Podcasts about imos

Excepcionalmente, este episódio será em formato de vídeo.Este vídeo é baseado em uma extensa postagem que pode ser conferida na Área de Membros do blog Ciência Low-Carb.A farsa dos adoçantes com IMO.Neste vídeo, você vai aprender:O que é isomalto-oligossacarídeo (IMO), também erroneamente conhecido como fibra de mandioca ou de tapioca;Isomalto-oligossacarídeos (IMO) elevam a glicemia tanto ou mais que o açúcar;O que é uma fibra;IMO não é uma fibra, e sim um carboidrato;IMOs vêm com muitos nomes – mas seguem sendo IMO e seguem elevando a glicemia;Mesmo quando o IMO vem designado como “fibra de mandioca”, “fibra de tapioca”, “fibra de mandioca resistente”, “fibra de tapioca resistente”, “isomalto-oligossacarídeo de tapioca resistente” ou outras nomenclaturas criativas, ele segue não sendo fibra, segue não sendo resistente [à digestão] e segue tendo impacto glicêmico elevado.Baseado em quê os fabricantes afirmam que se trata de uma fibra e por que eles estão errados;Há possibilidade de que muita gente esteja errando de boa fé.REFERÊNCIAS BIBLIOGRÁFICAS (e links citados) A farsa dos adoçantes culináriosComida Sem Filtro #183 – Doce Ilusão [REPRISE]Guia de adoçantesMicrobioma – Hope or Hype?Measurement of Dietary Fiber: Which AOAC Official Method of AnalysisSM to Use New insights suggest isomaltooligosaccharides are slowly digestible carbohydrates, rather than dietary fibers, at constitutive mammalian α-glucosidase levelsGastrointestinal Tolerance and Glycemic Response of Isomaltooligosaccharides in Healthy AdultsThe effects of soluble corn fibre and isomaltooligosacharides on blood glucose, insulin, digestion and fermentation in healthy young males and femalesIngestion of isomalto-oligosaccharides stimulates insulin and incretin hormone secretion in healthy adultsA Survey of Commercially Available Isomaltooligosaccharide-Based Food IngredientsNanéa: o adoçante que parece fibra, mas é igual açúcarHaoma e Moon Sugar: a farsa dos doces gourmetRotulagem NutricionalSaiba mais sobre o livro Uma Dieta Além da Moda: Meu livro: UMA DIETA ALÉM DA MODAEstamos no Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Dr. Souto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sari Fontana⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Para ser avisado sobre cada novo episódio e receber os links das matérias mencionadas e as referências bibliográficas por e-mail, cadastre-se gratuitamente em ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drsouto.com.br/podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Área de membros do blog: https://drsouto.com.br/area-de-membros/

We are joined by Chris Trump to talk about natural farming, diving deep into IMO 1, IMO 2, IMO 3, and more! Learn more about Chris at Biomei Natural Farming Solutions.

Esta mañana en #Noticias7AM entrevistamos a Edgardo Flores Campbell, Presidente del Comité Ciudadano de Seguridad Pública Municipal (CCSPM Tijuana) en Tijuana.  Tema: Qué pasa en materia de seguridad pública Tijuana, ¿continúa la divergencia entre la estadística y la percepción? Lo sucedido en el HGT, los baleados en una fiesta con un funcionario del IMOS, etcétera. – Los retos más importantes hoy día. - El papel de la fiscalía estatal en la situación actual. - Evaluaciones de Control y Confianza no son garantía de que policías son incorruptibles: CCSPT.  #Uniradioinforma

Falo con Juan María Calvo Roy, presidente do Club Bonsai A Estrada, da II EXPO BAE que vai ter lugar entre o venres 16 e o domingo 18 na Sala Abanca da Estrada. 🔊"Este ano podense ver máis traballos dos socios, porque cada ano vai aumentando o nivel do traballo dos socios". 🔊"Imos facer demostracións tanto o sábado como o domingo para que o público que asista poida ver como se fai un bonsai". 🔊"Calquera pode ter un bonsai. Pode parecerse ao coidado dun can ou dun gato, non fai falta ser veterinario. O que hai é que preocuparse de coidalo, nada máis". 📅 Do 16 ao 18 de maio 🕣 11:00-21:00h 🗺️ Sala Abanca, A Estrada (Pontevedra) 👉 Máis Información BONSAI A ESTRADA: ✔️ Facebook: https://www.facebook.com/profile.php?id=100093280054054 ✔️ Instagram: https://www.instagram.com/bonsaiaestrada/ ☎️ Teléfono: 649888435 ☎️ Teléfono: 665826022 🎙️ "SUSCRÍBETE" ao podcast👍 👉MÁIS ENTREVISTAS: https://www.ivoox.com/podcast-salta-da-cama_sq_f1323089_1.html 👉Máis Información e outros contidos: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

Have you ever imagined NOT using fertilizers? What if we don't NEED fertilizers like farmers have been told? What if there's another way? That's what Kelly and DeAnna have been working on for decades, and they've made a breakthrough with simple, 1st principles-based decision making that is worth listening to. I hope you enjoy this very special episode!! Guardian Grains: https://www.guardiangrains.com Learn about IMOS: https://www.guardiangrains.com/imos Sign up for REGENERATIVE SOIL 2025 soon because the New Season begins 5/12: https://matt-powers.mykajabi.com/regenerativesoil

Lorena Penas, de "Actual Comunicación Amodiño", empresa que se adica á xestión da comunicación dixital. Hoxe falamos dos Premios Rebumbio e do primeiro certame da Comunicación Dixital Local. "Un xurado profesional será o encargado de escoller tres finalistas, desde Actual Comunicación so imos escoller o Premio Xove Promesa en Comunicación ". "Imos ter unhas xornadas de comunicación, nas que imos falar de como se transformou a comunicación e as redes sociais. Tamén imos falar de emprendemento feminino no eido local". "Somos unha axencia que traballamos con clientes locais e que traballamos co comercio local, por eso queremos facerlle un guiño". Sábado 29 de marzo 9.30 a 13.30 ️MOME, A Estrada Un xurado profesional será o encargado de escoller tres finalistas —dos cales sairá un gañador— en cada unha das seguintes categorías: Mellor uso do galego en redes sociais (premiará o correcto emprego do idioma galego no espazo dixital), Mellor uso do humor como recurso comunicativo (premiará a persoas, colectivos ou iniciativas que destacasen pola súa creatividade e talento utilizando a comunicación como ferramenta para entreter, conectar e provocar sorrisos), Mellor iniciativa local en redes sociais (para elixir a actividade ou iniciativa que mellor funcionamento ou resultados acadase en redes sociais en canto a visibilidade ou alcance de público), Mellor difusión da vida estradense (premio á contribución para dar a coñecer, promover e poñer en valor a vida, a cultura e a identidade da Estrada) e Mellor difusión de negocio local en redes sociais (empresas ou profesionais destacados pola súa estratexia en redes para promocionar o seu negocio). Ademais, Actual Comunicación outorgará de xeito directo o Premio Xove Promesa en Comunicación, unha categoría que busca premiar a incorporación dos mais novos á actividade comunicativa profesional. Máis Información ACTUAL COMUNICACIÓN Amodiño: ✔️Páxina Web: https://actualizadoscomunicacion.com/ ✔️Facebook: https://www.facebook.com/actualizadoscomunicacion ✔️Twitter: https://twitter.com/actualizadoscom ✔️Instagram: https://www.instagram.com/actualizados_comunicacion/ ️"SUSCRÍBETE" ao podcast. MÁIS ENTREVISTAS: https://www.ivoox.com/podcast-salta-da-cama_sq_f1323089_1.html Máis Información e outros contidos: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

Discover how you can join the course today!:https://sevenfigurecrm.com/how-to-find-and-purchase-books-of-businessesOn this podcast episode, I sit down with Glen Shelton to uncover the hidden truths about FMOs and IMOs. We break down how they operate, what agents need to know, and the secrets that can impact your success in the industry. Don't miss this eye-opening conversation! Gets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Get access now to 7 Figure Medicare University:Lifetime access:https://sevenfigureu.com/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

Cada martes falo coa Psicóloga e sexóloga Verónica Barros de Barros psicoloxía. Hoxe falamos do rencor na parella. 🔊"O rencor é un sentimento que é vivido como negativo e persistente". 🔊"O rencor xera unha carga emocional que afecta á relación, impedindo que a situación se resolva de forma saudable". 🔊"Un aspecto importante do rencor é que empeora o benestar da persoa que o experimenta". 📢O rencor é un sentimento que é vivido como negativo e persistente, que aparece cando alguen se sinte ferido, ofendido ou inxustamente tratado, e non logra perdoar non superar esa emoción. É unha forma de resentimento que se mantén no tempo, alimentándose de pensamentos e recordos dolorosos relacionados coa experiencia vivida. O rencor xera unha carga emocional que afecta á relación, impedindo que a situación se resolva de forma saudable. Un aspecto importante do rencor é que empeora o benestar da persoa que o experimenta, xa que mantén viva a ferida do pasado, impedindo a curación e o perdón. Un dos ámbitos nos que nos atopamos con este sentimento en consulta e, por ende, na vida, é no das parellas. 💡Imos poñer dous exemplos diferentes: ✔️1. Muller de 35 anos que leva coa súa parella 5 anos. Cando comezaron a quedar, e aínda non tiñan unha relación establecida ou pechada, el falaba con outras chicas, sen demasiado interese, pero tamén sen contarllo a ela. Cando oficializaron a relación contoullo, e iso para ela foi vivido como unha deslealdade, que, cada vez que discuten, sae en conversa como algo doloroso e mostra dos erros del. ✔️2. Home de 67 anos, cunha relación dende os 20 anos. Descubriu cando tiña 40 anos que a súa muller cometera unha infidelidade con colaborador do traballo. No seu momento, falárono, ela modificou totalmente a súa conduta, rematou coa relación e nunca máis lle fallou, pero, el a día de hoxe, sinte que en cada erro cotiá que ela comete, iso resurxe nos seus adentros. Son casos diferentes, pero que mostran o forte que pode ser o rencor. 💡Tips para afrontalo: ✔️1. Recoñecelo. É importante recoñecer o que estamos sentindo, pero, sobre todo, de onde parte. É dicir, porque nos doe ou molesta tanto o que sucedeu. Por exemplo, no primeiro caso pode que lle doera porque ela estaba totalmente namorada dende un principio e sinte que no caso del non era así. Pode que haxa unha dependencia. Pode que sinta que está renunciando a cousas por ter esa situación,… ✔️2. Falalo abertamente. Sobre todo cando se da o acto doloroso, pero tamén despois. É importante evitar acusacións infundadas, como “sempre fas o mesmo” ✔️3. Escoitar activamente. Cando temos unha emoción ou sentimento potentes, oimos pero non escoitamos. Comprender o outro punto de vista, coñecer os motivos que levaron ao outro a comportarse así nesa situación concreta pode facernos entender que iso non ten porque repetirse. ✔️4. Aceptar a imperfección. Saber que ningunha relación é perfecta, que os erros son naturais, e que hai cuestións que, a pesar de que socialmente se din moitas cousas, cada un pode aceptalas ou non nas súas vidas. ✔️5. Perdoar. O perdón é máis propio que cara ao outro. E perdoar non significa esquecer, senon deixar que a carga se vaia. ✔️6. Establecer límites claros, mostrando que cuestións son pasables e cales imperdonables. ✔️7. Buscar axuda profesional. Ás veces, as cuestións máis molestas e os erros teóricamente máis dramáticos e dolorosos son os que despois nos ensinan máis nas relacións e nos fan medrar como parella. 👉Máis información BARROS PSICOLOGÍA: ✔️Barros Psicologia: https://www.barrospsicologia.com/ ✔️Facebook: https://www.facebook.com/veronicabarrospsicologia ✔️Instagram: https://www.instagram.com/barrospsicologia/ 🎙️Se che gustan os contidos "SUSCRÍBETE" ao podcast👍 👉Máis Información e entrevistas: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

Cada martes falo coa Psicóloga e sexóloga Verónica Barros de Barros psicoloxía. Hoxe falamos de Como facer amigos e expandir o teu círculo na adultez. 🔊"Primeiro paso para facer amigos? Adoptar a mentalidade correcta". 🔊"Precísanse de 40 a 60 horas de tempo xuntos para formar unha amizade sólida". 🔊"Cruda realidad: todos sacamos unha primeira impresión. E soemos buscar o perfil de instagram dos demais". 📢Como facer amigos e expandir o teu círculo na adultez Sempre falamos de que ter a persoas coas que falar, xente que nos apoie é fundamental. E penso que en Galicia sabémolo ben. Temos familias grandes, apoios de amizades e veciños,… Ter unha boa rede social permite construir comunidade e manter relacións. Axuda en fitos importantes da vida: coidado de nenos, enfermos ou dependentes, por exemplo. Tamén poden ser útiles para conectar con máis xente, xerando enlaces, que tanto nos poden favorecer persoalmente, e incluso tamén a nivel laboral. En resumo, unha rede social sólida non so nos conecta co mundo senon que tamén nos da acceso a apoio, oportunidades e recursos que poden mellorar a nosa vida. Sen embargo, a propia vida pode levar a que nos alonxemos das amizades ou a que nos centremos en aspectos como o traballo ou cuestións máis individuais. Ademais, teóricamente cerca do 50% da poboación é introvertida e moita xente ten moitas máis dificultades a medida que maduramos. 💡Imos, por tanto, a aportar 5 estratexias para facer amigos: ✔️1. Asume que as personas queren coñecerte e que vales a pena e podes xerar interesez SPOILER: ninguén te está xuzgando negativamente. Primeiro paso para facer amigos? Adoptar a mentalidade correcta. - Entra a cada interacción con actitude de abundancia. - Asume que se interesarán en ti. ✔️2. Únete a unha actividade constante Algo que che asegure contacto constante con outros: - Ximnasio - Teatro - Club de lectura (E claro, non faltes) Dato: precísanse de 40 a 60 horas de tempo xuntos para formar unha amizade sólida. ✔️3. Interésare nos demais Mito da amizade: debes ser entretido para facer novos amigos. Dato: pregunta sempre, para poder establecer conversas. Non sobre a vida íntima dos demais, pero si de datos comúns, ou de cuestións que compartiron anteriormente contigo. ✔️4. Pule os teus perfiles en redes sociales Cruda realidad: todos sacamos unha primeira impresión. E soemos buscar o perfil de instagram dos demais. Pule o teu perfil, mostra os teus intereses, sé auténtico(a). ✔️5. Cultiva as túas amizades. A vida pasa, e o tempo para os amigos redúcese pero: - Planea unha cea o venres. - Reserva unha viaxe de fin de semana. - Fai unha chamada mensual. Mito da amizade: unha vez que se establece unha amizade, permanece. As amizades desvanecen se non se coidan. 👉Máis información BARROS PSICOLOGÍA: ✔️Barros Psicologia: https://www.barrospsicologia.com/ ✔️Facebook: https://www.facebook.com/veronicabarrospsicologia ✔️Instagram: https://www.instagram.com/barrospsicologia/ 🎙️Se che gustan os contidos "SUSCRÍBETE" ao podcast👍 👉Máis Información e entrevistas: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

There's a certain craving that can only be satiated by provel on pizza. We have a challenge this hour and yes, it applies to podcast listening too.

Ever wonder why the fiber in your protein bar is high? Or is the fiber in protein bars good for you? In this episode you will learn about the key types of fiber and common fibers listed in protein bars—IMOs, inulin, soluble corn fiber, and resistant dextrin—and how they stack up in supporting gut health. Support the show

It's time for a Tuesday "health" take! Like a hot take, but HEALTHIER! My goal with these short "snacks" is to briefly give you my take on a current health topic. The perfect 5:00 way to start your day!Today I am giving you my take on a sneaky ingredient you may not have even heard of "IMO", aka Isomalto-oligosaccharides. They're in most protein bars and energy bars, and their claim to fame is that they are a sweet-tasting, zero-calorie prebiotic fiber that has no effect whatsoever on blood sugar. But do they live up to the hype? I weight in today!_________________Join me on the 'gram! Get free recipes and tips delivered right to your inbox every Friday!Learn more about your options for working 1:1 with me: https://www.revivewellness.health/services or use this link here, to schedule a free strategy call!Try Syntrax! To try to the most delicious, gluten free, lactose free "top of the line" whey isolate AND save 25% use the code "syntraxallison" at checkout.Want some FREE LMNT? Use this link for a FREE sample pack with any order!Better Bodies discount code "BB15" at checkout to save 15% on my favorite betterbodies gear!

Lorena Penas, de "Actualizados Comunicación", empresa que se adica á xestión da comunicación dixital. Hoxe falamos de cómo contar historias en Instagram, do storytelling 🔊"O storytelling é unha parte moi importante da comunicación en Instagram". 🔊"O cerebro procesa as imaxe e os vídeos moito máis rápido que o texto, case 60.000 veces máis rápido". 🔊"O storytelling ten que formar parte da túa estratexia de comunicación, comunicar o teu valor de marca, os teus valores e a esencia de quen es". 📢As historias de Instagram é parte do contido indispensable dunha conta de Instagram. Adoitamos publicar como máximo 1 vez á semana no canal de contidos, pero cantas veces a día publicas en historias? As historias de Instagram achéganche aos teus seguidores, son expontáneas e axúdanche a manterche presente na mente da xente que che segue. A idea é contar cousas interesantes, guays a través das historias. Podes intercalar vídeos naturais, con deseños máis concretos, utilizar stickers monos que che axuden a potenciar emocións.. ou engadir tipografías que ninguén máis teña e diferéncienche dos demais. 📢Que é o storytelling? O storytelling é unha parte moi importante da comunicación en Instagram. O storytelling forma parte do Marketing, e aínda que parece que se asocia máis a marcas, calquera pode utilizar o storytelling en Instagram ou outra rede social. O storytelling é contar unha historia, e todos temos unha historia que contar. 📢Que é o storytelling visual? Cando falamos de Instagram, o máis acertado é falar de storytelling visual, xa que Instagram é unha app principalmente visual, na que o contido nos entra polos ollos. É por iso, que antes de empezar a facer calquera publicación, e mesmo antes de empezar a planificar o noso contido no canal de contidos de Instagram hai que pensar que é o que queremos contar, para baixalo despois a elementos visuais e gráficas concretas. O storytelling visual é contar unha historia a través de imaxes ou vídeos. Isto é moi potente porque o cerebro procesa as imaxe e os vídeos moito máis rápido que o texto, case 60.000 veces máis rápido. É por iso que dar coa creatividade adecuada pode ter un impacto moi grande en quen o ve. Ademais, a xente prefire o cómodo, e é moito máis fácil ver un vídeo que ler un texto, o esforzo que require é menor, e cando estamos en redes sociais o noso cerebro quere desconectar e non ter que facer traballo extra. 📢Tipos de storytelling: 💡 Vídeo storytelling: contar unha historia a través dun vídeo. Isto pódese facer cun vídeo no canal de contidos ou en historias. Como de longo ten que ser o vídeo? O storytelling non quere dicir que haxa que facer un curto, vale cun vídeo de ata 6 segundos, que teña unha imaxes rechamante e un copy ou audio que o acompañe. Os gifs en Instagram poden funcionar moi ben, non require unha produción moi grande, pero permíteche comunicar en movemento. 💡 Imaxe storytelling: contar unha historia a través de imaxes. Isto pode facerse a través dunha imaxe potente que acompañe un texto que de información adicional ao que xa se ve no texto. Ademais da imaxe a nivel individual, todo o teu canal de contidos pode contar unha historia, cada foto achega unha narración distinta, e entre todo o contido que conforma o teu canal de contidos a persoa pode ler nuns poucos segundos cal é a historia da túa marca. Por iso, o storytelling ten que formar parte da túa estratexia de comunicación, comunicar o teu valor de marca, os teus valores e a esencia de quen es. 📢Como contar unha historia en Instagram? Se tes unha marca persoal, quizais tes que contar a “historia da túa vida”, tes moitos exemplos de como a xente vai deixando pistas de quen son e cal é a súa historia. Imos ver algúns pasos que podes seguir para que che axude a contar a túa historia: 💡1. Cales son os teus valores? Aínda que penses que non sabes exactamente cales son os teus valores, todos temos valores que podemos plasmar nas nosas redes sociais, e servirnos deles á hora de crear contido. Se pensas nunha empresa, hoxe en día, a maioría de marcas que se dirixen aos millennials teñen valores claros: son ecolóxicos, fabrican en España, apoian causas… Pensa cales son os teus valores como persoa, que é o que che gusta, o que che fai especial..e utilízao para crear unha historia, e crear a túa marca persoal e estratexia. 💡2. Apóiate no texto Tamén aínda que o foco o poñamos na imaxe non podes descoidar o texto, porque se realmente consegues captar a atención co visual, o que queremos é que a xente estea o suficientemente interesada como para a continuación ler o texto. Pensa que o copy pode ser algo así como escribir unha historia curta, tes que estruturalas. 💡3. Mira os teus datos e analízaos Non vale unicamente con comunicar as mensaxes da túa marca. Hai que mirar os datos e tamén as analíticas. Cando fas revisión dos teus datos e as analíticas… entendes cal é a túa demografía, que demografía na que máis se identifica co teu contido, e iso axúdache a seguir creando contido. 💡4. Conecta coa xente a través do teu perfil Todos somos seres sociais, que nos baseamos nas nosas emocións. Por iso entender á xente que nos vai a seguir axúdanos a crear unha conexión e que nos axude a que a xente. ✔️E con isto lanzamos a pregunta para a seguinte semana: cales credes que son as claves do éxito en redes sociais? 👉Máis Información ACTUALIZADOS COMUNICACIÓN: ✔️Páxina Web: https://actualizadoscomunicacion.com/ ✔️Facebook: https://www.facebook.com/actualizadoscomunicacion ✔️Twitter: https://twitter.com/actualizadoscom ✔️Instagram: https://www.instagram.com/actualizados_comunicacion/ 🎙️"SUSCRÍBETE" ao podcast.👍 👉MÁIS ENTREVISTAS: https://www.ivoox.com/podcast-salta-da-cama_sq_f1323089_1.html 👉Máis Información e outros contidos: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

In this episode, Josh Null and Jay Stubbs explore the complex world of financial services acronyms. Starting with an overview of their roles and backgrounds, they explain the various organizations and terms that industry professionals encounter. They discuss FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) and how these differ from captive carriers.   Josh and Jay also touch on related acronyms like RIA (Registered Investment Adviser) and IAR (Investment Adviser Representative), clarifying their nuances. They talk about the benefits these organizations provide, such as offering a range of products and helping advisors shop for the best client solutions. Additionally, Jay explains his own credentials as a CLU (Chartered Life Underwriter) and emphasizes the importance of understanding industry-specific certifications and ratings. This episode serves as a valuable guide for both curious investors and financial professionals, demystifying the acronyms that dominate the industry. For more information and resources, listeners are encouraged to visit the Providence Partners website or contact Jay directly. Enjoy The Show!   3 Key Episode Takeaways - Understanding Industry Acronyms: We break down what FMOs (Field Marketing Organizations), IMOs (Independent Marketing Organizations), and BGAs (Brokerage General Agencies) are, and how they differ. This knowledge is crucial for anyone in financial services to comprehend the structures that support various products and solutions. - Benefits of Different Organizations: Jay Stubbs explains the importance of these organizations in offering multiple products and solutions for clients. Focusing on their ability to shop for the best options in the market ensures you can provide top-tier choices for your clients. - Navigating Client Solutions: Learn how to leverage the specific offerings of these organizations to better serve your clients. From life insurance to annuities, the ability to compare and find the best fit is a game-changer in financial planning and advisory services.   Show Overview 02:23 Growth in insurance business through acronyms explained. 05:37 Insurance and annuity products marketed through FMOs. 08:58 General agency provides higher service level access.   Gulf Coast Financial Advisors, LLC ("GCFA”) is a registered investment adviser offering advisory services in the State of Alabama and in such other jurisdictions where it is registered, filed the required notices, or is otherwise excluded or exempted from such registration and/or notice filing requirements. Registration does not indicate or imply that GCFA has attained a particular level of skill or ability, nor does it constitute an endorsement of the firm by the Securities and Exchange Commission (SEC) or any state securities regulator.   The Every Dollar Counts with Josh & Jay podcast serves mainly to disseminate general information including those pertaining to GCFA's advisory services, together with access to additional investment-related information, publications, materials and links. The publication of this podcast should not be construed by any client and/or prospective client as GCFA's solicitation to effect, or attempt to effect transactions in securities, nor should it be interpreted as GCFA providing personalized investment advice, or any type of professional advice, for compensation, wherever this program is broadcast. Any subsequent, direct communication by GCFA with a prospective client will be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.   Certain information, news stories, headlines, data, charts, graphs, figures or statistics presented on this podcast may have been obtained from third-party sources that are believed to be generally reliable but which GCFA may not have independently verified. GCFA does not and cannot guarantee the timeliness, accuracy, or reliability of any such third-party information and undertakes no obligation to update or correct any information that may become obsolete, unreliable, or inaccurate. The podcast also contains the opinions, views, and perspectives expressed by Josh Null and any other GCFA representatives which are solely their own, and do not necessarily reflect the opinions, views, or perspectives of GCFA as a firm. Such personal views and opinions should not be construed as endorsements or professional advice from GCFA. GCFA makes no representation or warranty regarding the accuracy, completeness, or reliability of any information on this podcoast, and disclaims any liability for any direct or indirect loss or damage incurred from using or relying on such information. GCFA and Providence Partners are not affiliated, nor are any of their respective representatives. /////// Jay Stubbs is not employed directly by or for Gulf Coast Financial Advisors, nor is he involved in any securities transactions. If payment is received for any insurance planning or production, Jay is paid directly from the insurance carrier. There are no revenue sharing or referral fees paid to, or received from, in regards to Jay's role with Gulf Coast Financial Advisors.  The Every Dollar Counts with Josh & Jay podcast content has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. The information provided herein is not a complete analysis of every material fact regarding any strategy; it is intended only to provide insight into the opinions of the author. All information presented is for educational purposes only and is not an offer or solicitation for the sale or purchase of any securities. Podcast content offers commentary and generalized research, not personalized investment advice, and is for informational purposes only and does not constitute a complete description of our investment services or performance. All investments involve risk and unless otherwise stated, are not guaranteed. You should consult your own tax, legal and accounting advisors before engaging in any transaction. Jay Stubb's investments and advisory services are offered through representatives of Lincoln Financial Securities Corporation, Member SIPC. Investments offered to residents of Alabama. Advisory services offered to residents of Alabama. Securities offered through AL. Investment advisory services offered in AL. Lincoln Financial Securities does not provide legal or tax advice. Providence Partners, Providence Benefits, JWS Financial, Gulf Coast Financial Advisors and Lincoln Financial Securities are not affiliated. LFS-2912837-011720.

Esta mañana en #Noticias7AM entrevistamos a Arq. Jorge Alberto Gutiérrez Topete, Director del Instituto de Movilidad Sustentable del Estado de Baja California (IMOS BC).   Temas: - IMOS recibe 100 quejas diarias de usuarios de transporte público en Tijuana, Tecate y Rosarito. - ¿Se mantiene la cada vez más difícil política de no aumentar las tarifas? - Actualización del reordenamiento del corredor Agua Caliente – Díaz Ordaz; nuevas rutas. - Los camiones eléctricos, pruebas, costo - beneficio, dónde habrá, y cuántos. - El proyecto del Cablebús no sólo es viable, hay proyecto; se necesita el recurso federal. - El Sistema Integral de Transporte de Tijuana (SITT), ¿qué pasará?   #Uniradioinforma

In this episode of "Insurance Business Babes," hosts Kathe Kline and Joanna Wyckoff talk about a bunch of different things, but delve into the importance of using CRM systems and technology to streamline client interactions and protect against disputes. They discuss various tools like Applaud AI for recording face-to-face meetings, Dialpad for phone calls, and RingCentral for sales calls, stressing the necessity of keeping detailed records and obtaining consent. The hosts share their experiences in dealing with client billing issues, managing educational events, and leveraging technology like AI and CRM systems to enhance their business operations. Amid personal and professional anecdotes, they also touch on the challenges and benefits of working with IMOs and FMOs, the significance of educational content, and the value of excellent customer service. The episode concludes with reflections on their success, continuous learning, and the importance of thoughtful planning for business events.

In today's world, traditional marketing tactics are often ineffective in capturing clients' attention. Organic growth in financial services lies at the intersection of content, delivery, and personalization. By using AI to generate personalized content, advisors can create meaningful connections and engage clients more effectively. AI-powered marketing is promising, as it has the potential to deliver unique and tailored content that resonates with individual clients at scale. In this episode, Jack talks with Robert Sofia, Founder and CEO of Snappy Kraken. Robert has served thousands of companies across the spectrum of financial services, including RIAs, family offices, broker/dealers, TAMPs, IMOs, custodians, insurance, and investment companies. With a background in marketing, Robert is passionate about helping advisors forge meaningful connections with their clients and prospects. He is dedicated to leveraging technology, including AI, to create engaging and personalized content. Robert talks with Jack about how Snappy Kraken helps financial advisors drive organic growth through content, automation, and AI. He shares insights from their recent marketing study, highlighting the importance of SEO, text messaging, and video content in driving engagement and conversions. Robert also emphasizes the evolving role of advisors in providing holistic financial advice and using generative AI to personalize content. Key Takeaways [01:06] - Snappy Kraken's role in the financial services industry. [02:31] - Empowering financial decisions through content and automation. [04:34] - Insights from Robert's recent marketing study. [10:28] - The highest-converting lead magnet. [13:29] - Empowering advisors to step out of their comfort zones. [15:04] - How Snappy Kraken works with large enterprises. [17:48] - How Robert uses generative AI for marketing. [22:39] - The future of financial advice. [26:15] - Strategies for driving organic growth. [27:39] - Robert's interests outside of work. Quotes [11:01] - “The number one highest-converting lead magnet was tax-related. So, the top-performing campaign, bar none by a huge margin, was hidden tax opportunities for high-net-worth investors. And that campaign outperformed all others.” ~ Robert Sofia [21:18] - “The future of AI in our business, as far as marketing is concerned, is at the intersection of content, content delivery, and personalization with generative AI.” ~ Robert Sofia [27:12] - “If you're already out there marketing and already have a website, why not make it perform twice as well with an SEO strategy? If you already have opt-in on your website, why not make them convert 400% better using text messages? If you're already sending out communications, why not record them as videos instead of text and get 120% better engagement?” ~ Robert Sofia Links  Robert Sofia on LinkedIn Robert Sofia on Twitter Snappy Kraken Tiburon Strategic Advisors LPL Financial Nitrogen Wealth Fidelity Investments Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Explore the upcoming DOL Rule effective September 23, 2024, and its implications for financial advisors. Understand the expanded definition of a fiduciary, the responsibilities for providing honest, best-interest advice, and the exemptions for insurance intermediaries like IMOs, FMOs, and BGAs. We'll guide you on preparing for the new standards—staying informed, ensuring compliance, and continually enhancing your knowledge to best serve your clients.

In this episode, Wade Pfau and Alex Murguia interview Dennis Mattern from Creative One about the role of Independent Marketing Organizations (IMOs) in the financial industry. They discuss the difference between captive and independent advisors, the services provided by IMOs, and the importance of infrastructure for advisors. They also explore the marketing support and business partnership that IMOs offer to help advisors engage new prospects and expand their businesses. In this conversation, Dennis Mattern discusses various marketing approaches and strategies for financial advisors. He emphasizes the importance of understanding social media preferences and recognizing the different generations. Dennis explains how Creative One helps advisors grow their business through strategy sessions and the development of 30-60-90 day plans. He also highlights the significance of setting realistic expectations and finding marketing tools that align with an advisor's strengths. Dennis discusses the effectiveness of dinner seminars, educational events, and virtual webinars. He concludes by discussing the role of compliance and the importance of authenticity in marketing. Listen now to learn more!   Takeaways IMOs provide support and resources for financial advisors, including marketing, product selection, and case design. Choosing the right IMO is crucial for advisors, and they should ask the right questions to ensure the IMO can meet their needs. IMOs can help advisors engage new prospects and expand their businesses through marketing strategies and advertising support. IMOs serve as a business partner for advisors, offering guidance, expertise, and access to a wide range of insurance products and solutions. Understanding social media preferences and recognizing the different generations can help advisors tailor their marketing strategies. Setting realistic expectations is crucial for both advisors and clients. Different marketing approaches, such as dinner seminars, educational events, and virtual webinars, can be effective in reaching and engaging potential clients. Working with an IMO that has a broker dealer or an RIA can streamline the marketing and compliance process. Authenticity and finding marketing strategies that align with an advisor's strengths are key to success.   Chapters 00:00 Introduction and Background 01:49 Understanding IMO and FMO 03:42 The Role of IMOs in the Financial Industry 05:13 Captive vs. Independent Advisors 06:39 The Importance of Infrastructure for Advisors 08:59 The Evolution of IMOs 12:19 Choosing an IMO and Asking the Right Questions 14:03 Services Provided by IMOs 16:13 The Role of IMOs in Product Selection 22:48 Marketing Support from IMOs 24:01 The Importance of Business Partnership with IMOs 28:46 Engaging New Prospects and Marketing Strategies 31:25 Social Media Preferences 32:09 Recognizing Generation X 32:29 Cutting Through the Noise 33:19 Helping Advisors Grow Their Business 34:10 Setting Up a Strategy Session 34:37 Creating a 30-60-90 Day Plan 35:08 Realistic Expectations 36:17 Marketing Tools and Strategies 37:26 Different Approaches to Marketing 38:43 The Effectiveness of Dinner Seminars 39:23 Educational Events and Seminars 40:07 Virtual Events and Webinars 41:12 Considerations for Marketing Approaches 42:40 Benefits of Classroom Events 43:11 Leading with Value in Education 44:25 Virtual Events and Expanding Footprint 45:50 The Role of Compliance in Marketing 48:11 Consolidation and Differentiation in the Industry 49:25 Setting Realistic Expectations 51:09 The Role of an IMO 51:39 Facilitating the Fulfillment Process 52:09 Setting Up a Flywheel for Bringing in New Clients 55:07 Authenticity in Marketing 56:12 Considerations for Evaluating an IMO 57:11 How to Start Links  The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/    This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Cada martes falo coa Psicóloga e sexóloga Verónica Barros de Barros psicoloxía. Hoxe falamos do Día Mundial da Concienciación sobre o Autismo. "Cando nos falan de autismo pensamos neses casos nos que hai moita interferencia vital". "As diferencias aparecen dende o primeiro momento. Sin embargo, normalmente somos capaces de percibilas cando aparecen unhas demandas sociais maiores.". "Nas mulleres os sintomas non son os mesmos, xa que enmascaran mellor os sintomas sociais. Iso fai que o seu diagnóstico sexa máis complexo". Hai persoas que tiñen un neurodesenrrolo diferente ao “habitual” e que fai que determinados aspectos do seu desenrrolo social ou persoal tamén sexan diferentes. É o que chamamos neurodiversidade. E as persoas que non temos TEA tamén se denominan, dende esta perspectiva, como neurotípicos. E a neurotipicidade non é a normalidade. ⚠️ Cando nos falan de autismo pensamos neses casos nos que hai moita interferencia vital e incluso o asociamos socialmente con casos nos que hai discapacidades. Quizais por iso e tamén por ser mais rigurosos agora xa falamos do espectro autista e non de autismo en si, igual que agora dentro deste espectro atopamos moitos grados diferentes e incluimos tamén por exemplo aos asperger. Polo tanto, é importante considerar que o autismo non existe separado da persoa autista, xa que non é algo que pida ter. Non é unha enfermidade, que requira tratamento. Polo tanto, non é un déficit, senón máis ben un reto para unha forma de pensar e desarrollarse diferente. Si que e certo que hai aspectos comuns, como as particularidades que teñen en canto ao contacto social ou tamén a existencia de intereses restrictivos ou particulares. Si que e certo que cando nos atopamos a nenos ou nenas con TEA xeralmente nos imos a intereses como dinosaurios, coches,… pero en adultos tamén pode tratarse de persoas que teñen un interese brutal pola súa profesión, ou polos ordenadores, ou por un hobbie determinado. E a dificultade na comunicación non ten por que ser especialmente chamativa, senon que moitas veces pode non ser tan visible. Cando nos damos conta? As diferencias aparecen dende o primeiro momento. Sin embargo, normalmente somos capaces de percibilas cando aparecen unhas demandas sociais maiores. Por exemplo, cando xa precisamos comprender ou comunicarnos en maior medida. Imos a percibir, por exemplo, nenos e nenas que non responden aos sorrisos de forma adaptada. Non so porque non respondan en si, tendo todo o tempo cara seria, senon tamén cando respondan de forma diferente ou pouco adaptada. Tamén son nenos que poden non: ✔️ O neno non sinala para coller cousas ✔️ Xoga de maneira extraña ✔️ Fíxase en parte das cousas e non nas cousas en xeral. Por exemplo, fíxase en parte do corpo dos bonecos e non no boneco en xeral. ✔️ Non responde ao seu noma cando o chaman. Nas mulleres os sintomas non son os mesmos, xa que enmascaran mellor os sintomas sociais. Iso fai que o seu diagnóstico sexa máis complexo. E hai casos nos que hai dificultades da linguaxe, porque tardan en falar ou porque falan de forma extraña, e entón favorécese a posibilidade de comezar cunha avaliación e, polo tanto, tamén de detectalo. Sin embargo, outras veces o que sucede e que se vai pasando por alto, xa que o único co que nos atopamos e cunha persoa que quizáis o que teña sexa comentarios inapropiados en determinadas interaccións sociais ou pode que non entenda determinadas bromas que se lle fagan. Moitas veces eles queren encaixar, e intentan relacionarse cos demais, pero non dan. Isto fai que se sintan mal, que sintan frustración, soidade. E en lugar de chegar a consulta por TEA chegan por sintomatoloxía ansiosodepresiva, falta de autoestima, … O diagnóstico entón dase moitas veces Exemplos visibles: ✔️ Rainman. Pechado nun manicomio ✔️ The big band theory. Visión estereotípica ✔️ Pequeño Sheldon ✔️ The good doctor. Moi válido e listo en todas as áreas. ✔️ A cantante Sia ✔️ Einstein Máis información BARROS PSICOLOGÍA: ✔️Barros Psicologia: https://www.barrospsicologia.com/ ✔️Facebook: https://www.facebook.com/veronicabarrospsicologia ✔️Instagram: https://www.instagram.com/barrospsicologia/ ️Se che gustan os contidos "SUSCRÍBETE" ao podcast Máis Información e entrevistas: ✔️Facebook: https://www.facebook.com/PabloChichas ✔️Twitter: https://twitter.com/pablochichas ✔️Instagram: https://www.instagram.com/pablochichas/ ✔️Clubhouse: @pablochichas ✔️Twich: https://www.twitch.tv/pablochichas

Description:   In this episode, Bill interviews Danny, Marketing Director for Apis Productions. Apis is a digital architect for the Insurtech industry, leading the way for numerous innovations and breakthroughs. Apis is responsible for managing Levinson's multiple AI-powered tools, websites, and blogs etc. Danny's role is to assist Agencies and IMOs to leverage the power of technology in the Insurance Industry landscape and provide insight on how to maximize its capabilities. Danny breaks down the essentials for any successful Insurance practice to take their business to the next level. If you are an Agent and you are not using the latest technology, Levinson & Associates offers the tools needed to make this a reality for you and your Insurance business. Biography: Danny McKeever is the Director of Business Development and Marketing for Apis Productions.  Danny specializes in helping clients find their authentic voice and craft messaging that resonates in their market. His experience as a coder/developer, content creator, SEO strategist, and brand marketer helps him see the poetry in the analytics and the forest from the trees. He is in his element when speaking to clients about the exceptional offerings that sets them apart from their competitors and creating on-brand campaigns to expand their market reach. When he is not analyzing website data or working with the Apis team, he can be found singing with his daughter, writing poetry, or hiking to the summit of quiet volcanos in Southern Oregon

In this insightful episode of Insurance Business Babes, Kathe Kline and Joanna Wyckoff tackle the timely and critical issue of what agents can do if their Field Marketing Organization (FMO) is eliminated. They stress the importance of having a backup plan, which includes learning how to manage their own client data using affordable and HIPAA-compliant Customer Relationship Management (CRM) tools like Less Annoying CRM and HubSpot. The hosts discuss the potential challenges of transferring and owning data, the necessity of maintaining direct relationships with lead vendors, and the significant focus on compliance - particularly when using carrier logos and in the recording of calls. Joanna emphasizes the value of her trainings for her downlines and the need for agents to become less reliant on IMOs for technology. They express concerns over the government's stance on the role of agents in the Medicare market, suggesting that there is a possibility agents could be marginalized, and underline the importance of being versatile with technology and being able to use paper applications in challenging situations. Agents are encouraged to own their data and be prepared for changes in the industry, including a shift away from traditional IMO structures.

Summary Andrew Unkefer, an industry legend joins us to talk about the importance of relationships in the industry, the impact of technology, the future of the producer and IMO space, the shift to virtual meetings, consolidation in the industry, the impact of regulation, and the integration of estate planning and financial solutions. Andrew also shares his personal focus and future plans. Takeaways Relationships are still a key aspect of the insurance industry and producers and IMOs that prioritize serving their producers and building partnerships will thrive. The industry is experiencing a shift towards virtual meetings, with some producers successfully initiating relationships and conducting business through platforms like Zoom. Consolidation is happening in the industry, and producers and IMOs need to adapt and concentrate their businesses to remain successful. The integration of estate planning and financial solutions presents a significant opportunity for producers to provide a higher level of benefits and services to their clients. Regulation is an ongoing concern in the industry, but state-level protection can help ensure consumer protection and maintain the integrity of the industry. Chapters 00:00 Introduction and Background 01:22 Starting in the Insurance Industry 03:16 Educating People about Annuities 06:08 The Importance of Technology in the Industry 07:31 The Persistence of Paper Kits and Brochures 08:08 The Future of the Producer and IMO Space 09:05 The Shift to Virtual Meetings 10:42 The Importance of Relationships in the Industry 12:09 Consolidation and Changes in the Industry 13:31 The Impact of Direct-to-Consumer Marketing 15:03 Regulation and the Future of the Industry 20:27 The Integration of Estate Planning and Financial Solutions 25:26 The Magnitude of the Opportunity for Estate Planners 30:35 The Importance of Celebrating Producers 34:09 The Impact of Regulation on the Industry 37:01 Future Plans and Personal Focus

We close out the show in Hour 4 with Steven and Nate talking to Jack Johsnon LIVE from Royals Spring Training in Surprise, AZ.  Then our man Lucas from IMOs Pizza stops by for a Pizza drop and let everyone know some big specials going on at their locations in town.See omnystudio.com/listener for privacy information.

Bryan O'Hara speaks about wholistic reasons for seed production on his vegetable farm, including working with natural processes such as growing winter annual crops for seed from summer to summer for better pest control and better flavor. He also discusses hybrid vigor and how to achieve this with genetically diverse populations of open pollinated plants, and explains how he selects for winter hardiness, more or less uniformity, earliness, flavor, and so on. In line with our theme of ancestral seeds, he talks about being both Polish and Irish and some connections to his farming practices through plants and ways of being and seeing. We end the episode with a traditional Irish song, Moorlough Shore, featuring Bryan on guitar, his daughter Clara O'Hara on vocals and flute, her boyfriend Sparrow Belliveau on Piano, and his brother Raven Belliveau on lead and backing violin.  Bryan O'Hara and Anita Johnson have been growing vegetables at their three acre farm for over 30 years. Tobacco Road Farm produces high quality, nutrient-dense food using no pesticides and working with nature as much as possible in a close relationship. With an intensive focus on building the health of the soil, they use no-till natural farming methods. They also introduce indigenous microorganisms (IMOs) from the surrounding forest into their compost systems and foliar sprays to feed, protect, and invigorate their field soil and vegetable crops. Bryan is also the author of No-Till Intensive Vegetable Culture: Pesticide-Free Methods for Restoring Soil and Growing Nutrient-Rich, High-Yielding Crops. Tobacco Road Farm provides ten carefully selected open-pollinated seed varieties for the Truelove Seeds catalog, which are listed below:   SEEDS GROWN BY TOBACCO ROAD FARM FOR TRUELOVE SEEDS: Ice-Bred Arugula Tokyo Bekana Wonnegold Turnip Polish Watermelon Mizuna Landrace Big Pink Tomato (not in episode) Vit Mache Presto Cress Vertissimo Chervil (not in episode) Claytonia   MORE INFO FROM THIS EPISODE: Tobacco Road Farm at Truelove Seeds No-Till Vegetable Intensive Culture from Chelsea Green Publishing Several No-Till Growers Network podcast episodes featuring Bryan O'Hara ABOUT: Seeds And Their People is a radio show where we feature seed stories told by the people who truly love them. Hosted by Owen Taylor of Truelove Seeds and Chris Bolden-Newsome of Sankofa Community Farm at Bartram's Garden. trueloveseeds.com/blogs/satpradio   FIND OWEN HERE: Truelove Seeds Facebook  |  Instagram  |  Twitter   FIND CHRIS HERE: Sankofa Community Farm at Bartram's Garden   THANKS TO: Bryan O'Hara and Anita Johnson Clara O'Hara, Sparrow Belliveau, and Raven Belliveau Ruth Kaaserer

Summary In this episode of That Annuity Show, Bobby Samuelson, President of Life Innovators, discusses the current state of the annuity market and the challenges and opportunities it presents. He highlights the entry of new companies into the market and the different strategies they employ. Bobby also discusses the role of proprietary indices in annuities and the need for innovation in product development. He emphasizes the importance of technology in enabling advisors to tell the annuity story more effectively. Overall, Bobby provides insights into the changing dynamics of the annuity market and the evolving expectations of customers. Takeaways New companies are entering the annuity market, with many focusing on multi-year guarantee annuities (MYGAs) as an entry point. The annuity market is highly competitive, and companies need to differentiate themselves through innovation in product development. Proprietary indices have played a significant role in the annuity market, but there is a need for more innovation and a focus on the underlying product structure. The annuity market faces challenges in attracting and retaining customers, and companies need to adapt to changing customer expectations and preferences. Technology can play a crucial role in enabling advisors to sell annuities more effectively and reach new markets. Chapters 00:00 Introduction and Focus of Bobby Samuelson 03:45 New Entrants in the Annuity Market 07:43 Competition and Innovation in the Annuity Market 13:42 The Role of Proprietary Indices in Annuities 20:31 Challenges and Opportunities in the Annuity Market 27:12 Changing Customer Expectations in the Annuity Market 30:44 The Role of Technology in the Annuity Market 35:37 Conclusion and Closing Remarks Paul Tyler (00:03.644) Hi, this is Paul Tyler and welcome to another episode of That Annuity Show. Tisa, good to see you. Tisa Rabun-Marshall (00:09.89) Good to see you, Paul. Good morning, everyone. Paul Tyler (00:11.708) Yeah, we're having a lot of fun at work these days.  Paul Tyler (00:29.411) Ramsey Atlanta is like, I don't want to know. I'm not sure I want to know what Atlanta is like. Ramsey Smith (00:32.292) It's sunny. It's chilly, but it is bright sunny day. Can't complain. Paul Tyler (00:36.464) Okay. All right. Bobby, hey, listen, first of all, thanks for coming back. It's always good, you know, when guests, we have guests on once and they say yes to coming back. It's been a couple years, but we are lucky and fortunate to have Bobby Samuelson, President of Life Innovators, on our show. And Bobby, hey, just tell, it brings up the speed, you know, tell us, you know, what's your focus these days? Bobby (00:36.797) Same in Charlotte. Bobby (00:50.781) See you back. Bobby (01:02.789) Yeah, sure. So I've been doing, um, obviously worked at midlife Bright House for a few years. Less than 2017 started up a newsletter that I actually had done prior to going to Bright House. So I still do that called the life product review. That's, you know, three to 4,000 words every week on what's going on in the life insurance side of the world. Um, and then we also started up an annuity product development company. And so basically we serve as an outsourced chief product officer to small and midsize insurance companies. And so a lot of these newer entrants getting into the space. can't hire product talent, can't find product talent. And so they use us as their chief product officer effectively. And then we've also picked up, I'd say a few kind of insurance companies that are either doing other types of products and want to get into annuities or maybe are already doing annuities, but haven't done for example, an FIA or a RYLA or even a VA and they hire us to help them build those products. And then along the way with that, we kind of realized that wait a second, we're doing, you know the life product review, can we do something? on kind of what's going on in the competitive landscape on the annuity side of the world. And so we started a newsletter called the annuity edge. And that is basically a weekly digest of, you know, everything going on in the competitive side of the annuity world. And so we, we scan, we look at all the filings that come through the States and the compact, we look at all the stuff that comes through competitive scan. We look at stuff that comes through, you know, the various rate providers, plus the conversations we have with carriers. And we basically write all that up and sort of a, a narrative kind of format to try to tell the story of. What's going on every week in annuities. And, you know, look, we've had, we've had plenty to write about. Like there's tons of stuff having, it feels like every week there's something going on. New products, significant rate changes. We usually do like a market update every week because the rates have been changing so much. We also run every week a weekly index spotlight. So we go on and take, you know, there's 180, uh, engineered indexes. That's what we call them engineered indexes in the market. We take one every week and sort of dissect it. Talk about. why it worked well over a certain period of time, why it probably didn't work well in 2022, how it looks like the index is calibrated kind of going forward, and try to again, kind of tell the story. And so in our view, there's so many places in annuities where you can get rates, and there's places where you can get, you know, flyers, and there's places where you can get kind of raw materials, but our job is to craft all that into a story so that people can sort of digest it. And so we got six people on the Life Innovators team, we all kind of chip in different. Bobby (03:22.221) sections of the annuity edge. So I'd say most of what we've been working on these days, besides just product development, it's just cranking out that annuity edge, two or 3000 words every week on what's going on in the, in the, in the annuity market. And it's been, like I said, no shortage of things to write about. In fact, Nassau is going to be featured in next week's edition. The new income writer you guys released. Yes, we were just ripping it apart yesterday and we're going to write a little bit. So I'll probably, I'll send you a little draft before you, before we release that. So. Paul Tyler (03:45.44) Good. Paul Tyler (03:49.672) Oh, oh, tremendous. Well, yeah, first of all, thank you. And we, you know, we talk a little bit about the launch and kind of where this is headed. I'll lead off because wow, are there a lot of threads to pull in what you just talked about, but let's sort of talk about MyGa's new entrance. Like if I just stuck there, you know, and kind of look back at 2023. Man, do we have a lot of new entrants coming in here. I think, no, I think my guess, and it's not just about my guess, I think this was an easy entry point for new companies. You think we're going to see new names, a lot of new names this year, or will we see those new names now expanding into the FIA space? Bobby (04:15.31) Oh yeah. Bobby (04:31.973) Yeah, both. Um, you know, when we talk to companies that are not in our business, that are looking to get in our business, I'd say there's, you know, two or three different playbooks that they're all kind of executing on. Some of them are, are more asset oriented. Some are more operational oriented. They actually really want to run an insurance company. They like the insurance company economics, which, which makes sense to others are more liability oriented, they're trying to figure out, okay, if I take these assets on, for example, you know, longevity, mortality, morbidity, sort of the health. metrics side of the world, or even interest rate risk. Um, maybe they think they can do better with it. And so every, every new entrance has sort of a different angle on, on what they want to do in the insurance space. But for most of these companies, MYGAs is sort of seen as the natural entry point. And it's just such a commoditized market. If you come in with a hot rate, no one's going to, you know, people don't need to have like a 30 year relationship with an insurance company to sell a MYGAs product. You can kind of get in, sell a MYGAs, um, you know, call it a day. And so I think that's, that's. Ramsey Smith (05:26.348) Hmm. Bobby (05:30.481) the appeal of the market. I think it's also the danger of the market because it is so commoditized. So some of these companies have a hot rate and then all of a sudden it can flip to the other direction. And they end up kind of feeling the case usurped by other companies that get in the space. And so every company doesn't say most companies don't view my guy as their permanent strategy. They view it to your point as sort of like, get in, get the new business operations and tech kind of get the skids greased on that. And then once we get the get, get our Business sorted out, then we can start to pivot over to the real prize, which is, which is FIA and there's a variety of reasons why companies view that as the real prize. Uh, that pivot is really, really hard. So the joke that I make to insurance companies when they ask me about sort of how long do we need to wait until we go sell FIA, I said, well, listen, let me give you an example. So I can go out to this track in the school across the street from my house and I can, and I can run a 400. Okay. And you can run a 402. Okay. Neither of us are going to be in the Olympics. So even though we're doing the same activity as Olympians, we're not doing it to the same degree. So if you want to make the jump from my get an FAA, that's like you go into the track, my gets going to the track and running a pretty quick lab, selling up, you know, $8 billion a year of FIA is like being in the Olympics. And so every company comes in and says, Oh, well, we'll just going to do some my, and then we're going to sell a billion dollars of FAA. And it's like, yeah, that's like literally me going to the track and then trying out for the Olympics. Like that is a much harder, longer process. You know, then people think, so I think there is a little bit of realism now in the market on how hard it is to make that pivot from my God to FIA. That being said, when we get calls every week or an hour week, every month from some company that's either not in this business or it's kind of parallel ancillary to this business, looking to get into the space, buying a shell company, you know, buying one of the many companies that are on the block right now. And so I do think we will see more entrance getting in. Um, and I think that's generally a good thing. I mean, annuities are. Effectively a financial product. So more companies in more competitive rates, more competitive environments, probably pretty good for customers. Is it going to be great for all these companies and their own economics? That's to some degree a separate question. Like I think, I think the jury is still out on whether or not it's this playbook can be repeated over and over and over again, but, but there are plenty of companies out there trying to give it a shot and I think, I don't think that's going to change anytime soon. Ramsey Smith (07:43.616) So let me ask you this, and I've had the similar observation. I mean, my view is that the annuity market, MYGAs and FIAs, it's a pretty established market. It's very competitive. Leadership in the market sort of rotates as different companies decide they really wanna focus on it. So in some ways, it's a vibrant market, especially in the last couple of years, but it's, I guess, in sort of blue ocean, red ocean terms. Bobby (08:13.281) Yeah, it's red. Yeah. Ramsey Smith (08:13.32) Right? It's a place where there's already a lot of people. Yeah, it's very red. So I've been surprised as I talked to sort of aspirational players, I've been surprised at how many of them want to jump into this space. And I'm just wondering why you think that is, why they aren't looking for greener pastures. Bobby (08:33.957) think there's an established playbook, honestly set down by a theme that this can work. And by the way, I think NASAL is becoming another kind of proof point of if you stick with it long enough and you kind of are consistent enough, you can build a real franchise, you know, in this space, even though to your point, Ramsey, it's total red ocean. And so what I hear a lot of times, and this is kind of a joke, but it's not really a joke, is every time we talk to one of these guys and maybe you have the same experience. Ramsey Smith (08:44.405) Yeah. Bobby (09:00.945) They all say, well, yeah, but we do a great job managing assets. We're kind of better than everybody else and we've got some special stuff. And so there is, I think there's also a little bit of this. Maybe you call it arrogance, maybe call it optimism. Maybe you call it, you know, realist them that they've had a great track record. Some of these, especially as asset managers come in and sort of say, yeah, but we've got the secret sauce and our secret sauce works really well with, you know, annuity liability, uh, structures. And so, you know, we've got the raw materials and what we really need to do is just kind of package it up and cook the meal. And then everybody, all the diners are going to love it. And I think, and so I think everybody kind of has a view that they've got some sort of special ingredient that they're going to sprinkle into the, to the meal to make it work, but to your point, I mean, it's very much red ocean and that's why we, I try to communicate that to all of our prospective clients that this is really, really hard. And a lot of times I feel like I'm kind of the guy raining on everybody's parade in this conversation because everyone gets excited about the opportunity to be the next to theme. And my point is, yeah, but a theme was here 10 years before you were, and the world looked completely different back then replicating that playbook is going to take another 10 years. And so don't expect to show up and have success overnight. And by the way, you say you have special sauce. Everyone I talked to says they have special sauce. If they didn't think they had special sauce, they wouldn't be buying a life insurance company and trying to get into the space, because to your point, it is heavily commoditized. Ramsey Smith (10:13.862) Mm. Bobby (10:19.497) Over time, we'll find out who really has the right playbook. And by the way, I think it's a lot more than what most of these asset managers and private equity firms think they think we've got great raw materials, we're going to cook a great meal. Well, in order to do that, you've got to have a great chef. And what that means, and you know, Paul, from your vantage point is you got to have great distribution relationships. You've got to have compelling product. You've got to have a great marketing story. You've got to have great systems and processes. Your new business needs to be flawless. Your agent portal needs to be good. Your client portal needs to be good. There's branding. corporate story ratings. Like when you really think about it, yes, ingredients are a big piece of the puzzle, but the actual construction of the meal is where a lot of these firms, I think, kind of miss the importance of that. And so they come in thinking, well, I've got great raw ingredients. I'm going to be, even though it's Red Ocean, I'll make it work. Not realizing I've got to assemble a team to make this work. And that's where I think the jury's still out on some of these firms is do they have the staying power so that over the next 10 years, they'll figure out how to really come in. Kind of build that persistent business. Some will and some won't. And by the way, I mean, we've seen some fantastic examples of where this has worked recently. Like I would throw a speed out there. A speed is a great example of a company that kind of came out of nowhere and has built a brand and has fantastic processes, like they're sticking around very clearly. Um, I'd say, you know, I've Dex this is sort of showing signs of that too. Other firms are much more transactional and those are different paths, right? Those are different. They're making different choices. Paul Tyler (11:22.761) Yeah. Bobby (11:44.061) I think we're going to see that again, play out over the next few years and how that, how that stuff works out. Paul Tyler (11:49.784) Yeah, I've heard really good things about the speed of what Lew's doing there. I think it's a real interesting company. I think I saw it in some of our stats. I think they did like two billion dollars of sales or something last year. It's impressive. Yeah, Bobby, thanks for the high praise. It's hard. This business is a... It's a hard business. Now, I've had the opportunity to do this twice. Once with F&G when we rebrand, bought it from Old Mutual, took it to a certain point. team there has done a spectacular job taking it to the next level. Got the opportunity with TISA to do it a second time. And I think to your point, where are you starting from and when are you starting from it? Right? Like the starting point with F&G, you know, in 2011 was very different than, you know, Phoenix in 2016. And the market's changed, right? The distribution environment has changed. The product has changed a lot. Bobby (12:21.201) Yeah, they have. Paul Tyler (12:48.156) I do think the one thing that, you know, what remains constant, that's always a good opportunity, is to your point, it's persistence and consistency is incredibly valuable in this marketplace. Big splash, high rates, yeah. So, if we shift gears to product, maybe for a few minutes, you mentioned your focus on proprietary indices are a lot. We have a lot. We have quite a few in Bobby (13:00.217) Yep. Yeah, I completely agree. Paul Tyler (13:18.108) I would say the bloom came off the rose in the pandemic when we saw incredibly high volatility and then we started to see high rates, which allowed companies, yes, on the MYGAs side to offer high rates, but then also on the FII side, all of a sudden we could offer much higher participation rates on conventional indices like the S&P 500. Where are we headed this year? Bobby (13:42.349) Yeah, we, uh, we, as a firm draw a distinction between product development and index development. And those are two totally different things. Um, and so we, as a firm don't do much in the index space. We, we write about them. We watch them, but when our clients say, Hey, what indexes do you guys like? We go, we don't, whoa, whoa. That's not our business. You can put any index you want to into your FIA. And if you pick one that is optimized for back tests and is not going to work well in the future, that's. Kind of on you, right? We're not, we're not. So, so I think from our point of view, we're trying to be more agnostic. Unfortunately, I think a lot of people were not agnostic. I think there was a big story coming in really 2015 and kind of beyond, maybe even going back to 2012, this, this narrative that these indexes were going to completely change the economics of the product, illustrations, you know, kind of seemed to back that up when you got FIAs illustrating the top FIA right now illustrates at 33%. So when you think about a, a principal protected non-registered product, yes, that's real Ramsey. non-registered product illustrating at 33% returns. That is telling, we are very far away at that point from the traditional FIA story of downside protection, upside potential fixed income alternative. We have now stretched somewhere deep into this idea that FIA can be an equity replacement with no risk. And I think the FIA world effectively levered up on that concept. because of the illustration regulations and because of all the money to be made in those indexes and because advisors were looking for a new story to tell. There was a lot of reason. It wasn't just one cause where all these calls kind of lined up. And of course the banks and asset managers are more than happy to, to supply what is effectively an infinite number of indexes into the market. I mean, the joke I always make on stage is we've got 180 there in FIA and IUL products, what is the possible number of indexes that could be made? And the answer is what's infinite. You can create an infinite number of indexes. And so this is just a very small subset. The subset, by the way, that illustrates well and the back test well, and that, and that carriers felt like had a good enough story to put in there, put in their products. So I think, I think we as an industry levered up really hard on that. Um, and it worked great in a low rate environment because you could show the high par rates, even though people didn't realize, yeah, you get a higher par rate on an index that has very low intrinsic equity participation. And so the effective result is actually very similar to if you just got a true par rate on the S and P, but it was sort of gussied up and other, you know, the fixed income sleeve was adding some. Bobby (16:06.565) some alpha on the illustration. Like you kind of, your Sharpe ratio looks really high on these things. So anyway, we levered up on that. Yeah. 2020 was an issue for sure, but most indexes were actually positive in 2020. So at least, at least they sort of showed, okay, not compared to the West, where the S and P was, but they sort of showed, okay, 2022 to me was the year where everything sort of fell apart because all these indexes, most of them had pushed into long duration, fixed income that got crushed and then the equity component crap got crushed, you know, 21 comes around S and P has an amazing year. I'm sorry. Tisa Rabun-Marshall (16:17.422) Thank you. Bobby (16:35.729) 2023 comes around, S&P has an amazing year, but these indexes lag. Why is that? Well, because the way that it happened was you had a few stocks in the S&P that drove the return and a lot of these indexes were either multi-asset indexes or calibrated towards low volatility or maybe even equal market cap weighted exposure to equities, but that didn't work in 23. And, and at the same time we had rates going up for most of the year and most of them were allocated there and so they get crushed and so to me, 23, 23 is actually the year of like disillusionment. 2022 is everything went down and so did these indexes. Oh, well, 2023 is like. Wait a second. You know, we were supposed to have a great year this year and we didn't. Why, why did that happen? So what I've seen this year is all the, all the banks and as a managers have been coming out with kind of next generation concepts that don't use long duration fixed income and have higher volatility targets or use volatility overlays for their, I mean, sorry, use the duration overlays for the fixed income sleep. Like they're trying to sort of, or they just get out of fixed income all together and just use cash. They're trying to sort of say, it's sort of like when my kids don't apologize, even though they're effectively apologizing. Okay. So it's like an effective apology of saying, we're sorry for all this stuff we gave you in the past, we're going to fix it in the future with this new variant, solving the problem of 2023 or 2022, you know, for 2024 and beyond. Okay. Well, that just means there's gonna be new problems that these new indexes aren't contemplating that will show up in the future. And so from a product standpoint, you know, if you were to say what, you know, what was innovative over the last 10 years, so much of it revolved around those indexes. And That I think what we're seeing is that was not innovation that was reshuffling and creating new trade-offs that now are showing their teeth. And people are going to your point, Paul, like, well, why don't I just go back to the simple stuff like SMP 500 or like you guys have a NASDAQ sleeve, like why not just go back to a NASDAQ. Let's go back to the basics. And what's interesting is for a lot of the new indexes that we track, a lot of those indexes are going back to simpler structures. I was looking at one yesterday that. The old version of it used to be sort of a long duration fixed income equity allocation. Now it's just pure equities and cash. So effectively all it is just a par rate on the S and P 500 stylized as an excess return index with a decrement on it as something different. Well, all that is, it's just exposure to the S and P with potentially a slightly more stable, you know, par rates. And so anyway, that being said, like. Ramsey Smith (18:40.512) Mm-hmm. Bobby (18:53.573) I think that's not innovation. I think where we need to go as an industry is, okay, what does the chassis of the future look like? And I think that's where it's really, really hard. So one of the things we tell customers, our name is Life Innovators. Theoretically, that means we should do innovative stuff. We have built some really innovative products. They have had trouble selling in the market because at the end of the day, most people who sell annuities just want to drop a ticket and move on. They don't want to explain, they don't want to learn something new, they don't want to go figure out a new story, they just want to do what they've been doing and drop the ticket and move on. So I think... Part of the reason indexes were so attractive as an innovation substitute was it didn't require the advisors to change their story at all. But real innovation requires a little bit of work. And so I think where's the blue ocean kind of back to your comment, Ramsey, like it is an innovative products, but the challenge in our business is agents and IMOs don't want innovative products. They say they do, but they're actually don't because it messes with the system and the system works really well. And so. You know, like give me innovation on the very fine little edges. Give me innovation that makes it illustrate better. Give me innovation that pays me more comp, but don't give me innovation that actually forces me to change my story and educate advisors because that takes time, energy and effort, and I'd rather just keep dropping tickets and move on. And I think that's a little bit of the challenge here is like the blue ocean's hard to get because everybody's making so much money in the red ocean and they don't really want to go shift over to the new stuff. So that's a little bit of where I think we're at a break point is like we, the world has changed. Our products need to change too. That is not just index development, it's product development. And yet that's the hardest thing, frankly, this industry has to do. And it takes a long time for that to work. Ramsey Smith (20:31.784) Yeah, you know, I think that, sorry, Tisa, let me just, I wanna, I'll come back. But this, in my view, this ultimately mirrors some of the same things you see in the mutual fund industry, right? Like, you know, active versus passive, versus passive funds, thematic funds. At the end of the day, like, the storytelling part of it is just part of the ethos of... Tisa Rabun-Marshall (20:32.063) Yep. Tisa Rabun-Marshall (20:36.462) Sure. Ramsey Smith (20:58.844) of personal finance, I would argue even institutional at times, certainly personal finance. And so I think that, I think it's not unique to this industry. I think you see it sort of, you know, across the board. I would ask, you know, so what do some of these, what do some of these chassis of the future look like? So what is it that, what are some of the things you suggested that you think are a better solution but are a little bit early because people need to... Because the people that sell them need to better understand how they work. Bobby (21:30.277) Yeah, great question. And by the way, I completely agree. I love the active versus passive analogy for engineered indexes versus like the S and P 500. And I actually make the joke that these engineered indexes aren't even active. They're algorithmic, right? You set them up and then you're hands off. So at least with an active manager, they can change their strategy along the way, as long as they stay within the fund mandate, but these indexes, like you set it up in 2011 or 2012, you can't go in and change the index rules. You got to create a new version of it, but you can't go in and like, Ramsey Smith (21:39.132) Yeah. Bobby (22:00.005) So it's sort of, it's almost like a different category, but I totally agree. It's it's we've got ebbs and flows on that product chassis, you know, they're tricky because we have these defined categories in the industry. So let me give you one that I think is kind of interesting that we've seen more of, uh, this sort of idea that you can do is across between a my go and an FIA. And this idea of like a, we, we haven't got a good analogy on this. Everyone's calling a mafia, right? Like a multi-year FIA, multi-year guarantee FIA, make FIA. No one knows what to call it. Ramsey Smith (22:06.613) Yeah. Ramsey Smith (22:27.649) Alright. Bobby (22:28.297) But if you think about it, it's a logical concept. So for example, what is a my go? My go is a marketing term for a fixed deferred annuity with guarantee option periods. Okay, well, what do you call an FIA product that has, for example, a five year or seven year or even a 10 year guarantee on the cap level? That's a my go. It's a multi-year guarantee annuity. We're just guaranteeing the cap. We're not guaranteeing a return, we're guaranteeing the cap. So that's an interesting concept. You can't do that when interest rates are super low, the yield isn't there for it. With. Tisa Rabun-Marshall (22:28.462) Thanks for watching! Ramsey Smith (22:48.748) Hmm. Bobby (22:56.133) The current environment, you can get away with that. We see more and more companies doing things like that or combining sort of base guarantees with some sort of guaranteed index exposure on top. American Life has done this, Ibexas has done this. We feel the companies out there that have kind of done this. That's a category that sort of fits between. On the variable side, think about like a contingent deferred annuity. CDAs have been the next big thing for years. And there's all the logic in the world for why CDAs make sense, right? You can have separately managed accounts when you can layer a guarantee on top of it. Like if you describe that to an RAA, they would all say, I'd rather have a CDA than to talk about variable annuities. And yet CDAs never go anywhere because it's a change in process. There are some new rules built around it. Like, and people don't ultimately want to make the, yes, you're going to say something. Ramsey Smith (23:43.268) Oh, well, I'm going to say that that's a battle over who owns the assets. Right. So if it's a, if it's a CDA, then the RRA keeps the assets. If, if it's not a CDA, then the carrier has the assets and, you know, just. Yeah. So this chair has company does. And so, and, and my, you know, my only, I like conceptually, I like the CDA, but from a risk management perspective, I mean, you're, you're selling, you're just selling pure tail risk. Right. And, and, and so. Bobby (23:47.288) Yeah. Bobby (23:53.921) Insurance company, yeah, totally agree. Ramsey Smith (24:12.454) I like it less from a risk management perspective. Just my two cents. Bobby (24:14.777) It's, you know, it's interesting. We have a client who's done, yeah, we've done clients who've done CDA or has done a CDA and I say, if you do it right, the pricing actually looks a lot like a VA. It's not, it's not, it's not as much of a crop. There's not as much of just tail as you think, cause you can actually set up some structures on the, on the fund. Um, and, and also if he has a lot of cross-pollination between like the M&E, the fund expenses and the rider fee, whereas you have to be very explicit with that on the CDA. But to your point, it's a different structure. It's a different owner. It's kind of a different ownership mentality. Ramsey Smith (24:28.529) Yeah. Ramsey Smith (24:37.347) Yeah. Bobby (24:42.673) So I say that's one, you know, RYLA versus VA, we're seeing blurred lines there too, like equitable, huge in the RYLA space, where they are now adding RYLA funds to some of their traditional VA contracts. Like, again, why do we have a separate category for RYLA? Really all that is just a subset of variable annuities. So those are the sorts of things there. And then on the income side, you've got all these ideas of like, how do you get work-side income type products? How do you get sort of the built-in defined income features inside of group plans? Like... That whole world is trying to get traction. There's all sorts of issues there. I'll give you one that's personal for me. We built an FIA product that effectively has a lot of the characteristics of a RYLA, but it's a non-registered product. And so it's an FIA that allows you to have downside exposure without piercing principle. We call it a FYLA, right? It's kind of a joke, because it's not really a category either, but it's somewhere between an FIA and a RYLA. There's no trade-offs. Paul Tyler (25:33.088) Hmm. Bobby (25:37.893) So if you're a producer and you want to sell, you know, 0% floors, just like a normal FIA, you can do it. If you want to have negative floors, you can have access. So it's a technological advancement in that it gives you all the features and benefits of an FIA with some of the features and benefits of a RYLA with no trade-offs. And yet people are choking on the fact that it's just a little bit slightly different than a normal FIA product. And it's like, Yes, but it gives you this ability to have these annual reviews with clients where you can talk about risk appetite and you can allow, you know, clients who've had great gains can put some of that at risk, get way more upside and allows you to look more and more like equities over time. Like it opens up this incredible conversation from a planning standpoint customers and in terms of real returns, we have two academic papers showing that these outperform FIAs all day every day because of the larger risk exposure does not matter. Agents who get it love it. Most agents are like it, this, this is a little bit different. Ramsey Smith (26:11.052) Mm-hmm. Bobby (26:33.853) And I'm a busy over here selling like my normal FIA with this, you know, index that I like talking about. And so like, don't, don't bother me with any different. I'm, I'm busy. I'm happy to do what I'm doing. And that's, I think the challenge in this space is there are clear. Chassis improvements we can make. Um, and again, I even argue this NASL income writer you guys came out with. It allows us sort of higher upfront with a lesson to tail. Like that's a chassis improvement. North American control X chassis improvement allows multiple income streams all at once. Whether advisors care about it is completely a separate question. And whether they're going to take time to learn about it. Again, completely separate question. Tisa Rabun-Marshall (27:12.534) Thanks, Bobby. I want to go back. So let me just say, I like this restaurant analogy that you were playing with, special sauce and the meals and all of that. So I kind of want to go back to that a little bit where you're talking about new entrants into the market and why they were coming in and what they think they can offer. There's no special sauce. We're innovatish who are not really innovating. And talk a little bit about the customer. So I'm going to call the customer the diner, right? And can you talk a little bit about what you're seeing changing there? We've talked about what's constant and what's maybe not changing, but I'm curious what you've seen, maybe what you're advising your clients on. If it's not going to be product-based, what are their expectations? Are they looking for the line cook to become the personal chef? Where are you seeing this shift in what the diners, the customers, investors are looking for from these carriers outside of product? Bobby (28:04.205) Yeah, great, great question. Um, great question. So, so who is the customer? I think is always the operative question here. And I'd love to say that people buying the annuities of the customers, but y'all know that's not the case, right? The customers are the advisors who are selling this stuff. And then, and then in a lot of ways, kind of, and especially in our world, right? The IMO channel, it's, it's the upline on what's the IMO and, and they're the ones who are really kind of consuming, if you will, the meals we're creating. And I want to be clear too, I'm a believer in product innovation. And I do think that's a piece of the puzzle, but it's, it's the way you build long-term market share, not short-term market share. So, so I think there is always and always must be an innovative product angle to what you're doing, not because you're going to sell a lot of it out of the gate, but because over the next 10 years, Paul, to your point on persistency and consistency in the business and stickiness, that's how you build long-term stickiness, but you can't, you can't expect mass adoption, you know, on, on day one. So what do they, what do they want? What they, what I think they want. So increasingly it's changing a little bit. What I think they want is they want simple processes. Like we, as speed is just a great example of this. They have a fantastic new business process and their advisors who just love doing. Working with the speed of because of the process. And so I think, I think simplification of the process is part of it. Um, I think it's a big piece of it. I think, I think a corporate story matters too. Tisa Rabun-Marshall (29:20.203) easily. Bobby (29:26.181) You know, feeling like they're connected to the company, feeling like there are people there that they like, like this is a thing today, a relationship business that matters and that counts for a lot. Um, and then I think they are looking for stories to tell in terms of product to fill niches that they may not fill. Today are kind of around the edges. Um, but look, that's not, that leaves a lot of open turf that I think is grabbed by the incumbents. And so that's why, even though yes, the top five are always trading share, the top five are pretty stable. Tisa Rabun-Marshall (29:32.59) Thank you. Bobby (29:56.633) Right. In the FIA world, it's, it's kind of a theme, Allianz American equity. Like, you know, those companies stay up there kind of for a re Sam and like, they stay up there for a reason, which is they've already got the mind share on all the, like all the main dishes are covered. We're, we're dabbling in the appetizers, the desserts and the cocktails, but, but they're sort of cooking the main dishes. And I think that's a little bit of where, you know, for a lot of companies, they kind of realize where they are in the meal. Um, and recognizing that going in and trying to say, like, don't sell Allianz is, is very, very difficult. versus having something that tells a nice story for the customers where Allianz is not a fit. And that's where I think most of these companies were kind of trying to say, okay, how do I work kind of work around some of this stuff? Yeah, competing heads up against Allianz and Athene is just exceedingly difficult, especially Athene these days, it's almost impossible, frankly. Tisa Rabun-Marshall (30:31.523) Thank you. Yeah, around that. Paul Tyler (30:44.004) Yeah. Well, Bobby, I know we're kind of close to the top of the time. We will not do this topic justice, but technology. And first of all, thank you so much for coming out to our Retar Tech event, April 8th through 10th in Las Vegas. This will be great. Great to see you in person and have you on our panel talking more about this. So people listening want to hear more about it, come out to Las Vegas, join us in person. We'll do a couple of shows out there live as well. We'll have to get people involved. So you mentioned process with Aspida. Now, where does technology fit in this process? Now, I'm not going to go deep into our product because I also want to make it easy for our compliance department, not to have to review this stuff, but we're doing something different. You kind of said that. Now, how do you get agents to do something different, make it real easy? I would say we've got a three-prong strategy here on the tech side. So we've got an interesting partnership with Life Yield. He's been sort of managing this where You've got an advisor who's more of a financial planner. We've got a tool where our product kind of plugs right in. You know, Sheryl Moore saw it. She really liked it. The other end, we've got these retirement checks. Like I can email you a check to Bobby Samuelson, show you viscerally, here are two checks you'll get. Higher amount on this date, lower amount on this date. And we've got something in the middle, which is a generative AI platform. Ties and I are having just a fun time working it through our risk management department, but... which will help you look, you're going to do a lot of emails and content. How do you position this and super easily sell a product? Where do you see tech fitting here? You know, for again, our looking, I'm going to look at our customers as agents for this conversation. Bobby (32:25.949) Yeah, yeah, yeah. I mean, what you just described are ways to help them tell the story more efficiently and more effectively. And I think that's a big piece of it. I think for a lot of companies though, it's just literally not screwing up the application process. Like, don't ever complicate it. It's having good EAP, it's having good reporting, it's having a way for them to go check in on a case status, it's having a way for them to see what's going on with the 1035 exchange. It's a lot of blocking and tackling, and that's where I think a lot of companies kind of. Like you got to get that stuff right first before you can do all the things you guys are talking about. Um, but that being said, yeah, I do. I am a big believer that tech is a part of the enablement process here. On the flip side of that, a lot of these agents are 55, 60 years old. Their clients are 55, 60, 65 years old. Like tech, you know, you gotta, you gotta kind of do tech on their terms. And I think that's a little bit of the dance here is like, how do you create tech that is attracted to them and that they can get their arms around without over, overburdening them to some degree. Um, With some of this stuff, what gets me excited too, is thinking about new markets for our products. And I see this on the annuity side and the life side too, like how does tech get you to new markets? And I think that's the part of the industry is just now starting to kind of figure, figure out. Um, and it is not traditional advisors. It's, it's younger advisors. And look, younger advisors do business differently than older advisors. When I talk to younger advisors, most of them have, you know, virtual practices that unimaginable to advisors that are 60 plus years old. to think about that back when they were in their thirties. And so there's just a very different feel for younger advisors. And I don't think most of those advisors are working with on the annuity side, annuity customers yet, right? Like if you're 35 years of working with people your own age, there's some exceptions to that. That's where we see, so on the life side, I see a lot more of this sort of tech sort of integration and enablement going on because it's younger customer, younger advisor that's coming for annuities. It's just going to be a few years out. And I think. The investments you guys are making and other companies are making is laying the groundwork for that going forward. I mean, if we pin our hopes on independence, insurance only agents, selling annuities forever, that is a kind of in the old school way, that is a shrinking market. It'll always be there, but it's a shrinking market. These are great products. These do fantastic things for families and for people. We need to get the story out. We can't be wedded to distribution that works a certain way. We've got to broaden that. I think. Bobby (34:45.285) You can't do that without thinking about tech enablement. Um, and so that does get me excited as a product guy. It's not really in my wheelhouse as much, but it does spur some interesting questions about, okay, if we know innovation kind of hits the wall, sometimes with traditional advisors. If you switch to more tech enabled, can you do things in product that used to be kind of unimaginable, but we'll work in these new environments. And I've got a couple of clients where that's exactly the market strategy is use tech with different products that would not fly in the normal space. Ramsey Smith (34:53.812) Hmm. Bobby (35:12.601) But will fly when you kind of go after new distribution, new customers, new advisors, new technology, and you can tell that story effectively. And we're seeing that, yeah, that works. Like they don't come in with preconceived notions. And when they come in without the preconceived notions, they're willing to hear new ideas and tell those new stories. And it's, it's very cool to see that kind of stick with some of these folks in a way that would not happen with traditional advisors. Paul Tyler (35:37.904) Bobby, this was tremendous. Hey, listen, we're at time. Thanks so much for coming. Ramsey, thank you. Tisa, Tisa. And I think we lost Bruno, unfortunately. I think the internet just did not cooperate with us. Blame it on the snow and the cold here. So we'll get him back next time. But hey, thanks so much. Hey, listen, and if you like this show, share it with your friends and be sure to tune in again next week for another... Ramsey Smith (35:46.176) Pleasure as always. Tisa Rabun-Marshall (35:49.45) Thanks, Bobby Yeah. Tisa Rabun-Marshall (35:55.71) Mm-hmm. Paul Tyler (36:04.849) episode of That Annuity Show. Thanks so much! Bobby (36:08.23) guys.  

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: O xardín das Delicias, do BoscoFICHA TÉCNICA· OBRA: TRÍPTICO DO XARDÍN DAS DELICIAS· Pintura dunha escena relixiosa/mística.· LOCALIZACIÓN: Museo do Prado. Madrid.· ESTILO: Arte Gótica. Pintura do Gótico Flamenco.· TÉCNICA: Pintura ao óleo sobre táboa.· AUTOR: Hieronymus van Aeken (O Bosco).· CRONOLOXÍA. Ca. 1500 1505. Inicios do s. XVI.· TAMAÑO: 220x195 cm (táboa central); 96 cm (táboas laterais).· TEMÁTICA: Relixiosa; sinala de xeito alegórico que os praceres da vidason efémeros e as consecuencias son sufrimento, desgraza e imposibleser feliz.Serie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.Máis recursos en: https://facemoshistoria.gal

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: O retrato de Carlos V na batalla de Mülhberg.Serie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: A fragua de Vulcano, de Diego Velázquez.Serie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.Máis recursos en: https://facemoshistoria.gal

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: A rendición de Breda, ou as Lanzas, de Diego Velázquez.Serie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.Máis recursos en: https://facemoshistoria.gal

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: A familia de Carlos IV, de Francisco de GoyaSerie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.Máis recursos en: https://facemoshistoria.gal

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: O 2 de maio, de Francisco de GoyaSerie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.Máis recursos en: https://facemoshistoria.gal

Viaxamos a Madrid para nos adentrar no Museo do Prado. Imos descubrir in situ as 11 obras pictóricas alí expostas que o Grupo de Historia da Arte da CiUG incluíu dentro dos contidos das probas ABAU. Que mellor que velo en vivo e en directo?Obra: Saturno devorando ao fillo, de Francisco de GoyaSerie: Un paseo polo Prado, guiados da ABAU Historia da Arte, 2º de Bacharelato. Músicas da sintonía (Creative Commons Attribution 3.0): District Four, de Kevin MacLeod (https://incompetech.com), Temptation March, de Jason Shaw (http://audionatix.com).Este pódcast está baixo a licencia CC BY-NC 4.0.Máis recursos en: https://facemoshistoria.gal

Are you a new agent or looking to join the insurance industry, and wondering exactly just how and where to get started? https://www.youtube.com/watch?v=R9HQ313aNS0 In today's podcast, Bruce and Rachel will help you know how to set up your business, how to get licensed, and what you need to know about joining an insurance IMO or a life insurance FMO, or better yet why you should not join an IMO. This episode promises to help you unravel the multiple layers of the insurance industry—especially useful if you're an agent kick-starting your career or a business owner considering your options in the field. We tackle the complex question of whether to join a general agency, an independent marketing organization (IMO), or a field marketing organization (FMO). Get ready to absorb invaluable insights that will help you make your mark in the insurance landscape. So, let's embark on this enlightening journey together! What Happens After New Agent Licensing?What is a General Agency?What is an IMO?First StepsResourcesBook A Strategy Call What Happens After New Agent Licensing? After you get licensed to sell life insurance, you have to get appointed with a life insurance company to write contracts. You can do this through a general agency, or you can choose a more independent route.  The problem is that most newly licensed agents can't just call up an insurance company and get appointed. The insurance companies won't agree, because they don't want someone with no experience selling the product. After all, they don't know whether this person can write good business, or how they'll represent the product to clients. It's safer for insurance companies to appoint new agents through an agency or an organization that can provide training and support.  What is a General Agency? [05:50] “A general agency is a person or entity that has already had the experience. They get appointed with an insurance company to sell their products, and then you can get appointed under them. And they, supposedly, are going to help you along in the business.” Often, this general agent or agency is only appointed with one insurance company, although it's possible for them to be appointed with several companies. This can be one of the best ways to get into the industry because the agent already has a direct relationship with the insurance company and with you as well. This means they have a more vested interest in your growth and can be a real mentor to you. What is an IMO? IMO stands for independent marketing organization and is one kind of organization that you can get appointed to as a new life insurance agent. These are also called field marketing agencies, or FMOs. These organizations do a lot of marketing in order to get agents, and you often don't have a direct relationship with the agent at the top. These organizations are less concerned with how you fit into the company culture and may value quantity over quality. This can be an incredibly frustrating way to start your journey if you don't yet know the ropes. On the other hand, you might have a lot more freedom to run your business the way you desire. You may also get some training and marketing solutions that can help you get off your feet.  However, it's known that marketing companies may keep bonuses from the insurance company, and offer less-than-favorable compensation structures for agents. In other words, it's possible you might get less money per contract through a marketing agency.  First Steps After you figure out how you want to get appointed with a life insurance company, you want to think about setting up your business. You don't necessarily need to set up a business entity, however you do want to set up a different bank account to collect your revenue. It doesn't have to be a business bank account, it can be a personal account. You want to keep it separate.  This will help you in the long run, especially in tax season. Then,

Lars joins Randy, Brooke & Carey to talks about how he became a global superstar during the WBC, the Cardinals pushing through a bad season and showing "this isn't who they are", his personal struggles through the season & how he dealt with the constant injury nag, current pitcher comparisons for the big-name Japanese pitchers like Yamamoto & Imanaga, how he's stayed in contact with some of those player and let them know all about t-ravs and Imos, the mentality shift from the regular to the postseason & why he's feeling good about his Trojans this year. Learn more about your ad choices. Visit megaphone.fm/adchoices

Lars joins Randy, Brooke & Carey to talks about how he became a global superstar during the WBC, the Cardinals pushing through a bad season and showing "this isn't who they are", his personal struggles through the season & how he dealt with the constant injury nag, current pitcher comparisons for the big-name Japanese pitchers like Yamamoto & Imanaga, how he's stayed in contact with some of those player and let them know all about t-ravs and Imos, the mentality shift from the regular to the postseason & why he's feeling good about his Trojans this year. Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on the show, Paul and Ben talk about maybe the basket come off, Mike Doughty and Ghost of Vroom 3, writing diverse characters, attributing value to art, Schnucks is better than Imos, online arguments, coming up with the same joke at the same time, gudelaurance as stand ups, what … Continue reading →

Nicholas Bowman is the Founder and CEO of Motif Insurance building the first data clearinghouse for the independent life insurance market. Motif seeks to create a comprehensive ecosystem that harnesses the power of data and AI/ML to revolutionize how carriers, IMOs, brokers, and consumers interact and manage life insurance policies. In this episode Nick describes how being agent and understanding the pain points has helped to transition into working with carriers to help improve the life insurance process.  He forecasts the shift towards independent broker networks. More than 80% of customers want to talk with an agent, yet accessing online information will help modernize life insurance in particular the renewals process and the back-end of life insurance that has largely been neglected by insurtech to-date.  The old adage may be that, "Life insurance is sold, not bought" but agent servicing is labor-intensive and involves assessing changes in the customers' circumstances, and complex retirement planning issues. Nick has worked as an agent, taught insurance for the CFP Board, and most recently worked for Lion Street, a large Independent Marketing Organization with 1,000 agents.  This episode was recorded live at Insurtech Insights New York 2023 in conjunction with InsurTech Association and our friends Joanna England Sebastian Tollak Megan Kuczynski. Follow the Insurtech Leadership Podcast airing weekly hosted by Joshua R. Hollander. We give you up-close access and personal insights from the leaders of the fastest-growing #insurtechs and most innovative #insurance carriers and brokers.

(2:29) Operarse tendo menstruación con Laura Veiga, @PingandoG (13:18) Imos dar a cara pola ciencia. Visitamos o Instituto de Ciencias Forenses Luís Concheiro da USC para someternos como voluntarios no proxecto Face-Fit. Donamos unha mostra de ADN e realízannos unha foto 3D. O obxectivo é construír unha base de datos que permita dar as pautas para reconstruír o retrato robot dunha persoa a partir dunha mostra do seu ADN. Face-Fit está facendo un chamamento para conseguir máis voluntarios, especialmente homes. Conversamos con Elena Freire Aradas e Adrián Ambroa. (46:04) O programa "Fábrica Intelixente" abre a súa 5ª edición. Cóntanolo Patricia Argerey, directora da Axencia Galega de Innovación, GAIN. (52:48) Avance da Noite Efervescente. www.efervesciencia.org

Wouldn't it be fantastic if you could apply some of the same regenerative principles from the farmers we profile……to your backyard garden?   Get ready to start growing the best-tasting fruits and vegetables with these tips and the newly created Indigenous Micro Organism Solution - or IMOS educational system.It turns out you can use the same principles that large-scale farmers do to bring more life to your garden or yard.  In our feature interview in this episode - you'll get some great tips for creating your own regenerative garden – as well as the ability to sign up for an in-depth course created by regenerative farmers – that will take you step by step through a process to enhance the native life in any soil.Links to Learn More:Join our new FREE WhatsApp Chat GroupSubscribe to our new monthly newsletterUpgrade to premium content -- Become a MEMBERLearn more about farmers DeAnna & Kelly Lozensky & Guardian GrainsSupport the showBrought to you by the Global Food and Farm Online Community Click here to subscribe on your favorite platform or click here to listen on our website. Support the show through Patreon -- Patreon.com/TastingTerroir

John is a Managing Partner at Integrity Marketing Group, one of the largest IMOs in the United States.

Ep 84 - Phil Graham is the driving force behind the development and innovation of BLP. Phil brings over 25 years of financial services experience, focusing on designing and distributing products through financial advisors. He has led the efforts of over $22 billion in insurance, investment, and annuity sales. At BLP, we bring innovative products and distribution onto modern financial planning platforms. We refrain from disturbing or disrupting an advisor's current product and marketing relationships, including their IMO, RIA, and Broker-Dealer. Instead, we hyper-focus on single products to solve specific needs for the advisor and their client. For example, our core product is an exclusive Beneficiary Liquidity Plan® that gives the beneficiaries access to funds within 24-48 hours after the insured's death. This product monetizes the advisor's current client relationships, and more importantly, the liquidity event significantly increases the advisor's ability to maintain control of the assets to the next generation. In addition, our BLP online Playbook allows us to create a hassle-free implementation and generate significant revenue for the advisor in as little as two weeks. We also support some of the largest IMOs and insurance companies with the fulfillment of our proprietary Beneficiary Liquidity Plan®. Learn More about BLP and Phil Graham by visiting their website here: https://www.blpinfo.com/ WEALTH: Not getting enough clients? Book a FREE 15-minute Client Acquisition Consultation with CEO | Carter Wilcoxson to learn how. HEALTH: Low on energy or overweight? Go to www.chemicalfreebody.com/enrichersand grab GREEN 85 Juice Formula or book a FREE 30-minute Health Strategy Session with Tim or one of his coaches.See omnystudio.com/listener for privacy information.

Marysa and Christina Maggio, two sisters that are making one of the biggest IMOs in the Life Insurance industry, talk to Paul about where they started, where they're going, and everywhere in between. Join our team!https://www.joinfflwestcoast.com​​​ to inquire. The 5 Reasons Why This Is The Best Place For You:1. HIGHEST COMPENSATION: Highest compensation in the industry. Starting 100%, and the ability to earn up to 145%. PLUS Bonuses on top of that.2. TOP TRAINING: Best Training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.Join our team!https://www.joinfflwestcoast.com​​​ to inquire. 3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads4. NO FEES: No costs for Training. No costs for your back office. No costs for training events or the Annual Convention. Plus Free license training for new agents.  5. VESTED RENEWALS: Fully Vested Renewals From Day One and we do not make you sign a contract.Join our team! https://www.joinfflwestcoast.com​​​ to inquire. We welcome licensed and unlicensed Agents. No license? We can help you get your license. Get Access to find out how! https://joinfflwestcoast.comfacebook.com/fflwestcoastinstagram.com/fflwestcoastFFL Store: Get your FFL Apparel, Business Cards, Name Tags, & Business Supplies. For all Your FFL Swag Needs:www.FFL-Store.comLink to FFL Virtual Sales:https://www.fflvirtualsales.com/  pw: successFFL Partner Books:FFL AMS & Integrity Partner - Sean Ruggiero - 7 Benefits of FIAs For Retirement: Retirement is a Rollercoaster, Are You Prepared to Enjoy the Ride? Get it Here: https://amzn.to/3N1VU5RBooks We Recommend:The Maxwell Leadership Bible, 3rd EditionGet it Here: https://amzn.to/3zSaGJPMoney. Wealth. Life Insurance.: How the Wealthy Use Life Insurance as a Tax-Free Personal Bank to Supercharge Their SavingsGet it Here: https://amzn.to/39yvDP0The Digital Life Insurance Agent: How to Market Life Insurance Online and Sell Over the Phone Get it Here: https://amzn.to/3HAt0c6Top Lead Vendors:CALL-IN MAIL PRO MTG *HIGHLY RECOMMENDED - $5 & $35EMAIL: LEADS@MAILPROLEADS.COMMAIL PRO FEX LEADS (DIRECT MAIL LEADS)*HIGHLY RECOMMENDED $39 FEX LEAD*EMAIL: LEADS@MAILPROLEADS.COM LEAD CONCEPTS (DIRECT MAIL LEADS)*HIGHLY RECOMMENDED*CONTACT- CLAY DAVENPORT: CLAY@LEADCONCEPTS.COM

Alex Datt in studio today! 7:00 - The sports got flipped turned upside down yesterday in the NBA and the entire college sports landscape--not to mention the Cards will hit the halfway mark of the season this weekend 7:15 - Peak & Pit 7:30 - Jay Delsing on the John Deere Classic and the LIV Tour's first American event 7:45 - TIOLI 8:00 - The Cardinals hit the halfway mark of the season, games-wise, on Sunday--what're you thoughts on the season so far? 8:15 - World Champion Jon Jay in studio to talk about 2011, his current charities and business and marvel at another run of the Memphis Mafia 8:30 - The Fight 8:45 - Dani Wexelman talks about the Cardinal's success, Imos pizza predilections, and the need for some more Cardinals rookie love from the national media 9:00 - The College Football and NBA worlds were up-ended yesterday, but for both of these leagues--this is just the beginning. 9:15 - Phillies pitcher Kyle Gibson on his BLI work with Waino and preparing for a Cardinals-Phillies series 9:30 - You're killing me, Smalls! 9:45 - What's on tap for the weekend!

FB粉專 影片 https://bit.ly/3LOPy9E YouTube 影片 https://bit.ly/3wPylIN 本集主題：「贏在轉型力：後疫情時代與數位化的15個人生啟示」 訪問作者：歐欣樺 內容簡介： 疫情巨浪衝擊，你還活著嗎？ 轉型力，就是你的職場存活力！ 15位各行各業達人，15段精彩轉折人生， 向你證明， 每個人都有能力 成為自己心目中想要成為的人！ COVID-19疫情衝擊，讓社會原本就在數位化轉型的過程，加速了腳步！ 許多企業未能跟上轉型，停步在疫情環境； 許多行業產生經濟停滯，祈願疫情消退、恢復原狀，等待度過難關。 時勢總會造就不甘現狀、不甘平凡的英雄！ 有更多不願等待、不願止步的平凡小卒， 在這兩年掌握時機、創造機會，成為脫穎而出的無名英雄。 個人的跌倒不是問題，產業的束縛不是壓力， 疫情的影響不是藉口，數位的變革不是障礙！ 歸納所有無名英雄共同的因子， 就是具備了面對各種變遷、適應各種挑戰的「轉型力」! 邀請您一起看見轉型力，成為一位迎接挑戰、趁勢崛起的新星…… 15位各行各業達人，15段精彩轉折人生，匯集在課程設計平台，每一篇都是感人勵志的故事！在本書中，處處可見作者們在自身生涯發展中，反覆省思覺察與自我定位的歷程。當責、職能與斜槓，在15位風格與生命經驗各異的作者筆下，呈現多元樣貌。 這不是一本提供標準解答與嚴謹推論過程的教科書，也不是那種職場生存的教戰守則；因為當代的職涯沒有標準解答，只有每個人在過程中反覆的探問、增強技能、養成習慣、創造樂趣與意義，才能在變化萬千的工作世界中，有品質的生存下去。 細讀15位作者的故事，這些有血有肉的真實經歷中，蘊藏著豐沛而令人著迷的生命力。在經歷疫情與趨勢帶來的種種變動時，這些經驗分享中的某個片段，或許就這樣突然出現在你的腦海中，提供你度過困難的勇氣與良方。 本書集結教育、人資、美妝、設計、餐飲、菜市場、工程師領域成功轉型的例子，印證了現在已經不再是含著「金湯匙」出生才能成為「金湯匙」的時代，每個人的人生其實都掌握在自己的手裡；想成為金銀銅鐵材質的湯匙、還是擁有魔法功能的神奇湯匙，一切取決於我們自己。 拜讀完這本以轉型為主題的書，你會發現，每個人都有能力成為自己心目中想要成為的人！ Why 當責篇 因責任、設目標而產生的面對應變之心熊與思考。 How 職能篇 學技藝、深技巧獲改變的挑戰困境之過程與學習。 What 斜槓篇 轉身分、多角色去耕耘的多元發展之體驗與收穫。 作者簡介：歐欣樺 平面設計師 勵活文化事業 重視正向影響， 致力於透過教育講座與內容傳遞， 鼓勵更好的生活。 旗下品牌「勵活課程設計中心」為一講師媒合平台， 協助企業、公部門與學校機關找到適合的好講師， 也陪伴講師從國內講課到海外發展的課程邀約機會媒合。 品牌「勵活文創」則協助講師進行內容整合， 從書籍、有聲書的著作出版、廣播節目主持專訪， 協助製作講師優化課程所需的文創小物。 作者粉絲頁： 手作家族 IMOS 吾懂你心聲 出版社粉絲頁： 讓我們布克在一起 #李基銘#fb新鮮事#生活有意思#快樂玩童軍 #漢聲廣播電台 YouTube頻道，可以收看 https://goo.gl/IQXvzd podcast平台，可以收聽 SoundOn　https://bit.ly/3oXSlmF Spotify　https://spoti.fi/2TXxH7V Apple　https://apple.co/2I7NYVc Google　https://bit.ly/2GykvmH KKBOX　https://bit.ly/2JlI3wC Firstory　https://bit.ly/3lCHDPi 請支持六個粉絲頁 李基銘主持人粉絲頁：https://www.facebook.com/voh.lee 李基銘的影音頻道粉絲頁：https://www.facebook.com/voh.video Fb新鮮事新聞報粉絲頁：https://www.facebook.com/voh.fbnews LIVE直播-fb新鮮事：https://www.facebook.com/live.fbshow 漢聲廣播電台「fb新鮮事」節目粉絲頁：https://www.facebook.com/voh.vhbn 漢聲廣播電台「快樂玩童軍」節目粉絲頁：https://www.facebook.com/voh.scout

5-16 Segment 2 - Music taste - Sports gambling perspective as referee/player - Cargo shorts, fanny packs & crocs - Reds no-hit Bucs, still lose - Pizza debate

In this episode we're drawing more highlights from our annual NOFA/Mass Winter Conference that happened remotely in January 2022. First we join Natural Farmer, Marco Thomas for an introduction to the Natural Farming technique of collecting of Indigenous Micro Organisms (IMOs).  Then, we join Richard Robinson of Hopestill Farm for a deep dive into mulching, and his impassioned reasons for using leaves as mulch as possible.  Marco Thomas is a natural farmer in Central Virginia, and is the founder of Microbes by Marco producing small batch craft inputs for soils. His work is focused on building soil and cultivating microorganisms to enhance his own garden and urban farm and he is guided by the principles, “Do as nature does.” and “Focus on the natural way.”  Richard Robinson began organic gardening over 40 years ago and became a serious farmer in 2004. He grows certified organic vegetables, small fruits, and Christmas trees at Hopestill Farm in Sherborn, MA. Richard has also a member of the NOFA/Mass Board of Directors since 2017. You can find Marco Thomas at MicrobesbyMarco.com  and on Instagram at: marco_is_growing More information on Richard Robinson and Hopestill Farm can be found at Hopestill.com To find more information on the Northeast Organic Farming Association chapter in your state please visit us at NOFA.org For additional information on upcoming workshops, articles and NOFA/Mass project updates, please follow our NOFA/Mass Facebook page and join our mailing list. NOFAmass.org Music by Matt Jatkola https://mattjatkola.com/ https://mattjatkola.bandcamp.com/ https://jatk.bandcamp.com/ Music by Jason Valcourt https://www.jasonvalcourt.com/ JV on YouTube NOFA Podcast produced and edited by Jason Valcourt

What were you doing when you were 19 years old? Caleb Guilliams was leading a bank's investment department when he was 19. No, he did not take any shortcuts. He did not have any connections. Back then, he only had this unwavering passion to learn and give value.  He used this experience to build his own company called Betterwealth, which now serves individuals as a one-stop-shop for better financial decisions. He joins us in this episode to talk about his journey, the services his company provides, and his bestselling book, “The AND Asset.”   [00:01 - 05:14] Opening Segment   Caleb Guilliams worked in a bank's investment department at 19 years old   Here's how he landed this job This is the book that changed Caleb's approach in dealing with clients [05:15 - 15:54] Better Financial Decisions Why Caleb started Betterwealth in the first place Caleb explains “value leveraging” and why investors should consider it 3 things Caleb did to build credibility What business owners really care about according to Caleb He gives us a sneak peek into his book, “The AND Asset” What's the “and” asset really? [15:55 - 17:40] Closing Segment A financing mistake you want our listeners to avoid Devaluing yourself while investing your money Reach out to Caleb Links below Final words   Tweetable Quotes “If you have a no-brainer offer and you amplify that, you'll become extremely wealthy, have influence, and serve a ton of people.” - Caleb Guilliams “I do see the value of connecting the marketplace with capital with operators that are creating value using real estate and making that connection.” - Caleb Guilliams “Make sure that you don't devalue yourself in the process of building wealth.” - Caleb Guilliams -----------------------------------------------------------------------------   Email caleb@betterwealth.com to connect with Caleb or follow him on LinkedIn. Your one-stop shop for every financial decision is just a click away! Visit Betterwealth now!    Check out his personal website to learn more about his work. GRAB a copy of his book, “The AND Asset” here.    Connect with me:   I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook   LinkedIn   Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on.  Thank you for tuning in!   Email me → sam@brickeninvestmentgroup.com Want to read the full show notes of the episode? Check it out below:   Caleb Guilliams  00:00 You ever realized, like, I knew about money, but I didn't really know how the game worked. And so I would like do a fact finder review with them. And then I always I did like the Simon Sinek, Start With Why. And I just did that mainly out of like to defer to the next meeting because I'm like, I don't know what I'm talking about. So like, let's get really clear on why you do what you do. And then what I did when they left is then I started calling the account managers at our broker and the IMOs and just saying, Okay, what is the best way to do this and they had to do official things because I didn't have all the licenses at the time. What I learned from that is the genius of starting with why and the genius of asking people what they actually want.   Intro  00:37 Welcome to the How to Scale Commercial Real Estate Show. Whether you are an active or passive investor, we will teach you how to scale your real estate investing business into something big.   Sam Wilson  00:48 Caleb Guilliams is the founder of Betterwealth, a company committed to show people how to be more efficient and control their money. He also authored “The AND Asset,” and he hosts the Betterwealth Podcast. Caleb, welcome to the show.    Caleb Guilliams  00:58 Man, it is pleasure to be here, man. It's good to be on the show.   Sam Wilson  01:02 Pleasure's mine. 90 seconds or less, tell me where did you start? Where are you now? How did you get there?   Caleb Guilliams  01:07 I grew up in central Wisconsin, oldest of six kids, my dad was a doctor, realized real fast that I didn't, I wasn't gonna walk in his footsteps. First job was gutted chickens then worked at a bank took over banks investment department when I was 19 years old, realized that the financial planning industry is all about selling products. And not really about helping people get results. I was super young, even looked younger. And so I had some people I think, pity me and felt sorry for me. So they mentored me, realize that there is more to life than just making money left the bank when I was 21, to start Betterwealth. And now we work with people in all 50 states helping them achieve financial freedom, which we call intentional living and help them take back control their wealth. So that's the 90-second version.   Sam Wilson  01:47 Man, I love it. That's great. How did you score a job at 19? Running a bank's investment department?   Caleb Guilliams  01:53 It, yeah, great question. When I was 15 years old, I started getting chickens read books on money and became obsessed when it came to money, and just wanted to learn more about it. And so I had a friend of mine who was like, you know, the best way to learn because I was homeschooled. So I always thought a little outside the box, said the best way to learn is to work at an environment that stretches you. And so they had a connection, who got me a job at the bank at 17 as a teller, so I was there working as a teller, it was one of the best jobs I ever had because it boosts my confidence. And then I just had the mentality that I was going to do every job I could. And I was an HR nightmare because they only paid me so many hours. So I just worked for free, I would show up to meetings, even though just to get my input, I would talk to the CEO, I was like the teller that was talking about with the CEO and how we could grow the bank and grow revenue. And so I was always into investments. When I was 18, they allowed me to work part-time as the investment assistant. And I just ran with it, the investment director at the bank left to take another job. At 19 years old, I was the only somewhat qualified person. And so that's, that's how I got lucky. And I also worked my butt off to get myself in that position. And then from there, I was supposed to just be the interim, but I was there until I left. So it was just one of those things were grateful for the experience. I look back and think what were the banks thinking? What was my boss thinking? But I'm just grateful.   Sam Wilson  03:13 Well, I kind of, I mean, tell me, what were the type of investments that you were directing people towards?   Caleb Guilliams  03:19 Mainly there was, I mean, mutual funds, their 401(k)s, there were annuities, fixed annuities, and then some basic life insurance stuff. So it was pretty basic. And it was really like people would come in, and it would be like, Oh, instead of a CD, because why would you want to put your money in a CD, we have an investment person and and so we had, like 350 clients. Nothing crazy. It was like a typical financial planning office, local office.   Sam Wilson  03:46 Right. That's cool. So I'm assuming had to go out and get your licenses, certifications? I don't know what you would need, six, seven, six.   Caleb Guilliams  03:54 Yeah. So what's interesting is when I first took over, I didn't have all my licenses. And so I was working with the broker. So like clients would come in, I had no clue, you have to realize, like, I knew about money, but I didn't really know how the game worked. And so I would like do a fact finder review with them. And then I always I did like the Simon Sinek start with why. And I just did that mainly out of like to defer to the next meeting. Because I'm like, I don't know what I'm talking about. So like, let's get really clear on why you do what you do. And then what I did when they left is then I started calling the account managers at at our broker and the IMOs. And just from saying, Okay, what is the best way to do this? And I had to like, they had to do official things, because I was I didn't have all the licenses at the time. What I learned from that is the genius of starting with why and the genius of asking people what they actually want. Because in the financial industry, we're all about jargon like oh, let's like the talk about the 4% rule and the diversification and all that stuff. And that doesn't translate into value, that doesn't translate into results. And so although I started out of just not knowing what I was doing, I realized that it was effective to get really, really crystal clear on what they wanted. And then I would communicate with the other people, This is what they want, will this tool or widget help them get closer to that? So again, someone didn't know a ton about money, but I connected those dots were unfortunately in our space, I don't think those dots connect with everybody in the financial industry.   Sam Wilson  05:15 No, gosh, no, absolutely not. So tell me about what you're doing Now. Would you say it's built better wealth? I know I read it here in the beginning, but yeah, since close, so yeah. Why did you form build Betterwealth? What does that look like now?   Caleb Guilliams  05:27 Yeah, so better. off.com is the company and essentially was working at the bank had a mission statement that said, help people see and reach their highest potential. I wake up every day like with that passion of people realizing and living to their God-given potential. And so with that, I'm looking at the bank that I'm in, and I'm grateful for the experiences, but with compliance with the lack of ability market bill, the team, like it just became really clear that this would be an amazing job. No one would say, Caleb, you're 21 you're slacking at the corner office of the bank. But I just knew like there was so much more as it relates to education. But then I wanted to do this whole internet thing, which five and a half years ago, it's the internet was a thing, but like, even like, it wasn't as popular and the thought of like coaching people and educating people on the internet just was a little bit like people weren't all about that. So I just was like, you know, what, what do I have to lose, I was still living at home, I had money saved up. And I just don't want to live life with regret. And I knew that if I stayed, that would be a potential decision, I would regret. And so I left. And with this just vision of like, I didn't know really what to do. I was just like, we're going to help people, to people that really believed in the cause. Our first office was in the basement of a Papa John's building, nothing sexy there. But we just, you know, started and we had a few people become our client and then slowly but surely, people like started saying, like, hey, I want to learn more how we made our money was we did insurance. And then we also referred out to investments. And now currently, we have an RA which does assets, we have an insurance arm, we have a tax company, we have a coaching company, and we actually have a little bit of a software company as relates to helping people and it all goes back into helping people live more intentionally with their money. And some people use it all some people use a product or two. And so that's Betterwealth is a makeup but it's been a journey of five and a half years of building and bringing on other experts.   Sam Wilson  07:15 Yeah, that's really intriguing. I love that and talk to us about scaling. You're obviously in the financial services industry, you touch real estate, like you said, you have your assets division, but talk to us more, maybe we'll spend a little bit more time here nuanced talking about scaling the business itself, be more than we'll talk real estate, can you kind of walk us through that process?   Caleb Guilliams  07:34 Yeah, so I love the concept of scale. And when I started Betterwealth, I couldn't articulate what I now call value leveraging. But I wanted to create a magnet effect I wanted people to come to us. And and that was why I liked the Internet and other things. And so in the financial industry, probably a lot like the real estate industry, there's a lot of people that are smart, that create value, but they have no leverage behind that value. And one of the reasons I love real estate and what I believe it's the greatest asset, one of the greatest assets out there is you can use leverage to acquire it, it can appreciate it can create cash flow, there's certain tax benefits. And so but one of the amazing things is you can get leverage for that, whereas a lot of other businesses it's hard to. And so levers are an incredible amplification from the business. And so I have pretty much a whole talk that I help people with leverage. And so it's like, number one, you have to create value. That's the thing that a lot of people forget about is like you can leverage but if you leverage a crappy real estate deal, it's not gonna, it's you're just gonna accelerate a problem. And so number one, you have to ask yourself, Is your business, is your service, is your product, actually valuable supply and demand? Do people actually want it and the market will decide if it's valuable. If it's valuable, then we have to look at what are the different ways that we can amplify that go one to many, and there's media, that's amazing. There's code, that's amazing. There's labor, that's amazing. There's OPM, other people's money. And so it's finding out like there's influence and charisma, there's finding out what are little levers that I can put into my business that can create that amplification effect. And so what I did is I was self-aware enough to know I'm 21 and look like I'm 15. So I need credibility and influence. So I self publish a book, I started a podcast and interviewed other experts. And I just said that, that I'm now a speaker. So those are three things that I did that like were a little levers that increase my status. And then the internet allowed us to create that platform to go one to many. And we started using podcasts and videos. And all of those, like this video that's created isn't a leverage effect. Because we're meeting we're having a conversation and if one more person listens to this, that's not like, our input is the same, and the output is unlimited. So those are the kinds of things that I'm obsessed with. And I just I think again, I couldn't articulate all at 21. But I knew I wanted to build a business around leverage. But the biggest mistake people make is they're not valuable, and so it's still to this day, are we fully leveraged? No, my mindset's all about making our products and services the best that can be because I know leverage will just amplify the value that we bring to the marketplace.   Sam Wilson  10:00 When you made a comment here a second ago, I'd love some clarification on you said the biggest mistake people make because they're not valuable. What does that mean?   Caleb Guilliams  10:06 They think their investments and businesses and services are valid, valuable. So when when I say value, there's only two things that can create business, like business can only create two things. It's a service or a product. And a lot of people think I just need to get my message out there, I just need to leverage what I'm doing. But the problem is their service or product is not valuable, meaning like people like, it's not as valuable as they think it is. And so when they leverage or they amplify that message, people just realize, oh, this product sucks. And now more people know that it sucks, and not just the micro, you know, your micro group. And so I the big thing, when I'm coaching or encouraging people is really make sure the Lean Startup like make sure before you go, you know, met to the masses, make sure that your thing your product or service is super valuable and irresistible, and a no-brainer offer. If you have a no-brainer offer and you amplify that, you'll become extremely wealthy, have influence, and serve a ton of people. If your offer's not like not good, you're just gonna accelerate to going out of business.   Sam Wilson  11:03 What are some no-brainer offers that you guys have implemented in your business? Just to give some examples that people to get the wheels turning?   Caleb Guilliams  11:11 Yep. This is honestly, in the financial service space is tricky. One of the reasons why we're bringing on a tax company is to create that no-brainer offer, because when you ask, you know business owners, because that's primarily who we serve, like, how can we help you? What are you worried about at night, they're not worried about compound interest, they don't really care about their 401(k) or SEP IRA. Like all these things that we do for business, like, Oh, I could, you know, better investments, I can overfund life insurance for you, I can help you be more efficient like all those things are great. But like, that's not really what they care about. What they care about is taxes. They hate overpaying taxes, they feel like their CPAs aren't doing their job. And they just hate it. Hate it hate it. And so I've heard this for years and years and years. And so I'm like, Okay, what if instead of trying to convince you or sell you something that you don't really want? What if I just created a company with the least amount of friction helped you save money on taxes? And then oh, by the way, once you're in the door, what are you going to do that with all those savings? Are you going to spend it? Or can we invest it and be more strategic with it? So the reason we have a tax company is to create a no brainer offer. And that's just the best example I can make in a service business where we have to be careful, it's like, you can't make any guarantees. You have to be very, very careful. But it's like how can you create that experience that people say, you know, what I want to work with Betterwealth, not just on the tax side, but across the board.   Sam Wilson  12:28 What about your back end service providers? If you guys have let's talk real estate for a second, if you guys have an asset division, yeah, that you probably have operators, deal sponsors there that are kind of you know, that you guys have known like and trusted. What does that process look like for you? And how do you interact and work with them?   Caleb Guilliams  12:45 So real estate, we have a lot of clients that do real estate syndications and real estate because it's an amazing asset class. And to date, we don't touch the real estate from a standpoint of like, hey, we'll raise funds or if you're a real estate investor, we are usually your “and” so we do a lot of overfunded life insurance. And if you want to do market-based activity, which quite frankly, if you're in real estate, know the power of it, I wouldn't necessarily recommend putting your money in indexes or ETFs. Again, it's just all about based on where you want to put your money. To date, we don't have any real estate connections. Now, in 2023, one of the areas becoming more valuable is we're creating a platform and all we're going to do is connect people, we have to be very careful not to make recommendations. We can't make a commission on this. But I do see the value of connecting the marketplace with capital with operators that are creating value using real estate and making that connection. So I don't know if that answered your question. But we're more of a someone that hopefully can enhance and improve your deal. But we're not the one that's connecting you to the direct deal at this point.   Sam Wilson  13:47 Right, understood that. Talk to me about the asset. What does that mean? That's the title of the book. It's unique. What is that? What does it even mean?   Caleb Guilliams  13:53 Make a long story short, the “AND” asset is just another name for overfunded whole life insurance. And, you know, I'll be very frank, when I started working at the bank, I grew up under Dave Ramsey. Thought debt was bad thought life insurance was the worst place to put your money. And so when I started hearing this concept of like, oh, life insurance could be a tax-free investment. I was like, Okay, let me like, look into that. And I realized that majority of people that sell life insurance, sell it wrong, talk about it wrong, but like the epiphany that I had was everyone's that's talking about life insurance is bad-mouthing investments, and they're like saying all these things, but really life insurance is not even an investment. It's not legally an investment. And really what it could be is an alternative place to store capital that gives you pretty better growth in your savings account gives you creditor protection, gives you special tax advantages, gives you a state value benefits and gives you the ability to collateralize that money utilize that capital while you still get all the benefits of life insurance long term. So I'm like why is the life insurance industry hating investments? Why did the investment industry hate life insurance like actually these two things can be an “and” like life insurance could be part of your stock portfolio. Life insurance could be used to purchase real estate. A life insurance could be at the foundation, or at least a bond alternative. And so it's just been on this journey of like saying, hey, like, I do not like the whole sales concept of like, you need this, you don't need anything. It's like if life insurance can help you live more intentionally and unlock certain things, that would be interesting. And so I personally save over six figures a year in the life insurance, why it's not an investment, I just would rather save in a place that would get a better yield and have more benefits than a savings account. But I use it as my opportunity fund to invest in businesses. That's where I invest currently, but it could be in anything. And so I don't know if that answers your question, but that was like the epiphany that I had. And then in the more research, and we're making a movie, and my book is all about not that life insurance is the end. It's not the end solution. But it's like, I think it's a pretty amazing enhancer, whether you're looking into retirement, whether you're an entrepreneur, whether you're a real estate investor, I wouldn't ask the question, should you do this? Or that you should ask the question. Would this be an answer to what I'm currently doing?   Sam Wilson  15:55 Right. That's absolutely awesome. Caleb, I've enjoyed this today. Unfortunately, we are out of time, man, I got a dozen more questions I can hit you up with. But let's jump here into the final three questions. What is one mistake you could help our listeners avoid and how would you avoid it?   Caleb Guilliams  16:08 That's an amazing question. And I would say the one mistake that I've made is trying to convince by saving my identity, and realizing that my identity doesn't come from you doesn't come from your listeners doesn't come from the money or success. But it's so much deeper than that. And if you actually understand that, you're going to be a lot happier, and you're not going to make dumb mistakes in the future trying to save your identity.    Sam Wilson  16:32 Got it. That's awesome. Man. I love that question. Number two for you is, when it comes to investing in the world, what's one thing you're doing right now to make the world a better place?   Caleb Guilliams  16:39 I believe the greatest investment you can make is in yourself, and I think a lot of people are devaluing themselves as they think about money in their investments. And so if I can have one message that rains on. It's: make sure that you don't devalue yourself in the process of building wealth.   Sam Wilson  16:53 Got it. I love it. Last question. If our listeners want to get in touch with you or learn more about you, what's the best way to do that?   Caleb Guilliams  16:58 Betterwealth.com. And you can email me at Caleb@betterwealth.com. And if you email me and reference this show, I will give you a bunch of free checklists that we use and that we give away to to people that want to learn more about how to be more efficient with their money.    Sam Wilson  17:14 Awesome. Caleb, thank you for your time.    Caleb Guilliams  17:15 Thank you.    Sam Wilson  17:16 Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen, if you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories so appreciate you listening. Thanks so much and hope to catch you on the next episode.

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