Podcasts about Insurance

The Slow Death of Insurance-Based Clinics (And How to Future-Proof Yours) In this episode, Danny explains why traditional insurance-based physical therapy clinics are slowly dying—and what you can do about it. He breaks down the rise of burnout, declining reimbursements, and increasing provider turnover, and why now more than ever, hybrid and cash-based models are the only sustainable path forward for most clinicians. Whether you're starting a clinic or trying to save one, this is a must-listen.

Text us a pool question!In this episode of the Talking Pools podcast, Wayne & Steve discuss various challenges faced in the pool service industry, including legal issues, the importance of documentation, and compliance with safety regulations. They share personal experiences with subpoenas and lawsuits, highlight historical legal cases that have impacted the industry, and emphasize the significance of the Virginia Graeme Baker Act. The conversation also touches on the necessity of safety measures and the lessons learned from past incidents, setting the stage for future discussions on water balance and related topics.takeawaysLegal challenges can arise unexpectedly in the pool service industry.Documentation is crucial for protecting your business.The Virginia Graeme Baker Act has significant implications for pool safety.Accidents can happen despite best efforts to prevent them.Understanding compliance requirements is essential for pool operators.Historical legal cases illustrate the risks in the pool industry.Insurance is a necessary safeguard for pool service businesses.Communication with clients is vital to avoid misunderstandings.Safety measures must be regularly reviewed and updated.Future discussions will focus on water balance issues in pool maintenance.Sound Bites"You have to comply with this.""You have to take good documentation.""Have a good one. Bye bye."Chapters00:00Introduction and Personal Updates00:51Legal Challenges in the Pool Industry13:06Historical Legal Precedents and Their Impact17:40The Importance of Documentation and Legal Preparedness21:48Case Studies of Lawsuits in the Pool Industry27:24Navigating Legal Risks in Pool Management27:48The Evolution of Pool Safety Regulations29:21The Impact of the Virginia Graham Baker Act30:55Challenges in Compliance and Retrofitting Pools34:20Financial Burdens of Pool Safety Compliance36:50Understanding VGB Compliance and Its Importance40:41Liability and Documentation in Pool Management47:06Upcoming Discussions on Water Balance Issues Support the showThank you so much for listening! You can find us on social media: Facebook Instagram Tik Tok Email us: talkingpools@gmail.com

Financial institutions are losing an average of $100 million annually due to a fundamental disconnect between fintech innovation and traditional financial systems. A phenomenon FIS and Oxford Economics have termed the "Harmony Gap." "We hear a lot from people about the challenges and friction they see in the money lifecycle," explains FIS CTO, Firdaus Bhathena, at his firm's Emerald Conference at the end of May in Orlando, Florida.. "But we had not been able to quantify that." His firm's collaboration with Oxford Economics is changing that, providing hard data on what many suspected but couldn't measure. The new research, based on surveys of 1,000 executives across the US, UK, and Singapore, reveals that disharmony in the financial system is a costly reality affecting everything from cybersecurity to operational efficiency. As Margaux McLoughlin of Oxford Economics puts it, "When there are disruptions across the money lifecycle, that's what we call disharmony." Understanding what the research describes as a Harmony Gap requires examining how the modern financial ecosystem operates, why the human cost extends far beyond corporate losses, and what organizations can do to bridge the disconnect between innovation and implementation. The path forward requires a rethinking of how financial institutions approach systemic challenges in an interconnected world.

Drex covers three critical cybersecurity developments: Scattered Spider's shift to targeting insurance companies including Erie Insurance, Philadelphia Insurance, and Aflac using advanced social engineering tactics; escalating Iran-related cyber threats to US critical infrastructure amid Middle East tensions; and a massive dark web leak exposing 1.6 billion login credentials. Don't miss these actionable security recommendations including reviewing password reset processes, implementing strong authentication measures, and preparing for potential nation-state attacks on healthcare infrastructure.Remember, Stay a Little Paranoid X: This Week Health LinkedIn: This Week Health Donate: Alex's Lemonade Stand: Foundation for Childhood Cancer

In this episode, we have a returning guest who appeared twice back in 2022 (episodes 217 and 267). Marc Bishop Lafleche, CEO of Ecora Resources, who are a leading royalty company focused on supporting the supply of commodities essential to creating a sustainable future. Listed on the London Stock Exchange and the Toronto Stock Exchange, they have a proven track record of delivering value-accretive growth. Marc has a banking and international finance background and has been with the company for the past 11 years, moving into the CEO role 3 years ago. Marc gives us an update on the company since we last spoke, and why they have changed focus, their recent acquisition, update on the current royalty market, and his thoughts on financing within the mining industry. KEY TAKEAWAYS Ecora Resources has shifted from relying heavily on a single coal royalty stream (Kestrel) to diversifying its portfolio with future-facing minerals The company emphasises a strategy of quality over quantity in its royalty acquisitions, targeting low-cost assets that are expected to generate strong cash flows and withstand commodity price cycles. With a sector-leading copper pipeline, Ecora is well-positioned to benefit from the increasing demand for copper driven by urbanisation, renewable energy, and electric vehicles Royalty companies have become a key source of financing in the mining sector, providing flexible and less risky funding options compared to traditional debt and equity BEST MOMENTS "We've been quite deliberate and methodical... to build this business with the strategy of quality over quantity." "I think 2025 will be a pretty important year for this company... starting to see free cash flow growth from a lot of the assets we've put into the business." "The royalty sector has emerged as a key source of financing... because of its evergreen nature." "The demand for electricity and the need for these critical minerals to me is really, really clear." VALUABLE RESOURCES Mail:        rob@mining-international.org LinkedIn: https://www.linkedin.com/in/rob-tyson-3a26a68/ X:              https://twitter.com/MiningRobTyson YouTube: https://www.youtube.com/c/DigDeepTheMiningPodcast  Web:        http://www.mining-international.org This episode is sponsored by Hawcroft, leaders in property risk management since 1992. They offer: Insurance risk surveys recognised as an industry standard Construction risk reviews Asset criticality assessments and more Working across over 600 sites globally, Hawcroft supports mining, processing, smelting, power, refining, ports, and rail operations. For bespoke property risk management services, visit www.hawcroft.com GUEST SOCIALS  https://www.ecora-resources.com/ https://www.linkedin.com/company/ecora-resources-plc https://x.com/EcoraResources CONTACT METHOD rob@mining-international.org https://www.linkedin.com/in/rob-tyson-3a26a68/ Podcast Description Rob Tyson is an established recruiter in the mining and quarrying sector and decided to produce the “Dig Deep” The Mining Podcast to provide valuable and informative content around the mining industry. He has a passion and desire to promote the industry and the podcast aims to offer the mining community an insight into people's experiences and careers covering any mining discipline, giving the listeners helpful advice and guidance on industry topics.  This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Think owning a home will bring surprise expenses that wreck your budget? This episode breaks down exactly what you'll pay—and why it's not as scary as you've heard.Synopsis:In this myth-busting continuation of the 20 Most Frequently Asked Questions, David Sidoni tackles one of the biggest fears holding renters back: hidden costs. From rising property taxes and insurance to repairs and HOAs, David exposes the truth behind these so-called “surprises” and shows how proper planning makes them predictable. If you've been scared off by online horror stories or clickbait headlines, this episode gives you the clarity and confidence to stop renting and start planning. You'll walk away with real numbers, smart strategies, and a clear-eyed understanding of how homeownership costs actually work.Promise Delivered:You'll learn how to predict and plan for every cost of homeownership—so nothing feels “hidden” or unexpected. This episode replaces fear with facts and shows that a well-built budget can make homeownership not only possible, but powerful.Quote:“The taxes and insurance are not surprises—they're scheduled and predictable. And if they go up? They go up in rent too. You're just not paying attention.”Highlights:Why most “hidden” costs are just poorly explained (and how to plan for them)How PITI (Principal, Interest, Taxes, Insurance) gives you a complete budget viewWhy rising property taxes and insurance aren't deal breakersThe renter's blind spot: you're already paying these increases—just for someone else's benefitHow to estimate and plan for HOAs, repairs, and future costs with confidenceWhen fear is valid—and when it's just misinformationThe biggest budgeting mindset shift every buyer needsReferenced Episodes:9 – How Much Money Do I Need To Make To Buy My First Home?75 – Inspection Red Flags, New Tips For 2022 Bidding Wars, And…To Wait, Or Not to Wait?110 – Home Inspections For First-Time Home Buyers162 – How Much Home Can You Afford With Your Salary?174 – How much Income do I need to make to Buy? DETAILS186 – INTERVIEW: Buying a Home with 300K of Student Debt219 – How Much Money Do You Need To Make To Buy A Home - For REALS!220 – Interview With Clarisse - Home Inspections: When And How To Walk Away From The Deal280 – Don't think you can buy a home? - Financial Planning 101322 – Am I Ready to Buy a Home? The 5 Questions You Must Ask339 – Don't Get Pre-Qualified—Get a Plan (INTERVIEW)340 – Down Payment Assistance, Discovery Calls & Lending Myths (INTERVIEW)350 – From ‘Years Away' to Homeowner: Your Last Lease EverConnect with me to find a trusted realtor in your area or to answer your burning questions!Subscribe to our YouTube Channel @HowToBuyaHomeInstagram @HowtoBuyAHomePodcastTik Tok @HowToBuyAHomeVisit our Resource Center to "Ask David" AND get your FREE Home Buying Starter Kit!David Sidoni, the "How to Buy a Home Guy," is a seasoned real estate professional and consumer advocate with two decades of experience helping first-time homebuyers navigate the real estate market. His podcast, "How to Buy a Home," is a trusted resource for anyone looking to buy their first home. It offers expert advice, actionable tips, and inspiring stories from real first-time homebuyers. With a focus on making the home-buying process accessible and understandable, David breaks down complex topics into easy-to-follow steps, covering everything from budgeting and financing to finding the right home and making an offer. Subscribe for regular market updates, and leave a review to help us reach more people. Ready for an honest, informed home-buying experience? Viva la Unicorn Revolution - join us!Visit the Podcast library to check out the rest of this series.

Dr. Tiana Kelly, DSocSci, MA, LPC, NCC joins me to dive into the realities of HIPAA and insurance documentation in private practice—focusing on practical tips over legal jargon. She explores common mistakes like late notes and miscoding, and shares strategies for clearer, more confident documentation. From balancing detailed vs. skeletal notes to creating templates and trusting your clinical judgment, she offers grounded advice for staying audit-ready and protecting your practice. She also touches on why AI-generated notes might not be the quick fix they seem. Sponsored by Paubox: Use code ABUNDANT to get $250 off your first year Sponsored by TherapyNotes®: Use promo code Abundant for 2 months free

Step inside the world of data innovation as Don Vu, SVP and Chief Data and Analytics Officer at New York Life, reveals how a 180-year-old institution is embracing cutting-edge AI. Don, shares insights from his unique background, spanning Major League Baseball and retail startups, now applied to transforming the insurance industry. Hear how New York Life leverages AI to make experiences proactive and intelligent, addressing challenges like the "last mile problem" in data operationalization. Key Moments: MLB Data Insights (07:28): The conversation delves into how every baseball stadium is extensively instrumented with high-speed camera and radar technology, meticulously tracking every object on the field. This massive trove of data is then shared across all baseball clubs for in-depth analysis and the optimization of strategies.The Last Mile Problem (09:38): A critical challenge in data and AI is identified as the "last mile problem," emphasizing that the primary hurdles often lie in the operationalization, change management, adoption, and acceptance of solutions, extending far beyond the mere building of models.Data & AI in Business Strategy (13:08): The discussion highlights that data serves as the fundamental underpinning for seamless operations, while AI actively transforms experiences, making them proactive and intelligent. This deep integration of AI and data is central to New York Life's core business strategy.Data Readiness & Quality (20:08): Persistent data readiness issues are addressed, underscoring that data quality, latency, governance, and stewardship—with business owners held accountable—are absolutely crucial for both structured and unstructured data environments.AI Interoperability & Agent-Driven Future (22:43): The episode explores the importance of tracking emerging AI protocols such as MCP (Model Context Protocol) and agent-to-agent protocols. A compelling vision of the future is also shared, where AI agents act on behalf of consumers. Realizing this vision depends on interoperability across AI systems, enabling smooth, intelligent collaboration between diverse platforms.GuideMe Application & AI (32:46): New York Life's innovative "GuideMe" tool, utilized by agents during client meetings, is described as possessing incredible potential for pervasive AI integration. This integration is set to significantly supercharge both the agent and client experience, streamlining financial planning.Key Quotes:“There is this phrase that data practitioners often cite. It's like this notion of garbage in, garbage out. And data quality matters. The latency of your data is significantly important. The notion of data governance and data stewardship, with a business owner being accountable for the quality of data, is really important." - Don Vu“We think human-led protection-first holistic advice and guidance is really the key here, and we have amazing advisors, we have amazing agents throughout the country, and what we're really focused on is really enhancing them and trying to make their lives easier by having AI at their side.” - Don Vu“Data is the underpinning foundation upon which that runs seamlessly and consistently. AI is the way by which it becomes proactive and intelligent across the entire set of experiences.” - Don VuMentionsHow New York Life's “Guide Me” is Leading the Way in Digital TransformationRockaway Beach: New York's Best Kept SecretLeading Change: By John P. KotterDiner: South Williamsburg, Brooklyn RestaurantGuest Bio Don Vu is the Senior Vice President and Chief Data and Analytics Officer at New York Life. In this role, Don leads the company's artificial intelligence (AI) and data team, overseeing AI, data, and insights initiatives and ensuring data architecture supports New York Life's business objectives. Prior to joining New York Life, Don served as chief data officer at Northwestern Mutual, where he spearheaded organizational transformation and enterprise data and AI strategy. His impressive career also includes leadership positions at WeWork as vice president of data and analytics and 13 years at Major League Baseball (MLB) as vice president of data and analytics. Don holds a B.S. in Information Systems and Commerce from the University of Virginia and actively contributes to the field as an advisory board member for McIntire's Business Analytics program. Hear more from Cindi Howson here. Sponsored by ThoughtSpot.

This week, we sit down with the Podcast Princess herself, Hala Taha, to discuss why, in today's “do more with less” AI economy, your personal brand is your best insurance policy. Hala shares her own journey—from dropping out of college, working for free at Hot 97 for three years of no paycheck, no benefits, even babysitting the host's kid) to now running YAP Media, a podcasting juggernaut. Special Guest: Hala Taha Hosts: Matt Sunbulli ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/sunbulli/⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠https://www.firstdraft.vc⁠⁠⁠⁠⁠⁠⁠ Aaron Calafato ⁠⁠⁠⁠⁠⁠⁠Listen to Aaron's 7 Minute Stories Podcast ⁠⁠⁠⁠⁠⁠⁠ Leah Ova ⁠⁠⁠⁠⁠⁠⁠Follow Leah on TikTok ⁠⁠⁠⁠⁠⁠⁠ Editorial: Matt Sunbulli Brooks Borden Ken Wendt Aaron Calafato Senior Audio Engineer: Ken Wendt Research: Zaid Safe Matt Sunbulli Aaron Calafato

Embedded finance offers a chance for fintech firms, vertical SaaS companies, and marketplaces to drive revenue growth and build a sticky offering.  Always strapped for cash and with their owners juggling multiple responsibilities at once, small businesses increasingly adopt vertical SaaS platforms to run their operations, the demand for integrated banking, payments, and lending solutions continues to accelerate.   For firms that can successfully navigate this landscape, embedded finance offers a powerful pathway to differentiation in an increasingly competitive market while addressing the critical financial needs that traditional institutions have struggled to meet effectively. On the show today, I am joined by three leaders in the space sharing insights into what it takes to succeed: Yoseph West, Co-founder and CEO of Relay which is a digital business banking platform serving SMBs, Sol Lax, CEO of Revenued, a leader in revenued-based financing and  Caleb Avery, founder and CEO of Tilled, a modern embedded payments provider for software companies Tune in to hear us plot the market shift from embedded payments to lending, underwriting challenges for thin-file customers, and strategic partnership models that create comprehensive solutions for small businesses.  In this episode we will examine two case studies: how  Relay and Tilled are implementing embedded lending in their platforms through their work Revenued and sketch out a plan for fintechs that want to mature their embedded finance offerings to offer sophisticated products like lending and working capital to their SMB customers. If you're a platform serving SMBs, embedded lending isn't just a feature – it's a way to make your product indispensable.  As customers look for financial solutions that meet them where they are, platforms that deliver seamless, flexible capital access will win. This episode is a must-listen for any SaaS, fintech, or ma

This is the full show for June 24, 2025. We ask the American Mamas what they though about Trump bombing Iran. We Dig Deep into the War Powers Act. Plus, RFK Jr. announced massive changes to the healthcare system and prior-authorizations, and that's a Bright Spot. And we finish of with some words of wisdom about peace that will make you say, "Whoa!" 

Sabine VdL talks to Lou Smith, a true trailblazer in the world of financial services and insurance. In today's episode, we'll dive into Lou's incredible journey, explore the vision behind Neuron, and discuss the key takeaways from the latest report that insurance providers need to consider.    KEY TAKEAWAYS We all have moments in life where the last thing we want to look at is out credit rating and history, but those things can affect how you access financial services in the future. Lou was part of the team that delivered the first end-to-end mortgage renewal online, started to break down investments and getting it to the hands of the many rather than the few. Everybody says insurance is behind the rest of the financial services industry, and it's a funny statement. It doesn't matter. What I'm seeing in insurance in the last 5-6 years is that this conversation has circled around about what do we do? But in the last 12-18 months I've seen a passion for how do now think about using digital, distribution models, digital, analytics and AI and thinking of all of those things together and deliver distribution models that start to move industry forward. The challenge is always in leadership, culture and change adoption. This is because it's really difficult to step into an unknown and think it's going to be better than what you're doing today. You want to power people with the data and capabilities so they can do what they're brilliant at, which is focusing on the best product and position for their client. Neuron and others enable brokers to do that. You also want to attract a new generation into the brokering sector, but rather than have them focus on the admin of that sector, they should be having great conversations with clients. All the work we're doing enables brokers to do that.   BEST MOMENTS ‘When starting my career I had a real passion for how to make the services we were offering more successful for clients and customers.'‘We care about the customer and making financial data accessible to you through the narratives we use.'‘I'd love to say this was all planned out, we didn't call it anything or know what it looked like, we just started to bring data and technologies together to build ‘workflow' and that's now become cool.'‘We want to be the easiest, most predictable and consistent broker to work with.'   ABOUT THE GUEST Louise (or Lou) Smith is a trailblazer in the financial services and insurance industries, with a career spanning leadership roles across digital transformation, data, product innovation, distribution, technology, and operations.  Her journey has been marked by groundbreaking achievements, including delivering the UK's first steps into digital distribution at Barclays, leading the digital transformation of the Royal Bank of Scotland (including NatWest) during its turnaround to profitability, and becoming the first-ever Chief Digital Officer at Lloyd's of London.  Currently, Louise is at the helm of Neuron, a transformative initiative aimed at redefining the insurance and financial services landscape. Through Neuron, she is driving innovation, collaboration, and growth, focusing on creating a more connected and customer-centric industry. WTWCO LinkedIn ABOUT THE HOST Sabine is a corporate strategist turned entrepreneur. She is the CEO and Managing Partner of Alchemy Crew a venture lab that accelerates the curation, validation, & commercialization of new tech business models. Sabine is renowned within the insurance sector for building some of the most renowned tech startup accelerators around the world working with over 30 corporate insurers, accelerated over 100 startup ventures. Sabine is the co-editor of the bestseller The INSURTECH Book, a top 50 Women in Tech, a FinTech and InsurTech Influencer, an investor & multi-award winner. Twitter LinkedIn Instagram Facebook  TikTok Email Website This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Trump: Iran and Israel agree to ceasefire; Trump says no Americans injured in Iran's attack on base housing U.S. troops; Insurance companies announce changes to prior authorization process; and more on tonight's broadcast. NBC News has removed video from a previous version of this story out of concerns about its authenticity.

Risa Arin doesn't just talk about health literacy. She built the damn platform. As founder and CEO of XpertPatient.com (yes, expert with no E), Risa's taking a wrecking ball to how cancer education is delivered. A Cornell alum, cancer caregiver, and ex-agency insider who once sold Doritos to teens, she now applies that same marketing muscle to helping patients actually understand the garbage fire that is our healthcare system. We talk about why she left the “complacent social safety” of agency life, how her mom unknowingly used her own site during treatment, what it's like to pitch cancer education after someone pitches warm cookies, and why healthcare should come with a map, a translator, and a refund policy. Risa brings data, chutzpah, and Murphy Brown energy to the conversation—and you'll leave smarter, angrier, and maybe even a little more hopeful.RELATED LINKS• XpertPatient.com• Risa Arin on LinkedIn• XpertPatient & Antidote Partnership• XpertPatient Featured on KTLA• 2024 Health Award BioFEEDBACKLike this episode? Rate and review Out of Patients on your favorite podcast platform. For guest suggestions or sponsorship inquiries, email podcast@matthewzachary.com.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this value-packed episode, host Jimmy McKay sits down with Aaron LeBauer, a leading voice in the cash-based physical therapy world, to bust myths, challenge industry assumptions, and unpack what actually works when building a profitable PT business today. They cover the evolution of PT opportunities post-pandemic, how to position your services in a shifting economy, pricing strategies, the reality of insurance limitations, and why creating genuine value always trumps traditional pathways.Whether you're a new grad or a seasoned PT, this episode will reshape the way you think about the future of physical therapy and entrepreneurship.

For episode 533, Brandon Zemp is joined by Bundeep Singh Rangar, CEO of Fineqia, a digital asset business that builds and targets investments in early and growth-stage technology companies. Fineqia provides investors with institutional grade exposure to opportunities emanating from convergence of blockchain based Decentralized Finance (DeFi) and Traditional Finance (TradFi). Bundeep is a thought leader in blockchain technologies and has spoken at influential events, including Paris Blockchain Week, Insurance 2025 in London, the South Summit in Madrid, the FinTech & InsurTech Digital Congress in Warsaw, and Rakuten's Technology Conference in Tokyo. Learn more about the company’s products and portfolio at www.fineqia.com. ⏳ Timestamps: 0:00 | Introduction1:26 | Who is Bundeep Singh Rangar?8:34 | What is Fineqia?12:36 | Fineqia vetting process14:25 | ETFs vs ETNs22:55 | Regulations in Europe vs U.S.30:04 | ETNs and Bitcoin36:38 | Bitcoin and AI38:37 | Fineqia portfolio companies41:26 | Fineqia roadmap50:28 | Fineqia website & socials51:22 | Events and conferences

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-planning-process

We're halfway through the year, advisors — and you know what that means. It's time to hit pause, get real about what's working (and what's not), and make sure you're set up to finish strong. In this episode, I'm sharing my favorite mid-year exercise: a SQUAD Analysis, plus a peek at how I do my own CEO Day to reset, reprioritize, and refocus for the second half of the year.Here's what you'll learn in this episode: 1️⃣ How to run your own S.Q.U.A.D Analysis (a fresh spin on SWOT just for advisors) 2️⃣ Which strengths you should scale — and which ones you shouldn't 3️⃣ How to spot the quicksand that's secretly dragging you down 4️⃣ The one-page Direction plan to keep you realistic and focused on what matters 5️⃣ How to pick your top 3 goals for the next quarter (without burning yourself out)No matter where you stand right now — ahead, behind, or coasting — this is your chance to recalibrate and play the rest of the year on purpose. Grab a notebook, your favorite coffee (mushroom for me, please), and let's map out a second half you can feel proud of.Check out The First 100 Days Course: The Advisor's Blueprint for a Remarkable Client Experience HERE!Learn more about Asset-Map financial planning software HERE! Learn more about our sponsor Beemo Automation HERE! Learn more about the Group Coaching & Mastermind HERE! Check out the Efficient Advisor YouTube Channel HERE!Connect with Libby on LinkedIn HERE!Successful businesses don't get built alone. You need community! You need collaboration! Join us in The Efficient Advisor Community on Facebook.Check out more FREE resources and our FREE video library at http://www.theefficientadvisor.comLooking for all the resources from this episode? Check out this episode's webpage for show notes, transcripts, downloads and more!

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-planning-process

Insurance is no longer something consumers have to seek out—it's something they're starting to expect, automatically and intuitively. Inspired by The Future of Commerce article on embedded insurance, this episode dives into how embedded insurance is reshaping consumer expectations, bridging protection gaps, and creating entirely new business models.We unpack what embedded insurance actually is, how it differs from traditional models, and why it's poised to become a $722 billion market by 2030. From real-time underwriting to AI-driven personalization, we explore how digital transformation is turning insurance into a value-added service—built into everything from your travel booking to your online cart.What You'll Learn in This Episode:1. What Embedded Insurance Really MeansSeamless integration of insurance into product or service purchasesWhy it's showing up in flights, smartphones, appliances, and even rental platformsHow embedded insurance differs from traditional and aggregate coverage models2. Why Embedded Insurance Is Growing RapidlyForecasted to grow 6x by 2030, especially in North America and AsiaDriven by the demand for convenience, immediacy, and personalizationA customer-centric shift from selling policies to helping people buy protection3. Benefits for Consumers, Businesses, and InsurersFrictionless buying experience and tailored micro-policiesBusinesses boost customer satisfaction, loyalty, and revenueInsurers expand reach and close the global protection gap4. The Technology Powering the TransformationAPIs enabling real-time offers and pricingAI and IoT driving dynamic risk assessments and usage-based coverageBlockchain streamlining claims and increasing transparencyKey Takeaways:Embedded insurance makes protection simpler, more relevant, and part of the purchase journeyIt supports greater access, personalization, and transparency—especially for underserved marketsTechnological advances like AI, IoT, and APIs are powering smarter, more adaptive coverageThis model empowers consumers to get the right protection at the right moment, reducing complexity and improving satisfactionSubscribe to our podcast for expert insights on insurance innovation, digital customer experience, and embedded finance. Visit The Future of Commerce for analysis on how embedded models are reshaping industries. Share this episode with insurance leaders, fintech innovators, and anyone exploring the future of frictionless protection.

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Chiropractor Brian Mann Convicted Poisoned Wife for $1 Million Insurance Scam An Alabama jury has found 36-year-old Brian Mann—once a well-regarded chiropractor in Hartselle—guilty of attempted murder for secretly dosing his estranged wife's “multivitamins” with lead and then taking out a stack of life-insurance policies on her worth more than $1 million. The verdict was read Thursday after roughly three hours of deliberations spread over two days. Mann now faces sentencing on August 27. Hannah Pettey, now 25, told jurors her nightmare began in August 2021 with crippling back and abdominal pain, dizzy spells, and relentless nausea. Over the next few months she shed 40 pounds, eventually hallucinating as her condition spiraled. Mann, she testified, insisted she stay home and keep taking the “immune boosters” he supplied from his clinic—capsules prosecutors say he spiked with lead salvaged from a construction project. While Pettey languished, Mann was busy buying “a lot of insurance policies,” each carrying six-figure payouts if she died. At least one agent testified the flurry of applications was so unusual it triggered an internal review. Mann even asked to raise existing coverage limits while she lay hospitalized. Pettey told jurors Mann appeared “the nicest he'd ever been” during her illness—bringing water, pills, and, crucially, ankle weights. She said he insisted she strap them on before doctor visits so the scale wouldn't reveal her drastic weight loss and jeopardize the new policies that required her to be in “good health.” When Pettey's mother finally rushed her to the hospital, specialists found her lead level hovering around 80 micrograms per deciliter—eight times the threshold considered dangerous. Physicians testified that any movement risked shifting pressure inside her skull; at one point, surgeons irrigated her colon to flush out residual metal. Despite aggressive treatment, Pettey still carries lead in her bones, suffers chronic hand pain, and has been told the poisoning likely left her infertile. As detectives closed in, Mann tried to cast himself—and even the couple's young children—as fellow victims, telling a nurse practitioner he'd spotted “lead fragments” in a self-administered X-ray. A hospital scan did show a suspicious mass in his stomach—but doctors said it appeared freshly swallowed, bolstering prosecutors' claims he ingested lead to stage a false parallel poisoning Pettey described years of manipulation: Mann deleted her social-media accounts, discouraged her from working, and limited contact with her family. Once the investigation began, relatives barred Mann from visiting her in the hospital—an action that initially left her “distraught” until the evidence of foul play became clear. Jurors convicted Mann of attempted murder, rejecting his defense that testing procedures were flawed and that he, too, had been poisoned. He remains in custody awaiting the August 27 sentencing hearing, where he could face decades in prison for a scheme prosecutors say was as methodical as it was merciless. Want to comment and watch this podcast as a video?  Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Chiropractor Brian Mann Convicted Poisoned Wife for $1 Million Insurance Scam An Alabama jury has found 36-year-old Brian Mann—once a well-regarded chiropractor in Hartselle—guilty of attempted murder for secretly dosing his estranged wife's “multivitamins” with lead and then taking out a stack of life-insurance policies on her worth more than $1 million. The verdict was read Thursday after roughly three hours of deliberations spread over two days. Mann now faces sentencing on August 27. Hannah Pettey, now 25, told jurors her nightmare began in August 2021 with crippling back and abdominal pain, dizzy spells, and relentless nausea. Over the next few months she shed 40 pounds, eventually hallucinating as her condition spiraled. Mann, she testified, insisted she stay home and keep taking the “immune boosters” he supplied from his clinic—capsules prosecutors say he spiked with lead salvaged from a construction project. While Pettey languished, Mann was busy buying “a lot of insurance policies,” each carrying six-figure payouts if she died. At least one agent testified the flurry of applications was so unusual it triggered an internal review. Mann even asked to raise existing coverage limits while she lay hospitalized. Pettey told jurors Mann appeared “the nicest he'd ever been” during her illness—bringing water, pills, and, crucially, ankle weights. She said he insisted she strap them on before doctor visits so the scale wouldn't reveal her drastic weight loss and jeopardize the new policies that required her to be in “good health.” When Pettey's mother finally rushed her to the hospital, specialists found her lead level hovering around 80 micrograms per deciliter—eight times the threshold considered dangerous. Physicians testified that any movement risked shifting pressure inside her skull; at one point, surgeons irrigated her colon to flush out residual metal. Despite aggressive treatment, Pettey still carries lead in her bones, suffers chronic hand pain, and has been told the poisoning likely left her infertile. As detectives closed in, Mann tried to cast himself—and even the couple's young children—as fellow victims, telling a nurse practitioner he'd spotted “lead fragments” in a self-administered X-ray. A hospital scan did show a suspicious mass in his stomach—but doctors said it appeared freshly swallowed, bolstering prosecutors' claims he ingested lead to stage a false parallel poisoning Pettey described years of manipulation: Mann deleted her social-media accounts, discouraged her from working, and limited contact with her family. Once the investigation began, relatives barred Mann from visiting her in the hospital—an action that initially left her “distraught” until the evidence of foul play became clear. Jurors convicted Mann of attempted murder, rejecting his defense that testing procedures were flawed and that he, too, had been poisoned. He remains in custody awaiting the August 27 sentencing hearing, where he could face decades in prison for a scheme prosecutors say was as methodical as it was merciless. Want to comment and watch this podcast as a video?  Check out our YouTube Channel. https://www.youtube.com/@hiddenkillerspod Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/tonybpod Listen Ad-Free On Apple Podcasts Here: https://podcasts.apple.com/us/podcast/true-crime-today-premium-plus-ad-free-advance-episode/id1705422872

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-lifestyle

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-challenges

Traditional banking services alone aren't enough to serve the diverse needs of small and medium-sized businesses. Banks need to go further and think of their digital footprint as a launching pad for SMB owners by adding value-added services. On the show today, Mark Valentino, President of Business Banking at Citizens, and Taira Hall, EVP and Head of Enterprise Payments at Citizens, join to talk about how the bank is building more comprehensive solutions through value-added services for SMB customers. Valentino and Hall dive into how the bank is moving away from a purely transactional relationship to become more of a command center for SMB owners, highlighting how SMB owners' needs and the broader focus on CX is leading this change. Tune into the show to explore how traditional FIs can evolve to become modern digital hubs for SMB owners through the addition of Value Added Services like spend management, a focus on APIs, and a robust partnership-first strategy. Both Valentino and Hall provide a strategic overview and practical examples – melding the worlds of business banking and payments together to forge a powerful narrative about how Citizens is evolving to meet the changing expectations of small business owners.

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-challenges

Clark Smith boasts an impressive career spanning over three decades in the financial advisory realm. He embarked on his journey in 1990 as a financial advisor with Dean Witter Reynolds, quickly rising to prominence as the firm's youngest Retirement Planning Specialist by 1993. Specializing in Retirement Financial Planning, Clark has dedicated his career to helping clients achieve their long-term financial goals.His career trajectory continued upward, becoming Vice President of Investments at Prudential Securities in 1995. From 2000 to 2006, Clark served as Vice President of Investments at UBS, further honing his expertise in investment strategies. In 2006, he took a significant leap by becoming a founding partner and portfolio manager at Woodridge Capital Portfolio Management, where his leadership extended to managing a hedge fund at Woodridge Partners from 2008 to 2016.After a brief retirement from 2017 to 2020, Clark re-entered the financial sector as a Senior Financial Advisor and Director of Retail Operations. His commitment to nurturing talent led him to become the Head of Training for Advisormax financial advisors from 2021 to 2024, where he played a pivotal role in shaping the next generation of financial advisors.Clark Smith's career reflects a steadfast dedication to financial excellence and leadership, marked by his strategic vision and commitment to education and mentorship within the industry. His specialization in Retirement Financial Planning underscores his passion for guiding clients towards secure and fulfilling retirements.Learn more: https://goldenyearsria.com/Insurance products are offered through the insurance business Golden Years Financial. Golden Years Financial is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Golden Years Financial are not subject to Investment Adviser requirements. Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income, generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This podcast is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Golden Years Financial is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Golden Years Financial.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-clark-smith-president-of-golden-years-financial-discussing-retirement-lifestyle

Home and contents insurance is a safety net many households expect to rely on during difficult times. But it's also a financial product that even experts can find challenging to navigate. Whether you own or rent your home, understanding your level of cover, knowing what fine print to look out for, and learning how to manage rising premiums can help you make more informed choices as a consumer. - 危及房屋或财产的事件令人不快，但这种情况并不少见。 洪水、野火、暴风雨和飓风等天气事件在澳大利亚许多地方都是家常便饭。 即使您是租房，也可能受到水灾或盗窃等事件的影响。 在本期《解读澳洲》中，我们的专家将为您深入剖析房屋和财产保险的基本知识，包括常见的除外责任、需要注意的细则以及如何应对不断上涨的保费。（点击音频收听详细报道）

Home and contents insurance is a safety net many households expect to rely on during difficult times. But it's also a financial product that even experts can find challenging to navigate. Whether you own or rent your home, understanding your level of cover, knowing what fine print to look out for, and learning how to manage rising premiums can help you make more informed choices as a consumer. - 住宅保険は、万が一のときに頼りになる心強い備えです。しかし、専門家でも仕組みを理解するのが難しいほど複雑なものでもあります。持ち家でも賃貸でも、自分の補償内容を正しく理解し、契約の細かい条件に目を通し、保険料の値上がりにどう対応するかを知っておくことが、納得のいく保険選びにつながります。

At its core, insurance underwriting is about judgment: making sense of messy information, pricing for uncertainty and doing it at speed. Technology and AI should make that easier, but is it really the answer to underwriting's most persistent challenges? In this episode, Robin Merttens speaks to Guillaume Bonnissent, CEO and founder of Quotech, a platform built specifically for underwriting teams. Guillaume brings a rare combination of perspectives: he's a former underwriter who became a technologist and his company reflects that crossover. We begin by reflecting on the past 12 months: what's changed since Guillaume was last on the podcast, and why Quotech's strategy of building for niche underwriting teams has started to gain serious traction. In this conversation, Guillaume talks about: Why underwriters still spend far too much time retyping data The real promise of AI in ingestion and why it's finally deliverable The structural shift from generic platforms to class-specific solutions Why "build vs. buy" debates rarely make sense for MGAs How to build systems that record data usefully, not just store it Why AI can't fix bad inputs, and what that means for underwriting teams We also dig into broader trends: how emerging tech is shifting the role of underwriters, whether AI really is a disruptor or just another tool and why so many companies are still struggling to make basic data available for decision-making. What emerges is a sharp portrait of a market in transition, one that's slowly waking up to the need for class-specific tools, data-first workflows and AI that's genuinely useful. If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Guillaume Bonnissent on LinkedIn to start a conversation! Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Explain the limitations of building in-house technology solutions within MGA and insurer environments. Define the role of recorded underwriting data in enhancing future pricing and risk selection. Identify the ways AI is being realistically — and usefully — applied to solve practical problems in underwriting today. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 360 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

In this episode, we chat to Honourable Shane Jones, member of the NZ government and the Minister for Oceans and Fisheries, Minister for Regional Development, Minister for Resources, Associate Minister of Finance, and Associate Minister for Energy. Shane entered Parliament in 2005 and joined New Zealand First as an MP in 2017. As a proud born and bred Northlander, Shane has always asked the tough questions, identified policy solutions, and accelerated implementation in his political life …and has been a very vocal supporter of the mining industry, including the possibility of seabed mining. He very much sees New Zealand's own natural resources as a pathway to economic prosperity, creating regional wealth and jobs.  On the podcast, we discuss what the mining industry means to NZ, the policies the government have, and are looking to implement to make the industry more attractive and why companies should invest into NZ's mining industry and much more. KEY TAKEAWAYS The New Zealand government, under the leadership of Shane Jones, is committed to revitalising the mining industry, reversing previous bans on oil and gas New Zealand has developed a Critical Minerals List and a mineral strategy aimed at restoring pride in the natural resources sector The introduction of Fast Track legislation aims to streamline the environmental permitting process for mining projects, allowing for quicker allocation of permits  A $200 million co-investment fund has been established to encourage both local and international investment in the mining sector, addressing concerns about potential future government changes BEST MOMENTS "I believe a lot of the climate change hysteria is actually going to wreck Western economies unless we restore some balance to it."  "We've got a kind of figurative Sahara desert of iron sands resource, largely in the ocean."  "Any economy that races ahead, demonises, cancels its fossil fuels industry without an affordable strategy... is dicing with economic calamity."  "No one enjoys a perfect history. So what we've got to do is ensure that mining as it goes forward is strongly defended." VALUABLE RESOURCES A Minerals Strategy for New Zealand - Read more: https://www.mbie.govt.nz/building-and-energy/energy-and-natural-resources/minerals-and-petroleum/strategies/a-minerals-strategy-to-2040 New Zealand's Critical Minerals List - Read more: https://www.mbie.govt.nz/building-and-energy/energy-and-natural-resources/minerals-and-petroleum/critical-minerals-list/critical-minerals-list-2025 Free access to geoscience data: https://www.nzpam.govt.nz/maps-geoscience/geodata-catalogue https://www.nzpam.govt.nz/maps-geoscience/core-store https://www.nzpam.govt.nz/assets/Uploads/the-mineral-potential-of-new-zealand-part-1-overview-of-new-zealands-mineral-deposits-and-their-resources.pdf Improving regulatory settings - Read more: https://www.nzpam.govt.nz/nz-industry/rules-regulations/fast-track-approvals-process Connecting with New Zealand's mining sector - Read more: https://mineralscouncil.co.nz/ -Invest NZ - Read more: https://www.nzte.govt.nz/page/invest-or-raise-capital-with-nzte Mail:        rob@mining-international.org LinkedIn: https://www.linkedin.com/in/rob-tyson-3a26a68/ X:              https://twitter.com/MiningRobTyson YouTube: https://www.youtube.com/c/DigDeepTheMiningPodcast  Web:        http://www.mining-international.org This episode is sponsored by Hawcroft, leaders in property risk management since 1992. They offer: Insurance risk surveys recognised as an industry standard Construction risk reviews Asset criticality assessments and more Working across over 600 sites globally, Hawcroft supports mining, processing, smelting, power, refining, ports, and rail operations. For bespoke property risk management services, visit www.hawcroft.com CONTACT METHOD rob@mining-international.org https://www.linkedin.com/in/rob-tyson-3a26a68/

In this episode, I sat down with Travis Chappell to talk about the real game of entrepreneurship, one that doesn't start with passion, but with leverage, discipline, and picking battles you can actually win. We got into why boring businesses outperform flashy ones, why real estate isn't passive, and how I ended up buying a $52 million company without anyone's permission. If you've ever been told to follow your dreams and hope it works out, this conversation will show you a more honest and more effective path. Grow your business:   https://sweatystartup.com/events   Book:   https://www.amazon.com/Sweaty-Startup-Doing-Boring-Things/dp/006338762X     Newsletter:   https://www.nickhuber.com/newsletter     My Companies:   Offshore recruiting – https://somewhere.com   Cost segregation – https://recostseg.com   Self storage – https://boltstorage.com   RE development – http://www.boltbuilders.com   Brokerage – https://nickhuber.com   Paid ads – https://adrhino.com   SEO – https://boldseo.com   Insurance – https://titanrisk.com   Pest control – https://spidexx.com     Sell a business:   http://nickhuber.com/sell     Buy a business:   https://www.nickhuber.com/buy     Invest with me:   http://nickhuber.com/invest     Social Profiles:   X – https://www.x.com/sweatystartup   Instagram – https://www.instagram.com/sweatystartup   TikTok – https://www.tiktok.com/404?fromUrl=/sweatystartup   LinkedIn – https://www.linkedin.com/in/sweatystartup     Podcasts:   The Sweaty Startup & The Nick Huber Show   https://open.spotify.com/show/7L5zQxijU81xq4SbVYNs81    

Send us a textWelcome back to Laundromat Resource! In this week's episode of Laundromat News Today, your favorite (and only) laundromat news anchor, Jordan Berry, brings you the latest stories from the world of laundromats and all things laundry. Jordan kicks off with a lighthearted rant about travel gurus recommending handwashing clothes over using laundromats, and then dives into practical advice about insurance challenges that owners are facing—don't miss his tips for protecting your investment. Plus, we take a look at some feel-good moments in the industry, from community events providing free laundry to families in need, to laundromats honoring veterans and making a real difference. And if you're a fan of quirky culture, Jordan spotlights a 1960s laundromat-themed musical lighting up the New York off-Broadway scene. Stay tuned for news you can use, a few laughs (and maybe a groaner of a joke or two), and inspiration for laundromat owners who want to give back to their communities!Show notes: https://www.laundromatresource.com/laundromat-news-june-21-2025/Connect With UsYouTubeInstagramFacebookLinkedInTwitterTikTok

"Looking for advice on how to move forward after losing a house in a wildfire. I am a 32 year old man with a wife and one year old daughter. My family all got out safely, and thank God for that. House was a total loss."I am now working with our insurance company on a claim and will be working to rebuild. I am thankful my daughter is probably not old enough to remember this or feel any sense of loss over the house. For her it will be a cool story when she gets older. But there was a ton of sentimentally valuable stuff in there that is irreplaceable, like my wife's wedding dress and a bunch of other wedding related things, probably a hundred books marked up with my personal notes and underlines while I was reading them, and much more."I am also thankful to have a good church community and a lot of people who are eager to help us get back on our feet.This is the most devastating disaster I've ever experienced. How do I get it together and move forward from this? How do I keep my wide comforted and make sure she is okay? How do I get my mind right for navigating insurance claims and the rebuilding process? Any help from philosophy would be appreciated."GET MY NEW BOOK 'PEACEFUL PARENTING', THE INTERACTIVE PEACEFUL PARENTING AI, AND THE FULL AUDIOBOOK!https://peacefulparenting.com/Join the PREMIUM philosophy community on the web for free!Subscribers get 12 HOURS on the "Truth About the French Revolution," multiple interactive multi-lingual philosophy AIs trained on thousands of hours of my material - as well as AIs for Real-Time Relationships, Bitcoin, Peaceful Parenting, and Call-In Shows!You also receive private livestreams, HUNDREDS of exclusive premium shows, early release podcasts, the 22 Part History of Philosophers series and much more!See you soon!https://freedomain.locals.com/support/promo/UPB2025

In the first episode of our Plečnik series on his work for Ljubljana, we discussed a few of his less well known works, including his work for the Chamber of Commerce, the Triglav Insurance Company Palace and Congress Square. In the next episode we will discuss his designs for the city's riverfront. To follow along with the images which accompany the discussion, watch this episode on YouTube: https://youtu.be/te2VWMNoHx4 Edited by Matthew Lloyd Roberts. Support the show on Patreon to receive bonus content for every show. Please rate and review the show on your podcast store to help other people find us! Follow us on twitter // instagram // facebook We're on the web at aboutbuildingsandcities.org This podcast is powered by Pinecast.

Ever wondered how AI is transforming the insurance industry? In this episode of the FNO: InsureTech podcast, hosts Rob Beller and Lee Boyd welcome back Robin Roberson for her second appearance—this time as President and Co-founder of Agentech. Robin shares her entrepreneurial journey and dives into how Agentech's cutting-edge AI is shaking up insurance claims. Get ready for insights, surprises, and a jaw-dropping stat about AI's impact that'll make you hit play!  Key Highlights  • Robin's entrepreneurial spark: Yarn belts to WeGoLook to Agentech, a trailblazing journey.  • Agentech's Oklahoma roots: $3 million seed round fueling an AI-driven claims revolution.  • Agentech AI's edge: Digital coworkers outsmarting traditional AI in claims workflows.  • Automation breakthroughs: Damage reports and file reviews streamlined by AI tools.  • Snapsheet partnership: Agentech's tech supercharging adjuster productivity by 4X.  • Insurance's future: Agentech's potential to reshape carriers, TPAs, and beyond.  Notable Quotes  • “Agentech's AI isn't prompt-based; it's like digital coworkers achieving goals autonomously, making adjusters' lives easier.” — Robin Roberson  • “We're not replacing adjusters; we're giving them a team to handle mundane tasks so they can focus on complex decisions.” — Robin Roberson  • “Stealth mode let us refine our tech with design partners, ensuring it was market-ready before we announced it.” — Robin Roberson  • “Our tech has cut claims costs by 67% and boosted productivity 4X—it's a game-changer for insurance.” — Robin Roberson 

Nine months into her role as Chief Product and Technology Officer at Temenos, Barb Morgan is focused on a simple principle when it comes to product strategy: quality over quantity. "We want to build less, but build it better," Morgan said during a conversation at the Temenos Regional Forum Americas 2025 held May 28-30 in Miami. Temenos' approach centers on co-creating meaningful solutions with bank customers rather than rushing to market with multiple products. Morgan emphasized that the company is "really focused on making sure that whatever we put out there is meaningful," as the industry navigates what she calls the "AI hype curve." Morgan's insights reveal why many banks struggle with AI adoption despite the technology's promise. The real barriers aren't about computing power or algorithms — they're messier problems involving decades-old data systems that were never designed for AI and organizational cultures that haven't caught up to the pace of technological change. Her conversation also detailed Temenos' bet on bringing innovation closer to customers, such as through its new hub in Orlando designed for co-creation, and why the company is taking a strategic and deeply integrated approach to AI that enables banks to deploy AI-powered solutions faster and safer.

What does it take to build a thriving real estate business from scratch—while raising three kids as a single mom? In this episode of the Real Estate Excellence Podcast, Tracy Hayes sits down with Beverly Hecht, a top Jacksonville Beach realtor, who shares her compelling journey from IT sales to becoming a real estate powerhouse. A Jacksonville native with deep community roots, Beverly dives into how her corporate discipline, single-mom tenacity, and relentless drive helped her transition into real estate and build a loyal client base along Florida's First Coast. From navigating tough markets like 2008's crash to today's complex insurance landscape and evolving buyer expectations, Beverly offers rich insights and strategies that new and seasoned agents alike can benefit from. Her love for the beaches, community involvement, and commitment to lifelong learning truly set her apart in a competitive industry. Loved Beverly's story? Subscribe now and leave us a review! Share this episode with someone who dreams of turning obstacles into opportunity in the real estate world.   Highlights: 00:00 - 04:30 Beverly's Early Career & Transition ·        Shifts in buyer behavior ·        Parenting perspectives on adulthood ·        Helping all age groups purchase homes ·        Insight into young vs. seasoned buyers ·        Real estate as a path to wealth 04:31 - 11:00 Navigating Generational Differences ·        Pursuing teaching for family time ·        Corporate-sponsored bachelor's degree ·        Missed opportunity at UF master's program ·        Management and HR experience ·        Reflection on shifting corporate values 11:01 - 20:00 Jacksonville's Unique Real Estate Market ·        Geographic and lifestyle diversity ·        Schools' influence on buying decisions ·        Customized client tours ·        Community needs: golf, beach, fitness ·        Real-life relocation scenarios 20:01 - 27:00 Insurance Woes & Structural Challenges ·        Florida's condo insurance chaos ·        Effects of new regulations ·        Firsthand experience with rising premiums ·        Advice for home buyers ·        Navigating inspections and requirements 27:01 - 00:38:00 Insurance, Market Challenges, and Pricing ·        Shifts in market dynamics ·        Personal sacrifices during 2008 crisis ·        Foreclosures and investor impact ·        Strategy for buyers in today's market ·        Education on value vs. price 38:01 – 01:11:03 Agent Growth & New Market Realities ·        Helping buyers in a high-rate environment ·        Tips for new agents post-NAR changes ·        The power of open houses ·        Buyer rep agreements and their perception ·        Risk management in today's market ·        Conclusion   Quotes: “I feel very fortunate that I come from a corporate background where there were methods and procedures.” – Beverly Hecht “You're not going to get the perfect storm—low rates and low home prices with the home you want.” – Beverly Hecht “My heart's not in working with investors looking to take advantage of people.” – Beverly Hecht “Real estate does more for me than sometimes I think it does for them.” – Beverly Hecht   To contact Beverly Hecht, learn more about her business, and make her a part of your network, make sure to follow her on her Website, Instagram, Facebook, and LinkedIn.   Connect with Beverly Hecht! Website: https://www.beverlyhechtrealtor.com Instagram: https://www.instagram.com/beverlyhecht/ Facebook: https://www.facebook.com/beverlyhechtpa/ LinkedIn: https://www.linkedin.com/in/beverlyhechtpa/   Connect with me! Website: toprealtorjacksonville.com   Website: toprealtorstaugustine.com    SUBSCRIBE & LEAVE A 5-STAR REVIEW as we discuss real estate excellence with the best of the best.   #RealEstateExcellence #JacksonvilleRealtor #BeverlyHecht #BeachLifeHomes #RealEstatePodcast #WomenInRealEstate #RealEstateGrit #FloridaHomes #RelocationExpert #HousingMarket2025 #HomeBuyers #RealEstateTips #RealtorLife #SingleMomSuccess #MarketInsights #BuyersMarket #CondoLiving #RealEstateEducation #FloridaInsurance #LocalLeadership

Sarah reflects on the insurance licensing process one year after passing the exam. Listen as she outlines her journey, how to get started, and what she learned along the way.   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025 FMO vs. IMO vs. NMO vs. MGA vs. GA: What's the Difference? https://lnk.to/asg658 Making Your Own Luck ft. Michael Krantz: https://lnk.to/krantz2025 Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Summer 2025 Survival Guide: https://lnk.to/asgf20250606 What is AHIP Certification and How Do I Get It? https://lnk.to/asg672   References: “Insurance Departments by State.” Content.Naic.Org, NAIC, content.naic.org/state-insurance-departments. Accessed 10 June 2025. “Multiple Choice Test Taking Strategies.” Dmu.Edu, Des Moines University, www.dmu.edu/wp-content/uploads/MULTIPLE-CHOICE-TEST-TAKING-STRATEGIES.pdf. Accessed 10 June 2025. “NAIC - National Association of Insurance Commissioners.” Naic.Org, NAIC, content.naic.org/. Accessed 10 June 2025. “NIPR - National Insurance Producer Registry.” Nipr.Com, National Insurance Producer Registry, nipr.com/. Accessed 10 June 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Today we are tackling a variety of topics starting off with a few questions regarding Public Service Loan Forgiveness. We talk about looking for disability insurance as a resident and then answer a few questions about bonds. We wrap up with a question about calculating how much money you need for retirement. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Angel Studios https://Angel.com/ToddBecome a Premium Angel Studios Guild member to watch The King of Kings, stream all fan-curated shows and movies, and get 2 free tickets to every Angel Studios theatrical release. Alan's Soaps https://www.AlansArtisanSoaps.comUse coupon code TODD to save an additional 10% off the bundle price.Bioptimizers https://Bioptimizers.com/toddEnter promo code TODD to get 10% off your order of Berberine Breakthrough today.Bizable https://GoBizable.comUntie your business exposure from your personal exposure with BiZABLE.  Schedule your FREE consultation at GoBizAble.com today.  Bonefrog https://BonefrogCoffee.com/toddThe new GOLDEN AGE is here!  Use code TODD at checkout to receive 10% off your first purchase and 15% on subscriptions.Bulwark Capital https://KnowYourRiskPodcast.comBe confident in your portfolio with Bulwark! Schedule your free Know Your Risk Portfolio review. Go to KnowYourRiskPodcast.com today.Renue Healthcare https://Renue.Healthcare/ToddYour journey to a better life starts at Renue Healthcare. Visit https://Renue.Healthcare/ToddLISTEN and SUBSCRIBE at:The Todd Herman Show - Podcast - Apple PodcastsThe Todd Herman Show | Podcast on SpotifyWATCH and SUBSCRIBE at: Todd Herman - The Todd Herman Show - YouTubeThere is no health insurance in the United States of America. I'll explain why…Episode Links:Then and now. History airbrushed: the former dictator of New Zealand. Open Letter to Robert F. Kennedy, Jr. - Mary Talley Bowden MD “I was panicking.” Grace Schara's sister describes begging nurses to save her sister, to no avail. Nurses maxed out her sedatives, doctor put a DNR on her chart without the family knowing.  Family's screams to save her were ignored.This woman is a Board Certified Emergency Medicine Physician in America. She says she's seeing more and more doctors leave practicing medicine because what US Health Insurance companies are doing to healthcare. She explains why, this is important information:US Health Insurance companies denying pain medication requests AND RECOMMENDING PUTTING PATIENTS ON FENTANYLAmerican “I pay a thousand dollars a month for health insurance. ”He just went to the doctor and got the bill, it was $150 up front + $1,475 billed. Insurance only covered $182. He pays $1,443. He called and asked, without health insurance it would have been $500. This is a scam

In this epsisode of Insurance Town the mayor sits down with two of his favorite people Jessica Holder and Keenan Rice on a previously recorded episode of the VIP Podcast. I am so impressed with these two, their marriage, parenting, agency, etc  this forward-thinking power couple are continuing to rise above and face various challenges head on. Jessica and Keenan have such an amazing balance at home and at the office. They have a great balance of community involvement and innovative technology at their fingertips, and lastly, they have a great balance of work and fun in their agency. We talk about:The delicate balance of marriage and co-ownership of a growing agencyHow human touch and community involvement is possible with the right technology in your agencyHow the emphases on educating their community on the intricacies of insurance is so valuable to their growthTheir powerful message of staying true to yourself and not sacrificing authenticity Get ready to be inspired and educated by this episode. It's a good thing there is a rewind button, this one is full of impactful moments.A special shout out to Vertafore for letting me reuse this episode : vertafore.com  A Special Thanks to Our Sponsors:

In this episode of Modern Chiropractic Mastery, host Dr. Kevin Christie dives deep into creating the best patient experience in a chiropractic practice by addressing multifactorial elements like service, hospitality, and efficient systems. Dr. Christie interviews Kathy Weidner from KMC University, an expert with over four decades of experience in chiropractic. The focus is primarily on optimizing the revenue cycle, especially for practices dealing with in-network insurance. Weidner shares practical strategies to make insurance processes seamless and less of a headache, highlighting the importance of proper intake, verification, and understanding medical review policies. They also tackle common pitfalls in charge capture, denial management, and the crucial role of robust documentation and coding. Both emphasize the value of patient experience coordinators and the significance of systems that can handle service diversification to increase profitability. Listeners are encouraged to train their team effectively to manage these complexities.

In this episode of the Less Insurance Dependence Podcast, co-host Michael Walker welcomes Dr. Brad Hughes, a dentist and purpose-driven entrepreneur, for an insightful conversation on building practices that thrive without relying on PPOs. Dr. Hughes opens up about the mindset shifts that helped him move from burnout to fulfillment. He highlights the importance of building a brand rooted in authenticity, creating a team-driven patient experience, and gaining clarity around your business vision. Whether you're taking your first steps toward reducing insurance dependence or refining an established fee-for-service model, this episode offers practical strategies and powerful perspectives to help you lead your practice with clarity, confidence, and purpose. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/  If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/ 

Are you ready for retirement? Do you know what you need or need to do, so that you can retire? When my late wife would ask me when I wanted to retire, my answer was normally "yesterday." But are we ready for retirement?  Can being a podcast host only support me in retirement? Today's podcast guest is Michael A. Scarpati, co-founder and CEO of www.Retire.US who shares a vision in financial empowerment. His platform caters to over 35,000 soon-to-be retirees, providing guidance to help them plan for retirement while also supporting their families. With over 15 years in the financial services industry, Michael aligns perfectly with your podcast's mission of eliminating financial bullies, offering unique insights on achieving financial flexibility across generations. Shawn, George and Michael talk about financial consciousness, the mindset of debt, paying off debt, and retirement. We talk about the four Levels of a healthy mindset: (1) Mindfulness, (2) Basic Planning, (3) Tax Mastery & (4) Wealth Mastery.  We also talk about removing red flags, goal planning and cash flow planning during retirement. 'More information can be found on Michael's website, or you can follow him on Instagram and LinkedIn. Let us know if you enjoy this episode and, if so, please share it with your friends! Please also visit our sponsor Sam Cohen of Attorneys First Insurance for Attorneys and Title Companies looking to get a quote on Errors & Ommissions (malpractice) Insurance coverage. www.AttorneysFirst.com.   Or, you can support the show by visiting our Patreon page: https://www.patreon.com/crushingDebt   To contact George Curbelo, you can email him at GCFinancialCoach21@gmail.com or follow his Tiktok channel - https://www.tiktok.com/@curbelofinancialcoach   To contact Shawn Yesner, you can email him at Shawn@Yesnerlaw.com or visit www.YesnerLaw.com. 

Today's show:In this episode, @Jason and @alex explore how AI is reshaping the economy—from Pano AI's $44M raise to fight wildfires with drones, to Amazon CEO Andy Jassy's memo foreshadowing white-collar job cuts, to Meta's stealth move poaching Scale AI talent. They dig into the collapse of early-career roles, the slow disappearance of the gig economy safety net, and why founders may want to think twice before building in public.Timestamps:(1:52) Travel chaos, laundry issues, and the Airbnb event(3:05) CO2 conference highlights and Zipline drone delivery innovation(5:24) AI's effect on job disruption and white-collar retraining(09:46) Squarespace - Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(11:01) Jassy on AI's workforce impact and boosting teacher roles(13:23) Media evolution: market resilience and direct communication strategies(20:08) INBOUND - Use code TWIST10 for 10% o your General Admission ticket at https://www.inbound.com/register (Valid thru 7/31)(21:14) OpenAI's podcast, corporate media shifts, and Twist 500 highlights(30:02) NWRA - Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit northwestregisteredagent.com/twist today!(31:20) Insurance, AI, and OpenAI's enterprise focus(41:11) Meta and Traversal's AI bets; startup transparency(48:57) TikTok, US-China tension, and data privacy debate(56:43) Actuality.ai's platform for AI-driven RFPs and enterprise pricing insights(1:11:00) Wrap-up and final thoughts with Rishab GuptaSubscribe to the TWiST500 newsletter: https://ticker.thisweekinstartups.comCheck out the TWIST500: https://www.twist500.comSubscribe to This Week in Startups on Apple: https://rb.gy/v19fcpFollow Alex:X: https://x.com/alexLinkedIn: ⁠https://www.linkedin.com/in/alexwilhelmFollow Jason:X: https://twitter.com/JasonLinkedIn: https://www.linkedin.com/in/jasoncalacanisThank you to our partners:(09:46) Squarespace - Use offer code TWIST to save 10% off your first purchase of a website or domain at https://www.Squarespace.com/TWIST(20:08) INBOUND - Use code TWIST10 for 10% o your General Admission ticket at https://www.inbound.com/register (Valid thru 7/31)(30:02) NWRA - Form your entire business identity in just 10 clicks and 10 minutes. Get more privacy, more options, and more done—visit northwestregisteredagent.com/twist today!Great TWIST interviews: Will Guidara, Eoghan McCabe, Steve Huffman, Brian Chesky, Bob Moesta, Aaron Levie, Sophia Amoruso, Reid Hoffman, Frank Slootman, Billy McFarlandCheck out Jason's suite of newsletters: https://substack.com/@calacanisFollow TWiST:Twitter: https://twitter.com/TWiStartupsYouTube: https://www.youtube.com/thisweekinInstagram: https://www.instagram.com/thisweekinstartupsTikTok: https://www.tiktok.com/@thisweekinstartupsSubstack: https://twistartups.substack.comSubscribe to the Founder University Podcast: https://www.youtube.com/@founderuniversity1916

In this conversation, OP Almaraz and Steve Severaid discuss the ongoing challenges faced by homeowners in the aftermath of the Palisades Fire. They delve into the complexities of insurance claims, the importance of understanding additional living expenses, and the unique difficulties associated with total losses. The conversation emphasizes the need for thorough documentation and proactive communication with insurance companies to navigate the recovery process effectively. They also highlight the long-term implications of rebuilding in affected areas and the importance of being prepared for the challenges ahead. This conversation delves into the complexities of insurance and the impact of wildfires on communities. It discusses the new legislation regarding insurance replacement policies, the challenges of underinsurance, and the importance of accurate coverage. The speakers emphasize the need for homeowners to conduct annual policy reviews and understand the implications of their insurance decisions. They also explore the financial challenges faced by homeowners post-wildfire and the ongoing need for awareness and preparedness in the face of natural disasters. Highlights: 00:00 Introduction to the Palisades Fire Impact 03:01 Navigating Insurance Challenges Post-Fire 06:04 Understanding Additional Living Expenses 09:02 Total Losses and Rebuilding Challenges 12:11 The Importance of Documentation and Digital Scans 14:59 The Long Road to Recovery 17:53 The Future of Rebuilding in Affected Areas 29:41 The Impact of Wildfires on Communities 31:58 New Legislation and Insurance Replacement Policies 34:28 Understanding Insurance Limits and Underinsurance 36:39 The Importance of Accurate Insurance Coverage 41:05 Annual Policy Reviews and Homeowner Responsibilities 43:45 Risk Transfer and the Value of Insurance 44:25 Mortgage Implications After a Loss 48:04 Navigating Financial Challenges Post-Wildfire 51:34 The Ongoing Need for Awareness and Preparedness Takeaways The Palisades Fire has created a complex recovery situation for homeowners. Insurance companies respond differently to claims, complicating the process. Homeowners must advocate for their specific needs during recovery. Environmental contaminants pose new challenges for cleaning and restoration. Patience is essential when dealing with insurance claims post-fire. Additional living expenses can be negotiated with insurance companies. Total losses present unique challenges in the rebuilding process. Documentation, including digital scans, is crucial for claims. Communication with insurance adjusters must be documented to avoid issues later. Rebuilding in affected areas will take time and may be chaotic.  People are selling their homes due to the impact of wildfires. New legislation allows homeowners to buy new properties without land value deductions. Many homeowners are underinsured, leading to financial challenges after a loss. Insurance policies often do not reflect the true cost of rebuilding. Homeowners should conduct annual reviews of their insurance policies. Extended replacement costs should not be relied upon for coverage calculations. Insurance is a risk transfer tool that protects homeowners financially. Mortgage companies typically hold insurance payouts in trust accounts during rebuilding. Some homeowners are considering selling their lots after a loss. Awareness and preparedness are crucial for homeowners in wildfire-prone areas.