Tom welcomes Jaime Carrasco of Canaccord Genuity back to the show. Jaime expected inflation as the marginal usefulness of excessive debt has declined. There is plenty of evidence from our debt-based system that a currency reset is coming. Governments taking on the debts of banks was evidence that some sort of currency reset is in the cards. Global trade patterns are rapidly shifting, and gold is part of that equation. It's clear that taxpayers are placed on the hook for the actions and debts of government. Politics and central bankers are all interconnected. The rest of the world is beginning to understand why they need out of this system. The long-term picture for commodities shows just how muted gold has become lately. We see that nearly everything has gone up in price. Gold should currently be sitting around three thousand based on inflation. We don't have the supply of commodities in the West to maintain low prices. Central banks remain buyers of gold while telling the public it's a pet rock. The rest of the world has realized that Russia as a large energy provider is capable of backing its currency with oil. This will allow China, India and Russia to trade outside the dollar system. Much of the world, including Latin America, is lining up behind the China and India. Today, the bulk of copper produced in Chile is exported to China. Chile will likely switch soon to alternatives to the dollar. We're witnessing an enormous power shift towards the East. The age of cheap stuff from Asia is now over. We're going to have to start building up our own industries. This will come with the cost of inflation, having to unwind all the debts. When gold inevitably becomes unpegged, we will see a rapid change in the price. This is because of the huge imbalances, and there will be a rush to buy. This is why you should already be in the lifeboat and wait patiently. Time Stamp References:0:00 - Introduction0:58 - Two Themes3:52 - Fed & Politics6:40 - Gold, Inflation & Ruble22:25 - Europe, Winter is Coming23:53 - Gold & Global Trust25:48 - Long-Term Planners28:30 - Reverse Repos31:22 - Equity Market Risks33:50 - Japanese Yen & Gold36:53 - Inflation Adjustments38:58 - Two Portfolios43:15 - 2022 Fall Outlook48:49 - Rebalancing Portfolios50:57 - PDAC Mining Conference53:46 - Gold Allocations56:38 - Canada & US Thoughts1:00:24 - Wrap Up Talking Points From This Episode Inflation and global trade patterns are rapidly shifting.Gold suppression and where price must eventually reach.Movement towards an Eastern currency system that is oil backed.Why the era of cheap foreign goods is ending. Guest Links:Twitter: https://twitter.com/IJCarrascoLinkedIn: https://www.linkedin.com/in/carrasco1/Website: Canaccord Genuity https://www.canaccordgenuity.com/Mining Conference: https://www.pdac.ca Jaime Carrasco is portfolio manager at Canaccord Genuity Inc. in Toronto. From 2014-2018, he worked as Director of Wealth Management and Associate Portfolio Manager for Scotia McLeod. Before this, he worked for Macquarie Group, CIBC Wood Gundy, BMO Nesbitt Burns, Gordon Capital, and Merrill Lynch. Jaime is a leading Canadian investment professional with 25 years of experience providing wealth management and investment counsel to affluent families, businesses, and institutions. He has garnered a reputation for questioning and challenging the status quo and exploring the most innovative investment strategies. Jaime, whose mother tongue is Spanish, also speaks Italian and French. He completed a BA in political science and economics at the University of Toronto in 1988. While a student, he worked for CS Yacht, a company that built luxury sailboats, thus spending his summers as a skipper for the Canadian establishment members. Jaime credits this experience and having survived sailing through Hurricane Bob in 1991. This experience taught him lessons that have become a metaphor for his financial investment strategies.
Ageism is pervasive. Just take a look at the ageist messages on many birthday cards. And you won't see many anti-ageist ones. In preparing for her second act, our guest has created an age-positive alternative at Age-Friendly Vibes. Listen to her story. Jan Golden joins us from Denver. _____________________ Have comments or feedback on this episode – or on the podcast overall? Or have a question you'd like me to address in an upcoming episode? Click here to leave a Voice Message. ___________________ Bio Jan Golden is winding down her career as a web developer and iPhone trainer, and ramping up her dream job; creating a stationery business. During COVID, inspired by a greeting card contest for Changing the Narrative, she used my graphic design skills, tech skills, and creativity to create a line of age-friendly greeting cards. The result? She learned I absolutely love designing and making cards! The best part is seeing the reaction to the age-positive sentiments she put out there in the world. Knowing that she may have a small part in celebrating, instead of dreading, a birthday is heart-warming. _________________________ For More on Jan Golden Age-Friendly Vibes _________________________ Podcast Episodes You May Like Ageism Unmasked – Dr. Tracey Gendron Breaking the Age Code – Dr. Becca Levy Make a Career Change with Purpose Top of Mind – Chris Farrell How Seniors Are Saving the World With Activism – Thelma Reese ________________________ Wise Quotes On Ageism "Ageist messages are harmful because when they get stuck in our head, we start to make excuses for not doing things in life because we think we're too old. So we start to [create] a self-fulfilled prophecy. We stop trying new things. We try stop being as physically active, we become more isolated. And there's recent studies that show that your mindset about aging can impact your lifespan by up to seven and a half years. So it's some of those types of new research that's that has always made sense to me. That makes me really want to stand up and say, let's just stop and think about some of these ageist messages that we're seeing every day." On Taking a Stand Against Ageism "On your birthday, age is kind of the elephant in the room, right? But it doesn't need to be a message of, of decline, depression and dementia. it can be one of celebration. There's definitely things that our body physically goes through and changes as we age. We have to adapt. But they're not all negative and they don't need to be perceived as negative. It's the anti-aging industry and our culture that makes that youth obsession so prevalent. But I feel like as the older adult population is healthier, living longer, and we're standing up for it. We're not taking it anymore. So that's why I think my messages resonate pretty deeply with a lot of people." _______________________ About Retirement Wisdom Take charge of your future. Schedule a call to find how how the Designing Your Life process (developed by Bill Burnett & Dave Evans at Stanford) can help you unlock a new direction – on your own terms. How well prepared are you for the non-financial side of retirement? Take our free quiz and see what you should be preparing for in your retirement planning. ___________________________ About Your Host Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. If you're thinking about retirement, you'll also need to be planning for longevity. That's why Joe returned to school, earning a Masters in Gerontology from the University of Southern California.Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners,
Kevin Diestel is a Partner at Sapphire Ventures, a venture capital firm that primarily invests in Series B technology companies. Before moving into private equity Kevin worked as an Analyst for Merrill Lynch. After two years working for the Investment Bank Kevin began working for Shamrock Capital Advisors, a Los Angeles-based private equity firm. During his time there he was responsible for evaluating investments in the media, entertainment and communications sectors. Having joined Sapphire in 2012 Kevin now focuses his time primarily on innovative consumer businesses and vertical software applications. Kevin holds a board seat at a number of companies including Culture Amp, Current, Degreed, project44, and Sun Basket. In this episode Kevin starts off by explaining his role at Sapphire Ventures, his approach to investing and how he and his team deal with downturns in performance. Kevin also goes on to detail how he strikes a balance between intuition and data when investing. Finally James and Hector quiz Kevin on how he avoids bias during the decision making process and what the ultimate goal is for his career. Make sure to like and subscribe to the Riding Unicorns podcast to never miss an episode. Also don't forget to give Riding Unicorns a follow on Twitter and LinkedIn to keep on top of the latest developments.
We welcome YOU back to America's leading higher education podcast, The EdUp Experience! It's YOUR time to #EdUp In this episode, President Series #159, YOUR guest is Scott Shaw, Chief Executive Officer & President of Lincoln Tech, YOUR guest cohost is Dr. Bill Pepicello, YOUR host is Dr. Joe Sallustio, & YOUR sponsor is LeadSquared! What is the Lincoln Edge & how does it prepare students to be successful in life & the workforce? Listen in to #EdUp! Prior to taking the position of President & Chief Executive Officer, Mr. Shaw served in the positions of President & Chief Operating Officer, Executive Vice President & Chief Administrative Officer & Senior Vice President of Strategic Planning & Business Development of the Company. Prior to joining Lincoln, Mr. Shaw was a partner at Stonington Partners, Inc., where he had been since 1994. As a partner at Stonington, Mr. Shaw was responsible for identifying, evaluating & acquiring companies & then assisting in the oversight of these companies through participation on the board of directors of acquired companies. In addition, Mr. Shaw worked closely with senior management to develop long-term strategic plans, to evaluate acquisitions & new investment opportunities, to assist with refinancing, & to execute on the final sale of the company either to the public or to another company. Mr. Shaw also served as a consultant to Merrill Lynch Capital Partners Inc., a private investment firm associated with Merrill Lynch & Co., Inc., from 1994 through 2000. Mr. Shaw holds an M.B.A. from the Wharton School of Business & a B.A. from Duke University. His extensive financial & business management experience provides the board a unique perspective on the issues facing companies in our industry. Thank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp! Connect with YOUR EdUp Team - Elvin Freytes & Dr. Joe Sallustio ● Join YOUR EdUp community at The EdUp Experience! We make education YOUR business! --- Send in a voice message: https://anchor.fm/edup/message
Gil was born and raised in Philadelphia. He attended Penn State University where he was a member of Sigma Pi Fraternity and played club rugby. He relocated to Michigan nine years ago. He resides in Royal Oak. In his free time, he enjoys playing hockey and baseball, traveling, staying active, stand-up comedy and cooking. He has been a football coach for over a decade and started coaching his nephew in youth football in Rochester Hills. He is currently an assistant coach of football at Cranbrook High School coaching the varsity defensive line for the past four years. Gil likes the employee benefits role because it allows him to help small to mid-size businesses Prior to joining USI, Gil Bromley worked in the financial field as a wholesaler for over a decade at such firms as Vision 4 Fund Distributors, Lincoln Financial Insurance, Principal Financial Group, and Rock Harbor Partners. His role was distributing Long Term Care, 401k Plans, ESOP Plan, Deferred Compensation Plans, Defined Benefit Plans and Mutual Funds to wire house advisors and independent advisors at firms like Merrill Lynch, Morgan Stanley and Edward Jones in the state of Michigan.Learn More: http://www.usi.com At Inspire Wealth, we believe everyone should be able to live the retirement they've always wanted. Your financial situation is different from that of your parents, your neighbors, and even your closest friends, so a cookie-cutter approach isn't going to cut it. We can work with you to create a retirement strategy that fits your unique retirement needs — a strategy designed to get you to your goals. When you have concerns about things like how long your money will last or what will happen if you pass away before your spouse, we can help you answer those questions, too!Learn More: https://inspireyourretirement.com/The Inspired Business Leaders Podcasthttps://businessinnovatorsradio.com/the-inspired-business-leaders-podcast/Source: https://businessinnovatorsradio.com/ep-1-interview-with-gil-bromley-employee-benefits-specialist-with-usi-with-nick-bour-founder-of-inspired-wealth
Mathieu Chabran is Co-founder of Tikehau Capital, a global alternative asset manager with over 30 Billion USD in Assets under Management. Previously, he worked in the Real Estate Debt Market team of Deutsche Bank in London. He began his career at Merrill Lynch, firstly in Paris within the Principal Investment team, then in London, in the High Yield Capital Market department. He received his education from ESCP Europe. This episode is about Mathieu's journey as a founder to scaling his alternative investment asset management company across the global. We talk about Private Debt, Real Assets, Private Equity, and Capital Markets Strategy. We cover the importance of people and culture and the effects of covid on the business. And of course we talk about the requirements to grow as an employee and climb the ranks.
Do you want to retire happy? One trap in retirement planning is to think of retirement as one thing, a singular phase of life. It's not. Things evolve and change. Dr. Riley Moynes has developed a useful framework of the Four Phases of Retirement that can help you plan for a satisfying retirement. And you'll want to hear what phase most retirees get stuck in - and how to progress to the fourth phase where the happiest retirees live. Riley Moynes joins us from Ontario. ________________________ NEW Have comments or feedback on this episode - or the podcast overall? Have a question you'd like me to address in an upcoming episode? Click here to leave a Voice Message. I'd love to hear from you. _________________________ Bio Dr Riley Moines is the author of The Four Phases of Retirement: What to Expect When You're Retiring. During his varied career Dr. Riley Moynes has worked as an administrator, advisor, author, consultant, educator, entrepreneur, mentor, publisher, and researcher. He waltzed through Phase One of his retirement, struggled through Phase Two, tried a dozen ventures in Phase Three and now in Phase Four helps entrepreneurs polish, package, and publish their unique stories in their niche markets. ________________________ For More on Dr. Riley Moynes The Four Phases of Retirement: What to Expect When You're Retiring Website: thefourphases.com TEDx: The Four Phases of Retirement ________________________ Podcast Episodes You May Like When Will You Flip the Switch? – Dr. Barbara O'Neill What Are The Keys To A Successful Retirement? Fritz Gilbert Why Retirement is About Much More Than Money – Ted Kaufman & Bruce Hiland Do Your Retirement Strategies Account for 6 Stages? – Ted Carr ________________________ Wise Quotes On Phase 4 Retirement "...only about 50 to 60% of retirees break through to Phase Four. Not everyone gets there. But those who are able to break through to Phase Four are some of the happiest, most productive, satisfied, and gratified people t I have ever met. Phase Four is when we rewire and find something new that really, really hits us and that we just squeeze all the juice out." On Planning Ahead for Retirement "...be thinking ahead of what are some of their strengths, what are some of the things that they love to do and to be considering ways, well before they retire, that they might be able to apply those things when they do retire. And so to be able to have kind of a network that they might have built up or to look at some at some possibilities in advance, I think is extremely helpful." __________________________ About Retirement Wisdom Take charge of your future. Schedule a call to find how how the Designing Your Life process (developed by Bill Burnett & Dave Evans at Stanford) can help you unlock a new direction – on your own terms. How well prepared are you for the non-financial side of retirement? Take our free quiz and see what you should be preparing for in your retirement planning. ___________________________ About Your Host Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. If you're thinking about retirement, you'll also need to be planning for longevity. That's why Joe returned to school, earning a Masters in Gerontology from the University of Southern California.Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1.5 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. Joe is the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy coming this summer.
It seems natural that the most skilled and talented managers should be able to outperform on a consistent basis. In reality, the data doesn't support this and it actually shows the opposite. In public markets, persistence, or the ability of the best to stay the best, just isn't shown in the evidence. If the fund managers with all their large payrolls, research, and connections can't reliably outperform then the advisors picking stocks in their client accounts are at an even bigger disadvantage. Index returns have been an amazing wealth creator over the last 100 years but indexes also have inefficiencies and pitfalls than can be avoided to target higher expected returns. Systematically targeting and improving the indexes allows for a more reliable way to seek returns above the index for long-term investors. Have questions for an upcoming episode? Want to get free resources, book giveaways, and AWM gear? Want to hear about when we release new episodes? Text “insights” or the lightbulb emoji (
Eduardo Placer is in service to helping people tell their stories and live their truth in the world; and yet, he says, many of us confuse event-sharing with storytelling.A story doula, professional public speaking coach, and former professional performer, Eduardo is the founder of Fearless Communicators, a public speaking company that helps storytellers push past their fear of public speaking by embracing the courage of public sharing to make the greatest positive impact in their community. Eduardo has led workshops and spoken at places like HBO, Google, Bank of America, Merrill Lynch, Yale, The Juilliard School, the Wharton School of Business, the Muslim-Jewish Conference, and beyond.In our interview, Eduardo shares his personal and professional experiences as a storyteller, including…The heartbreaking but honest reason why Eduardo learned to “perform” or pretend that he was someone he wasn't, as a young personUnderstanding what brings most public speaking clients into his workshops: is it their fear, their healing, their ego, or something else?Why Eduardo says we ALWAYS need more, and new, stories (hint: it's because humans are not good at learning lessons from the past)Thank you so much to Eduardo for joining us on the podcast!If you enjoyed this episode, please rate and review our show wherever you listen—it helps others find and enjoy our show.Support our authors, our show, and local/independent bookstores at our Bookshop.org Affiliate Bookstore Send us questions, comments, and concerns, or nominate a guest at TheNewStory.Is/Podcast Riverside.fm: Record high-quality audio and video for your interviews, just like we doAcast: Publish your podcast the world over, with plans starting at $0/yr!Our theme song is by Coma Media Learn more about The New Story Company at TheNewStory.is Affiliate Disclosure: Our show is supported by listeners, including small commissions that we may earn through affiliate links. If you make a purchase after clicking an affiliate link, we may earn a small commission. This helps support the costs of our show's production and hosting. See acast.com/privacy for privacy and opt-out information.
Are you isolating yourself from change? Keeping your life at its status quo? If so, the quality of your life will gradually decline. Take advantage of the assets, resources, and knowledge of your friends to help you evolve. ----------------------------------------------- Welcome to Ever Better Today: the daily podcast for creating your optimal business, career, or overall life in ten minutes or less. I'm Lisa Conners Vogt, Executive and Leadership Coach and founder of Ever Better Coaching and Consulting. Let's jump in! ----------------------------------------------- Avoid the cost of not evolving from different perspectives… Business Adapt to changes or face extinction! For example, self-service in financial technology work has improved dramatically. Traditional brokerage firms like Merrill Lynch needed to adapt or sell. They sold to Bank of America and the brand name is being phased out. Cryptocurrency Understand the concepts behind crypto on a conversational level so that you can assess business trends. I disagree with those who say cryptocurrency and NFTs are just a fad. I believe that they are a part of Fintech that's here to stay. Fitness If you want to avoid becoming shorter, keep on exercising to stay fit. As we get older, our joints become less flexible and bones become more brittle unless we exercise! For several years I have been doing pilates, and lately, I found out that I'm taller than I used to be. It's also interesting to note that a man in his 60s whom I play pickleball with, still plays soccer for two hours a week with people in their 20s! He's still evolving! Social Dynamics I started reading more about racism and the impact that slavery had on social dynamics in our country after the death of George Floyd. One book that I highly recommend is White Rage: The Unspoken Truth of Our Racial Divide, by Carol Anderson. You can find other titles in my bookstore. ----------------------------------------------- To learn more about working with Ever Better, send me an email here or book a complimentary call with me here
My guest today is Jim Cullen, founder, CEO, and Portfolio Manager of Schafer Cullen Capital Management. His experience in the investment business spans over 50 years. Prior to founding the firm, Cullen was the Vice President at Donaldson, Lufkin & Jenrette. Previously to Donaldson, Cullen co-managed the New York Research, which specialized in low P/E research. He began his career at Merrill Lynch in 1965 and later worked for the research firm Spencer Trask & Company. He spent four years as a Navy Officer on the aircraft carrier USS Essex after receiving a B.S. in finance from Seton Hall University. The topic is his book The Case for Long-Term Value Investing: A Guide to the Data and Strategies That Drive Stock Market Success. In this episode of Trend Following Radio we discuss: 60 years on Wall Street How did Amazon come into existence with Walmart's dominance? October 2008 Millennials, the stock market, trading, and bitcoin The value perspective in Asian countries Real estate and Fed tightening Jump in! --- I'm MICHAEL COVEL, the host of TREND FOLLOWING RADIO, and I'm proud to have delivered 10+ million podcast listens since 2012. Investments, economics, psychology, politics, decision-making, human behavior, entrepreneurship and trend following are all passionately explored and debated on my show. To start? I'd like to give you a great piece of advice you can use in your life and trading journey… cut your losses! You will find much more about that philosophy here: https://www.trendfollowing.com/trend/ You can watch a free video here: https://www.trendfollowing.com/video/ Can't get enough of this episode? You can choose from my thousand plus episodes here: https://www.trendfollowing.com/podcast My social media platforms: Twitter: @covel Facebook: @trendfollowing LinkedIn: @covel Instagram: @mikecovel Hope you enjoy my never-ending podcast conversation!
Dennis Wang é executivo tech e investidor e Julian Tonioli é especialista em M&A, governança, estratégia, gestão e capital. Dennis é um grande nome do mercado financeiro brasileiro, especialista em gestão de pessoas e tem como foco a cultura organizacional.Construiu sua carreira através de banco de investimento, fundos de private equity e asset management durante oito anos. Já atuou em Londres na BNP Paribas, em Amsterdã na ABN AMRO e em São Paulo na Merrill Lynch. Após essa experiência, foi co-CEO da Easy Taxi durante 5 anos e entrou totalmente no mundo da tecnologia quando foi VP de Operações da Nubank por 3 anos. Agora, o gestor está ligado apenas à Igah Ventures, sendo o diretor da empresa.Julian é Engenheiro Naval formado pela POLI-USP e Mestre em Engenharia. Foi executivo da General Motors e T-System, foi também um dos fundadores da Spring Wireless e da BIG - Brazil Internet Group. Atualmente é sócio da Auddas, investidor em mais de 20 startups e é membro do Conselho de Administração em empresas do setor de Tecnologia, Varejo e Serviços.https://www.instagram.com/wuengs/https://www.instagram.com/juliantonioli/〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️〰️SOBRE O EXCEPCIONAIS
This week, Sah welcomes Amanda Gilbert. Amanda is a meditation teacher, lecturer of mindfulness at the University of Southern California, and the author of Kindness Now: A 28-Day Guide to Living with Authenticity, Intention and Compassion. Before dedicating herself to teaching full-time, Amanda was Center Director for The Aging Metabolism and Emotions Center at the University of California San Francisco, conducting clinical research and publishing investigations on the biological and psychological effects of mindfulness and meditation. Her formal meditation training has been with UCLA's Mindful Awareness Research Center, in Primordial Sound Meditation with Deepak Chopra and within the Insight Meditation tradition at InsightLA. Amanda's teachings span from coast to coast in the US as well as online. She has led meditation for top companies and startups like NBC, Paramount Pictures, The W Hotels, Merrill Lynch, Macy's and YouTube.https://www.kindnessnowbook.com/IG: @amandagilbertmeditationwww.amandagilbertmeditation.com In this episode, Sah and Amanda discuss...Being okay not being okayAmanda's book, Kindness NowBreaking down the 4 heart qualities of mindfulness meditationWhat is compassion?Joy as an intentional practiceMeeting ourselves and others with kindnessOur attachment to righteousnessand more....✨✨✨The SAH Method Movement Healer Teacher Training is now open!Join our first cohort with a $500 discountClass starts July 9, 2022www.sahmethod.com ✨✨✨Join Sah for a transformative, immersive Sah Method Spiritual Dance retreat in 2022!Spiritual Dance: An Immersive 8-Day Sah Method Retreat in Mykonos, Greece, October 8-15: https://bit.ly/38Git1J ✨✨✨Get more Sah in your life:
As founder and CEO of Family Financial, Tammy empowers families and business owners to keep more of what they earn, preserving and growing their wealth. She takes a holistic, 360°approach to wealth and financial management, integrating financial, tax, and legal guidance to deliver optimal outcomes and achieve her clients' financial goals while often saving them time and money. Tammy has held positions such as Director of Planning where she advised their most affluent clients on complex retirement, business, tax and estate solutions. Other notable career positions she held were Trust and Estate Advisor in Wells Fargo Private Client Services in Beverly Hills, Financial Planning Specialist with Merrill Lynch, and Investment Advisor at Charles Schwab. In addition to relentlessly advocating for her clients, she is also a strong proponent for mandating - financial literacy curriculum in high schools and colleges across America. Her 26 years of industry expertise as a Certified Exit Planner and a Certified Tax Coach prove instrumental in helping clients to devise tax strategies as well as navigate the sale of their businesses. In this episode we discuss: - The need to be your own financial advocate - The importance and the challenges of move from a spender to a saver - How you can apply some of the strategies used by affluent families utilizing - How to handle the lack of collaboration between the professional advisors and the client which often resulted in missed opportunities. You can reach Tammy at familyfinancial.biz
How do you create a portfolio strategy that takes into account both safety and the pursuit of your aspirational goals? That's what today's guest, Ashvin Chhabra, set out to answer with the Wealth Allocation Framework. Ashvin is President and Chief Investment Officer of Euclidean Capital, a New York-based family office for James H. Simons & Marilyn H. Simons. The Simons Foundation is dedicated to advancing research in mathematics and the basic sciences and is currently one of America's largest private funders in those areas. Prior to his current position, Ashvin was Chief Investment Officer for Merrill Lynch and Chief Investment Officer at the Institute for Advanced Study in Princeton, New Jersey. He's also the author of a terrific book, The Aspirational Investor, which was published in 2015. Ashvin holds a Ph.D. in Applied Physics from Yale University in the field of nonlinear dynamics. In this episode, Ashvin, Tano, and I discuss Ashvin's background as a theoretical physicist, why he didn't see himself becoming a great trader, how the Wealth Allocation Framework was developed, his frustrations with modern portfolio theory, how he brings behavioral finance into wealth management, how to think about inflation and wealth preservation, and so much more! Key Topics: Welcome Ashvin to the show (1:05) The beginnings of Ashvin's dream of becoming a physicist (2:58) The deep insights Ashvin was exposed to in his university studies (3:53) Benoit Mandelbrot's influence on Ashvin's thinking (5:51) Ashvin's transition from theoretical physicist to derivatives trading (9:20) Why Ashvin didn't resonate with a career on the trading floor (11:24) How the Wealth Allocation Framework was developed (15:54) Three main components of the wealth allocation framework (18:11) The engine of wealth creation (22:24) Why we need to understand models in their specific context (25:05) An evolving view of risk (28:46) Bringing behavioral finance into wealth management (31:23) Ashvin's perspective on the evolution of the endowment model (34:55) Diversifying through various ecosystems (38:26) How to think about inflation and wealth preservation (41:43) Bringing in an element of common sense and humanity (45:26) The macro issues that worry Ashvin (47:52) The beauty of the non-linear aspects of financial markets (51:13) Ashvin's book recommendations (53:03) And much more! Mentioned in this Episode: Ashvin B. Chhabra's Book | The Aspirational Investor: Taming the Markets to Achieve Your Life's Goals Ashvin B. Chhabra's Paper | Beyond Markowitz: A Comprehensive Wealth Allocation Framework for Individual Investors Patrick Bolton, Tano Santos and José Scheinkman's Paper | Cream Skimming in Financial Markets Robert A. Caro's Book | Working Robert A. Caro's Book | The Power Broker: Robert Moses and the Fall of New York Benoit Mandelbrot & Richard L Hudson's Book | The Misbehavior of Markets: A Fractal View of Financial Turbulence Benjamin Graham's Book | The Intelligent Investor: The Definitive Book on Value Investing Morgan Housel's Book | The Psychology of Money: Timeless lessons on wealth, greed, and happiness Amor Towles' Book | A Gentleman in Moscow Thanks for Listening! Be sure to subscribe on Apple, Google, Spotify, or wherever you get your podcasts. And feel free to drop us a line at email@example.com. Follow the Heilbrunn Center on social media on Instagram, LinkedIn, and more!
Tom welcomes a new guest, Charles Nenner. He provides independent market research to hedge funds, banks, brokerage firms, family offices, and individual clients. He has been out of most markets for the last year, everything except crude oil and natural gas. They are looking for entry points in gold and silver after the summer. They have a downside target on the S&P of 3709, and, 11180 on the Nasdaq. There may be a bounce at that level, but it's still a long-term bear market. The correlations that experts give for inflation may be wrong. The causes of inflation have been building for a long time. Instead of trying to explain every action, it's important to focus on the long market cycles. This will remove a lot of the guess work as to the causes. Charles explains the timeframes and cycle methodology that he utilizes in his research. Charles argues the Fed is not really in control and that most of their actions have little effect. He believes they are worried about the situation. He notes that insiders started selling in the second half of last year. The problem with the news is they will tell you why something happened after it happens. In 2006, he predicted the housing market would crash, which it did. When stocks move up with a certain amount of momentum, you can calculate how long it will go up. He predicted we would enter a war cycle based on historic cycles. The second decade of a new century tends to have wars. Years ending in a 7 tend to have large downward equity moves. 1929 was an exception. He doesn't understand why these things happen, but he can find the patterns. Every sixty to eighty years, a new country takes the economic lead in the world. The next cycle will be China and other countries, and they will become a big economic power and Europe will barely hang on. Time Stamp References:0:00 - Introduction0:32 - Being Defensive3:12 - Inflation5:14 - Timeframes & Cycles5:57 - Advances & Declines6:58 - Bond Yields & Fed9:51- Gold & Oil Cycles12:12 - Random Planning16:08 - Past Calls17:07 - War Cycles & Rhymes21:49 - Cycles Culminating22:38 - Wars & Geopolitics25:35 - Leading Economies27:46 - Cycles & Commodities31:00 - Media Agendas31:52 - Wrap Up Talking Points From This Episode Studying market cycles instead of the mainstream news.The causes of inflation are long-term structural issues, and the experts are probably wrong.Fed is not really in control and insiders have been selling since last fall.Predicting the cycles of War and other interesting market patterns. Guest Links:Twitter: https://twitter.com/NennerResearchWebsite: https://www.charlesnenner.com In 2001, Charles Nenner founded, and is president of, the Charles Nenner Research Center. Mr. Nenner has provided his independent market research to the following entities all over the world: hedge funds, banks, brokerage firms, family offices, and individual clients. Mr. Nenner worked for Goldman, Sachs & Co in NY, from 2001 to 2008. Before that time, Mr. Nenner worked exclusively for Goldman, Sachs & Co. in London, where he served as a technical analyst for Goldman's fixed income trading group from 1998 to 2001. From 1997 to 1998, he served as the head of trading research at Rabobank International, and from 1992 to 1994, he was head of Market Timing at Ofek Securities in Tel Aviv. Mr. Nenner served as Director of Research at Windsor, NY between 1987 and 1989, and was a Financial Consultant with Merrill Lynch out of its Amsterdam Office from 1985 to 1987. Mr. Nenner initiated a system of pattern forecasting and securities analysis, and developed a computer program which takes many indicators into account, including Mr. Nenner's use of proprietary cycle analysis. Mr. Nenner graduated from Maimonides College Amsterdam in 1972, and from the University of Amsterdam Medical College, where he earned his medical degree in 1984.
Ep. 563 Why Industrial and Self-Storage Will Remain Strong For The Next 5+ years!Dan Kryzanowski is a serial revenue driver and active alternative asset investor. Prior to joining Rocket Dollar, Kryzanowski led new initiatives, partners, and teams across multiple startups and Fortune 50 companies, including General Electric and Merrill Lynch. He also serves as an advisor to entrepreneurs and executives across the FinTech worldand self-storage industry. In addition, Kryzanowski is a certified Project Management Professional, and a graduate of GE's exclusive Experienced Commercial Leadership Program. He also serves as the Corporate Board President of Hugh O'Brian Youth Texas Capital Area. Kryzanowski graduated from the Wharton School of the University of Pennsylvania and has an MBA from Thunderbird, graduating with distinction (top honors). He resides in Austin with his wife and son. Stay tuned and listen to how Dan Kryzanowski shares his knowledge on Why Industrial and Self-Storage Will Remain Strong For The Next 5+ years! [00:00 - 05:26] Sponsors Get 20% on Raise if You Use Your Retirement Dollars in My Next Deal using your retirement dollars in your next deal. This can help sponsors get about 10-20% of their raise. The solo 401k is a powerful tool for sponsors because it allows them to defer taxes and generate high yields. Sponsors should go talk to a lot of people before investing in a deal, as the market has changed and preferences have shifted. Investors still want some appreciation in their investments, even in an inflationary environment. Classing a class B can provide this [05:26 - 10:54] Delaware Statutory Trusts Can Help You defer taxes The benefits of a Delaware statutory trust (DST), which is a type of trust that allows property owners to sell and take the appreciation without paying taxes on the gain. Many DSTs are portfolios that contain different properties, which can provide diversification and low-to-mid single-digit returns. As an LP, it's important to be aware of when a DST expires and to get moving on selling the property as soon as possible in order to avoid paying taxes. [10:54 - 16:11] Storage Industry Continues to Grow The industrial fund closed on four properties in four Q last year, allowing the company to enter the California student housing market at a favorable cap rate Storage is now a natural extension of the housing experience, with demand for RV and boat storage increasing Specialized storage is becoming more popular, with high-end facilities catering to those with high incomes and multiple properties" [16:12 - 19:34] Closing Segment Reach out to DanSee links below Final words Tweetable Quotes "Once again, you on property, You own and operate today. So what's your options. You can keep on owning and operating or you can sell. Now, if you sell, you generally have two options.A of course you pay your taxes or you own and operate property. B pretty much the same. It's just a different property. Now in the middle. I like to say per se as well, I don't want to own an operate, but I want to maintain the tax benefits. - Dan Kryzanowski ----------------------------------------------------------------------------- Connect with Dan Kryzonowski on LinkedIn. Connect with me: Facebook LinkedIn Like, subscribe, and leave us a review on Apple Podcasts, Spotify, Google Podcasts, or whatever platform you listen on. Thank you for tuning in! Email me → firstname.lastname@example.org Want to read the full show notes of the episode? Check it out below: [00:00:00] Dan Kryzonowski: My suggestion I've seen this play out time and time again, is that in your communication to your investors, to your prospects, one sentence saying, did you know, you can use your retirement dollars in my next deal? That alone from my experience sponsors tend to get about 10 to 20% of their raise. [00:00:17] Dan Kryzonowski: Whether it's through an STI rate with the legacy custodian or solo 401k. And of course that ties to rocket dollar very powerful, especially as more folks are moving self-employed for better or worse. The solo 401k is pretty exciting [00:00:29] [00:00:40] Sam Wilson: Dan Kryzanowski is a capital raiser equity owner and LP investor generating double digit yields and lower taxes, but via commercial real estate, he's currently bullish on Texas commercial real estate, industrial self storage, and 10 31 and Delaware statutory trust. [00:00:56] Sam Wilson: Dan, you're a wicked smart dude. I'm lucky to have you on the show. Thanks for coming on. [00:01:00] Dan Kryzonowski: Sam. It's great to be here. And if the calendar's right, I think I was originally a number 44. So thank you for bringing me back. And I think today may actually be my 44th birthday. So, Hey, how about that? Hopefully there's something. [00:01:11] Dan Kryzonowski: Well, look [00:01:11] Sam Wilson: at that number 44 on your 44th birthday. That's right. Yeah. You came on the show January 12th, 2021. So it's been, yeah, that was 500 and something episodes ago. Tell me, what's happened here in the last, almost year now. [00:01:27] Dan Kryzonowski: Yeah. I think high-level, and I was at a CEO conference here in Austin and one of the gentlemen on stage so that, Hey, in 2021, people were buying and in 2022 people are shopping and this extends everything from going to the supermarket cause inflation to I think our world. [00:01:44] Dan Kryzonowski: And I think it's, in some ways it's a great thing. In some ways it's a challenge. So for fellow sponsors and hybrids on this call, realize. You're not the only game in town and somebody, if they are interested, your buddy that you worked with for 20 years at corporate, he or she is now listening to multiple podcasts, going to a few shows, talking to multiple sponsors, doing the diligence. [00:02:03] Dan Kryzonowski: So just throwing a deal out there and thinking, ah, if you build it, they will come. Not as much. So, I always think it's what education, what can you play into, are you, have you listened to your audience? Your investors in the past, year and a half. And then what are you bringing them down to fulfill their needs? [00:02:18] Dan Kryzonowski: So I feel this in all walks of life, but especially here in our real estate of passive investing world, [00:02:24] Sam Wilson: man, I'd say it's absolutely true. The number. I feel like the investor conversation has changed. For me, I don't know, I probably have 15 investor calls. And it's changing, the preferences are changing. [00:02:36] Sam Wilson: You're right. I'm hearing that more and more. It's like, oh, Hey, I've talked to X, Y, Z. You're like, they're shopping, I'll hear, eight to 10, we're talking to eight to 10 sponsors figuring out what's out there as well. They should, as limited partner, I encourage that. Go talk to a whole bunch of people. [00:02:47] Sam Wilson: You may find you hate what I do. And I don't want you in my deals. If you hate what I do, you may find that I have bringing something unique to the table that you really find valuable. So I want you to, I want this to be a win-win, but they are shocked. And the other thing I think I've seen here recently, maybe you can attest to this is people are shying away from the appreciation play and really hunting for just cashflow go in. [00:03:08] Sam Wilson: And I hear that across the board. Have you seen that? [00:03:10] Dan Kryzonowski: I have, and we in that spirit at the, we recognize that, especially with inflation, creeping up, A lot of folks said, Hey boy, I'd love to get, I love to know I'm going to get a win for a year and then let's see where the world plays out. [00:03:23] Dan Kryzonowski: So, typically a development multi-family is three to five, three to seven years through this feedback we have DV said, Hey, how about we chop it up to a stage one and stage two. And as a thank you to our current investors, we paid upwards up to 20% on money for up to a year on the stage. The, once again, listening to your investors, this is what was valued. [00:03:43] Dan Kryzonowski: Now that said that we feel a lot of them are going to roll the principal and interest into the second stage. But I giving folks, Hey guys, you want to hop off the train or you want to wait a year and come on the train. I think investors prefer the sort of optionality. And once again, if you have the scale and you do your diligence to legal, et cetera, it's something you can provide your initial. [00:04:01] Sam Wilson: Now stage one versus stage two, or are you talking about on a development deal where there may be no potential cashflow early? [00:04:10] Dan Kryzonowski: Yeah. So think of generically called stage one, the land, almost a land loan per se age, two's going to be your typical development. And this can be your, development multi-family or maybe it's lots. [00:04:21] Dan Kryzonowski: And you're say you're putting the pipes underground and the people come and purchase a lot. Both of these we've seen pretty attractive at least here in time. [00:04:29] Sam Wilson: Right. Yeah. That's really intriguing. Yeah, you're absolutely right. I think that's something that providing that options, providing those options for your investors. [00:04:36] Sam Wilson: And we've seen that also just in class shares. That's become a big thing is to class a class B do you want to clip the coupon? Do you want to clip the coupon with upside, but take a smaller clip? What's that look like? Tell me, what are you guys investing in right now in BV cap? [00:04:51] Sam Wilson: And then maybe if you can give me a, some color to that as to what you guys are doing to protect against inflation, but also just protecting us market risk. [00:04:59] Dan Kryzonowski: Yeah. So one thing, kind of in the spirit of our parents stock bond portfolio, we at BV feel. There's still a similar want and need that folks want some appreciation. [00:05:11] Dan Kryzonowski: And that at times folks want a portion of their portfolio. That's a little more predictable. So, for example, and frankly, we haven't even market this. We have a triple net industrial portfolio that pays a monthly distribution. I like to say it's wonderfully boring. Cause guess what? You write a check. [00:05:26] Dan Kryzonowski: And every month the check comes in the mail and it's a great way to also mutually know. Right. To the point that we have up to, close more than a half dozen investment advisors have actually trusts us with their client money. If you've ever been through that route, it's a hell of a lot of due diligence and everything else, just even have that conversation. [00:05:43] Dan Kryzonowski: So that was a pretty good proof point. Yeah. Separately. We've had some stuff with sizzle on the multifamily side that we feel is going to be a good historically has been a 20 plus IRR, whether it's in student housing, Of course housing. And what I think is unique is I call it the mid point between doing a 10 31 and just painful taxes today. [00:06:03] Dan Kryzonowski: There's many folks. In all stages of life, that own a few properties, whether it's inherited, they've had it forever and they want to probably get rid of some of that. Why as well, they want to cash in, or they're just like, Hey, this is a 1940s build. It's just tired of operating it. There's turnover. Or my time tenant is moving out. [00:06:23] Dan Kryzonowski: Now's a good time to break Frank's. I don't want to pay high taxes in a place like Texas. So, one thing I think that's unique that we're looking into is. DST. So a Delaware statutory trust and lay person's terms is think if you have a property called property a is probably at a gain, you can sell, take the appreciation, move it to property B. [00:06:42] Dan Kryzonowski: Okay. It's kind of the same logic that you're owning enough. Or you can pay the taxes, pay a pretty heavy tax. Now in the middle, if your goal is to defer, you can do that. So there's a saying called swap tea drops. Some people they say, ah, they never going to pay and I'm going to take it to the grave. [00:06:57] Dan Kryzonowski: And part of my legacy, part of my planning for the next generation, that's what a DST can provide. Now that said. What rubs me a little bit wrong as an LP is a lot of these DSTs are only four or 5%. This is all in, not just a prep and I'm like, something just doesn't smell, right. It seems like pretty high in fees and everything else. [00:07:14] Dan Kryzonowski: Not saying this isn't good product. But , in good faith, I think an operator could pay double digit returns on a DST and still have a healthy return for them for the time and effort to go into it. So, summing up on that, and this is all feedback from our investor base is folks ahead, I'm selling something. [00:07:30] Dan Kryzonowski: I don't still want to own it. I might take out a little, a few hundred thousand for myself, but the rest I want to defer, let me think about a bit more three to five years. I think at DST particularly a property with double digit returns is going to be a pretty solid niche for the second half of this year. [00:07:44] Dan Kryzonowski: In the next few years. [00:07:45] Sam Wilson: How does a DST differ from a 10 31? [00:07:50] Dan Kryzonowski: And I'm not the all I'm at, I'm not the CPA, the lawyer expert, but the as explained to me is that once again, you on property, You own and operate today. So what's your options. You can keep on owning and operating or you can sell. Now, if you sell, you generally have two options. [00:08:07] Dan Kryzonowski: One of course you pay your taxes or you own an operate property. B pretty much the same. It's just a different property. Now in the middle. I like to say per se as well, I don't want to own an operate, but I want to maintain the tax benefits. Right? You could go into a DST, many DSTs are a. Usually a portfolio and there's different reasons behind that that generally pay low single digits or mid single digits overall. [00:08:35] Dan Kryzonowski: But once again, what they are selling is, Hey, here's a diversified portfolio and you're not paying taxes. So, folks that main goal is I want to defer taxes. That's the attraction of the DST now also. What I think is cool historic. They said it's been a portfolio. There's a lot of fees baked into it. [00:08:51] Dan Kryzonowski: Like anything, the curtains getting pulled off the wizard of Oz per se. And I think it's becoming time like, Hey, here's a pretty slick property that frankly, if I just had cash on the side, I may even consider, it might be a mid-teens IRR for example. So anyways just cool little niches, I think are out there for as, going full circle as folks continue to shop per se. [00:09:09] Dan Kryzonowski: This is something I think too, not just us, but you know, investment advisors folks that play that role for their families should become a little more aware of [00:09:17] Sam Wilson: is the DST set up by your firm and then multiple people can in pin roll their properties into the single DST, or is it a DST, each individual sets up and they then roll into your [00:09:32] Dan Kryzonowski: there's some paperwork and there's folks that are. [00:09:34] Dan Kryzonowski: Experts that have been around the block a few times , for example, if we at BB go down this route, we're going to partner with there is some paperwork, probably for a different discussion of, for today's call. It has to be completed. But one thing I would be aware of there is a timeline, there is kind of these windows. [00:09:49] Dan Kryzonowski: That it's much like a 10 31 where it can't be, Hey, we sold the property and X days ago, and there's three days to go before I have to pay taxes. You have to get moving a little bit sooner. So, as I just spitball this in conversation, folks are saying, well, yeah, I'd like to sell maybe may, maybe June. [00:10:05] Dan Kryzonowski: These are conversations I had back in April and March, even. So people are, I think they're aware at least that if they want to defer taxes, you really have to start thinking a good few months ahead. So I compliment, you and our community for sharing this on the podcast. So this is now kind of something that people do in their mental checklist as they look at their. [00:10:25] Sam Wilson: Right. No, I think that's great. That's absolutely great. Tell me, what are you guys? What are you guys investing in? I know you, you do industrial multifamily and you even mentioned student housing. What are you guys doing right now to find opportunity at BV? [00:10:38] Dan Kryzonowski: Yeah. So, the benefit being boots on the ground in Texas for many years, particularly in the two largest cities Dallas, Houston is we tend to find some pretty good off market opportunities and I get it, it's a buy high, sell higher, but I think it would be shown over the decades is certainty of execution. [00:10:54] Dan Kryzonowski: For example, our industrial fund we closed on four properties in four Q last year. So we also have that ability. Something a little unique I think we can all pick on our California friends here. They weren't as versed in student housing. Let's just say occupancy was comically low. [00:11:10] Dan Kryzonowski: We have the ability to come in at a great, very favorable cap rate. Which in turn we share those benefits. So those are a few things, sorry. That was my I, they call it my birthday buzzer that went off, sorry to scare you there on the backend. Otherwise it's something you didn't mention, but you know, folks that know me I'm still extremely bullish on self storage and why is that? [00:11:29] Dan Kryzonowski: I feel storage is now it's a natural extension of the housing experience. So when I say housing, living, living in the 21st century, a few things on that. So, historically we can joke storage was for stuff that we really didn't need or, kind of the crap as they would say, what it's changed into. [00:11:49] Dan Kryzonowski: I think in COVID show this as folks know, like, Hey, if I can even find an extra bedroom, I'm paying at least a grand in rent or sitting in Austin, it could be in the hundreds of thousands of a house. So with that in case I don't want to feel like a truly hoarding, I want to use storage. And it's not just for the Christmas tree it's it could be for your kids. [00:12:07] Dan Kryzonowski: Winter clothes can be for your tax documents, some pretty important stuff here. That's becoming whether it's literally at a storage facility or onsite, say I have an apartment complex or something that you consciously build that. In your garage, but most people aren't going to go through that effort. [00:12:19] Dan Kryzonowski: They're going to defer cause it's still a pretty favorable cost. So with that, I still think there's a very healthy appetite for storage. There's also specialized storage for folks of higher income. Think of the Tesla crowd pick your zip code. With six figure income plus there's many of these. [00:12:33] Dan Kryzonowski: So they call it a very exclusive man-cave. One of my buddies said he couldn't say that his lawyer said he couldn't say that, but, frankly, there's some of that out there. So there's a whole bunch of types of storage that go into it. And, I think it really comes down to, is folks want to declutter even today, some folks might say shit, I can't have. [00:12:49] Dan Kryzonowski: A crib in the background. Cause my, my newborns and I was six years old, things like that. So it leads into storage. So I think it's kind of a natural extension of especially as cultures are emerging too, folks want to do this. Not just even climate controls, you're talking for boat are B, we talked about the Tesla, the fun storage, a lot of folks are refurbing. [00:13:08] Dan Kryzonowski: Think of the Kmarts, the Woolworths of the world. They're being referred to the storage project being in the middle of the country. So, yeah, a lot of folks it's becoming a natural, I think, way of life in the 21st century. And I don't think people are already crazy stuff that some of the stories, as I said, it's just folks get used to it. [00:13:23] Dan Kryzonowski: They get used to it at a price point. You check in every three to six months to move some inventory for your personal and you go from there. [00:13:31] Sam Wilson: Yeah. And I think you bring up some really interesting nuances. I think the storage space that most people aren't considering, and you call it specialized storage. [00:13:40] Sam Wilson: And certainly we're seeing that demand on the RV and boat storage side of things. It's. It's insane. Just from the delivery side alone, they had no place to put them, but I also think it's interesting how you clearly said look the days of just storing piles of useless clothes in general. [00:13:57] Sam Wilson: I think those are not behind us. Cause everybody there's still going to be days of piles of useless junk, but it's also it's changing. It is becoming smaller homes. People move into the tight, tighter spaces. And like you said, if it's a few hundred grand for an extra bedroom that you're not going to use, why not just get a rough storage unit for a hundred bucks a month? [00:14:15] Sam Wilson: Okay. We can put all our tax documents and our Christmas trees and all our other random stuff in there. One of the, one of the storage, specialized storage things that I've looked at and obviously not invested in, but I think it's really interesting. Have you seen those like high class, like you call a man-cave, but they also make them, they make them for boat and RV storage where they're actually selling the. [00:14:35] Sam Wilson: So they, they build this super swanky facility, with wash bays and clean out this and detailed crews and everything else. And they sell you your man-cave. So they'll maybe build 200 units and sell them each off their, the parcel amount and make actually sell them by the unit, create an HOA, basically for the storage facility. [00:14:51] Sam Wilson: That's specialized storage [00:14:53] Dan Kryzonowski: is definitely specialized storage. Yeah. I know it's out there and it'll continue to be in, certain zip codes for sure. Yeah, for [00:14:59] Sam Wilson: sure. And I think that's a really, just a a neat way to look at that know there's lots of runway there for a variety of reasons. [00:15:06] Sam Wilson: I think that's the other thing that people have said in the storage market all along is that no matter what the economy, there's reasons that people want stories. So it's either up-sizing downsizing, changing life, changing careers, moving it's always in fashion. What are you guys doing right now to take advantage of the the kind of the market dynamics that surrounds. [00:15:27] Sam Wilson: Yeah. [00:15:27] Dan Kryzonowski: For me, like a lot of us on the call, I'm a hybrid. I have a, fortunately I've built up a pretty sizeable retirement accounts, self-directed accounts, solo, 401k, food storage. We've had some myself as an LPN investor and those that I've introduced over the years. So I've had some, I'd say pretty sizable and attractive exits and like anything, every few years I call it the next generation of storage, whether somebody is up and coming or they're coming from some recent exits in multi-family. [00:15:53] Dan Kryzonowski: Folks that are long, maybe, call it two to six facilities, but their goal is to get to 20. So, so far, so good. I've probably invested with four, I'd say newer folks to the semen storage and whether it's development, we're on track for development, or if it's a value add, it's pane out as it's supposed to be at the moment. [00:16:11] Dan Kryzonowski: So, I'm excited and it varies, some folks are doing strictly. Everything's automated from when you book there's no humans in any way, shape or form. Are there folks are a little more old school. And then as we talked about kind of the luxury storage, that's just kind of a really unique fund model that I still think has tremendous upside. [00:16:29] Dan Kryzonowski: Yeah, [00:16:30] Sam Wilson: absolutely. Now BB capital also invest in multifamily is that. Yeah. The backbone [00:16:35] Dan Kryzonowski: of BV historically isn't multifamily is a bit more DFW total exits of over 250 million to date. So, and it's been a good mix of, as I alluded to before our student housing, workforce housing, some development, some value add I think the new thing once again, just Texas is still real boots on the ground state. [00:16:54] Dan Kryzonowski: We do have a lot of folks with the BD logo. So we found. Even in this market, the needle in the haystack of a piece of land that's, I don't want to say pennies on the dollar, but less than a dollar, which is a minor miracle these days. Right. We can do stuff with it. We found a track over a hundred acres in Galveston there. [00:17:11] Dan Kryzonowski: I think the only one out there, a lot of folks want a second house. I want a beach. So it's a little things like, Hey, as an investor, in addition to getting double digit returns, how about you on first look at buying one of these plots. That's very important to some folks. So, we've done some really strong surveys. [00:17:25] Dan Kryzonowski: Obviously a lot of one-on-one some more exclusive events with 20 or so folks and. We're going to hop across the states of the large cities for that to really get feedback. And that's what we'll, that's, what's kind of led outside of the fund to our our single asset offerings over the past year. [00:17:42] Sam Wilson: Got it, man. That's fantastic. Dan, we're almost out of time here, but I've got one last question for you for people that know you well, they know that you've got extensive background in the self-directed IRA space. What do you see as the number one opportunity for capital raisers in the self directed IRA? [00:17:59] Dan Kryzonowski: My suggestion I've seen this play out time and time again, is that in your communication to your investors, to your prospects, one sentence saying, did you know, you can use your retirement dollars in my next deal? That alone from my experience sponsors tend to get about 10 to 20% of their raise. [00:18:16] Dan Kryzonowski: Whether it's through an STI rate with the legacy custodian or solo 401k. And of course that ties to rocket dollar very powerful, especially as more folks are moving self-employed for better or worse. The solo 401k is pretty exciting. So yeah, I just think that, and also for folks that are thinking of JV and Koji pain with. [00:18:34] Dan Kryzonowski: Your old corporate money. This is a great pocket of money that frankly you can't touch anyways without paying taxes for a while. So take advantage of it now. Anybody with any questions just ping me on LinkedIn. LinkedIn is great. Say you heard it here and we'll have a chat. [00:18:50] Sam Wilson: Awesome, Dan, and that's my last question here for the show is if we do want to get in touch with you, what's the best way to do. [00:18:55] Dan Kryzonowski: Yeah, LinkedIn is great. And then I joke, if you can spell it, you can get it. And we'll get you a few pennies off of your rocket dollar. And for fellow sponsors out there I'm happy to share my VIP code, so, please reach out one alone. [00:19:06] Sam Wilson: Awesome, Dan, thanks again for your time today. It was great to have you back on the show. [00:19:09] Dan Kryzonowski: great seeing you brother.
Erik Helmstetter is a partner with Oder Investment Management, LLC. Erik's responsibilities include portfolio management, investment plan construction and new client generation. He has been in the industry over 20 years and has previously worked at Merrill Lynch and Morgan Stanley. His experience is enhanced by his professional designations as a Certified Financial Planner, Chartered Retirement Plan Specialist and Chartered Retirement Planning Counselor. We talk about saving for the future at all ages, what to ask and what to know. Erik attended the University of California at Los Angeles and earned a Bachelor of Arts degree in History and Business Specialization. While at UCLA he also played on the golf team. --- Support this podcast: https://anchor.fm/matt-brown57/support
Lee Richter is a multipreneur who has built and runs 9 successful businesses. Best known these days for her NFT expertise at NFTsWithLee.com and her entrepreneur mentoring business GoAskLee.com, Lee is a business visionary, dynamic innovator, powerful connector, investor, and a recognized award-winning influencer by the San Francisco Business Times as one of their Top 100 Women Business Leaders in 2017. For over 25 years, Lee has launched a dozen successful businesses in the financial, education and lifestyle sectors. She's the CEO of Richter Communications and Design Group, a marketing and PR agency whose clients range from Merrill Lynch and Bank of America to the Pet Concierge, and CEO of Holistic Veterinary Care in Oakland CA. Today we dig deep into NFTs and the power of the “smart contract” on the blockchain, plus the magic of authenticity, why building and empowering your team is the key to success, and how women must lift each other up in business to realize our dreams. Download Podopolo here to get the video of this podcast, live streamed from Napa at Feast it Forward during the BottleRock music festival, and keep the conversation going in the Wings comments section and invite your friends to connect around podcasts recommended to you by what interests and inspires you.
Richard Greene joins #Clockedin with Jordan Edwards shares his story about being an international speaker!An attorney by trade from USC Law School, Richard left the practice of law to share his communication breakthroughs with Presidents, Prime Ministers, Cabinet Ministers, Senators, Congresspersons, First Ladies, political candidates, CEOs and CFOs of Fortune 500 companies, attorneys, judges, Hollywood celebrities, and marketing professionals among others in over 40 countries on 6 continents. The work includes branding and message development, media training, speech writing, and speech coaching. The work also extends to helping clients overcome the fear of public speaking, a service he provided to Princess Diana and continues to provide to major politicians, business leaders and professional speakers today.Richard has conducted over 100 international lecture tours, leading workshops and doing consulting for The United Nations, The World Health Organization, The U.S. Chamber of Commerce, Wharton Business School, The Young Presidents Organization, The House of Lords, and such worldwide corporate clients as Goldman Sachs, Merrill Lynch, Bridgewater Associates, SAP, Sandia National Laboratories, Lockheed Martin, Kirkland & Ellis, KLM Airlines, NBC, ESPN, The Chicago Cubs, The Hollywood Reporter, Village Road Show, Starwood and Sheraton Hotels, Leading Hotels of The World, and The Walt Disney Company.To Learn more about Richard Greene:To Learn about Richard Greene: http://www.richardgreene.org/about-richard/Hope you find value in this. If so please provide a 5-star and drop a review. Complimentary Edwards Consulting Session: https://calendly.com/jordan-555/intro-call
On this week's Inside Outside Innovation, we sit down with Susan Golden, Author of the new book Stage (Not Age). Susan and I talk about the $22 trillion market opportunity in the emerging longevity economy from education to workforce to healthcare and housing. Let's get started. Inside Outside Innovation is the podcast to help the new innovators navigate what's next. Each week, we'll give you a front row seat into what it takes to learn, grow, and thrive in today's world of accelerating change and uncertainty. Join us as we explore, engage, and experiment with the best and the brightest innovators, entrepreneurs, and pioneering businesses. It's time to get started.Brian Ardinger: Welcome to another episode of Inside Outside Innovation. I'm your host, Brian Ardinger. And as always, we have another amazing guest. Today, we have Susan Golden, author of Stage (Not Age): How to Understand and Serve People Over 60, The Fastest Growing, Most Dynamic Market in the World. Welcome to the show, Susan. Susan Golden: Thank you so much for having me.Brian Ardinger: To give a little background. You've got a lot of experience in this particular space. You teach at the Stanford Graduate School of Business. You're a Mentor at Techstars Future of Longevity Accelerator. And a thought partner with Pivotal Ventures on their Caregiving Innovation Initiatives. I think the first question I'd like to ask is what drew you to this topic and exploring this $22 trillion market opportunity called the longevity economy.Susan Golden: Great question. I have a background in public health and then went into venture capital in life sciences and health services. And I actually took a career break, which is part of what the book is about. That many people are going be taking career breaks if they're living 100 year lives. And went back to school. And Stanford had just started a new program called the Distinguished Careers Institute, for people anywhere from their fifties to their eighties, come back and rethink what they want to do with the next chapters of their life. Because they're living much longer. And nobody should be thinking about retirement in their sixties because they have another 30 or 40 years to go.And I learned about longevity at Stanford. There's a wonderful center on longevity that is thinking about how do you plan for the 100 year life. And it's very dynamic and it's not just about the typical impression that most people have, that all older adults are elderly, declining, frail need a whole variety of services.Some will, and most of us will need something at some point in the end of our lives. But most people are going to be living very vibrant lives well into their eighties. And this has created a whole new economy that most people just don't know about. And particularly investors and innovators don't know about it.Traditionally, if I asked my venture capital friends, why aren't you investing in this? They would say, oh, this is about senior housing and fall prevention and medication management. And that's a piece of it, but there is now, as you said, a $22 trillion worldwide market right here in the United States.Right now, it's estimated to be about $8.6 trillion. As over 10,000 people are turning 65 every day and they're going to be living long lives. And over a third to a half of children being born today can expect to live to their 100s. And this longevity economy now includes all their spending, the stimulating new jobs that are being created for their products and services.And companies are beginning to rethink their longevity strategy. Not just for products and services, and how could they have a multi-generational. But also, how to have a workforce that's multi-generational. And how to take advantage of that. And most people don't realize that people over 50 have most of the wealth. They're responsible for 56% of consumer spending and 83% of wealth in the United States. So this is a gigantic market opportunity, gigantic innovation opportunity, and a great need to support healthy aging as our population is going to grow in this category. Brian Ardinger: So, with the fact that it is growing and there's this massive opportunity, what are the biggest misconceptions out there? Why do you think more people aren't exploring this at this point?Susan Golden: I don't think they fully understand the vibrancy that most older adults are in. And that they're in multiple stages. And they tend to lump all older adults in one category. All people 65 and older, or whatever demarcation one takes 70, 75 when there's great diversity in aging. And I think we should be thinking about ageless people. But more and what I argue for in the book about stage, some companies have done this well. They recognize what stage of life somebody is in. So, they may be in a re-purposing stage or transitioning out of one career to another. They may want continuous learning and educational opportunities as I, and all my colleagues who've done the DCI program at Stanford were in. To refocus what we want to do next and what are our life priorities. But there's other traditional consumer facing industries that people haven't thought how to reinvent them for people with longer lives and how to support their health span. And this includes housing alternatives and home modifications, fashion and accessories, education as we mentioned, entertainment, travel, you can think of that just virtually every consumer opportunity that is going to have a burgeoning longevity customer that needs to be understood. And so, understanding what stage somebody is in, will give you a much broader perspective about their needs. There may be a caregiving stage even. Brian Ardinger: In the book you talk about, you have five kinds of key stages. Can you walk through what those stages are? And what's important about them. Susan Golden: So, I came up with the concept of 18 life stages that could be divided into five quarters of life. And I know that's funky math. But people traditionally think about life in three stages, which is your education, your working stage, and then your retirement stage. And now I think we have to think much more broadly.So, I think about the first stage of life as sort of your growth stage. And when you're launching and you're first and beginning to experiment. And in your second quarter, you have different stages where you're doing continuous learning. You're developing some financial security. You might be caregiving, parenting, optimizing health. And then the third and fourth stages I think are what might be considered new. Which is, I call them the Renaissance Stage where you're reinventing what you're doing. You're repurposing, you're relaunching. You may be transitioning, may have a portfolio of things that you're doing as I do. You might be an entrepreneur or an “olderpreneur” as people often say. And then the later stages are maybe where some people think about more about their legacy planning for end of life. But people are living to 100. So, I put in a fifth quarter because we just don't know what that whole new paradigm is going to look like. And how people are going to be using those extra years. Brian Ardinger: Well, a lot of it has been driven by other parts of the economy as well, whether it's technology or healthcare and that that's literally changing the way we live. What are some of the trends or things that you've seen that are allowing folks to be more productive as they age? Susan Golden: Well, technology is certainly making a great change in the way we age and for the better. Technology services, anywhere from being able to access transportation more easily. It may not be wanting to drive yourself, but there's lots of transportation services and easy ways to get access to it. Uber, Lyft even have special programs to help you get to medical appointments and interface with medical system. We have delivery of virtually everything you can possibly think of. You can do online banking, but interestingly, not all older adults are digitally literate and that's another innovation opportunity. Other countries have national programs to make sure all older adults have active digital literacy training every single year, not just one, but multiple times. That's where we're seeing it. Tech in the home. We're going to see a lot of healthcare, not just during the pandemic, but continue to be telehealth services. People are thinking about remote health in the home going forward. And then working from home is creating all sorts of opportunities for older adults. Giving them enormous flexibility. We see tech really supporting caregivers. This is a whole new need because there are 48 million unpaid caregivers in the United States. And that's some of the work I do as a thought partner to Pivotal Ventures. They're actually supporting an entire accelerator through Techstars, just devoted for innovations to support unpaid caregivers in the United States. So, we're seeing an uptick and definitely more interest in this area. But most people, I would say most innovators and investors have not fully appreciated the enormous opportunities.Brian Ardinger: Well, and that's what I like about this book. It not only lays out in granular details, some of the opportunities that you're talking about, but it really is for entrepreneurs. It outlines a number of different market opportunities. It gives the lay of the land and a call to action for entrepreneurs to start tackling some of these types of problems and that, that are out there. Having said that, what are some of the opportunities that you're seeing startups get into and maybe what opportunities are being missed. Susan Golden: When people are coming into this industry, it's so big and so many different verticals you can focus on. It's better to focus on one and then expand. So sometimes I feel like companies are trying to solve every problem. And that can happen over time if you create a fabulous platform. But definitely focusing on a particular need, don't create a product that you think somebody will want to find out what the needs are.And I really advocate for multi-generational teams. I think as companies have a multi-generation workforce which is going to be inevitable as people are going to have 60-year career spans with caregiving breaks, optimally at different times of their lives. But learning what somebody needs, the mantra and the industry is designed with not for. So don't guess what an older adult will want, bring them into the conversation early on. And then companies that are, and entrepreneurs that have designed a product that's just for older adults and it calls out it's for you older person. And we could say that the stereotype there is big beige and boring is not the way to go. Is to create a product that might have still features that support an older adult's needs, but could potentially be a multi-generational product. And an example of that is OXO Kitchen Utensils. I don't know if you've ever purchased them, but they're very much designed to be easy on the hands. Great dexterity, compatibility. And they're good for young and old. And they're not sold at it's a multi-generational product. It's not sold just for older adults. It's not sold just for younger people. But too often marketers targeted the 18- to 34-year-old category. And if you broaden your perspective and think about older adults in a very vibrant, and different stages of their life, you will have a much larger market to address.Brian Ardinger: And I think you're seeing that in the marketing sense as well. Like you said, seems like most marketers always target that younger demographic. And some of the things that you're talking about, it's not even the age, it's a specific problem set. Which could, like you said, span different ages as the person grows and adapts. Talk a little bit about some of the products or services that you've seen or some of the trends that are most exciting to you. Susan Golden: The ones that are really catching my attention is new housing alternatives. Traditionally people thought everybody wanted to go to a senior retirement community, assisted living facility. And over 90% of adults want to age in what they call age in place. But their current home may not be ideal for them. It may have many steps. It may be too big. They may feel isolated. So, there are some new interesting housing companies, basically housing alternatives. And one is an example that came out of the Techstars Accelerator two years ago called Upside Home.And they rent apartments in buildings that are, multi-generational. Not just for old people. They fully furnish it so that it's compatible for an older adult. And this might be somebody who wants to spend three to six months in Florida or may want to get rid of their larger home. And it's no longer appropriate and have all the concierge type of products and services that come with apartment living, but they also have all the features that an older adult might need, including having access to caregiving as needed, transportation, food delivery. So, it's a really exciting new model that includes a variety of products. So, they started sort of like in one area and expanded to create a platform that provides now health services to those who live in their apartment complexes as well, which is really exciting. Home modification itself is a whole burgeoning industry. If people want to stay in their home. And so that it enables them to live longer and better and in a healthy way. That's one whole industry. And we're also seeing this in clothing and fashion. Whereas people let's say are active bike riders, but their current configuration of pockets and their clothing might not be ideal for their range of motion or if they have a rotator cuff issue. But you know, you could redesign it so that it meets the needs of an older adult. And that's just some of the things we're beginning to see as people look at a whole range of things. But education would be another whole burgeoning industry. I see a lot of great companies starting up as a way to help people find productive ways of staying engaged from a learning, but also contributing their talents.So older adults, teaching older adults. Older adults teaching younger. These are some really vibrant ways of creating community while somebody is aging in place to support them and make them feel very purposeful and connected. Which we know that social isolation, is one of the greatest risks of aging in your own home. And you have to stay connected in a purposeful way. And then helping older adults find work. Most older adults do want to work longer. They may not want to work in the same position for as many hours. They might want flexibility, but so to younger adults we're finding. And so, as a need very much so to help older adults get matched, where they can contribute and benefit society with all their talent and expertise and wisdom.Brian Ardinger: That's a great point. And we briefly talked about the fact that the workforce itself is changing, whether it's remote work or that. How do you see the corporate environment changing because of workforce and an age group that will be in the workforce for much longer? Susan Golden: I think companies that will do well, having a multi-generational workforce, will do so because they will have continuous learning opportunities for their entire workforce. Upskilling will be critical because things are changing so rapidly. There's a lot of companies right now that are offering wonderful “returnship” programs for people who do take care of giving breaks in particular, both men and women who may have been out anywhere from two years and more.And give them an opportunity to come back to the company they worked with. Retool, upskill, and then they're offered an opportunity to decide if they want to take a permanent position. And these are 16-week paid returnships. And this is happening in a lot of progressive forward-thinking companies.Companies are also providing upskilling just in terms of being financially literate. You cannot have successful aging if you've not planned for a longer life. And the financial services companies have done a particularly great job in this area. Not only for their clientele, Merrill Lynch is one company that I've written about that hired a financial gerontologists to help redesign their wealth management products. But also, to support their own employee. And have them planning for a much longer life.So, companies that do it, not just for the customer, but do it for their employees are the ones that are really going to distinguish themselves and utilize their multi-generational workforce to continue to modify products and services going forward that can benefit all sectors of the economy. Brian Ardinger: Absolutely. So, if I'm an entrepreneur out here listening to this broadcast, what are some of the resources or places to get more up to speed on this topic and others?Susan Golden: I would say, look at the book. And the book and in the appendix has a long list of accelerators, incubators, articles to read, and to familiarize yourself with all the design challenges, the industry newsletters, podcasts. It's a nascent industry, but it's still, most people don't know about it. So, I put in a long appendix with different resources. And check out the different accelerators like Tech Stars. ARP has an innovation lab, so you can see some of the companies that have been developed through these accelerators and launched. And get a flavor of where some of the needs are. But we don't know all the needs yet. This is new, old age is new. We don't know what everybody is going to need because there's going to be such diversity in aging. But we do know there's just a paucity of products and services to support healthy aging. And so that all people can live long lives with dignity and purpose. Brian Ardinger: We talked a little bit about the U S market and that. But are there other markets, obviously you hear about Japan and their aging population. Are there any insights that we can gain from looking at other countries and what they're doing when it comes to the population? Susan Golden: Yeah, I mean, some of the societies that have aged faster have a delayed retirement ages from mandatory retirement to much later. And I think that's a good practice. There's a lot of up-skilling that's going on in other countries. And the one that I mentioned earlier, digital literacy. Denmark does that. Israel does that. It's part of the fabric of respecting and integrating older adults into society. So, we can learn a lot from other countries. Singapore has a whole incubator around how to develop products and services to support longevity. And we have some very excellent programs happening on a state level. But we do not yet have national policies that fully support healthy aging, including paid family care leave acts because we need that people will need to take breaks for caregiving.There are 48 million unpaid caregivers in the United States. And many of them are women. And many of them have to take time off from their careers and then retool. Integrating that into a national strategy will be key to support healthy aging. Brian Ardinger: Well, Susan, I appreciate you coming on Inside Outside Innovation to share this new opportunity. It's going to be exciting times for sure. A lot of challenges, a lot of opportunities out there for folks to take a stab at. If people want to find out more about yourself or about the book Stage, Not Age, what's the best way to do that?Susan Golden: The website for the book is StageNotage.com and I welcome speaking and learning about any new opportunities that people may have.Brian Ardinger: Well, Susan, thank you again for coming on the podcast here. Super excited to see where this goes and looking forward to continuing the conversation. Susan Golden: Yeah, my pleasure. Thank you for having me.Brian Ardinger: That's it for another episode of Inside Outside Innovation. If you want to learn more about our team, our content, our services, check out InsideOutside.io or follow us on Twitter @theIOpodcast or @Ardinger. Until next time, go out and innovate.FREE INNOVATION NEWSLETTER & TOOLSGet the latest episodes of the Inside Outside Innovation podcast, in addition to thought leadership in the form of blogs, innovation resources, videos, and invitations to exclusive events. 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This podcast focuses on the non-financial side of retirement planning. But make no mistake, building a solid financial foundation for retirement is critical. That's why I interview guests on the financial side periodically, including Wade Pfau, Larry Kotlifoff, Bobbi Rebell, Russ Thornton, Harriett Edleson, and Casey Weade. Here are snippets of some of the best conversations so far on different dimensions of the financial side of the equation. Links to the the full episodes are below: Wade Pfau Larry Kotlikoff Hariett Edleson Bobbi Rebell Russ Thornton Casey Weade _________________________ About Retirement Wisdom Take charge of your future. Take the first step toward your new life today. Schedule a call to find how how the Designing Your Life process (developed by Bill Burnett & Dave Evans at Stanford) can help you unlock a new direction – on your own terms. Learn more about our One – on – One coaching and small group programs. How well prepared are you for the non-financial side of retirement? Take our free quiz and see what you should be preparing for in your retirement planning. ___________________________ About Your Host Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. If you're thinking about retirement, you'll also need to be planning for longevity That's why Joe returned to school, earning a Masters in Gerontology from the University of Southern California (at age 60). Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1.5 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy coming this summer. ________________________ Intro and Outro voiceovers by Ross Huguet. ________________________ The views and opinions expressed by guests on The Retirement Wisdom Podcast are those of the guests and do not necessarily reflect the policy or position of the host or Retirement Wisdom, LLC. The Retirement Wisdom Podcast covers the non-financial aspects of retirement. From time to time we may invite guests who discuss other aspects of retirement planning, solely for educational purposes. Listeners are advised to consult qualified financial and/or medical professionals on those matters.
Cliff is a serial entrepreneur of enterprise & tech startups. He's currently a Cofounder & CEO of Multiverse.ai, a blockchain-powered ideation & funding platform for early-stage startups. He previously was at Merrill Lynch, IBM, mobile engineering lead at Google and founder of Fanpop. He's a Stanford graduate in Computer Science. Show notes at: https://www.jeremyau.com/blog/cliff-szu You can find the community discussion for this episode at: https://club.jeremyau.com/c/podcasts/cliff-szu
After 12 years of professional basketball, Jimmy went to work as a financial adviser for Merrill Lynch. It was there that he gained the skills needed to organize, design, and execute strategic financial plans. Over the last 20 years, he has spent much of his time working with non-profit organizations that mentor youths in the Detroit area.Jimmy is part owner and Vice President of TruChampions, a national education and sports recruiting service, providing comprehensive consultation for college admissions and applications, tutoring, coaching, and ACT/SAT preparation. Jimmy is an alum of the University of Michigan, majored in Communications, and lettered in men's basketball, where he appeared in the NCAA Championship in 1992 and 1993. He remains active in the community by serving on the Board of the Letter Winners M-Club and on the Finance and Facilities Committee. He also supports the Abayomi Community Development Corporation as a coach and serves as a board member of the National Basketball Retired Players Association, Detroit Chapter. Jimmy resides in Birmingham, Michigan with his three children Jalen, Madison, and Malcolm. He enjoys spending time with his family, exercising, and moonlighting as an analyst for collegiate and professional basketball.To learn more about Caralee, visit her page:https://www.mariposagroupdfw.com/agent/caralee-gurney/To learn more about Stacy, visit her page:https://www.mariposagroupdfw.com/agent/stacy-cooper-revely/Stay in touch on social media:https://www.facebook.com/TheMariposaGrouphttps://twitter.com/mariposagrouphttps://www.instagram.com/themariposagroup/https://www.linkedin.com/in/stacyrevelyrealtor/https://www.linkedin.com/in/CaraleeGurney/
Trust is the cornerstone of a successful advisor-client relationship. And earning that trust starts with empathy – the ability to have a complete understanding of clients' situations and concerns. Having a clear understanding of what drives clients' decisions allows advisors to develop and recommend solutions that align with their goals and preferences, laying the foundation for successful advisory platforms. In today's episode, Jack talks with John Connors, Founder and CEO of Boathouse. Prior to founding his own marketing agency in 2001, John held positions at companies such as Hill Holliday and Merrill Lynch, served as CEO of Zentropy Partners, and became part of the McCann World Group Management team. With the aim of bringing a new level of performance-mindedness to the agency business, John created Boathouse. John talks with Jack about why narratives matter, why advisors deserve more attention and value, and how empathy can be key to building trust with clients. Key Takeaways [02:00] - A brief overview of John's professional career. [03:56] - The story behind the creation of "Total Merrill". [09:54] - Why John thinks that advisors are undervalued. [13:55] - How technology and narrative go together in the advisory business. [17:43] - How empathy is critical in developing a comprehensive advice platform. [21:00] - How empathy plays a role in the narrative of trust. [23:33] - John's three key takeaways. [26:30] - Interesting activities John engages in outside of work. Quotes [10:22] - "There's so much emphasis on product platform and tech, and it's striking to me how little emphasis is on the advisor and how management tends to commoditize the advisor rather than actually leverage the advisor." - John Connors [19:14] - "If you can't walk in and build that empathy based on understanding those issues and those audiences, you can't build that trust" - John Connors Links John Connors on LinkedIn Boathouse Group Merrill Lynch Hill Holliday McCann General Motors The Coca-Cola Company James Gorman Morgan Stanley Paula Polito UBS John Thiel Goldman Sachs NextCapital Folio Investing Empower Retirement Fidelity Investments Vestwell E*Trade Eaton Vance JP Morgan Orion Advisor Solutions Tesla Elon Musk Frank McAleer Raymond James Ben Huneke Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook
Among the most troubling findings in the Inspector General's report is the conclusion that FHFA and Fannie Mae continued to utilize the services of law firms they knew were engaging in abusive and illegal actions against homeowners," But Fannie Mae had continued to include the firm on its retained attorney list, while also continuing to use a Bethesda law firm that last year acknowledged filing foreclosure cases with false signatures, according to news reports. https://www.baltimoresun.com/business/real-estate/bs-bz-mortgage-giant-abuses-20111004-story,amp.html the Department of Justice has reached a $16.65 billion settlement with Bank of America Corporation – the largest civil settlement with a single entity in American history — to resolve federal and state claims against Bank of America and its former and current subsidiaries, including Countrywide Financial Corporation and Merrill Lynch. As part of this global resolution, the bank has agreed to pay a $5 billion penalty under the Financial Institutions Reform, Recovery and Enforcement Act (FIRREA) – the largest FIRREA penalty ever – and provide billions of dollars of relief to struggling homeowners, including funds that will help defray tax liability as a result of mortgage modification, forbearance or forgiveness. https://www.justice.gov/opa/pr/bank-america-pay-1665-billion-historic-justice-department-settlement-financial-fraud-leading --- Send in a voice message: https://anchor.fm/david-nishimoto/message
In today's special episode, Anirudh Singh sits down with classmates and fintech founders Gaby Campoverde, John Garner, and Nate Soffio. They discuss their rising startups, Miren, Card Curator, and Portabl, as well as the impact the Wharton MBA has had on their respective companies. Gaby Campoverde: Gabriela Ariana Campoverde is CEO and Founder of Miren. She is currently an MBA candidate at The Wharton School and Masters in Computer and Information Technology at Penn Engineering. Prior to her graduate studies she worked at a WPP agency, American Express and Goldman Sachs. She is passionate about building products for working-class, immigrant communities across the US and is a proud New Yorker. She studied Art History and Linguistics at Swarthmore College. Website: https://www.getmiren.com/ John Garner: John Garner is the CEO and co-founder of Card Curator, a credit card rewards optimization app. Prior to starting Card Curator, John spent 5+ years as a volatility trader for Merrill Lynch, and left his Wall Street job to follow his real passion: credit card rewards and travel. John went on to invent the Card Curator algorithm called CardArb, which nets its users 5–10% or more in rewards on their daily card spending. He's an expert in all things related to credit cards and free travel, and loves helping others crack the code in the points and miles game with the Card Curator app. John holds a Bachelor of Arts in Economics and Psychology from Dartmouth College, and a Master of Business Administration from the Wharton School of the University of Pennsylvania. Website: https://www.cardcurator.com/ Nate Soffio: Nate is in the home stretch of his MBA at Wharton, where he serves as Co-President of Wharton Fintech. He spent 10 years building and launching identity-focused products at startups in the US and in the UK/ EU, specializing in the know-your-customer (KYC) landscape and privacy-preserving adtech. Right before Wharton, he lead KYC at Arachnys, a QED portfolio company, through its acquisition in 2020. In his spare time, he's a long-distance cyclist and budding rock climber. Website: https://getportabl.com/ For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24
This RICP Specializes In WEP & GPO – How Pensions Affect Your Social Security Benefit Welcome to episode #31 of Social Security: Answers From The Experts with Martha Shedden. In this episode Martha sits down with Christopher Hensley and they discuss his views surrounding how to successful plan for retirement, how to handle Social Security decisions, and what the future of financial planning may look like in our ever changing world. Christopher Hensley is the President and CEO of the Houston First Financial Group, in addition to being a Financial Advisor. He chose to work in the financial services industry because his passion is helping people achieve their life goals. He is licensed by FINRA and holds his series 7, 66, 9, and 10. Christopher received his Retirement Income Certified Professional® designation from the American College of Financial Services. He has worked with such Fortune 500 companies as Merrill Lynch and UBS Financial Services, as well as the non-profit organization MMI- Consumer Credit Counselors Southwest. Here is what to expect on this week's show: A look at what Chris is doing now and why exactly he chose to help people achieve their financial goals as his job. Chris's thoughts on the current situation, concerning inflation and rate hikes. A look at Houston First Financials' Retirement Roadmap System and ‘the 3 Ds'. Some of the effects of the pandemic upon the Social Security Administration. A glimpse of Chris's view surrounding Social Security claiming decisions. What are the most common misconceptions Chris finds his clients have surrounding Social Security? How might the Ukraine – Russia conflict affect retirement planning? Relevant Links: https://www.houstonfirstfinancialgroup.com/ https://moneymatterspodcast.com/ Connect with Chris & Houston First Financial LinkedIn: https://www.linkedin.com/in/christopher-hensley-9584449/ Twitter: https://twitter.com/Christo17630449 Facebook: https://www.facebook.com/moneymattersradio?pnref=story Learn more about your ad choices. Visit megaphone.fm/adchoices
William D. Cohan, a former senior Wall Street M&A investment banker for 17 years at Lazard Frères & Co., Merrill Lynch and JPMorganChase, is the "New York Times" bestselling author of three non-fiction narratives about Wall Street: "Money and Power: How Goldman Sachs Came to Rule the World," "House of Cards: A Tale of Hubris and Wretched Excess on Wall Street" and "The Last Tycoons: The Secret History of Lazard Frères & Co.," the winner of the 2007 FT/Goldman Sachs Business Book of the Year Award. His book, "The Price of Silence," about the Duke lacrosse scandal was published in April 2014 and was also a "New York Times" bestseller. His book, "Why Wall Street Matters," was published by Random House in February 2017. His most recent book, "Four Friends," about four of his friends from high school and what happened to them in their lives, was published in July 2019 by Flatiron Press. His new book, to be published in November 2022, is titled "Power Failure: The Rise and Fall of an American Icon." It is about the astounding rise and precipitous fall of the General Electric Company, once the world's most valuable and respected company.A former longtime special correspondent at “Vanity Fair,” he is a founding partner of “Puck,” a daily digital news and opinion publication. His focus at “Puck” is on Wall Street and the business world, writ large. He is a former columnist for the DealBook section of the “The New York Times.” He also writes for “The Financial Times,” “The New York Times,” “Air Mail,” “Barron's,” “Bloomberg BusinessWeek,” “The Atlantic,” “Town & Country,” “The Nation,” “Fortune,” “The Hollywood Reporter,” and “Politico,”among other publications. He previously wrote a bi-weekly opinion column for “The New York Times” and an opinion column for “BloombergView.” He also appears regularly on CNN, on CNBC, where is a contributor, on MSNBC and the BBC-TV. He has also appeared three times as a guest on the Daily Show, with Jon Stewart, The NewsHour, The Charlie Rose Show, The Tavis Smiley Show, and CBS This Morning as well as on numerous NPR, BBC and Bloomberg radio programs. He was formerly a contributing editor on Bloomberg TV.He is a graduate of Phillips Academy, Duke University, Columbia University School of Journalism and the Columbia University Graduate School of Business. He grew up in Worcester, Massachusetts and now lives in New York City and upstate New York with his wife and, on occasion these days, their two sons.
Eileen spent several years developing Web sites at large companies like IBM and Merrill Lynch before she started working for herself. Now she runs her own Web design and development firm in New York City.https://genuineclass.com/https://www.thewhyinetwork.com/Social: @WhyiNetworkSupport the show
Sonia Balfour-Fears is a Financial Advisor and Global Sports & Entertainment Director with Morgan Stanley. She founded the Fears Group, which was Merrill Lynch's first and only African American mother-daughter wealth management team. Her daughters Rhea and Ayanna join her as we discuss the purpose of The Fears Group, and how they plan on impacting they community.
Sue Stockdale talks to Sanzar Kakar about his life as an entrepreneur in Afghanistan, how he measures success, and how the company pivoted to support the recent humanitarian crisis in the country. Sanzar Kakar is the Chairman of Afghanistan Holding Group, a 13-year-old private firm with 350 Afghan team members that has served over 700 international organizations. Ventures include Moore Afghanistan (accounting and consulting), Afghanet (internet service), Mezan (school), F45 Training (fitness), BusinessDNA (media), Hesab (payments), and BBR (transport). Mr. Kakar graduated from the University of Pennsylvania with a Bachelor of Science in Computer Science Engineering and from Warwick Business School with a Master's in Business Administration. At the University of Pennsylvania, Sanzar served as the Manager of the Wharton Graduate Association. Following his undergraduate degree, he worked for Merrill Lynch as a Technology Analyst on a trading desk for bonds and equities, creating a link for automatic reporting to the New York Stock Exchange.Mr. Kakar started in Afghanistan as an Investment Associate for Acap Partners, setting up a $20 million venture capital facility and sourcing over 300 new deals for consideration. He joined as an Executive Advisor to the Attorney General's Office of Afghanistan on a U.S. Department of State program to reorganize the institution and set up a national paper and computer criminal case management system spanning seven-justice institutions. Later, Sanzar served as the Economic Advisor for the Afghanistan Investment Climate Facility, setting up operational and fiduciary requirements for the seven-year £30 million grant facility in Kabul, followed by a promotion to Deputy Interim Team Leader. Mr. Kakar speaks English, Pashtu, and Dari.Find out more about Afghanistan Holding Group at the website. https://ahg.com.af This series is kindly supported by Squadcast –the remote recording platform which empowers podcasters by capturing high-quality audio and video conversations. Find out more at squadcast.fmKey Quotes:‘I like to start new ventures and new opportunities.'‘I think Afghans in general have an incredible entrepreneurial spirit.'‘It is the greatest humanitarian crisis probably of our lives and anything we can do to try to address it and help people in their time of greatest need, it's an obligation upon us.'‘I'm very much from the technology background, and technology is a lot about scale. You can accomplish a lot of things through technology by making a bigger difference and bigger impact.'‘I'll be able to look back and say, I tried my best and I was able to help the most number of people. And that would be a great measure of success for us.'‘What I learned more and more about myself is that the value of helping others.'‘I'm a very visual person often making charts and diagrams and try to imagine things differently, imagine things, better'.Read the transcription for this episode on www.accesstoinspiration.org and connect with us:Twitter www.twitter.com/accessinspirat1 Facebook www.facebook.com/accesstoinspiration Instagram www.instagram.com/accesstoinspiration LinkedIn www.linkedin.com/company/access-to-inspiration/Sign up for our newsletter http://eepurl.com/hguX2b Read our Impact Report https://bit.ly/3hElalv Sound Editor: Matias de Ezcurra (he/him)Producer: Sue Stockdale (she/her)
Anirudh Singh sits down with Brad Bernstein, Managing Partner at FTV Capital. Brad has been a growth equity investor at FTV Capital for over 18 years, leading investments in enterprise technology & services and financial services. In today's episode, they discuss what drives FTV Capital's success, investments in Enfusion, PlateIQ, Paddle, Ebanx, and LoanPro, and much more! Brad Bernstein: Brad is managing partner and has been a growth equity investor at FTV Capital for over 18 years, leading investments in enterprise technology & services and financial services. Brad has over 25 years of private equity experience. Prior to FTV, Brad was a partner at Oak Hill Capital Management and its predecessors where he managed the business and financial services group. He began his private equity career with Patricof & Company Ventures and started his professional career in the investment banking division of Merrill Lynch in New York. For more FinTech insights, follow us below: Medium: medium.com/wharton-fintech LinkedIn: www.linkedin.com/company/wharton-fintech-club/ WFT Twitter: twitter.com/whartonfintech Anirudh's Twitter: twitter.com/avsingh_24
Episode 12 of Paranormal Stories.This week the books are 'The Messengers: Owls, Synchronicity and the UFO Abductee' by Mike Clelland and 'Always Immortal: Uncovering Past Lives and Life After Death through Hypnotic Regression' By David RippyAs you may know I produce two podcasts, the past lives podcast and the Alien UFO Podcast and it is here that I combine the two. When I have a guests on my podcasts I read their books to research and work out questions for the episodes.When reading these books I always find such fascinating information which never makes it into the podcast and here I get a chance to give you a peek into the book.I did seek permission to record these extracts from the books and the authors kindly said yes.Mike Clelland's 2015 book, The Messengers, was met with high praise. In it he explores the mysterious connection between owls, synchronicities, and UFO abduction. It was his first-hand experiences with these elusive events that have been the foundation for his research. The book is also a personal memoir, and a journey of self discovery. The OwlsOwls seem to a play a shadowy role in the UFO contact experience. They also show up in relation to highly charged events like synchronicities, ancient archetypes, dreams, shamanic initiation, magic, psychedelic hallucination, spiritual transformation, and death. I explore the owl and its connection with these divergent ideas in The Messengers, my first book on UFOs. That book was also my own story of how owls played a role in my life. It was an exploration into the deeply personal questions that arose from my contact experiences. The process of creation was a journey of transformation, and I was a different person when the book was completed.The JourneyI've come to see the entirety of these experiences as both real and unreal. It's as if reality itself is acting as a metaphor, and it's happening for some profound reason. The reason is to wake me up, to make certain that I open my eyes. I'll also say that all these experiences, or maybe the intelligence behind them, have conspired to make me write these books. That's a bold thing to say, but that's how it feels. I have tried to let go and allow the deeper stories to emerge. Like sleeping under the stars on a desert night, this work has been an act of surrendering.Mike is also considered an expert in the skills of ultralight backpacking, and is the author and illustrator of a series of instructional books on advanced outdoor techniques. After 25 years living in the Rockies, he now lives in the Adirondacks.The Messengers: Owls, Synchronicity and the UFO AbducteeWithout question, this is a classic by one of the most exciting new authors in the UFO field today. After reading it, your view of reality will never be the same.The owl has held a place of reverence and mystique throughout history. And as strange as this might seem, owls are also showing up in conjunction with the UFO experience.Mike Clelland has collected a wealth of first-hand accounts in which owls manifest in the highly charged moments that surround alien contact. There is a strangeness to these accounts that defy simple explanations. This book explores implications that go far beyond what more conservative researchers would dare consider.But the owl connection encompasses more than the UFO experience. It also includes profound synchronicities, ancient archetypes, dreams, shamanistic experiences, personal transformation, and death. From the mythic legends of our ancient past to the first-hand accounts of the UFO abductee, owls are playing some vital role.This is also a deeply personal story. It is an odyssey of self-discovery as the author grapples with his own owl and UFO encounters. What plays out is a story of transformation with the owl at the heart of this journey.https://www.amazon.com/Messengers-Owls-Synchronicity-UFO-Abductee-ebook/dp/B08J8BSPTC/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=&sr=Stories from The Messengers: Accounts of Owls, UFOs and a Deeper RealityThis is a companion to the groundbreaking ideas that began with Mike Clelland's earlier book, The Messengers. It is a further exploration into the connection, both symbolic and literal, between owls and UFOs. There is a strangeness to these accounts that defies any simple explanation.Each chapter tells a deeply personal story where these mysterious experiences are explored in depth. The book reads like a collection of short stories. The ancient mythology of the owl is repeating itself within the modern UFO report. What plays out is a journey of transformation, with an owl at the heart of each story.https://www.amazon.com/Stories-Messengers-Accounts-Deeper-Reality-ebook/dp/B08GH6GL9Z/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=&sr=https://messengersthebooks.com/https://mikeclelland.com/This week I'm talking to David Rippy about his book 'Always Immortal: Uncovering Past Lives and Life After Death through Hypnotic Regression'.Few people know that the teachings of reincarnation were taken out of the Bible in 553 A.D. Follow along with these ten clients who recount unique and exciting past lives throughout the ages. Journey along with a client who shares a life as a psychic and seer. Another client recounts an amazing life living as a priest in Mesopotamia leading secret meetings with fellow believers that ran counter to the Roman Pagan influence and religion of the time. Learn about clients' experiences at their soul council meetings and their interactions with archangels, ascended masters, and spirit guides. Learn the divine advice they received on the direction their lives are going now and if they are fulfilling their soul's purpose in this life.BioDavid Rippy is an inspirational author and speaker who seeks to help people live their best lives. At age 25 in the midst of beginning a career at a Fortune 50 company, Dave's life changed dramatically when a car accident left him paralyzed from the shoulders down. Despite this life-altering injury, he formulated a vision for his life. He became determined to fulfill his ambition to become a money manager—and he did. David went on to have a long and successful career, working at both Merrill Lynch and The Vanguard Group. After achieving his own dreams, Dave wanted to help others to reach their own goals and live their best lives in spite of the facing the greatest hardships of their lives. Each of his three books addresses a different facet of existence: the mental, the physical, and the spiritual. He introduces readers to his story of a devastating spinal cord injury and the road to becoming successful in Captain of My Soul: Mastering a Destiny Altered. Then he offers the reader concrete guidelines for living better that's geared toward the disabled yet strings together pearls of wisdom proving valuable for everyone in Powering Through Paralysis: How to Survive & Thrive with Disability or Disease. He takes the reader on a spiritual odyssey of his own explorations of the afterlife via transcriptions of particularly powerful sessions from his hypnotism practice in The Immortal Soul: The Journey to Enlightenment and in the book Meeting Jesus: Hypnotically Regressed Clients Explore their Past Lives & Encounters with Archangels & Ascended Masters. David's most recent book, Texas Blue Moon, is his first novel. He continues to spread his messages of positivity through writing and speaking engagements. He still believes that there are more miracles to come in his life and works toward new goals and aspirations every day.https://www.amazon.com/Always-Immortal-Uncovering-Hypnotic-Regression-ebook/dp/B09TQ44YYQ/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1645998415&sr=8-1https://davidrippy.com/http://www.pastliveshypnosis.co.uk/https://www.patreon.com/pastlivespodcasthttps://www.patreon.com/alienufopodcast
Eric Bandholz was mocked, ridiculed, and told he wasn't allowed to grow facial hair while working as a financial advisor for Merrill Lynch. So, he quit his job and started a beard business. In 2012, Beardbrand was born, and the company has been providing educational and inspirational content to help men ‘Keep on Growing' ever since. Their grooming products for beard, hair, and skin, support a growing online community of 1.8M+ YouTube subscribers. I wanted to talk to Eric because he has built a business dedicated to serving men. So, who better to talk to about becoming a better man! In this episode, we discuss the difficulty of entrepreneurship as a dad, how your relationship with your wife evolves post-kids, and how to intentionally build a life that you love. Key Takeaways with Eric Bandholz Breaking through business burnout and plateaus. Looking in the mirror and loving the man staring back at you. How to live in the present, overcome adversity, and focus on what matters most with The Book of Reminders. How to live a more intentional life. Opening up about struggles with infertility. Balancing fatherhood and entrepreneurship. How your relationship with your wife changes once you're a Dad. What is your role as a husband/father in the first 18 months of parenthood? Carving out quality time with your kids. Understanding your role as a parent. Why there's no quick fix to improving your health. The importance of mental therapy. The Man Flow Yoga Members' Area - 7-Day FREE Trial Want on-demand yoga programs, workouts, tutorials & more? Visit ManFlowYoga.com/join and start your 7-day free trial today. FREE 7-Day Beginner's Yoga for Men Challenge 15-Minute On-Demand Videos No flexibility, no yoga experience required. Noticeable results – feel better, stronger, and move better. BONUS ACCESS! Exclusive Members-Only workout: Head & Neck Essentials Routine Visit ManFlowYoga.com/7dc to start the challenge today! Connect with Dean Pohlman Facebook YouTube Instagram
Why wait until the end of the year to recap the best episodes of this retirement podcast? In 2022, it'll be quarterly. I know you're busy and can't catch all the conversations. But you won't want to miss any of these. A lot of ground was covered in the first quarter of the year, including: How cognitive bias goes beyond financial matters - and why you'll want to think big about your future Why conventional thinking on retirement planning can get in the way of your future The best way to begin working on your worthy goals How to turn the stress of retiring into strength Why the second half of life can be the best half - if you get ahead of the second curve Listen to the full episodes from these links: 5. Think Big – Dr. Grace Lordan 4. An Economist's Take on Retirement Planning – Larry Kotlikoff 3. How to Begin – Michael Bungay Stanier 2. Everyday Vitality – Dr. Samantha Boardman 1. The Second Curve of Life – Arthur C. Brooks Interested in more wisdom? Scan all of the conversations in this retirement podcast here Miss the aBest of 2021? Listen here ____________________________ About Retirement Wisdom A 20+ year retirement is a terrible thing to waste. How will you invest your time after you leave the world of full-time work? Working with an experienced coach and a proven process can help you explore new options, test opportunities and create a portfolio of rewarding activities and interests. Beware of quick fix solutions. Schedule a call to find how how the Designing Your Life process (developed by Bill Burnett & Dave Evans at Stanford) can help you unlock a new direction. One and One and small group programs are available. Take the first step toward your new life today. ___________________________ About Your Host Joe Casey is an executive coach who also helps people design their next life after their primary career. He created his own next chapter after a twenty-six-year career at Merrill Lynch, where he was Senior Vice President and Head of HR for Global Markets & Investment Banking. Today, in addition to his work with clients, Joe hosts The Retirement Wisdom Podcast, which thanks to his guests and loyal listeners, ranks in the top 1.5 % globally in popularity by Listen Notes. Business Insider has recognized him as one of 23 innovative coaches who are making a difference. He's the author of Win the Retirement Game: How to Outsmart the 9 Forces Trying to Steal Your Joy coming this summer. ________________________ Intro and Outro voiceovers by Ross Huguet.
This week I'm talking to David Rippy about his book 'Always Immortal: Uncovering Past Lives and Life After Death through Hypnotic Regression'.Few people know that the teachings of reincarnation were taken out of the Bible in 553 A.D. Follow along with these ten clients who recount unique and exciting past lives throughout the ages. Journey along with a client who shares a life as a psychic and seer. Another client recounts an amazing life living as a priest in Mesopotamia leading secret meetings with fellow believers that ran counter to the Roman Pagan influence and religion of the time. Learn about clients' experiences at their soul council meetings and their interactions with archangels, ascended masters, and spirit guides. Learn the divine advice they received on the direction their lives are going now and if they are fulfilling their soul's purpose in this life.BioDavid Rippy is an inspirational author and speaker who seeks to help people live their best lives. At age 25 in the midst of beginning a career at a Fortune 50 company, Dave's life changed dramatically when a car accident left him paralyzed from the shoulders down. Despite this life-altering injury, he formulated a vision for his life. He became determined to fulfill his ambition to become a money manager—and he did. David went on to have a long and successful career, working at both Merrill Lynch and The Vanguard Group. After achieving his own dreams, Dave wanted to help others to reach their own goals and live their best lives in spite of the facing the greatest hardships of their lives. Each of his three books addresses a different facet of existence: the mental, the physical, and the spiritual. He introduces readers to his story of a devastating spinal cord injury and the road to becoming successful in Captain of My Soul: Mastering a Destiny Altered. Then he offers the reader concrete guidelines for living better that's geared toward the disabled yet strings together pearls of wisdom proving valuable for everyone in Powering Through Paralysis: How to Survive & Thrive with Disability or Disease. He takes the reader on a spiritual odyssey of his own explorations of the afterlife via transcriptions of particularly powerful sessions from his hypnotism practice in The Immortal Soul: The Journey to Enlightenment and in the book Meeting Jesus: Hypnotically Regressed Clients Explore their Past Lives & Encounters with Archangels & Ascended Masters. David's most recent book, Texas Blue Moon, is his first novel. He continues to spread his messages of positivity through writing and speaking engagements. He still believes that there are more miracles to come in his life and works toward new goals and aspirations every day.https://www.amazon.com/Always-Immortal-Uncovering-Hypnotic-Regression-ebook/dp/B09TQ44YYQ/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1645998415&sr=8-1https://davidrippy.com/http://www.pastliveshypnosis.co.uk/https://www.patreon.com/pastlivespodcast