Podcasts about investment advisors

Death by Boomer with Jeff Styles! Jeff's State of the Union! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/m/ ALL THINGS JEFF STYLES: www.thejeffstyles.com ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Federal Employees With $1M TSP Should Watch This — deeper insights on TSP retirement strategy, risk management, and portfolio allocation for federal benefits planning.

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.co ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

We're joined by pro golfer and former U of M Bison and Saskatchewan Amateur winner Charlie Boyechko. He's currently in the Phoenix area playing mini tours. We chat about how he got into golf, playing competitively as a junior, MJT, Falcon Lake, St. Charles, Pine Ridge, Stew Bannatyne, Rob McMillan, Saskatchewan Amateur, what separate's tour players from money making tour players, how to improve your game, the pro grind, putters, so much more! Enjoy!  18 Over Par with Mike & JR is proudly presented by Bryce Matlashewski who is an Investment Advisor with Endeavour Wealth Management, part of IA Private Wealth, and a member of the Canadian Investor Protection Fund. You can contact Bryce at 204-515-3446 or connect with him here https://eighteenoverpar.podbean.com/  Follow us on Instagram, X, and MySpace https://linktr.ee/18overpar 

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

As fiduciaries, when we review a $1 million TSP portfolio, our first priority isn't performance — it's protecting retirement income from sequence of returns risk, inflation, and unnecessary tax exposure.”

Death by Boomer with Jeff Styles! WHAT WOULD YOU DO! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/m/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

I've reviewed thousands of federal employee TSP accounts. And the biggest losses usually don't come from market crashes. They come from withdrawal timing, fund allocation at the wrong life stage, and not understanding your three options when you retire.In this video, we break down the most overlooked Thrift Savings Plan mistakes, including sequence of returns risk, TSP withdrawal rules, and rollover decisions that can significantly impact long-term retirement income.

The Federal Reserve reports that U.S. families hit record highs in wealth over the past three years. But here's the paradox: millions can't cover a $400 surprise bill. What does this mean for family financial planning? Learn more at https://www.goldstonefinancialgroup.com Goldstone Financial Group City: Oakbrook Terrace Address: 18W140 Butterfield Road Website: https://www.goldstonefinancialgroup.com/ Phone: +1 630 620 9300 Email: contactus@goldstonefg.com

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

“Federal retirement planning doesn't need to be a 60-page binder. Most near-retirees only face two or three major decisions that truly determine their long-term income, tax efficiency, and peace of mind.”If you're a federal employee approaching retirement and wondering how to structure your TSP withdrawals, coordinate FEHB with Medicare, or decide when to claim Social Security, this episode breaks down a simpler, step-by-step approach designed to create clarity instead of overwhelm. Click “Show More” to see how the Chartered Retirement Course works.

Death by Boomer with Jeff Styles! Read a book! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/m/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

We examine a realistic scenario for a client with a $750,000 TSP/401(K) and a $40,000 pension, focusing on adjustments in fund allocation, and a financial scenario for "Bill" vs. "Jack", one begins withdrawing $3,000 monthly from his TSP and takes Social Security at 62. Understanding crucial aspects like TSP distributions, retirement income, and tax planning is key, and we explore how a bucket strategy retirement approach can help manage these changes effectively.

How do the world's smartest institutional investors actually allocate capital?In this episode, we sit down with Nolan, a veteran CIO with over two decades of experience allocating capital for endowments, foundations, family offices, and healthcare systems — overseeing more than $90B in assets across public and private markets.We go deep into how institutions think about risk, liquidity, and long-term returns, why venture capital remains a power-law game, and how investors are navigating today's biggest shifts — from AI and private credit to diversification risks and market cycles.This conversation pulls back the curtain on how capital is really deployed behind closed doors — especially in a world where exits are slower, fundraising is harder, and everyone is asking whether we're closer to 1997… or 1999.⭐ Sponsored by Podcast10x - Podcasting agency for VCs - https://podcast10x.comWhat you'll learn in this episode:- How institutions decide how much risk they can truly take- Why venture capital allocations haven't disappeared — but have slowed- Private credit vs venture capital: how LPs actually think about the trade-off- How AI is reshaping portfolios across public and private markets- Why diversification matters more now than during bull markets- What CIOs are watching for as we head into 2026Whether you're a fund manager, LP, founder, or just curious about how institutional money really works, this episode offers rare, first-principles insight into long-term capital allocation.(00:00) - Podcast Teaser: Risk, Returns, and Venture Capital (00:48) - Introduction to Nolan Bean and FEG Investment Advisors (02:20) - Nolan's Career Journey: From Associate to CIO (03:16) - What is FEG and the Outsourced CIO (OCIO) Model? (05:18) - The Four Key Risks for Institutional Investors (08:32) - Ranking Institutions by Risk Appetite (10:20) - A Breakdown of Institutional Asset Classes (13:05) - Institutional Openness to New Investment Strategies (15:30) - The Evolving Landscape of Venture Capital (17:36) - Why VC Fundraising Has Slowed Down (19:12) - Venture Capital vs. Private Credit: An Institutional Debate (21:32) - Current Institutional Preferences in VC Funds (Stage & Sector) (24:01) - Evaluating the Risk of an AI Bubble (26:54) - Domestic vs. Global Allocations (29:19) - The Unspoken Need for Diversification (31:29) - Commodities as a Portfolio Hedge (34:29) - Advice for Fund Managers Raising Capital (36:22) - Market Outlook and Expectations for 2026Connect with Nolan:https://www.linkedin.com/in/nolanbean/Podcast Links:Prashant Choubey - https://www.linkedin.com/in/choubeysahabSubscribe to VC10X newsletter - https://vc10x.beehiiv.comSubscribe on YouTube - https://youtube.com/@VC10X Subscribe on Apple Podcasts - https://podcasts.apple.com/us/podcast/vc10x-investing-venture-capital-asset-management-private/id1632806986Subscribe on Spotify - https://open.spotify.com/show/7F7KEhXNhTx1bKTBFgzv3k?si=WgQ4ozMiQJ-6nowj6wBgqQVC10X website - https://vc10x.comFor sponsorship queries, reach out to prashantchoubey3@gmail.com

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Retirement is not what it used to be – for a variety of reasons. A recent survey from the Bank of Montreal suggests it's becoming more difficult for Canadians to save like their parents did.Is that true?Host Kris McCusker speaks to John Sacke, Investment Advisor and Portfolio Manager for BMO Private Wealth about new trends - both the good and bad - and how young Canadians can capitalize to avoid making the same mistakes as their parents. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky

Federal employees near retirement: keeping the same TSP allocation you used at 35 could quietly erode your lifetime income, cost you tax flexibility, and expose your savings to sequence-of-returns risk that drains six figures from your hard-earned balance.Learn the three common TSP mistakes that many federal workers make — and how distribution planning, withdrawal mechanics, and retirement options can make a strategic difference. Get your FREE TSP Retirement Strategy Guide and avoid costly mistakes https://cdfinancial.org/tsp%20free%20guideSequence-of-returns risk, proportional TSP withdrawals, and knowing your post-retirement options are three often-overlooked factors that matter more than your accumulation strategy.Socials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

Lessons in leadership from Navy SEALs reveal how aggressive action, humility, and extreme ownership shape high-performing teams in business and life.”This video breaks down real leadership lessons from Navy SEAL training and applies them to everyday leadership, teamwork, and accountability. If you lead a team, a business, or a family, these principles matter.

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

If you have a defined benefit pension, everything from when you claim Social Security to how you draw your TSP/401k changes — because guaranteed income becomes your foundation for smarter retirement planning.

Turning retirement savings into a reliable "paycheck for life" is the goal for many. Learn how strategic income planning can make that a reality, regardless of market swings. Visit https://www.goldstonefinancialgroup.com/retirement-planning/ to learn more. Goldstone Financial Group City: Oakbrook Terrace Address: 18W140 Butterfield Road Website: https://www.goldstonefinancialgroup.com/ Phone: +1 630 620 9300 Email: contactus@goldstonefg.com

Death by Boomer with Jeff Styles! SCREENS! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/m/ ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Navy SEAL leadership traits aren't complicated— they're executed under pressure: cover and move (teamwork), simplify the mission, prioritize and execute, and decentralized command (empowerment). If you've ever led a team in business or a federal agency and felt moments of chaos, this framework will feel immediately practical—click “Show More” for the full breakdown.

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Federal retirement planning shouldn't start when you're filling out the retirement packet — by then, you're making lifetime decisions under a deadline. Planning early gives you time to align your benefits with your goals.Learn how to complete your federal retirement paperwork accurately, understand benefit elections, TSP options, survivor benefits, and the retirement submission process before you're up against the clock.We offer you a FREE 15-minute call to ask questions and start understanding whether you have a real retirement plan or just the idea of one. Schedule here: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre You “Shutdown-Proof” for Retirement?, find out here: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8bNewsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

January 2026 Sustainable Stock and ETF Picks… Covers the world's most sustainable companies, cleantech and renewable energy stocks, and more. By Ron Robins, MBA Transcript & Links, Episode 163, January 23, 2026 Hello, Ron Robins here. Welcome to my podcast episode 163, published on January 23, 2025, titled "January 2026 Sustainable Stock and ETF Picks." This podcast is presented by Investing for the Soul. Investingforthesoul.com is your go-to site for vital global, ethical, and sustainable investing mentoring, news, commentary, information, and resources. Remember that you can find a full transcript and links to content, including stock symbols and bonus material, on this episode's podcast page at investingforthesoul.com/podcasts. Also, a reminder. I do not evaluate any of the stocks or funds mentioned in these podcasts, and I don't receive any compensation from anyone covered in these podcasts. Furthermore, I will reveal any investments I have in the investments mentioned herein. I have a huge crop of 24 articles for you in this podcast! Note: Some companies are covered more than once. Now with so many articles to potentially cover, I've chosen 6 to quote from. The other 18 can be found with their titles and links on the webpage for this podcast edition. ------------------------------------------------------------- The 2026 Global 100 list puts speed in the spotlight The first article I'm quoting from is hot off the press and is about one of my favourite company rankings! It's titled The 2026 Global 100 list puts speed in the spotlight on corporateknights.com. The introduction is by Tristan Bronca. Here's some of what he says. "As the global economic transition accelerates, more companies are recognizing that sustainability isn't just good marketing – it's good for business, too… This was the animating spirit of the new methodology behind the Corporate Knights Global 100 ranking. The revised methodology introduces 'sustainable revenue momentum' to measure how fast companies are growing their sustainable revenues. A change of method Last year, sustainable revenues and investments together accounted for 50% of the score, and the other 50% was scored across 22 common environmental, governance and social performance indicators (KPIs) such as water use, emissions, workplace fatalities, and diversity on the board and among executives. The change has reordered the deck in a big way… A dramatic departure? 'In terms of performance, the G100 companies are back in top form, beating the benchmark MSCI AWCI index over the past year,' Toby Heaps says, referring to a stock market index of 85% of global investable equities across almost 50 countries." End quotes. Incidentally, the top five companies are ERG SpA (ERG.MI), Pandora A/S (PNDORA.CO), EDP Renováveis SA (EDP.LS), Fluence Energy, Inc. (FLNC), and Taiwan High Speed Rail Corp. (2633.TW). ------------------------------------------------------------ Top 4 Clean Tech Companies to Watch in 2026 This next article brings us back to highly familiar territory. It's titled Top 4 Clean Tech Companies to Watch in 2026 on carboncredits.com and is by Jennifer L. Here are some brief quotes. "1. NextEra Energy (NEE) is the largest clean energy company in the world. It owns and operates wind farms, solar fields, and battery storage systems across the United States… NextEra has also increased its dividend for more than 26 years in a row. 2. First Solar (FSLR) is one of the top makers of solar panels worldwide. It uses a technology called thin‑film photovoltaic modules. These panels are lighter, use fewer raw materials, and often perform better in hot climates compared to traditional silicon panels. The company builds large solar power plants that send power to utilities and corporate customers… Financially, First Solar is a strong player. Its market cap was around $24 billion in 2025, and it has shown double‑digit revenue growth. 3. Bloom Energy (BE) makes a special type of power generator called a solid‑oxide fuel cell. These units produce electricity efficiently and with low emissions. Customers include data centers, large buildings, and industrial sites that need reliable power without high carbon output. Bloom's fuel cells can run on hydrogen or biogas, which makes them flexible for future clean energy systems… Premium financial news reported that its stock jumped more than 410 % in 2025 after strong earnings results. 4. Plug Power (PLUG) focuses on hydrogen fuel cell systems. Its products are designed to replace traditional batteries and fossil fuels in heavy equipment, forklifts, and industrial vehicles. The company is also building hydrogen production and fueling infrastructure across North America and Europe. This supports a broader 'green hydrogen' economy… Plug Power has faced financial challenges, including consistent net losses and stock price volatility… Its long‑term growth story depends on hydrogen demand and policy support worldwide." End quotes. ------------------------------------------------------------- 3 ESG Stocks to Add to Your Portfolio for Sustainable Returns in 2026 - December 30, 2025 The third article I've chosen to quote from is titled 3 ESG Stocks to Add to Your Portfolio for Sustainable Returns in 2026 - December 30, 2025 on zacks.com. It's By Aniruddha Ganguly. Now, some quotes from the article. "1. NVIDIA (NVDA) achieved 100% renewable electricity for all its global offices and controlled data centers in fiscal 2025. This Zacks Rank #1 (Strong Buy) company targets to reduce direct emissions by 50% for operations (Scope 1) and electricity consumption (Scope 2) by 2030… The Zacks Consensus Estimate for fiscal 2026 increased a couple of cents to $4.66 per share, indicating 55.9% growth from the figure reported in fiscal 2025. (NVDA - Free Report). 2. IDEXX Laboratories (IDXX) is a developer, manufacturer and distributor of products and services primarily for the companion animal veterinary, livestock and poultry, water testing and dairy markets. IDEXX has set goals to reduce Scope 1 and 2 greenhouse gas emissions and aims to source 100% renewable electricity by 2030… This Zacks Rank #2 (Buy) company plans to improve diversity and representation of underrepresented groups… IDEXX shares have surged 66% in the trailing 12-month period. The Zacks Consensus Estimate for 2026 earnings has been steady at $14.42 per share, indicating 11.7% growth from the 2025 consensus estimate figure of $12.93 per share. (IDXX - Free Report). 3. Microsoft (MSFT) targets to become carbon negative, water positive, and generate zero waste by 2030… This Zacks Rank #3 (Hold) company is leveraging AI for Good Lab and tools like the Microsoft Planetary Computer to drive biodiversity conservation… Microsoft shares have returned 14.7% in a year. The Zacks Consensus Estimate for fiscal 2026 increased a couple of cents to $15.61 per share, indicating 14.4% growth from the figure reported in fiscal 2025. (MSFT - Free Report)." End quotes ------------------------------------------------------------- Top Renewable Energy Stocks To Watch Today This next article picks a few lesser-known, and for some sustainable investors, a few controversial companies for review. It's titled Top Renewable Energy Stocks To Watch Today on marketbeat.com and is by MarketBeat. Here are several brief quotes from the article. "1. Quanta Services (PWR) provides infrastructure solutions for the electric and gas utility, renewable energy, communications, and pipeline and energy industries in the United States, Canada, Australia, and internationally. Read Our Latest Research Report on PWR. 2. WEC Energy Group (WEC) through its subsidiaries, provides regulated natural gas and electricity, and renewable and nonregulated renewable energy services in the United States. It operates through Wisconsin, Illinois, Other States, Electric Transmission, and Non-Utility Energy Infrastructure segments. Read Our Latest Research Report on WEC. 3. NOV (NOV) designs, constructs, manufactures, and sells systems, components, and products for oil and gas drilling and production, and industrial and renewable energy sectors in the United States and internationally. Read Our Latest Research Report on NOV. 4. Clearway Energy (CWEN) operates in the renewable energy business in the United States. The company operates through Conventional and Renewables segments. Read Our Latest Research Report on CWEN. 5. HA Sustainable Infrastructure Capital (HASI) through its subsidiaries, engages in the investment of energy efficiency, renewable energy, and sustainable infrastructure markets in the United States. Read Our Latest Research Report on HASI. 6. Ameresco (AMRC) a clean technology integrator, provides a portfolio of energy efficiency and renewable energy supply solutions in the United States, Canada, Europe, and internationally. Read Our Latest Research Report on AMRC. 7. Gibraltar Industries (ROCK) manufactures and provides products and services for the renewable energy, residential, agtech, and infrastructure markets in the United States and internationally. Read Our Latest Research Report on ROCK." End quotes. ------------------------------------------------------------- Top Wind Energy Stocks Poised to Benefit From Clean Energy Transition My fifth article is titled Top Wind Energy Stocks Poised to Benefit From Clean Energy Transition on finance.yahoo.com. It's by Avisekh Bhattacharjee and originally published on zacks.com. In the US, the wind industry could be gaining ground despite President Trump's protestations. Here are some quotes from the article. "1. NextEra Energy (NEE) is a public utility holding company engaged in the generation, transmission, distribution and sale of electric energy. The Zacks Rank #2 (Buy) company's competitive energy business, NextEra Energy Resources LLC (NEER), is the leading generator of wind energy globally. NextEra Energy, Inc. (NEE): Free Stock Analysis Report. 2. PG&E (PCG) operates as the parent holding company of California's largest regulated electric and gas utility, Pacific Gas and Electric Company.  The Zacks Rank #2 company's exposure in wind energy stems from the procurement of power from several renewable resources. Pacific Gas & Electric Co. (PCG): Free Stock Analysis Report. 3. Arcosa (ACA) is a leading manufacturer of infrastructure-related products and services that serve the energy, construction and transportation markets. This Zacks Rank #2 company's Engineered Structures business continues to benefit from strong demand for its wind towers and engineered structures. Arcosa, Inc. (ACA): Free Stock Analysis Report. 4. Constellation Energy (CEG) is a well-recognised provider of electric power, natural gas and energy management services to 2 million customers across the continental United States. Constellation Energy operates 27 wind projects across 10 states… This Zacks Rank #3 (Hold) company is launching a $350 million initiative to increase the output and lifespan of its portfolio of renewable energy sources. Constellation Energy Corporation (CEG): Free Stock Analysis Report." End quotes. ------------------------------------------------------------- AI infrastructure stocks Lumentum, Celestica, Seagate beat Nvidia 2025 My final review article covers some old favourites. Its title is AI infrastructure stocks Lumentum, Celestica, Seagate beat Nvidia 2025 on cnbc.com. It's by Kif Leswing. Here are some brief quotes. 1. Nvidia has been the biggest infrastructure winner in the artificial intelligence boom, soaring in value by almost thirteenfold since the end of 2022 to a market cap of $4.6 trillion. 2. Lumentum based in San Jose, California, makes switches, transceivers and other optical laser-based parts that are needed for fiber-optic cables. Customers have typically been telecommunications carriers and device makers like Apple, which previously used Lumentum parts in its FaceID sensor… Lumentum's stock price has jumped 372% this year… lifting the company's market cap past $28 billion. Sales surged 58% in the most recent quarter from a year earlier to $533 million.  3. Western Digital is one of three major hard drive manufacturers, along with Seagate and Toshiba. Shares of the 55-year-old company are up almost 300% this year… 'Data is the fuel that powers AI, and it is HDDs that provide the most reliable, scalable and cost-effective data storage solution,' CEO Irving Tan said in October on an earnings call… Revenue is expected to increase about 23% in fiscal 2026, with growth slowing to 13% in 2027. 4. Micron is one of three major memory producers, alongside Samsung and SK Hynix, but the only one based in the U.S… Analysts from Morgan Stanley said in a December note that Micron's results showed the best revenue and profit upside in the 'history of the U.S. semis industry' — aside from Nvidia. Revenue is expected to almost double in the year ending in August, before dramatically slowing to 24% in fiscal 2027 and less than 1% in 2028, according to LSEG. 5. Seagate is also benefiting from booming demand for storage. The stock is up 231% this year. Sales rose 21% to $2.63 billion in the company's fiscal third quarter, which ended Oct. 3. The company said at the time that 80% of its sales go to the data center market. 'There is no question that AI is reshaping hard drive demand by elevating the economic value of data and data storage,' CEO Dave Mosley said on a call with analysts… Analysts expect 21% revenue growth this fiscal year, followed by increases of about 15% and 6% in the next two years, according to LSEG. 6. Celestica founded in 1994 as an IBM subsidiary, makes switches that connect networks together and manage the data and traffic flowing through them. The stock is up more than 230% this year… Analysts at Goldman Sachs wrote in a note Friday that Celestica supplies parts for Google's ASIC. 'The company should benefit in 2026 from being the leading provider of Google TPU rack level solutions,' the analysts wrote." End quotes. ------------------------------------------------------------- More articles from around the world with Sustainable Investment Picks for January 2026. 1. Title: These Infrastructure Stocks Could Quietly Power the AI Revolution on fool.com. By Matt DiLallo. 2. Title: Top Beaten-Down Data Center Infrastructure Stocks on seekingalpha.com. By Steven Cress. 3. Title: Meet the four most sustainable funds on the market for 2025 corporateknights.com. By CK Staff. 4. Title: 3 Green Energy Stocks to Watch for a Cleaner, More Sustainable 2026 on finance.yahoo.com. By Pulkit Chamria. 5. Title: Analysts See Triple-Digit Revenue Growth in 2026 for These 3 AI Infrastructure Stocks on wallst.com. By Rich Duprey. 6. Title: The Top Clean-Energy Stocks for 2026, According to an Investment Advisor on businessinsider.com. By Samuel O'Brient. 7. Title: Top 10 Companies for CSR and Sustainability in 2025 on thecsrjournal.in. By Hency Thacker. 8. Title: This Underrated Industrial Stock Could Be the Purest Play on AI Infrastructure on fool.com. By John Bromels. 9. Title: Sustainable Investing Trends to Watch in 2026 on sustainalytics.com. By Morningstar Sustainalytics. 10. Title: The most sustainable equity funds in 2026 on corporateknights.com. Introduction by Saint Ekpali. 11. Title: Top 10: Renewable Energy Companies on energydigital.com. By Charlie King. 12. Title: The Grid Gap Gamble: Why Bloom Energy is Defying the Clean Tech Downturn in 2026 on markets.financialcontent.com. By MarketMinute. 13. Title: Some of the Best Sustainable Companies Call This ETF Home on etftrends.com. By Todd Shriber. 14. Title: Cisco Systems a Top Socially Responsible Dividend Stock With 2.2% Yield (CSCO) on nasdaa.com. By BNK Invest. 15. Title: Top 10: Sustainable Investments 2026 on sustainabilitymag.com. By Charlie King. 16. Title: Why Bloom Energy (BE) Stock Is Trading Up Today on finance.yahoo.com. By Petr Huřťák. 17. Title: Barclays Calls This 1 AI Server Stock 'Best in Class' Amid Upgrade to 'Overweight' Rating on finance.yahoo.com. By Aditya Raghunath. 18. Title: A clean technology company on the verge of transformational growth on stockhouse.com. By Trevor Abes. ------------------------------------------------------------- Ending Comment These are my top news stories with their stock and fund tips for this podcast, "January 2026 Sustainable Stock and ETF Picks." Please click the like and subscribe buttons wherever you download or listen to this podcast. That helps bring these podcasts to others like you. And please click the share buttons to share this podcast with your friends and family. Let's promote ethical and sustainable investing as a force for hope and prosperity in these tumultuous times! Contact me if you have any questions. Thank you for listening. My next podcast will be on February 27th. See you then. Bye for now.   © 2026 Ron Robins, Investing for the Soul

Death by Boomer with Jeff Styles! The things we don't tell our kids! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/m/ ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Team Montieth Real Estate - Lori Montieth: https://www.findchattanoogarealestate.com/ Ballinger and Associates - Risk Management: https://ballingerandassociates.com/ AirSpace Acoustics: https://www.airspaceacoustics.com/ Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

When should you plan for retirement? This video discusses the critical timing of your federal retirement, emphasizing that thoughtful financial planning and income planning are crucial. Do not rush your decision-making at the last minute; proper retirement planning requires foresight and careful consideration, well in advance of OPM's deadlines.Take the Quizz: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Garry and Rhonda Thurman with Guardian Investment Advisors: Women, Relationships, and Money! ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Big Woody's Tree Service: https://bigwoodystreeservice.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

This special podcast with Ann Wirtz and CD Financial discusses taking control of your financial success. We explore essential aspects of personal finance and financial management to help you make smarter decisions. Learn how to navigate your future with confidence and robust financial planning. Take the quiz: https://lb1nm6qa2sh.typeform.com/to/pKWB4w8b

Death by Boomer with Jeff Styles! I am bringing back the 'F' word! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/m/ ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

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WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

What the recent changes in Venezuela means for consumers Without getting into the benefits of less drugs coming into our country, there are economic benefits from the large amount of oil reserves that are in the ground of Venezuela. The current daily consumption worldwide of oil is about 100 million barrels per day. Venezuela has in their ground over 300 billion barrels of oil. That alone would keep the world supplied for over eight years. Venezuela has the highest proven reserves in the world even above Saudi Arabia. Venezuela accounts for about 20% of the world supply of oil. Venezuela has four times the reserves compared to the US, yet in 2024 the United States produced over 13 million barrels per day compared to Venezuela producing under 1 million barrels per day. There is talk that the big oil companies could be going into Venezuela and they could definitely increase that production by a large amount, which would benefit not just Venezuela but also the world markets and the United States consumer. The way the United States consumer would benefit is from lower gas prices at the pump and with oil currently trading in the high 50s, we could see that drop to the low 50s maybe even a little bit below that. This will not only put more money in US consumers' pockets, but it would also help the Venezuela population as the production of oil would create many good paying jobs and could lead to a ripple effect for other businesses with more money coming into their economy. The recent events occurred just a few days ago and a lot has yet to be played out, but make no mistake there are many benefits if Venezuela can produce a lot more oil for the world.   It's a new year, is it time to hire or change to a new investment advisor? With the new year, investors should take a look to see how their investments have done and how their investment advisor has been working with them. The beginning of the year is a fresh start, so it's time to see what your percentage return was on your portfolio in 2025 and evaluate if your advisor kept you updated and gave you the customer service you need like returning your phone calls in a reasonable timeframe. You don't want to jump from the pan into the fire, so when you're looking for a new investment advisor, be sure that the company and the advisor are full fiduciaries, which means they must do what is best for you, not what is best for themselves. Ask yourself the question, is the advisor trying to sell me products that he or she makes a big commission off of? That could be a red flag that they don't have your best interest in mind. It's also important to understand the investment strategy the firm and the advisor use. Do they use mutual funds or build your own portfolio with individual equities and investments that are liquid and don't tie your money up for years to come in case the investment underperforms. I always believe it is worth asking the advisor how they manage their own personal portfolio. If it's good enough for them, why is it not good enough for you? I know some advisors will say they have different objectives, but I think everyone has the same objective of making a reasonable return on their investments. And lastly, don't be afraid to ask how they get paid when managing your investments. It may seem like an uncomfortable question, but if it's an excessive amount, that can be a red flag. If the advisor is trying to dodge the question, that means to me, they're trying to hide something from you at the very beginning, and you should runaway immediately. Take your time to find the right advisor, if you feel pressure from constant phone calls and high sales tactics, you probably want to look for someone else to work with on your investments.   The labor market ends the year on a soft note This jobs report was special considering it was the first on time report in 3 months, but I'd say the data was lackluster. Nonfarm payrolls in December increased by 50,000, which was short of the estimate of 76,000. The two prior months also saw downward revisions that totaled 76,000. For the full year, payroll employment grew by 584,000, which equates to a monthly average of about 49,000 new jobs per month. This was less than 2024's gain of 2 million jobs or about 168,000 per month and actually registers as the worst payroll growth outside of a recession since 2003. While this all might sound troubling, it is important to remember that changes to government jobs had a large impact on the data. Since reaching a peak in January, government employment fell by 277,000 jobs. This obviously created a huge headwind for headline payroll growth. With that said, the labor market was still in a slower growth environment, and I continue to believe that will be the case as we move forward considering the unemployment rate still remains healthy at 4.4%. It's also important to remember that of those counted as unemployed, about 26% or 1.9 million people are considered long-term unemployed as they have been jobless for 27 weeks or more. I always do wonder how actively these people are looking for jobs. In terms of areas of strength in the report, both healthcare and foodservices and drinking places remained healthy. Health care employment was up 21,000 in the month and for the full year averaged monthly gains of 34,000. This was down from 2024's monthly average of 56,000, but still strong. Foodservices and drinking places saw employment grow by 27,000 jobs in the month and for the full year averaged monthly gains of 12,000 jobs, which was similar to 2024's average of 11,000 jobs added per month. Retail trade was the real headwind for the month as employment declined by 25,000 jobs. This could be due to seasonal changes, but it was interesting to see retail trade employment showed little net change in both 2024 and 2025. The other major industries in the report showed little to no changes in the month. Overall, I believe this continues to show that we remain in a slow hire/low fire labor environment and I don't see much evidence that will change this year.    Financial Planning: Mortgage-Backed Security Purchase Lowers Mortgage Rates The U.S. government's announcement of a $200 billion purchase of mortgage-backed securities (MBS) through Fannie Mae and Freddie Mac is already pushing 30-year mortgage rates below 6%, creating an opportunity for homeowners and prospective buyers. During the COVID-19 pandemic, the Federal Reserve lowered interest rates and also purchased MBS, which helped push mortgage rates down.  Mortgage rates are not directly tied to the Federal Reserve interest rates, but the purchase of mortgage-backed securities is something that would directly lower mortgage rates. This is because investors purchase mortgages after origination for the interest income paid by homeowners, so Fannie Mae and Freddie Mac buying these securities increases demand which lowers the interest rates borrowers get on mortgages. For those with higher mortgage rates, this could be an opportunity to cut that down.  I don't think we are yet at a point where it makes sense to buy down the rates further, but there is no limit to the number of refinances someone can do.   It may be best to refinance now and then again in another year or so.   Companies Discussed: Tyson Foods, Inc. (TSN), Lockheed Martin Corporation (LMT), Generac Holdings Inc. (GNRC) & Seagate Technology Holdings plc (STX)

Independent Registered Investment Advisors (RIAs) are professional independent advisory firms that provide personalized financial advice to their clients, many of whom have complex financial needs. To break down all the ins and outs of RIAs, we're joined by ⁠⁠Jon Beatty⁠⁠, head of Schwab Advisor Services at Charles Schwab. As Managing Director, Jon oversees the business that serves over 16,000 independent advisory firms that trust Schwab with $5.0 trillion in assets under management.  You can learn more about Schwab and their support of independent financial advisors here. Schwab Advisor Services™ is a division of Schwab. Independent investment advisors are not owned by, affiliated with, or supervised by Schwab. The comments, views, and opinions expressed are those of the speakers and do not necessarily represent the views of Charles Schwab. This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice.  Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions. Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment. Have a money question? Email us ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money LIVE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Subscribe to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jill on Money Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@jillonmoney⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Download the Guide here: https://cdfinancial.com FREE 15-minute call: https://calendly.com/charlesdzama/complimentary-15-minute-phone-call-youtubeAre you truly ready to retire? This episode of the CD Financial Podcast dives into key questions about eligibility and financial management, helping you to understand the path to getting ready for retirement. We discuss essential aspects of retirement planning to ensure your financial planning is robust.Newsletter: https://cdfinancial.com/newsletterSocials:Instagram: https://instagram.com/cdfinancial.llc/Facebook: https://facebook.com/cdfinancialLinkedIn: https://linkedin.com/company/cd-financial

Death by Boomer with Jeff Styles! Those Young Folks Still Have Hope! ! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

PODCAST recorded 1/7/26 Investment Advisor, JB Bryan shares Tax-deferred growth advantages. JB says " tax deferral allows investments to potentially grow faster over time through compounding, and by providing potential tax savings". Today's discussion will also include the importance of strategic timing of tax payments. Join in this look at the Benefits of Tax-Deferred Growth. AfroEconomics LIVE! #JBBRYAN To request a complimentary consultation call 1-844-JBBRYAN. Powered by JB Bryan Financial Group, Inc., A Registered Investment Advisory Firm - The Home of AfroEconomics. Established 1995. www.AfroEconomics.com www.JBBRYAN.com Email: jb@jbbryan.com

Death by Boomer with Jeff Styles! The REAL Sounds of Christmas! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

WELCOME to Jeff Styles' UpFront Wrap-Up on During the Break Podcast - powered by Guardian Investment Advisors! A Monday podcast with El Jefe himself about some headlines, stories, and things you may have missed AND some things you may want to look for in the days ahead! Jeff Styles spent over 30 years as the #1 talk radio host in our area and now has brought his talents to DTB Podcast! Tune in - Share AND stay tuned as we grow! (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

How Rich Jarvis II, a seasoned entrepreneur and the co-founder of Epic Capital Funds, has raised over $60 million from Registered Investment Advisors (RIAs) for real estate and business acquisitions. Rich shares his incredible journey—from overcoming personal and professional challenges to building a thriving capital fund. He reveals key strategies for raising capital from RIAs, including the power of relationship-building and "unreasonable hospitality." Whether you're an investor or entrepreneur looking to scale your ventures, this episode offers invaluable insights into navigating the complexities of working with high-net-worth investors and RIAs. Tune in to learn how Rich has successfully structured deals, leveraged family offices, and embraced strategic partnerships to unlock major growth. 5 Key Takeaways to learn from this episode:Relationship-building with RIAs: Rich emphasizes the importance of building strong relationships with Registered Investment Advisors (RIAs) through mutual trust and shared goals.Unreasonable Hospitality: Discover how offering exceptional service and adding value to RIAs can make a significant difference in securing investments.Core Teams for Success: Learn how Rich has developed a focus on building core teams that can navigate challenges and grow together, especially in uncertain market conditions.Structuring Deals with RIAs: Rich explains how involving RIAs early in the deal-making process and structuring deals to meet their specific needs can be the key to successful collaborations.Transitioning into Business Acquisitions: Beyond real estate, Rich discusses his pivot into business acquisitions, including leveraging tax benefits like Section 1202 for long-term capital gains.About Tim MaiTim Mai is a real estate investor, fund manager, mentor, and founder of HERO Mastermind for REI coaches.He has helped many real estate investors and coaches become millionaires. Tim continues to help busy professionals earn income and build wealth through passive investing.He is also a creative marketer and promoter with incredible knowledge and experience, which he freely shares. He has lifted himself from the aftermath of war, achieving technical expertise in computers, followed by investment success in real estate, management skills, and a lofty position among real estate educators and internet marketers.Tim is an industry leader who has acquired and exited well over $50 million worth of real estate and is currently an investor in over 2700 units of multifamily apartments.Connect with TimWebsite: Capital Raising PartyFacebook: Tim Mai | Capital Raising Nation Instagram: @timmaicomTwitter: @timmaiLinkedIn: Tim MaiYouTube: Tim Mai 

Weekend Windup with Jeff Styles! Every Friday Jeff will cover a few headlines you may have missed - let you know what he thinks - AND maybe even what you should think! Plus we will cover a few things to look forward to over the weekend. Politics - Culture - Sports - you never know what El Jefe will bring to the table! Powered by https://giaplantoday.com/ (A PODCAST PROVIDED AND OWNED BY DURING THE BREAK PODCASTS) Thanks to our sponsors: Guardian Investment Advisors: https://giaplantoday.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com// ALL OUR PODCASTS WITH ONE CLICK: www.duringthebreakpodcast.com ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

Death by Boomer with Jeff Styles! The Grinch and Life Lessons! (Powered by Guardian Investment Advisors) Let's face it - the boomers are the 2nd greatest generation to ever walk planet earth! From our music to our toys (we survived lawn darts) - we made the world better! Yes, better even for you gen x'ers - gen y's and millennials - we're just better!! AND....worse - we also used up all the resources - became a little spoiled and maybe we have clung to power a little too long. Misunderstood - that is what we are! These short episodes will hopefully bridge the gap with the x'ers, y'ers (if that's even a word) and millennials - Death by Boomer with Jeff Styles on DTB - powered by Guardian Investment Advisors! Thanks to our sponsor: Guardian Investment Advisors: https://giaplantoday.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm