''Legends Podcast''. Please subscribe and give us a positive review. You can also follow us on Twitter @LegendsPodcast or even better, send us an e-mail: LegendsPodcastS@gmail.com    You can write to Rum Daddy directly: rumdaddylegends@gmail.com    You can find all our contact information here on the Network page of GonnaGeek.com Our complete archive is always available at www.legendspodcast.com, www.legendspodcast.libsyn.com    Show Music:Danger Storm by Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 https://creativecommons.org/licenses/by/4.0/  

In today's episode, Elizabeth sits down with Dr. Rachel Goldman, a psychologist specializing in health and behavior change and author of the new book When Life Happens. They talk about why not every season of life needs to be about growth, how to break free of the all or nothing "dieter's mentality," and why maintaining what's working can be its own form of progress. The conversation dives deep into GLP-1s, body image, and the mental health implications of "shrinking bodies" culture, including Dr. Rachel's honest take on treating these medications like a crash diet. They also get into the difference between being physiologically full and emotionally satisfied, mindful eating practices, and how to build real resilience without needing to hit rock bottom first.If you want to go DEEPER with me, my Substack is where I share even more behind-the-scenes, personal reflections, and wellness experiments, with new posts dropping every Thursday: https://substack.com/@thewellnessprocessFollow Dr. Rachel Goldman:Instagram: https://www.instagram.com/drrachelnycWebsite: https://www.drrachelnyc.comWhen Life Happens: https://www.whenlifehappensbook.comFollow us:Instagram: https://www.instagram.com/thewellnessprocesspodTikTok: https://www.tiktok.com/@thewellnessprocessYouTube: https://www.youtube.com/@TheWellnessProcessSponsors:Use code WELLNESS at monarch.com for 50% off your first year.Head to cozyearth.com and use code WELLNESS for an exclusive 20% offVisit Tatcha.com and use code TWP for 15% off your first purchase.Use coupon code TWP to save 15% at boncharge.comSecure 10% off for life and begin your intentional wind-down journey today at piquelife.com/wellnessVisit carawayhome.com/TWP10 or use code TWP10 at checkout to take an additional 10% off your next purchase Text TWP to 64000 to get 20% off all IQBAR products, plus FREE shipping. Message and data rates may apply. Produced by Dear MediaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Bitcoin continues to hold above $63K despite heavy ETF outflows and elevated Treasury yields, showing surprising resilience as markets remain cautious. With volatility near historic lows and Goldman expecting no Fed hike in September, the setup could be building for a bigger move as macro and geopolitical risks remain in focus. Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew, Ben, and Tom discuss leaked Anthropic second-quarter results showing revenue of $11.5 billion, up 1300% year-over-year and 143% quarter-over-quarter with an annualized run rate crossing $47 billion in May compared to OpenAI's roughly $40 billion at the same point, SpaceX's AI division contributing $2.6 billion in the quarter while posting positive adjusted EBITDA despite an adjusted operating loss, Chinese memory chipmaker CXMT surpassing Tencent to become China's most valuable company with a market cap over $500 billion as capital increasingly shifts from internet platforms to hardware, and Goldman Sachs pushing back on market pricing that it views as too hawkish on the odds of a Fed rate hike.Join our live YouTube stream Monday through Friday at 8:30 AM EST:http://www.youtube.com/@TheMorningMarketBriefingPlease see disclosures:https://www.narwhal.com/disclosure

I'm delighted to connect with Dr. Rachel Goldman today. She is a licensed clinical psychologist based in New York City and a clinical assistant professor in the Department of Psychiatry at NYU Grossman School of Medicine. She specializes in the mind-body connection using cognitive behavioral therapy, with a focus on stress management, burnout, distorted eating, bariatric surgery support, and health behavior changes. I was honored to meet Dr. Rachel in Miami at an event where we both spoke earlier this year. In our conversation, we discuss how to approach body image in midlife, how our families influence our relationships with food, what toxic positivity is, and how it invalidates our emotions. We also explore the vulnerability of midlife and parenting, the effects of GLP-1 drugs, obesity as a disease, and the impact of mindset. Dr. Rachel also defines burnout and shares the best ways to address it. Stay tuned for today's invaluable conversation on body image, mindset, emotions, and navigating the challenges of midlife. IN THIS EPISODE, YOU WILL LEARN: Dr. Rachel shares her approach to helping midlife women struggling with body image and identity  How our thought processes around food can influence our emotions and behaviors Various factors that can influence our relationship with food How women with many rules around food can start changing their thinking How to navigate grief about your younger body and learn to appreciate the body you have now What toxic positivity is and how it invalidates our emotions How personal and professional role changes in midlife can affect a woman's sense of identity Why Dr. Rachel recommends having more than one coping tool in your toolbox  The effects Dr. Rachel has been seeing in patients using GLP-1 medications What burnout is, and how to address it Connect with Cynthia Thurlow   Follow on X, Instagram & LinkedIn Check out Cynthia's website. Submit your questions to support@cynthiathurlow.com  Join other like-minded women in a supportive, nurturing community: The Midlife Pause/Cynthia Thurlow.  Purchase Cynthia's book, The Menopause Gut. Cynthia's Intermittent Fasting Transformation Book The Midlife Pause Supplement Line Connect with Dr. Rachel Goldman On social media: @DrRachelNYC   Purchase links for Dr. Rachel's book are available HERE.

Former Disney CEO Bob Iger and Thrive Capital founder Josh Kushner are set to buy the Los Angeles Lakers, marking a major shakeup for one of sports' most valuable franchises. Then Goldman Sachs Chief U.S. Economist David Mericle breaks down the latest CPI report and what it means for inflation and the Fed. Plus, Lumentum CEO Michael Hurlston joins the show after earnings to discuss demand for the optical technology powering the AI infrastructure boom. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.