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Dave Rubin of "The Rubin Report" talks to Arthur Brooks about dopamine-driven phone addiction and why technology prevents people from disconnecting; why boredom and time away from social media are essential for creativity, happiness, and meaning; why smartphones and AI should be tools instead of substitutes for human connection; ways to break smartphone addiction;how shared experiences strengthen relationships; his surprising take on looksmaxxing and why excessive male vanity can be unattractive; why confidence, character, and purpose matter more than perfect looks; and much more. Today's Sponsors: Kalshi - Download the Kalshi app and use code RUBINREPORT to get up to $500 in bonus credits when you trade $25 or go to https://kalshi.com/r/RUBINREPORT. DISCLAIMER: 18+ only. Restrictions and eligibility requirements apply. Event contract trading involves risk and may not be suitable for all investors. Prices, values, and available markets may differ from those mentioned. For more information see kalshi.com/regulatory Chapter - Optimize the one piece of your health most people never audit: the Medicare coverage that pays for all of it. For free and unbiased Medicare help: Dial (332) 867-0207 or Go to: https://askchapter.org/rubin Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Shopify - Turn your big business idea into money with Shopify on your side. Go to Shopify and sign up for your one-dollar-per-month trial and start selling today at Go to: http://shopify.com/rubin

Matt Modi is joined by Andrew Erickson and Scott Bogman to break down their favorite fantasy football WR targets across every stage of your draft. From early-round stars like Zay Flowers and Jaylen Waddle to mid-round breakout candidates including Parker Washington and Marvin Harrison Jr., plus late-round sleepers like Trey Harris, Jayden Higgins and Antonio Williams, the crew identifies the receivers who could dramatically outperform their ADP this season. Whether you're searching for WR1 upside, undervalued draft values or deep sleepers that can win your fantasy league, this episode has you covered. Timestamps: (May be off due to ads) Intro - 0:00:00 Zay Flowers - 0:02:03 Mike Evans - 0:05:33 Jaylen Waddle - 0:08:14 Carnell Tate - 0:12:42 FantasyPros Premium Giveaways - 0:14:23 Marvin Harrison Jr. - 0:15:15 Parker Washington - 0:22:08 Chris Godwin - 0:27:41 Jordan Tyson - 0:31:30 FantasyPros Draft Wizard - 0:34:15 Wan’Dale Robinson - 0:35:05 Jayden Higgins - 0:40:03 Tre Harris - 0:44:32 Antonio Williams - 0:53:08 Hard Rock Bet - 0:58:25 Outro - 1:00:25 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Send us Fan MailIn this episode, I walk founders through a key difference in perspective that founders and employees have, a difference that never, ever goes away. It does not doom any high-growth business, but you need to accept it to succeed as a leader.Your Host: Dr. James F. Richardson of Premium Growth Solutions, LLC www.premiumgrowthsolutions.comPlease send feedback on this or other episodes to: admin@premiumgrowthsolutions.com

Fantasy football season is officially heating up, and Seth Woolcock and Scott Bogman are here with a loaded FantasyPros Q&A covering the latest NFL training camp news, fantasy football rankings, draft strategy, league winners, and your biggest draft questions. The guys break down the latest Ricky Pearsall injury concerns with the 49ers, Malik Nabers' encouraging training camp progress, and why Justin Jefferson remains a top fantasy option despite the Vikings' quarterback situation. Then it's time for draft strategy. Seth and Bogman reveal their favorite league-winning picks, discuss whether going RB-RB at the 1.02 turn is a mistake, explain when to prioritize elite tight ends, and break down how to approach 10-team, 12-team, PPR, half-PPR, superflex, and tight end premium formats. They also debate Kenneth Walker's fantasy value with the Chiefs, Marvin Harrison Jr.'s draft range, George Pickens vs. Chris Olave vs. DeVonta Smith, potential bounce-back candidates, and plenty more from the live FantasyPros community Q&A Timestamps: (May be off due to ads) Intro - 0:00:00 Ricky Pearsall - 0:02:15 Malik Nabers - 0:04:45 Justin Jefferson - 0:07:00 Twitch Channel - 0:09:48 Favorite League-Winners - 0:10:51 Barkley & James Cook in Round 1 and 2? - 0:14:00 FantasyPros Draft Intel - 0:17:52 Best Draft Strategy - 0:18:50 Bijan, London & McBride, How'd I Do? - 0:22:17 Keeper Dilemmas - 0:24:50 Which Two RBs are best? - 0:25:54 Tee Higgins or Emeka Egbuka? - 0:27:05 RB-RB to Start? - 0:28:44 First Year Player Advice - 0:32:21 FantasyPros Discord - 0:33:05 1.07, What Strategy Do I Use? - 0:36:33 Best TE Premium Targets? - 0:39:32 Kenneth Walker, Temperature Check - 0:41:25 Better to have a WR or RB in the flex? - 0:44:49 What Round Should Marvin Harrison Go? - 0:49:18 Which WR is Best At ADP? - 0:54:56 Draft Stribling with Pearsall Down? - 0:56:45 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

How should you approach a 2026 fantasy football Superflex league? The Fantasy Pros crew puts that question to the test with a full redraft Superflex PPR mock draft featuring Ryan Wormeli, Scott Bogman, Pat Fitzmaurice, and Andrew Erickson. The mock features three starting wide receivers, seven bench spots, no kickers or defenses, and a Superflex lineup, creating a fascinating battle between early quarterback strategy, zero RB builds, elite tight ends, and waiting on positional value. One of the biggest storylines is the quarterback rush: eight QBs go in the first round, forcing the analysts to adapt on the fly and raising a major 2026 fantasy football question: should you aggressively draft quarterbacks in Superflex, or let your league mates chase the position while you scoop up elite skill-position talent? Timestamps: (May be off due to ads) Intro - 0:00:00 FantasyPros Draft Wizard - 0:02:30 Josh Allen vs Drake Maye - 0:03:00 Bijan Robinson & Ja'Marr Chase - 0:05:15 Christian McCaffrey & Justin Herbert - 0:07:12 Brock Purdy & Jaxson Dart - 0:08:32 Trey McBride & Zay Flowers - 0:12:24 Kyler Murray 0:14:30 FantasyPros Giveaways - 0:15:14 Malik Nabers & Jared Goff - 0:18:12 Malik Willis & Rome Odunze - 0:20:16 Mike Evans & Jameson Williams - 0:22:13 Tyler Warren & Treveyon Henderson - 0:23:45 Carnell Tate - 0:25:23 Tucker Kraft & Harold Fannin - 0:27:05 CJ Stroud - 0:28:31 Makai Lemon - 0:29:08 Rico Dowdle & Aaron Jones - 0:30:31 BettingPros College YouTube Channel - 0:32:29 Chris Rodriguez - 0:33:29 Sam Darnold - 0:34:20 RJ Harvey - 0:34:56 Jakobi Meyers - 0:38:11 Mark Andrews - 0:38:51 Hard Rock Bet - 0:39:35 Zach Charbonnet - 0:41:20 Geno Smith - 0:42:09 Isaiah Pacheco - 0:42:59 AD Mitchell - 0:45:40 Carson Beck - 0:47:30 Nic Singleton - 0:48:26 Draft Recap & Analysis - 0:49:42 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Comedian Peyton Ruddy & UFC legend Matt Serra join Big Jay Oakerson, Luis J. Gomez, and Steve Rannazzisi to review the first Skankfest Golden Ticket Contest submission! Plus, the guys use street fight videos to test Matt's fight prediction ability! All This and More, ONLY on The Most Offensive Podcast on Earth, The LEGION OF SKANKS!!!Original Air Date: 07/28/26Support our sponsors!Visit BodyBrainCoffee.com and use code LOS20 for a limited time to get 20% off your order! #BodyBrainPodNew customers get 40% off with code SKANKS at http://GLD.com #GLDpodIf you're 21 or older, get 30% OFF your first order @ IndaCloud with code SKANKS at https://inda.shop/SKANKS #indacloudpodGet 10% Off your entire order & take advantage of Ridge's Annual Sweepstakes by going to https://www.Ridge.com/LOS10 #Ridgepod #sponsored (NO PURCH. NEC. Open to legal residents of 50 US/DC, Canada & the UK, age maj.+. Void where prohibited. Begins 7/24/26 and ends 9/8/26. 2 winners selected. Max Prizes total ARV: $380,000 USD / approximately $516,000 CAD / £306,800. Canadian skill-testing question required. Subject to Rules, including free entry method & odds: ridge.com/rules. Sponsor: The Ridge Wallet, LLC.)Sheath. The underwear of legends. Go to https://www.sheath.com/LOS and use code LOS for 20% off. #SheathPod---------------Skankfest X New Orleans badges available at www.skankfest.com!---------------

Protect your family with life insurance through Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/talkin. Application times may vary. Rates may vary Whether you're just wanting to test an idea out, or you're getting serious about launching your own brand, it's never been easier to get started on https://shopify.com/talkin Check out our new MLB glitch collection here! https://shop.jomboymedia.com/discount/TBGLITCH73110OFF?redirect=/collections/mlb-glitch&utm_source=youtube&utm_m https://fanaticsmarkets.onelink.me/3MFw?pid=jomboy&af_dp=fanmarkets%3A%2F%2Fhomepage&af_channel=partnerships&c=jomboy_fmx&af_ad=youtube&af_web_dp=https%3A%2F%2Ffanaticsmarkets.com%2F%3Fpid%3Djomboy%26c%3Djomboy_fmx%26af_ad%3Dyoutube%26utm_source%3Djomboy%26utm_medium%3Dreferral%26utm_campaign%3Djomboy_fmx%26utm_content%3Dyoutube     Coach Trev and Talkin Jake discuss what the Dodgers are going to do at the deadline if Ohtani is out for extended time, what's going to happen with Tarik Skubal, the Red Sox inner turmoil that is helping them win, Kody Clemens putting the team on his back and more!   Event contracts carry risk of total loss and changing prices. Not good  for all investors. Not available in all states. Must be 21+. See Important Disclosures in Fanatics Markets app. Customers are introduced to Crypto.com by Paragon Global Markets, LLC, d/b/a Fanatics Markets IB, an Introducing Broker registered with the CFTC and a Member of the NFA.   Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Certainty in dating is a fantasy. There is no milestone, not exclusivity, not "I love you," not moving in, not marriage, that finally makes relationship anxiety go away. In this episode Sabrina breaks down why your brain would rather have a bad answer than no answer, how anxious attachment turns an unanswered text into a story about rejection, and why chasing, overthinking, testing, people pleasing, and checking your phone every five seconds are ways of managing anxiety rather than dating strategies. She also separates the two kinds of discomfort: walking on eggshells, accepting breadcrumbs, and tolerating mixed signals and inconsistency, versus asking for what you need, setting boundaries, saying no, and letting someone leave. Plus the tool of the week, evidence versus story, a simple practice for catching the narrative your brain invents when you do not have all the information. Secure people are not secure because they have certainty, they have capacity. Pre-order Sabrina's book coming out October 2026,⁠ "Why Am I Like This?"⁠ Get your free workbook and access to the companion course after pre-ordering 'Why Am I Like This?' by filling out the form at the bottom of the page at http://sabrinazohar.com/book Take the new and improved dating quiz! sabrinazohar.com/quiz If you're ready to slow down, trust your instincts, and break your old dating patterns, the Healthy Relationship Foundations Course walks you through it step-by-step  ⁠HERE!⁠ If you're serious about changing your dating patterns instead of repeating them, the Art of Going Slow course helps you unlearn urgency, regulate your nervous system, and build real connection without rushing, chasing, or abandoning yourself ⁠HERE!⁠ Get Ad free ⁠HERE!⁠  Watch on Spotify. Spotify subscribers get fewer ads on my video. Want to work with Sabrina? ⁠HERE!⁠  Get merch for The Sabrina Zohar Show ⁠HERE!⁠  Don't forget to follow ⁠Sabrina⁠ and ⁠The Sabrina Zohar Show⁠ on Instagram and ⁠Sabrina ⁠on TikTok! Video now available on ⁠YOUTUBE!⁠ Chapters: 00:00 Why certainty in dating is a fantasy 02:58 Why your brain needs an answer now 05:39 Overthinking texts and short replies 08:01 Why not knowing feels so stressful 10:24 Wrong discomfort vs right discomfort 13:12 Do they come back after a break? 15:54 Why control does not make you safer 18:38 Why you attract the same people 21:53 Tool: evidence vs the story 23:48 Why secure people have more capacity Disclaimer: The Sabrina Zohar Show, formerly known as Do The Work, is not affiliated with A.Z & associates LLC in any capacity. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Ryan Wormeli and Derek Brown as they highlight and break down four must-draft rookies who are going to help you win your fantasy football leagues in 2026! Timestamps: (May be off due to ads) Intro - 0:00:00 Jadarian Price - 0:00:28 Carnell Tate - 0:06:17 FantasyPros Premium Giveaway - 0:12:30 Jordyn Tyson - 0:12:54 Denzel Boston - 0:17:48 Outro - 0:24:19 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

You might think the win on a GLP-1 like Ozempic or Mounjaro is the number dropping on your scale, but I need you to ask a better question, not how much you're losing, but what kind. In some studies, 40 to 60% of the weight people lost on these drugs came from lean muscle, not fat, and that's a metabolic loss that costs you your strength and your ability to keep the weight off. These are the most powerful fat-loss tools we've ever had, but a tool without a protocol is just potential. Hit your protein and lift, or you're trading muscle for a number you'll spend years trying to earn back. CLICK HERE TO BECOME GARYS VIP!: https://bit.ly/4ai0Xwg Thank you to our partners A-GAME: “ULTIMATE15” FOR 15% OFF: http://bit.ly/4kek1ij AION: “ULTIMATE10” FOR 10% OFF: https://bit.ly/4h6KHAD AIRES: "ULTIMATE20 " FOR 20% OFF: https://bit.ly/4a3Duze BAJA GOLD: "ULTIMATE10" FOR 10% OFF: https://bit.ly/3WSBqUa BODYHEALTH: “ULTIMATE20” FOR 20% OFF: http://bit.ly/4e5IjsV COLD LIFE: THE ULTIMATE HUMAN PLUNGE: https://bit.ly/4eULUKpCYMBIOTIKA: "BRECKACYM30" FOR 30% OFF: https://bit.ly/4tjyluP GENETIC METHYLATION TEST (UK ONLY): https://bit.ly/48QJJrk GENETIC TEST (USA ONLY): ⁠https://bit.ly/3Yg1Uk9 GOPUFF: GET YOUR FAVORITE SNACK!: https://bit.ly/4obIFDC H2TABS: “ULTIMATE10” FOR 10% OFF: https://bit.ly/4hMNdgg HEALF: 10% OFF YOUR ORDER: https://bit.ly/41HJg6S PEPTUAL: “TUH10” FOR 10% OFF: https://bit.ly/4mKxgcn SNOOZE: LET'S GET TO SLEEP!: https://bit.ly/4pt1T6V WHOOP: JOIN & GET 1 FREE MONTH!: https://bit.ly/3VQ0nzW Watch  the “Ultimate Human Podcast” every Tuesday & Thursday at 9AM EST: YouTube: https://bit.ly/3RPQYX8 Podcasts: https://bit.ly/3RQftU0 Connect with Gary Brecka Instagram: https://bit.ly/3RPpnFs TikTok: https://bit.ly/4coJ8fo X: https://bit.ly/3Opc8tf Facebook: https://bit.ly/464VA1H LinkedIn: https://bit.ly/4hH7Ri2 Website: https://bit.ly/4eLDbdU Merch: https://bit.ly/4aBpOM1 Newsletter: https://bit.ly/47ejrws Ask Gary: https://bit.ly/3PEAJuG Timestamps 00:00 - Intro of Show 00:22 - Weight loss vs fat loss 00:38 - What GLP-1 does in the body 01:02 - Semaglutide: the first generation 01:28 - Tirzepatide and the dual agonist 01:45 - Retatrutide and 24.2% body weight loss 02:20 - Why each added receptor works 02:38 - The hidden cost: protecting lean muscle 03:05 - 60% of weight loss from muscle 03:35 - The two-part fix: protein and training 04:05 - Protein targets and leucine-rich sources 04:30 - Resistance training and compound lifts 05:00 - Use the medication, do the work Disclaimer: This podcast is for informational purposes only and does not provide medical advice. It is not intended for diagnosing or treating any health condition. Always consult a licensed healthcare professional before making health or wellness decisions.  Gary Brecka is the owner of Ultimate Human, LLC which operates The Ultimate Human podcast and promotes certain third-party products used by Gary Brecka in his personal health and wellness protocols and daily life and for which Ultimate Human LLC and / or Gary Brecka directly or indirectly holds an economic interest or receives compensation.  Accordingly, statements made by Gary Brecka and others (including on The Ultimate Human podcast) may be considered promotional in nature. Learn more about your ad choices. Visit megaphone.fm/adchoices

With Josh Tomolak, Vice President of Independent Advisor Services, Diamond Consultants Louis Diamond and Josh Tomolak unpack today's IBD vs. RIA landscape, explaining what has changed, where each model excels, and how to determine which path best supports the business you want to build. In Summary The independent wealth management landscape has changed dramatically, making the decision between an independent broker dealer (IBD) and an RIA more nuanced than ever before. Louis Diamond welcomes Diamond Consultants' Vice President of Independent Advisor Services, Josh Tomolak, for a practical discussion of how the independent space has evolved, what truly differentiates the IBD and RIA models today, and how advisors can evaluate which path best aligns with the business they want to build. The Storyline Not long ago, the decision to become independent was relatively straightforward. Advisors either remained with a traditional firm or pursued independence through one of a limited number of models. Today, the conversation is far more complex. Independent broker dealers have significantly expanded their capabilities, offering stronger technology, larger transition packages, greater flexibility, and even pathways to RIA ownership. At the same time, the RIA ecosystem has matured into a sophisticated marketplace supported by multiple custodians, outsourced service providers, institutional capital, and enterprise platforms that rival many of the industry's largest firms. As these developments have unfolded, the traditional distinctions between an IBD and an RIA have become less obvious. Advisors evaluating their options are no longer simply asking whether they should become independent—they're asking which model best supports the clients they serve, the business they envision, and the lifestyle they want to create. In this Industry Update, Louis and Josh unpack the realities behind the IBD vs. RIA decision. They discuss where the two models overlap, where meaningful differences still exist, and why factors like service, technology, economics, operational responsibility, enterprise value, and long-term optionality often matter more than labels alone. Whether you're considering changing independent firms, launching your own RIA, or simply want a better understanding of how the independent landscape has evolved, this conversation provides an objective framework for evaluating today's choices—and preparing for tomorrow's opportunities. Topics Covered Independent Broker Dealer (IBD) vs. RIA models The evolution of supportive independence Technology investments across the independent space Transition support and advisor mobility Capital solutions and recruiting economics Business formation and enterprise value Launching an independent RIA Multi-custodial platforms and open architecture Minority investments and succession planning Future trends shaping advisor independence > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why are already-independent advisors reconsidering their current model? (5:27) Josh explains why service, technology, economics, and growing optionality are causing advisors to reevaluate their existing affiliations. How have independent broker dealers and RIAs become more alike? (19:28) Louis and Josh discuss the growing convergence between the two models and why the distinction is becoming less obvious than many advisors assume. What really separates an IBD from an RIA? (25:04) A practical discussion of autonomy, compliance, flexibility, custody, economics, and advisor experience. What misconceptions keep advisors from launching an RIA? (36:29) Josh outlines the “Four Pillars” of launching an RIA and explains where advisors tend to either overestimate or underestimate the operational realities. Which advisors thrive most in each model? (33:12) The conversation explores why there isn't a universally “better” model—only one that's better aligned with an advisor's goals. What trends are quietly reshaping independence? (42:13) Minority investments, enterprise value, business formation, and changing revenue models may have an even greater impact than advisors realize today. Key Takeaways Independence has evolved from a destination into an ongoing strategic decision. Independent broker dealers have significantly improved technology, transition support, economics, and flexibility. The RIA ecosystem has matured into a highly sophisticated marketplace with broad outsourcing and support options. Choosing between an IBD and an RIA should begin with long-term business objectives—not industry perceptions. Building a valuable business depends more on business structure and scalability than simply growing assets. Advisors considering independence should evaluate models with an open mind rather than relying on outdated assumptions. The next decade will likely bring continued convergence between independent business models. https://youtu.be/jHDVso2TsmQ Quotable Moments “The question is no longer, ‘Do I want to go independent?' The question is, ‘What kind of independence makes the most sense for my clients, business, and goals?'” “Business formation is far more important than assets under management.” “The way you build your business will ultimately determine how valuable that business becomes.” “Everything in an RIA is going to cost you either your time or your money.” FAQs Is there still a meaningful difference between an IBD and an RIA? Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Why are more independent advisors changing firms today? Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Is launching an RIA easier than it used to be? Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. Does every entrepreneurial advisor belong in the RIA model? No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. What matters more: assets under management or how the business is built? Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. What's the biggest mistake advisors make when evaluating independence? Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Yes. While the two models increasingly overlap, they differ in areas such as flexibility, compliance structure, operational responsibility, economics, and control. Improved technology, stronger transition support, evolving economics, and better service models are prompting many advisors to reassess whether their current platform still fits their business. Yes. Supportive independence, outsourced service providers, and improved custodial resources have significantly reduced many of the historical barriers. No. The best fit depends on an advisor's appetite for ownership, customization, operational responsibility, and long-term vision. Josh argues that scalable business formation often has a greater impact on enterprise value than AUM alone. Starting with assumptions instead of objectives. The most effective due diligence begins by defining the business you're trying to build, then identifying the model best suited to support it. Related Resources IBD vs. RIA Comparison Guide IBD vs. RIA Revisited: Two Independent Pathways for Advisors to Consider 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… IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis 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. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and goals?” Josh shares what he’s seeing across the landscape, the misconceptions that continue to shape advisor thinking and the factors that matter most when evaluating the next chapter of an independent business. There’s a lot to discuss, so let’s get to it. Josh, thanks for joining me today. Joshua Tomolak: Thanks for having me, Louis. It’s a real privilege to have come. This is a full circle moment for me going from being a student of your podcast, to working alongside you, to being a guest. So I appreciate you having me. Louis Diamond: Amazing. I’m excited for this one too, because you have a fresh and in the weeds perspective that a lot of our guests simply don’t have. So why don’t you start off, you spend your time helping advisors evaluate independence every day. So working with advisors who are already independent, for the most part. And to me, it feels like the independent space has really evolved dramatically over the last decade. I mean, this podcast is really the epicenter of that to prove that out, but give us a little background on your past roles in the space and then we can get into what you’re seeing right now. Joshua Tomolak: Yeah, I’d be happy to. So I took a very non-traditional path into wealth management. I spent a decade as a deep sea Navy diver, and upon completing my service there, I ended up working for TD Ameritrade. And in my role there, I spent about six years doing nothing but helping financial advisors explore the RIA space, whether that was to join or partner with an RIA, sell to an RIA, or in most cases, launch their own RIA. And one of the things that I ultimately came to terms with is it’s just not the right model for everybody. While I’m a huge advocate for it, we would often lose business to the major broker-dealers of the world. And at the time, I really didn’t understand why. In the last six years at Diamond Consultants has been a very interesting purview into what a lot of the broker-dealers have done and are doing to make themselves more RIA-ish and be very compelling to the right advisor. Louis Diamond: Perfect framing. Your background is incredibly germane to the folks you work with. So let’s start off with the softball here. What are you seeing right now? Joshua Tomolak: It’s not so different than the rest of the industry, the wirehouses, the regional firms, things of that nature, that if you took 10 firms, they’re all likely to go different directions, even if they were identical practices. That could be… A third would go from an independent broker-dealer to another independent broker-dealer. Certainly the supported RIA space is growing every day and has created a lot of very fun and unique solutions for advisors, very customized and curated. And then I think there’s still a lot of really great sophisticated teams and individual contributors that are making the decision to go hyper entrepreneurial and launch their own individual RIA. So the movement’s really all over the board from my perspective. Louis Diamond: It does feel like it’s no longer independence is an alternative option or it’s on the fringes. It’s very front and center whether for breakaways, which is a big topic on our podcast, but in general, the infrastructure has become much, much more sophisticated today than ever before. Advisors have way more tools in their toolbox to serve clients, whether in the private markets or through technology. And it’s no longer that if an advisor’s independent, they’re in the minor leagues where they don’t have the same ability to serve clients like they did if they’re at a big bank or a private bank or a wirehouse. Do you agree? Joshua Tomolak: I absolutely agree. And I’m reminded of a question I got one time from a great team that I worked with in New York. They asked me, “Are there really more options than ever before? Because all we see is one firm selling to another.” And I think that’s a really great point. There’s far less broker dealers on the street than there were even five years ago. But for every Commonwealth, for example, that sells to an LPL, up pops three or four really cool private equity-backed, sophisticated RIA platform firms that are built to service their own unique advisor base. Louis Diamond: I think that’s right. Sitting on the sidelines, sitting on top of everything going on in the industry, I feel like capital is always an interesting topic forever. If an advisor wanted to move within the independent world or break away from a big firm to go independent, the only way to get capital was to go to an independent broker dealer. So we still see that, but I feel like today between all these minority acquisition opportunities, we’re seeing firms acquire practices at time of transition, which is somewhat new. There’s debt solutions, recruiting deals are way up for firms that are paying forgivable loans. RIAs now would, in some cases, will pay a forgivable note. What are you seeing there as far as the availability of capital and just deals in general? Joshua Tomolak: It’s a great question and I didn’t want to take the low-hanging fruit, but capital’s been a huge innovation, I guess, in the last five years I’d say. Just to give you rough quotes, please don’t hold me to it, but traditional transition broker-dealer deals were five years ago, 40 to 60% of Trailing Twelve revenue today are somewhere between 90 and 120%, sometimes north of that for the right team. That’s really meaningful money for the team that is thinking about foregoing a wirehouse deal, for example. I’d also say a lot of these firms are getting hyper-creative in how they solve for capital. The minority investment piece that you mentioned is very interesting. We’re seeing a lot of privatized forgivable notes in the RIA space where third-party or private lenders are basically lending the money and the RIA is making the payments on that forgivable note as long as the advisor is affiliated with them. So there’s been a recognition among the RIA space to get away from the, “Oh, they just took a check” type of mantra, and to say, “Look, I understand there are capital needs. These people are taking a risk. We need to solve for that.” So we’ve seen a lot of that in the marketplace. Louis Diamond: Very interesting. I think another thing financially, and then we’ll keep the train moving, that I know I’ve seen, and maybe you can weigh in if you’ve seen the same, is the cost to an advisor or a business owner to join an independent BD or to join an RIA has come way down, probably in part because of Schwab going to zero on trading. That’s been a catalyst. But it feels like we used to say independent BDs were expensive relative to the RIA world. And in some cases, they certainly could be. And if you’re at scale, maybe you can pick up a point or two being in the RIA world versus a BD. But when you have some of these BDs that have a basis point admin fee or no admin fee at a certain size and the payouts I feel like are similar, maybe have gone up a little bit, but it’s more so like the administrator fees, the platform fees, the program fees. Anyone who’s not in that world, it’s like, “What are you talking about?” But basically the way that these broker-dealers make money, it seems like there’s been a pretty big differential in the exchange of value where advisors now get more services, better technology, get more money to join them and get it at a lower cost. Do you agree? Joshua Tomolak: I absolutely agree. I think that maybe that’s one of the larger changes that we’ve seen, and it’s probably one of the benefits from a lot of the industry consolidation on that independent broker-dealer side. The economies of scale of these folks have allowed them to increase their tech spend, increase their service capacities all while offering it to the advisors at a cheaper price. And when I was at TD Ameritrade, one of the biggest pitches was the idea of a 100% payout and you control the fixed expenses, your technology compliance, et cetera. But what’s changed is that broker-dealers are pretty darn comparable on the expenses. All of those admin fees and things you mentioned will still exist, but they’re on a much smaller scale. And I think the question a lot of advisors are asking is, “Am I getting congruent value from my broker-dealer for what I pay for?” And while that answer might’ve been no a couple years ago, today the answer is more often yes. Louis Diamond: Yeah, I would agree. A lot of times we work with advisors who are starting an RIA or affiliating with an RIA or going to a BD and they see how big the deals are in the independent BD world and the payouts are really high and the fees are relatively low. And honestly, it is a hard decision or calculus to make, like, “How does it make sense for me to turn down this extremely lucrative deal when my ongoing economics are going to be somewhat similar in the BD world versus in the RIA space?” I think it’s just an interesting dynamic and we’ll get more into that distinction. One of the stars of the show right here is we’ve seen a ton of advisor movement across the industry. Our annual advisor transition report said that in 2025, over 11,000 experienced advisors changed firms, which is a large number. A lot of those numbers are within the independent world. So advisors who are 1099 through a BD or through an RIA transitioning to another platform or organization or starting an RIA. So why do you think we’re seeing so many advisors reconsider their current firm or their platform or their broker-dealer today than in years past? Joshua Tomolak: It’s a jarring number. 11,000 is definitely a significant amount of advisor movements. To me, it comes down to a few things, but I will say that it’s almost always a conglomeration of pushes and pulls. Pushes being inherent frustrations with your status quo, pulls being the new sexy, shiny things that you see in the marketplace that could be really impactful for your business. To me, it typically comes down to one of three things, at least on the push front, that drives advisors to movement. Service being number one, technology being number two, and economics being number three. And if we were just going to unpack those, I think service being, “Can you call somebody that knows your business, that knows your name? Are you getting the correct answers? Are you being pushed through a phone tree? And even if you’re not doing it, is it taking up a meaningful amount of time of your staff’s free time?” On the technology front, there’s very significant tech spends happening in the industry right now. I think Raymond James and LPL reported, for example, they spent 500 million in 2025 on a tech spend. So advisors are going to the places that are making their life easier. People are looking for a mechanism to really scale their business without having to add staff and a lot of expenses to the bottom line. And technology is just the fastest, most efficient way to do that most times. And then economics, certainly a lot of advisors and teams have built phenomenal businesses and they’ve made a great living without really stressing out about the economics. And they eventually get to a point in their business where what they were giving up as a million dollar producer is far different than what they’re giving up as a $4 million producer. And back to the congruent value, it perhaps stops to make as much sense. Louis Diamond: Well said. I always say when the cost-to-value ratio is out of whack, that’s when advisors sit up and take notice. And not to name names of firms, but there definitely are firms that are more expensive. And even if you look at how much a wirehouse or a Ed Jones advisor paid their firm, it’s like, “What got me here is not necessarily what’s going to get me there.” And while the name on the business card, the resources were incredibly impactful, and I’m so grateful for what my firm, my broker-dealer did for me when I was just starting or when I was smaller. Now the business is bigger, I rely upon different resources or I don’t need the firm as much. So I’d rather plow the cost savings either into income for myself or invest it in areas that are most germane to my business. And it’s usually when that kind of light bulb moment goes off, that’s one of the major pushes that cause advisors to evaluate other options. So I agree with you, those are the major push factors, but then what are the pull factors? What are the major advancements or changes across the independent space that’s causing advisors to say, “Hey, okay, I might have some frustrations, but at the same time, I also need to find something that’s more than marginally better than the firm I’m at. Otherwise, why am I going to go through the hassle, take the risk, et cetera? So what are some of the pull factors that advisors are latching onto today? Joshua Tomolak: Sure. And I might say with one final push factor, there’s a straw that breaks the proverbial camel’s back when you’ve been told for however many years that this change or that change is coming down the pipeline and it never happens. And it translates well into the pull factors is do they do what they say they’re going to do? The talking points really for the pull factors are exactly the same. So the counterpoint to service is perhaps having a direct relationship with the chief compliance officer at a firm or having a dedicated service representative that knows their stuff inside and out and can get you the answer even if they don’t know it off the top of their head. Having the technology to rebalance a household in two clicks instead of two hours. In economics, I think it’s really a transparency of economics. We’ve both worked with some really significant firms that have looked at their P&Ls and said, “where the heck is the money going?” And we’ve looked at the same P&Ls and said, “I have no idea,” because it’s so convoluted. People are happy to pay for good service, good technology, good products, but they just want to know where the money’s coming from. So I think it’s a yin and yang. The same things that they’re the push are often the pull. Louis Diamond: Definitely. I’ll give you a couple other from my perspective. I’ll say first specific to the independent BD world, and then we’ll dive into the RIA, I think it’s a little bit different. But I think some other will say innovations or changes that are causing advisors to really perk up and listen and really make the case to themselves that life will be better at this new organization than the status quo or staying put. We’ve seen major advancements in transition support, whether it’s being able to do a transition without a shred of paper, being able to… I mean, we’ve seen some independent advisors move their entire book within two weeks, which never would’ve happened before. So the firms that I’d say are playing offense, the larger firms that are winning, they have insane headcount around transitions and are always investing in technology, whether now on the AI front or in general. And we’ve seen transitions, they’re never easy. So that’s not a comment to say it’s easy, but a lot of the friction, a lot of the manual work has been taken away, which is massive. You definitely mentioned the significant technology spend. I mean, just the innovations going on across the industry. There’s definitely some firms that are laggards on technology and others that are light years ahead, whether because their tech is more integrated or they’ve built out their platform to be more, we’ll say modular, to plug in different third-party softwares where an advisor can really customize and create their own tech stack. I think there’s been some changes on compliance. It used to be if you’re at an independent BD, you had to be the OSJ by yourself or you had to roll up under an OSJ. But now most BDs offer home office supervision, so a big friction or pain point is taken away. And then I’ll give you a bridge to talk about what we’re seeing on the RIA side. But we’ve also seen, I would say, a real blurring of the lines between what you would traditionally think of as an independent broker dealer versus what was an RIA. So whether it’s an internal pathway where it’s like, “Start off on our independent BD platform, get the big deal, get the support, but then you can ditch that and just use this as a custodian or you can sell the business to us when you want to retire and convert to W2.” So in that vein, transitioning internally to an RIA, give me the same points like, “What are the major advancements or changes you’re seeing on the RIA side today?” Joshua Tomolak: I love that you said that because it’s been one of the most interesting changes to watch. Independent broker dealers becoming more like RIAs, and to your point, being more flexible, having more optionality, a more curated experience in some cases. And in many cases becoming closer to independent broker dealers with some of these massive shops that we’ve seen be created over the last five years that now have hundreds, if not thousands of advisors. To your question on the internal RIA slide as we sometimes call it, this really didn’t exist many places a few years ago. And I think it’s been created as both originally a retention tool in many places for the advisors that were with a major independent broker dealer and they ultimately wanted to have their own ADV and their own RIA. And the firm didn’t want to lose all the assets to an independent custodian so they gave them the green light to… And it’s ultimately became a sales tool in many cases. Just to use a couple of examples across the industry, I mean, Raymond James has Raymond James Custody Services, which has attracted a lot of really sophisticated teams. I know Wells Fargo Finance done something similar and even the counterparts over at Cetera and Osaic are trying to do the same thing. So it’s a recognition in my view that we want to keep the best talent possible. And if these folks are ultimately going to go RIA anyway, it’s less about the money and more about the flexibility and control that it offers them. So what can we do to keep those folks on board? And rightfully so, a lot of senior management of these firms have said, “Let’s not lose these teams. It’s going to be a lower margin business for us, but at the rate that they’re growing, it’s going to pay off in the long run.” Louis Diamond: Well said. RIAs are now more mainstream. And some of these RIAs, they’re either resembling independent BDs or I would even go so far to say the valuations that are even publicly available on some RIAs is definitely having people take notice. I mean, Cerity Partners recently raised capital at an over $8 billion reported valuation. Crescent was well over a billion. Firms like Mariner, Creative Planning, Mercer, Wealth Enhancement Group, and there’s many that I’m missing, are all worth a couple billion dollars or more and growing. Do you think that’s had an impact on the legitimacy or the staying power of the RIA model? Joshua Tomolak: Oh, absolutely. There’s no doubt about it. I mean, those groups that you mentioned and many more are winning some of the biggest teams on the street. I mean, if you pull up a run-of-the-mill advisor hub article, for example, you’ll see as many of those RIAs win significant businesses as you will their broker-dealer counterparts, partially in my opinion, due to the massive valuations these firms are fetching. And it’s much more of a partnership in the sense that joining a Crescent or a Wealth Enhancement Group, as you mentioned, you’re a part of a boutique group of maybe a couple of hundred very sophisticated high-producing advisors all playing under the same banner, all rowing in the same direction, and that creates substantial growth. Louis Diamond: Exactly right. I think two other things to me that’s driving the legitimacy or the growth of the RIA segment, there’s so many different outsourcing solutions that have popped up, whether it’s more of a… We’ll say a bundled or a package outsourcing solution through firms like Dynasty and Sanctuary. LPL has done a ton with having a shared services outsourcing model. So you have those. But you also have, I mean, probably 10 different firms I could think of that can be an outsourced chief compliance officer. You have tons of marketing agencies that specialize in helping RIAs. You have all these FinTechs popping up to support the RIA space. Really, it’s like anything and everything can be outsourced now. And even the big Wall Street banks like UBS, Merrill, et cetera, they’re attempting to sell and distribute product into the RIA space. Venture funds, private equity funds, anyone you talk to is trying to get a piece of the RIA space, which means there’s more product and platform availability than ever before. And I think it’s massive because one, it’s a catalyst for teams who say, “I love everything about the RIA world. I just don’t want to do it on my own,” or, “I don’t know where to start.” But also it means that they can look their clients in the eye and say, “Hey, not only do I have the same stuff that I had for you at XYZ firm, I can actually do more for you.” And even if you look at what the custodians are doing on the lending side now, Schwab owning a bank is massive and being able to facilitate mortgages, securities-backed loans, things that didn’t really exist in the past. I think it’s a very exciting time for advisors either that are independent or are considering the independent space because you have all these choices and it’s really like, “Choose your own adventure. Give me your top five things you want.” I’m sure it exists and we can find it and make it happen. And I don’t think we’d have the same confidence in that statement 5, 7, 10 years ago. Joshua Tomolak: I couldn’t agree more. That’s such a huge development is the marketplace of third party vendors in any kind of capitalism environment. There’s problems that people encounter and there’s really smart people that are trying to make a lot of money that go to market to solve them. And we’ve seen a ton of that over the last few years. Louis Diamond: Exactly right. Yeah, it’s like also… If an advisor looks around and says, “Hey, this is what I want,” and it doesn’t exist, oftentimes that’s a light bulb moment to be like, “Okay, I’ll go build it. I’ll do it on my own.” Whether it was Stewart Partners when they launched a number of years ago or Hightower, Dynasty, et cetera. They were all started by people that said, “Hey, I see a big gap in the ecosystem. Let’s create a business and raise capital to go solve it and then deliver this service to other like-minded advisors or business owners.” Honestly, it’s a treat to be able to watch all this happen in real time. We probably should have laid the groundwork with this next question, but I think it’s an important one. What’s the difference between a independent broker-dealer and an RIA? Really basic foundational. It sounds like the lines are blurred. There’s probably a lot of similarities. Advisors are successful in both. It’s not like one’s better than the other. How would you explain the differences, if a client of ours asked, “What’s the difference between an independent broker-dealer and IBD versus an RIA”? Joshua Tomolak: Get into the core of it. Again, the lines are blurred, and I’ll stay very high level on the strategic differences, but I like to use this example. I drive a Toyota Tundra. Really like the truck, gets me from A to B. Now, if I were getting to a point where I wanted a new vehicle, if I were to go get another Toyota Tundra because I really like a lot of aspects of it, but I want the one with the bigger screen and the bigger tires and the power seats, and I have rolled down windows because I have a fear of drowning. But if I want a lot of the bells and whistles, but I want to keep the foundation, that’s what I align to a independent broker-dealer to independent broker-dealer. You like the foundation of everything all under one roof. You like a lot of the resources, but you have some meaningful frustrations and you want to see if another provider in the market can solve for those or you can upgrade. If I instead, Louis, decided that I wanted a sports car or a Jeep Wrangler or something, I would be looking at a different category altogether. That’s how I articulate the platform space. They provide the same services and support in many cases that an independent broker-dealer does, think of marketing and a tech stack and regulatory oversight and a fellowship in a community, but they’re built on an RIA TC registered chassis. They’re typically far more customized so you can shop the street to get a lot more of the things that you like, though you are walking away from maybe some of the things that you’ve liked in the independent broker-dealer model. So I guess that’s the highest level I might explain it, just a little bit more minutia in any broker-dealer is going to be a FINRA registered, FINRA member broker-dealer. So they’re subject to the FINRA rules, which basically means it’s the compliance interpretation of those rules that they have to follow. So LPL’s rules may be slightly different than Cetera’s than Ameriprise’s because it’s based on their interpretations of the rules. In the RIA space, everybody really operates on the fiduciary standard. So it’s just a different lens that from a compliance standpoint, business is looked at. And a lot of people would make the argument that it’s just easier to get things done when you’re looking at something from that lens. I might’ve gone too compliance nerd on you there, but I’d be curious what you think some of the major differences are. Louis Diamond: Yeah, I think that’s right. I mean, it sounds like if you’re in the RIA world in some capacity that you as the advisor or business owner are going to have a little bit more control and autonomy and flexibility. One, do you think that’s true? And what are the reasons why that is? Is it platform? Is it strictly just compliance is easier? What are the different ways that an RIA would have more or less flexibility than someone who’s with an independent BD? Joshua Tomolak: Yeah, I think it’s overwhelmingly true, but it certainly depends on your business. Within most RIA platforms, you’re going to be one of a couple dozen, maybe a couple hundred, where you’re going to have people within that firm that really know your business. So the experience in getting things done is much less about, “Can I do this,” or, “Can I not do this?” And it’s, “Louis, I understand you asked for this. We’re going to run into these issues, but let’s figure out how to get to yes.” So it’s far more curated by people that are not operating on black and white rules and can actually figure out how to get to yes for your business. The other thing I would say is that most significant RIA platforms have multiple custodial options. So many times you’ll see as few as two or as many as five. So if an advisor or a team is trying to bring on a new piece of business or do something creative, that might be something they can use a different custodial relationship to accomplish. It might be something that Goldman Sachs does really well but is in its infancy at Fidelity, or it might be international business that’s approved on Pershing’s platform but not Schwab’s platform. So the RIA partner that you’re with can really look at those custodians agnostically and say, “What’s the best home for this business? What’s the best way to get this done for Louis?” There’s a couple examples of where I see the flexibility in practice. Louis Diamond: Yeah, I think one more too would be the concept of being able to shop the street. I’ve heard it described as becoming a buy-side advocate for your clients versus being a professional seller. So meaning, if I’m affiliated with an RIA or I’m operating my own RIA, there’s no selling away like there is at a wirehouse or at certain BDs. So if I have a client who’s trying to get a $10 million loan for a new building that they’re breaking ground on, if I’m at UBS, Merrill, Morgan Stanley, captive to a BD, I can go to my firm and say, “Hey, this $10 million loan, here it is. What are the terms? What are the rates? Will you take on this business?” And the firm will say, “Yes. No. Yes, here are the terms. Here’s the caveats, et cetera.” But it’s a very closed market process and an advisor has to live and die by what their firm says. Versus in the RIA world, it’s, “Okay, I have relationships with nine different banks and I can go to these different banks and private credit funds and whoever and really create either an option process for my client or really just help them in a fully agnostic open way.” And we see the same thing when it comes to alternative investments. No one at a wirehouse, let’s say, is complaining that they don’t have enough alts that they can offer clients. Those firms have done an amazing job with really boiling the ocean and having tons and tons of options for private investments, hedge funds, et cetera. But if you’re in the RIA world, you can take it to the next level and say, “Hey, this $3 million startup company that my friend is starting, I’m going to help them raise capital,” or, “My client wants to get a syndicate of investors together to have a direct investment into a qualified opportunity zone fund that they’re starting. Let’s do it when we can advise on it.” So it really expands what an advisor is able to do on behalf of clients. Like to me, that’s the most interesting or exciting part of the RIA model. You can get some of that within the BD world, but to me, when an advisor’s business becomes more sophisticated as far as what their end client’s needs are, it tends to translate better to the RIA world than the BD world. Not to say there aren’t ultra-high net worth focused advisors at BDs, but because of that additional flexibility, autonomy, customization, et cetera, that speaks more RIA. So again, absolutely not down at all on the independent BDs because I think there’s a massive home for them. Josh, let me turn it back to you. I’m rambling now. Give me the pitch for an independent BD. What are the things that are misperceptions that people have? What are the advantages that an independent broker dealer like an LPL or a RayJ or a Cetera have over RIAs or over other models in general? Joshua Tomolak: Absolutely. And I’d say I’ve learned more over the last six years from some of your ramblings than most people learn in an MBA course, so keep doing what you’re doing. But it’s funny being in this position now, having spent so much time sort of selling against the IBD model within TD Ameritrade, but what I’ve learned is it’s a good home for everybody. And a lot of times the advisors that they’re entrepreneurial enough where they like having their name on the door, but they’re not so entrepreneurial where they want to build everything out themselves, that’s where the independent broker dealers absolutely kill it. Their economics have gotten to a point where they’re really competitive. They offer transition capital that isn’t even going to be comparable in the RIA space unless you’re selling a minority share of your business. And you mentioned LPL, or we could really list all of the major ones, there’s not a department that they don’t have. It could be as nuance as finding 403(b) payroll slots or it could be as mainstream as fixed income or setting up events. There are all kinds of really neat departments that these all under one roof independent broker dealers have invested in. And a lot of times they make an effort to make you very much aware of all of the support because most people don’t use it. So I would say for the advisors that are looking to get their improved Toyota Tundra, then you can get probably 70 or 80% of what you want within the independent broker-dealer world. And you can also keep 20 or 30% of the stuff, maybe more that you really liked at your previous firm. So I think that’s where it really shines. I sometimes call it an incremental change rather than a transformational change. But for many advisors, incremental is really good enough if you get to keep the familiarity of how you’ve been doing business for the last 20-some years, but you’re able to get net improvement on the things that were really bothering you. Louis Diamond: Well said. Something that I’ve seen that’s been… I guess this could be either pro or con depending upon the advisor, but with some broker dealers, letting an advisor co-brand with them or really having a real consumer-facing brand, whether it’s, “I’m a franchise owner with Ameriprise,” or, “I’m independent through Raymond James,” or, “Running my own practice through Wells Fargo FiNet,” or, “I’m independent with Northwestern Mutual.” There’s definitely some brand cache or brand familiarity with some of those firms that may or may not be the same if you’re in the RIA world. So I would agree there’s a lot to like about the independent BD world and there’s a fit for people that is absolutely better with independent BDs than on the RIA side. Even if some people would say RIA is better, we’re cleaner, I wouldn’t say that. To me, it’s all about what an advisor’s goals are and then matching that up with what these firms do. And there’s never a perfect option. I jokingly say, “If there was a perfect firm, we wouldn’t be in business.” Every firm has their advantages or disadvantages. And depending upon where an advisor’s coming from, their style of business, their pain points, that’ll match up really well with on firm or one type of firm or one model than the other. Let’s pivot a little bit to the RIA world. A lot of your comments have been more about advisors affiliating or joining RIAs, this whole supportive version of independence concept. But what about advisors who want to go and start their own RIA? Either they’re leaving a captive firm and taking the entrepreneurial route and starting their own firm, or they’re leaving an independent BD to go start their own RIA. What do you see as some of the biggest misconceptions that advisors have about that move? Joshua Tomolak: That’s probably my favorite topic because there are the most misconceptions I think in this space. Louis Diamond: I’d agree. Joshua Tomolak: And I would say there’s 9 out of 10 conversations that I have with advisors and teams, they start off with the launching an RIA in mind or at least RIA curious and they want to understand what’s out there. And probably less than half the time do these folks end up actually launching their own RIA, which is okay because the ones that do are massively successful and they know they’re dang sure that’s exactly what they want to do. I think it gets a little bit romanticized sometimes that they’ll say, “Oh, I’ll just give Schwab a call,” or, “I’ll just give the custodian a call,” as if they were shopping independent broker dealers. That’s fine. You can do that and they will help you, but there’s quite a bit more to think about. And it’s not, in my opinion, the same as evaluating independent broker dealers. If it’s all right, I was taught the four pillars of the RIA model. I can go through that with you really quickly. So the way to think about the RIA space is in four pieces. And shout out to a friend, Eli Suarez, that taught me this years ago. The first pillar… Thinking of four pillars on a bar stool, if you will. The first one being administration. And this is your compliance, this is setting up your ADV, your LLC, all of your business formation documents. The second piece being technology, what do you actually want to use? Because the benefits of the broker-dealer world and the supported independent world is they’ve already built it for you. They’ve already paid for it and scraped their knees building it. In this case, you have to. And for some people, that’s really exciting to source financial planning software and portfolio management software and your CRM and tax software, et cetera. For some people, it just sounds like a huge headache. The third pillar being custodians. I have them third because you want to make sure that the right custodian can integrate properly with the technology that you’ve sourced that you’re passionate about. And then ultimately transition. What does a transition really look like? What are my legal and regulatory requirements? How does this work? What are the timelines? Things of that nature. So I guess I would say in closing that if those four things are things that you really want to own, then you’re in a really good position to consider an RIA launch. What do you think, Louis? Louis Diamond: I think that’s a great framework to break it down. Not just be like, “Okay, I can tolerate that,” or, “My team can do it,” but I think you have to be pretty excited about rolling up your sleeves and customizing and doing it yourself because in our experience, there’s a nominal differential between the economics of running your own RIA versus affiliating with an RIA or going to an independent BD. All the extra work and responsibility, you’re not really going to make it up, at least on the front end, on a higher net payout. So it has to be more about what the model means to you and having a vision that you don’t think anyone else can accomplish other than yourself. And looking at that crazy ever-expanding Michael Kitces’ FinTech map and there’s 500 different logos on it and being like, “Yes, that’s what I want. I want to go through this. I want to pick the seven pieces of my tech stack that work for me,” rather than getting, “Here’s the tech stack, take a demo, you like it, you don’t like it, take it or leave it.” To me, the two biggest misconceptions people have about the RIA world is one, “I’m going to have to be a full-time chief compliance officer,” and just that compliance is this boogeyman, this terrible, scary thing. In some ways it is. But the reality is most, especially startup RIAs will fully outsource compliance to a firm or they’ll hire a compliance consultant or firms that are big enough even will hire a CCO or repurpose someone on their team to be CCO. But compliance is much more streamlined and simpler than BD compliance. And ultimately, it’s compliance that’s being built for your business rather than compliance that’s being built for a publicly traded multinational company that supports 20,000 financial advisors. So I think compliance is always a big misconception. It’s definitely what a lot of firms will pry upon when they’re saying like, “Oh, you’re going to own all the legal and regulatory requirements. You could, but it’s definitely not a requirement.” And then I think another one is folks sometimes underestimate and overestimate the operational burden and how much work it is to start an RIA. Sometimes people just… They’re perfect for the RIA world, that’s their goal, but they get stopped in their tracks. They don’t really know what to do. But what we’ve seen, we said it earlier with so many different outsourcing solutions and different service providers that have popped up, if you have the fire in your belly to go build something, it doesn’t mean you’re doing it by yourself. I mean, that’s what firms like ours do. The custodians are very helpful. On the flip side though, I have seen advisors chasing payouts say, “Hey, I’m just going to go start an RIA because I want to make another 1 to 3%,” or whatever it comes to and they drastically underestimate what it really takes to build a successful firm. Joshua Tomolak: Exactly right. I think that’s my favorite one, Louis, overestimating and estimating the operational burden there is you could have the same conversation with two teams and it can go the completely different direction. Louis Diamond: Josh, let’s wrap here. I got one more question for you that I think is an exciting one, but give me three key trends or storylines that most people don’t know about or aren’t talking about that you’re passionate about or that you’re sharing with advisors or counseling today. Joshua Tomolak: Sure. This is the free advice portion. And I’ll tell you what, Louis, if it’s all right with you, I’ll give you two and I would love to hear one from you as well. The first one I’ve seen in both the independent broker-dealer and RIA space is the minority investor concept. A lot of folks will talk about the idea of taking chips off a table and starting to partially monetize your business. I think that’s all important, but what I’ve found is that a lot of advisors really want their partner, whether it’s an RIA broker dealer to help them grow. And that could be with M&A opportunities, that could be with traditional recruitment of advisors, that could be building a business plan. But the minority investment part really helps accelerate that for a lot of businesses because all of a sudden, not only are you cashing out a small part of your business, but you’ve just created an ally with the parent entity, it is now much more likely to help you grow in that capacity because they’re insulated from it and they profit when you profit. So I think it’s easy to be shortsighted and say, “Well, my equity’s going to keep growing. Why would I sell you a piece of this?” But I counsel folks often to really think about what that long-term strategic partnership is and making somebody a real equity partner rather than just a vendor that provides you with technology and regulatory coverage. The other one I’d say is that… And this one’s really important to me, that business formation is far more important than your assets under management. Said a different way, the way you build your business is going to make your business far more valuable than the number of dollars underneath your name. And what I mean by that is, just to use an example, a sophisticated, well-built, centralized, scalable and repeatable business, whether it’s an RIA with a broker-dealer that is going to fetch a far higher M&A multiple than a OSJ that’s five times the size that just has a bunch of 1099 independent advisors underneath the umbrella. What we’ve seen in the M&A space is that if you’re going to shell out 50, 60, $80 million for somebody’s business, you want to know that you have this business for the long term. So I would certainly counsel people that have been around maybe far longer than me to take a look at how you’re building this and put together a business plan on what those next 10 years should look like and not necessarily fall into the trap where your only revenue source is the override that you receive from a firm and then you in turn pay to the advisors on your team. Louis Diamond: Well said. I really like that line. We’d probably do a whole episode on what are the tips and tricks for building a business with the end in mind? Like the Covey quote, “Begin with the end in mind.” Transitions are like… They’re a bear. I mean, there’s no way to sugarcoat it. Advisors, when they hear transition, if you ask them, “Don’t think about it, give me your reaction.” “Terrible, risky, a lot of work. I’ll never do it again. My friend did it and it was terrible. What if my clients don’t come?” It’s all these negative emotions. And in many cases, I don’t blame an advisor because it is a big act. But to me, if someone is weighing making a transition, whether a wholesale business model change going from being an employee to being independent, going from being an advisor at an independent BD to starting an RIA, or even going independent BD to independent BD, it’s an opportunity if you rise to the occasion to build with this next act with intentionality. So whether it’s restructuring compensation for your team, converting people from 1099 to W2, putting in place new workflows, changing how investments, instead of it being each individual advisor doing investments to more of a centralized model, cleaning up workflows, really investing in data, investing in AI. It’s something that I think, again, we can have a whole episode on it, but I think it’s a great one. Build the business the right way. And obviously, businesses that are larger, theoretically, sell for more, but we’ve certainly seen businesses that are half the size of a larger one sell for a similar amount or more because they did all the right things and the larger one did the things that really turn off a buyer or detract from a valuation. Let me give you one more and tell me if you agree, but I think we’re in this moment when Altruist, the upstart, a new kid on the block custodian, they launched a basically tokenization of cash in a way to automatically agentically source or sort cash to the highest yielding money market. And you’re like, “This is fricking wonky. Louis, why are you telling us this?” I think this is an important one just to keep a watchful eye on. I have no idea how this is going to shake out, but really the biggest way that independent BDs or even custodians like Schwab and Fidelity really make money, it’s not on their overrides from practices or the admin fee or the custody fee. It’s really on net interest margin. So how much the broker-dealer or the firm is making on client cash and brokerage accounts relative to what they’re paying out the client. It’s essentially like free margin to these firms. And this concept, I think, has massive potential for disruption for the business model. Again, I don’t know what it’s going to look like, whether it means platform fees that are instituted at all these firms, whether it means certain models would be more beneficial than others, whether it means nothing’s going to change, which is probably the right answer given this industry. But it’s something to keep a watchful eye on just if your firm institutes a new platform fee or there’s a fundamental way in which your firm can no longer make money. How are they going to make it up? Are they now going to be uncompetitive? They’re not going to have as much scale or profits to invest in the platform. Is it going to cause even more consolidation in the industry? So to me, that’s the one pretty under the radar, pretty wonky storyline that I don’t think enough people are talking about, but has the biggest possibility for disruption across their space than anything I’ve seen in a while. Joshua Tomolak: Sure. That’s the whole iceberg. Not a lot of people are talking about it. It’s not poking out of the ocean, but it’s going to be continuously brought up. I think it’s a question that a lot of advisors are going to have to ask these firms. And at the end of the day, the firms aren’t the bad guys. They have to make money too to provide a quality product. So where the money comes from matters. Louis Diamond: Exactly. Josh, this has been awesome. I learned a lot talking with you and just having your objective consulting hat on what I think are really the differences between IBD and RIA and some of the key trends and storylines to watch has been instrumental. I’ll also give a plug that on our website and we’ll link to it in the show notes, we have a really helpful one-page reference guide going through the differences between independent BDs or IBDs and RIAs. So feel free to click on it. We’ll make sure it gets in your inbox. Josh, thanks again for joining us today. Joshua Tomolak: Yeah, thanks for having me, Louis. It was a pleasure. 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 responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. IBD vs. RIA: A Special Industry Update on Independence A conversation with Louis Diamond and Josh Tomolak, Vice President of Independent Advisor Services at Diamond Consultants.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is IBD vs. RIA: A Special Industry Update on Independence. It’s a conversation with Josh Tomolak, our Vice President of Independent Advisor Services. I’m Louis 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. Louis Diamond: For a long time, going independent would suggest the destination. Today, it’s often the beginning of a different conversation. As the independent space has matured, advisors have more choices than ever before. Broker-dealers have expanded their capabilities. The RIA ecosystem has become increasingly sophisticated. Capital is more readily available and support models now exist that would’ve been difficult to imagine a decade ago. The result is that many advisors who are already independent are taking a fresh look at whether their current affiliation still aligns with what they’re trying to build. My guest is Josh Tomolak, Vice President of Independent Advisor Services here at Diamond Consultants and our resident expert on independence. Josh spends his days helping advisors evaluate independence in all its forms from independent broker dealers, the fully independent RIAs and everything in between. And his knowledge is critical because the distinction between these models is often blurred. Many broker dealers now offer pathways to greater autonomy while supported independence has made RIA ownership more accessible than ever before. So the question is no longer simply, “Do I want to go independent?” The question is, “What kind of independence makes the most sense for client, business, and go

Your S&P 500 fund says 7% — but over 300 of its stocks are beating the index. This week we dig into the massive broadening of the market that almost nobody in the financial media is talking about, and why we think it's the healthiest thing to happen to this bull market in years.For three years, seven stocks did all the talking. This year, the other 493 are answering. On this week's Money On Tap, we walk through the numbers behind the broadening: the Magnificent Seven still make up roughly a third of every dollar in a cap-weighted S&P 500 index fund — which is exactly why so many statements look stuck at 7% while the equal-weight S&P runs above 14%, the Russell 1000 Value nears 20%, and healthcare and industrials each post roughly 24% year to date. We connect it to the 100-year-old Dow theory (industry makes goods, transportation moves them — and both are near highs), unpack the defensive-stock paradox (staples rallying while nobody calls a recession), revisit the historical pattern from 1983, 1995, 2003, 2013, and 2020 where tech blows out and then leadership broadens — and get practical about what a broadening market rewards most: rebalancing, equal-weight exposure, sector and international diversification, and knowing what your 401(k) actually owns.What you'll learn:Why a third of every S&P 500 index-fund dollar sits in just seven stocks — and what that's done to your return this yearThe breadth numbers: 300+ stocks beating the index, roughly seven in ten S&P names up on the yearThe sector scoreboard: healthcare ~24%, industrials ~24%, staples ~11.3%, financials ~9.7%, utilities ~7.6%Why money is rotating, not leaving — and why that's the opposite of how crashes startDow theory at 100+: what industrials and transports near highs historically signalThe defensive-stock paradox: staples leading without a recession call anywhere in sightThe rebalancing playbook: taking profits without apology, calendar discipline, equal-weight funds (11.9% vs 10.9% over 20 years)How to broaden with new contributions instead of selling your winnersTarget-date fund warnings: layered fees, hidden allocations, and no way to rebalanceWhy this is not a reason to dump technology — proportion, not exitPlus Money In The News:A property-management company bets $200K on AI to make the trades more efficient — filling a labor gap instead of cutting jobsApple set for its strongest June-quarter sales growth in five years — flat iPhone pricing, a $5 trillion moment, and sitting out the AI arms raceThe 100-year-old Dow theory says this market isn't done climbingWant a white paper on this week's topic? Email us at info@yourmoneyontap.com and we'll send it over.Read the companion blog: https://www.brayshawfinancial.com/blogSchedule a free consultation: https://app.greminders.com/t/9f3ce72e/initialconsultaBrowse the full Money On Tap library: https://www.brayshawfinancial.com/money-on-tapContact UsPhone: 855-226-8551Email: info@yourmoneyontap.comOffice: 116 South River Road, Bedford, NH 03110Web: brayshawfinancial.comSecurities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. All other services offered through Brayshaw Financial Group, LLC are independent of Osaic Wealth, Inc. Osaic Wealth, Inc. and Brayshaw Financial Group do not provide tax or legal advice. Index and sector figures cited are approximate year-to-date values as of the air date, drawn from sources believed reliable, and subject to change. Past performance is not a guarantee of future results.Why is my S&P 500 index fund underperforming the market in 2026?Because the S&P 500 is cap-weighted: roughly a third of every dollar in the index sits in just seven stocks — the Magnificent Seven — and several of them are having an off year. Meanwhile the equal-weight S&P 500 is up more than double the cap-weighted index, and over 300 individual S&P stocks are beating it, led by healthcare and industrials near 24%. The fix isn't leaving the market — it's diversification: equal-weight exposure, sector funds, and a rebalancing discipline that trims concentration back to your plan.

Send us Fan MailThe conversation focused on J.D. Williams's career, growth, resilience, and impactful roles from The Wire to today.-Podcast Chapters:00:00 Being grateful for family04:08 Facing Challenges and Finding Resilience06:51 Importance of consistency in success09:43 Maintaining a Positive Attitude13:54 Playing the Character of Bodie17:37 Discussing a character's pivotal line22:43 The Wire's ongoing relevance26:19 Discussing J.D.'s acting career29:57 Comparing HBO roles: Bodie and Kenny32:46 Being offered a unique role34:27 Building complex character traits39:16 Discussing Times Square message ideas43:33 The Wire's unexpected widespread impact-Quotes to open episodes:You've got to be persistent and consistent. Keep hitting the same spot the same way, and eventually, you'll see progress or a breakthrough.“This game is rigged, man.” - Bodie-People and Names mentioned in the episode:The WireOzDavid SimonMichael Kenneth WilliamsTray ChaneyDavid Alan GrierAlexa Vogel-J.D.'s Resources:Instagram: https://www.instagram.com/jdxwilliams/ IMDB: https://www.imdb.com/name/nm0412907/?ref_=ext_shr_lnkSupport the showConnect with Passing The Torch: Facebook and IG: @torchmartinMore Amazing Stories:Episode 41: Lee Ellis – Freeing You From Bond That Make You InsecureEpisode 81: Kurt Warner – Perseverance, Humility, and Lighting the Way Episode 90: Michelle 'MACE' Curran – How to Turn Fear into Fuel------------© 2026 TORCH LEAP®, LLC. All rights reserved.

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Dave Rubin of "The Rubin Report" talks about Senator Rand Paul grilling Dr. Anthony Fauci over the lies and contradictions from his COVID pandemic diary during the Senate hearing on the COVID pandemic; Elizabeth Warren trying to sell Troy Jackson as Graham Platner's replacement to MSNOW's Chris Hayes; John Fetterman telling CNBC why Bernie Sanders revealed himself to be a clueless idiot for his refusal to admit that his endorsement of Graham Platner was a huge mistake; Seth Moulton telling CNN's Kate Bolduan why the DNC is now broke and collapsing under the leadership of Ken Martin; Zohran Mamdani admitting to The Root that he is fully prepared to pay cash reparations to African Americans for slavery in New York City if the Commission on Racial Equity (CORE) recommends it; Israel Prime Minister Benjamin Netanyahu giving a brutal response to Sean Hannity about Zohran Mamdani threatening to arrest him and turn him over to the International Criminal Court if he enters New York City; and much more. Today's Sponsors: Kalshi - Download the Kalshi app and use code RUBINREPORT to get up to $500 in bonus credits when you trade $25 or go to https://kalshi.com/r/RUBINREPORT. DISCLAIMER: 18+ only. Restrictions and eligibility requirements apply. Event contract trading involves risk and may not be suitable for all investors. Prices, values, and available markets may differ from those mentioned. For more information see kalshi.com/regulatory Chapter - Optimize the one piece of your health most people never audit: the Medicare coverage that pays for all of it. For free and unbiased Medicare help: Dial (332) 867-0207 or Go to: https://askchapter.org/rubin Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Rumble Wallet - Don't let the big banks freeze your accounts.Take Control of Your Money and claim $5 in US Stablecoin (USA₮)! Download now at http://wallet.rumble.com/rubin and use the code Rubin5.

Don't get the team right but the pass-catcher to target wrong! Join Ryan Wormeli, Andrew Erickson and Scott Bogman for their top seven wide receiver battles to know before your 2026 fantasy football draft! Why is Jacksonville Jaguars WR Parker Washington the right player to target in Duval County? Who will step up if New York Giants WR Malik Nabers is forced to miss time? Plus, what makes Washington Commanders WR Antonio Williams the easiest pick to make? The Pros point out which WRs to target and fade! Timestamps: (May be off due to ads) Intro - 0:00:00 Jacksonville Jaguars - 0:00:44 FantasyPros Premium Giveaway - 0:12:47 Los Angeles Chargers - 0:13:10 New York Giants - 0:23:09 FantasyPros Cheat Sheet Creator - 0:30:32 Green Bay Packers - 0:30:57 Washington Conmanders - 0:39:33 Chicago Bears - 0:44:55 Hard Rock Bet - 0:50:10 Cleveland Browns - 0:51:56 Outro - 0:54:25 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Stay sharp and ahead of your league mates as the NFL offseason rolls on! Join Ryan Wormeli and Scott Bogman as they host a new dynasty fantasy football live Q&A. Who are the recent risers and fallers in startup draft rankings? What players should managers be targeting in trade discussions? Plus, what recent headlines impact the fantasy landscape the most? Timestamps: (May be off due to ads) Intro - 0:00:00 Superflex Strategy - 0:01:05 RJ Harvey/Blake Corum/Jonathon Brooks/Kyle Monangai - 0:05:07 Jonathon Brooks Hype - 0:08:10 Eli Stowers/KC Concepcion - 0:12:45 Late-Round TE Targets - 0:15:12 Dynasty Fantasy Rookie Sleepers - 0:17:37 Tyreek Hill - 0:19:00 Marvin Harrison Jr/Christian Watson/Jaylen Waddle - 0:21:11 Josh Allen - 0:23:40 Dynasty Fantasy Football Roster Advice - 0:26:59 Keeper Advice - 0:30:18 Bijan Robinson Trade Value - 0:33:06 Zach Charbonnet/Michael Wilson - 0:33:52 Colston Loveland/Chris Olave/Travis Etienne - 0:36:11 Josh Jacobs/Javonte Williams - 0:38:14 Gunnar Helm/AJ Barner/Oscar Delp - 0:41:15 Hard Rock Bet - 0:42:21 Rashee Rice - 0:44:17 Tight End Trade Advice - 0:47:21 Keeper League Advice - 0:48:26 CeeDee Lamb - 0:52:42 Dynasty Buys - 0:53:49 Colston Loveland - 0:55:42 Christian McCaffrey - 0:56:51 Rapid-Fire Q+A - 0:59:45 Outro - 1:03:22 Helpful Links:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ League Tycoon - League Tycoon is the official dynasty fantasy partner of the FantasyPros DynastyFootball Podcast. League Tycoon has tools for serious dynasty leagues: slow auction drafts with20-plus players at once, trade auctions, draft lotteries, compensatory picks, and league historyimport. Standard dynasty leagues are free for everyone. And for contract dynasty leagues, usepromo code PROS to get your first season free. Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Dynasty Rookie Draft Simulator - Our Dynasty Rookie Draft Simulator lets you complete a mock in minutes with no waiting between picks! Customize your league settings to match your league’s exact format. Premium subscribers can test trade scenarios by mocking with their traded draft picks. Prepare for rookie drafts AND dynasty startup drafts in one place! Use the Dynasty Rookie Draft Simulator to dominate your rookie draft today at fantasypros.com/simulator! Trade Analyzer - Evaluate trades with confidence using FantasyPros' Trade Analyzer. Instantly see the impact of trades on your team and get expert recommendations. Whether you're making a 2-for-1 deal or swapping a couple draft picks for that stud who will help you win now, the Trade Analyzer will help you optimize your roster and make smarter decisions. Try the Trade Analyzer today at fantasypros.com/myplaybook or on the Fantasy Football My Playbook app and dominate your league! Join us on Discord - Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chatSee omnystudio.com/listener for privacy information.

“Well, this might be unwelcome news,” writes Andrew Yang, “but Kamala Harris is telling people in California that she is running for President again.” Yang, an entrepreneur who ran for President in 2020 as a Democrat, says his sources tell him Kamala's team is quietly laying groundwork for her to run in the next election – and why the DNC announcing that South Carolina “would be the first primary state in the 2028 Democratic primary” is a clue. “She showed up to a political event last weekend that was a pretty clear step in that direction,” says Yang. “As you might be able to tell, I think this whole thing is a disaster.” Andrew Yang joins Dr. Drew to discuss the next big Presidential election, AI's impact on jobs, and why he still champions UBI after famously proposing the Freedom Dividend to grant $1,000 per month to every American adult. Dr. Drew and Andrew also speak about their experience after competing together on FOX's new reality show Nation's Dumbest. Attorney Tom Renz returns to speak about a “betrayal” of MAHA after the CDC “gave Pfizer $1.24 billion for mRNA COVID vaccines including jabs for kids.” Dr. Kelly Victory reports on explosive new details from Dr. Anthony Fauci's COVID-19 diaries, recently released by Sen. Rand Paul in advance of Dr. Fauci's congressional hearing on July 29, 2026. 「 SUPPORT OUR SPONSORS 」 • FATTY15 – The future of essential fatty acids is here! Strengthen your cells against age-related breakdown with Fatty15. Get 15% off a 90-day Starter Kit Subscription at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/fatty15⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • PALEOVALLEY - "Paleovalley has a wide variety of extraordinary products that are both healthful and delicious,” says Dr. Drew. "I am a huge fan of this brand and know you'll love it too!” Get 15% off your first order at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://drdrew.com/paleovalley⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • THE WELLNESS COMPANY - Counteract harmful spike proteins with TWC's Signature Series Spike Support Formula containing nattokinase and selenium. Learn more about TWC's supplements at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twc.health/drew⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • CHAPTER - For free and unbiased Medicare help, dial (218) 521-2472 to speak with my trusted partner, Chapter, or go to ⁠⁠⁠⁠⁠⁠⁠https://askchapter.org/drdrew⁠⁠⁠⁠⁠⁠⁠ Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. 「 ABOUT THE SHOW 」 This show is for entertainment and/or informational purposes only, and is not a substitute for medical advice, diagnosis, or treatment. Executive Producers • Kaleb Nation - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://kalebnation.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ • Susan Pinsky - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/firstladyoflove⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Content Producer • Emily Barsh - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/emilytvproducer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Lindsay Clancy broke down as jurors heard her husband's 911 call. Bryan Kohberger is now trying to withdraw his guilty plea, pointing to disputed hair evidence. Scott breaks down the insanity defense, plea-withdrawal fight, and what courts actually care about. Watch to the end and tell us which legal battle faces the bigger uphill climb. #CrimeTalk, #LindsayClancy, #BryanKohberger, #TrueCrime, #LegalAnalysis, #CourtroomNews

The assumptions that shaped the last 40 years of investing may not hold for the next 40.The world is becoming more complex. U.S. dominance is shifting, while major changes in energy, technology, and demographics are creating new risks and opportunities that many financial plans aren't prepared for.The challenge for financial advisors isn't getting more information. It's cutting through the noise, finding the signals that actually matter, and helping clients avoid short-term decisions based on the latest headline.I'm excited to be talking with geopolitical analyst Jacob Shapiro to unpack the four forces he believes will reshape markets, portfolios, and financial planning in the years ahead.We also explore where advisors may be carrying more risk than they realize, why some of the best opportunities may exist outside the United States, and how to think more clearly about what's coming next.3 Insights From This Week's Episode…#1.) The Four Forces Advisors Can't Afford To IgnoreThe shift toward a multipolar world is happening alongside major changes in energy, technology, and demographics. Jacob explores why these forces matter for financial advisors and how they could challenge assumptions that have guided portfolios and financial plans for decades.#2.) More Information Can Lead To Worse DecisionsAdvisors and clients have access to an endless stream of headlines, opinions, and predictions. We discuss why reacting to all that noise can distort how people understand risk and why the most important signals are often hiding beneath the story dominating the news.#3.) Are Advisors Too Focused On Avoiding Losses?Clients remember losses more than gains, which can quietly push advisors toward overly cautious decisions. Jacob examines the tension between protecting what clients have and helping them participate in the opportunities created by a more volatile world.Triad Sales LabWant to turn more great prospects into lifelong clients? Triad Sales Lab helps advisors use simple visual models to communicate more clearly, strengthen appointments, and improve the way they present their process. Learn more and apply below.https://bradleyjohnson.com/174-triad-sales-lab/SHOW NOTEShttps://bradleyjohnson.com/179FOLLOW BRAD JOHNSON ON SOCIALXInstagramLinkedInFOLLOW DBDL ON SOCIAL:YouTubeTwitterInstagramLinkedInFacebookDISCLOSURE DBDL podcast episode conversations are intended to provide financial advisors with ideas, strategies, concepts and tools that could be incorporated into their business and their life. No statements made in the episode are offered as, and shall not constitute financial, investment, tax or legal advice. Financial professionals are responsible for ensuring implementation of anything discussed related to business is done so in accordance with any and all regulatory, compliance responsibilities and obligations. The Triad member statements reflect their own experience which may not be representative of all Triad Member experiences, and their appearances were not paid for. Triad Wealth Partners, LLC is an SEC Registered Investment Adviser. Please visit Triadwealthpartners.com for more information. Triad Wealth Partners, LLC and Triad Partners, LLC are affiliated companies. TP07265768485See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Seth Woolcock and Scott Bogman break down every major ACC betting market, including conference championship futures, season win totals, dark horse contenders, and Heisman long shots. They debate whether Miami is worth the heavy price, why SMU could be the conference's biggest challenger, and which teams they're fading heading into the 2026 college football season. They also reveal their favorite win total bets, including a fade of Bill Belichick's North Carolina Tar Heels, plus a surprising sleeper that could outperform expectations. Timestamps: (May be off due to ads) Intro - 0:00:00 Heavyweights & Conference Champion Odds - 0:02:40 BettingPros Premium Giveaway - 0:18:15 Trap Teams & Screaming Unders - 0:18:48 BettingPros App - 0:31:27 Dark Horses & ACC Heisman Longshots - 0:31:57 Hard Rock Bet - 0:37:43 Betting Cards Recap - 0:39:55 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

Will electing S Corporation status ALWAYS save your business thousands in taxes? While that can be true, an S Corp also brings additional payroll requirements, tax filings, costs, and responsibilities.In this episode, we break down how an S Corp reduces self-employment taxes, when the election usually makes financial sense, and which factors you need to consider before making the switch.

Vice President JD Vance is widely perceived as the most likely candidate to be America's 48th President, followed closely by the excellent Marco Rubio.  And certainly Vance presents many personal and professional qualities one would seek in a President of the United States, not least his patent love of nation. The elephant in the room, of course, is that JD Vance is married to a woman, Usha, who although born in America is in many ways culturally Indian, including in her religious dietary practices. This at a time in American history when we seem awash in tens of millions of Indian migrants who appear utterly resistant and disinterested in assimilating into our American culture, instead establishing their own ethnic enclaves, arguably engaging in predatory take-over of many American industries that were traditionally paths of upward mobility for American citizens, and to a large extent making America less America and more Indian—which would seem to be in neither the interests of America nor India.This has led some prominent voices on the American political right, perhaps more accurately termed the nationalist right, meaning prioritizing the interests of the American nation over other interests, to proclaim that if JD Vance is the candidate they will decline to cast a vote in the 2028 Presidential elections on the grounds that they are not interested in voting for an American president with an “Indian” spouse. That American culture is facing an existential threat at the hands of massive third-world invasion of our country seems incontestable, and the nation's cultural survival rather obviously depends on, well, it's cultural survival—keeping America American. Does this concern warrant playing absent from casting a vote in the 2028 Presidential election?I suggest not—and for much the same reasons I was opposed to this same take when it came to voting for Donald Trump for President in 2016.Join me LIVE at 9 AM ET as I break it all down!Clarence Thomas x 9: Perfect SCOTUS Mugs! https://tinyurl.com/k778wj2kFor complete Medicare guidance, dial (617) 644-0093 to speak with my trusted partner, Chapter.All @TheBrancaShow mugs & MORE! https://tinyurl.com/k778wj2kJOIN OUR COMMUNITY! Exclusive Members-only content & perks! Only ~17 cents/day! $5/month! YouTube: https://tinyurl.com/hn32rfz9 Locals: https://tinyurl.com/yck4w9kfFOUNDING FATHERS SPEED DIAL: Founding Fathers SPEED DIAL: https://tinyurl.com/3f7pc8nzEpisode #1397.Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.

The VA self employment track can pay veterans to start a business instead of pushing them back into another degree, and almost no counselor talks about it. In this episode, two veterans reveal how they got the VA to fund their LLCs, certifications, laptops, training, and even a monthly stipend while they learned to win government contracts. If you are a veteran with a business idea and a service connected disability, this is the exact path most counselors will steer you away from. Here is what you will learn in this episode: How the vocational rehabilitation self employment track can reimburse up to $100,000 in track one or $25,000 in track two, plus post standup costs like a mentor or business consultant Why the self employment and OJT tracks pay for your LLC, certifications, website, insurance, and computer when the educational tracks will not The exact phrase and preparation that turned a denial into an approval, including why Chapter 8 of the M28R regulation is your strongest leverage How Rafa used the OJT track to earn two incomes at once while getting SDVOSB, EDWOSB, and HUBZone certified through Brave One Contract Agency How Renona sold her HR consulting idea through the accelerator program and feasibility study to get Hermar Solutions funded EPISODE CHAPTERS: 0:00 - Using the VA to fund your entire startup 2:04 - Vocational rehabilitation tracks and self employment explained 4:17 - Why Rafa chose contracting over going back to school 6:03 - How the OJT track pays you monthly 8:19 - Self employment track reimbursements and hard costs covered 10:32 - Track one and track two funding amounts explained 12:26 - Building your feasibility study and selling the idea 18:16 - Getting SDVOSB, EDWOSB, and HUBZone certifications through the track 20:32 - Why counselors discourage the self employment track 24:11 - Finding the M28R regulation and doing your homework 26:36 - First steps to contact voke rehab and apply 35:15 - Timeline for getting funded and final advice Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

Zohran Mamdani doxxes every property owner in New York City, launches a nationalized grocery store, and spits in the face of 9/11 families. How the hell did we get here? Plus, Hunter Biden sits with Nick Fuentes and feminist scholar Emily Wilson hates Christopher Nolan's Odyssey. Ep. 2473 - - - Today's Sponsors: Shopify - Every self-made person started somewhere. Yours starts free at https://shopify.com/shapiro PureTalk - There's a better wireless choice out there. And at just fifteen bucks a month for your first three months on ANY plan… now's a great time to choose PureTalk. Simply go to https://PureTalk.com/SHAPIRO to claim this offer. Supersure - Go to https://Supersure.com/shapiro. One SuperAgency. One powerful platform. All your policies in one place. Paid for by Supersure Insurance Agency, LLC, a licensed insurance agency. - - - DailyWire+

We here at Bald, LLC are proud to present: "The Essence of Consequence," our ultra-natural deodorant lovingly compounded from Icelandic aloe, pulverized cedar bark, ceremonial Scottish peat, and the pollen from downtown Los Angeles sidewalk dandelions. We take this proprietary blend and strain it through a used pair of nylons from our 2022 live tour, and we do it all without a single vulgar ingredient proven to work in any way whatsoever, as ethics can't scientifically prevent perspiration or odor. Each artisanal swipe transforms your underarm into a thriving, biodiverse wetland, allowing you to greet the day with the moral serenity of someone who has personally defeated chemistry and the sinister concept of “smelling fresh." Because let's face it: feeling good about what you wear is important, even when wearing it is an olfactory assault to all those within twenty feet of you. Ready to upgrade your home for way less? To shop all things home and get your space ready for less, head to: https://Wayfair.com To get simple, online access to personalized, affordable care for ED, Hair Loss, and more, visit: https://Hims.com/BALD Find the functional gummy that matches exactly what mood you're looking for! Use promo code BALD when you check out to save 20% on your first order at: https://mood.com Follow Trixie: @TrixieMattel Follow Katya: @Katya_Zamo To check out our Patreon: ⁠⁠⁠https://www.patreon.com/cw/trixieandkatya⁠⁠⁠ To watch the podcast on YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/TrixieKatyaYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To check out our official YouTube Clips Channel: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/TrixieAndKatyaClipYT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Don't forget to follow the podcast for free wherever you're listening or by using this link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bit.ly/thebaldandthebeautifulpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ If you want to support the show, and get all the episodes ad-free go to: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://thebaldandthebeautiful.supercast.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To check out future Live Podcast Shows, go to: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://trixieandkatya.com/#tour⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To check out the Trixie Motel in Palm Springs, CA: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.trixiemotel.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Listen and Watch Anywhere! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://bit.ly/thebaldandthebeautifulpodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Trixie: Official Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.trixiemattel.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@trixie⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/trixiemattel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/trixiemattel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter (X): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/trixiemattel⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   Follow Katya: Official Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.welovekatya.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@katya_zamo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/welovekatya⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/katya_zamo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter (X): ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/katya_zamo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠   #TrixieMattel #KatyaZamo #BaldBeautiful Learn more about your ad choices. Visit podcastchoices.com/adchoices Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fill up your roster with difference-makers who will return value at cost by joining Chris Welsh and Tera Roberts for their top four must-target fantasy football draft values! Why is Green Bay Packers RB Josh Jacobs once again being overlooked? Can Tampa Bay Buccaneers WR Emeka Egbuka become QB Baker Mayfield's top target? Plus, what about a new head coaching hire makes Atlanta Falcons TE Kyle Pitts a potential steal for two years in a row? The Pros practice thrifty living! Timestamps: (May be off due to ads) Intro - 0:00:00Josh Jacobs (RB - GB) - 0:02:25Emeka Egbuka (WR - TB) - 0:06:02FantasyPros Store Code & Premium Subscription Giveaway - 0:10:49Trevor Lawrence (QB - JAC) - 0:11:45Kyle Pitts (TE - ATL) - 0:17:24Outro - 0:21:34 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Tom Strachan and Andrew Erickson jump into another FFPC Superflex Best Ball draft with $100,000 on the line and break down every pick, every strategy, and every key decision along the way. This episode covers everything from elite quarterback strategy and Zero RB roster construction to stacking, tight end premium tactics, and the latest NFL training camp news impacting fantasy football drafts. Along the way they discuss Drake Maye's QB1 upside, Brock Bowers' ceiling in TE Premium, whether Zero RB can still win tournaments, and the biggest values available throughout the FFPC draft room. Whether you're drafting FFPC, Underdog, DraftKings, or preparing for your home Superflex league, this episode is packed with actionable draft strategy and player analysis. Timestamps: (May be off due to ads) Intro - 0:00:00 Drake Maye QB1? - 0:00:20 JSN & Brock Bowers - 0:02:27 2026 Best Ball Strategy - 0:04:00 FantasyPros Draft Assistant - 0:05:18 AJ Brown - 0:07:38 Brock Purdy & Drake London - 0:09:38 Josh Allen vs Drake Maye - 0:11:15 Tyler Shough - 0:12:39 Tyler Warren - 0:15:00 Jordan Love - 0:16:40 Daniel Jones - 0:18:34 Malik Nabers - 0:19:43 Omarion Hampton & AJ Brown in Round 1 and 2? - 0:21:38 Tetairoa McMillan - 0:22:24 Harold Fannin - 0:25:24 Sam LaPorta - 0:26:56 Kyle Pitts - 0:30:00 Bucky Irving vs Breece Hall - 0:31:15 Christian Watson - 0:33:27 Jaylen Warren - 0:35:00 FantasyPros YouTube Channel - 0:35:56 Tony Pollard & Rachaad White - 0:36:45 Zero RB Tactics - 0:38:00 RJ Harvey - 0:40:19 Jakobi Meyers - 0:42:35 Tyrone Tracy & Ricky Pearsall - 0:43:54 Xavier Worthy - 0:46:30 FantasyPros Discord - 0:48:30 Chig Okonkwo - 0:49:25 Dylan Sampson & Keaton Mitchell - 0:50:48 KC Concepcion - 0:52:25 Jonah Coleman - Handcuff Strategy - 0:53:23 Brandon Aiyuk - 0:56:22 Jets RB2 Situation - 0:58:05 Gunnar Helm & Travis Hunter - 1:00:58 Oronde Gadsden and Brenton Strange Temperature Check - 1:02:26 Ray Davis - 1:05:38 Jaydon Blue & Germie Bernard - 1:09:25 Darnell Washington - 1:10:18 JJ McCarthy - 1:12:10 Eli Raridon - 1:14:56 Elijah Sarratt & Isaiah Davis - 1:16:30 Carson Wentz - 1:17:57 Roster Reviews and Draft Recap - 1:18:20 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Pat Fitzmaurice is back with his favorite league-winning fantasy football picks for the 2026 season! Joined by Tera Roberts, Fitz counts down his Top 10 draft targets who have the upside to dramatically outperform their ADP and help carry fantasy managers to a championship. From breakout running backs and ascending wide receivers to elite tight ends with overall TE1 upside, these are the players Pat believes can become true difference-makers in your fantasy football leagues this season! Timestamps: (May be off due to ads) Intro - 0:00:00 Jonathon Brooks - 0:01:57 Tyler Warren - 0:05:31 Warby Parker Discount Offer - 0:08:44 Christian Watson - 0:11:07 Jameson Williams - 0:15:50 FantasyPros Draft Wizard - 0:19:59 TreVeyon Henderson - 0:20:42 Emeka Egbuka - 0:26:31 Hard Rock Bet - 0:30:41 Colston Loveland - 0:33:15 Zay Flowers - 0:37:02 Kenneth Walker III - 0:41:24 Brock Bowers - 0:46:15 Outro - 0:50:45 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts. Warby Parker - Our listeners can buy one pair of glasses and get 20% off any additional pairs atWarbyParker.com/FANTASYPROS — and using our link helps support the show!See omnystudio.com/listener for privacy information.

What if the most lucrative real estate strategy right now did not involve writing lowball offers, comping properties, or dealing with flaky cash buyers? Imagine calling a foreclosed homeowner not to negotiate, but to tell them you found a massive check with their name on it. In this explosive live episode, Brent Daniels brings back surplus funds master Alfred Tarrin to break down exactly how to tap into a hidden $200 million-a-month goldmine. Alfred also breaks down real-life case studies, including a $49,000 recovery in Sacramento and a massive $60,000 fee from an LLC-owned commercial building. Stop leaving guaranteed money on the table and learn how to bolt this strategy onto your existing wholesale business. Be a part of the TTP training program now.---------Show notes:(1:27) How Brent discovered the hidden surplus funds niche through his escrow officer(3:04) Alfred's impressive track record of closing over 2,000 surplus recovery deals(4:13) Why calling for surplus funds is entirely different from a traditional wholesale cold call(5:47) How Alfred transitioned from a standard insurance career to the surplus funds industry(9:23) The exact questions you must ask a probate attorney before partnering on surplus deals(10:52) How the 2023 Supreme Court ruling stopped the government from keeping unclaimed equity(13:21) The staggering reality of $200 million in surplus funds being generated every single month(15:42) How to navigate small probate thresholds to fast-track deals for deceased property owners(18:49) Case study breaking down a $49,000 surplus recovery in Sacramento with a 30 percent fee(25:50) The realistic 60 to 120-day timeline for getting surplus funds released and paid out (30:54) How Alfred secured a $60,000 fee from an LLC-owned commercial building----------Resources:Learn SurplusTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

You'd think the dirtiest air you breathe all day is outside, but Mike Feldstein showed me it's the opposite. The average home is usually 5 to 10 times dirtier than the air outside, and since the 1970s we've built homes airtight for energy efficiency, so every new couch, rug, and coat of paint off-gasses right where you live. In a study of 150 people, just cleaning the bedroom air got them 25 more minutes of sleep a night and 18% more deep sleep. If you've been waking up tired, foggy, or congested and can't figure out why, don't start with your bloodwork. Start with the tank you're living in. CLICK HERE TO BECOME GARY'S VIP!: ⁠https://bit.ly/4ai0Xwg⁠ Connect with Mike Feldstein Website: https://bit.ly/4vVRDYs   Website: https://bit.ly/4gTFUWi   Instagram: https://bit.ly/4yIZhrJ  LinkedIn: https://bit.ly/4yzh18C   Thank you to our partners A-GAME: “ULTIMATE15” FOR 15% OFF: http://bit.ly/4kek1ij AION: “ULTIMATE10” FOR 10% OFF: https://bit.ly/4h6KHAD AIRES: "ULTIMATE20 " FOR 20% OFF: https://bit.ly/4a3Duze BAJA GOLD: "ULTIMATE10" FOR 10% OFF: https://bit.ly/3WSBqUa BODYHEALTH: “ULTIMATE20” FOR 20% OFF: http://bit.ly/4e5IjsV COLD LIFE: THE ULTIMATE HUMAN PLUNGE: https://bit.ly/4eULUKp CYMBIOTIKA: "BRECKACYM30" FOR 30% OFF: https://bit.ly/4tjyluP  GENETIC METHYLATION TEST (UK ONLY): https://bit.ly/48QJJrk GENETIC TEST (USA ONLY): ⁠https://bit.ly/3Yg1Uk9 GOPUFF: GET YOUR FAVORITE SNACK!: https://bit.ly/4obIFDC H2TAB: “ULTIMATE10” FOR 10% OFF: https://bit.ly/4hMNdgg HEALF: 10% OFF YOUR ORDER: https://bit.ly/41HJg6S PEPTUAL: “TUH10” FOR 10% OFF: https://bit.ly/4mKxgcn SNOOZE: LET'S GET TO SLEEP!: https://bit.ly/4pt1T6V WHOOP: JOIN & GET 1 FREE MONTH!: https://bit.ly/3VQ0nzW Watch  the “Ultimate Human Podcast” every Tuesday & Thursday at 9AM EST: YouTube: ⁠https://bit.ly/3RPQYX8⁠ Podcasts: ⁠https://bit.ly/3RQftU0⁠ Connect with Gary Brecka Instagram: ⁠https://bit.ly/3RPpnFs⁠ TikTok: ⁠https://bit.ly/4coJ8fo⁠X: ⁠https://bit.ly/3Opc8tf⁠ Facebook: ⁠https://bit.ly/464VA1H⁠ LinkedIn: ⁠https://bit.ly/4hH7Ri2⁠ Website: ⁠https://bit.ly/4eLDbdU⁠ Merch: ⁠https://bit.ly/4aBpOM1⁠ Newsletter: ⁠https://bit.ly/47ejrws⁠ Ask Gary: ⁠https://bit.ly/3PEAJuG⁠ Timestamps 00:00 - ​Intro of Show 00:58 - From disaster remediation to air quality 04:25 - Why cleaned homes get contaminated again 06:13 - The problem with store-bought air purifiers 09:41 - California wildfires and vaporized toxins 11:10 - Activated carbon, VOCs, and filter lifespan 14:38 - Homes built like Tupperware containers 16:17 - CO2 spikes from dinner parties 17:33 - ERVs, HRVs, and letting your home breathe 19:57 - Mold, mycotoxins, and the Miami problem 20:51 - The mold testing gold rush and false results 24:53 - You can't heal in the place that made you sick 27:44 - Air quality, cognition, and SAT scores 29:41 - Kids' sore throats and hidden mold 31:19 - Where to place a purifier in your home 33:41 - Range hoods that vent nowhere 36:36 - Bathroom fans, carpets, and deep-clean vacuums 39:35 - Indoor air is 10x dirtier than outdoor air 41:00 - Shoes, glyphosate, and filtered water 42:35 - Fragrances and the Uber air freshener 45:06 - Processed food, GLP-1, and nutrient density 48:18 - What PM 2.5 does inside your body 51:00 - Rebranding sleep as healing time 52:30 - Babies, cribs, and diaper pails 54:32 - Nursery tips for expecting parents 57:00 - The 150-person sleep study results 1:00:50 - Why HEPA ratings are misleading 1:03:09 - Air, water, and lighting as the priorities 1:04:47 - The Austin school clean-air experiment  Disclaimer: This podcast is for informational purposes only and does not provide medical advice. It is not intended for diagnosing or treating any health condition. Always consult a licensed healthcare professional before making health or wellness decisions.  Gary Brecka is the owner of Ultimate Human, LLC which operates The Ultimate Human podcast and promotes certain third-party products used by Gary Brecka in his personal health and wellness protocols and daily life and for which Ultimate Human LLC and / or Gary Brecka directly or indirectly holds an economic interest or receives compensation.  Accordingly, statements made by Gary Brecka and others (including on The Ultimate Human podcast) may be considered promotional in nature. Learn more about your ad choices. Visit megaphone.fm/adchoices

7.27.2026 #RolandMartinUnfiltered: Haitians Face TPS Deadline. 1,000 Marches to the Polls Launch. Howard Freshmen Get Help After today, thousands of Haitian immigrants will be in the United States legally after their temporary protection status ends. The question is what they will face when they return to the Caribbean island that armed gangs have taken over. Early voting in Georgia's special election to fill the late U.S. Rep. David Scott's seat in the 13th Congressional District hasn't been good. Reports indicate less than 2-percent have voted so far. It's Moral Monday Public Pulpit, and it's the launch of the 100 Days of Mobilization and 1,000 Marches to the Polls across all 50 states and D.C. We'll have some of that rally live. Federal judges deny an injunction to block Tennessee's GOP-favored congressional map that splits a majority-Black district in Memphis. Wisconsin voters sue to allow for a vote to count if an absentee ballot is late. And colleges in D.C. and New York are stepping up to help the hundreds of disenrolled Howard University incoming freshmen. Black Star Network Partner: Chapter Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. ____ Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

7.24.2026 #RolandMartinUnfiltered: Madison Cop Shoots Black Man 3 Times. Black Teen Sues Over False Gun Claim. Mace Targets CBC_ The mother of a Black Wisconsin man shot three times by a Madison police officer speaks out for the first time. You'll hear what she had to say, and we'll talk with a city council member about the protests in a city on the brink of unrest. A Black Indiana teen who was falsely accused of pointing a gun at a white police officer is suing her and the city of Indianapolis. We'll talk to his attorney about the case. Louisiana Congressman Cleo Fields is not running for re-election but is seeking his old state senate seat. It's being called A Modern-Day Civil Rights March to Save Democracy. We'll talk to a couple of activists involved in the 1,000 Miles to Memphis, 36-day mission to register 100,000 voters. Bill O'Reilly and Geraldo Rivera clashed over who won the 2020 election. Racist Nancy Mace is targeting Congressional Caucus groups like the Congressional Black Caucus. We'll also talk with the founder of an organization that is assisting dis-enrolled incoming freshmen at Howard University. Black Star Network Partner: Chapter Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. ____ Download the Black Star Network app at http://www.blackstarnetwork.com! We're on iOS, AppleTV, Android, AndroidTV, Roku, FireTV, XBox and SamsungTV. The #BlackStarNetwork is a news reporting platform covered under Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for "fair use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research.See omnystudio.com/listener for privacy information.

Chris Watts' alleged second mistress is now giving a much fuller account. Amanda McMahon claims the relationship started earlier and lasted longer than she told police. But the texts remain unverified, Watts denied knowing her, and the DA has not publicly commented. Scott breaks down what matters legally—and what is still just an allegation. Watch to the end and tell us: does this change anything, or just expose more chaos? #ChrisWatts, #AmandaMcMahon, #CrimeTalk, #TrueCrime, #LegalAnalysis, #ColoradoCrime

Pat Fitzmaurice and Bo McBrayer recap The 3M Open before exploring the top betting strategies for The Rocket Classic We dive into the betting odds, analyze the favorites and long shots, and reveal our top betting card selections to help you maximize your winnings as the 2026 PGA season rolls on! Timestamps: (May be off due to ads) Intro - 0:00:00 3M Open Recap - 0:00:11 Rocket Classic Preview - 0:04:09 BettingPros App - 0:08:29 The Favorites - 0:09:38 Mid-Range Options - 0:14:53 The Long Shots - 0:18:28 Hard Rock Bet of the Week - 0:23:10 Betting Cards - 0:26:06 One-and-Done Picks - 0:27:24 Outro - 0:27:58 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros App⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Make winning bets with advice and picks from top sports betting experts. The BettingPros app puts consensus and expert-driven sports betting advice at your fingertips to help you pinpoint the best odds and make winning bets. Download it today on the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠App Store⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Google Play⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Looking to up your game in sports betting? Join our exclusive sports betting Discord community at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/chat⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! Not only can you connect with expert handicappers who provide free picks for NBA, NFL, MLB, NHL, player props, live betting, and more, but now you can also participate in our weekly community picks. Cast your vote, see how your picks stack up against the experts, and track your success! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BettingPros Pick Tracker⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ – Want to track all of your wagers in one place? Check out the BettingPros Pick Tracker. It syncs up with your sportsbooks to tally which picks hit, and which miss AND gives you a live look at what the public is doing so you can use real-time tracking to determine which plays to make, and which to fade: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠bettingpros.com/pick-tracking⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠See omnystudio.com/listener for privacy information.

President Trump's Executive Order 14,399, “Ensuring Citizenship Verification and Integrity in Federal Elections” is designed to stop the rampant fraud made efficient by states using universal mail-in ballots—particularly by the mailing (and return) of ballots to persons not legally eligible to vote, such as aliens legal and illegal, persons no longer living in a state, and even dead people. Naturally, the Progressive Fascist Democrats whose political power is based entirely on just these kinds of voting fraud see Trump's efforts as an existential political threat, and so are leveraging their only tool of political power—the unelected, black-robed, tyrannical, inferior, federal district trial court judges—to try to maintain their ability to steal elections by stopping Trump's efforts to stop mail-in ballot fraud. Sure enough, a federal judge came through for the Democrats and issued a remarkable injunction against Trump's executive order, in an effort to delay it's effect past this November's mid-term elections.Now the great and powerful White House Solicitor General John Sauer has appealed the injunction to the US Supreme Court, and I'll be breaking down that argument for all of us in today's show. Join me LIVE at 10 AM ET as I break it all down!Clarence Thomas x 9: Perfect SCOTUS Mugs! https://tinyurl.com/k778wj2kFor complete Medicare guidance, dial (617) 644-0093 to speak with my trusted partner, Chapter.All @TheBrancaShow mugs & MORE! https://tinyurl.com/k778wj2kJOIN OUR COMMUNITY! Exclusive Members-only content & perks! Only ~17 cents/day! $5/month! YouTube: https://tinyurl.com/hn32rfz9 Locals: https://tinyurl.com/yck4w9kfFOUNDING FATHERS SPEED DIAL: Founding Fathers SPEED DIAL: https://tinyurl.com/3f7pc8nzEpisode #1396.Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Most business owners run their company like a business — and their household like an afterthought. I sat down with Eric Miller, co-founder of Econologics Financial Advisors. Here are 3 things that stuck with me: 1. Your household is the parent company. Everything else is a subsidiary. 2. You're probably operating on the wrong number. 3. Do it now. Planning doesn't have to be a big event. -- Eric Miller is a seasoned financial planning professional with over 20 years of experience dedicated to empowering private practice owners and associates. As Co-Owner and Chief Financial Advisor of Econologics Financial Advisors, LLC, a Registered Investment Advisor, Eric specializes in strategic financial planning, including investments, retirement, asset protection, tax strategies, debt elimination, and business transition planning. A Registered Financial Consultant® (RFC) and graduate of Capital University, Eric is also a prolific author and speaker and has published countless articles, videos, and podcasts and is the bestselling author of How to Become a Financial Beast. He has presented at hundreds of events nationwide, and weekly hosts the Financial Beast Podcast. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Eric Miller: Website: www.econologicsfinancialadvisors.com YouTube: https://www.youtube.com/c/FinancialBeast  LinkedIn: www.linkedin.com/in/ericisyourbfff   Facebook: www.facebook.com/econologicsfinancial       *E - explicit language may be used in this podcast.  

Most business owners run their company like a business — and their household like an afterthought. I sat down with Eric Miller, co-founder of Econologics Financial Advisors. Here are 3 things that stuck with me: 1. Your household is the parent company. Everything else is a subsidiary. 2. You're probably operating on the wrong number. 3. Do it now. Planning doesn't have to be a big event. -- Eric Miller is a seasoned financial planning professional with over 20 years of experience dedicated to empowering private practice owners and associates. As Co-Owner and Chief Financial Advisor of Econologics Financial Advisors, LLC, a Registered Investment Advisor, Eric specializes in strategic financial planning, including investments, retirement, asset protection, tax strategies, debt elimination, and business transition planning. A Registered Financial Consultant® (RFC) and graduate of Capital University, Eric is also a prolific author and speaker and has published countless articles, videos, and podcasts and is the bestselling author of How to Become a Financial Beast. He has presented at hundreds of events nationwide, and weekly hosts the Financial Beast Podcast. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon's Book: The Think Big Movement: Grow your business big. Very Big! Connect with Eric Miller: Website: www.econologicsfinancialadvisors.com YouTube: https://www.youtube.com/c/FinancialBeast  LinkedIn: www.linkedin.com/in/ericisyourbfff   Facebook: www.facebook.com/econologicsfinancial       *E - explicit language may be used in this podcast.  

Join Dustin's Inner Circle Mastermind by applying here: https://masterpassiveincome.com/mastermindGet my real estate investing course for free! https://masterpassiveincome.com/freecourseJoin Dustin Heiner's 1on1 Real Estate Investor Coaching: https://masterpassiveincome.com/coachingListeners get a special 20% OFF IncomeBuilder.io with the code: podcastYou can also get the discount with this link: https://masterpassiveincome.com/ibpodcast//BEST REAL ESTATE INVESTING RESOURCE LINKSStart your LLC for FREE! https://masterpassiveincome.com/formanllcGreat High Interest Savings Account: https://masterpassiveincome.com/citGet your business bank account here: https://masterpassiveincome.com/baselaneGet your business credit card with 2% Cash Back with NO FEE! https://masterpassiveincome.com/amexLearn more about Dustin Heiner and find resources to build an automatic real estate investing business: https://masterpassiveincome.com/Links referenced in this episode:masterpassiveincome.com/freecourseLinks referenced in this episode:incomebuildermasterpassiveincomeincomebuilder33777masterpassiveincome.com/freecourseCompanies mentioned in this episode:Master Passive IncomeIncome BuilderCalendlyGoogle DriveDropboxfinancial independence, quit your job, investing in real estate, rental properties, income builder software, real estate investing tips, build passive income, financial freedom, real estate coaching, analyze rental properties, property management, off market deals, real estate portfolio management, tax season real estate, bookkeeping for investors, multifamily properties, cash flow analysis, real estate investment strategies, property analysis software, Master Passive Income Podcast

In this Tax Tuesday episode, Anderson Advisors' Barley Bowler, CPA, and Eliot Thomas, Esq., answer listener questions covering entity structuring, real estate tax planning, investing, and charitable giving strategies. They explain when it makes sense to form an LLC or S Corporation for a real estate flipping business and whether new investors should wait until after closing their first deal. They also discuss how profits earned inside an LLC trading stocks and stock options are taxed, and whether leaving funds in a brokerage account changes the tax treatment. Barley and Eliot break down whether a cost segregation study makes sense for a long-held commercial property undergoing significant capital improvements, and how that decision compares to selling the property, completing a 1031 exchange, and performing a cost segregation study on replacement assets. They also explore tax-efficient charitable giving strategies, including ways to contribute appreciated assets or funds designated for charity while minimizing capital gains taxes. Tune in for practical guidance on these tax-saving strategies and more! Submit your tax question to taxtuesday@andersonadvisors.com Resources Claim Your FREE 45-minute Strategy Session to receive business planning tips and asset protection.

Every fantasy football draft has a few running back battles that determine league-winning value, and these are the biggest ones heading into 2026. Ryan Wormeli and Tera Roberts break down the most important NFL backfields for fantasy managers, including the Patriots, Steelers, Jaguars, Broncos, Commanders, Buccaneers, and Seahawks. They discuss which backs offer league-winning upside, which committees should be avoided, and where the best draft values can be found before ADPs change. Timestamps: (May be off due to ads) Intro - 0:00:00 New England Patriots - 0:01:14 FP Premium Giveaway Promo - 0:08:27 Pittsburgh Steelers - 0:08:53 Jacksonville Jaguars - 0:15:48 FantasyPros Draft Simulator - 0:22:58 Denver Broncos - 0:23:22 Washington Commanders - 0:31:38 Tampa Bay Buccaneers - 0:39:58 Hard Rock Bet - 0:45:00 Seattle Seahawks - 0:46:55 Outro - 0:56:30 Helpful Links: Hard Rock Bet - Sign up for Hard Rock Bet and make a $5 bet and you'll get $150 in bonus bets if you win. Head over to Hard Rock Bet, sign up and make your first deposit today. Payable in bonus bet(s). Not a cash offer. Offered by the Seminole Tribe of Florida in FL. Offered by Seminole Hard Rock Digital, LLC, in all other states. Must be 21+ and physically present in AZ, CO, FL, IL, IN, NJ, OH, TN or VA to play. Terms and conditions apply. Concerned about gambling? In FL, call 1-888-ADMIT-IT. In IN, if you or someone you know has a gambling problem and wants help, call 1-800-9-WITH-IT. GAMBLING PROBLEM? CALL 1-800-GAMBLER (AZ, CO, IL, NJ, OH, TN, VA) Draft Wizard - Dominate your fantasy football draft with Draft Wizard. Run fast mock drafts, test different strategies, build custom cheat sheets, get pick-by-pick draft advice, and learn your leaguemates' tendencies before draft day. Just download the FantasyPros App or head to fantasypros.com/draftwizard Follow us on Twitch - The team here at FantasyPros is taking questions all week, every week on Twitch. Follow us on Twitch at twitch.tv/fantasypros and never miss a stream! Discord – Join our FantasyPros Discord Community! Chat with other fans and get access to exclusive AMAs that wind up on our podcast feed. Come get your questions answered and BE ON THE SHOW at fantasypros.com/chat Leave a Review – If you enjoy our show and find our insight to be valuable, we’d love to hear from you! Your reviews fuel our passion and help us tailor content specifically for YOU. Head to Apple Podcasts, Spotify, or wherever else you get your podcasts and leave an honest review. Let’s make this show the ultimate destination for fantasy football enthusiasts like us. Thank you for watching and for showing your support – https://fantasypros.com/review/ BettingPros Podcast – For advice on the best picks and props across both the NFL and college football each and every week, check out the BettingPros Podcast at bettingpros.com/podcast, our BettingPros YouTube channel at youtube.com/bettingpros, or wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

Nixonmaxxing is the new trend among young MAGA conservatives. Is Nixon in and Reagan out? The rise of “NixonMaxxing” isn’t just nostalgia—it’s a warning about where America’s youngest conservatives think the country is headed. Plus, excerpts from my debates with Andrew Wilson on Israel and Destiny on Trump. (1:53) Nixonmaxxing Explained(5:42) Nixon's China Gambit(9:12) Nixon vs Reagan Anecdote(13:06) Nixon's Enduring Paranoia(19:19) Debating Trump's Iran War(22:49) Obama's Iran Deal Dispute(24:42) Election Fraud Claims Debated(29:21) Dinesh's Case For Israel(35:42) Israel's Secular State Rebuttal(44:16) Gaming Out Israel's Collapse(48:07) Islam's View Of Infidels(54:02) Guest Intro: Jonathan Rose(58:13) Trump and Bitcoin Adoption If you’re tired of broken healthcare you need to choose the right pharmacy. Check them out at allfamilypharmacy.com/dinesh and use code DINESH10 to save 10% off your next order. Leave the old “buy and hold” crypto strategy behind at https://DineshCrypto.com ! Purchase crypto with military grade encryption and American customer service. Hundreds of crypto holders have saved MILLIONS thanks to BlockTrustIRA’s Animus AI. Visit https://DineshCrypto.com and receive up to $2,500 in FREE bonus crypto! America has nearly 39 trillion dollars in debt! Are you protected from this pending disaster? Go to http://DineshGold.com and get up to 10% in bonus gold or silver. I’m on substack! Check out what I have to say here: https://dineshdsouza.substack.com/ For free and unbiased Medicare help, dial (706) 262-4774 to speak with my trusted partner, Chapter, or go to https://askchapter.org/dinesh" Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Dinesh D'Souza is an author and filmmaker. A graduate of Dartmouth College, he was a senior domestic policy analyst in the Reagan administration. He also served as a research fellow at the American Enterprise Institute and the Hoover Institution at Stanford University. He is the author of many bestselling books, including "Illiberal Education," "What's So Great About Christianity," "America: Imagine a World Without Her," "The Roots of Obama's Rage," "Death of a Nation," and "United States of Socialism." His documentary films "2016: Obama's America," "America," "Hillary's America," "Death of a Nation," and "Trump Card" are among the highest-grossing political documentaries of all time. He and his wife Debbie are also executive producers of the acclaimed feature film "Infidel." — Want to connect with Dinesh D'Souza online for more hard-hitting analysis of current events in America? Here’s how: Get Dinesh unfiltered, uncensored and unchained on Locals: https://dinesh.locals.com/ Facebook: https://www.facebook.com/dsouzadinesh Twitter: https://twitter.com/dineshdsouza Rumble: https://rumble.com/dineshdsouza Instagram: https://www.instagram.com/dineshjdsouzaSee omnystudio.com/listener for privacy information.

MeidasTouch host Ben Meiselas reports on Donald Trump losing it as the MAGA movement is finally over and Meiselas shares the latest information on the end of MAGA. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn. Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. 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

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Most people think tax strategy is the starting point. It's not. It's the final layer that sits on top of a life you actually want to live.In this episode, Ari Taublieb, CFP®, responds to a listener with over $3 million across pre-tax, Roth, and brokerage accounts, plus a pension and future Social Security. On paper, everything looks optimized. In reality, he's stuck on a question that keeps a lot of high savers from moving forward.Should he use his brokerage account for income, for tax strategies, or to fund Roth conversions?The answer is not as simple as picking the most tax-efficient move. In fact, focusing on taxes first can lead to the wrong outcome entirely. Ari walks through why having too much income later in life can create a “tax bomb,” how required minimum distributions change the equation, and why Roth conversions can make sense when future tax rates are likely higher.But the real takeaway has nothing to do with spreadsheets.Before deciding on conversions, withdrawal strategies, or tax brackets, the first question is much simpler. How much do you actually want to spend? Without that clarity, even the best tax plan can lead to regret. With it, the right strategy becomes much easier to see.Because the goal is not to minimize taxes at all costs. The goal is to use your money in a way that actually improves your life while you still have the time and energy to enjoy it.--Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.Create Your Custom Early Retirement Strategy HereGet access to the same software I use for my clients and join the Early Retirement Academy hereAri Taublieb, CFP ®, MBA  is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.

In this special episode of Blast Points we are thrilled to bring you Jason taking part in a roundtable interview with some of the creators of The Ninth Jedi series, supervising director Kenji Kamiyama, director Shunsuke Tada and producer Hitoshi Ito. Listen as Jason and other awesome Star Wars podcasters and friends ask about how the show developed from the shorts seen in Visions and so much more. Celebrate the love and listen today! JOIN THE BLAST POINTS ARMY and SUPPORT BLAST POINTS ON PATREON! MANDALORIAN SEASON 3 BOBA FETT BEACH PARTY COMMENTARY! NEW ANDOR SEASON 2 EPISODE COMMENTARIES! HEAR EPISODES EARLY! Theme Music! downloadable tunes from episodes! Extra goodies! and so much MORE! www.patreon.com/blastpoints If you dug the show, please leave BLAST POINTS a review on iTunes, Spotify and share the show with friends! If you leave an iTunes review, we will read it on a future episode! Honestly! Talk to Blast Points on twitter at @blast_points "Like" Blast Points on Facebook Join the Blast Points Super Star Wars Chill Group here www.facebook.com/groups/BlastPointsGroup/ we are also on Instagram! Wow! www.instagram.com/blastpoints Your hosts are Jason Gibner & Gabe Bott! contact BLAST POINTS at : contact@blastpointspodcast.com May the Force be with you, always! This podcast is not affiliated in any way with Lucasfilm Ltd. LLC, The Walt Disney Company, or any of their affiliates or subsidiaries.

Chris Rose and Trevor Plouffe discuss the hottest stories in baseball Monday through Friday!   Thanks to our partners at T-Mobile for sponsoring today's episode.   This episode is brought to you by Samuel Adams.  https://www.samueladams.com/cheers-to-250   Protect your family with life insurance from Ethos. Get up to $3 million in coverage in as little as 10 minutes at https://ethos.com/baseballtoday. Application times may vary. Rates may vary.   https://fanaticsmarkets.onelink.me/3MFw?pid=jomboy&af_dp=fanmarkets%3A%2F%2Fhomepage&af_channel=partnerships&c=jomboy_fmx&af_ad=youtube&af_web_dp=https%3A%2F%2Ffanaticsmarkets.com%2F%3Fpid%3Djomboy%26c%3Djomboy_fmx%26af_ad%3Dyoutube%26utm_source%3Djomboy%26utm_medium%3Dreferral%26utm_campaign%3Djomboy_fmx%26utm_content%3Dyoutube   Event contracts carry risk of total loss and changing prices. Not good  for all investors. Not available in all states. Must be 21+. See Important Disclosures in Fanatics Markets app. Customers are introduced to Crypto.com by Paragon Global Markets, LLC, d/b/a Fanatics Markets IB, an Introducing Broker registered with the CFTC and a Member of the NFA.   Shop your favorite gear from the Jomboy Media store. Click here to shop today! https://shop.jomboymedia.com/   00:00 INTRO 04:10 Red Sox and Nationals make our first big trade! 14:03 What should the Dodgers trade deadline plans be? 26:00 Will all three be traded? 36:05 Byron Buxton/Phillies rumor 43:30 Quick hitters 54:57 OUTRO   Follow us on X/Instagram: @ChrisRoseSports   Chris Rose on X/Instagram: @ChrisRose   Trevor Plouffe on X/Instagram @TrevorPlouffe   Follow all of our content on https://jomboymedia.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.