Podcast appearances and mentions of Michael Smith

Beekeepers often think of wax production as something that simply happens when colonies build comb. But what if bees are constantly moving wax throughout the hive, recycling it from one location to another as colony needs change? This week, Jeff and Becky welcome Massachusetts beekeeper Dave Wade to discuss his observations and experiments exploring how honey bees utilize and relocate wax within the colony. Dave's journey into beekeeping began nearly twenty years ago when concerns about pollination of backyard fruit trees led him to a local bee school. Since then, he has become an active member of the Worcester County Beekeepers Association and developed a reputation for practical experimentation and careful observation in the bee yard. The discussion focuses on Dave's work providing supplemental wax directly to colonies. Using strips and rolls of beeswax foundation placed inside frames, Dave has observed colonies rapidly incorporating the wax into comb construction, brood nest expansion, honey storage, and comb repairs. His experiments suggest that bees readily utilize available wax resources, especially later in the season when natural wax production slows. Dave shares results from several years of observations, including the use of colored wax to visually track wax movement within colonies. Collaborating with researchers including Dr. David Tarpy, Dr. Michael Smith, and Dr. David Peck, Dave has documented evidence that bees relocate wax significant distances throughout the hive, supporting brood rearing, honey capping, and comb construction. The conversation explores seasonal wax production, comb reduction, honey-bound colonies, package bee development, plastic versus wax foundation, and practical methods beekeepers can use to encourage comb building later in the season. Dave also discusses how supplemental wax may reduce colony energy expenditures and potentially improve colony productivity. Whether you're establishing new colonies, drawing foundation, managing honey-bound hives, or simply fascinated by honey bee behavior, this episode offers a fresh look at one of the colony's most important building materials. Websites from the episode and others we recommend: Honey Bee Health Coalition: https://honeybeehealthcoalition.org Project Apis m. (PAm): https://www.projectapism.org The National Honey Board: https://honey.com Honey Bee Obscura Podcast: https://honeybeeobscura.com   Copyright © 2026 by Growing Planet Media, LLC     ______________ Betterbee is the presenting sponsor of Beekeeping Today Podcast. Betterbee's mission is to support every beekeeper with excellent customer service, continued education and quality equipment. From their colorful and informative catalog to their support of beekeeper educational activities, including this podcast series, Betterbee truly is Beekeepers Serving Beekeepers. See for yourself at www.betterbee.com This episode is brought to you by Global Patties! Global offers a variety of standard and custom patties. Visit them today at http://globalpatties.com and let them know you appreciate them sponsoring this episode!  As a beekeeper, you want products that benefit you and your bees. When you choose Premier Bee Products, you choose hive components that are healthier for bees and more productive for you. Because we believe that in beekeeping, details make all the difference. Premier Bee Products: Better for bees. Better for beekeepers. Use promo code PODCAST for 10% off your next online order. APIS Tactical is a beekeeping brand focused on innovation. We create a wide range of gear for beekeepers of all types—whether you're managing a few hives or working bees every day. We combine science and artistry to create purposeful, hardworking gear. We're here to help you care for your bees with confidence, so you can focus on what matters most—your hive. Thanks to Strong Microbials for their support of Beekeeping Today Podcast. Find out more about their line of probiotics in our Season 3, Episode 12 episode and from their website: https://www.strongmicrobials.com HiveIQ is revolutionizing the way beekeepers manage their colonies with innovative, insulated hive systems designed for maximum colony health and efficiency. Their hives maintain stable temperatures year-round, reduce stress on the bees, and are built to last using durable, lightweight materials. Whether you're managing two hives or two hundred, HiveIQ's smart design helps your bees thrive while saving you time and effort. Learn more at HiveIQ.com. We'd like to thank Vita Bee Health for supporting the podcast. Vita provides proven tools for controlling Varroa—from Apistan and Apiguard to the new VarroxSan extended-release oxalic acid strips—helping beekeepers keep stronger, healthier colonies. Thanks for Northern Bee Books for their support. Northern Bee Books is the publisher of bee books available worldwide from their website or from Amazon and bookstores everywhere. They are also the publishers of The Beekeepers Quarterly and Natural Bee Husbandry. _______________ We hope you enjoy this podcast and welcome your questions and comments in the show notes of this episode or: questions@beekeepingtodaypodcast.com Thank you for listening!  Podcast music: Be Strong by Young Presidents; Epilogue by Musicalman; Faraday by BeGun; Walking in Paris by Studio Le Bus; A Fresh New Start by Pete Morse; Wedding Day by Boomer; Christmas Avenue by Immersive Music; Red Jack Blues by Daniel Hart; Bolero de la Fontero  by Rimsky Music; Perfect Sky by Graceful Movement; I'm Not Running Away This Time by Max Brodie; Original guitar background instrumental by Jeff Ott. Beekeeping Today Podcast is an audio production of Growing Planet Media, LLC ** As an Amazon Associate, we may earn a commission from qualifying purchases Copyright © 2026 by Growing Planet Media, LLC

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

We got one of People Magazine's "Sexiest Men Alive" - Brian Michael Smith - on Black Fat Femme this week, and we get into discussions about authentic trans narratives, wanting more mediocrity (?!?), and the power of tranformative storytelling. From The L Word: Generation Q and 9-1-1: Lone Star, to his advocacy in film and television, Brian breaks down his journey from sports star to TV star while your favorite cohosts share their hot takes about parasocial relationships, being paid more for less, and some of the "hidden figures" in trans history. We want to hear from you! Send us an email with your thoughts/comments about the show: BlackFatFemmePod@gmail.com. Also, don’t forget to watch and subscribe on YouTube! Buy DoctorJonPaul's book here! Follow the show on social: Instagram | BlueSky | Threads | Tik-Tok | Facebook Follow DoctorJonPaul: BlueSky | Instagram | Website | Tik-Tok Follow Jordan: Instagram | Website | Tik-Tok Follow Brian: Instagram | Website See omnystudio.com/listener for privacy information.

The stone builders reject becomes the cornerstone. God is building a temple — and you're not just a wall. You're a priest in it. Click here to read the sermon “A Spiritual House” 1 Peter 2:4–10 As we begin this morning, I want to thank you for hanging out with me for the past few Sundays. It has been a great time here at Yates. It is always a blessing to be with this corner of God's kingdom. A little heads-up on where we are headed in the next few weeks: I will not be here next week — Marty Childers from the Tri-West Association will be preaching that day — and then I will be back for two Sundays after that. I am excited to come back and spend a couple more weeks with you. Some of you already know — I am kind of like a bad penny. I keep coming back. So as we come to this morning, I want to continue a conversation that I have been having with you for the past few weeks. A couple of weeks ago, the point of the sermon was this: if you are a Christian, you are a saint. Sainthood is not a category reserved for an extraordinary group of Christians. Instead, it is a status bestowed by grace, and it is a calling that we pursue. To be a saint is to be a holy one of God. It means that you have been claimed by God and set aside by God for his purposes. So: you are a saint. Last week we continued that conversation to say this — and that is a good thing. Sainthood is not about being a goody two-shoes who never has fun. It is not about hypocrisy. It is not about being holier-than-thou. No — sainthood is about following Jesus into a vision of humanity. It is following Jesus into the people that God intends and calls us to be. You are a saint, and that is a good thing. Today we are going to move to this: we are saints together. If you are called to be a saint, that is not a lone wolf calling. Instead, you were called into a people. You were called into a community. And that communal piece is central to who we are. To talk about this communal dimension of sainthood this morning, I want to open the Bible with you to 1 Peter chapter two, verses four through ten. Let me give you a little backstory on what is going on in 1 Peter. Peter is writing to groups of people in places called Pontus, Galatia, Cappadocia, Asia, and Bithynia. These are groups of Christians who are falling on hard times because of their devotion to Jesus. The surrounding communities are not being kind to them; they are suffering for the name of Jesus. Peter writes into this setting. Through much of chapter one, he reminds them who they are and what they are called to. He uses different language, but he hits some of the same beats we have been hitting in the past couple of Sundays. In chapter one, verse fifteen, he says: "But just as he who called you is holy, so be holy in all you do; for it is written: 'Be holy, because I am holy'" (1 Pet 1:15, NIV). Peter is reminding these people that they have been called to holiness. They are to follow God into that calling — to reflect God to the communities around them. Then you come to chapter two. Peter gives them a few ways this is supposed to happen. In verse one he writes: "Therefore, rid yourselves of all malice and all deceit, hypocrisy, envy, and slander of every kind" (1 Pet 2:1, NIV). If you are going to be holy, there are certain ways of being that you need to put away — ways of living that do not match the kind of life God is calling you to. And notice: Peter is already intimating the communal character. He says rid yourselves of malice, of deceit, of hypocrisy, of envy, of slander. These are all ways of being that destroy community. Put them away. And instead, Peter writes: "like newborn babies, crave pure spiritual milk, so that by it you may grow up in your salvation, now that you have tasted that the Lord is good" (1 Pet 2:2–3, NIV). Put away the ways of life that are not what God intends for you, and realize that your life of faith is not static. You are meant to grow up in your salvation. You are meant to be nourished by Christ. Which brings us to chapter two, verse four: As you come to him, the living Stone — rejected by humans but chosen by God and precious to him — you also, like living stones, are being built into a spiritual house to be a holy priesthood, offering spiritual sacrifices acceptable to God through Jesus Christ. For in Scripture it says: "See, I lay a stone in Zion, a chosen and precious cornerstone, and the one who trusts in him will never be put to shame." Now to you who believe, this stone is precious. But to those who do not believe, "The stone the builders rejected has become the cornerstone," and, "A stone that causes people to stumble and a rock that makes them fall." They stumble because they disobey the message — which is also what they were destined for. But you are a chosen people, a royal priesthood, a holy nation, God's special possession, that you may declare the praises of him who called you out of darkness into his wonderful light. Once you were not a people, but now you are the people of God; once you had not received mercy, but now you have received mercy. (1 Pet 2:4–10, NIV) It is a well-known and beautiful passage of Scripture. This morning I want to approach it not in order, but by taking up the middle first and then jumping back to the beginning to see how these pieces fit together. The middle — verses six through eight — is all about who Jesus is. To understand what is going on here, you need to understand that Christianity emerged in those first decades as an incredible surprise. Jesus came and fulfilled the role of Messiah, but he did it in a way that was unexpected. Come Good Friday, when Jesus dies on the cross, his followers believe the game is up. We had placed our hope in him, and yet he has died at the hands of the authorities. We must have misplaced our hope — until Resurrection Sunday, when we learn that even the grave could not keep Jesus down. He begins to appear to his followers. It turns out that Jesus really was the Messiah. The resurrection proves that. But he fulfilled that role in an unexpected way, which means we have to go back and reconsider everything that came before. It is kind of like one of those movies where a key piece of information is withheld until the very end. And then once that revelation is finally made, the light bulb goes off. You realize that everything has been leading to that point, and you have to go back and reconsider what came before. It is often such a gut punch that you have to watch the movie again, and as you watch it, you begin seeing clues all the way through. You wonder how you did not see it before. Imagine the disciples. Jesus has been raised from the dead. He really is the Messiah. But that means we have to go back and reconsider all of our preconceptions. As they return to the Scriptures, they start seeing those clues. They start saying: we can read this in light of Christ — in light of who he was, in light of who he is. In fact, Jesus himself had applied the Psalm that mentions a cornerstone to himself (cf. Matt 21:42, NIV). And so the disciples say: Jesus applied that to himself. There are other passages that have stones in them. Those seem to apply to Jesus too. What Peter does in this passage is stack all of these passages about stones and apply them to Christ. It goes like this. In verse six: "See, I lay a stone in Zion, a chosen and precious cornerstone, and the one who trusts in him will never be put to shame" (cf. Isa 28:16, NIV). Then in verse seven: "The stone the builders rejected has become the cornerstone" (cf. Ps 118:22, NIV). And: "A stone that causes people to stumble and a rock that makes them fall" (cf. Isa 8:14, NIV). You can see how these come to be applied to Jesus. Here we have the Messiah who was rejected by the authorities, rejected by the world — and yet it turns out that he was indeed the chosen one of God. The stone the builders rejected has become the cornerstone. Notice the imagery Peter is drawing on. You have people building a building. They find a cut stone and say: that stone is not appropriate for our building; we will discard it. But it turns out that God has chosen that very stone to be not just any stone in the building, not just an appropriate stone, but the cornerstone. The cornerstone is the first stone that is laid in a building. It has to be cut perfectly, because it determines which way the building faces. It determines the angle of the walls. It is the first stone that gives shape to everything else. The stone the builders rejected has become the most important stone in the building. That certainly sounds like Christ. And there is also the promise that the one who trusts in this cornerstone God has laid will never be put to shame. That is us. We put our faith in this cornerstone. We will not be put to shame. But then there is also a stone that causes people to stumble — and we keep seeing people in our communities tripping over this message about Jesus. It is a message about rejection that is actually a message about acceptance and chosenness. The world may be rejecting Christ, but in God's eyes, Christ is the cornerstone: rejected, but actually precious and chosen by God. Remember, these are people experiencing rejection as they are true to Christ in the world. The same thing is true of them. Peter will go on to say: you are a chosen nation. This passage is in part about those who feel rejected actually being those who were chosen. Here is what I want you to see this morning. Peter goes a step further. He really plays on this idea of Christ as the cornerstone. The cornerstone is the first stone in the building. And when you zoom out, you start to see that the cornerstone is part of a larger structure. Go back to verse four: "As you come to him, the living Stone — rejected by humans but chosen by God and precious to him — you also, like living stones, are being built into a spiritual house to be a holy priesthood, offering spiritual sacrifices acceptable to God through Jesus Christ" (1 Pet 2:4–5, NIV). Notice this. Jesus is the cornerstone, the first stone God has laid. And now each and every Christian also becomes a living stone that is built into what is called a spiritual house. That is temple language. The temple is God's special dwelling place on the earth. It does not mean that God is confined to the temple, but this is God's special dwelling. Peter seems to be saying that you have Jesus as this cornerstone, and around Jesus, on Jesus, in tune with Jesus, God is building a temple where he will dwell. You are the people of God. You are God's special dwelling place. Together, you are the spiritual house that God inhabits. You make up the walls of God's temple. And God dwells among you by the Holy Spirit. Jesus is the cornerstone. You are a living stone who, with other living stones, is being built into a spiritual house. But you do not just make up the structure. You are not just part of the walls of the temple. You also make up the ministry group within the temple. Peter goes on to say that God is building you up to be a spiritual house, to be a holy priesthood, offering spiritual sacrifices acceptable to God through Jesus Christ. Not only do you together make up the special dwelling place of God — you are also the priests in God's house. And it is your vocation, both individually and together, to offer up spiritual sacrifices that are pleasing to God through Christ. Spiritual sacrifices has to do with what we do here on Sunday morning. It has to do with proclaiming the deeds of our great God. It also has to do with who we are throughout the week — who we are together, how we pursue this calling of sainthood together. You are part of God's house. You are a minister in God's house. You offer spiritual sacrifices to God. You are a priest. And this is where I want to camp out this morning — this idea of being priests before God. Now this is a place that Baptists love to camp out. How many of you have heard of the priesthood of the believer? We like to hammer home that we do not need a mediator between us and God, because Jesus alone is the mediator between humanity and God. And therefore, as Hebrews says, we can approach the throne of grace with confidence to receive mercy and to find grace (cf. Heb 4:16). So in one sense, we are priests before God. We are able in Christ to approach God without mediation, and we are able to offer sacrifices to God — those spiritual sacrifices we talked about just a moment ago. Priesthood is relationship to God. But here is where I really want to camp out this morning as well. It is not just about our relationship to God. It can also be about our relationship to one another — or maybe we could say it is about our relationship to God with one another. Here, maybe we could talk about sports. Anybody here play golf? Golf is an interesting game because it may be more fun in community — you can go out with other people — but ultimately you do not need anybody else to play golf. Sometimes we think about Christianity like that: it is really just me and God, and maybe sometimes it is more fun when there are other people around, but really I can do this on my own. But what if Christianity is less like golf and more like baseball or soccer? With those kinds of sports, you cannot play by yourself. You can toss the ball up and down, but you really need other people if you are going to play baseball. You can juggle the ball, but you need other people if you are going to play soccer. Christianity — church — is like that. It is a team sport in which we are brought together as the people of God. We approach God together. We serve God together. We pursue God together. It is a communal calling, this priesthood piece. We see this. We come together and we raise our voices together in praise. We seek to be the hands and feet of Jesus to our community together. And yes, we do that individually, but there is something special about when the people of God come together as priests who approach God and who, on God's behalf, approach the world. We are priests before God individually. And we are priests with one another. Do you remember last week, how we talked about how the Holy Spirit is bringing about fruit in our lives? Love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control (cf. Gal 5:22–23). We said: these are good things that we want. This is part of the life that God has for us; this is what God is bringing about. What is interesting about those qualities is that so many of them are communal. Yes, they have an individual aspect, but if you are going to love, you are going to love one another. Joy can be individual, but it is so much sweeter when we are joyful together. Peace — because we need peace among one another. Patience — have you met Baptists? Goodness, faithfulness, gentleness, and self-control. It is as if God is making us able to be community. God is fitting us to be a certain kind of people. We are priests with one another, which means it matters how we are with one another. There is one more piece of this priesthood that I want you to see. This is something that Baptists sometimes overlook, but it is really important. We are also priests to one another. Now that is not because we need a mediator between us and God. It is because God often chooses to work through people. How many of you have ever experienced a moment where a fellow Christian came alongside you and said the right word at the right time? It was almost like God had sent them to you. It was almost like they said the words that you knew you needed to hear from God. Priesthood can also work like that — where on God's behalf, we do the work, we say the words, we hold one another up. It reminds me of a story in Exodus. When the Israelites were attacked by the Amalekites, Moses sent Joshua and the fighting men down to battle. And it says that as long as Moses stood over that battle and held up his staff, they did well. But when Moses began to lower his arms, they began to lose — which becomes pretty problematic, because you can hold your arms up for a while, but eventually you are going to get tired. The way the story goes is that there were two people with Moses: Aaron and Hur. They realized they needed to help him. They pulled up a stone behind Moses so he could sit down, because even just standing had become too much. And then they stood on either side of him and held up his arms (cf. Exod 17:8–13). The Israelites won the battle that day because Moses held up his hands with that staff — and Moses held up his hands because Aaron and Hur gathered around him and helped him with the task. Sometimes church is like that. Have you ever felt like you have got this thing you have to hold up, but you are just so tired? And sometimes God chooses to work through people — to send them around us, to pull up a chair, to hold up our arms. The sainthood thing is not about being a lone wolf. It is about being called into a people. It is about being called together. Together we become the walls of God's temple. And notice how each stone offers support to the stones around it. Not only are you a member of God's dwelling — you are a priest in that dwelling. You are a priest before God. You are a priest with others. And you have the privilege, at times, of being a priest to one another. Yes, we are called to follow Christ and to become who we are called individually to be. And we are also given the privilege of being called into a people. Works Cited The Holy Bible, New International Version. 2011. Grand Rapids: Biblica. © 2026 Michael Smith. All rights reserved.

In this insightful interview, Michael Smith shares his journey from investment banking to creating an alternative education platform focused on private equity, real estate, and wealth-building strategies rooted in faith and clarity. Discover frameworks like the Dominion Framework, the importance of stewardship, and practical investment tips to elevate your financial game.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

What do shoppers actually want in 2026? Do brand vibe, culture, and ethos matter more than the clothes? Is experience-based fashion just better marketing? And what does “integrated fashion” look like when your wardrobe is built around music, sports, clubs, video games, vintage, coffee shops, and the internet?On this episode of Pair of Kings, Sol Thompson and Michael Smith break down the largest survey they've run on fashion preferences, shopping habits, and taste: 1,500+ responses on how people look for, select and justify clothing today. The duo use the season's thesis of “integrated fashion” to interrogate why brand culture matters, how shoppers decide between buying piece-by-piece vs building a full aesthetic, why brand storytelling still works, and what makes a fashion brand captivating enough to hold an audience.We get into Rick Owens, Kozaburo, Rolling Dub Trio, Lost Control cowboy boots, Undercover, Comme des Garçons, Celine, Hedi Slimane, CC41 wartime tailoring, vintage band tees, Bruce Springsteen shirts, KMFDM, Electronic Research Department / ERD, Daft Punk, and controversy-driven fashion marketing.Sol and Michael also discuss Everlane's sale to Shein, sustainability fatigue, ethical fashion, cost per wear, quality vs longevity, resale liquidity, wardrobe economics, consumer inequality, and why the modern fashion industry is selling lifestyles as much as clothing. Further, they ask what sparks the desire to buy: Honey Dijon at Coachella, Saturday Night Fever, The Batman motorcycle jackets, FKA twigs, Interplanetary Criminal, video games, old magazines, X-Files tees, Julian Carter, and archive fashion grails.Other topics include: NYC summer style, Havaianas and flip-flop discourse, Birkenstocks without socks, finance guys in Lululemon khakis and On Running shoes, Kangol hats, men's matching sets, white jeans, World Cup style, vintage soccer jerseys, Newcastle kits, Nike Total 90s, Puma Speedcats, Big Red Boots, brand pop-ups, shock drops, fashion coffee shops, Instagram style discovery, raves, punk shows, clubs, flea markets, Harajuku, Santee Alley, gay clubs, furries, online fashion communities, The Devil Wears Prada 2, whether good marketing can compensate for bad clothes. We hope you enjoy just as much as we did recording.Lots of love!Sol---Episode Tags: fashion podcast 2026, integrated fashion, fashion survey, menswear, streetwear, high fashion, archive fashion, shopping habits, brand culture, experience-based fashion, Rick Owens, Kozaburo, Everlane Shein, sustainable fashion, vintage fashion, World Cup jerseys, Nike Total 90, Puma Speedcat, Celine #fashion #fashionpodcast #rickowens #archivefashion TIMESTAMPS: 0:00 — Intro: 1,300+ Person Integrated Fashion Survey 1:09 — Sol & Michael Introduce the Episode 1:53 — New York Summer Fashion and the Style Reset 2:23 — Fit Check: Birkenstocks, Kapital Denim & Vintage Bruce Springsteen Tee 6:37 — KMFDM Shirt, Vintage T-Shirt Care & Washing Old Tees 7:14 — ERD Daft Punk Shirt, Vintage Resale & Controversial Fashion Marketing 11:42 — NYC Summer Style: Flip-Flops, Havaianas & Birkenstocks 16:27 — Finance Guy Fits: On Running, Lululemon Khakis & No-Show Socks 18:07 — Kangol Hats, Lower East Side Trends & One-Weekend Menswear Fads 20:22 — Matching Sets and Summer 2026 Menswear Predictions 21:16 — White Jeans, Vintage Soccer Jerseys & World Cup Style 25:05 — Everlane, Shein and the Future of Ethical Fashion 26:29 — Sustainability Fatigue and Rick Owens Sustainable Cotton 27:23 — Consumer Economics: Who Fashion Brands Actually Sell To 29:15 — AI Data Centers, Consumption and Environmental Cost 31:10 — Fashion Survey Begins: How Young Shoppers Buy Clothes 32:07 — Do Brand Vibe, Culture and Ethos Matter? 32:44 — Rick Owens, Kozaburo and Buying Into Brand Worlds 35:17 — Wardrobe Building: Piece-by-Piece vs Full Aesthetic 36:06 — Rick Owens Harness Boots and Buying in a Vacuum 40:03 — UJ Militaria, CC41 Wartime Blazer & Archive Menswear 43:00 — Brand Storytelling: Undercover, Sustainability and Fashion Narrative 45:24 — What People Consider Before Buying Clothes 46:14 — Cost Per Wear Debate 50:15 — Sustainability, Ethics, Price, Fit, Resale Liquidity & Durability 52:16 — What Makes People Want to Buy Clothing? 52:41 — Honey Dijon, Coachella, Saturday Night Fever & Cultural Inspiration 56:09 — CDG, Archive Fashion and Mental Catalogs of Grails 56:42 — FKA Twigs, Interplanetary Criminal, Video Games & Fashion Inspiration 57:39 — Do Fashion Influencers Actually Influence Fashion People? 59:38 — The Batman, Motorcycle Jackets & Style Obsession 1:01:13 — Hedi Slimane's Celine “The Dancing Kid” Beanie 1:03:15 — Experience-Based Fashion: Drops, Pop-Ups, Coffee Shops & Activations 1:06:02 — Influencer Gifting, Clothing Waste & FOMO Marketing 1:08:41 — Big Red Boots, Puma Speedcats & Hype Products That Disappear 1:10:01 — Nike Total 90, Slim Soccer Sneakers & Footwear Trends 1:10:20 — Where People Experience Fashion: Raves, Flea Markets, Clubs & Coffee Shops 1:13:37 — Instagram as a Fashion Scene and Style Discovery Tool 1:17:44 — Clubs, Raves and the Anti-Commercial Fashion Scene 1:19:04 — Song of the Week 1:21:58 — The Devil Wears Prada 2, Fashion Movies & Reboot Culture 1:26:37 — Speed Racer, Style Nostalgia & Closing Thoughts 1:26:59 — Outro  #FashionPodcast, #Menswear, #Streetwear, #Fashion, #Style, #FashionCulture, #FashionCommunity, #FashionDiscussion, #FashionAnalysis, #FashionCommentary, #MensFashion, #MensStyle, #ArchiveFashion, #FashionArchive, #VintageFashion, #FashionHistory, #DesignerFashion, #LuxuryFashion, #FashionResearch, #FashionWriting, #IntegratedFashion, #FashionTheory, #FashionConsumer, #FashionShopping, #FashionTrends, #FashionIndustry, #FashionMarketing, #BrandCulture, #FashionConsumerBehavior, #FutureOfFashion, #RickOwens, #CommeDesGarcons, #Undercover, #HediSlimane Sol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a monthLinks:InstagramTikTokTwitter/XSol's Substack (One Size Fits All)Sol's InstagramMichael's InstagramMichael's TikTok

On this episode of our Checking in on the Checkoff series, hosts Bailey Watson and Michael Smith review spring Alabama Beef Checkoff activities, including stockyard visits, regional meetings, and youth programs. They also recap the Beef 101 series, the kickoff of YCLP Class XII, and a NASCAR partnership promotion at Talladega. The episode also highlights upcoming beef promotions, including summer grilling campaigns, and gives listeners a preview of what to expect at the 20th Annual AJCA Round-Up.

Was Dave Macklovitch right about the Hedi Boy revival? Is Hedi Slimane's skinny-jeans-and-leather-jacket universe bigger than fashion? And what happens to musicians when AI can make the record but not the room?Sol and Michael sit down with the podcast's favorite well-dressed unc, Dave Macklovitch of Chromeo, for his second episode and a proper apology tour after the 2025 Hedi Slimane craze proved him right. The trio explore the Hedi Boy phenomenon, Celine skinny jeans, Dior Homme codes, Saint Laurent leather jackets, indie sleaze, Grailed resellers, archive fashion, and why the looks that last are never just clothes—they come with music, photography, nightlife, diet, attitude, community, and a whole lifestyle system.Further, Dave connects that idea to Chromeo, explaining how the band built an 80s funk world through contrast rather than costume, why charisma still matters in the age of Suno AI and AI-generated music, and how the “human avatar” may become even more important as the back end gets automated.They also discuss Kid Cudi's “Day 'N' Nite,” Fool's Gold Records, the birth of modern emo rap, Lil Peep, Yung Lean, Clams Casino, Lil Uzi Vert, Geese, DJ Sneak, Daft Punk, Radiohead, Kanye West, A$AP Rocky, and the strange grace we give artists after their best albums.On the fashion side, they talk Aimé Leon Dore as integrated fashion, Supreme and Dior Homme coffee machines, Rick Owens lifers, Tom Ford's symbolic universe, Haider Ackermann, Berluti cowboy boots, Soshiotsuki, Anthony Vaccarello, Demna at Gucci, Kozaburo, how to interact with Thom Browne on a budget, Balmain by Christophe Decarnin, moto denim, Saint Laurent patina, eBay archive finds, vintage Abercrombie, CDLP, DEVOA, Issey Miyake, and why brands that sell a world—not just a garment—keep winning. We hope you enjoy this one as much as we did.Questions answered in this episode:- Why is Hedi Slimane influential?- What is a Hedi Boy?- Are skinny jeans coming back?- Why are Celine skinny jeans popular again?- What is integrated fashion?- Why do fashion brands sell lifestyle now?- What makes a brand universe successful?- How do music and fashion influence each other?- Why do Supreme, CELINE, Dior Homme, Saint Laurent, Rick Owens, and Tom Ford create such strong cultural identities?- How will AI music change musicians?- Will AI replace artists?- Why does charisma matter in live performance?- Why was Kid Cudi's “Day 'n' Nite” important?- Why is A$AP Rocky considered a fashion artist?- What makes archive fashion valuable?- How do Grailed, eBay, and Discogs shape taste?- What brands are exciting right now? Lots of love!Sol---Episode Tags: Dave Macklovitch, Dave 1, Chromeo, Pair of Kings, Hedi Slimane, Hedi Boys, Celine, Dior Homme, Saint Laurent, integrated fashion, fashion podcast, menswear podcast, archive fashion, indie sleaze, AI music, Suno AI, Kid Cudi, Day N Nite, Fool's Gold Records, A$AP Rocky, Rick Owens, Tom Ford, Haider Ackermann, Demna Gucci, Kozaburo, Soshiotsuki, Thom Browne, Balmain Decarnin, Grailed, vintage menswear#fashionpodcast #chromeo #hedislimane #celine #saintlaurent #diorSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a monthLinks:InstagramTikTokTwitter/XSol's Substack (One Size Fits All)Sol's InstagramMichael's InstagramMichael's TikTok

In Interviews of the Week on 104.3 The Score, sports media personality Michael Smith joined the Cubs for a Cure Radiothon to share his powerful story about his late wife's fight against cancer and the toll the terrible disease takes on a family; Chicago Sports Network analyst Clay Harbor joined the Mully & Haugh Show to share insight on a few free agents who are still available who could be fits for the Bears; and Cubs president of baseball operations Jed Hoyer joined the Rahimi, Harris & Grote Show to discuss the Cubs' recent struggles, center fielder Pete Crow-Armstrong's vulgar comment toward a fan and more.

In Interviews of the Week on 104.3 The Score, sports media personality Michael Smith joined the Cubs for a Cure Radiothon to share his powerful story about his late wife's fight against cancer and the toll the terrible disease takes on a family; Chicago Sports Network analyst Clay Harbor joined the Mully & Haugh Show to share insight on a few free agents who are still available who could be fits for the Bears; and Cubs president of baseball operations Jed Hoyer joined the Rahimi, Harris & Grote Show to discuss the Cubs' recent struggles, center fielder Pete Crow-Armstrong's vulgar comment toward a fan and more.

In Interviews of the Week on 104.3 The Score, sports media personality Michael Smith joined the Cubs for a Cure Radiothon to share his powerful story about his late wife's fight against cancer and the toll the terrible disease takes on a family; Chicago Sports Network analyst Clay Harbor joined the Mully & Haugh Show to share insight on a few free agents who are still available who could be fits for the Bears; and Cubs president of baseball operations Jed Hoyer joined the Rahimi, Harris & Grote Show to discuss the Cubs' recent struggles, center fielder Pete Crow-Armstrong's vulgar comment toward a fan and more.

Cubs for a Cure: Revisiting Michael Smith's powerful story of his wife's battle against cancer (Hour 18) full 2417 Fri, 22 May 2026 09:10:45 +0000 wiV8CvcVGusAVQgRqX4NENiuWNU0Weto sports Best of 104.3 The Score sports Cubs for a Cure: Revisiting Michael Smith's powerful story of his wife's battle against cancer (Hour 18) Best of 104.3 The Score Best of 104.3 The Score is a curated snapshot of the station at its best, delivering the standout moments Chicago sports fans don't want to miss. Featuring top interviews, expert commentary, and memorable segments from across the lineup, the podcast covers everything from Bears Sundays and Cubs summers to Bulls, Blackhawks, and White Sox headlines. Whether you're catching up or reliving the biggest conversations of the day, Best of 104.3 The Score brings the voices, stories, and debates that power Chicago sports talk into one easy listen. © 2026 Audacy, Inc. Sports

Cubs for a Cure: Michael Smith calls back in and more of your calls (Hour 14) full 3246 Fri, 22 May 2026 04:37:50 +0000 M2qPgiUiToMKG5ftysfkU3qCBFjVYmp0 sports Best of 104.3 The Score sports Cubs for a Cure: Michael Smith calls back in and more of your calls (Hour 14) Best of 104.3 The Score Best of 104.3 The Score is a curated snapshot of the station at its best, delivering the standout moments Chicago sports fans don't want to miss. Featuring top interviews, expert commentary, and memorable segments from across the lineup, the podcast covers everything from Bears Sundays and Cubs summers to Bulls, Blackhawks, and White Sox headlines. Whether you're catching up or reliving the biggest conversations of the day, Best of 104.3 The Score brings the voices, stories, and debates that power Chicago sports talk into one easy listen. © 2026 Audacy, Inc. Sports https://player.am

Cubs for a Cure: Michael Smith & Ian Happ get emotional remembering their loved ones (Hour 7) full 2784 Thu, 21 May 2026 22:19:32 +0000 zisNOYly8Lu3pklXmUCYPJib6NTvX3pV sports Best of 104.3 The Score sports Cubs for a Cure: Michael Smith & Ian Happ get emotional remembering their loved ones (Hour 7) Best of 104.3 The Score Best of 104.3 The Score is a curated snapshot of the station at its best, delivering the standout moments Chicago sports fans don't want to miss. Featuring top interviews, expert commentary, and memorable segments from across the lineup, the podcast covers everything from Bears Sundays and Cubs summers to Bulls, Blackhawks, and White Sox headlines. Whether you're catching up or reliving the biggest conversations of the day, Best of 104.3 The Score brings the voices, stories, and debates that power Chicago sports talk into one easy listen. © 2026 Audacy, Inc. Sports h

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3566: Michael Smith shows how quickly unchecked credit fraud can unravel someone's career opportunities, insurance costs, and peace of mind, and how persistence, organization, and vigilance helped rebuild both financial stability and confidence. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/02/the-price-of-inattenton/ Quotes to ponder: "She unwound a horrible situation, worked her way out of it by spending hours fixing it and documenting every conversation she had and she now feels invincible financially." "My take away from her case is that we must all be aware of what is going on in our financial life." "If we fail to pay attention, it's possible for bad things to be happening beneath the surface." Episode references: Credit Karma: https://www.creditkarma.com Credit Sesame: https://www.creditsesame.com Annual Credit Report: https://www.annualcreditreport.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3566: Michael Smith shows how quickly unchecked credit fraud can unravel someone's career opportunities, insurance costs, and peace of mind, and how persistence, organization, and vigilance helped rebuild both financial stability and confidence. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/02/the-price-of-inattenton/ Quotes to ponder: "She unwound a horrible situation, worked her way out of it by spending hours fixing it and documenting every conversation she had and she now feels invincible financially." "My take away from her case is that we must all be aware of what is going on in our financial life." "If we fail to pay attention, it's possible for bad things to be happening beneath the surface." Episode references: Credit Karma: https://www.creditkarma.com Credit Sesame: https://www.creditsesame.com Annual Credit Report: https://www.annualcreditreport.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3566: Michael Smith shows how quickly unchecked credit fraud can unravel someone's career opportunities, insurance costs, and peace of mind, and how persistence, organization, and vigilance helped rebuild both financial stability and confidence. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/02/the-price-of-inattenton/ Quotes to ponder: "She unwound a horrible situation, worked her way out of it by spending hours fixing it and documenting every conversation she had and she now feels invincible financially." "My take away from her case is that we must all be aware of what is going on in our financial life." "If we fail to pay attention, it's possible for bad things to be happening beneath the surface." Episode references: Credit Karma: https://www.creditkarma.com Credit Sesame: https://www.creditsesame.com Annual Credit Report: https://www.annualcreditreport.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3565: Michael Smith shares the unsettling story of a woman whose trust was shattered after her fiancé secretly stole her identity and destroyed her credit. As the truth unraveled, she faced emotional devastation, mounting debt, and a complicated recovery process that ultimately sparked a remarkable personal transformation. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/02/the-price-of-inattenton/ Quotes to ponder: "The fun part for me was getting updates on her progress and seeing the change in her voice, posture and energy level as things got better." "The worst part of that was that the perpetrator was her fiancé, who is now an ex-fiancé with a warrant out for his arrest." "Telling a complete stranger (me) that story took incredible bravery on her part and she was emotionally drained after telling me how she got into that situation." Learn more about your ad choices. Visit megaphone.fm/adchoices

In Episode 56 of the West Aurora 129 Podcast, Superintendent Dr. Michael Smith welcomes Jewel Middle School special education teachers Mia Gianfrancesco and Heather Van Lear for a conversation about mentorship, relationships, and supporting students with diverse needs. Mia, a second-year teacher in a self-contained classroom, and Heather, a veteran educator and mentor teacher, reflect on the connection they've built through the district's teacher induction program and how that support system helps new-to-SD129-educators grow with confidence. The episode also offers an inside look at the different roles special education teachers play in supporting students academically, socially, and emotionally. Tune in for an encouraging conversation about collaboration, growth, and the relationships that help both students and teachers thrive in West Aurora School District 129.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3565: Michael Smith shares the unsettling story of a woman whose trust was shattered after her fiancé secretly stole her identity and destroyed her credit. As the truth unraveled, she faced emotional devastation, mounting debt, and a complicated recovery process that ultimately sparked a remarkable personal transformation. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/02/the-price-of-inattenton/ Quotes to ponder: "The fun part for me was getting updates on her progress and seeing the change in her voice, posture and energy level as things got better." "The worst part of that was that the perpetrator was her fiancé, who is now an ex-fiancé with a warrant out for his arrest." "Telling a complete stranger (me) that story took incredible bravery on her part and she was emotionally drained after telling me how she got into that situation." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3565: Michael Smith shares the unsettling story of a woman whose trust was shattered after her fiancé secretly stole her identity and destroyed her credit. As the truth unraveled, she faced emotional devastation, mounting debt, and a complicated recovery process that ultimately sparked a remarkable personal transformation. Read along with the original article(s) here: https://www.financialfinesse.com/2015/01/02/the-price-of-inattenton/ Quotes to ponder: "The fun part for me was getting updates on her progress and seeing the change in her voice, posture and energy level as things got better." "The worst part of that was that the perpetrator was her fiancé, who is now an ex-fiancé with a warrant out for his arrest." "Telling a complete stranger (me) that story took incredible bravery on her part and she was emotionally drained after telling me how she got into that situation." Learn more about your ad choices. Visit megaphone.fm/adchoices

Who was Stanley DeSantis? Why is a 2004 Slipknot tee selling for $2,000? And what does a Daft Punk Roulette residency shirt have to do with how fashion brands sell you a lifestyle in 2026?Sol Thompson and Michael Smith return from their Neuehouse live recording for Episode 3 of Pair of Kings Season 14, continuing the season's deep dive into integrated fashion — the symbiotic loop where brands, hobbies, and ephemera matter more than the clothes. This week the boys go solo on the post-COVID explosion of the vintage band tee resale market and the story of Stanley DeSantis, the late character actor turned licensing impresario whose 90s company Passing For Sane made some of the most collectible all-over print T-shirts ever: X-Files, Aeon Flux, Spawn, Wizard of Oz, Speed Racer, Beavis and Butt-Head, Gone With the Wind, Pink Panther, Independence Day. The man licensed everything.Sol and Michael unpack why vintage T-shirts became fashion's most contested asset class: NYC's 8x vintage multiplier, why Slipknot Iowa-era merch and Daft Punk Vegas Roulette tees command four-figure resale on eBay and Whatnot, single stitch vs. double stitch hems, and the rodent-brain instinct of saving a Dub Tribe Sound System eBay search for years. They revisit the Miu Miu Literary Club through intellectual signaling (Simone de Beauvoir, Fumiko Enchi), the Aimé Leon Dore x Porsche 993 Turbo collab, defend RRL as American integrated fashion's original blueprint, and confront the imposter syndrome of wearing someone else's faded jeans.Other topics: Hedi Slimane Dior Homme resale gatekeeping, Charlie XCX Pop 2 merch as a future grail, the $3,700 Lady Gaga Schott Perfecto, why Akira and Ghost in the Shell tees became NFTs from first principles, scenecore and metalcore history (Suicide Silence, Dance Gavin Dance, The Used, Odd Future), Graceland Ridgewood, Rick Birkenstocks, and a moment for the goat — Stanley DeSantis, 1953–2005.Brought to you by ScentSplit. Tune in next week for a conversation on the artist as avatar.Lots of love!SolTags: Stanley DeSantis, Passing For Sane, vintage band tees, 90s licensed apparel, all over print t-shirts, integrated fashion, Pair of Kings podcast, fashion podcast 2026, menswear podcast, Slipknot Iowa shirt, Daft Punk Roulette, Hedi Slimane Dior Homme, Lady Gaga Fame Monster, Charlie XCX Pop 2, Aimé Leon Dore Porsche, Miu Miu Literary Club, RRL, Aeon Flux shirt, X-Files vintage, Ghost in the Shell tee, NYC vintage multiplier, Graceland Ridgewood, scenecore, archive fashion, ephemera fashionSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a monthLinks:InstagramTikTokTwitter/XSol's Substack (One Size Fits All)Sol's InstagramMichael's InstagramMichael's TikTok

When musician Michael Smith couldn't find an audience for his music, he manufactured it. By unleashing thousands of bots to listen to thousands of fake AI-generated songs on Spotify and other platforms, Smith earned millions in royalties before getting caught.Resources:North Carolina Musician Charged with Music Streaming Fraud Aided by Artificial Intelligence — U.S. Department of JusticeNorth Carolina Man Pleads Guilty to Music Streaming Fraud Aided by Artificial Intelligence — U.S. Department of JusticeIndictment: United States v. Michael Smith — U.S. Department of Justice PDFSpotify says it now has more than 100 million songsSpotify Q4 2025 Earnings ReportAlthough the songs and listeners were fake, the millions of dollars Smith stole was real — MusicRadarSpotify's fake artists problem gets weirder with AI-generated albums — The VergeArtificial Streaming — Spotify for ArtistsHow Royalties Work on Spotify — Spotify Loud & ClearDeezer launches artist-centric payment systemBillie Eilish Was Discovered on Spotify and SoundCloud Before Global Fame — Rolling StoneSofi Tukker on Streaming Success and Spotify DiscoverySend us Fan MailSupport the show

 Is fashion still just about clothes? Why are cars, watches, and Formula 1 the new menswear? What does Aime Leon Dore have to do with Porsche, and why, in an age of automation, are buyers paying a premium for things that are...worse?Sol Thompson and Michael Smith sit down with Wesley Breed, the New York-based influencer, storyteller, and car enthusiast who pivoted his fashion platform into automotive content, to unpack the rise of "integrated fashion": the symbiotic loop between brands, hobbies, and identity that's redefining men's style in 2026.Recorded live at Neuehouse, the trio dig into how taste is built across cars, clothing, and watches, why hyper-niche content outperforms mass content on social media, and why mid-century craft is making a comeback. We continue to chat about Wesley's charity car show, how Adidas reframed Mercedes-AMG F1 with the Y-3 collection at the Miami Grand Prix, Yohji Yamamoto's soccer kits, why Nike's stock keeps tumbling while Adidas eats their lunch, Nike ACG sponsoring the F.A.T. Ice Race in Montana with Ferdi Porsche, Meyers Manx, and Tuttle, the Porsche Carrera GT hammering for $6.7M at Amelia Island, and why pre-exit Helmut Lang and Raf Simons-era Prada hold value.We don't just cover fashion; we discuss Aime Leon Dore x Porsche collabs, Lewis Hamilton's Rick Owens and Kartik Research wardrobe, Mario Balotelli as the original unintentional style icon, the Puma Speedcat's roots in Michael Schumacher's Ferrari race boots, Why AI drives buyers towards things they can feel, and watches from Casio to Patek Philippe complications. Plus: Frank Ocean wearing Jenny Holzer at Panorama, white Ferrari t-shirts, NYU Gallatin self-designed majors, Wesley parting with his Margiela, Comme des Garcons, and Rick Owens archive for comfort, Kozaburo as the designer to watch in 2026, the Green Street SoHo car meet scene, and why loving the thing beats owning it.Hope you enjoy as much as we did recording. Huge thanks to Neuehouse for hosting us and everyone that came!Lots of love!SolTags: Wesley Breed, Pair of Kings podcast, integrated fashion, men's fashion 2026, fashion podcast, Aime Leon Dore, ALD Porsche, New Balance 574, F1 fashion, Mercedes F1 Adidas, Y-3 Yohji Yamamoto, Nike ACG, F.A.T. Ice Race, Ferdi Porsche, Meyers Manx, Porsche Carrera GT, Lewis Hamilton style, Mario Balotelli fashion, watch culture 2026, Patek Philippe, CasioSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a monthLinks:InstagramTikTokTwitter/XSol's Substack (One Size Fits All)Sol's InstagramMichael's InstagramMichael's TikTok

Alex Moss and Burton DeWitt are back with a new episode of your go-to darts podcast after the latest Players Championship double header!   The boys kick off the show with a look back at this week's ProTour action in Milton Keynes and discuss the latest history-making title for Beau Greaves, who became the first woman to win a ProTour title, as well as reflect on the runner-up Michael Smith almost ending his two-year title drought.   Leon Weber (20:19) calls in after a busy last week in Milton Keynes which saw him win two Development Tour titles. The German looks back on his title double as well as his career in the game so far, from taking up darts during the pandemic to winning his first PDC tour card at European Q-School last year. Leon reflects on a nervy final day at last year's Q-School, how his life has changed after joining the PDC tour full-time, making his mark on the European Tour in his debut season, and his hopes for the rest of 2026 and his main goal to qualify for the PDC World Darts Championship for the first time.   The boys continue their review of the last seven days in darts by giving their thoughts on the weekend's Development Tour action in Milton Keynes, which saw Sebastian Bialecki and Leon Weber pick up a pair of titles each.   Denmark's Jonas Graversen (52:25) joins the show after securing a debut in the PDC World Cup of Darts this summer. The former semi-professional footballer explains how he switched from football to darts, making an immediate impact on the PDC Nordic & Baltic Tour in 2024 and beating Jeffrey de Graaf on his way to a first semi-final, an elbow injury last year that slowed down his progress on the oche, the close race for the Denmark World Cup team this year and earning his spot on the final day before the cut off on Sunday, as well as outlining his aims for the future including a return to Q-School and to one day become a professional.   Join the Darts Strava King group on Strava *** Get your own Alex Moss replica shirt (as worn by our co-host at the Las Vegas Open 2026) from DJD here! A % of the profits will be donated to The Ethan King Fund for Ewing Sarcoma Research *** This podcast is brought to you in association with Darts Corner - the number one online darts retailer! Darts Corner offers the widest selection of darts products from over 30 different manufacturers.  This podcast is sponsored by Darts Atlas - the platform for darts players, venues, and organisations. Darts Atlas is the home of the Amateur Darts Circuit (ADC) with hundreds of tournaments held on the platform every week.  Have you used Darts Atlas before? Share your feedback and experiences with Darts Atlas with us by sending an email to weeklydartscast@gmail.com and be in with a chance of winning some new logo Weekly Dartscast stickers! Check out Condor Darts here: UK site *** Enjoy our podcast? Make a one-off donation on our new Ko-Fi page here: ko-fi.com/weeklydartscast Support us on Patreon from just $2(+VAT): patreon.com/WeeklyDartscast Thank you to our Patreon members: Phil Moss, Gordon Skinner, Connor Ellis

Hosts: Ed Jones (Owner – Nutrition World) & Clint Powell A variety of topics all related to living a healthy lifestyle Presented by: Nutrition World www.nutritionw.com Broadcasting from the Nooga Dentistry Studio www.noogadentistry.com Production of: Whitfield Media Group www.vitalhealthradio.com Show Summary & Time Stamps: Title: Peak Span Living: A2 Milk, Oxalates, and AI-Optimized Health [0:00:00] Intro, and Today's Agenda Ed previews today's focus: A1 vs. A2 milk Ed's “Where did Ed eat this week in Chattanooga?” food rundown. [0:02:43] “Where Did Ed Eat?” – Restaurant Choices & Macro Strategy Ed's restaurant decision “trifecta”: Macros & food quality (close to the earth, protein and fats quality). Type of fat (prefers healthy fats; brings his own olive oil). Carbs ≤ 60 grams per meal when possible. Stops & comments: Maple Street Biscuit Company – Impressed overall; chooses a bowl (eggs, bacon, avocado, tomato, feta) instead of biscuits to keep carbs lower. Doc Holiday (Hixson) – Tallow-cooked foods, excellent broccoli, “biker bar” vibe but friendly. Miller's Ale House – Fresh salad with olive oil only; hamburger steak (no gravy) with mushrooms/onions; occasional baked potato post–workout for carbs. Acropolis – Long-time favorite; good quality foods. Only criticism: no real butter for steak (avoids margarine). Portofino – Typically orders shish kebabs (high protein, low carb), with broccoli and salad; brings own olive oil.  Harry's at Hamilton Place – Custom “Lexatonian” salad, light dressing, double ground beef = high protein, moderate carbs, low fat (adds olive oil). Transition: Ed mentions hiring PR expert Amy Summers (NYC) to push Nutrition World and The Holistic Navigator onto national TV. [0:08:36] New Ebooks & Key Health Themes Ed outlines his growing ebook library (free at theholisticnavigator.com/resources): Sleep: Strategies for improving restorative sleep. “Are You Sick and Tired of Being Sick and Tired?”  Food choices Nutrients Ed's personal ~68 pills/day longevity stack (not a recommendation, but max-longevity model). Immune System: Maintenance + what to do “when under the weather.” Oxalates:How certain “healthy” foods (oxalates) can destroy joints and drive pain. Core Four: If you only take four supplements, which foundational ones matter most from Ed's 47 years of observation. (Coming) Using AI to massively optimize health & fitness – Ed uses AI multiple times a day to optimize training, eating, supplements, and protein for his upcoming Chattanooga Fitness bodybuilding contest (11 weeks out). Quick side notes: Iodine nasal spray – New formulation he and Clint like: less burn, better value, used 2–3x/day. Reminder about Best of the Best local voting, including Nutrition World and podcast nominations. [0:15:38] Fruits/Veg & Lung Cancer Article, Glyphosate, and “Health Halo” Effect Topic: Article headline – more fruits and vegetables linked to higher lung cancer risk (under age 50). Ed's three-part interpretation: Glyphosate (Roundup) exposure: More produce = more glyphosate, unless it's clean. References Dr. Zach Bush's work on glyphosate and chronic disease. Suggests Fire Hawk herbicide (sold at Nutrition World) as a glyphosate-free yard option (dehydrates plants rather than poisoning). Fear as a toxin – Long-term fear can crush health, even when intentions are to “eat healthy.” Health halo compensation effect: Study reviewed by Dr. Greger (nutritionfacts.org): Adding healthy foods to fast-food menus led people to eat more unhealthy items: “If I eat the salad/broccoli, I can have double fries + dessert.” Psychological “armor” effect from one healthy choice leading to more indulgence. [0:19:38] Supplements, Safety Fears, Herbs & Tryptophan Case Discussion of fear-driven headlines around herbs and liver toxicity: Example: a Chinese herb flagged for liver issues; deeper read shows cases involved people also on multiple drugs. Comfrey is the one herb Ed agrees shouldn't have been sold widely due to genuine liver toxicity (Nutrition World doesn't sell it). Tryptophan contamination incident (25–30 years ago): One bad overseas batch contaminated in production (likely bacterial issue). Resulted in deaths, but: Problem was manufacturing contamination, not tryptophan itself. Takeaway: Quality and clean manufacturing are crucial. Long-standing, widely used herbs/supplements would have more robust safety signals by now if they were truly dangerous. [0:21:41] Toilet Paper Chemicals & “Real” Brand Recommendation Ed cites testing from Mamavation on toxic chemicals in toilet paper: Concern: endocrine-disrupting chemicals (EDCs) that can be absorbed through sensitive, moist tissue. Ed's preferred brand at Nutrition World: Reel: 3-ply, No inks, dyes, BPA and made from bamboo. “Lower-chemical” grocery-store options from the Mamavation testing: Angel Soft 230+ Cottonelle Mega Ultra Kirkland Bath Tissue (Costco) Trader Joe's toilet paper Quilted Northern Ultra Plush Clint's push: Rather than memorize brands and chemistry, just shop where you trust the vetting (e.g., Nutrition World). [0:25:03] A1 vs. A2 Milk, Lactose Intolerance & Ancient Nutrition A2 Study discussed (Chinese adults, n=600): Compared: Conventional milk (contains A1 beta-casein) vs A2-only milk (contains A2 beta-casein). Key findings: Reduced GI symptoms (bloating, abdominal pain, etc.) with A2 milk. Benefits observed across different age groups, both lactose absorbers and malabsorbers. Implications: Many who believe they're lactose intolerant may actually be reacting to A1 casein, not lactose. A2 milk/protein could allow some to tolerate dairy better. Practical angle: Ed personally drinks Ancient Nutrition A2 protein and tolerates it very well. Clint notes some standard protein drinks upset his digestion. [0:27:11] Autism, EMFs, and Mitigation Tools Framing: Autism as a systems issue, not a single-disease point. Cites Dr. Martha Herbert's perspective: Autism may develop from environmental irritants that excite the brain: Toxins (e.g., mercury, glyphosate) Allergens EMFs (electromagnetic fields) Vaccine adjuvants/excipients, etc. EMFs & mitigation: Ed acknowledges we can't avoid EMFs (phones, Wi-Fi, 5G), but we can reduce exposure. Tools Ed uses: SafeSleeve phone case: Claims ~90% EMF reduction; Ed's own measurements suggest ~60%. Effective when phone is close to the body. Blue Shield EMF devices: Plugs in, emits “healthy EMF” fields that may reduce impact of other EMFs. Ed uses a ~$500 model in his bedroom. Mentions BlueShield.com, discount code “nutworld”. [0:30:40] Paternal Exercise & Offspring Fitness (MicroRNA Study) Citing work discussed by Peter Attia: Paternal exercise before conception can improve offspring endurance capacity. Mechanism: changes in sperm microRNA profiles. Mouse model: Transferring RNA from fit to unfit mice improved fitness traits in offspring. Ed's takeaway: Yet another compelling reason for men to exercise before having children. Wonders if his own daughter benefited from his lifelong fitness. [0:35:37] Peak Span, Aging, Sleep, Mouth Tape & Oxalate Pain Ed defines “Peak Span” as: The period of life where we maintain near-optimal health, vitality, and energy (like our 20s). Notes U.S. spends $5.1 trillion on healthcare (18% of GDP) yet ranks 35/36 among high-income countries in outcomes. Mistakes shortening peak span: Poor diet (inflammatory foods, bad fats, high carbs). Confusion around what “healthy eating” means. Underestimating small daily habits. Sleep: 25% of Americans have diagnosable insomnia, ~50% have occasional insomnia 1st big issue: loss of sleep rhythm: Irregular bedtimes fragment circadian patterns. Recommends going to bed within 1 hour of the same time most nights. Single high-impact change: stop mouth breathing at night. Ed has used mouth tape for ~25 years. Benefits: less anxiety, better restorative sleep (cites James Nestor's “Breath”). Uses an Oura Ring and sees notable improvements with mouth taping. Pain & Oxalates: Ed's history: 25 years of rotating pains; then severe hip pain leading to bilateral hip replacement. Suspects long-term high oxalate diet as a major contributor. High-oxalate foods he over-consumed: Spinach Beets Almonds & almond butter Raspberries and other known high-oxalate foods. Source: Sally Norton's “Toxic Superfoods”. Elimination approach: No perfect test; best method is removing high-oxalate foods and observing. Often, pain temporarily worsens in 2–4 weeks as oxalates mobilize, then improves. Result: Now, near age 69, Ed reports zero pain after hip replacements + oxalate restriction. [0:44:14] Using AI as a Health & Fitness Coach Ed uses AI (specifically ChatGPT) as a: Training coach for his bodybuilding prep (11 weeks out). Nutrition advisor and accountability partner. Inputs: Goals and timeline. Age, weight, health status. Photos of himself. Photos of every meal (taken at a 45° angle). AI provides: Calorie and macro estimates (calories often “spot on”). Advice: “Too much / too little,” adjust protein/fat/carbs. Day-to-day training and nutrition refinements. Role vs. human coaching: Doesn't replace human experts; can complement them. Ed still believes in a “team” approach (quality practitioners + AI). [0:46:00] Where to Find Ed's Content & Resources Ed's main platforms: TikTok: “Nutrition World Tennessee” – many short-form health and performance clips (especially athletics). Website: nutritionw.com – hub for: Store Articles, videos, education. The Holistic Navigator (theholisticnavigator.com): Home for his ebooks (sleep, immune, oxalates, core four, AI & health, etc.). Long-form educational content. Podcasts / Radio: Vital Health Radio – full archive at vitalhealthradio.com and all major podcast apps. Other shows hosted or shared via noogapodcasts.com (Clint's platform). [0:52:21] Melatonin, Sleep, Cold Therapy, and Upcoming Peptide Episode Melatonin: Notes that ~99% of melatonin on the market is synthetic. Issues some people experience with synthetic forms: Vivid dreams & Inconsistent sleep quality. Recommends Symphony brand: Plant-derived melatonin, not synthesized. Immune aspects: Mentions integrative cancer doctors using high-dose melatonin in protocols. References Dr. Michael Smith discussing high-dose melatonin in COVID on The Holistic Navigator. Cold therapy & gout: Dr. Greger review: cold-water immersion for gout: 20 minutes/day in cold water for a few weeks: ↓ pain, stress, anxiety, depression. ↑ joint mobility, activity, quality of life. For general muscle pain, cold immersion: Only helps during immersion; no lasting benefit. Heat is more beneficial for ongoing muscle pain after the acute phase. Exception: first ~24 hours post-injury when cold can curb acute inflammation (classic RICE). Peptides & future content: Mentions RFK Jr. and the possibility of peptide injections reaching shelves with regulatory shifts. The post Radio Show / Podcast – April 26, 2026 first appeared on Vital Health Radio.

In Episode 55 of the West Aurora 129 Podcast, Superintendent Dr. Michael Smith is joined by West Aurora High School senior and student board representative Dexter McWilliams for a student-centered conversation on the district's “off and away” cell phone policy. Dexter shares his journey through SD129, highlighting the relationships, activities, and experiences that shaped his high school years, while offering an honest perspective on how the policy has impacted learning and classroom culture. The discussion explores both the challenges and unexpected benefits, including increased focus, stronger peer connections, and improved productivity. Tune in for a thoughtful look at this initiative through the lens of a student voice and what it means for the future of learning at West Aurora.

Why does every fashion brand run a coffee shop? How did a Stussy varsity jacket network from the late 1980s predict the business model of modern fashion? What does used spray paint have to do with why Miu Miu is one of the most effective brands in the world right now?Sol Thompson and Michael Smith open Season 14 of the Pair of Kings Podcast with a level set: the history of integrated fashion—the idea that buying clothes has always really been about buying into a lifestyle, a cult of personality, and an identity. Starting in 2014 at the height of Tumblr's image-first culture and tracing the full arc through Supreme drop culture, the grail sneaker peak, the outfit grid, the crash of sneaker resale, the rise of archive fashion, and the TikTok lifestyle-as-content revolution, they map how men's relationship with fashion fundamentally changed.They cover the Stüssy Tribe as fashion's original brand ambassador model—featuring Hiroshi Fujiwara, Michael Kopelman, and a pre-Supreme James Jebbia—the Supreme x LV collab as the undisputed peak of drop culture, Kith Treats and Cafe Leon Dore as the architects of the fashion third space, and the Miu Miu Literary Club as the most transparent example of what fashion brands are actually selling. We also touch on Demna's debut Gucci collection and his philosophy as a fashion anthropologist, the Hedi Slimane Saint Laurent Hedi boy cult of personality, the runway appearances of looksmaxxing and body dysmorphia, Vivienne Westwood and punk as integrated fashion's original historical anchor, the CBK/JFK aesthetic overtaking downtown New York, and what it means when even finance bros start buying Celine suits on purpose.Michael's fit: Wabash denim from Sugar Cane, Flat Head houndstooth flannel.Sol's fit: a Daft Punk Musique Vol. 1 CD release tee and a North Face layer.We hope you enjoy it as much as we did making it.Lots of love,Sol---Episode Tags: integrated fashion, fashion lifestyle, menswear history 2026, drop culture history, grail sneakers, Stussy Tribe, Supreme x Louis Vuitton collab, archive fashion rise, sneaker resale crash, StockX history, Cafe Leon Dore, Kith Treats, fashion third space, Miu Miu Literary Club, Miu Miu girl, Demna Gvasalia Gucci 2026, Hedi Slimane Saint Laurent, Hedi boy aesthetic, Vivienne Westwood punk, looksmaxxing fashion, CBK JFK New York aesthetic, finance bro style 2026, Patagonia vest, Tumblr fashion era, outfit grid, KOTD, Instagram reels fashion, Hiroshi Fujiwara, James Jebbia, A$AP Rocky fashion, Rick Owens darkwear, archive PDF, menswear podcast 2026, Pair of Kings podcast, fashion podcastSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a monthLinks:InstagramTikTokTwitter/XSol's Substack (One Size Fits All)Sol's InstagramMichael's InstagramMichael's TikTok

Michael “Valentine” Smith is a co-founder of CFAR (the Center for Applied Rationality) and the author of influential LessWrong essays including The Hostile Telepaths Problem, Kenshō, and The Intelligent Social Web. He's also been described as “one of the most powerful wizards in the Bay Area.”In this conversation, he explains why your brain creates fog and self-deception to survive social situations, what it actually takes to find clarity, and why "working on yourself" might be the wrong frame entirely. We also do a live coaching demo debugging my own procrastination. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit themetagame.substack.com

KFC's new ‘Pickle Mania' menu includes Pickle Pepsi, air-fried pasta salad, the meteor that fell over Houston, Texas, crawfish outlook strong despite early harvest delays, who's the worst passenger to sit next to on a three-hour flight, singer-songwriter Michael Smith pleads guilty to defrauding music streamers out of millions using AI, fashion's 20-year rule is now backed up by math — plus more news. 

In Episode 54 of the West Aurora 129 Podcast, Superintendent Dr. Michael Smith sits down with Dr. Robert Halverson, Superintendent of East Aurora School District 131, for a crosstown conversation rooted in shared experiences and community. They reflect on their similar paths from classroom teachers to district leadership and the mentors and relationships that shaped their journeys. The discussion highlights how those lessons influence their leadership today, while also looking ahead to expanded opportunities for students and stronger East-West collaboration. Tune in for a thoughtful look at leadership, partnership, and the shared commitment to supporting every student in Aurora.    

We're checkin' on the Checkoff as hosts Michael Smith and Bailey Watson highlight Alabama Checkoff events upcoming on the calendar this spring season. The lineup includes Beef 101 sessions, stockyard visits, the Young Cattlemen's Leadership Program, and upcoming youth events like the Spring Youth Field Day, state beef cook-off, and the AJCA Cattle Working Contest. The duo also preview AJCA Round-Up and this weekend's happening event— the 69th Annual SLE Rodeo. Saddle up, it's springtime! 

For this week's Grass10 grazing management update, John Maher discusses the importance of getting animals out grazing and why on/off grazing is the best approach to get going. Plus, getting the farm ready to move and having fertiliser ordered and in the yard will allow farms to take the opportunity spread when conditions allow Meanwhile, Michael Smith from Ballyjamesduff, Co. Cavan is this week's featured farmer. Read more from this week's Grass10 newsletter and subscribe for weekly updates at:https://bit.ly/Grass10-10thMarch  For more episodes from the Dairy Edge podcast go to the show page at:https://www.teagasc.ie/animals/dairy/the-dairy-edge-podcast/ The Dairy Edge is a co-production with LastCastMedia.com

In this powerful episode of the Millionaire Car Salesman Podcast, host LA Williams, the Blind Phone Master, sits down with Michael Smith, Sales Professional at Fort Wayne Toyota Lexus, for a conversation that goes far beyond the typical dealership success story. "Either you have a positive mindset, and you feel like you overcome it, or you can say, woe is me, and be negative and just give up. Well, I'm never the type to give up." - Michael Smith Michael's journey into the automotive industry didn't follow a traditional path, and along the way, he faced a life-altering challenge that would have forced many people to give up entirely. Instead, it became the catalyst for a completely different level of determination, perspective, and success. "There was something that kept you fighting, right? There was something that deep down inside of you said, I'm not done yet." - LA Williams  What unfolds in this episode is a deeply human discussion about resilience, mindset, and what it really takes to build a lasting career in automotive sales. Michael shares the philosophy that has shaped his approach to customers, relationships, and personal growth, offering insights that challenge the transactional mentality often found in the car business. "I want to make sure that I'm leaving in a better place than it was when I started in the business and that people know it's the most important thing." - Michael Smith From redefining adversity to building meaningful connections with customers, this episode reveals how mindset, patience, and purpose can transform both a career and a life. If you've ever wondered what separates those who simply sell cars from those who truly build something bigger, this conversation will leave you thinking long after the episode ends.   Key Takeaways: ✅ Michael Smith overcame a life-changing stroke and returned to the automotive sales industry with even greater success, proving that resilience is key in any professional journey. ✅ Building genuine relationships with clients is fundamental to long-term success in car sales, as emphasized by Michael's approach to customer service. ✅ Michael transitioned from a legal career to automotive sales and found equal financial success, demonstrating the lucrative potential of the car sales industry. ✅ The stroke prompted Michael to develop patience and a deeper appreciation for the intricacies of human connections, fueling his sales approach. ✅ Embracing a positive mindset and refusing to live down to anyone's expectations has been a crucial part of Michael's recovery and professional achievements.   About Michael Smith Michael Smith is a seasoned professional in the automotive sales industry currently selling cars at Fort Wayne Toyota/Lexus. Formerly a lawyer, Michael transitioned to automotive sales more than a decade ago, where he quickly excelled. He is a dedicated salesperson at Fort Wayne Toyota Lexus and has consistently sold a substantial number of cars each month. His career in sales was notably marked by resilience and adaptability following a life-changing stroke in 2013. Despite the setbacks, Michael returned to the sales floor with a renewed focus on customer relationships and helping clients meet their transportation needs.   Navigating Life's Curveballs: Lessons from a Car Salesman's Resilient Journey   Key Takeaways: Embracing adversity is pivotal for growth; resilience is a non-negotiable trait in both personal and professional life. Building genuine relationships in the automotive sales industry creates lasting success. Maintaining an environment of empathy and understanding elevates not only personal triumphs but also impacts the broader business atmosphere. The Power of Resilience in Overcoming Adversity Resilience is a quintessential element in life, especially when facing unforeseen challenges that test the limits of human strength and determination. This sentiment is exemplified by Michael Smith, a car salesman at Fort Wayne Toyota Lexus, who recounted his experience dealing with a stroke while at work. "The biggest one is that on 1226 of 2013, I had a stroke while I was at work," Michael states. This moment marked a watershed in his life, illustrating the stark, unpredictable realities of life and work. Despite this adversity, Michael's story offers valuable insights into the heart and resolve required to navigate life's unexpected paths. Michael's narrative is a testament to the importance of resilience: "Well, I'm blessed in that… my cognitive abilities… didn't lose them." He turns what others might see as limitations into unique attributes, highlighting that resilience is not merely a reaction to adversity, but a commitment to overcoming it. His story encourages others in any field of work to continue pushing forward, regardless of the hurdles they face. Building Relationships: The Heartbeat of Sales Success In the competitive world of automotive sales, the power of relationship-building cannot be understated. Michael, once a practicing lawyer, found himself drawn to the car sales industry, driven by "the desire to help people." His approach was grounded in authenticity and care, making it clear that successful sales professionals prioritize the human element in transactions. Michael's philosophy in sales is straightforward: "Make it a relationship." In doing so, he not only sells vehicles but also builds trust and long-lasting connections. "Strangers become friends, and friends become family," he shares, describing how he manages to cultivate loyalty and return business. The relational approach he champions is critical for those aiming to not only survive but thrive in sales. "My clients are my friends," he states confidently. This principle is not just a strategy but a creed, underscoring the integral role of empathy and honest communication in fostering client loyalty. In a business often perceived as transactional, Michael demonstrates the profound impact of genuinely caring about the people behind the transactions. Compassion and Empathy: The Secret Ingredients for Leadership and Success Adversity often reshapes perspectives, revealing the significant role of compassion and empathy in effective leadership. For Michael, experiencing a life-altering stroke has influenced his approach to engaging with both clients and colleagues. He stresses the importance of patience and understanding, advocating for a more compassionate view of others' behaviors. This epiphany stems from his firsthand experience with challenges, rendering him more insightful: "There's not enough listening to other people that goes on." Michael's newfound appreciation for human complexities informs his dealings, prompting others to appreciate the significance of empathy in daily operations and leadership. His story transforms the abstract notion of empathy into a tangible, daily practice. "People… they want to help," he reveals. The ability to understand and share feelings amplifies trust and cohesion within a team, while enhancing the dealership's overall customer experience. Michael's journey serves as a compelling reminder that leadership grounded in empathy can catalyze positive business transformations. Michael Smith's journey underscores an indispensable journey of resilience, relationships, and empathy. These themes carve a path to not only personal success but transformative leadership within the automotive industry. For any professional striving for excellence, the lessons imparted by Michael's life story are as practical as they are inspiring. His perspective invites us to reconsider the way challenges are perceived. By nurturing genuine connections and leading with understanding, professionals can adhere to what Michael exemplifies—a life and career driven by purpose, resolve, and unyielding resilience. This mindset, when applied to business and beyond, fosters an environment where true fulfillment and success can thrive.     Resources + Our Proud Sponsors: ➼ The Millionaire Car Salesman Facebook Group: Join the #1 Automotive Sales Mastermind Facebook Group with over 29,000 automotive professionals worldwide. The Millionaire Car Salesman Facebook Group is the go-to community for car salespeople, BDC agents, sales managers, general managers, and dealer principals looking to increase performance, income, and leadership skills. Inside the group, members collaborate daily on automotive sales strategies, lead handling, phone scripts, closing techniques, CRM best practices, dealership leadership, and accountability systems. Learn directly from top automotive trainers, industry mentors, and high-performing sales leaders who are actively winning in today's market. If you're serious about growing your automotive career, increasing car sales, and building long-term success, join The Millionaire Car Salesman Facebook Group today! ➼ Dealer Synergy: Dealer Synergy is the automotive industry's #1 Sales Training, Consulting, and Accountability Firm, with over 20 years of proven dealership success nationwide. We specialize in helping car dealerships increase sales, improve processes, and build high-performing Sales, Internet, and BDC departments from the ground up. Our expertise includes automotive phone scripts, rebuttals, CRM action plans, lead handling strategies, BDC workflows, Internet sales processes, management training, and accountability systems. Dealer Synergy partners directly with dealership leadership to align people, process, and technology, ensuring consistent results and scalable growth. From independent dealers to large dealer groups and OEM partnerships, Dealer Synergy delivers measurable performance improvements, stronger teams, and sustainable profitability. ➼ Bradley On Demand: Bradley On Demand is the automotive industry's most advanced interactive training, tracking, testing, and certification platform for car dealerships — built to develop top-performing teams across Sales, Internet Sales, BDC, CRM, Phone Skills, Leadership, and Management. In addition to LIVE virtual automotive training classes and a library of 9,000+ on-demand dealership training modules, Bradley On Demand now includes AI Phone Roleplaying and Coaching to help salespeople and BDC agents practice real dealership conversations before they ever get on the phone with customers. This AI-powered roleplay technology strengthens phone scripts, objection handling, appointment setting, lead follow-up, and closing skills, while providing measurable coaching feedback for continuous improvement. Bradley On Demand empowers dealerships to train faster, coach smarter, improve call performance, increase closing ratios, and sell more cars more profitably — all through structured, trackable, modern automotive training.

Is the United States a fascist state? There is an authoritarian in the White House, systemic racism is rampant, our cities and towns are being militarized, concentration camps are under construction, and our politicians are controlled by corporations. Clearing the FOG speaks with longtime activist and lawyer, Michael Smith, host of Law and Disorder and editor of the new book, "From the Flag to the Cross: Fascism American Style", about where the United States is on the path to fascism, what we can expect and what we can do to change course. Smith explains what socialism is and why it is the solution for those who believe in democracy. For more information, visit PopularResistance.org.

Join the Conversation at 303-477-5600 or text to 307-200-8222. Monday - Friday from 3 pm - 6 pm MT. HOUR 1 Is America on the brink of another endless war—or witnessing a swift strategic reset in the Middle East? In Hour 1, John Rush dives headfirst into the escalating conflict with Iran, pushing back against what he calls political fear-mongering from both sides. Do you really need to “gun up,” or is that just opportunism wrapped in panic? John breaks down the War Powers Act, defends presidential authority, and calls out Colorado lawmakers for repeating what he sees as scripted talking points. Is Congress misunderstanding the Constitution—or deliberately distorting it? And could this conflict be over in weeks, not years? He also shares a powerful story from a recent trip to Cabo—an encounter with a self-deported immigrant that sparks a bigger question: Should America create a fast-track path for productive, merit-based citizenship? Plus, insight from caller John on sleeper cells, the Strait of Hormuz, and whether Governor Jared Polis is quietly positioning himself for a 2028 presidential run. Is Iran collapsing faster than the headlines suggest? And is the political class ready for what comes next? HOUR 2 Is the spike in gas prices real—or just market emotion? John opens Hour 2, breaking down oil at $70 a barrel and explaining why America is far less dependent on Middle East imports than a decade ago. Are we reacting to headlines instead of facts? He then tackles the political fallout from the Iran strikes, arguing critics misunderstand presidential war powers—and suggesting deeper ideological roots behind today's anti-Trump sentiment. Is cultural conditioning shaping the national divide more than we realize? The mood shifts when Richard Rush joins the show to talk NASCAR and leadership. How did Michael Jordan's 23XI Racing make history by winning the first three races of the season? Is greatness transferable—and could Jordan's ownership revive the sport? The hour wraps with a car review of the 2026 Toyota Grand Highlander Hybrid Max Platinum—a three-row SUV blending hybrid efficiency, 362 horsepower, all-wheel drive, and family-focused practicality without requiring a plug-in. Is this the sweet spot for modern families? HOUR 3 Hour 3 of Rush To Reason dives straight into high-stakes global politics and Colorado controversy. John Rush welcomes Jim Pfaff of The Conservative Caucus to break down the escalating conflict with Iran. Is this a calculated, strategic reset of the global stage? Could weakening Iran reshape Russia, China, and even Ukraine? And is President Trump executing a bold, short-term operation—or taking a historic gamble? The War Powers Act, congressional authority, and America's long-term foreign policy all come under the microscope. Later, Michael Smith, State Director for the National Federation of Independent Businesses (NFIB), joins John to sound the alarm on Colorado's HB 1054. Is this really about worker safety—or a new layer of regulation that could crush small businesses? What happens when state government stacks enforcement on top of federal OSHA? John also tackles Denver Mayor Mike Johnston's order to shield residents from ICE. Can a city legally interfere with federal immigration enforcement—or is this political grandstanding aimed at national headlines? Big questions. High stakes. You won't want to miss it. Guest Timestamps 1:09 – Jim Pfaff – The Conservative Caucus. https://theconservativecaucus.com/ 29:08 – Michael Smith, National Federation of Independent Businesses (NFIB) https://www.nfib.com/

Join the Conversation at 303-477-5600 or text to 307-200-8222. Monday - Friday from 3 pm - 6 pm MT. HOUR 1 Is America on the brink of another endless war—or witnessing a swift strategic reset in the Middle East? In Hour 1, John Rush dives headfirst into the escalating conflict with Iran, pushing back against what he calls political fear-mongering from both sides. Do you really need to “gun up,” or is that just opportunism wrapped in panic? John breaks down the War Powers Act, defends presidential authority, and calls out Colorado lawmakers for repeating what he sees as scripted talking points. Is Congress misunderstanding the Constitution—or deliberately distorting it? And could this conflict be over in weeks, not years? He also shares a powerful story from a recent trip to Cabo—an encounter with a self-deported immigrant that sparks a bigger question: Should America create a fast-track path for productive, merit-based citizenship? Plus, insight from caller John on sleeper cells, the Strait of Hormuz, and whether Governor Jared Polis is quietly positioning himself for a 2028 presidential run. Is Iran collapsing faster than the headlines suggest? And is the political class ready for what comes next? HOUR 2 Is the spike in gas prices real—or just market emotion? John opens Hour 2, breaking down oil at $70 a barrel and explaining why America is far less dependent on Middle East imports than a decade ago. Are we reacting to headlines instead of facts? He then tackles the political fallout from the Iran strikes, arguing critics misunderstand presidential war powers—and suggesting deeper ideological roots behind today's anti-Trump sentiment. Is cultural conditioning shaping the national divide more than we realize? The mood shifts when Richard Rush joins the show to talk NASCAR and leadership. How did Michael Jordan's 23XI Racing make history by winning the first three races of the season? Is greatness transferable—and could Jordan's ownership revive the sport? The hour wraps with a car review of the 2026 Toyota Grand Highlander Hybrid Max Platinum—a three-row SUV blending hybrid efficiency, 362 horsepower, all-wheel drive, and family-focused practicality without requiring a plug-in. Is this the sweet spot for modern families? HOUR 3 Hour 3 of Rush To Reason dives straight into high-stakes global politics and Colorado controversy. John Rush welcomes Jim Pfaff of The Conservative Caucus to break down the escalating conflict with Iran. Is this a calculated, strategic reset of the global stage? Could weakening Iran reshape Russia, China, and even Ukraine? And is President Trump executing a bold, short-term operation—or taking a historic gamble? The War Powers Act, congressional authority, and America's long-term foreign policy all come under the microscope. Later, Michael Smith, State Director for the National Federation of Independent Businesses (NFIB), joins John to sound the alarm on Colorado's HB 1054. Is this really about worker safety—or a new layer of regulation that could crush small businesses? What happens when state government stacks enforcement on top of federal OSHA? John also tackles Denver Mayor Mike Johnston's order to shield residents from ICE. Can a city legally interfere with federal immigration enforcement—or is this political grandstanding aimed at national headlines? Big questions. High stakes. You won't want to miss it. Guest Timestamps 1:09 – Jim Pfaff – The Conservative Caucus. https://theconservativecaucus.com/ 29:08 – Michael Smith, National Federation of Independent Businesses (NFIB) https://www.nfib.com/

In Episode 53 of the West Aurora 129 Podcast, Superintendent Dr. Michael Smith centers the conversation on a core question in the district's strategic framework: what it really means to support every learner. Joined by Kelly Cook, Assistant Director of Multi-Tiered Systems of Support (MTSS), and Carlos Guillen, Community Agency and Restorative Practices Coordinator, Dr. Smith explores how strong Tier 1 instruction, structured responsive teaching time (SRTT), and restorative practices work together to meet students' academic, social-emotional, and behavioral needs. The discussion highlights a shift from “wait to fail” to early identification and proactive support—building consistent expectations, relationships, and psychological safety so students can learn and grow. Tune in for a clear, behind-the-scenes look at the systems and mindsets that help SD129 serve all students, all the time.

Michael Smith is a lifelong swimmer whose relationship with water began at age nine in a small Ohio town with no high school pool. Instead, he had a YMCA, grit, and a first-generation college mindset that later led him to a double major in business management and humanities, advanced graduate work, and a Six Sigma Black Belt. That early path led him to national-level swimming competition, a decades-long pause, and then a powerful return to the sport at age 60. Now 68, Mike remains a pure swimming sprinter who thrives on speed, competition, and continuous improvement. He competes against elite swimmers and former Olympians, chases personal bests, and credits swimming as essential to his mental health and resilience. With his dad cheering from the stands, Mike's story is about rediscovery, discipline, and proving it's never too late to come back stronger.Send a text

Why are men's style guides just glorified affiliate link shopping lists? What should a real style guide for men actually teach you? And how do you build a wardrobe you love without spending a fortune?On the Season 13 finale, Sol and Michael tear apart the modern men's style guide — from GQ and Esquire to The Rake — and expose why today's fashion advice is failing young men. We do what none of those guides bother to do: share real, practical styling tips that will actually make you dress better, starting today. No affiliate links. No product lists. No bullshit.The duo covers how to find a good tailor (and why a $100 vintage suit tailored for $600 beats a $1,000 suit off the rack), why you need to wear your clothes and break them in instead of babysitting them for resale value, how to stop treating clothing as an investment piece, the right way to wash and care for your garments, why trying clothes on in person matters more than ever, how to build your personal style by copying first and evolving over time, and why patience and eBay alerts will get you everything you want for a fraction of retail.They also rant about "end game" brand gatekeeping, Our Legacy, why influencer fashion has broken people's brains, Raf Simons resale culture as a Ponzi scheme, and the forgotten art of just wearing a beat-up Oxford shirt to work every day like a Thom Browne employee. Plus: fit checks featuring a 1971 US military fishtail parka with original blanket liner, Rick Owens drawstring pants and Uggs, a FedEx customs horror story, Joe Pesci's golf fits, the season wrap-up, and a $250 giveaway.We hope you enjoy this one as much as we loved making it. Season 14 returns in four weeks.Lots of love!Sol---Episode Tags: men's style guide 2026, how to dress better, menswear tips, men's fashion advice, style tips for men, how to find a tailor, build a wardrobe on a budget, personal style for men, fashion podcast, Pair of Kings podcast, GQ style guide critique, affiliate link fashion, Rick Owens, Thom Browne, Raf Simons resale, Our Legacy, military surplus fashion, fishtail parka, vintage menswear, garment care tips, eBay fashion finds, streetwear, archive fashion, men's wardrobe essentials, how to wear your clothes, investment piece myth, fashion for young men, Gen Z menswear, dressing well in your 20s, fit check, fashion criticism 2026, break in your boots, tailoring advice Sol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a month Links: Instagram TikTok Twitter/X Sol's Substack (One Size Fits All) Sol's Instagram Michael's Instagram Michael's TikTok

Paul Jay joins Maria Hall, Jim Lafferty, and Michael Smith on the Law and Disorder radio show. They discuss his upcoming documentary How to Stop a Nuclear War, based on extensive interviews with Daniel Ellsberg and narrated by Emma Thompson. Jay reveals how post-World War II economic decisions drove nuclear weapons expansion, explaining why the Soviet threat was largely manufactured according to declassified CIA documents. He breaks down why Trump's proposed “Golden Dome” missile defense system actually increases nuclear war risk, discusses the dangers of AI in nuclear command and control, and outlines seven concrete steps citizens can demand to reduce the threat of nuclear catastrophe, including ending presidential sole authority to launch nuclear weapons and negotiating new arms control treaties. Learn more at stop-nuclear-war.org or visit theAnalysis.news for ongoing investigative journalism.

What does it take to throw the most viral murder mystery parties in New York City? How do you go from pin-up modeling in Pittsburgh to walking for Vaquera at Paris Fashion Week? What happens when Rick Owens calls your name at a casting—but not for the runway?Sol and Michael sit down with Born DuBois—model, stylist, creative director, personal shopper, and the woman i-D Magazine called "A Star is Born"—for her very first podcast. Born has quietly become one of the most interesting people in New York fashion, juggling more jobs than anyone can count while throwing immersive murder mystery dinner parties that have attracted everyone from Interview Magazine stylists to Ella Emhoff.The trio get into everything: how Born writes 20-page plays for her murder mysteries with no outline, her Vaquera runway debut and the surreal experience of having her face printed on the entire collection at Paris Fashion Week, a Maybelline casting where she showed up in a latex bodysuit and was asked to dance, her ASAP Rocky audition that became a monologue about Amish country, accidentally getting high on cold medicine for a Nike billboard shoot at Madison Square Garden, moving to New York to get on SNL, getting kicked out of improv class for being too funny, the story behind her Numero Berlin cover, styling on a $300 budget, and why Lady Gaga's Joanne changed her life while she was shredding papers in a freezing basement. We also chat about Phantom of the Opera, Rick Owens trying to shave her eyebrows for TikTok, street casting in NYC, designing mugs on the Lower East Side, and Balenciaga Speed Hunters. We hope you enjoy as much as we did recording!Lots of love!SolEpisode Tags: Born DuBois, murder mystery party NYC, viral murder mystery, fashion model podcast, i-D Magazine, Vaquera runway, Vaquera Paris Fashion Week, Rick Owens casting, Nike model, Maybelline casting, modeling audition stories, fashion industry jobs, immersive theater NYC, fashion podcast 2026, menswear podcast, Numero Berlin, ASAP Rocky, street casting NYC, modeling career advice, fashion styling tips, Ella Emhoff, Prada, Balenciaga Speed Hunters, personal shopping on a budget, Paris Fashion Week model, Lady Gaga Joanne, Pair of Kings podcast, how to throw a murder mystery party, how to become a model, creative director fashion, thrift fashion, vintage clothing NYC, fashion week behind the scenes, dinner theater New YorkSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a month Links: Instagram TikTok Twitter/X Sol's Substack (One Size Fits All) Sol's Instagram Michael's Instagram Michael's TikTok

Episode 124 - Before sunrise on July 16, 1945, the New Mexico desert became the epicenter of a new and terrifying era. The Trinity test—the world's first nuclear explosion—changed the planet forever, without warning the tens of thousands of people living nearby. In the years that followed, families across surrounding communities began to suffer mysterious and devastating health effects. They became known as the Downwinders—ordinary people living with the consequences of an extraordinary and closely guarded secret. This episode explores Downwind, a world-premiere opera by student composers Michael Smith and Demian Galvan. After traveling to New Mexico to better understand the land and the legacy of Trinity, the composers bring these often-ignored stories to the stage. As Smith writes, “While the family in our opera is fictional, the reality that they face is not.” Together, we examine the history, the harm, and the haunting beauty of a work that asks a powerful question: what does progress cost—and who is made to pay the price? Ticket Sales Link - https://music.utexas.edu/events/5255-downwind  

Is Raf Simons finally back? Is Rick Owens still the GOAT? Did Jonathan Anderson fumble his AW27 Dior menswear show? Why does Dsquared2 keep putting giant furry hats on models—and why do we respect it?Sol and Michael break down 2026's Paris Fashion Week and Milan Fashion Week with their most unfiltered runway reviews yet. Which designers are cooking? Which creative directors are washed? Find out.RUNWAY REVIEWS:Prada FW26: High button holes, dirty French cuffs, and silhouettes echoing early Raf archive (Riot Riot Riot era). A genuine return to form—dressing cool young people, not runway theater.Rick Owens "TOWER": Military fashion without cosplay. Exaggerated shoulders replace traditional epaulets. Comparisons to Concordians, Porterville, Hollywood, Temple, and Lido—this might be his best of the past 5 years.Jonathan Anderson — Dior Men's AW27: Paul Poiret references and "heritage meets subversion" press notes that don't translate.Dsquared2 FW26: Dean and Dan Caten deliver giant furry hats, Olympic ski aesthetics, and jacked models with chiseled jawlines.Ralph Lauren FW26: Is Ralph pandering to the Aime Leon Dore and Bodé crowd? Vintage Polo Sport looks feel five years late to the Lower East Side menswear revival. But the tailoring buried later—velvet tuxedos, opera loafers, herringbone Chesterfields, cutaway collars—still hits.Balenciaga FW26 (Pierpaolo Piccioli): Post-Demna disappointment. Zara-coded varsity bombers, incoherent lookbook energy.Soshio Otsuki — Pitti Uomo 2026: The Japanese designer making YSL-inspired power suits for men. Double-breasted blazers for $600, Boro stitching collabs, jumpsuit-illusion suiting.Also discussed: Demna's Gucci debut, Louis Vuitton under Pharrell, London vs. New York street style, British tailoring culture, Rolling Dub Trio and Kozaburo boots, making a horse leather Birkin, and whether Dolce & Gabbana discourse is just an easy accountability checkbox.QUESTIONS ANSWERED:→ What did Raf Simons show at Prada FW26?→ Who is the best designer of 2026?→ Who is the new Dior menswear creative director? → Is Ralph Lauren copying Aime Leon Dore? → What happened to Balenciaga after Demna? → Who is Soshio Otsuki? → What is the high button hole trend? → What are the best Paris Fashion Week FW26 collections? → London vs. New York: Who dresses better?Sol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a month Links: Instagram TikTok Twitter/X Sol's Substack (One Size Fits All) Sol's Instagram Michael's Instagram Michael's TikTok

What does a creative director actually do at a major fashion publication? Is Chrome Hearts still worth the investment in 2026?  How did vintage Bape become the gateway drug for an entire generation of streetwear obsessives? And why is Rick Owens' FW14 Moody still influencing how we dress today?We sit down with Paul Heavener, Creative Director at Hypebeast, for a deep dive into his decade-long journey from Bape Talk forum moderator to leading one of fashion media's most influential creative teams. Paul shares stories about discovering Bape in a college dorm in 2005, his first fake hoodie, lining up outside in NYC for shark hoodies, and how internet fashion forums shaped streetwear culture before Instagram existed.Sol and Michael also chat with Paul about his obsession with Rick Owens (specifically the FW2014 Moody show, crop Stooges, and the Little Joe jacket), his complicated relationship with Chrome Hearts and their disappearing customization services, and why he now hunts for 1930s French workwear instead of hyped releases. We break down the rise of Golf as a hyped area of men's fashion and post-COVID individual sports culture, how Hypebeast balances legacy readers with Gen-Z audiences, the return of print magazines as collector's items, and why the anime-to-fashion pipeline is more real than ever.Finally, Paul reveals his favorite emerging designers (Professor E, Taiga Takahashi, Camiel Fortgens), explains how Hypebeast's creative studio actually operates, and shares his path from intern to creative director.Whether you're interested in breaking into fashion media, understanding how creative direction works at scale, hunting for archive pieces, or just want to know what the creative director of Hypebeast wears day-to-day (spoiler: Ann Demeulemeester jeans, Rick Owens long sleeves, and Chrome Hearts jewelry), this episode delivers.For extra episodes, early access to episodes, and giveaways, subscribe to our HeroHero!Episode Tags: Hypebeast interview 2026, A Bathing Ape, Nigo streetwear, Chrome Hearts jewelry, Chrome Hearts 2026, archive fashion, menswear podcast, fashion media career, creative director career, fashion editorial, streetwear trends 2026, French workwear vintage, Hype Golf, golf fashion 2026, golf streetwear, Hypebeast magazine, menswear trends 2026, Lady Machine DJ, fashion industry podcast, high fashion podcast, JoJo Bizarre Adventure fashion, Paul HSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a month Links: Instagram TikTok Twitter/X Sol's Substack (One Size Fits All) Sol's Instagram Michael's Instagram Michael's TikTok

What's the best men's cologne in 2026? Is Orto Parisi worth the hype? What does "grassy" mean? How do you actually describe how something smells without sounding pretentious?In the 2026 Scentacular, Sol and Michael sit down with over 50 fragrance samples (thank you, ScentSplit!) to answer these questions and more to create the ultimate 2026 fragrance guide for men.  The duo dive deep into niche perfume houses like Orto Parisi, Serge Lutens, Frederic Malle, and Amouage—reviewing cult classics like Megamare, Jubilation XXV, Cowboy Grass, and Carnal Flower.They discuss why the fragrance industry is booming right now (hint: lipstick theory), how TikTok perfume influencers are changing the game, and dive deep into the trendy ingredients (like ambroxan) that give modern fragrances their smell and insane longevity. Further, Sol shares his new favorite daily wear from Story MFG's collaboration with master perfumer Joseph, and Michael finally reveals what that mysterious "plastic" note is that he's been chasing for years.We also discuss Chergui and Ombre Sultan by Serge Lutens, Osang and Reliqvia by Mendittorosa (the "Catholic guilt" church scents), Viride and Terroni by Orto Parisi, Targo by Blackbird, Milk by Commodity, Cowboy Grass by D.S. & Durga, Bois de Babylone by Welton London, Camutra by Attar Al Has, Macanudo by Maison Datto, La Fille de Berlin by Serge Lutens, and Anarchist A by Toskovat. The hosts also shout out emerging niche houses like Clue Perfumery, House of Mammoth, St Clair Scents, Pearfat Parfum, and January Scent Project. Whether you're looking for your signature scent, a date night fragrance, or just want to understand why your Sephora is suddenly packed with guys in the perfume aisle—this episode has you covered.For a chance to win $250 of ScentSplit credit, subscribe to the HeroHero!We hope you enjoy!Lots of love!SolEpisode Tagsbest men's cologne 2026, niche fragrances, Megamare, Orto Parisi, fragrance review, men's perfume guide, Serge Lutens, Amouage Jubilation XXV, D.S. & Durga Cowboy Grass, Frederic Malle Carnal Flower, cologne recommendations, niche perfume 2026, ScentSplit, scentbar, date night cologne, Mendittorosa Sang, grassy cologne, Toskovat, Blackbird Targa, lipstick theory economics, Story MFG perfume, Commodity Milk, Byredo, Attar Al Has, Another 13, compliment getter cologne, streetwear fashion, men's grooming 2026, archive fashion fragranceSol Thompson and Michael Smith explore the world and subcultures of fashion, interviewing creators, personalities, and industry insiders to highlight the new vanguard of the fashion world. Subscribe for weekly uploads of the podcast, and don't forgot to follow us on our social channels for additional content, and join our discord to access what we've dubbed “the happiest place in fashion”.Message us with Business Inquiries at pairofkingspod@gmail.comSubscribe to get early access to podcasts and videos, and participate in exclusive giveaways for $4 a month Links: Instagram TikTok Twitter/X Sol's Substack (One Size Fits All) Sol's Instagram Michael's Instagram Michael's TikTok

Discover how a former criminology major and aspiring actor transitioned from a curious subcontractor to a powerhouse executive in the tech industry. Michael Smith, Partner at Fortium Partners, shares his "business-first" philosophy on IT, explaining why technology is most powerful when it is used to create a competitive advantage rather than just being a set of widgets. He dives deep into the high-stakes world of global digital transformations and the hard-won lessons learned from "failing safe" under great mentors.Guest Links:Michael's LinkedInFortium PartnersCredits: Host: Lisa Nichols, Executive Producer: Jenny Heal, Marketing Support: Landon Burke and Joe Szynkowski, Podcast Engineer: Portside Media

In a climate-aware world, can venture capital truly be a force for good? Join us as we speak with Michael Smith, co-founder of Regeneration.VC, a firm dedicated to reshaping consumer value chains through the lens of environmental regeneration. While the firm is known for its strategic advisor Leonardo DiCaprio, the real stars of this show are the revolutionary businesses Michael and his team are funding. Michael reveals how Regeneration.VC applies a rigorous, nature-first approach to funding innovation: The CRISP Measurement System: Learn about the Circular Regenerative Investment Sustainability Protocol (CRISP), the firm's proprietary method for ensuring that investments actively contribute to environmental healing and, critically, "do no harm." Michael explains how this system uses strict negative screens to avoid environmentally destructive practices from the start. The Toxics Challenge: Michael details the urgent, often-overlooked threat of toxic materials in consumer products, especially in industries like apparel manufacturing, and how Regeneration.VC targets companies dedicated to eliminating these harmful chemicals from our planet and our lives. Success in Circularity: Discover compelling case studies, including an investment in a company that transforms waste from the seafood industry into a compostable, soil-enriching alternative to Styrofoam. Impact vs. Returns: Michael shares his personal journey to impact investing and provides insight into the challenges and opportunities of aligning financial goals with a desire to contribute positively to the planet. This conversation offers a deep dive into how strategic capital can move beyond mere sustainability and actively drive a regenerative future. Takeaways Investing with nature in mind is crucial for sustainability. The CRISP measurement system helps ensure no harm is done. Impact investing can yield profitable returns while doing good. Reducing waste and increasing efficiency is key to circularity. Toxics in consumer products are a growing concern. Carbon markets are evolving, but challenges remain. Voluntary carbon markets show promise for innovation. Mycelium packaging startups face scalability challenges. Optimism is growing in the nature technology sector. Innovative business models can drive positive change for the planet. Learn more about your ad choices. Visit megaphone.fm/adchoices