Podcast appearances and mentions of mike smith

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

Missoula Pride returns June 19–21, and Missoula Pride Co-Founder and Executive Director Devin Carpenter joins Mike Smith on The Trail 1033 to preview a weekend packed with celebration, connection, education, and community. Devin shares how Missoula Pride has grown from a grassroots effort into one of Montana's largest Pride celebrations, thanks to partnerships with local organizations, volunteers, businesses, and supporters across Montana.The conversation explores how allies can get involved, volunteer opportunities, accessibility initiatives including sensory spaces and educational workshops, and what attendees can expect from the Pride Parade, Main Street Block Party, live entertainment, community vendors, and special events throughout the weekend.Devin also reflects on Missoula Pride's five-year journey, the importance of creating spaces for queer joy and belonging, and the power of community in bringing people together.For event schedules, volunteer opportunities, tickets, and more information, visit MissoulaPride.com.Missoula Pride 2026 takes place June 19–21 in downtown Missoula. Happy Pride! 

Part 3 of Forged Leaders: Roar From the Fire dives into the kind of leadership that doesn't get applause but still changes everything. Mike Smith breaks down what it means to lead through pressure, silence, and responsibility — when the fire doesn't stop but starts testing your integrity. This episode reminds every Black man that real leadership isn't about being seen; it's about being solid.

Episode 4: The FiPart 4 of Forged Leaders: Roar From the Fire closes the series with power. Mike Smith breaks down the moment when pain becomes fuel and survival turns into purpose. This is the fire that pushes you forward — from tested to transformed, from forged to launched.You've been found, formed, and tested. Now it's time to rise.

Mike Smith is joined in the Trail studio by Trey Curtiss of Backcountry Hunters & Anglers ahead of the annual Backcountry Brewfest happening at Caras Park. Curtiss shares his path from University of Montana intern to conservation advocate, while breaking down the organization's mission to keep public lands accessible, protected, and open for all users.The conversation explores growing pressure on federal public lands, the importance of grassroots advocacy, and the ongoing issue of corner crossing in checkerboard landscapes across the West. Curtiss also highlights BHA's nationwide network of chapters and hands-on stewardship efforts, from advocacy events to habitat restoration projects.Looking ahead to Brewfest, the episode previews an evening featuring 20+ Montana breweries, live music from Billy Faber and the Skalkaho Brothers, local food trucks, raffles, and community connection, all in support of public lands. Special guests include Mark Kenyon of MeatEater and BHA President & CEO Ryan Callaghan, underscoring the event's blend of education, advocacy, and celebration.Tickets are $25 at the door and include drink tickets and a commemorative cup, with proceeds supporting conservation work across North America.

Mike Smith is joined in-studio by Marc Moss, founder and executive director of Tell Us Something, to preview the organization's upcoming live storytelling event, The Power of Place.Marc shares how Tell Us Something has spent the last 15 years helping community members tell true personal stories on stage, why storytelling remains such a powerful way to connect people, and what audiences can expect from this year's event. The conversation touches on the importance of place in shaping our lives, supporting local artists and storytellers, and the unique stories that will be featured during the evening.Tell Us Something: The Power of Place takes place Tuesday, June 16th at the Bonner Park Band Shell in Missoula. The event features eight storytellers sharing true personal stories inspired by the places that have shaped them. Tickets, event details, and the Tell Us Something podcast archive can be found at TellUsSomething.org.

CONgregation, Laci is joined today by producer and writing genius Justin Halpern (Abbott Elementary, Harley Quinn). Together, they listen to the music and dig into the story of this week's scammer, Mike Smith, a suburban dad and aspiring musician who made $10 million by creating thousands of fake listeners to stream his (also fake) music so he could rake in the royalties. Plus, in this dad-centric episode, Laci asks: Are love, credit, and tax accountants a scam, a scheme, or the real thing? Stay schemin'! Keep the scams coming and snitch on your friends by emailing us at ScamGoddessPod@gmail.com. Follow on Instagram: Scam Goddess Pod: @scamgoddesspod Laci Mosley: @divalaci Justin Halpern: @justinshalpern   Research by Kathryn Doyle    SOURCES https://www.rollingstone.com/music/music-features/streaming-fraud-fake-streams-mike-smith-1235500686/ https://www.justice.gov/usao-sdny/pr/north-carolina-musician-charged-music-streaming-fraud-aided-artificial-intelligence https://www.wired.com/story/ai-bots-streaming-music/ https://www.youtube.com/watch?v=8RpxiEuGuUw Subscribe to SiriusXM Podcasts+ to listen to new episodes of Scam Goddess ad-free and a whole week early. Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Part 2 of Forged Leaders: Roar From the Fire dives into the heat that shapes Black men into leaders. Mike Smith gets raw about pressure, pain, and purpose — how the same fire that tried to break you actually built you. Every scar, every setback, every sleepless night is part of the forge. You're not being punished; you're being prepared.

Mike Smith sits down with Amy Cilimburg, Executive Director of Climate Smart Missoula and Kerri Mueller, Air Quality Specialist with Missoula Public Health, to discuss Montana's Wildfire Smoke Ready Week and how communities can prepare for the months ahead.The conversation highlights the 2026 Wildfire & Smoke Outlook, a free public event taking place on Tuesday, June 9 at 6 p.m. in the Cooper Room at the Missoula Public Library. The event will feature experts from the National Weather Service and the Montana Climate Office discussing this summer's wildfire and smoke outlook, climate trends, public health impacts, and practical strategies for staying both fire-safe and smoke-safe. The program will also be simulcast with Flathead Valley Community College and available online via Zoom.Amy and Kerri also explore the latest science on wildfire smoke, who is most vulnerable to smoke exposure, how HEPA air cleaners can improve indoor air quality, and resources available through MontanaWildfireSmoke.org. Whether you're preparing your home, workplace, or family for wildfire season, this episode offers valuable information on staying healthy and resilient during Montana's smoke season.

NOTE: Co-host Steve Waid is under the weather and won't be on the podcast this week. At this point, we're not quite sure when he might be able to return. Prayers would be sincerely appreciated. This week, in the third and final installment of our interview, Jeffrey Baker tells us about a fuel incident at Talladega, a penalty the very next week at California, an ACRIMONIOUS split with Jeremy Mayfield, and being man enough to apologize to Mike Wallace. Hosts Rick Houston and Tony Liberati then dig into the November 1, 2001, issue of Winston Cup Scene. Mike Wallace has a career day at Phoenix … and in the process … makes a STRONG case to keep his Roger Penske-owned team open for business. But then Jeff Burton INSISTS on ruining the Cinderella story by getting by Mike in the closing laps to win … and give Roush Racing a 1-2-3 sweep of the weekend's Cup, Busch, and Truck series events. There are actually FOUR big races that weekend. Cup, Busch, Truck … and trying to get from the track to Game One of the World Series. Martinsville Speedway's Mike Smith shares a FANTASTIC memory of Dale Earnhardt, and … finally … this issue raises an age-old question: Team Dave or Team Sammy? Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Broker Link Podcast, Mike Papuc welcomes Mike Smith, President Emeritus of The Brokerage Inc., for an important discussion on the current state of the Affordable Care Act (ACA) marketplace and what agents need to know moving forward. Mike shares his perspective on the latest developments affecting ACA plans, including marketplace trends, enrollment activity, carrier participation, and the evolving regulatory environment. Drawing on decades of industry experience, he explains how recent changes may impact both consumers and insurance professionals. The conversation explores the opportunities and challenges agents face in today's health insurance landscape, emphasizing the importance of staying informed, educating clients, and adapting to market shifts. Mike also discusses the value of building long-term client relationships and how trusted advisors can help consumers navigate an increasingly complex healthcare system. Whether you're focused on ACA, Medicare, or broader health insurance solutions, this episode provides valuable insights into the factors shaping the market today and practical guidance for serving clients with confidence. Tune in for an informative conversation packed with industry expertise, strategic perspective, and actionable takeaways from one of the insurance industry's most respected leaders. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes weekly. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/       

Mike Smith welcomed Lisa from American Rivers and Carmen from Wild Montana into the Trail 103.3 studio to talk about the 2026 Trails, Rivers & Forests Expo, happening today, Wednesday, June 3, from 5–9 p.m. at Trail Head River Sports.The free event is co-hosted by American Rivers and Wild Montana and brings together local outdoor organizations, businesses, conservation groups, and community partners who work to protect, maintain, and connect people with the wild places around Missoula.The conversation covers the connection between public lands and public waters, the work American Rivers is doing around river protection, and Wild Montana's long history of protecting public lands across the state. Carmen also talks about Wild Montana's group hikes, volunteer trail projects, and the Trail of the Week partnership with Trail 103.3.The Expo is built to be both useful and fun. More than 40 partner organizations are expected to be part of the event, with hands-on activities, river safety information, wildlife and outdoor education, volunteer opportunities, and plenty of ways to learn what is happening outside your back door this summer.There will also be live music from The Pack Strings, food from El Cazador, cold drinks from Big Sky Brewing, raffle prizes, and family-friendly activities throughout the evening.Mike, Lisa, and Carmen also talk about the bigger picture: why Missoula's trails, rivers, forests, and public lands matter, and why so many local groups are working together to keep these places accessible, healthy, and protected.The 2026 Trails, Rivers & Forests Expo is free and open to the public today from 5–9 p.m. at Trail Head River Sports, 2505 S. Garfield Street in Missoula.Bring your friends, bring your family, meet the people doing the work, and celebrate the wild places that make Montana special.

Mike Smith joins us LIVE at 9pm to talk about two big stories tonight, the first is the Waitangi Tribunal being told of plans to weaken and remove treaty clauses in a range of laws are racist and an attempt to erode Māori rights.Secondly on what we're calling #milkygate, Labour questions whether disappearing climate briefing note deliberate cover-up. Senior Cabinet minister Louise Upston insists the disappearing document debacle in the PM's office is an "isolated incident" and says it is "disingenuous" to suggest otherwise.New figures show a surge in company liquidations, with hospitality one of the hardest hit. We're seeing some of the hardest times to run a small businesses even though we're being told this government are the best ones to run the economy to help businessWell also have a look at the Roy Morgan poll from late yesterday afternoon that some on the right are celebrating as 'finally an accurate poll has been released'. Is it? Or are we looking at an outlier and we'll see a return to order in the next poll.++++++++++++++++++++Like us on Facebook.com/BigHairyNetwork Follow us on Twitter.com/@bighairynetworkFollowing us on TikTok.com/@bighairynetworkSupport us on Patreon www.patreon.com/c/BigHairyNewsCheck out our merch https://bhn.nz/shop/Donate to our work https://bhn.nz/shop/donation/

Donna Brothers didn't just grow up around horses, she grew up as the daughter of one of the first licensed female jockeys in the United States. From learning to ride before she could remember to becoming one of the winningest female jockeys of the late 80s and 90s, Donna's path was never a straight line.She spent eleven years in the saddle before trading in her silks for a microphone, joining NBC Sports in 2000 and covering everything from the Kentucky Derby to dressage at the World Equestrian Games.After 25 years as one of horse racing's most recognizable on-track voices, Donna called her final Preakness Stakes in 2025 and retired on her own terms.How Donna's mother became one of the first six licensed female jockeys in the US in 1968, and how a workers' comp calculation literally launched a family legacyThe story behind her decision to retire: why she left at the top, and what it felt like to say "riders up" one last time on NBCThe art of the post-race interview, how to keep a winning jockey in their heart instead of their head, and why she never writes out questionsThe Mind That Bird Kentucky Derby win, Calvin Burrell's raw emotion, and the Southwest New Mexico thread that connects Sunland Park to the Triple CrownWhat she thinks horse racing media gets right, what it gets wrong, and her honest advice on building a content-driven podcastDonna Brothers has been in the sport long enough to have ridden with Mike Smith as a kid in El Paso, interviewed Jose Ortiz seconds after he beat his own brother in a Kentucky Derby photo finish, and watched an entire generation of young women grow up wanting to do what she did. This conversation covers what 40 years in horse racing actually looks like from the inside, and why she's finally okay stepping out of the spotlight.@donnabrothers | Subscribe and follow Horse People for more cross-discipline content and stories.

Part 1 breaks down the moment every Black man faces—the moment life stops giving choices and the fire shows up. No titles, no applause, just pressure and responsibility. Mike Smith gets raw about how the fire finds you, exposes you, and chooses you long before you feel ready. If you're still standing, you've already been forged.

Oui Oui! France has taken over the sports world.  Charles and Mike start with breaking news in the NFL that includes the Rams making another blockbuster trade, this time for Myles Garrett, and Russell Wilson joining CBS' pregame show.  Then, both the NBA Finals & Stanley Cup Final are set, but the narratives and hype for the two series couldn't be further apart.  Plus, PSG repeats at Champions League champs, Serena Williams is coming out of retirement, and the French Open is wide open.  Jason's Wormbyte covers the UCL Final and the newly released CFP schedule, while Dr. Mike Smith has cooked up a viral hit for his moment of the week! 

The Ombudsman has agreed to investigate accusations of withholding of official information by the prime minister's office. This follows the government promising to legislate an end to private citizens' rights to sue corporations for climate damages, effectively putting an end to Mike Smith's court case. Political reporter Russell Palmer has the story.

Mike Smith explores the truth many Black men live with: we learned how to survive, not how to heal. This episode breaks down the cost of unspoken pain and why choosing healing is an act of strength, not weakness.You deserve more than survival.

Some are working pretty hard currently to buy into the Mike Smith storyline that the big end of town has the Government's ear over climate change. Mike Smith is the activist, the agitator, the chainsaw man, the "smack the America's Cup" bloke. So, you know, a life of angst and upset. His latest outing was in court, looking to sue individual companies over their pollution around climate change. He was looking for an activist court to agree with the idea that a company can be held to specific and individual account for something that happens all over the world by, if you think about it, all of us. The Government stepped in a week or so back and put an end to it. Their argument is Parliament is your ultimate court and these sorts of laws are for it, not individual judges who may sway with the wind. They didn't put it that way, I did. But there is no doubt in my mind, in a number of areas, various courts these days are open to a bit of judicial dabbling. In my humble opinion it is brought about by an increasing arrogance that they make the rules. It's true to say a court can have a say or hold sway. But it's equally true to say the ultimate court is the Parliament of the land and we do not want that undermined. Now, Mike claims people like Fonterra have been writing to the Prime Minister's office and advocating for the Government to step in on court action like his. And given they did he now suggests this is collusion, this is scally-waggery, this is big money, big influence malarkey that borders on scandal. Or could it be a corporate saying what you would expect a corporate to say and a government, not surprisingly, doing what they would do anyway. In other words, Fonterra didn't need to say anything because Paul Goldsmith would have done what he did without any correspondence. Why? Because they think the same way I do. I didn't write to anyone and didn't have a meeting with anyone and yet I would have thought, nay expected, the Government to nip the Smith fishing expedition in the bud. Why? Because it's obvious and it's common sense. See not everything is a conspiracy. Sometimes, remarkably, especially when it's obvious, people tend to have the same view. Letters or no letters, meetings or no meetings. Nothing to see here. See omnystudio.com/listener for privacy information.

Thinking about buying or expanding a practice, but nervous about debt, banks, or making an expensive mistake?   In today's episode, I'm joined by Mike Smith of Bank of America to demystify the lending process for optometrists. We break down what banks actually look for in a borrower, how student loans and cash reserves really factor in, why tax returns matter more than stories, and the common traps buyers and sellers fall into when financing a deal. If utilizing OPM, other peoples' money like a bank's, is on your radar (now or in the future), this conversation can save you time, money, and unnecessary stress.     Resources: Book a Triage call with Adam Download the Practice Owner's Financial Toolkit 20/20 Money Ultimate Financial Success Masterclass OD Mastermind Interest Form Check out Adam's new book: How to Buy an Optometry Practice   ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!   Check out Adam's other podcast! The Optometry Success Podcast  Subscribe on Apple Podcasts: https://bit.ly/4tttng6 Subscribe on Spotify: https://bit.ly/4tuf0YM 

For City Counselling this week, Wire Host Caeden spoke to Councillor Julie Fairey about the need for council to be involved in discussions about the details of an additional harbour crossing, and the number of job losses in the Auckland Transport restructure.  And they spoke to Māni Dunlop from Te Ao Māori News for our new bi-weekly catch-up on the political issues of the week from a Māori perspective. News Director Castor spoke to kaumatua and climate activist Mike Smith about his court case against Fonterra in the wake of the government removing its legal basis. They also spoke to Professor of Law at the University of Waikato, Alexander Gillespie, about the legal ramifications of such a decision.  For our weekly catch-up with the Labour Party, Producer Pranuja spoke with Shanan Halbert about the Government disestablishing the BSA and scrapping the tertiary Fees Free scheme, as well as the Government's new citizenship test. She also spoke with Associate Professor Alice Mills about why secure housing is central to reintegration for those leaving prison.

Send us Fan MailFrom football fields to flower rooms, Mike Smith's journey into cannabis wasn't something he planned; it was something he grew into.In this episode of the CashColorCannabis Podcast, Smith opens up about his path from being a college athlete and railroad worker to helping build one of Chicago's most unique cultivation facilities. Operating out of a former bowling alley in Chicago Heights, Emerald Gardens has become home to multiple cannabis brands, including Korner Boys and Belushi Farms.During our conversation at NECANN, Smith reflects on the lessons he learned through hard work, the realities of entering the cultivation side of cannabis without prior experience, and how relationships and culture continue to shape his journey in the industry. He also discusses working alongside Jim Belushi, discovering the now-infamous Blood Diamond Brunch strain, and why listening and consistency still matter most in cannabis.Listen to our interview now. Thank you to our sponsors, Minority Cannabis Business Association,  minoritycannabis.org/memberships BIPOCann, BIPOCANN.com And join our Patreon and help us keep interviews like this coming. For as low as $1 a month, you can help keep "A Higher Level of Conversation" going www.patreon.com/c/CashColorCannabis Support the show

This episode speaks to the men who carry everything. Mike Smith breaks down what happens when the “strong one” finally reaches his limit, why silence becomes heavy, and how admitting “I'm tired” can open the door to real healing.Even the strong deserve rest.Even the strong deserve support.

It's cloudy again in Philadelphia.  Charles and Mike check in on the latest from the NBA & NHL playoffs, including both Philly teams being swept, a controversial Victor Wembanyama ejection, and trouble watching games while traveling.  Then the guys discuss the upcoming NFL Schedule reveal, react to the unsurprising announcement of Cowboys/Giants Week 1 on SNF, debate the 76-team NCAA Tournament field, and more!  Plus, Jason's Wormbyte features a note on golf TV coverage ahead of the PGA Championship, and Dr. Mike Smith will NOT be back in the saddle this weekend at the Preakness. 

A Supreme Court ruling in 2024 ruled Mike Smith had the right to sue the New Zealand-based companies.

Black men carry a lot that never gets spoken. In this episode, Mike Smith breaks down the invisible weight we learn to hide — the pressure to stay strong, the silence we're taught to keep, and the pain that builds when we don't feel safe to express what we feel.This conversation explores how unspoken trauma shows up in our lives and why naming the weight is the first step toward healing.You're not weak for feeling it.You're stronger for facing it.

Send us Fan MailThis episode we are talking ghosts with A CHINESE GHOST STORY from Hong Hong & GHOSTWATCH from the UK. We loved both these films and each has moments that are really scary!From IMDb: A debt collector has no other choice than to spend the night in a haunted temple, where he encounters a female ghost, whom he falls in love with. To save her soul he must work with a monk to defeat the tree demon who owns her spirit.From IMDb: In a "live" broadcast on Halloween night, a BBC team investigate a reported poltergeist in an ordinary London home.Next time we are looking at "Weird Horror" films with THE LAIR OF THE WHITE WORM & TOGETHER.Thanks for all your support of the show! You can now support us on Patreon or through Buzzsprout. Gerry Entriken: WoHo Outro ThemeSupport the showOpening Theme "Bucket" by Gerry EntrikenClosing Theme "Mop" by Gerry Entriken Interstitial Musicalso by Gerry Entriken. We love you, Gerry!Subscribe to the Podcast for a Special shout-out!World of Horror's InstagramMom's InstagramMac's InstagramDonate to Translifeline

It's time for another Off Mike Discussions episode! This week, both Mikes have thoughts on Lee Cronin's The Mummy, which of course leads Mike D to give some thoughts on THE MUMMY (1999), plus NIRVANNA THE BAND THE SHOW THE MOVIE, THRASH, and REDUX REDUX. Meanwhile, Mike Smith has been singing the praises of SPEED RACER since 2008 and the rest of the world has finally caught up, and he's got thoughts on new releases like THE DRAMA, FACES OF DEATH, THEY WILL KILL YOU, and more!

Mike Smith sits down with Marcy Allen, Executive Director of the Missoula Community Foundation, for a conversation about Missoula Gives and the power of local philanthropy. They explore how this community-wide giving event has grown into a beloved annual tradition—bringing together nonprofits, businesses, and everyday donors across Missoula and the Bitterroot.Marcy shares stories about the impact of collective giving, from record-breaking participation during 2020 to the continued growth of new donor engagement each year. The conversation highlights how Missoula Gives helps people discover local nonprofits they didn't know existed, while also creating space for organizations to connect with fresh supporters.They also dig into the many ways people can participate—whether it's donating, volunteering, attending kickoff events, or simply spreading the word. With celebrations planned across town, including Plonk, Bitter Root Brewing, Cranky Sam's, and the Missoula Public Library, this year's Missoula Gives blends community impact with community celebration.At its core, this episode is about one idea: when everyone gives a little, a community changes a lot.

Complete coverage of the Sovereign Awards including Rosie Day, Sid Attard, Santino DiPaola, Pietro Moran, Rafael Hernandez and Kevin Attard. Patrick Husbands tells us why he is retiring after 37 years and why he might un-retire. Sofia Vives is back riding at Woodbine and she delivered Mony Mony to victory in the first Stakes race of the year. Kentucky Derby #152 is upon us. Mike Smith has ridden in 28 of them and he tells us - he still gets chills. We talk with Smith about some of the greatest moments in his amazing career. The 6-year-old trotter, Ghostly Casper, cracked the $1,000,000 barrier. His favourite human, Sara Baillargeon tells us how special this horse is. And when an absolute sure thing broke stride at the start at Mohawk, how much did the other horses pay?

Mike Smith is joined live in-studio by longtime Missoula community member and former Justice of the Peace Karen Orzac to talk about the 65th Annual Kiwanis Pancake Breakfast.Now retired after 20 years on the bench—and having officiated over a thousand weddings—Orzac shares her continued passion for serving the community through the Missoula Kiwanis Club. The conversation highlights Kiwanis' century-long mission of supporting local youth through programs, partnerships, and hands-on volunteer work.Taking place Saturday, April 25th, the pancake breakfast is Kiwanis' biggest fundraiser of the year, benefiting organizations like Youth Homes, Boys & Girls Club, YWCA, and more. For just $5, attendees can enjoy a full breakfast while helping fund opportunities for kids across Missoula—plus music, activities, and a strong sense of community connection.Whether you come for the pancakes or the purpose, it's all about showing up for local kids.

Mr. Mike Smith

Mike Smith is joined in-studio by Lynn Wood and Sean Higgins of Storyhouse Montana for an in-depth conversation about the transformation of the former Roseburg Mill site in Missoula into a major new hub for film, media production, workforce training, and community development.Storyhouse Montana is reimagining the industrial complex as a full-service production facility designed to attract mid-sized film and television projects while prioritizing Montana-based talent, local hiring, and long-term economic reinvestment. The conversation explores how the project connects with Montana's growing creative economy, the challenge of retaining young talent in the state, and the role of partnerships with the University of Montana and Missoula College in building hands-on training and internship pathways.Lynn Wood and Sean Higgins also discuss the broader vision for the site, including job creation, sustainable redevelopment, and even future housing components designed to support incoming crews and local workers. More than a studio project, Storyhouse Montana aims to become a community-centered engine for storytelling, blending filmmaking, craftsmanship, and economic opportunity in the heart of Missoula.From Hollywood-scale production ambitions to hyperlocal workforce development, this episode looks at how one of Missoula's largest industrial sites is being reshaped into a new creative cornerstone for Montana's film future.

Mike Smith is joined in-studio by former Trail 103.3 program director and longtime DJ Robert Chase, along with his daughter Mazzy Chase, for a conversation that blends radio history with a deeply personal story. Now living with type 1 diabetes for over 26 years, Mazzy was diagnosed at just 20 months old—an experience that reshaped her family's life and led Robert to become actively involved with what is now Breakthrough T1D (formerly JDRF).Breakthrough T1D is a leading nonprofit dedicated to funding research, advancing technology, and ultimately finding a cure for type 1 diabetes. Through decades of innovation—from daily injections to insulin pumps and smartphone-connected care—the organization has helped improve quality of life for millions, while continuing to push toward a future without the disease.The conversation also highlights the upcoming Breakthrough T1D Walk in Missoula, a community-driven event that brings together families, supporters, and advocates to raise funds and awareness. With reflections on resilience, progress, and the power of showing up, this episode underscores the importance of community support and continued investment in life-changing research.Event Info: Breakthrough T1D Walk — Ogren Park, Sunday @ 2:00 PM (check-in at 1:00 PM), featuring a three-mile walk along the Clark Fork River, community resources, and fundraising opportunities.

The entirey of Jake and Ben for April 16, 2026.

Hour two of Jake and Ben for April 16, 2026.

Mike Smith joined Jake and Ben for his weekly visit to recap the Utah Jazz season.

In this episode, Mike Smith, President of the Wild Sheep Foundation Alberta, breaks down the state of wild sheep in Alberta and what the Foundation is doing to protect them. The guys dig into the Foundation's latest on the ground projects including innovative mechanical habitat enhancement is opening critical winter ranges like Grotto Mountain and Sheep River. Mike also provides and overview of their disease management efforts and how collaring supports early detection, predator dynamics, especially cougars and wolves and their link to habitat quality, the launch of a mobile education trailer bringing sheep science and history to hunters, biologists, and the public, sheep hunting opportunities in the province and the success of the annual Bighorn Banquet. At the heart of the conversation is a simple idea: healthy habitat, informed management, and balanced predator pressure are essential for Alberta's world class sheep herds to thrive for generations. Whether you're a hunter, conservationist, or wildlife enthusiast, this episode offers a clear look at the bold, practical work shaping the future of wild sheep in Alberta and how you can support it. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of New York's Finest: Retired & Unfiltered, we break down the sentencing of NYPD Sergeant Erik Duran and what it means for policing, accountability, and public safety in New York City. Was this a justified sentenceor another example of the system turning its back on proactive police work? Retired NYPD Lieutenants John Macari & Eric Dym along with retired NYPD Detectives Marlon Bethel & Mike Smith deep dive into: The details surrounding Sgt. Erik Duran's case The legal standards of use of force under Graham v. Connor How this sentencing impacts NYPD officers on the street The growing disconnect between NYC leadership and law enforcement What this means for crime, officer morale, and public safety moving forward At a time when NYC officials are pushing de-carceral policies while still demanding results from police, this case raises serious questions about the future of proactive policing. If officers are punished for doing their job, who will step up to protect the city? Like, Comment, and Subscribe for real, unfiltered conversations on NYC policing, crime, and politics. #NYPD #ErikDuran #PoliceAccountability #NYCNews #CriminalJustice #UseOfForce #GrahamvConnor #PublicSafety #PoliceNews #FinestUnfiltered ️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! https://streamyard.com/pal/d/5689366474915840 Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of The Broker Link Podcast, Mike Smith and Josh Slattery break down the key updates from the 2027 CMS Medicare Final Rule and what it means for agent partners. One of the biggest headlines is the rate increase for Medicare Advantage plans, rising from 0.9% to 2.48%, which injects approximately $13 billion into the system. While this funding boost is significant, it will likely influence product design, including potential reductions in certain non-essential supplemental benefits. The discussion also highlights the codification of the Inflation Reduction Act provision that caps out-of-pocket prescription drug costs at $2,100, providing greater financial protection for beneficiaries. From a compliance standpoint, several important changes are addressed. The removal of the 48-hour waiting period for Scope of Appointment and the reduction of call recording retention requirements from 10 years to 6 years are expected to streamline agent workflows while maintaining regulatory standards. The episode also explores the evolving focus of Star Ratings, with a shift toward clinical outcomes and away from administrative measures — signaling a broader move toward quality of care and patient results. The Brokerage Inc. will continue to keep you informed about CMS changes for 2027.  Visit our website, www.thebrokerageinc.com to learn more. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/   

Mike Smith joins us to talk about his time spent in the LBL. Bigfoot, Dogman and Orbs enter the chat.

Mr. Mike Smith

Art and Phred dive into treadmill survival strategies, including Phred's classic 1:05 reset method, the magic of a 15% incline, and the universal truth that starting too fast indoors is a bad life choice. Art is eyeing a March 15 return to running, sharing some winter miles at Lincoln Woods and the awkward reality of snowshoeing. The conversation rolls into the chaos of the Umstead 100—a brutally simple crushed gravel grind with a registration process that sells out in minutes and legends like Mike Smith stacking up finishes. Music talk hits peak Cultra with Grateful Dead vibes and "Time Warp" from The Rocky Horror Picture Show landing right in the cadence sweet spot. Cultra Bot drops some Barber shop… As always, the show is powered 112% by listeners, with Patreon support helping upgrade the audio. Support is good. Umstead 100 Get your official Cultra Clothes and other Cultra TRP PodSwag at our store! Outro music by Nick Byram Become a Cultra Crew Patreon Supporter  basic licker.  If you lick us, we will most likely lick you right back Cultra Facebook Fan Page Go here to talk shit and complain and give us advice that we wont follow Cultra Trail Running Instagram Don't watch this with your kids Sign up for a race at Live Loud Running and feel better Buy Fred's Book Running Home More Information on the #CUT112   

What are the main candidates for dark matter? Neil deGrasse Tyson and comic co-host Chuck Nice sit down with theoretical physicist Katherine Freese to tackle fan questions about dark matter, dark energy, and the dark universe at large. NOTE: StarTalk+ Patrons can listen to this entire episode commercial-free here:  https://startalkmedia.com/show/dark-universe-decoded-with-katherine-freese/ Thanks to our Patrons Yasin Hasbay, Joe Hudson, Marcelo Morales, Jeffrey C, Quentin Kelly, Mark Hobden, Shawnie Brisbois, Nathan Williams, Christian Etel, Adam, Andrew Foss, Christopher Lauer, Mike Smith, Gloria Goungo, Dennis Poggenburg, Wild Cat93, Tilly, Alon Gutman, Philip Sun, Dave Mulder, Neil Cameron, CuriousHairlessApe, Not Pensive, Thanh Ho, Aaron, Amy, Brandon Rhodes, Jeffrey Otterman, Space Hendrix, Mango, Yoni, Christopher, Cody Motycka, James Astley, Ryan Dimery-Seek, Alec Scott, Joshua Dobelstein, JP, D.K. Mola, Matt Sumner, Jordan Smith, Case Torres, Tiffany Jones, Josh Middleton, Christopher Crain, Abdul Sudi, Quyen Nguyen, Rahul Varma Sikinam, Nathaniel Gonzalez, Jonathan Negron, Adam Bauman, Sean McAll, Taylor, Lora White, CrunchySciFry, Robby Satterfield, James Simpson, Samantha Kasper, Isahn Mejia, Cameron Smith, Ray Nobleza, Mike Gibbs, Paul Stumbo, Ruben Wilberg, Anish Dube, Manolis Sensi, Arnab Deka, Rich, 4d916, Oon Thian Seng, Temo Chavchanidze, Vikas Rawat, Korin, Gene Hannon, Edward Marwood, Catherine Fiala, Matt F, Elijah Flippin, Bharath Kumar, Tuyaa, Furry Combat Wombat, Lexi Chivers, Vincent Franchino, R Tillery, Matthew Pitts, GAME MASTER, Lawrey, Chris Fro, Adam, Diesel Haphazard, Anthony Calomeni, Mike G., Victor Acevedo, David Wall, Jaime Rivera, Reginald Hill, Devin Jansen, Tushar Vashisht, Lisa Mc Guire, and Ian for supporting us this week. Subscribe to SiriusXM Podcasts+ to listen to new episodes of StarTalk Radio ad-free and a whole week early.Start a free trial now on Apple Podcasts or by visiting siriusxm.com/podcastsplus. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Jake Scott & Ben Anderson Hour 1 BYU still alive but how far can AJ Dybantsa take them? Utah Jazz Analyst Mike Smith gave his thoughts on Bam Adebayo's Historic 83-Point Game and all things NBA.  Many Big 12 Players Unhappy with Glass Courts Jake Hatch & Tim LaComb Hour 2 Bam Adebayo's 83 point night Utah Mammoth insider Cole Bagley UNLV's unfair advantage  Hour 3 NFL free agency | Ravens back out of Maxx Crosby deal BYU color analyst Mark Durrant Final thoughts

BYU still alive but how far can AJ Dybantsa take them? Utah Jazz Analyst Mike Smith gave his thoughts on Bam Adebayo's Historic 83-Point Game and all things NBA.  Many Big 12 Players Unhappy with Glass Courts

Utah Jazz Analyst Mike Smith gave his thoughts on Bam Adebayo's Historic 83-Point Game and all things NBA. 

Blake Lively rallied her famous friends v. Justin Baldoni, Timothy Busfield & the Michael Jackson playbook, Oscar nominations, not-a-Prince Harry cried in court, investigating the death of Jim Irsay, Maz's bad picks, Jim's Picks: Top 10 B-Sides, and My Strange Addiction introduces us to Vabbing. We've been binging The Ben Show clips on YouTube. Timothy Busfield defense is Michael Jackson 2.0. Oscar Nominations are out. Who were the big winners and who was snubbed? Reliving Gwyneth Paltrow's Oscar Speech from 1999. Blake Lively texted Taylor Swift, Ben Affleck, Matt Damon and more of her famous friends to use them vs her battle with Justin Baldoni. Prince Harry is a baby and proves it in court. A brand new Bonerline. Another crazy My Strange Addiction. Meet Cassy from Boston. She is addicted to Vabbing. Can you guess what she smells like? Brooklyn Beckham's wife, Nicola Peltz is the worst and so is her stupid husband, Brooklyn Beckham. It sounds like Britney Spears is ACTUALLY going to go on tour with her son, Jayden. Bret Michaels and his bandana are trying to screw over the rest of Poison. Phil Collins is almost dead. Rolling Stone Magazine dug into Mike Smith. He's a singer/songwriter that scammed the system out of $10M by buying bots and making people think a lot of people were listening to his music. Sherrone Moore was in court today to say he did nothing wrong. The FBI is investigating Jim Irsay's death. Something happened to Stuttering John's pants...Some people are saying... Tom finally called back...After a business meeting. Tom got all of last week's NFL predictions wrong. Then he gives predictions for this week's game. Maz throws some half-ass trivia questions at us. Jim's Picks: Top 10 B-Sides Merch remains available. Click here to see what we have to offer for a limited time. If you'd like to help support the show… consider subscribing to our YouTube Channel, Facebook, Instagram and Twitter (Drew Lane, Marc Fellhauer, Trudi Daniels, Jim Bentley and BranDon)