Podcasts about IRS

Czabe welcomes PAUL CHARCHIAN from glorious Utah, where the Jazz are most definitely NOT expected to be in the King James "sweepstakes." J.J. McCarthy "catches a stray" from Diana Russini during her traffic stop. Why is the NBA not on the verge of chaos after the recent gambling allegations? Charch tells a story of comical IRS regulatory overkill. MORE....Our Sponsors:* Check out Troll Co Clothing and use my code CZABE25 for a great deal: https://www.trollcoclothing.comAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Dave Rubin of "The Rubin Report" talks to Chad Prather and Sara Gonzales about MSNOW's Chris Hayes getting Zohran Mamdani to admit that the left's anti-Israel hatred is the real reason Democratic Socialists won; Brad Lander caught pandering to Muslims at a local mosque about Israel committing a genocide and not realizing what was said in Arabic after he finished; Phillip Millar sharing the story of Hamtramck, Michigan, where pro-LGBTQ liberals experienced suicidal empathy firsthand after the all-Muslim city council banned Pride flags; Ana Navarro and Marco Rubio both warning Democrats leaders like Chuck Schumer about the dangers of Democratic Socialists; Daily Wire's Ben Shapiro explaining the real plan behind Tucker Carlson publicly leaving the Republican Party over the Iran War and its support of Israel; CNN's Steve Kornacki sharing new polling data about how many Democrats and Republicans are proud to be Americans; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Angel Studios - Choose entertainment that is focused on stories about real human experiences. If you go premium, you'll get 2 free tickets to see Young Washington in theaters this Independence Day, and be part of making this film the #1 movie in America for our nation's 250th birthday. Go to: http://Angel.com/rubin Tax Network USA - If you owe back taxes or have unfiled returns, don't let the government take advantage of you. Do not wait for another IRS letter or a frozen bank account. Call 1(866) 685-6604  for a private, free consultation or Go to: https://tnusa.com/dave Gaia- Gaia is a streaming service dedicated to the evolution of consciousness, featuring videos on disclosure, ancient wisdom, and the nature of reality. Go to: https://www.gaia.com/lp/disclosure-tr...  Enhanced -  Use Stronger to support strength and recovery. Get 50% off your first order. These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease. Individual results may vary Go to: http://shop.enhanced.com/rumble 

In this episode the guys break down the six best lifts for athletic fitness — the movements that translate directly to real world performance, sport and everyday life. They cover lunges and sled work, the standing overhead press, trap bar deadlift, one arm rows with rotation and pull ups, hanging leg raises done correctly, and band and cable chops for rotational power. They also reminisce about their worst business failures — Sal's second studio location that cost him 75K to break the lease, Adam's mobile car detailing hustle, Justin's app build, and Doug's story of losing his entire Japan savings to a fraudulent investment group that got raided by the IRS mid-call. Then they answer questions from Instagram on Bulgarian split squat imbalances, swapping exercises in MAPS 15 Powerlift, which program fixes imbalances and unlocks squat depth, and how to pair sprint intervals with strength training. No BS 6-Pack Formula: https://nobs6pack.comCode: 6PACK for 50% off. Full ab building system with two phase blueprints and video demos by Sal. $28.50 after discount. SPONSORS Rho Nutrition (liposomal creatine, NAD+ and Glutathione): https://www.rhonutrition.com/discount/MINDPUMP Code: MINDPUMP for 20% off everything. Liposomal creatine discussed on air as the fix for people who experience bloating from regular creatine. Paleo Valley (grass-fed fermented meat sticks): https://paleovalley.com/mindpump 15% off automatically applied at checkout, no code needed. Our Place (non-toxic cookware): https://fromourplace.comCode: MINDPUMP for 10% off sitewide. Always Pan replaces eight pieces of cookware, forever chemical free, 100 day trial with free returns. LINKS Mind Pump Store: https://mindpumpstore.comMaps Fitness Products: https://mapsfitnessproducts.com Instagram: @mindpumpmedia 0:00 - Intro 2:28 - 6 best lifts for athletic fitness 3:25 - Lunges and sled work — triple extension, split stance and why sled is the most accessible power exercise 8:09 - Standing overhead press — the squat of the upper body and how it reveals your whole body strength 10:22 - Trap bar deadlift — why athletic coaches prefer it over conventional for most sports 14:38 - One arm rows with rotation and pull ups — pulling strength and the rotational component most programs miss 16:31 - Hanging leg raises — how to do them correctly and why they matter for every athletic movement 18:25 - Band and cable chops — rotational and anti-rotational power for sport 21:15 - Worst business failures — studios, apps, car detailing and Doug's IRS raid story 50:13 - Rho liposomal creatine solving the bloating problem for women 51:43 - Justin's Yellowstone trip and the bear world grizzly feeding park 59:25 - Paleo Valley fermentation process and the Truckee cabin bear break-in story 1:01:22 - Q&A: Bulgarian split squat imbalances — how to even out a weaker leg 1:04:41 - Q&A: Swapping exercises in MAPS 15 Powerlift with weaker lift variations 1:05:47 - Q&A: Best MAPS program for fixing imbalances and unlocking squat depth 1:07:40 - Q&A: How to pair sprint intervals with strength training correctly

The Epstein connection to Erika gets interesting, we look back at those strange monoliths that went viral in 2020, and remember when I told you that I noticed an oddity about September 10th regarding the amount of young men wearing maroon shirts? Well, after what I found, no one will try to convince me that the deep state did not organize Charlie's assassination. Last episode before we go away for 2 weeks for a summer vacation...and it's going to be a good one. Join me at Lionel Nation after the stream here: https://www.youtube.com/watch?v=TRmxeij_JJk 00:00 - Start. 02:01 - The maroon boys and questionable people in the 9/10 audience. 16:57 - Jeffrey Epstein & Erika Kirk's Next Model Management connection. 32:34 - Frank Turek defies Brian Harpole's claims again. 35:28 - Lingering questions to look into and our pending FOIAs. 51:16 - Final thoughts and comments. PDS Debt​ ​ Get your free, personalized assessment TODAY at http://pdsdebt.com/candace #PDSdebt #PDSpartner Balance of Nature​ ​ Go to http://BalanceofNature.com today and get 10% OFF the Whole Health System™ supplements when you use promo Code: CANDACE. PureTalk​ ​ Take advantage of unlimited high-speed data for just $34.99 per month at http://www.PureTalk.com/Owens Tax Network USA​ ​ Do not wait for another IRS letter or a frozen bank account. Call 866-686-1651 or visit http://tnusa.com/candace  Nimi Skincare​ Save 10% on your order with promo code CANDACE10 at http://www.NimiSkincare.com Candace Clips Channel: https://www.youtube.com/@ClipsCandaceOwens Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

Can AI really clean up messy bookkeeping—and what happens when firms trust it too much? Blake and David break down KPMG's error-filled AI report, the Pentagon's new “Agentic Auditor,” and State Farm's move to tie agent pay to AI. Blake also shares how he used Claude to complete two years of write-up work in hours, with practical lessons on where AI helps, where it fails, and why human review still matters.SponsorsCanopy - http://accountingpodcast.promo/canopyThe Value Builder System - http://accountingpodcast.promo/valueOnPay - http://accountingpodcast.promo/onpayChapters(00:00) - TAP 493 (02:20) - KPMG AI Report Scandal (04:01) - GPTZero Findings Breakdown (05:16) - Hallucinated Case Studies (07:18) - Pentagon Turns to AI Audits (08:33) - Microsoft Copilot Cowork Launch (10:09) - Claude Cowork Write Up Win (15:22) - Recon Fixes and Loan Discovery (20:48) - Future of Agentic Accounting (24:06) - Livestream Q and A TaxGPT (27:01) - AI Review and Human Loop (28:38) - QuickBooks AI Gripe Vibe Coding (31:15) - OnPay Payroll Pitch (32:10) - CPA Fees Rising (33:58) - State Farm AI Agents (37:09) - SpaceX IPO Accounting (39:31) - Musk Disclosure Shift (41:02) - Quarterly Reporting Debate (46:31) - Celebrity Accountant Fraud (50:52) - KPMG Summer Perk Cut (52:24) - Intuit Humanizing AI (55:22) - IRS Data Shared With ICE (57:56) - CPE And Farewell  Show NotesChasing the Hallucinations: KPMG's AI-Powered Attempt at "Redefining Excellence"https://gptzero.me/news/investigations-kpmg/KPMG's AI report becomes an accidental demo of AI hallucinationshttps://www.theregister.com/ai-and-ml/2026/06/12/kpmgs-ai-report-turns-into-a-demo-of-ai-hallucinations/5255029Pentagon turns to AI in push for clean financial audit by 2028https://www.stripes.com/theaters/us/2026-06-11/pentagon-audit-ai-contract-21941885.htmlCopilot Cowork is now generally availablehttps://www.microsoft.com/en-us/microsoft-365/blog/2026/06/16/copilot-cowork-is-now-generally-available/Tax Prep Billing Rates Lift Busy Season 2026https://cpatrendlines.com/2026/04/14/tax-prep-emerges-from-busy-season-2026-as-the-new-engine-for-billing-rates/State Farm overhauls agent contracts, mandates AI usehttps://finance.yahoo.com/technology/ai/articles/state-farm-overhauls-agent-contracts-115756712.htmlSpaceX CFO Bret Johnsen quietly engineered its historic IPO and became an overnight billionairehttps://fortune.com/2026/06/13/spacex-cfo-bret-johnsen-overnight-billionaire-ipo/SpaceX CFO Bret Johnsen joins billionaire ranks after $75B IPO: Trial Balancehttps://www.cfo.com/news/spacex-cfo-bret-johnsen-joins-billionaire-ranks-after-ipo-trial-balance/822848/Investors oppose semiannual reporting, says pollhttps://www.accountingtoday.com/news/investors-oppose-semiannual-reporting-says-pollCFA Institute Investor Perspectives: Quarterly Reporting 2026https://rpc.cfainstitute.org/sites/default/files/docs/research-reports/investor-perspectives-quarterly-reporting-2026.pdfThe Global Freelancer Pay Gap Reporthttps://www.remitly.com/us/en/landing/global-freelancer-pay-gapNick Cannon's Business Accountant Allegedly Embezzles $2 Million, Flees U.S.https://www.tmz.com/2026/05/08/nick-cannon-business-manager-embezzled-millions/KPMG scraps summer early Friday finish for staffhttps://www.cityam.com/kpmg-scraps-summer-early-friday-finish-for-staff/Intuit hires Mother to humanize the QuickBooks maker's AI pitchhttps://adage.com/agencies/accounts-in-review/aa-intuit-hires-mother-as-creative-strategy-partner/After issuing more than $20 billion in tariff refunds, the Trump administration is now pursuing legal action to bring the process to a standstillhttps://fortune.com/2026/06/01/trump-administration-plan-appeal-illegal-ieepa-tariff-universal-refunds/IRS gave 47,000 taxpayers' addresses to ICEhttps://www.accountingtoday.com/news/irs-gave-47-000-taxpayers-addresses-to-iceNeed CPE?Get CPE for listening to podcasts with Earmark: https://earmarkcpe.comSubscribe to the Earmark Podcast: https://podcast.earmarkcpe.comGet in TouchThanks for listening and the great reviews! We appreciate you! Follow and tweet @BlakeTOliver and @DavidLeary. Find us on Facebook and Instagram. If you like what you hear, please do us a favor and write a review on Apple Podcasts or Podchaser. Call us and leave a voicemail; maybe we'll play it on the show. DIAL (202) 695-1040.SponsorshipsAre you interested in sponsoring The Accounting Podcast? For details, read the prospectus.Need Accounting Conference Info? Check out our new website - accountingconferences.comLimited edition shirts, stickers, and o...

1. FBI Operation Riptide & Law Enforcement Activity Crackdowns on cybercrime (credit card theft, ransomware, fraud schemes) Arrests and convictions for: Business email fraud ($25M) Large-scale bank and investment fraud COVID-19 relief fraud Seizures of: Firearms Drugs (including fentanyl) Prosecution of child exploitation cases This is evidence of effective law enforcement under current leadership and this reflects fulfillment of anti-corruption promises. Political Framing of Law Enforcement Earlier administrations misused the FBI for censorship or political purposes Current efforts are focused on “real crime” 2. Allegations Involving California Governor Gavin Newsom The DOJ, IRS, and FBI are investigating financial ties Investigations stem from whistleblower complaints A former chief of staff pleaded guilty to fraud and lying to the FBI Potential issues involving: Nonprofit funding Donations from companies lobbying the governor Failure to properly report millions in contributions This is a serious case being underreported by the media Newsom’s defense that it’s a 'political attack' is false & misleading Please Hit Subscribe to this podcast Right Now. Also Please Subscribe to the The Ben Ferguson Show Podcast and Verdict with Ted Cruz Wherever You get You're Podcasts. And don't forget to follow the show on Social Media so you never miss a moment! Thanks for Listening X: https://x.com/benfergusonshowYouTube: https://www.youtube.com/@VerdictwithTedCruzSee omnystudio.com/listener for privacy information.

Darkness Radio presents:  Paranormal Encounters: Be Careful What You Wish For with Podcaster/ TV Personality/Paranormal Investigator/ Psychic/Medium/Author, Dr. Kelly Renee Schutz! Dr. Kelly Renee Schutz is a sensitive empath whose abilities activate during low and high energy frequencies.  She began having psychic visions of traumatic events at the age of four. By her mid-30's, she would be attacked in her maternal grandparents' home by something unseen.  She has also activated psychokinetic and telepathic abilities as well, claiming to have predicted four Kentucky Derby races and confirmed IRS jackpots from casinos (28plus wins in 34 visits over six years).  Kelly is also the host/producer of five podcast shows, A TV talk show (Disembodied Voices on PARAFlixx), and hosts the highly ranked daily Paranormal Encounters Podcast Series on Para-X Radio Network! On Today's Darkness Radio, Dr. Kelly joins us to talk about her beginnings, her unusual abilities, the projects she has going on, and some incredibly unusual paranormal experiences she has experienced over the years! See more about Dr. Kelly Renee Schutz at her website:  http://www.paranormaluniversalpress.com/Check out Dr. Kelly's Amazon page to get her books:  https://bit.ly/43WtJAjCheck out Disembodied Voices on Paraflixx here: https://paraflixx.vhx.tv/disembodied-voices-with-dr-kelly-renee-schutz-paraflixx-paranormal-plusCheck out the Paranormal Encounters Podcast series here:  https://www.para-x.com/Want a new spot to hang out, have that perfect dinner, and see some great entertainment? Look no further than Jellybean and Julia's in Coon Rapids, MN.! https://jellybeanandjulias.com/Make sure you update your Darkness Radio Apple Apps!and subscribe to the Darkness Radio YouTube page:  https://www.youtube.com/@DRTimDennisThere are new and different (and really cool) items all the time in the Darkness Radio Online store on our website! Check out the Darkness Radio Store!   https://www.darknessradioshow.com/store/#paranormal  #supernatural  #metaphysical  #paranormalpodcasts  #darknessradio  #timdennis #drkellyreneeschutz #disembodiedvoices #paranormaencounterspodcast #ghostcommunication #paranormalinvestigation #attachmentremoval #poltergeist #skinwalkerranch #precognition #ghoststories #ghosts  #spirits  #spectres #hauntings #hauntedhouses #shadowpeople #skeptics #cynics #theology #demons #entities #alternatedimensions #spiritguides #spiritcommunication #spiritguides #Psychics #mediums  

In this episode of Sisters Sidebar, Jill Wine-Banks and Joyce Vance answer listener questions on the Trump-IRS lawsuit settlement, the War Powers Resolution, posthumous prosecutions, and more. They discuss whether Trump's non-adversarial IRS suit can produce a valid broad tax forgiveness deal for him and his family, congressional checks on potential military action in Iran, Katie Phang's lawsuit against Todd Blanche, how to safely renew your passport, why the dead cannot be prosecuted, and the process of how the vice president is sworn in after a president resigns or dies.Freshen up your spring wardrobe!  Get the ReSIStance T-Shirt, Mini Tote, and other #SistersInLaw gear at politicon.com/merch! Additional #SistersInLaw Projects#SistersInLaw Main ShowJill's Politicon YouTube Show: Just The FactsKim's Newsletter: The GavelJoyce's new book, Giving Up Is Unforgivable, is now available, and for a limited time, you have the exclusive opportunity to order a signed copy here. Order Barb's new book, The Fix, or her first book, Attack From Within, now in paperback. And get tickets for her upcoming book tourAdd the #Sisters & your other favorite Politicon podcast hosts on BlueskyGet your #SistersInLaw MERCH at politicon.com/merchWEBSITE & TRANSCRIPTEmail: SISTERSINLAW@POLITICON.COM or Thread to @sistersInLaw.podcastGet text updates from #SistersInLaw and Politicon. Mentioned By The #SistersOrder Barb's new book, The Fix, and get tickets for her upcoming book tour!Support This Week's Sponsor:Storyworth:Give Dad a gift that captures who he really is, before the stories get harder to remember.  Order RIGHT NOW and save up to $20 at storyworth.com/sistersOneSkin:Get 15% off OneSkin with the code SISTERS at https://www.oneskin.co/SISTERS #oneskinpodGet More From The #SistersInLawJoyce Vance: Bluesky | Twitter | University of Alabama Law | Civil Discourse Substack | MSNBC | Author of “Giving Up Is Unforgiveable”Jill Wine-Banks: Bluesky | Twitter | Facebook | Website | Author of The Watergate Girl: My Fight For Truth & Justice Against A Criminal President | Just The Facts YouTubeKimberly Atkins Stohr: Bluesky | Twitter | Boston Globe | WBUR | The Gavel Newsletter | Justice By Design PodcastBarb McQuade: barbaramcquade.com | Bluesky | Twitter | University of Michigan Law | Just Security | MSNBC | Attack From Within: How Disinformation Is Sabotaging America

Brandon DeBot and Kelsey Merrick, of NYU's Tax Law Center, speak to Senior Editor Roger Parloff about Attorney General Todd Blanche's purported waiver of President Trump's past tax liabilities on May 19, as part of a settlement of Trump's $10 billion suit against the IRS.DeBot and Merrick discuss whether those who negotiated the deal might face criminal liability under 26 USC § 7217 or § 7212, and what steps Congress should take to investigate how the waiver came about and to stop it from taking effect.To receive ad-free podcasts, become a Lawfare Material Supporter at www.patreon.com/lawfare. You can also support Lawfare by making a one-time donation at https://givebutter.com/lawfare-institute.Support this show http://supporter.acast.com/lawfare. Hosted on Acast. See acast.com/privacy for more information.

In this episode of our podcast, R&I Committee member Captain Toby Cline provides an educational update on the APRP payment, including the expected payment timeline. Toby also reviews key IRS...

A mass shooter in Montreal left behind a manifesto that's Incel meets Marxism meets blackpill. Let's take a look at the ridiculous nonsense that proves that Canada is not a real place. John C. Reilly has things to say about the "right wing" and "human rights." Using a nebulous term as a cudgel to vilify people that don't agree with your politics is basically the only tactic the Leftists have anymore. Citizen Vigilante has been effectively banned in Germany, which is all the more reason for us to watch it. We'll have the Mug Club Movie Review for the Uwe Boll anti-immigrant Armie Hammer film. GUEST: Josh Firestine Link to today's sources: https://www.louderwithcrowder.com/sources-june-23-2026 Do not wait for another IRS letter or a frozen bank account. Call (866) 686-1417 or visit https://tnusa.com/CROWDER Foundation Creatine, pure creatine done right. Micronized creatine powered by Creavitalis. Get it today for only $29.99 at https://foundationdaily.com/ Share clips from the show & compete to get a mention on the show! Where to get clips: Telegram: http://t.me/LWCClips Discord: https://discord.gg/nfRAZxEbAV Submit link for tracking: https://forms.gle/HZwz7Q7C9hkHecxTA DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://feeds.libsyn.com/576250/rss FOLLOW ME: Website: https://louderwithcrowder.com/ X: https://x.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo

Dave Rubin of "The Rubin Report" talks about Ro Khanna getting Elon Musk to threaten to sue him for continuing to falsely claim that his DOGE-led cuts to USAID resulted in the deaths of millions of children; Elon Musk exposing Ro Khanna's shocking rise in net worth, which makes accusations of Nancy Pelosi's insider trading look small; "Real Time with Bill Maher" host Bill Maher pushing back on Ro Khanna's plan to tax the wealth of Elon Musk to pay for student loan forgiveness plans; the release of the shocking police bodycam footage showing how remorseless Karmelo Anthony was after killing Austin Metcalf; Austin Metcalf's father, Jeff Metcalf, telling Fox News' Will Cain the ugly behind-the-scenes details of the Karmelo Anthony trial and Dominique Alexander's attempts to racialize and politicize the trial; Zohran Mamdani continuing to support Darializa Avila Chevalier's position of protecting illegal immigrants with criminal records from being deported by ICE agents due to NY's sanctuary city status; Border Czar Tom Homan putting Kathy Hochul on notice about his plans to increase ICE's immigration enforcement and mass deportations in the state of New York; John C. Reilly failing to explain to Ilana Glazer why Elon Musk warns of the dangers of suicidal empathy; and much more. WATCH the MEMBER-EXCLUSIVE segment of the show here: https://rubinreport.locals.com/ Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ---------- Today's Sponsors: Angel Studios - Choose entertainment that is focused on stories about family, perseverance, and real human experiences. Things that feel grounded and actually worth your time. If you go premium, you'll get 2 free tickets to see Young Washington in theaters this Independence Day, and be part of making this film the #1 movie in America for our nation's 250th birthday.. Go to: http://Angel.com/rubin Tax Network USA - If you owe back taxes or have unfiled returns, don't let the government take advantage of you. Do not wait for another IRS letter or a frozen bank account. Call 1(866) 685-6604  for a private, free consultation or Go to: https://tnusa.com/dave Rumble Wallet - Don't let the big banks freeze your accounts. Own Tether Gold - real gold, on the blockchain and get direct ownership of physical gold bars, each one fully allocated, verifiable by serial number, purity, and weight. Download Rumble Wallet - now with USA₮ - and step away from the big banks — for good!  Go to: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbE9PNWtlY08tR01lVDZnUnN5YW03enZKSEZNd3xBQ3Jtc0tsSHFGbkVscUtxTGxsSTZrZmNIMlplYkdmTzFYa0hUUXVKQkt4YkFuV2h3YjRjOUFwRHozdXdueEdVUTV6YUtHUFRkT3VtNzJaUkUtMmNXVHVWRUVKS3lDVmUwdk4wdHF6VUNJdmxwdDdibVNOaEU3SQ&q=https%3A%2F%2Frumblewallet.onelink.me%2FbJsX%2Frubin&v=B6dkU1UXD_0

DOCKET ALERTS: Maryland became the ninth state to beat back a lawsuit from the DOJ's Civil Division seeking to seize its full, unredacted voter rolls.   In Massachusetts, a judge allowed states to proceed with a lawsuit to block an executive order requiring DHS to maintain a master list of voters and barring USPS from delivering mail-in ballots from anyone on the list.    DOOFUS OF THE DAY: Sixth Circuit Judge Amul Thapar, who was featured in a Bloomberg Law story about judges embarrassing themselves by trying to get nominated for SCOTUS if/when Justice Alito announces his retirement in July. Thapar, who is 56, started a Substack to talk about how his fitness regimen means he's really only 43.   MAIN SHOW:   In Minnesota, Chief Judge Patrick Schiltz quashed DOJ subpoenas for Gov. Tim Walz, Minneapolis Mayor Jacob Frey, AG Keith Ellison, and several other state officials. The court held that the subpoenas were plainly levied for an improper purpose, namely to punish state officials for refusing to cooperate with Trump's immigration raids. That's a violation of the Tenth Amendment.   Also in Minnesota, charges were dropped against yet another protester from the winter immigration surge into the Twin Cities. ICE/CBP conduct here was egregious, and the US Attorney claims to be investigating.   Since the satirical newspaper The Onion is planning to launch an InfoWars parody on July 2, we revisit all of the bankruptcy court shenanigans to date and talk about what might happen next in court.   Finally, we check in on the Trump insurrectionist slush fund and the administration's continued refusal to actually promise in court, under oath, that it won't resurrect the idea. In the Eastern District of Virginia, the administration simply refused to file declarations ordered by the presiding judge. And in the original lawsuit Trump filed against the IRS in Florida, 35 eminent judges filed their reply brief urging the judge to reopen the case and inspect the settlement.   In the Subscriber Bonus, we break down a lawsuit filed by the Ford Motor Company against a law firm in California that has an… aggressive approach to trying to get its attorneys' fees reimbursed for representing consumers who get their cars replaced under the state's "Lemon Law."   US v. DeMarinis [Maryland voter rolls] https://www.courtlistener.com/docket/71980724/united-states-v-demarinis/   League of Women Voters v. Trump [Mail-in ballot EO] https://www.courtlistener.com/docket/73133197/league-of-women-voters-of-massachusetts-v-trump/   In re Subpoenas [MN subpoenas quashed] https://www.courtlistener.com/docket/73512670/in-re-subpoenas/   US v. Johnson [MN protester, charges dropped] https://www.courtlistener.com/docket/72200628/united-states-v-johnson/   Judges Jockey for Potential Trump Supreme Court Appointment https://news.bloomberglaw.com/us-law-week/judges-jockey-for-potential-trump-supreme-court-appointment   Floyd v. DOJ [lawsuit challenging Slush Fund; docket via CourtListener] https://www.courtlistener.com/docket/73383692/floyd-v-department-of-justice/   Trump v. IRS [docket via CourtListener] https://www.courtlistener.com/docket/72040010/trump-v-british-broadcasting-corporation/?order_by=desc   Ford Motor Company v. Quill & Arrow LLP [fee-shifting in Lemon Law cases; docket via CourtListener] https://www.courtlistener.com/docket/73503023/ford-motor-company-v-quill-arrow-llp/ Show Links: https://www.lawandchaospod.com/ BlueSky: @LawAndChaosPod Threads: @LawAndChaosPod Twitter: @LawAndChaosPod  

In this informative episode, host Wendy Jones sits down with Brian Kurtz, a seasoned financial advisor with AIP Financial. Brian breaks down complex retirement planning topics in a simple and practical way, including how RMDs work, why they matter, and how failing to take them properly can lead to IRS penalties. We dive into the world of annuities, explaining the differences between immediate and deferred , as well as fixed, indexed, and multi-year guaranteed annuities (MYGAs). Brian highlights how these tools can provide guaranteed income, protect against market losses, and offer stability in uncertain financial times. Key Highlights in this Episode: Understanding RMDs (Required Minimum Distributions):Brian explains how RMDs begin at age 73, how they are calculated based on retirement account balances and life expectancy, and why missing them can result in IRS penalties. He also shares strategies for managing withdrawals across multiple accounts. Tax-Smart Retirement Strategies:Learn how Qualified Charitable Distributions (QCDs) can allow retirees to satisfy RMD requirements while reducing taxable income and supporting charitable organizations. Annuities Simplified:Brian breaks down immediate vs. deferred annuities, and explains how fixed annuities—including indexed annuities and MYGAs—can provide guaranteed growth, income security, and protection from market downturns. Safe Money vs. Growth Investing:A practical discussion on balancing retirement portfolios. Podcast Schedule: Tune in to Next Steps for Seniors with new episodes dropping twice a week at 7:00 AM! Every Tuesday: Educational and insightful content to help you navigate the practical steps of aging. Every Friday: Spiritual and emotional support to encourage your heart and mind. Be sure to subscribe on Apple, Spotify, IHeart Podcasts so you never miss an episode, and if you enjoyed today's show, please leave us a rating and review!Learn more : https://omny.fm/shows/next-steps-4-seniors-with-wendy-jonesSee omnystudio.com/listener for privacy information.

Erika Kirk lies on stage again, we look into the AV team on the day of 9/10, Tucker Carlson says the quiet part out loud when asked about Charlie Kirk, and contrary to X trends... I am alive. PreBorn!​ ​ To donate, dial #250 and say they keyword “BABY" or by visiting https://preborn.com/candace Kikoff​ Build credit fast and get your first month for just a dollar at http://www.getkikoff.com/candace today. Thanks to Kikoff for sponsoring us! Tax Network USA​ ​ Do not wait for another IRS letter or a frozen bank account. Call 866-686-1651 or visit http://tnusa.com/candace  American Financing​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. Average savings based on borrowers who save over $199.99. Candace Clips Channel: https://www.youtube.com/@ClipsCandaceOwens Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.

California's failed governor sees his 1600 Pennsylvania Avenue hopes dwindle as his wife's creative accounting puts the first family in a bright IRS spotlight. How did they spend more money last year than they earned? Strategist Mark Halperin says he knows who democrats will run in 2028, and it's not Newsom OR Kamala. James Talarico gets a nice salary for a no-show job as standard-operating political grifting lands Senator Ruben Gallego back in the news. Is a trip to Disney with the wife and kids a campaign expense? Ilhan Omar's husband made $200 last year.     

Should you expense a rental property cost immediately or capitalize and depreciate it over time? It's one of the most misunderstood areas of real estate investing and getting it wrong can cost you thousands in missed deductions or IRS headaches. In this episode, Thomas Castelli and Nate Sosa break down the decision framework every real estate investor needs to understand when dealing with repairs, renovations, improvements, appliances, HVAC systems, roofs, and other property expenses. You'll learn: - When an expense can be deducted immediately - How the De Minimis Safe Harbor works - The difference between repairs and capital improvements - When the BAR Test applies (Betterment, Adaptation, Restoration) - How cost segregation impacts your deductions - Bonus depreciation vs. Section 179 and when each makes sense - Common tax myths that trip up landlords and short-term rental owners Request a consultation from Hall CPA at go.therealestatecpa.com/3KSEev6 Get the FREE Ultimate STR Tax Strategy Bundle: go.therealestatecpa.com/strbundle Register for the FREE Investing Debate: go.therealestatecpa.com/debate Submit your question for Tom & Nathan: go.therealestatecpa.com/question The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Johnny Lynum.

This episode explains how business owners can legally hire their children to create tax savings while teaching valuable financial skills. Tiffany breaks down IRS rules, payroll requirements, entity structure considerations, and how a Roth IRA can help turn today's tax strategy into long-term family wealth. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Legal Analyst, Roger Bonakdar joins Philip Teresi breaking down some stories from a legal perspective. The income Jennifer Siebel Newsom draws from The Representation Project, an organization that challenges gender stereotypes. Siebel Newsom, the not-for-profit’s COO, and her company, Girls Club LLC, were paid $3.7 million since 2012, according to Boswell’s report, which cited IRS records. Philip Teresi on KMJ ----------------------------------------------------------- Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

In breaking news, at least 2 federal judges are considering whether to appoint a Special Prosecutor independent from the corrupted DOJ, to investigate whether the DOJ committed a fraud (or 2) on the Court and should be held in criminal contempt. Popok reports on a new motion just filed before Judge Perry in Chicago Fed Court demanding that a Special Counsel be appointed by her to investigate DOJ corruption even as high as beleaguered AG nominee Todd Blanche, as Judge Coleman in the same courtroom considers doing the same thing arising out of Grand Jury abuse. And while Judges Perry and Coleman consider appointing a special counsel, Judge Williams in Miami may join them after filings on Friday about Trump's bad faith IRS lawsuit filing. Save $5 OFF your next order when you go to http://magicspoon.com/LEGALAF Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast Cult Conversations: The Influence Continuum with Dr. Steve Hassan: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show The Ken Harbaugh Show: https://meidasnews.com/tag/the-ken-harbaugh-show Majority 54: https://www.meidastouch.com/tag/majority-54 On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Learn more about your ad choices. Visit megaphone.fm/adchoices

Matthew Bowyer is back. He just got out of federal prison camp — and in Part 2 of his conversation with Ian Bick he's holding nothing back. Matthew opens up about what his nearly 6 months inside actually looked like — the stories nobody expected the prison politics the gambling economy behind bars and how he was labeled a snitch inside. Then the conversation shifts to what comes next. He owes nearly $10 million to the IRS with interest accruing at $60,000 every single month. He's been placed on Nevada's Black Book — banned from every casino in the state. He breaks down his biggest gambling swing ever how casino comps actually work the truth about counting cards why automatic shuffling tables hurt your odds and how to get a better edge at the casino. This is the most raw and revealing conversation Matthew has ever had. _____________________________________________ #casino #truecrimecommunity #gambling _____________________________________________ Thank you to NOCD for sponsoring this episode: If you're struggling with OCD or unrelenting intrusive thoughts, NOCD can help. Book a free 15 minute call to get started at https://www.treatmyocd.com/ _____________________________________________ Watch Part 1 With Mathew Bowyer: https://www.youtube.com/watch?v=l-U0P85OuwI _____________________________________________ Connect with Mathew Bowyer: Instagram: https://www.instagram.com/mathewbowyer5/?hl=en YouTube: https://www.youtube.com/@MathewBowyer5 Website: https://mathewbowyer.com/ Buy His Book: https://www.amazon.com/dp/B0FLHM4GJZ?ref=cm_sw_r_ffobk_cp_ud_dp_4MK75VR7J921G59H32J0&ref_=cm_sw_r_ffobk_cp_ud_dp_4MK75VR7J921G59H32J0&social_share=cm_sw_r_ffobk_cp_ud_dp_4MK75VR7J921G59H32J0&bestFormat=true&csmig=1 _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Timestamps: 00:00 America's Biggest Illegal Bookie Just Got Out of Federal Prison — Matthew's Full Story Part 2 02:00 Adjusting to Life After Federal Prison and What That Transition Really Looked Like 04:41 Preparing for Self Surrender and What the Days Before Prison Really Felt Like 07:52 His First Day in Federal Prison and What Nobody Prepares You For 12:12 Navigating Prison Politics and Cars — How It Really Works From the Inside 16:00 Prison Culture and What Settling In as America's Biggest Illegal Bookie Actually Required 24:34 Daily Life Jobs and the Relationships That Defined His Time Inside Federal Prison 32:00 The First Days Shock and the Emotional Impact Nobody Talks About Publicly 39:00 Family Guilt and What Maintaining Relationships From Inside Federal Prison Really Looks Like 44:00 Contraband Phones and the Prison Economy That Governs Everything Behind Bars 54:00 Prison Gambling and Bookmaking — America's Biggest Illegal Bookie Inside Federal Prison 01:01:00 Drug Use Vice and Discipline Behind Bars — What Most People Never Hear About 01:10:00 Prison Tablets and Technology — How Modernization Is Changing Federal Prison Life 01:16:00 Nevada's Black Book — What Being Banned From Every Casino in the State Really Means 01:22:00 Owing Nearly $10 Million to the IRS With $60K Interest Accruing Every Single Month 01:29:00 His Honest Reflections on Gambling the Regrets He Carries and the Lessons That Changed Everything 01:43:00 Casino Strategies and the Discipline That Separates Winners From Everyone Else 01:55:00 The Lessons He Learned and What Finding Peace After Federal Prison Really Required 01:59:00 His Final Message on Second Chances Advice and the Mindset That Got Him Through Everything _____________________________________________ To advertise on the show, contact sales@advertisecast.com or visit https://advertising.libsyn.com/LockedInWithIanBicka Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of One Vision Podcast, Danny Friday, CEO and Founder of Sail, joins Theodora Lau to unpack why the "boring" corners of fintech — HSA and FSA accounts — are exactly where the next wave of meaningful innovation is hiding. Danny shares the origin story behind Sail: a claim over a Spanish-language dental receipt that exposed a deeper challenge about regulated industries: most of their software isn't broken by accident, it's broken by indifference to user experience. They dig into why no one had built itemized, embedded HSA/FSA infrastructure before now, what changed technically to make it possible, and why Danny insists AI should never make the hard calls. The conversation closes on a bigger bet: that within three to five years, every digital banking app will help people reimburse tax-advantaged expenses, and what that means for the industry.

Gluttony Dr. Eric J. Gilchrest | June 21, 2026 Check out the weekly sermon here or on our SRBC podcast on Apple Podcast and Spotify. While you're at it, check us out on Facebook and Instagram too. Like what you hear? We'd love to know.At South Run, we read every message personally. Whether you have a question, want to share how God is moving in your life, or are thinking about visiting in person, this is the place to start. If you click the link below, Pastor Eric will personally reach out to you. Listening online? Let us know. Sermon Transcript The Good Samaritan and the Age of Life: Love, Eternal Life, and the Narrow Road of Luke 10 — Sermon TranscriptSouth Run Baptist Church | Springfield, VARev. Dr. Eric GilchrestLuke 10:25–37June 14, 2026 This is a full sermon transcript from South Run Baptist Church in Springfield, Virginia. In this message, Rev. Dr. Eric Gilchrest preaches on the Parable of the Good Samaritan from Luke 10:25–37. This sermon is part of the ongoing "The Jesus Way" transformation series and addresses what eternal life actually means in the original Greek, why love and life are inseparable in Jesus' teaching, and how the Good Samaritan parable reveals that walking the narrow road means active, costly, others-centered love. Opening Prayer: A Church on MissionHeavenly Father, we come today offering you thanksgiving for Ian and for Emma, the great work that they're doing at GW, but also for this church and for the work that those who are in these walls do for those who are outside of these walls. We, Lord, desire to be a church on mission, and we need to keep that front and center. And so, Lord, plant it in each of our hearts that as we go where we go throughout the week on Monday and Thursday and random points on a Saturday afternoon, that we be reminded that we bear your image, we bring your word to the world, and we make new disciples. And so, God, we pray all of this in Christ's holy name. Amen. Where We Are in The Jesus Way SeriesWe are in a series on two ways, right? There is the narrow way that leads to abundant life, and this morning we are talking about that way, and the way that Jesus teaches us to walk — a way that leads to abundance and to life eternal. And then the other way we'll get back to next week, and that's the broad way. It's the easy way, frankly, and it's the way that leads to death and destruction. On Father's Day next week, we will cover the lovely topic of gluttony, so you definitely won't want to miss that, dads. You're welcome. For today, though, we are in a parable that you are probably familiar with. Whether you've been around the church much or not, you definitely know what a Good Samaritan is. We even have like Good Samaritan laws, right? Well, I want to dive down deep, and I'll say this whole framing for me — the whole like two ways, the life, death — has become clarifying, we'll say, in ways that I've not anticipated and I have quite enjoyed as we've gone throughout this series. And I almost think of it as like this lens that I take and then I put it over top of the scripture that we're reading and then I kind of see what pops out, like what's new. And so here we are in a very familiar passage and it is, well, it came as a little bit of a surprise to me, exactly how Jesus frames this. So I hope you have a Bible with you. If you don't, go ahead and grab the one that's in front of you — we definitely want to turn to Luke 10 together. Luke 10:25–28: A Lawyer Asks About Eternal LifeSo again, Luke chapter 10, starting in verse 25. It starts this way as you're turning there. "Behold, a lawyer stood up to put him to the test." Here we have lawyers doing what lawyers do, right? A lawyer, though, you should know in this day and age is not what you're thinking of as a lawyer. He does not work for the IRS. He does not do like tax law or something like this. He is a lawyer of the Torah, the Jewish law, right? And so this is a man who knows his law well, but very specifically the first five books of our Bible. And this is going to become important because Jesus is going to say to him, like, what does the law say? Like, what does our Bible say, the one you and I share together, right? And so this lawyer, he has spent lots of time in the law, as we'll see, as good lawyers often do. They know the law in order to kind of skirt through it, and he's trying to do this in this passage, but he actually knows what he's talking about. So the passage goes on, and he says, "Teacher" — rabbi, this is Jesus here, our rabbi, the one we should be listening to and following — "what shall I do to inherit eternal life?" And as I'm pulling that lens, remember, and I'm putting it on and I see this phrase, eternal life, I think to myself, well, here it is. This is part of what we're trying to do for this season of our church history — looking at ways that lead to life and ways that lead to death. And here Jesus is being asked like the exact question I'm asking you and I'm trying to get us all talking about, and that I think is of utmost importance. We might even say a matter of life and death. And he says, what must I do to inherit eternal life? Now, if you were asked this question, if somebody on the street came to you, it's worth asking, like, what would you say? How would you answer that question? What "Eternal Life" Actually Means in the Greek: The Age of Life vs. The Age of Death Backing up just a minute, this phrase eternal life needs just a little bit of clarification. The word for eternal here is not exactly the platonic, like, eternal sense that you and I often use it. Now, it might mean that to a degree, but only in like a secondary sense. It actually comes from a Greek word, eon — or the English version is eon. Eon is an age, right? There's one eon, and then there's the next eon, there's one age, and then there's the next age. And he's asking him, well, how do I get myself into the age of life? It's important that you know that there is an age of death — or as Paul calls it, the evil age, right? This age actually is that, right? It's the age that ultimately we all know is hovered over by these two things of sin and death and evil, and it lurks about, and none of us get out of here alive, right? That's why this age is the age of death. And this is why the Bible speaks to this matter over and over and over again. And this is the final enemy, death. And so the man is asking a very good question, which is, how do we make it out of the age of death and then make it into the age of life? And he has in mind — he thinks like a good first century Jew — and I need you to think this way for a second so that we can maybe make it a little more complicated. His timeline goes like this. There's the age in which we live, the age of death. There's then an ending to that, and there is a resurrection that happens of all people, good and bad. And then there's a judgment that happens, and the people are either judged good or bad. And then there is the age of life. That might be how you're thinking of things right now, in fact. But here's the important wrinkle. A resurrection has already happened. A resurrection has already happened. And so when Jesus is resurrected, the timeline gets shoved into the present. And then also, with that happening, there is a real sense in which judgment has also happened, and yet is also going to happen. It's a both-and. And Paul, if we had time, he gives us both of these. But the point is actually this — what Jesus does is he drags eternal life and he puts it smack dab into this life. And this life is where eternal life begins. And he'll say things like, "the kingdom of God is in your midst, is among you." He's referring to himself. He's saying, through me starts this eternal life. It's here and it's now. And so when Jesus is being asked this question — what must I do to enter into this age of life? — he doesn't say it out loud, but he is saying, well, it starts right now. It's not something we're pushing off to the future. We don't just kind of do all the right things now and then punch a ticket and then we get into the thing. No, you're in it right now. Jesus Tosses the Question Back: How Do You Read the Law?And so he says to this lawyer — well, he refuses to answer his question, actually. What does he do? He tosses it right back to him. And he says to him, well, you tell me, you lawyer, you know the law. What's written in the law and how do you read it? I actually love that last question — the "how do you read it" — that is so important. I don't have time to dig down deep here, but just know that we should all be asking, like, how do we read this scripture? Like, how do you read it? We all read it slightly differently, but Jesus wants to teach us how we read our scripture. And so the man says, "You shall love the Lord your God with all your heart and with all your soul and with all your strength and with all your mind, and your neighbor as yourself." And Jesus, maybe to his shock, certainly to my shock, says, wow, you're correct. You got it right. Like, that is the answer. And in fact, in the other Gospels, Jesus is the one to say these things. Who knows? Maybe this lawyer got it from Jesus. And he says, you're supposed to love God. And by the way, all of those categories — that just simply means your whole being, everything you are. You're just supposed to love God with like every last ounce of who you are. And then love your neighbor as yourself. And this is the simplification of all things. It's the simplification of the law, the scriptures, what God is trying to do with the world. It is just love, right? Love God, love your neighbor. Now, I'd add this. When we talk about loving our neighbor, the Bible breaks down for us to love God with our souls and our minds and our strength and all these various aspects of who we are. And I would say, well, that's just a description of how to love. And we should do the same with the people in our lives. We should love them in similar kinds of ways, with our whole being. "He said to him, you have answered correctly. Do this and you will live." Again, there's our word — life, right? Well, how do we live a life? And how do we do it right? And how do we stay on that narrow path? He says, well, do this. The guy gets it. "Who Is My Neighbor?" — The Question Jesus Refuses to Answer DirectlyAnd if we stopped there, we would feel really good about this passage and it'd all be done. But the man, remember, he's a lawyer and he knows his law. And the job of the lawyer is to get around the law and to kind of sneak through it. And so he says the follow-up. He wants to justify himself and says to Jesus, well, excuse me, who is my neighbor? Jesus does not answer this question. I'll just go ahead and say that very clearly here. Jesus does not answer who the neighbor is. He pulls up the example of somebody being a good neighbor — that is the Samaritan — treats the robbed man that we're going to meet here as the neighbor, but the Samaritan is not actually technically the neighbor here. He's the one who's doing it right, who is loving his neighbor well. All of this explodes the boxes that this lawyer no doubt has, and it should explode ours too. And I can't go into exactly what a Samaritan is, but I assure you, the lawyer is thinking the Samaritan is not one of us. Whoever the "us" is for you — not one of us. He's over there. He's one of them. And Jesus is saying, well, look at the them. Whoever your "them" is, they're doing it right. They're the one who's loving well. And it should cause us to stop in our tracks and to ask, well, if they're able to love well, and they're finding what Jesus is calling eternal life or abundant life in this life that's leading to this eternal life, well, maybe I've got some work to do. Jesus replies to the question that the lawyer asks. He doesn't answer it. He, of course, does what Jesus does, which is to either ask a question — which is what he did the first time — or to tell a story, which is what he does this time. Luke 10:30–32: The Priest and the Levite Pass ByAnd so he says, "A man was going down from Jerusalem to Jericho, and he fell among robbers who stripped him and beat him and departed, leaving him half dead. Now by chance, there was a priest going down the road, and when he saw him, he passed by on the other side. Well then likewise, a Levite came to the place, saw him, passed by on the other side." I assure you, the Levite knows the law too, right? And the priest, well, he knows the law too. And Jesus is saying, do the priest or the Levite do the law? That is, do they love their neighbor? And the answer is very clearly no, right? They do not. Luke 10:33–35: The Samaritan and the Meaning of CompassionNow the Samaritan, whether or not he knows the law is actually not exactly clear, and in some ways not even to the point. The Samaritan does the law. He does the thing that should be done here, which is he sees the man half dead, and he goes to help him. I would stop here for just one minute and point out this word to you — compassion, at the end of verse 33. Compassion. This word shows up only three times in your gospel of Luke. It shows up in the following ways. The widow of Nain — Jesus encounters this woman who already is a widow. She's lost her husband. She then loses her son in the story that is being told. And Jesus looks at this woman who has lost her husband and her son, and he has compassion. Which is to say, the word itself means like his insides are like turning outside, and he's like physically in pain watching this woman and is feeling her pain, right? It also shows up in the passage we're going to talk about next week as you join us for gluttony, which is the story of the prodigal son, actually. When the prodigal son returns home from his gluttonous encounters, the father is there and he looks at him from afar and he has compassion on him. His insides are turned outside. And then here, the Samaritan — he looks at this man and he has compassion on him. I would say if we are going to love at all, we need compassion. If we are going to love our neighbor as ourselves, it is going to require us to put ourselves into the very shoes of the neighbor, to walk the mile with them, to see ourselves as the dead man on the side of the road who needs help, and to ask the question, if I were that dead man, what would I want this priest to do for me? If I were that dead man, what should that Levite do? I'm crying out for him, and he walks right on by. That is not keeping the law. But the Samaritan — the Samaritan sees him and is able to put himself into his place and to see the position that he's in, which is helpless, and he has the ability to do something, and he does. Interestingly, this idea of love is then here for the next few verses explained not as a feeling the Samaritan has — because we all have the feeling when we see something bad happen, and we're like, oh, that's awful, oh man, I feel so bad for this person — love requires action. It requires actually doing something, which is precisely what the Samaritan does in the verses that follow. In verse 34, "He went to him, to the man dying on the side of the road, and he bound up his wounds, he poured on oil and wine to heal them, and then he set him on his own animal, and he brought him to an inn, and he took care of him." This doesn't even account for the fact that he took time out of his own, no doubt, busy schedule to stop and to help this man and to assist him to a place. And he probably missed a really important meeting. And I'm sure some friends and some family were probably upset with the Samaritan who was supposed to be home for dinner. And he missed the kid's soccer game. But he did this very important thing that was in front of him. But it doesn't even stop there. "The next day, he took out two denarii. And he gave it to the innkeeper. And he said, take care of him. And if you spend more, keep track of that, because I will repay you when I come back." This is a man who loves in a way that goes above and beyond, and it is active. It's not just a man who walks and says, oh, there's a person that is almost dead over here, and that's tragic, as he keeps walking on by. This is the kind of love that God is calling us into as well, and this is the narrow road that leads to life. You might understand why now it's a narrow road, because it's difficult to walk. It's the road less traveled. It's the one that requires something of you. "Go and Do Likewise": Love and Life Are InseparableAnd then Jesus finishes up. He says, "Which of these three do you think proved to be a neighbor to the man who fell among the robbers?" And the lawyer has to confess, well, I guess it's the one who showed mercy. And then Jesus says again, well, you got it right. "Go and do likewise." Go and do likewise. When I think about this passage and this idea that we are to walk down this narrow road that leads to life — life and love, in my mind, are almost like one in the same. They all come together, these two come together in ways that are almost impossible to pull apart as you dig down deeper and deeper and deeper into what a full life is. I was trying to wrestle with the question, why does this road lead to life? Like, why does loving someone lead to life? And here's what I think Jesus is doing. Remember, Jesus has pulled eternal life into this life. The very one that you're in now, listening to me speak. And love in this life, this eternal life we're hopefully, prayerfully in — it is the substance of it all. Love is the design of humanity. It is what we were made for. In Eden, when we were created, we were created to love God. And then it was not good for man to be alone. So he creates Eve, and we were meant to love one another. And then he looks at the first couple and he says, multiply, make more of you, and then love them too. And this is what it's all for and all about. The God who made us is in himself self-giving love — Father, Son, and Holy Spirit. If the Trinity means one thing, it means pouring out love one to the other to the other. And we are made in that kind of image, which means the great commandment — love God and love neighbor — this is not a rule that gets bolted onto the side of life, as if it's like some sort of external hope that you might do this at some point. It is the manufacturer's description of how this whole thing runs. Withholding love doesn't keep you safe, and spending love doesn't drain your life. Jesus, in fact, says, do these things and you will have life. Jesus Is the Good Samaritan: He Crosses the Road to Find Us Half DeadWe see this love most clearly in the person of Jesus. When he pours himself out on the cross, he redeems us. He snatches us out of death and delivers us into an age of life, eternal life. If Jesus has done this for me, well, then he must love me, right? And if Jesus has done this for you — and he has — then he must love you. But Jesus has loved the whole world and God has sent his son that we all might have eternal life, that we all might be entered into the age of life. And why love? Because God loves you, and he wants us to love one another and to love him as we were intended to do. Communion: The Table as the Place Where Love and Life MeetAs we come to the table this morning, it is important that we recognize that this two-fold command of love — to love God and love our neighbor — it is kind of one thing. I would suggest to you that when God says to us that we are to love him, what he does not mean is that we have like a really nice worship service together and I have all the feels and it's just me and God and I'm loving every minute of it. And I don't even think he means like, well, I love God and therefore I pray every day and I love God and I'm reading my Bible every day. These are all very good things and they actually do lead you to God. So don't misunderstand me. But what I think he means is he pairs that with love your neighbor, because that is the ultimate understanding of whether or not you love God well. Because every person in this room around you right now and every person you've ever met in your life is bearing the image of God. And if you can't love them well, it is worth asking whether you're loving God. And so this morning as we come to the table, we are reminded that Jesus has poured himself out for us. He has shown us what love looks like. He literally puts his hands on the cross like this, and he opens himself up for humanity. And he takes the penalty that was due to us, and he offers us a way to God. I find Jesus directly in the parable of the Good Samaritan. In fact, many interpreters have. It turns out he's not the priest, he's not the Levite, he is the Samaritan, though. He is the outsider, the despised one, yet the one who actually does the law of love. And he comes to our roads where we are lying half dead and he has compassion on us. He looks at us in our estate and he is moved. His insides turn outside. He says, I want something better for this child of mine. I want them to live a full life now, and eternal life forever. This is what I want for them. And so what does he do? He binds up our wounds. He pours the oil and the wine on them. He pays the price. And he promises he will come back to pay the rest of it. And this is what the table is. On the night before Jesus died, he took bread and a cup and he said, this is my body and this is my blood. And it is poured out for the forgiveness of your sins. We have all been robbed by the age of death. But we have also participated in the age of death. And we need forgiveness from that. So Christ, he crosses the road and he offers us a hand up and out of it. And this morning we get to participate in the forgiveness of sins that he offers to each and to every one of us. Our Call: To Be the Samaritan for OthersHe then expects something of us. As people who are walking down that road with him, the dust of the rabbi getting all over us — you remember that? — as we walk that way of love, we then too must take up the role of the Samaritan for the others who are around us. Our job in this world is to bandage those who are hurt and broken and to pour whatever oil and wine Jesus has given to us onto their wounds too. And we're to lift them up out of their estate. And this, this is what it means to be a follower of Christ. Let's pray together. Heavenly Father, Holy Son, and Holy Spirit, you are self-giving love, perfected. God, we have fallen short of your glory, no doubt. We have sinned and are in need of a Savior. And so, Jesus, this morning, we come asking one more time for your salvation. Some of us, this might be the first time, saying, I need a Savior. I need someone to bandage up the wounds that are just too deep. I can't do it myself. Or somebody is lying there saying, I am half dead. I can't do this by myself. And Jesus, we know you are saying to them right now, I am here for you. I am here to bind those wounds and to raise you back to life again. So God, as we prepare our hearts for the communion table, we ask that we do so with sincerity and with gravity, knowing the cost that you have paid — your very life. And that out of this should flow for all of us gratitude, a thanksgiving. And for all this and more, we give you thanks and praise. In Christ's holy name we pray. Amen.‍ ‍South Run Baptist Church | 8712 Selger Drive, Springfield, VA 22153 | Sunday Worship at 11am Serving Springfield, Burke, West Springfield, Lorton, Alexandria, Fort Belvoir, and Franconia, Virginia. Listen on Apple Podcasts or Spotify

This episode was sponsored by Cardiff  LightSpeed VT: https://www.lightspeedvt.com/ Dropping Bombs Podcast: https://www.droppingbombs.com/ Today's Dropping Bombs episode delivers a masterclass in tax warfare with Mark Lewis — a federally-licensed Enrolled Agent who spent 15 years battling the IRS before cracking the code on strategies the ultra-wealthy and big corporations have quietly used for decades. Now he helps small and mid-size business owners slash their taxes below 25%, protect assets from lawsuits, and build generational wealth using the same corporate structures as 9-figure companies. Mark breaks down why your S-Corp is a trap, how Amazon-level corporate structuring is legally available to small business owners, and the six financial lies keeping most entrepreneurs overpaying by thousands every year. From the "earn vs. control" mindset shift, to the Augusta Rule, offshore trust myths, and why your CPA's silence is costing you more than their fee — this episode covers it all. If you're making money and handing more of it to the IRS than Fortune 500 companies do, that's not a tax problem — it's a structure problem. And this episode tells you exactly what to do about it.

Subscribe to Throwing Fits on Patreon. The power of friendship is true and real. This week, Jimmy and Larry are preparing to head out to Paris Fashion Week (where we will also be hosting a live podcast), but first are cutting one more pod at home celebrating the NBA Champion New York Knicks, James gave back to the community by helping organize a screening and lost his MF Doom mask in the process, Lawrence had to deal with the NYPD before attending the ticker tape parade, Zohran Mamdani is hotter than ever even if resellers tried to ruin his cool soccer jerseys, the biggest RIP to the legendary Nigel Cabourn and we reminisce about the wonderful day we spent with him in Newcastle, sympathy for and a photo op with the devil, the jokes about Snapchat's new specs write themselves, Kiki's was seized by the IRS, shopping at Stòffa with Ousmane Dembélé and Julie Ragolia, Human Made acquires Undercover, and much more.

The tax rules changed, and many business owners still don't know how it affects them. In this episode, Tiffany Phillips breaks down four major tax strategies from the One Big Beautiful Bill that could create significant tax savings in 2026. This isn't theory. It's practical CPA advice with real numbers and real examples that can help you keep more of what you earn. If you're a business owner or real estate investor, these are decisions that need attention before year-end. Don't wait until tax season. Listen now and discover the moves that could save you thousands. Next Steps: ➡️ Overpaying your CPA and the IRS? Learn how to stop it in this free training: https://go.phillipsbusinessgroup.com/registration

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

This episode is the cornerstone of our new "Stay Curious" brand campaign. It addresses a profound human paradox: we claim to want growth and enlightenment, but we remain "Prisoners of Certainty." We'll explore why our biology pushes us toward the "safety" of knowing, and why that "knowing" is actually a mental wall blocking us from our next breakthrough. We're moving the conversation from "Try and try again" to "Stay open and see what else exists.   Follow Dr. JC Doornick and the Makes Sense Academy:► Makes Sense Substack - https://drjcdoornick.substack.com ► Instagram: / drjcdoornick ► Substack: / drjcdoornick ►Facebook:  / makessensepodcast ►YouTube:  / drjcdoornick     MAKES SENSE PODCAST Welcome to the Makes Sense with Dr. JC Doornick Podcast. This podcast explores topics that expand human consciousness and enhance performance. On the Makes Sense Podcast, we acknowledge that it's who you are that determines how well what you do works, and that perception is subjective and an acquired taste. When you change the way you look at things, the things you look at begin to change. Welcome to the uprising of the sleepwalking masses. Welcome to the Makes Sense with Dr. JC Doornick Podcast. SUBSCRIBE/RATE/REVIEW & SHARE our new podcast. FOLLOW Podcast: You will find a "Follow" button in the top right. This will enable the podcast software to alert you when a new episode launches each week. Apple: https://podcasts.apple.com/ca/podcast/makes-sense-with-dr-jc-doornick/id1730954168 Spotify: https://open.spotify.com/show/1WHfKWDDReMtrGFz4kkZs9?si=003780ca147c4aec Podcast Affiliates: Kwik Learning: Many people ask me where I get all these topics, which I've been covering for almost 15 years. I have learned to read nearly four times faster and retain information 10 times better with Kwik Learning. Learn how to learn and earn with Jim Kwik. Get his program at a special discount here: https://jimkwik.com/dragon OUR SPONSORS: Blue Blinds Bakery - Hand Crafted with all-natural ingredients - www.blueblindsbakery.com   0:00 - Teaser 0.28 - Intro 1:21 - The More Certain you are, the less room there is for growth. 2:53 - Great Morning 3:13 - The Most Dangerous Prison in the World 6:46 - The Scientist 8:26 - Disgruntled Listener 10:39 - Intellectual Humility 11:52 - The Evolutionary Trap 15:26 - How does certainty fit into the IRS? 18:21 - Curiosity Upgrades 18:55 - Exclamation Points vs. Question Marks 21:13 - The Power of Maybe 23:28 - Curiosity vs. Indecision   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Supremes love reefer, though not as much as they love guns. Ben riffs. Attorney Jim Coogan updates us on the latest mis-justice of Trump's “Justice” Department. Including…Broadview 6. IRS “settlement.” E Jean Carroll retribution. Also, Jim confronts the Bears question. Jim is managing partner Coogan Gallagher. See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This week on This Week in AML, Elliot Berman and John Byrne unpack major developments shaping the financial crime landscape. They discuss FinCEN's guidance expanding Section 314(b) information-sharing to include fraud and what it means for financial institutions. The conversation also covers new CFPB guidance on lending and immigration-related risks, increased IRS scrutiny of nonprofits, and enforcement actions from the UK and New Zealand. Plus, they explore growing concerns about the future of U.S. anti-financial crime leadership, the challenges of beneficial ownership transparency, and ongoing investigations tied to high-profile cases.

Legal Analyst, Roger Bonakdar joins Philip Teresi breaking down some stories from a legal perspective. Despite a judge’s ruling last week returning the Granite Park Sports Complex to the city of Fresno, the city has not taken possession, City Manager Georgeanne White confirmed. The city attempted to evict nonprofit Central Valley Community Sports Foundation and received a favorable ruling. But CVCSF is still in control as the process plays out, including an appeal, said Terance Frazier, president of the CVCSF. Josh Boswell published a story earlier this year in The Daily Mail that scrutinized the income Jennifer Siebel Newsom draws from The Representation Project, an organization that challenges gender stereotypes. Siebel Newsom, the not-for-profit’s COO, and her company, Girls Club LLC, were paid $3.7 million since 2012, according to Boswell’s report, which cited IRS records. Many European tourists have been documenting their first-ever trip to the U.S. this month to support their home nations in the 2026 FIFA World Cup. In the process, international soccer fans have discovered their love of ranch dressing, a popular condiment in America. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Send us Fan MailShownotes can be found at https://www.profitwithlaw.com/538.Most law firm owners think they're covered on taxes. They've got a CPA. Returns come in on time. No audits. What else is there?A lot, actually.The difference between a tax preparer and a tax strategist isn't just terminology — it's tens or even hundreds of thousands of dollars a year. And if nobody's having proactive conversations with you throughout the year, those strategies disappear on December 31st. Every year.In this episode, Moshe sits down with Boris Musheyev, CPA, certified tax strategist, and founder of BorisMTax, to have the conversation most firm owners never get to have.Chapters:[00:00] Why law firm owners must rethink tax planning for business growth[02:52] Discover how proactive tax strategies lower attorney tax liability[05:08] Learn the difference between tax preparers, planners, and strategists for your firm[10:06] Implement essential tax strategies that boost law firm profitability[12:51] Use advanced tax planning for lawyers to maximize business deductions[17:56] Optimize retirement planning with advanced strategies for attorneys[23:02] Follow a step-by-step tax planning process to reduce firm taxes[27:18] Maintain records and documentation to protect your firm in an IRS audit Resources mentioned:

John is joined by Shawn Fagan, the Chief Legal Officer of Citadel LLC and a key legal figure at Citadel Securities. Citadel is the most profitable hedge fund globally, while Citadel Securities is a leading market maker, processing nearly one-third of U.S. equities and options trades. They discuss Shawn's insights into the unique legal challenges of these rapidly growing organizations.Shawn has essentially four clients: Citadel, Citadel Securities, founder Ken Griffin, and Griffin's family office. His responsibilities extend beyond legal oversight to include regulatory affairs and compliance, reflecting the complexities of modern finance.Shawn's journey to Citadel was unconventional. He started as a litigator at Bartlit Beck, a boutique trial firm, where he spent nearly half his time in trial. He participated in high-profile cases, including Bush v. Gore, but ultimately realized that trial work was not his passion. A chance meeting with Ken Griffin led to an in-house opportunity at Citadel, where he has now been for 20 years.During that time, Citadel has grown from 1,000 employees and $12 billion in assets under management to 4,900 employees and $65 billion in assets under management. The focus of Shawn's role at Citadel is building the right teams to meet the demands of rapidly growing markets around the world, developing technology to ensure regulatory compliance across billions of transactions every day, and maintaining consistent standards in an organization that continues to grow at an extraordinary pace.Citadel has engaged in several high-profile legal battles, including lawsuits against the SEC and IRS, reflecting the firm's willingness to challenge regulations it views as unreasonable and unduly burdensome. When retaining outside counsel, Shawn looks for lawyers with strategic vision who can articulate a clear path to winning cases.Podcast Link: Law-disrupted.fmHost: John B. Quinn Producer: Alexis HydeMusic and Editing by: Alexander Rossi

Michael Smith—Managing Partner and Founder, Emerald Advisors Michael Smith shares how a client-first philosophy, niche specialization, and independence helped Emerald Advisors grow from $385mm to more than $1B in assets. In Summary What happens when an advisor builds a business around client service rather than operational efficiency? Jason Diamond speaks with Michael Smith, Founder and Managing Partner of Emerald Advisors, about the path from a successful Merrill practice to an independent RIA that has grown from approximately $385mm to more than $1B in assets. Along the way, Michael shares the story of being told he was “overservicing” clients, why that moment became a catalyst for independence, and how a highly specialized service model fueled the firm's growth. Drawing on lessons from a 24-year Navy career, Michael offers a perspective on leadership, specialization, client care, and what it takes to build a durable business in today's wealth management landscape. The Storyline Growth is often viewed as the result of marketing, referrals, acquisitions, or scale. Michael Smith sees it differently. After building a successful practice at Merrill, Michael found himself at odds with the constraints of the traditional wirehouse model. What ultimately stood out wasn't compensation, technology, or platform capabilities. It was a philosophical difference around client service. When he was told he was spending too much time helping clients navigate tax planning, equity compensation, and other financial decisions outside the traditional scope of investment management, he began to question whether the model aligned with the way he wanted to serve families. That realization eventually led him to launch Emerald Advisors in late 2019. The firm started with roughly 85 clients and approximately $385mm in assets. Today, Emerald serves more than 225 families and oversees more than $1B in assets. Throughout the conversation, Michael reflects on the lessons learned from building an independent firm, developing a niche around concentrated stock positions and executive compensation, navigating custodial and technology decisions, and creating a culture rooted in accountability and service. Underlying it all is a simple belief: when firms become highly intentional about who they serve and how they serve them, growth often becomes the outcome rather than the objective. Topics Covered Merrill breakaways and independence Client service as a growth driver Building an RIA RIA growth and scalability Organic growth strategies Concentrated stock positions and equity compensation planning Ideal client personas and niche specialization Schwab and Fidelity custody relationships Advisor succession and enterprise value Navy leadership principles in wealth management The rise of mega RIAs Advisor technology and infrastructure > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did being accused of “overservicing” clients become a turning point? (08:15)Michael explains how a conversation with management revealed a deeper misalignment between his client-service philosophy and the wirehouse model. What does client service look like beyond portfolio management? (11:30)The discussion explores how tax planning, equity compensation guidance, and proactive coordination can deepen client relationships. Why can specialization accelerate growth? (15:45)Michael shares why serving a defined niche often creates stronger referrals, greater expertise, and clearer positioning. How has the RIA landscape evolved since 2019? (20:30)Michael reflects on the rise of mega RIAs, changing technology capabilities, and why he believes independent firms still have significant advantages. What role do custodians really play in an independent business? (23:15)Michael discusses his experience working with Schwab and Fidelity and why he views custodians as strategic partners rather than competitors. Is the wirehouse model still the right fit for some advisors? (26:45)The conversation challenges the assumption that independence is the best path for everyone and explores the realities of running a business. Does reaching $1 billion in assets actually change anything? (32:45)Michael offers a practical perspective on growth, success, and why asset milestones can be misleading. What can advisors learn from the “steamboat” philosophy? (37:15)Drawing on his Navy experience, Michael shares a leadership framework that continues to shape how he approaches business building and decision-making. Key Takeaways Exceptional client service can become a meaningful competitive advantage when it extends beyond investment management. Independence gave Michael the flexibility to build a service model that aligned with his philosophy rather than adapting his philosophy to fit the platform. Developing a niche around executive compensation and concentrated stock positions helped accelerate Emerald's growth. The ability to make technology, custodial, and operational decisions quickly remains a significant advantage for independent firms. Not every advisor should be independent. Running a business requires a different set of skills and responsibilities than serving clients alone. Growth milestones are useful, but they do not define success. Michael believes success existed long before Emerald reached $1 billion in assets. High-performing teams with a clear client focus often find that growth becomes a natural byproduct of execution. https://youtu.be/RjzsMcC2DnY Quotable Moments “I literally had to go back and Google the word overservicing.” “Servicing the client is the most important thing that we can do today.” “If you serve a niche and you're very good at that niche, that word gets around.” “Growth becomes the outcome.” FAQs Can an advisor really “over-service” clients? The discussion explores the tension between efficiency and depth of service. While some business models prioritize scale and consistency, others are built around solving a broader range of client problems. The right answer often depends on the advisor's philosophy and business model. Does specialization still matter in a relationship business? Michael argues that developing expertise in a specific area can accelerate growth by making referrals easier and helping advisors become known for solving a particular set of problems. What actually changes when an advisor becomes independent? Beyond economics, independence often creates more flexibility around client service, technology, processes, and business decisions. At the same time, advisors assume responsibility for running the business itself. Is full independence the right path for every advisor? No. Michael acknowledges that many advisors benefit from the structure, support, and resources available within traditional firms. Independence offers flexibility, but it also introduces complexity and responsibility. How should advisors think about the $1 billion milestone? Michael views asset milestones as useful benchmarks but not measures of success. In his view, business quality, client outcomes, and sustainability matter more than any specific asset number. What role does an ideal client persona play in growth? Rather than trying to serve everyone, Emerald built its business around a clearly defined client profile. Michael believes that focus improves service, creates operational consistency, and supports organic growth. How can advisors balance growth with client service? One of the central themes of the episode is that growth and service are not necessarily competing objectives. In some cases, a differentiated service model becomes the reason a business grows. The discussion explores the tension between efficiency and depth of service. While some business models prioritize scale and consistency, others are built around solving a broader range of client problems. The right answer often depends on the advisor's philosophy and business model. Michael argues that developing expertise in a specific area can accelerate growth by making referrals easier and helping advisors become known for solving a particular set of problems. Beyond economics, independence often creates more flexibility around client service, technology, processes, and business decisions. At the same time, advisors assume responsibility for running the business itself. No. Michael acknowledges that many advisors benefit from the structure, support, and resources available within traditional firms. Independence offers flexibility, but it also introduces complexity and responsibility. Michael views asset milestones as useful benchmarks but not measures of success. In his view, business quality, client outcomes, and sustainability matter more than any specific asset number. Rather than trying to serve everyone, Emerald built its business around a clearly defined client profile. Michael believes that focus improves service, creates operational consistency, and supports organic growth. One of the central themes of the episode is that growth and service are not necessarily competing objectives. In some cases, a differentiated service model becomes the reason a business grows. Related Resources The Transitioning Advisor's Lament: Things I Wish I Knew Before Freedom vs. Familiarity: Is it Worth Disrupting Comfort for Something That Might Be Better? IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider Advisor Transition Report 2026 Guest Bio Michael Smith, CPWA® is the Founder and Managing Partner of Emerald Advisors, an independent wealth management firm overseeing more than $1 billion in assets for affluent families, executives, and business owners with complex planning needs. Mike entered the wealth management industry in 2005 after a distinguished 24-year career in the United States Navy, where he served both as an enlisted sailor in the Submarine Force and later as a Limited Duty Officer aboard USS Abraham Lincoln and on major staffs around the world. He earned a Bachelor of Science in Management and an MBA with dual emphases in Finance & Accounting and International Business. Throughout his career, Mike has been known for his commitment to comprehensive planning, helping clients navigate complex issues involving concentrated stock positions, executive compensation, tax strategy, estate planning, philanthropy, and multi-generational wealth transfer. His client-first approach and passion for education have helped Emerald Advisors grow from a startup firm in 2019 to a nationally recognized RIA serving more than 225 families. Outside of the office, Mike is an avid ultrarunner, golfer, lifelong learner, and dedicated advocate for children’s health initiatives. He is a current member of the Legacy Council at Seattle Children’s Hospital and has served in leadership and board roles supporting the Juvenile Diabetes Research Foundation, the Barbara Davis Center for Diabetes, the ALS Association, and the Alyssa Burnett Adult Life Center. He is also the proud father of Kat Smith. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story A conversation with Jason Diamond and Michael Smith, Managing Partner and Founder of Emerald Advisors.      Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story. It’s a conversation with Michael Smith, managing partner and founder of Emerald Advisors. I’m Jason Diamond and this is the Diamond Podcast for financial advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive whether that’s at a wirehouse, boutique or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned and, each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Growth is often viewed as the result of better marketing, stronger referrals, a larger team and even acquisition and that’s all true yet growth can be the byproduct of something else entirely. For example, Michael Smith built a successful practice at Merrill then, one day, he was told he was spending too much time with his clients, or his management put it over-servicing clients. For Michael, that wasn’t a warning sign about his approach, it was a signal that he might have outgrown the firm and the model. Today, Michael is the founder and managing partner of Emerald Advisors, the independent RIA he launched in late 2019 with roughly 385 million in assets and 85 client relationships. Less than seven years later, the firm has grown to more than a billion in assets while remaining deeply focused on a highly-specialized client base and an unusually hands-on service model. What makes this story particularly interesting isn’t just the growth, it’s the thinking behind it. Michael’s perspective was shaped long before he entered wealth management. After serving more than two decades in the Navy, he brought a leadership philosophy centered on accountability, discipline and what he calls steamboat people, those who keep moving forward regardless of conditions, that mindset continues to influence how he builds his team, serves clients and evaluates opportunities. In this episode, we discuss the decision to leave Merrill, the realities of launching a fully independent RIA, why specialization can accelerate growth, the evolving role of custodians and technology and why he believes exceptional client service remains one of the industry’s most durable competitive advantages. Because Michael’s experience suggests that growth isn’t always the result of finding more opportunities, sometimes it’s the result of creating the freedom to execute the vision you already had so let’s jump in. Michael, thank you so much for joining us today. For starters, can you walk us through your background and what brought you to the world of wealth management? Michael Smith: Jason, thank you so much for the opportunity to be here today, I do listen to the podcast a lot especially before I left Mother Merrill. But my background and how I got into financial services is really distinct because I was on the board of JDRF back in the day and the national sponsor for JDRF was UBS PaineWebber and they’re like, “Mike, why don’t you be a financial advisor?” And my master’s degree was actually a finance and accounting in portfolio management because I’ve managed my own portfolio for years and years and so, when I couldn’t get a job, I just fell into it because I couldn’t get a job and I needed a job. That was 21 years ago, Memorial Day so that’s how I got into this industry. Jason Diamond: It’s a unique background, it’s super interesting and I want to talk more about it. You mentioned Mother Merrill, we’ll certainly get there. Before we do, give us a little bit of context on the current business you operate, Emerald Advisors, any context you can share on size, number of staff, types of clients you serve would be great. Michael Smith: Sure. So, we launched Emerald in 2019, November 2019 with about 85 clients and you always talk about this on the podcast how scared it is to launch and go independent. And I would say we took over about 95% of our clients that we wanted to bring over and today we’re at about 230 clients, I think we have some onboarding right now, we have just over a billion of assets. So, we launched with the 85 clients and around 350, 385 million, now we’re over a billion. Jason Diamond: Good for you. Michael Smith: Thank you. And I launched with four employees and we’re now at 11. And I would give a shout-out to one of my key employees because, when I launched, I actually hired somebody that had no experience with us and that was really a good thing because that allowed that person to really focus on operations and back office stuff while my business partner Emily and I were able to focus on bringing on the clients and alleviating any issues that they may have or thought. Jason Diamond: So, meaning you hired somebody basically immediately upon launch to help you with the transition and with this next chapter? Michael Smith: Correct. I hired them before but they started the day we launched. Jason Diamond: Brilliant, I love it. Oh, let’s definitely talk more about that because I think that’s a great strategy for … You’re right, you said it in a joking manner now because you’re seven years past but it’s a very real fear that advisors have and I think it’s worth talking more about. I want to mention too you have, obviously, built this business and grown this business dramatically. I don’t want to make this episode about the pandemic but you moved the business at a, certainly, a unique time. Did it impact your growth at all? Did you feel like you hit a brick wall? Just curious about your thoughts. Michael Smith: No, Jason, that’s a great observation. I would venture to say that the pandemic was actually a good thing for us. Jason Diamond: Interesting. Michael Smith: And I say that because, all of a sudden, you could hit pause because everyone was relearning how to do business, how do we do client reviews, how do we communicate with clients in a environment. So, I think the pandemic allowed us to just really reset our expectations visiting with clients because I used to fly a lot because I have clients in 38 different states so this has actually been, not just good for me, but good for the industry because I think it’s reset our expectations that we don’t have to be every day with a client facing. Jason Diamond: I agree with that largely and it’s true of our business too, by the way, it’s certainly reshaped the way people expect to be communicated with. I think Zoom has become much more mainstream, phone calls and we’ve heard from many other advisors who say something similar. I was just curious because you moved so close to or if there was an impact but I get, honestly, I think you’re right, it allowed you to have this nice natural inflection point and almost like flipping a switch of a clean slate. Michael Smith: It allowed us to learn the processes too. So, we launched in November 1st, by March we were in lockdown and so it gave us the opportunity to take several months of just learning the processes of how to be an RIA, it was pretty good. Jason Diamond: Absolutely. So, one of the things you mentioned in that was the way in which you serve clients and I’d read something funny and I think it was around the time of your move. You were talking about that, Merrill, you had a manager who spoke about that you would overserve your clients, you serve clients too much, tell me about that. Michael Smith: That was such an interesting topic because I got called down to the ops officer’s office and they’re like, “Ugh, Mike.” And it brought my admin down with me and they’re like, “Mike, these reports that you’re taking care of your clients too much,” and I’m like, “What do you mean?” “Well, you’re overservicing them.” Jason, I literally had to go back and Google the word overservicing because I was like, “How do you overservice the client? I’m not making their bed.” It was just so funny to me that I got counsel for overservicing clients when we’re in a client-facing job and I think that was part of the catalyst. Jason Diamond: Tell me more about what they meant, you think. Michael Smith: Hindsight, I think they … I like to take care of people which means I’m very intuitive towards taxes, I understand how the tax code works, I understand how everything impacts their bottom line. So, when we’re doing deferred comp enrollments or 401(k) enrollments or I’m a big believer in Roth 401(k)s and backdoor Roths and I’ve been doing them for years, I think what Mother Merrill wanted at that time was us not to do that. And, again, nothing against Merrill, I get it but this is how they wanted us to act and I wasn’t in that mold, I was taking care of clients to a much deeper depth is how I would say it. Jason Diamond: And I think that speaks to you outgrew the model not necessarily the firm. I think Merrill does a lot of things really well, you would agree with that, I think given that you built 85 clients and 350 million in assets is nothing to sneeze at. But the model that it seems like you value client service and an integrated client service experience of that and the wirehouse model oftentimes doesn’t put a premium on that. Tell me about your ethos or your thoughts around client service today and what being independent enables you to do. Michael Smith: So, that’s an interesting observation because one of my clients actually just mentioned to me that the reason we’re growing so much is because of our service model and the fact that we deliver a tremendous amount of value over just portfolio management. I said my managers is in portfolio management, I don’t do that any longer, I have a staff that handles that for me but it’s really the servicing of the clients because they don’t know what we know and I think servicing the client is the most important thing that we can do today. Jason Diamond: Give me some examples of what you mean by servicing the client in a more holistic way. I agree with you, by the way, portfolio management, table stakes, financial planning, table stakes, tell me more about what you mean. Michael Smith: By that I mean we do a quarterly review on tax. So, a lot of people don’t understand how taxes work and how estimated taxes work. So, estimated taxes are January 1st to March 31st, January 1st to May 31st, January 1st to August 31st, that’s how you do your estimated tax payments, you figure out what that is. And for compensated employees where they have RSUs that come in at different times of the year or different grants or exercise their options at a different time, that can affect their estimated tax liability and I’m not big on giving Uncle Sam any more money than they have to have until they need it. And then everyone doesn’t understand how the penalties and interest works on the IRS. And I’m big on the tax payments because that’s where we can add a lot of value for not a lot of time and we integrate it with our portfolio so we know what we’re doing with our gains. And I happen to reside in Washington State which has a long-term capital gains tax rate once you surpass about 270,000 of long-term capital gains. So, it’s super important for us to be aware of this and that’s how we service them. We also help them with their rebalancing of their 401(k)s, things that wirehouses cannot supposed to do, we are not supposed to be helping them with some of their aspects of life. Jason Diamond: Yup. That’s what I was alluding to earlier, it’s limitations on the model, not because they’re bad models, it’s just a different way, a different ethos around client service. You mentioned RSUs and corporate employees, I know that’s a niche you have is around concentrated stock positions and equity comp plans. I guess let me ask you two different questions around this. First of all, why that niche? Interested. And then, second of all, do you think a team needs to have a specialization to be competitive these days or do you think it’s okay just to be like, “My job is to be the best advisor and I want to service assets wherever those assets may come from?” Michael Smith: Another great observation. I’m going to address the niche first and foremost. I think, and I talked to R.J. Shook’s staff just recently, and having a niche gives you a specialization and it also accelerates your growth factor. If you serve a niche and you’re very good at that niche, then that word gets around. If you’re a jack of all trades, you can do lots of things but I don’t think you’re focused and you’re not hitting the right numbers that I like to see. And I think that would be my theme is the niche allows you to focus on a very specific type of ideal client, that’s a Schwab thing where you have an ideal client persona and our firm has an ideal client persona. As far as having the equity comp, I absolutely was one of the teams at Merrill Lynch that was equity compensation designated, I managed a couple of plans. My exposure to that, Jason, I haven’t thought about this in a very long time, came from UBS where I had team members that were colleagues that were associated with the Nextel Sprint plan. And I always thought that you’re taking care of the top executives but, really, my background being in the military was how do we take care of the troops, the troops, I call them sailors, and how do we educate those sailors. And one of the things I’ve always said in my entire career in the military and I still say to this day is 50% of every bonus or a promotion or something like that should go to long-term savings. So, I use that same mentality with RSUs, with stock options, with bonuses. Set that aside, let that grow because you’re not used to spending it and you will learn to spend what you make. Jason Diamond: I think that’s a great reason, it’s super smart and I love your explanation, it was a very simplistic way. Honestly, even I hadn’t thought about that around your niche, I think, becomes almost like a force multiplier for your own growth because it’s much easier to become the guy in X, Y, Z vertical than to be the guy in every financial advisor of America, across America. Let me ask you a follow-up question, you mentioned the ideal client persona. I spend a lot of time at our firm thinking about this as well, what does your ideal client persona look like. How do you think about an opportunity though that differs from that persona? So, it’s great. Obviously, everybody, it’s easy, you get somebody who’s your perfect prospect, they walk in the front door, sign me up. But when you get something that’s not down the fairway for you, is it just I evaluate it on a one-off basis or are you super disciplined to that approach because it’s who your firm is? Michael Smith: I truly haven’t given that a whole lot of thought but I will tell you how I would handle that because I am handling it with some one-offs. I like the opportunity because you’re stretching your brain in that you’re thinking about how somebody else is reacting so you’d never know. So, I like it from a learning perspective but I also know it comes with a lot of other baggage, I’ll call it baggage, because, all of a sudden, they want to short the market, they want to go long-short strategies. So, all of a sudden, they’re not in our niche and, all of a sudden, they’re taking a lot of time, they’re draining our time so I think you got to be very careful about what you wish for. And there’s a lot of great advisors out there that will walk circles around these topics that I’m like, “Okay, I would rather refer somebody so they get the right experience than give them the wrong experience.” Jason Diamond: I absolutely love that answer. The bow you just put on it, I think, is the appropriate way in my mind to put a bow. At the end of the day, wouldn’t you rather service somebody more optimally even if you don’t believe it’s yourself, I agree with that. I want to ask you one more point on the client service piece. I was playing around on your website and, on your service model, you have health as a component of the client experience of your diagram. Why do you think health matters in a financial context? Michael Smith: I always believed in a healthy mind and a healthy body will bring so much joy to you and I think health is just part of your persona. If you don’t take care of yourself and your body and your mind, then it doesn’t matter what I do, I think you got to start with health. So, I’m very big on the executive physicals, I routinely require all of our staff to have an annual physical. And, again, they’re young people but you got to have these annual … I live and breathe going to see a doctor every year to do my annual physical, not because I think I’m pretty good health, I still run, I do a lot of things but I think your life starts with being healthy. Jason Diamond: Yeah, it’s refreshing to hear that, no doubt. It’s funny to think about but 2019 is a long time ago now and, in RIA world, I almost think of it like dog years. You’ve been around the block now for a little while so I’m curious how have you seen this space change since you launched in 2019? Michael Smith: In 2019, I didn’t know what I was doing, I could barely get out a wet paper bag but I do think it’s changed dramatically. I would say the biggest thing I’ve seen in just the six and a half, almost seven years is the rise of the mega RIAs and how they’re going to shape the industry. Everyone talked about fee compression at Merrill Lynch. When I was at Merrill, we talked about fee compression, then they talked about robo-advisors and now they’re talking about artificial intelligence replacing advisors, I don’t believe that and I don’t think that’s going to happen in the RIA space. What I see the RIA space maturing is into these very big mega firms as well as these independent RIAs like myself that serve a very niche market where we can walk in our lane. The ability to transact today is so much easier as an RIA than it was at a wirehouse as well because we have instant access to technology. My military background, my Navy background says make a decision right, wrong or different, if you don’t like it afterwards or you get new data, course change. So, in our industry, we can change on a notice. I hired a tech firm last year, I didn’t like the experience nine months into it, guess what, they’re not coming back. So, I can do that but you can’t do that at the bigger firms and even the bigger mega firms would have a hard time navigating a change just like that on a dime. Jason Diamond: You bring up an interesting point. To the extent you face competition, do you find yourself competing more against traditional wirehouse type firms or RIAs like yourself, mega caps RIAs? Are your clients attuned to any of this? Michael Smith: That’s an observation I haven’t thought of either there, Jason. I would say I don’t feel that I have a … I know there’s competition out there but we have a growth issue more than we have anything else so I don’t … I can’t take on the clients that want to become my clients so I’m not competing with people too much. Jason Diamond: A capacity issue, you mean? Michael Smith: Yeah, I have a capacity issue. Jason Diamond: I think you’re not alone in that. How can I even think about competition and the like when … A lot of advisors would probably say that. I want to talk more about the capacity situation but, before I do, let’s talk a little more about the RIA setup. Who do you custody with, remind us, and why or how did you arrive at that decision? Michael Smith: Yeah. So, when I launched, I went with Schwab, Schwab is a phenomenal partner, they helped me get a lot of stuff done, I couldn’t have done it without Schwab. During the pandemic, I realized that I should probably … So, remember, during the pandemic, we had a lot of issues with the banking industry, it was almost like a financial crisis but in a very compressed time. So, during the COVID, I decided to add Fidelity as another custodian so now I have two custodians and I opened accounts on both sides of the house but I like the custodians that are there to help you, they’re very good at what they do. I don’t even consider them a competitor and they aren’t competitors, they have their own branch so I don’t consider them competitors, I think they’re my partners and both Charles Schwab and Fidelity are good partners. Jason Diamond: Yeah, I think that’s the healthy way to look at the custody relationship. That’s a very common approach, I think, is launching with one custodian and then adding a secondary custodian or a tertiary custodian down the line for one reason or another so I appreciate you sharing that because we get those types of nuts and bolts questions a lot so I figured I’d ask you. One last question on the setup and then we’ll shift gears. Has anything been a negative? So, you talked about leaving Mother Merrill behind and, Mother Merrill, we use it facetiously but obviously it implies a degree of comfort and the homeland so I’m curious if you miss anything. Michael Smith: I miss the camaraderie of being with a bunch of other folks. I mentioned this when I first launched, I mentioned it year over year with my team, the one thing that we miss as an RIA and, again, Dynasty has their benefits as well and the mega RIAs have their benefits but, if you’re a true independent like myself, we get to go to conferences that we want to and that’s a timing issue, really, a time constraint. But one thing Merrill and Morgan, JPMorgan, and the other big wirehouses have as well as the megas, they have the ability to put conferences together for their advisors or their administrators and have this education. That’s the one thing that, I think, would evolve in the RIA industry in the future as well. They’re not my competitors, they’re my business colleagues. And if we think of them as competitors, and a lot of people do because I don’t want to share my client information or what I do with my competitor because they may steal them, if you’re that insecure, then you’re probably not the right advisor in the first place. Jason Diamond: I don’t disagree with that. It’s interesting too, I hear two common answers to that question, not about Merrill but just about somebody who’s broken away, what do you miss about the captive firm world. Either on this podcast or just in conversations with advisors, brand comes up a lot and then the point you just raised. I’ll even hear like, “Hey, forget the conferences and the trainings, just being able to have an office where I’ve got eight other advisors on a row for me, it’s a little bit of a different setup than in the independent space,” and I think that’s just a reality of you take the good with the bad. And for other advisors, by the way, one of the things I want to ask you about to this point is do you believe that there are advisors that are just better served in the W2 traditional firm world or do you think that every advisor should be looking at the RIA space? Michael Smith: I think that wirehouse serves a great purpose and- Jason Diamond: Okay, me too. Michael Smith: … there’s a lot of great people that are great advisors in that wirehouse, they need the structure. What I hadn’t alluded to is, and I mentioned this to a former manager from Merrill Lynch of mine just recently, actually, I was like, “I don’t think advisors realize what it takes to run a business.” I’m not trying to sugarcoat it, running an RIA is hard work, it takes a lot of your time day in and day out to run a business as well as taking care of and servicing your clients so I do think the wirehouse venue is the right way to go. And, Jason, I want to go back to one other thing about your identity. I launched as the Smith Group because that’s what I was known at Merrill Lynch. Within three or four months, I changed that name to a firm because I did not want to be associated with it. So, when you’re at one of the wirehouses, you’re known as your team name or something of that sort, I didn’t want to be known as that, I wanted to be known as Emerald Advisors not the Smith Group because, all of a sudden, you have a single point of failure. So, brand identity, it’s not so unique inside the wirehouse because it’s a team name versus Merrill or Morgan Stanley or something like that. Jason Diamond: It’s a good segue because I’ll tell you where my mind goes when you bring that up. My mind goes is you’re smart in a way that you might not even realize or maybe you do realize which is that, if and when it ever comes time to sell this business, it is probably more valuable without your name attached to it or maybe not. But in some way, shape or form, as an RIA, you have an obligation to be thinking about that or it’s probably on your radar, maybe not an obligation. Have you given an ounce of thought to M&A either acquiring businesses, growing in that way or, ultimately, when you succeed out of this business and what the RIA space enables you to do? Michael Smith: To answer that question, yes. Everyone’s thinking about merger and acquisition, I think about succession planning from day one. I actually thought about I’m a big team person, I come from the submarine force where everyone is a key player on a submarine, every single person has a job and responsibility on a nuclear submarine. So, inside the financial services industry, I know Merrill Lynch was very big on teaming, I understand Morgan Stanley is as well because teaming gives them a breadth of responsibility where the responsibilities are shared. So, mergers and acquisitions or selling my business, I think, if you’re not thinking about that … And I’m not thinking about selling my business because that’s a distraction to me. If I needed the money, then I would’ve went to a wirehouse and that’s okay, you monetize your life’s work. Today, I’m all about what’s right for the client, what’s right for my team and what’s right for where I want to be in the next 10 to 20 years. So, I am growing, I do want to grow, I’m looking at opening offices in probably three locations in the next 24 months or so. Jason Diamond: Well, that’s what I was going to say, plenty of advisors I think would say the same, I have a lot of runway. But what about the other side of this equation which is you’ve had tremendous organic growth, you’ve tripled your client base, you’ve more than tripled the asset base, have you thought about acquisition as a mean to jet fuel the inorganic growth side of things? Michael Smith: I have but not in the typical sense that you’re looking at as buying a book of business. I want to partner with like-minded advisors that share that common thread of taking care of clients where you can serve as their trusted counsel and sit in the meetings with their attorneys and sit in the meetings with the accountants and give them sage counsel that you can only do because you’ve been with the family for 20 years. You know this family and that, not always, but I think that’s missed a lot in other firms. Jason Diamond: Yeah, I think that’s fair. I just thought of something else that you brought up. You brought Dynasty so I’m going to ask … I’m going to pull on this thread. That implies to me that you’re at least loosely aware of the supportive independence models that are out there yet you chose a very independent, autonomous path, why? Michael Smith: Because I didn’t know what I was doing. Jason Diamond: Fair. Michael Smith: Let’s be honest, I like Dynasty, I talked with Dynasty when I left. I talked to them all, I talked to Rockefeller, I talked to Morgan, I talked to Dynasty and then, when push came to shove, I wanted to be Mike Smith and launch my own firm and learn. And I will tell you, you learn drinking through a fire hose and we did that, we learned, I know the mistakes. What I didn’t want to do is just go to someplace where this is the stuff you’re going to have to use. So, I think Dynasty is a great launching platform, I think there’s other ones out there that are similar to Dynasty or the Rockefellers or the Morgans, it’s truly what you’re trying to achieve in life. What do you want for you and your clients and I always put my clients before me because I’ve always had this lifelong thing of, you do the right thing, you’re going to get taken care of. Jason Diamond: Yeah. And that’s a very common analysis, by the way, and it’s very common too for big advisors like yourself to say I did my homework across all of those different categories. I looked at the traditional wirehouses and regional firms and boutique firms, I looked at the independent broker dealers, I looked at the support platforms and the aggregators and the roll-ups and here’s ultimately what I landed on and why. Did you always know that though or was that something that it took you a diligence process to figure out? There was plenty of advisors, by the way, who come to us and they’re like, “I knew for the last five years that I was sitting there I was launching an RIA someday.” Michael Smith: Yeah. I did not know that and, to be honest with you, hindsight, I think one of those partners probably could have made me a little bit better at first because then I could have focused on clients versus focusing on, hey, how to open a business, who’s your technology … We talked about custodians and some other things but we didn’t talk about technology, how do you go find that technology. Where’s your email address come from? Who’s your chief compliance officer? When it resides on you, you got to look in the mirror. So, I think those parties out there that provide that for brand-new advisors launching could be very beneficial. I had in my mind what I needed to do and I knew I’m very frugal so mine boiled down to how much money I wanted to spend, to be honest with you. Jason Diamond: I think it is a cost benefit analysis, it is. It’s absolutely … Because if you list the functions of a support platform on paper and you showed it to somebody who didn’t know the industry, they would say, “Why on earth wouldn’t you do this? They’re taking off your plate compliance and tech and custody and the like,” and the answer is because there’s a cost associated with it and plenty of advisors decide what you decide, I wanted … Or I just wanted a greater degree of autonomy and freedom, to your point, the name on the door piece, I wanted this to be mine. Michael Smith: And, Jason, I think it also goes to the uncertainty. I had never done anything since Navy, financial advising and then launching. So, for me, I was launching with four employees I had to take care of and here I was going to hire a third party that I was going to have to spend X amount on and I didn’t even know what my income was going to be. That’s different if you’re a multi-billion dollar FA coming out of a wirehouse, the monetary dynamics are different. Jason Diamond: Agreed. Okay, here’s a good one for you. We get this concept from advisors, from firms, from private equity that a billion dollars in assets is like this magic number in our industry. Do you feel like anything’s changed now that you’re at a billion and what’s the next chapter for Emerald Advisors? Is it just continuing on this steady trajectory and serving clients and trust that everything else comes with that? Michael Smith: I go back and forth on a billion, everyone thinks that’s the right number, the biggest number that you need but I think it’s just an arbitrary numbers because it didn’t define who I was. And a lot of people define success at a billion, they define success that you’re a successful firm at a billion. I think I was a successful firm at 300 million, I was a successful financial advisor with 20 clients in 2005. I would say a billion is a multiplier, what I would tell new advisors out there today is gather assets. The more assets you have, the more revenue you generate. The more revenue you generate, the more money you can put in your pocket which means the longer you can stay in the industry. The problem with the industry is an attrition problem, not anything else. So, assets just give us the ability to have revenue which gives us the ability to grow. Jason Diamond: And is that the plan? Keep adding assets, keep growing one client at a time with the focus though, obviously, on what makes you which is a very client-centric service model. Michael Smith: Correct. There’s a lot of things I want to do in the next couple of years and expanding our footprint is our biggest one with the right partners and then just keep adding. I have a business development officer that I’m probably offer a job to here pretty soon and things are going well. Jason Diamond: Yeah, that’s great. You mentioned the tech stack and the other components of the business and I hear you on the frugal cost-benefit analysis. But who did you turn to for some of those early decisions, was it Schwab primarily who helped hold your hand through that? Michael Smith: Schwab was very good at helping me identify the tech stack at first and the tech stack is actually the one consistent, there’s a lot of things I’ve been consistent on but tech is one that I’ve stayed with them. I launched with RightSize, now they’re Advisory, they’re very good, they do the right job for us and I’m big on cybersecurity. So, tech was helpful from Schwab, Schwab helped us with that. Jason Diamond: So, we spoke a little bit about your naval experience but, I’m curious, can you tell us how has your naval experience shaped your perception or your experience in wealth management? Michael Smith: My Navy path was a lot different than many officers. I served 12 years as an enlisted person before I got my direct commission as a Mustang officer, typically called limited duty officers or loud, dumb and obnoxious as I like to say. But that experience gave me a unique perspective because I was able to be the enlisted side and officer which are the workers and then the management side so I had both experiences which was unique. When I was commissioned, Admiral Jerry Ellis, a submarine admiral that commissioned me, heard this lesson to the podium, he was just talking about me in this point but he said, “There are three kinds of people in every organization. You have rowboat people who need to be pushed, you have sailboat people who move whenever the conditions are favorable and then there’s steamboat people, they move continuously through calm or storm.” And he said, “This is Ensign Michael Smith,” he said, “Make your course.” And that’s always stood with me because you do have those three types of people in life. You got people that are just … They’re robo people, they go until they get tired. You got sailboat people that go wherever the wind blows them and then you got steamboat people that chart their own course. I would say for advisors out there make your course or just be happy with what you’re doing. But for some of us hard chargers, I think that analogy has stayed with me my entire career. Jason Diamond: It’s fantastic. I love the analogy, great naval tie in also. Thanks for sharing that. We got time for one more question. You have a fascinating background, a fascinating path to the industry, obviously, an incredibly disciplined approach around client service, any parting thoughts, words of wisdom especially as it relates to growth? That’s what strikes me most about your story is the growth that your move unlocked and that’s what every advisor who listens to our show is looking for. Michael Smith: I’m going to give another plug to Schwab on this. We actually were fortunate and I got their consulting group to come in right afterwards and I’m a big believer in having offsite. So, I’ve had an offsite, two offsites a year for my team and it’s the entire team unlike the wirehouses where you don’t take your admins and stuff like that. I take my entire team to an offsite and we group up on what we’re trying to achieve and have goals and objectives for the year. Schwab allowed us to use their consultants and we came up with our ideal client persona. Teams or firms that have this model become high performing. When you become high performing, growth becomes the outcome. I couldn’t do anything but grow. Jason, I couldn’t not grow because I had this ideal client persona, I knew how I was going to do it, it was measurable. So, growth becomes the outcome and, if you hold people responsible, then we’re all going to grow together and it’s a fun outcome. Jason Diamond: Fantastic, it’s a great place to end. Thank you so much for sharing your expertise with us, I can’t wait to see what the next chapter holds for Emerald, this has been a lot of fun. Michael Smith: Jason, thank you so much. I appreciate everything you do for the industry as well. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty and credibility. You are successful because you take your professional responsibility seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story A conversation with Jason Diamond and Michael Smith, Managing Partner and Founder of Emerald Advisors.      Jason Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is From “Overservicing” Clients to Building a $1B RIA: A Merrill Breakaway Story. It’s a conversation with Michael Smith, managing partner and founder of Emerald Advisors. I’m Jason Diamond and this is the Diamond Podcast for financial advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive whether that’s at a wirehouse, boutique or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned and, each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual advisor transition report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Jason Diamond: Growth is often viewed as the result of better marketing, stronger referrals, a larger team and even acquisition and that’s all true yet growth can be the byproduct of something else entirely. For example, Michael Smith built a successful practice at Merrill then, one day, he was told he was spending too much time with his clients, or his management put it over-servicing clients. For Michael, that wasn’t a warning sign about his approach, it was a signal that he might have outgrown the firm and the model. Today, Michael is the founder and managing partner of Emerald Advisors, the independent RIA he launched in late 2019 with roughly 385 million in assets and 85 client relationships. Less than seven years later, the firm has grown to more than a billion in assets while remaining deeply focused on a highly-specialized client base and an unusually hands-on service model. What makes this story particularly interesting isn’t just the growth, it’s the thinking behind it. Michael’s perspective was shaped long before he entered wealth management. After serving more than two decades in the Navy, he brought a leadership philosophy centered on accountability, discipline and what he calls steamboat people, those who keep moving forward regardless of conditions, that mindset continues to influence how he builds his team, serves clients and evaluates opportunities. In this episode, we discuss the decision to leave Merrill, the realities of launching a fully independent RIA, why specialization can accelerate growth, the evolving role of custodians and technology and why he believes exceptional client service remains one of the industry’s most durable competitive advantages. Because Michael’s experience suggests that growth isn’t always the result of finding more opportunities, sometimes it’s the result of creating the freedom to execute the vision you already had so let’s jump in. Michael, thank you so much for joining us today. For starters, can you walk us through your background and what brought you to the world of wealth management? Michael Smith: Jason, thank you so much for the opportunity to be here today, I do listen to the podcast a lot especially before I left Mother Merrill. But my background and how I got into financial services is really distinct because I was on the board of JDRF back in the day and the national sponsor for JDRF was UBS PaineWebber and they’re like, “Mike, why don’t you be a financial advisor?” And my master’s degree was actually a finance and accounting in portfolio management because I’ve managed my own portfolio for years and years and so, when I couldn’t get a job, I just fell into it because I couldn’t get a job and I needed a job. That was 21 years ago, Memorial Day so that’s how I got into this industry. Jason Diamond: It’s a unique background, it’s super interesting and I want to talk more about it. You mentioned Mother Merrill, we’ll certainly get there. Before we do, give us a little bit of context on the current business you operate, Emerald Advisors, any context you can share on size, number of staff, types of clients you serve would be great. Michael Smith: Sure. So, we launched Emerald in 2019, November 2019 with about 85 clients and you always talk about this on the podcast how scared it is to launch and go independent. And I would say we took over about 95% of our clients that we wanted to bring over and today we’re at about 230 clients, I think we have some onboarding right now, we have just over a billion of assets. So, we launched with the 85 clients and around 350, 385 million, now we’re over a billion. Jason Diamond: Good for you. Michael Smith: Thank you. And I launched with four employees and we’re now at 11. And I would give a shout-out to one of my key employees because, when I launched, I actually hired somebody that had no experience with us and that was really a good thing because that allowed that person to really focus on operations and back office stuff while my business partner Emily and I were able to focus on bringing on the clients and alleviating any issues that they may have or thought. Jason Diamond: So, meaning you hired somebody basically immediately upon launch to help you with the transition and with this next chapter? Michael Smith: Correct. I hired them before but they started the day we launched. Jason Diamond: Brilliant, I love it. Oh, let’s definitely talk more about that because I think that’s a great strategy for … You’re right, you said it in a joking manner now because you’re seven years past but it’s a very real fear that advisors have and I think it’s worth talking more about. I want to mention too you have, obviously, built this business and grown this business dramatically. I don’t want to make this episode about the pandemic but you moved the business at a, certainly, a unique time. Did it impact your growth at all? Did you feel like you hit a brick wall? Just curious about your thoughts. Michael Smith: No, Jason, that’s a great observation. I would venture to say that the pandemic was actually a good thing for us. Jason Diamond: Interesting. Michael Smith: And I say that because, all of a sudden, you could hit pause because everyone was relearning how to do business, how do we do client reviews, how do we communicate with clients in a environment. So, I think the pandemic allowed us to just really reset our expectations visiting with clients because I used to fly a lot because I have clients in 38 different states so this has actually been, not just good for me, but good for the industry because I think it’s reset our expectations that we don’t have to be every day with a client facing. Jason Diamond: I agree with that largely and it’s true of our business too, by the way, it’s certainly reshaped the way people expect to be communicated with. I think Zoom has become much more mainstream, phone calls and we’ve heard from many other advisors who say something similar. I was just curious because you moved so close to or if there was an impact but I get, honestly, I think you’re right, it allowed you to have this nice natural inflection point and almost like flipping a switch of a clean slate. Michael Smith: It allowed us to learn the processes too. So, we launched in November 1st, by March we were in lockdown and so it gave us the opportunity to take several months of just learning the processes of how to be an RIA, it was pretty good. Jason Diamond: Absolutely. So, one of the things you mentioned in that was the way in which you serve clients and I’d read something funny and I think it was around the time of your move. You were talking about that, Merrill, you had a manager who spoke about that you would overserve your clients, you serve clients too much, tell me about that. Michael Smith: That was such an interesting topic because I got called down to the ops officer’s office and they’re like, “Ugh, Mike.” And it brought my admin down with me and they’re like, “Mike, these reports that you’re taking care of your clients too much,” and I’m like, “What do you mean?” “Well, you’re overservicing them.” Jason, I literally had to go back and Google the word overservicing because I was like, “How do you overservice the client? I’m not making their bed.” It was just so funny to me that I got counsel for overservicing clients when we’re in a client-facing job and I think that was part of the catalyst. Jason Diamond: Tell me more about what they meant, you think. Michael Smith: Hindsight, I think they … I like to take care of people which means I’m very intuitive towards taxes, I understand how the tax code works, I understand how everything impacts their bottom line. So, when we’re doing deferred comp enrollments or 401(k) enrollments or I’m a big believer in Roth 401(k)s and backdoor Roths and I’ve been doing them for years, I think what Mother Merrill wanted at that time was us not to do that. And, again, nothing against Merrill, I get it but this is how they wanted us to act and I wasn’t in that mold, I was taking care of clients to a much deeper depth is how I would say it. Jason Diamond: And I think that speaks to you outgrew the model not necessarily the firm. I think Merrill does a lot of things really well, you would agree with that, I think given that you built 85 clients and 350 million in assets is nothing to sneeze at. But the model that it seems like you value client service and an integrated client service experience of that and the wirehouse model oftentimes doesn’t put a premium on that. Tell me about your ethos or your thoughts around client service today and what being independent enables you to do. Michael Smith: So, that’s an interesting observation because one of my clients actually just mentioned to me that the reason we’re growing so much is because of our service model and the fact that we deliver a tremendous amount of value over just portfolio management. I said my managers is in portfolio management, I don’t do that any longer, I have a staff that handles that for me but it’s really the servicing of the clients because they don’t know what we know and I think servicing the client is the most important thing that we can do today. Jason Diamond: Give me some examples of what you mean by servicing the client in a more holistic way. I agree with you, by the way, portfolio management, table stakes, financial planning, table stakes, tell me more about what you mean. Michael Smith: By that I mean we do a quarterly review on tax. So, a lot of people don’t understand how taxes work and how estimated taxes work. So, estimated taxes are January 1st to March 31st, January 1st to May 31st, January 1st to August 31st, that’s how you do your estimated tax payments, you figure out what that is. And for compensated employees where they have RSUs that come in at different times of the year or different grants or exercise their options at a different time, that can affect their estimated tax liability and I’m not big on giving Uncle Sam any more money than they have to have until they need it. And then everyone doesn’t understand how the penalties and interest works on the IRS. And I’m big on the tax payments because that’s where we can add a lot of value for not a lot of time and we integrate it with our portfolio so we know what we’re doing with our gains. And I happen to reside in Washington State which has a long-term capital gains tax rate once you surpass about 270,000 of long-term capital gains. So, it’s super important for us to be aware of this and that’s how we service them. We also help them with their rebalancing of their 401(k)s, things that wirehouses cannot supposed to do, we are not supposed to be helping them with some of their aspects of life. Jason Diamond: Yup. That’s what I was alluding to earlier, it’s limitations on the model, not because they’re bad models, it’s just a different way, a different ethos around client service. You mentioned RSUs and corporate employees, I know that’s a niche you have is around concentrated stock positions and equity comp plans. I guess let me ask you two different questions around this. First of all, why that niche? Interested. And then, second of all, do you think

Episode 25 of DC Dynamics examines the Trump administration's tax deregulatory agenda, focusing on how Treasury and the IRS are using regulatory authority to simplify or roll back complex tax rules rather than pursuing new legislation. Host Ray Beeman, managing partner at Washington Council EY, and Colleen O'Neill, EY US National Tax Department Leader, discuss how this effort builds on the first Trump administration's review of "burdensome" tax regulations and is guided by principles such as avoiding overly complex rules, favoring safe harbors, allowing reasonable compliance methods, and respecting statutory limits after the Loper Bright Supreme Court decision.

We opened a can of worms this week discussing the exploding microphone theory which led us to another can of worms by asking who mic'ed Charlie... Also, we have more conflicting narratives coming from TPUSA affiliates. 00:00 - Start. 01:18 - Thoughts on Charlie's necklace. 05:26 - Reasons the microphone theory could work. 09:47 - Who mic'd Charlie. 21:30 - The trafficking and Romanian theme surrounding TPUSA. 27:00 - Unanswered questions from 9/10. 38:47 - Conflicting narratives on CPR from Brian Harpole & Frank Turek. 44:40 - X user makes a funny observation over Erika's signature. 49:05 - Comments. PreBorn!​ ​ To donate, dial #250 and say they keyword “BABY" or by visiting https://preborn.com/candace Nimi Skincare​ Save 10% on your order with promo code CANDACE10 at http://www.NimiSkincare.com Tax Network USA​ ​ Do not wait for another IRS letter or a frozen bank account. Call 866-686-1651 or visit http://tnusa.com/candace  Field of Greens​ Visit http://fieldofgreens.com and use my code CANDACE for 20% off your order! American Financing​​​​​​​​​​​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. Average savings based on borrowers who save over $199.99. Candace Clips Channel: https://www.youtube.com/@ClipsCandaceOwens Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

The FBI Rapid Response X account crashes out, we examine why the microphone theory holds more weight than Tyler Robinson in Charlie's assassination, and we have some more shifting narratives in the Turning Point circles. 00:00 - Start. 02:14 - The microphone theory. 45:45 - FBI crashes out over our FOIA. 53:50 - Health update on our veteran friend in Russia. 1:03:00 - Comments. Battalion Metals​ ​ Explore their collection of fair-priced gold and silver! Make sure to enter code CANDACE at checkout to let them know I sent you! https://BattalionMetals.com/candace Balance of Nature​ ​​​ Go to http://BalanceofNature.com today and get 10% OFF the Whole Health System™ supplements when you use promo Code: CANDACE. Paleovalley​ ​ Get 20% off your order with promo code CANDACE at http://www.paleovalley.com Tax Network USA​ ​​​​​​​​​​ Do not wait for another IRS letter or a frozen bank account. Call 866-686-1651 or visit http://tnusa.com/candace  American Financing​​​​​​​​​​ NMLS 182334, http://www.nmlsconsumeraccess.org. APR for rates in the 5s start at 6.327% for well qualified borrowers. Call 800-795-1210 for details about credit costs and terms. Visit http://www.AmericanFinancing.net/Owens. Average savings based on borrowers who save over $199.99. Candace Clips Channel: https://www.youtube.com/@ClipsCandaceOwens Candace Official Website: https://candaceowens.com Candace Merch: https://shop.candaceowens.com Candace on Apple Podcasts: https://t.co/Pp5VZiLXbq Candace on Spotify: https://t.co/16pMuADXuT Candace on Rumble: https://rumble.com/c/RealCandaceO Candace en Español: https://www.youtube.com/@CandaceOwensEnEspanol Candace Owens em Português: https://www.youtube.com/@CandaceOwensemPortugues Candace Owens en Français: https://www.youtube.com/@CandaceOwensEnFrançais Learn more about your ad choices. Visit megaphone.fm/adchoices

Tait Duryea is the founder of Turbine Capital, a private equity firm specializing in commercial real estate and oil and gas investments, and a commercial airline captain with over 15,000 flight hours on the Airbus A321.    In this second episode of a two-part series, Tait breaks down why oil and gas has become a powerful portfolio complement to real estate, especially for high-income W-2 earners looking for active tax write-offs.From the mechanics of horizontal drilling and 98–99% commercial success rates, to writing off 80–90% of your investment against W-2 income in year one, this episode is a masterclass in smart portfolio diversification for accredited investors ready to look beyond traditional real estate.    If you're a surgeon, business owner, or high-income professional sitting on passive losses you can't use, this episode was made for you.   5 Key Takeaways   Oil and Gas Isn't What It Used to Be — Horizontal drilling technology has pushed commercial success rates to 98–99%, but the tax incentives created during the risky era of vertical drilling have never gone away. That gap is the opportunity. The W-2 Deduction No One Talks About — Unlike passive real estate losses, non-operating working interest in oil and gas wells is treated as active income under IRS code 263 Alpha. High-income earners can write off 80–90% of their investment against W-2 income in year one. Diversify Through a Fund, Not a Single Well — Buying into one or two wells exposes you to catastrophic concentration risk. Turbine Capital's Waypoint Energy fund offers exposure to 40–60 wells alongside major operators like ExxonMobil and Devon — a very different proposition. Front-Loaded Cash Flow Is a Feature, Not a Bug — Oil and gas wells produce the bulk of their returns in the first 24 months. Paired with the year-one tax refund, this creates rapid capital velocity — funds that can then be redeployed into longer-duration real estate deals. Know Where You Are in the Real Estate Cycle — With cap rates expanding into the 6s and values still suppressed, Tait sees this as a prime entry point for commercial real estate. Senior housing and small-bay industrial are his two highest-conviction plays for the next cycle.   Key Talking Points of the Episode 00:00 Introduction 00:22 Meet Tait Duryea: Airline pilot turned Private Equity founder of Turbine Capital 01:50 The 3-Paydays Book 02:13 Why high-income investors are adding oil and gas to their portfolios 04:05 Mineral rights vs. new drilling opportunities 05:45 The oil and gas tax advantage that's been in the tax code since the 1950's 07:54 How to invest in oil & gas: Fund minimums, structure, and entry points 10:48 Understanding the returns from oil & gas investments 12:13 The 3-Paydays System 14:42 How to balance oil & gas and real estate for faster portfolio growth 15:32 Get connected with Tait Duryea and the Turbine Capital Investor Relations team 16:04 Is now a good time to buy commercial real estate? 17:44 Why Tait is bullish on senior housing and small-bay industrial real estate 20:53 The opportunities in self-storage and manufactured housing 22:35 Final thoughts and how to connect with Turbine Capital 23:35 How Propsperity.io helps real estate investors manage and scale their portfolio   Links   Turbine Capital https://www.turbinecap.com/   Turbine Capital Investor Email investors@turbinecap.com   Tait Duryea tait@turbinecap.com   Oil and Gas Fund Through Turbine Capital https://www.waypoint-energy.com/   3 Paydays® Live https://3paydayslive.com/podcast   Free Discovery Call https://smartrealestatecoachpodcast.com/discovery   3 Paydays® System Mastery Course - Use coupon code for 50% off https://smartrealestatecoach.com/qls Coupon code: pod   Apprentice Program 3PaydaysApprentice.com/Podcast    Masterclass https://smartrealestatecoach.com/masterspodcast   3 Paydays Books https://3paydaysbooks.com/podcast   Partners https://smartrealestatecoach.com/podcastresources

Most business owners think tax strategy ends in April. It doesn't. It's just getting started! In this episode, we walk through the 5 most important 64 tax planning moves to make before September, including how to run a mid-year projection, the family payroll strategy that works best in summer, the Augusta Rule timing window, equipment purchase planning under Section 179 and Bonus Depreciation, and the August Reset framework used by high-earning entrepreneurs. Next Steps:

"Where do we find great staff leaders? We need them, and we need them now." If your only approach to finding staff leaders is to hire fully formed, fully capable leaders from the outside whenever you need them, you will always be reactive. So far in this series, we've talked about the importance of developing your volunteers and volunteer leaders. But all of that volunteer development work, as important as it is, only pays off long-term if you know how to develop your staff leaders well, too.  In this episode, Sean and Jonathan talk about developing and equipping your staff leaders to do the work God has called them to do. Identifying the leadership capacity of every person on your team Intentional development toward the highest level they're wired for Building a staff culture where leadership development isn't just a one-time event   This Episode is Sponsored by The Church Lawyers Every church needs trusted legal counsel, but finding attorneys who truly understand ministry can be challenging.  The Church Lawyers specialize in church and nonprofit law, serving thousands of organizations nationwide. From by-laws and governance, to IRS compliance and employment matters, The Church Lawyers provide the expertise you need with sound legal advice giving you peace of mind. Discover practical free resources and affordable membership options at TheChurchLawyers.com.   Join the Conversation on Social Media We use hashtag #unstuckchurch on X and on Instagram. 

The AI-Driven Threat Matrix: Architectural Cybersecurity and Compliance for Small Firms with Michele NovackIn a recent episode of The Thoughtful Entrepreneur Podcast, host Josh Elledge sat down with Michele Novack, the host and founder of Cardinalsbyte, to break down the rapidly evolving cyber vulnerabilities that threaten the financial solvency of small businesses. As a veteran risk strategist specializing in the financial services sector, Michele highlights how CPAs, accountants, and tax professionals have become prime targets for sophisticated, automated digital attacks. This conversation delivers an intentional operational roadmap for mid-market founders and executive teams looking to navigate tightening federal mandates, identify hidden security gaps within their existing infrastructure, and defend their enterprise value against highly advanced, AI-powered corporate fraud.The Anatomy of Digital Defense: Mitigating Algorithmic Vulnerabilities through Zero-Trust ProtocolsThe rapid proliferation of consumer-facing artificial intelligence has weaponized the digital threat landscape, enabling bad actors to execute automated, hyper-personalized social engineering campaigns at an unprecedented scale. Michele Novack cautions that small businesses can no longer rely on traditional, passive firewall defenses as cybercriminals increasingly deploy sophisticated voice cloning, automated phishing sequences, and deepfake video streams to bypass conventional security guardrails. A single compromised corporate email account can result in catastrophic financial loss, as demonstrated by emerging corporate wire fraud schemes where payroll managers are manipulated by synthetic, AI-generated replicas of their CEO during live video conferences. To counter this automated disruption, executive leadership must enforce rigid, non-negotiable zero-trust verification protocols—requiring multi-channel, manual confirmation for all financial movements and high-stakes data extractions completely independent of digital messaging networks.Insulating a firm against regulatory penalties and liability requires a disciplined commitment to formalizing internal data compliance programs rather than treating security as an ad-hoc IT checklist. Tightening federal mandates, such as the revised FTC Safeguards Rule and IRS security guidelines, now legally obligate financial services providers to maintain comprehensive, written documentation detailing their operational defenses. Many business owners operate under the dangerous assumption that their external Managed Service Provider (MSP) inherently handles regulatory compliance, leaving the enterprise exposed to massive liability gaps due to a complete lack of formal Written Information Security Programs (WISPs) and documented Incident Response Plans (IRPs). True enterprise resilience is achieved when leadership takes proactive ownership of corporate compliance, closing security gaps by performing routine endpoint audits, implementing geographical IP blocking, and maximizing the advanced, built-in security features native to enterprise cloud suites like Microsoft 365 or Google Workspace.Transforming an organization's digital posture ultimately relies on establishing a transparent, security-first corporate culture that bridges the gap between complex technical tools and human operational habits. Because human manipulation remains the primary vector for enterprise data breaches, continuous, jargon-free employee training is a vital piece of operational infrastructure. Rather than deploying clinical, one-and-done IT lectures that fail to change day-to-day employee behavior, founders must implement continuous, interactive education loops and safe phishing simulations that sharpen frontline skepticism. When clear behavioral habits, automated endpoint monitoring, and verified compliance documentation are synthesized under a unified governance architecture, a business successfully limits its operational risk. This proactive stance converts cybersecurity from a costly technical burden into a powerful, high-valuation corporate asset that fiercely protects the organization's market authority.About Michele NovackMichele Novack is the host, founder, and chief risk strategist of Cardinalsbyte, and a premier authority on small business data security and financial compliance management. Drawing from decades of specialized experience within the financial services and accounting sectors, Michele focuses on demystifying complex technical architecture to make regulatory frameworks accessible for corporate executives. She is a dedicated educator and advisor who specializes in constructing high-accountability cyber defense models designed to protect small-to-mid-sized enterprises from advanced electronic corporate theft.About CardinalsbyteCardinalsbyte is an elite risk management and cybersecurity compliance consultancy that provides custom data-protection solutions, vulnerability assessments, and regulatory mapping for professional services firms. The company specializes in translating complex federal guidelines, such as NIST frameworks and IRS mandates, into actionable corporate playbooks including Written Information Security Programs (WISPs). Through proactive technical testing, executive risk summaries, and white-glove incident response coordination, Cardinalsbyte enables mid-market organizations to eliminate administrative security debt and shield their bottom lines from systemic digital threats.Links Mentioned in This EpisodeCardinalsbyte Compliance Partner Page: cardinalsbytes.com/compliance-partnerMichele Novack on LinkedIn: linkedin.com/in/cardinalsbyte-mnovackKey Episode HighlightsThe AI Weaponization Trap: Analyzing how deepfakes, automated voice cloning, and synthetic media bypass traditional corporate communication filters to enable catastrophic wire fraud.The MSP Compliance Gap: Understanding why standard IT vendors fail to provide mandatory regulatory documentation, and how to self-correct using structured WISPs.Maximizing Built-In Cloud Security: Leveraging and configuring the advanced, pre-existing anti-phishing dashboards embedded within Microsoft 365 and Google Workspace.The Multi-Channel Verification Mandate: Implementing mandatory human-in-the-loop protocols that require dual physical authorization for high-volume financial movements.Building a Skeptical Corporate Culture: Shifting internal security training from a static annual checklist into continuous, interactive education that reduces human error on the frontline.ConclusionThe conversation with Michele Novack underscores that true cybersecurity resilience is an ongoing exercise in structural governance and human vigilance rather than an expensive software purchase. By standardizing internal corporate compliance, executing rigorous endpoint audits, and building an inclusive culture of behavioral accountability, business leaders can transform a vulnerable digital setup into a highly secure, enterprise-grade corporate asset.More from The Thoughtful Entrepreneur

Ana Bozovic is the founder of Analytics Miami and one of the most data-driven voices in South Florida real estate. In this episode, she explains why the wealth migration away from high-tax states is a structural shiftnot just a passing trendand why most people still underestimate the scale of what's happening in Miami.We cover:The IRS data revealing where millionaires are movingWhy active listings under $500K are down 85% since pre-COVIDWhy Miami's highest-end transactions are now overwhelmingly all-cashAna's take on quantum computing and its impact on BitcoinAmerica's deepening political polarizationWhy the loneliness epidemic could become the most overlooked challenge—and opportunityof the next decade◾️ Timestamp00:00 Is Miami still underestimated? 02:47 The great wealth migration what the IRS data actually shows 04:53 Why high-tax states keep doubling down 06:20 The affordable housing crisis and the Live Local Act 07:39 Are condos overbuilt in Miami-Dade? 09:22 What happens to New York and California in 10 years12:06 Wellness real estate the next big trend 13:28 All-cash buyers and what they reveal about the market15:56 Miami in 10 years where the tri-county region is going 17:57 Quantum computing and the threat to Bitcoin 18:47 AI, polarization, and where America is headed 22:29 There's no going back why the migration forces keep building 24:47 New York was the capital of the 20th century. What's next? 28:23 Solving for loneliness Moshe's fractional wellness project 29:49 Jiu jitsu, community, and the human need for real connection

Dave Rubin of "The Rubin Report" talks to Adam Carolla and Jillian Michaels about their political journeys away from the left; COVID lockdowns, media bias, California's decline under Gavin Newsom and Karen Bass, and why many lifelong Democrats refuse to change their views despite mounting evidence; the influence of Joe Rogan, Larry Elder, Dennis Prager, and alternative media in challenging mainstream narratives; MAHA, RFK Jr., public health, and government policy; raising children in a polarized culture, the future of Los Angeles and California politics, and concerns about the next generation; the dangers of doomscrolling, social media algorithms, finding purpose through hobbies, and maintaining optimism in a divided America, and much more.  Check out the NEW RUBIN REPORT MERCH here: https://daverubin.store/ ----------  Today's Sponsors: Balance of Nature - Make sure you are getting all the positive effects from a wide variety of fruits and vegetables. Get 10% OFF the Whole Health System™ supplements when you use Discount Code: RUBIN. Go to https://BalanceofNature.com Tax Network USA - If you owe back taxes or have unfiled returns, don't let the government take advantage of you. Do not wait for another IRS letter or a frozen bank account. Call 1(866) 685-6604  for a private, free consultation or Go to: https://tnusa.com/dave

Crypto scams and how to protect yourself with Chainalysis' Eric Jardine. Eric Jardine, Head of Research at Chainalysis, joins Gen C to break down their latest crypto crime report and the staggering numbers of nearly $17 billion stolen in scams in 2025 alone. Eric explains how AI has changed the scam equation by allowing bad actors to hit massive scale without sacrificing quality, why the people executing scams in Southeast Asian compounds are often trafficking victims themselves, and why crypto's measurability is actually an argument in its favor and not against it. Links mentioned from the podcast: Chainalysis Website: https://www.chainalysis.com/ Crypto Crime Report: https://www.chainalysis.com/reports/crypto-crime-2026/ Timecodes: 0:00 Intro 0:40 Sam's intro: crypto crime by the numbers 1:44 Welcome Eric Jardine, Chainalysis 2:34 $17B+ stolen in crypto scams (2025) 2:55 Why are scams growing? Bull markets & victim pools 4:19 Impersonation scams up 1400% YoY 5:10 How impersonation scams work (IRS, Coinbase, deepfakes) 6:53 E-ZPass smishing — crypto settlement demands 8:24 Scam-as-a-service: $500 spoofed government websites 10:24 AI as a productivity boost for criminals 11:58 DPRK (Lazarus Group) vs. Southeast Asia scam compounds 13:57 Human trafficking & forced labor in scam operations 17:37 How to protect yourself 20:09 Jurisdictional challenges & enforcement gaps 21:45 Silk Road anniversary & crypto's illicit narrative 23:04 Is crypto actually worse than cash for crime? 25:13 Enforcement wins: 61K BTC recovered, $15B forfeiture 26:13 Closing Remarks - "Gen C" features host Sam Ewen. Executive produced by Uyen Truong.

Dave Rubin of "The Rubin Report" talks to Batya Ungar-Sargon about her new book The Jews and the Left; why American Jews historically aligned with the Democratic Party through labor activism, the New Deal, and the civil rights movement; the rise of anti-Zionism as a litmus test on the modern left and its impact on Jewish voters; Zionism, antisemitism, Israel, and the growing divide between progressive activists and mainstream Americans; Tucker Carlson, Thomas Massie, and the debate over anti-Israel sentiment on both the left and right; America's unique relationship with Jewish history; populism, Trump, working-class politics, and why she remains optimistic about America's future, and much more. Today's Sponsors: Chef iQ - Take the stress out of not knowing if your meat will come out good! CHEF iQ Sense continuously monitors and predicts precisely when your food will be done. Get 40% off sitewide with code RUBIN! Go to: http://chefiq.com Tax Network USA - If you owe back taxes or have unfiled returns, don't let the government take advantage of you. Do not wait for another IRS letter or a frozen bank account. Call 1(866) 685-6604 for a private, free consultation or Go to: https://tnusa.com/dave

The Exorcist Files has dealt with Ouija boards in several cases, but perhaps none as wild and chilling as "Spiritual Roulette", where a group of friends open a portal to a demonic entity known as Stevie. They tried to quit playing the game, but Stevie was far from game over.Thank you to our sponsorsLive Better Longer with BUBS Naturals. For A limited time get 20% Off your entire order with code EXFILES20 at Bubsnaturals.comGo to Babbel.com/exfiles for up to 60% off. Start speaking!Get the greens your body needs. Fogchicks.com promo code EXFILESCheck out Runewoodrosary.com and use our promo code for a 15% off. Want to support the show and Father Martins ministry? Subscribe to the Vault at Exorcistfiles.supercast.comCheck out The Born Again Identity with Father Gregory and Ryan Bethea at EWTN plus. CHAPTERS01:00:04 | The Board That Came Back | Cold open: thrown away, back on the table01:01:09 | The IRS or Old Scratch? | "Both are ancient enemies. Depends on who you owe."01:02:01 | Season 3 Preview | New cases with "details far more interesting" than seasons 1 and 201:02:34 | The Obsession Episode | Two real cases behind the box office moment01:04:22 | Obsession, Defined | Partial possession: the last step before the real thing01:05:59 | The Case File | Faceless man, cockroaches, a flying planchette01:09:13 | Meet Stevie | Why a demon introduces itself as a dead child01:12:35 | Gowan vs. Stevie | How the room's one skeptic became the target01:16:30 | "Kill Him" | The demon shows its cards and the game ends01:23:43 | Child's Play | Teleportation vs. healing a broken board01:26:13 | The Permission Framework | Job, Peter, and the limits on demonic power01:33:34 | The Prioress's Protocol | Confession, conversion, burn the board01:40:29 | The Faceless Man | A truck, a cornfield, and "you die"01:43:21 | The Ouija Renaissance | A warning about sleepovers and store shelves01:44:37 | Three Johns and a Book | The quiz, the summer reading rec, the sign-offSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

250 Year Competition:Vote for which of Trump's insiders you think the Founding Fathers would send back to EnglandCLICK HERE TO VOTEJames and Al analyze Tuesday's primaries, focusing on the enduring support for Graham Platner in Maine and the surprisingly weak showing for perennial incumbent Lindsey Graham in South Carolina. Then, they welcome Judge Luttig to give his verdict on Trump in a discussion of his settlement with the IRS, the pushback from judges around the country, his weaponization of the DOJ, Todd Blanche's lack of fitness for AG, and the partisanship of the COTUS.  Afterward, they are joined by NC-11 congressional candidate Jamie Ager to discuss winning over rural voters as a Democrat in a Red state, the need to personally connect with your constituents, and how government can work for the people.Email your questions to James and Al at politicswarroom@gmail.com or tweet them to @politicon.  Make sure to include your city– we love to hear where you're from! More from James and Al:Get text updates from Politics War Room and Politicon.Watch Politics War Room & James Carville Explains on YouTube.James Carville & Al Hunt have launched the Politics War Room SubstackGet updates and some great behind-the-scenes content from the documentary CARVILLE: WINNING IS EVERYTHING, STUPID by following James on X @jamescarville and his new TikTok @realjamescarvilleGet More From This Week's Guest: Nick Mueller: The National WWII Museum | LSU PressMax Boot: Twitter | Threads | Website | WaPo | CFR | Author Please Support Our Sponsors:Smalls:Get 60% off your first order, plus free shipping and free treats for life, when you head to Smalls.com/WARROOMAqua Tru:Go to AquaTru.com now for 20% off your purifier using promo code: LONGSHORTMiracle Made:Upgrade your sleep with Miracle Made! Go to TryMiracle.com/warroom and use the code WARROOM to claim your FREE 3-PIECE TOWEL SET and SAVE over 40% OFF.Hers WL:Ready to reach your weight loss goals? Visit forhers.com/warroom to get personalized, affordable care that gets you.