Podcasts about osj

In this episode of Horizon Advisers Unleashed, Alex Dinser sits down with his friend and business partner Michael Messer for a candid and insightful conversation about what it really takes to grow a successful business in the financial services world.Michael shares his journey from advisor to OSJ (Office of Supervisory Jurisdiction), detailing the lessons learned along the way and how his leadership role has evolved. Together, they explore the challenges of scaling a business, supporting other advisors, maintaining compliance, and fostering a culture of trust and growth.Whether you're an advisor looking to grow your practice or a business owner focused on leadership and structure, this episode is packed with real-world experience and practical wisdom.

We are still having inquiries about THE PROPERTY TAX FREEZE FOR SENIORS!We decided the run the OSJ Radio Hour again to help continue to educate on this very wonderful program that seniors can claim and benefit from at age 65-Plus!Want to freeze your property tax once you are 65+? You certainly can in this program! This is not a marketed program… that's why we did a OSJ Radio show on it. We also have a flyer on our newsletter every Friday. To join the Oklahoma Senior Journal newsletter along with our 10,000 other members, please go to OKSeniorjournal.com.To my left is Julie Ackerman, who has become an expert in her field on the property tax freeze for seniors. She discusses all about it. We do need to get our representatives and senators involved, and we will give you that information in this newsletter and on the OSJ radio show. We also have an encore of the OSJ radio show on Sunday at 1 o'clock on Freedom 97.9 FM.There are over 400,000 65+ who own their own home in the state of Oklahoma. Each of these owners is able to freeze property taxes once they are 65 or better.~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Don't miss the show! And read the flyer – scan the flyer's QR code on it for more information. Julie Ackerman is passionate about getting this word out on property freezing for seniors and so is the Oklahoma Senior Journal. Listen in this Saturday @ 9:05am on FREEDOM 96.9FM Oklahoma's Talk Radio.~~~~~~~~~~~~~~~~~~~~~~~~~~~~Julie AckermanJulie Ackerman, a resident of Oklahoma since 2000, was born in Montana and lived in Texas before settling permanently in Oklahoma. She has lived in Shawnee Twin Lakes, Pottawatomie County, Shawnee, and now Oklahoma County where she plans to retire at the age of 67.Julie is available to speak at churches, retirement communities, or organizations of any kind. Email her for more information at seniortaxfreeze@yahoo.com.Facebook: facebook.com/seniorpropertytaxEmail: seniortaxfreeze@yahoo.comoksenate.gov/senatorsokhouse.gov/representatives

Show Notes: Special Needs Financial Planning (Part 2) — The Autism Dad Podcast In this episode of The Autism Dad Podcast, Rob Gorski continues the special needs financial planning series with guest Katy Bryan from Skylight Financial Group. Katy specializes in helping families of children with disabilities plan for the future and shares key steps to prepare for your child's transition to adulthood. Rob and Katy discuss why everything changes at age 18: managing assets under $2,000, understanding Social Security benefits (SSI/SSDI), and navigating Medicaid. They explore common questions around special needs trusts, guardianship, and power of attorney, and offer tips for finding a financial or estate planner with real disability expertise. Rob shares his own family's journey—the struggles, learning curves, and how resources like vocational programs made a difference for his kids. Highlights: Social Security (SSI/SSDI) eligibility after 18 Managing assets and income to maintain Medicaid/benefits Special needs trusts, guardianship, and power of attorney The value of working with planners who “get” disability families Building a sustainable budget and future plan for your child How to access local job training and support resources Guest Info: Katy Bryan, Skylight Financial Group Email: kbryan@financialguide.com Thank You to This Week's Sponsors: Safe Place Bedding Safe Place Bedding creates portable, durable beds for children and adults with special needs. Their new Safe Place Bedding 300 offers advanced monitoring for safer, better sleep. Learn more at safeplacebedding.com. Autism 360 Autism 360 provides families with practical tools and expert guidance for therapy, education, and everyday life—personalized to help your child thrive. Discover more at autism360.com. Connect with Rob: Find more episodes, resources, and ways to connect at theautismdad.com. Have questions or feedback? Reach out through the website! If you found this helpful, please subscribe and leave a review—see you next week for part three! Disclaimer: Catherine Bryan is a registered representative of and offers securities and investment advisory services through MML Investor Services, LLC, member SIPC, OSJ, 1956 Carter Road, Suite 200, Cleveland, Ohio 44113, Phone: (216) 621-5680. California Insurance License #4175736. The information in this podcast is not a recommendation and is not intended as financial, tax, legal, or estate planning advice. You should seek guidance from a qualified financial advisor, accountant, and attorney regarding your personal situation.

HOKAのフィールドエクスペリエンスレプレゼンタティブであり、25年以上のキャリアを持つベテラントレイルランナー、安藤正直 Masanao Ando さん。安藤さんはイギリス南西部に広がる1000km超のロングトレイル「サウスウエストコーストパス South West Coast Path」の走破にまもなく旅立ちます。コーンウォールをはじめとする美しい海岸線に沿ったトレイルの累積獲得標高は35,000mにも達し、エベレスト4回登頂分に相当します。今回のインタビューでは、安藤さんがこの過酷な挑戦に至った背景にあるランニングへの価値観の変化や、具体的な準備状況について深く掘り下げます。かつてはオートバイに情熱を注いでいた安藤さんは37歳でランニングの世界に足を踏み入れます。やがて、スパルタスロンでの14位入賞や、OSJおんたけウルトラトレイル100マイルでの5位（50歳時）など、数々の輝かしい実績を残すまでにウルトラマラソンに熱中します。そんな安藤さんは、コロナ禍や東日本大震災10年目のチャリティーランを機に、レース中心の活動から個人の挑戦としてのFKTやスルーハイクといった新たなスタイルに関心を深めたと語ります。今回の1000kmの旅では、若い頃に楽しんだオートバイツーリングのように、日々の出会いや風景の変化を味わいながら進むことを目指しています。有給休暇を活用し、約1ヶ月での完走を目指す挑戦を前にしたインタビューでは、63歳を迎えた安藤さんの尽きない探究心と、周到な準備、そして「走り続ける」ための哲学に迫ります。サウスウエストコーストパス South West Coast Path https://www.southwestcoastpath.org.uk/チャプター00:00:10 HOKA 安藤正直さん登場！イギリス1000km FKT挑戦を語る00:02:06 「サウスウエストコーストパス」1000kmの壮大な挑戦とは00:04:19 約1ヶ月で踏破へ！目標タイムと有給消化プロジェクト00:06:25 なぜこのトレイル？安藤さんがイギリスを選んだ理由00:08:29 レースからFKTへ：コロナ禍が変えたランニングへの価値観00:10:04 37歳、82kgからの変貌！ランニングを始めた意外なきっかけ00:13:42 スパルタスロン、おんたけ100マイル...輝かしいウルトラランナーとしての実績00:16:51 新たな冒険スタイルの原点：350kmチャリティランの経験00:18:11 オートバイツーリングとロングトレイルランに通じる「旅」の魅力00:19:38 63歳、進化し続けるランナー安藤正直の「走り続ける秘訣」00:20:33 1000km FKTへの具体的な準備：トレーニング、装備、情報収集00:24:44 アナログな旅のスタイル：GPSに頼らず、ガイドブックと時計で00:25:42 挑戦への意気込みと、家族の反応は？00:26:52 帰国後の報告に期待！リスナーへのメッセージポッドキャスト「Run the World, by DogsorCaravan」はSpotifyで公開し、Apple PodcastやYouTube Podcastなどの各種プラットフォームで配信しています。⁠⁠⁠⁠⁠https://podcasters.spotify.com/pod/show/dogsorcaravan⁠ このポッドキャストへのメッセージ、感想、リクエストをお待ちしています。エピソードやウェブサイトの中でご紹介します。⁠⁠⁠⁠⁠https://forms.gle/E8iyHEMLLmyCtSEn6⁠⁠⁠⁠⁠ DogsorCaravanのライブ配信イベントの予定はGoogleカレンダーで公開しています。登録すると見逃しを防げます。⁠⁠⁠⁠⁠https://bit.ly/dcliveschedule

CFP and host, Bryan Kuderna, discusses the history of Social Security and the current state of the entitlement before explaining how Social Security benefits get taxed. The episode concludes with several tips to mitigate Social Security taxes in retirement. For more information on Social Security, head to https://www.ssa.gov. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194

What happens when life throws you a curveball—loss, divorce, or the blending of families—and suddenly your finances feel just as uncertain as your emotions?On Wisdom and Wealth, financial expert and widow-turned-warrior Donna Kendrick guides you through the real-life challenges of navigating money during major life transitions. Whether you're reeling from grief, building a new family, or trying to regain your financial footing, Donna brings the knowledge and empathy you need to move forward with confidence. Each episode delivers honest conversations, actionable advice, and a compassionate roadmap to help you make wise decisions during unsteady times. With guests from the worlds of finance, mental health, and personal transformation, this show is your go-to resource for finding clarity, strength, and yes—even peace—in the middle of life's messiest seasons. Because when everything changes, your financial future doesn't have to fall apart. Donna Kendrick, CFP®, is a financial advisor, author, speaker, and podcast host who turned personal tragedy into purpose. After the sudden loss of her husband in 2013, Donna found herself a widow with three young children—and a thousand unanswered questions. She rebuilt her life step by step and discovered how crucial financial clarity was during times of transition. Determined to help others facing similar upheavals, Donna became a CERTIFIED FINANCIAL PLANNERTM and founded Sephton Financial, a firm dedicated to supporting families in transition, including widows, divorcees, and blended families. Her firm has received the OSJ award for annual growth in 2022 and 2023, a testament to her impact and leadership. Donna is the author of two powerful guides: the #1 Amazon Best Seller A Guide to Widowhood: Navigating the First Three Years and the upcoming A Guide for Blended Families: Merging Assets and Navigating Financial Challenges (October 2024). She also hosts the Wisdom and Wealth Podcast, where she brings heart, honesty, and practical insight to those navigating life-altering change. A passionate long-distance runner, Donna channels her energy into fundraising for causes like Safe Harbor, a grief counseling organization for children. In 2022, she remarried and now embraces life in Jenkintown, PA, with her husband Jim, their six kids, and a small zoo's worth of beloved pets.Websites: sephtonfinancial.com & DonnaJeanKendrick.com Facebook: @DonnaJeanKendrickPodcast: Wisdom and WealthEmail: donna@sephtonfinancial.comTelephone Numbers: 215-948-3945 or 484-895-8629Instagram: @DonnaJeanKendrickYouTube: @DonnaJeanKendrickTikTok: @DonnaJeanKendrickBecome a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.

BACK BY Popular Demand … Want to freeze your property tax once you are 65+? You certainly can in this program! This is not a marketed program… that's why we did a OSJ Radio show on it. We also have a flyer on our newsletter every Friday. To join the Oklahoma Senior Journal newsletter along with our 10,000 other members, please go to OKSeniorjournal.com.To my left is Julie Ackerman, who has become an expert in her field on the property tax freeze for seniors. She discusses all about it. We do need to get our representatives and senators involved, and we will give you that information in this newsletter and on the OSJ radio show. We also have an encore of the OSJ radio show on Sunday at 1 o'clock on Freedom 97.9 FM.There are over 400,000 65+ who own their own home in the state of Oklahoma. Each of these owners is able to freeze property taxes once they are 65 or better.~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~Don't miss the show! And read the flyer – scan the flyer's QR code on it for more information. Julie Ackerman is passionate about getting this word out on property freezing for seniors and so is the Oklahoma Senior Journal. Listen in this Saturday @ 9:05am on FREEDOM 96.9FM Oklahoma's Talk Radio.~~~~~~~~~~~~~~~~~~~~~~~~~~~~Julie AckermanJulie Ackerman, a resident of Oklahoma since 2000, was born in Montana and lived in Texas before settling permanently in Oklahoma. She has lived in Shawnee Twin Lakes, Pottawatomie County, Shawnee, and now Oklahoma County where she plans to retire at the age of 67.Julie is available to speak at churches, retirement communities, or organizations of any kind. Email her for more information at seniortaxfreeze@yahoo.com.Facebook: facebook.com/seniorpropertytaxEmail: seniortaxfreeze@yahoo.comoksenate.gov/senatorsokhouse.gov/representatives

Welcome to Part 1 of a powerful three-part series focused on special needs financial planning. In this episode, I'm joined by the amazing Katy Bryan, a Chartered Special Needs Consultant from Skylight Financial Group. Katy brings over 14 years of experience helping more than 250 families plan for their future. We're breaking things down into real, understandable steps—starting with the basics. This episode focuses on the early stages of the journey—from diagnosis (or even before) to preparing for the unexpected. We talk about what parents should start thinking about when they first realize their child may need lifelong support, and how to start planning financially without being overwhelmed. What We Cover: Why financial planning matters early in the special needs journey Common challenges families face right after diagnosis How and when to reach out to your county Board of Developmental Disabilities (DD) Understanding Medicaid, Social Security, and how income affects eligibility What a waiver is and why you want to get on the list ASAP Navigating stigma, burnout, and the lack of direction many parents feel The emotional toll of those early years—and why it's okay if you're not thinking long-term yet When to start thinking about special needs trusts, STABLE accounts, and other tools Katy helps parents shift from survival mode to building a solid financial foundation for the future—one step at a time. Whether your child just received a diagnosis or you're several years into the journey, this episode is full of validation, guidance, and real-world advice. Guest Info: Katy Bryan Chartered Special Needs Consultant, Skylight Financial Group

Bryan compares Trump's first term including the economic landscape, stock market, global conflicts, and tariff schedule to Trump's second term. He highlights the impact of initial tariffs against China and the Tax Cuts and Jobs Act on the stock market in 2017 and 2018. Many similarities between the two terms and their trade wars can offer insights to investors. This episode's content can be supplemented by a more historical view on economics in Bryan's book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 

The 22nd year of Informed Senior Seminar is April 4th from 8am to 12pm and Bonus this is a FREE event !! Held at OSU/OKC campus at: 900 N. Portland Ave in the student center on the 3rd floor.Pictured above is Ms. Sheryl Presley the TRAID coordinator and this events committee head. Breakfast will be served from 8am to 8:30am and then a special panel discussion on scams, where you can ask questions. Special brake out sessions will be available to attend after the panel discussions. There will also be educational vendors sat up for FREE take away information.Multiple FREE Door Prizes will be given away as will! No RSVP needed !The Oklahoma Senior Journal will be given away at this event and the OSJ has been on the committee board for 20 years!~~~~~~~~~~~~~~~~~~~~Sheryl Presley, TRIAD Coordinator, Oklahoma City Police Department. Shery. became Oklahoma City's TRIAD Coordinator on October of 1998 This position requires working with the elderly in Oklahoma City she also works closely with the Oklahoma County Sheriff's Department in educating the elder citizens of Oklahoma as to their rights, opportunities available to them and laws that may affect their lives.She began ber career with the Oklahoma City Police Department on February 1992, as a Detention Officer in the City jail She served in this capacity for approximately 4 years when she transferted to “CIU”, the Crime Information Unit in January 4996Sheryl holds an Associate of Science degree in Criminal Justice from Oklahoma State University. She has held several Fraud Forums for Oklahoma City Police Department and Piedmont Police Department.She has enjoyed a long acquaintance with the Oklahoma City Police Department. Her father, George Doughty, served with the Oklahoma City Police Department for 34 years. She has one son named Skyler.Informed Senior Seminar April 4th 8am to 12:00pm at the OSU/OKC campus (Free Event) for more information see flyer in the OSJ e-newsletter or call Sheryl Presley at: (405) 642-9271

It is a call back OSJ Radio Show … We had so many emails & phone calls to rerun the “… More on Family Caregiving” show and we thought during this sleet and snow week that this would be the perfect time to replay!Family Caregiving is the hottest ticket and fastest growing entities all over the world to discuss. My mother (Bobbie Gray Diffee-Gunn) and I took care of my Father (Gordon Gunn) for 13 1/2 years, full-time 8 1/2 years and part-time for 5 1/2 years. He had Dementia which is under the umbrella ofAlzheimer's. We have learned a trunk load full of information about Family Caregiving. We will be addressing this on the OSJ radio show (Freedom 96.9FM @ 9:05am this Saturday, 1/18/25)After the holidays I received texts, email, and phone calls at the OSJ Magazine from adult children who are noticing issues with their parents like never before.Tune into this expert conversation with my mom and I on the issues of Family Caregiving and resources that are available. We also learned some great tricks of the trade that will help you and your loved one on an easier path with Journey on Family Caregiving.My mom and I are available for public speaking to any of your organizations or services on Family Caregiving. We've been speaking on this subject now for about five years. There's absolutely no cost.Listen in this Saturday @ 9:05am on FREEDOM 96.9FM Oklahoma's Talk Radio!Bobbie and Gordon Gunn___________Robin with parents Bobbie and Gordon GunnBobbie Gray Diffee-Gunn was born in Little Rock, Arkansas and came to Oklahoma City in the Bethany area in 1953 and has lived here the rest of her life. Except where her children were born in Ada, Oklahoma, but then came back to Bethan. She married the love of her life in 1955, Gordon Carl Gunn and has been a caregiver for him and others in her family along with her mother Laura Diffee._______Robin R. Gunn, along with Tippy as in Tippy Toes (Marketing Department) has been the publisher and editor for the last 33 years of the Oklahoma Senior Journal, the original and longest running 50+ magazine. Robin is also the cofounder of Second Half Expo and has been a radio air host for the last 7 1/2 years!Robin and TippyGordon Carl Gunn (my Daddy & Mom's Beloved) was born in 1928 and married mom at the Penney Nazarene College where he was a fifth year senior and she was one of the new freshman coming in. They built a beautiful life together in Bethany and Ada, Oklahoma and then back to Bethany. In 2005 Gordon was diagnosed with dementia and we walked that road with him for 13 1/2 years. He passed at age 92 at the veterans center in Norman, Oklahoma.Robin R. Gunn (405) 816-7889 Oklahoma Senior Journal | Publisher, and Editor | On Air Host | App | Expos | Networking | E-newsletter | Speaker | Columnist for the Oklahoman & USA

Celebrating Hope through Art with the Healthy Living of OKC, part of the Maps three program on Adult Wellness @ Education for the 50-Plus. Please notice the flyer in this OSJ e-newsletter for more information. Has your life been impacted by cancer? Unfortunately, pretty much all of us can say “yes”that we know someone in our immediate family or friends or ourselves. Celebrating Hope Through Art. Is a therapeutic way to approach this all to negative impact of cancer. This is the brainchild of Healthy Living OKC and a local artist. Please tune in to the OSJ radio hour tomorrow (Saturday) at 9:05 on Freedom 96.9 FM. For this impactful show. Ginger Kuncle with Healthy Living OKC over the NW Center on Rockwell & Hefner along with the Norman Healthy Living Center! Her title is Development Director for Healthy Living & Fitness. An expert in her Feild and listening in tomorrow will give you the education & information you need.healthylivingokc.comGinger Kunkle is the Development Director for Healthy Living and Fitness, the non-profit operating two of the metro area Adult Wellness and Education Centers: the Maps3 Adult Wellness and Education Center located on North Rockwell, and the Adult Wellness and Education Center in Norman. The mission of each center is to promote the health & wellbeing of adults age 50 and over by providing opportunities for physical activity, social engagement and lifelong learning.~~~~~~~~~~~~~~~~~~~~Facebook: www.facebook.com/healthylivingokcInstagam: @healthylivingokcPhone: 405-857-7390Website: www.healthylivingokc.com

Richard W. Amend the Mission & Community Relations Director at Saint Ann for the last 18 years. The Saint Ann independent & Assisted Living Center Community was established 22 years ago. The reputation of Saint Ann Retirement Center proceeds itself! There is no buy in and it's all inclusive in independent and assisted living. Chef prepared restaurant style dining and the amenities go on and on and we have great resident stories! Please tune in this Saturday, 3rd of February at 9:05 on the rise and thrive OSJ radio hour on Freedom96.9 FM or you can listen in on the OSJ App or on our 1700 podcast platforms.~~~~~~~~~~~~~~~~~~~~Richard has worked at Saint Ann Retirement Center for the past 18 years. Prior to that, he worked at Christ the King Church for 25 years in Senior Adult Ministry. He has an M.ED. in Adult Education emphasis on Gerontology. He hasalways had a passion working with senior adults and truly loves Saint Ann's. He and Cecilia have adopted 8 children.Richard also is Santa for hire for Santa Claus as well as working at Saint Anne as Santa Claus during the holidays!Screenshot7501 W. Britton Rd Oklahoma City, OK 73132 | (405) 721-0747 | also available on Facebook through their website. https://www.saintannretirementcenter.com/Saint Ann accepts all forms of faith!

More on … Family Caregiving is one of the hottest ticket and fastest growing entities all over the world to discuss. My mother (Bobbie Gray Diffee-Gunn) and I took care of my Father (Gordon Gunn) for 13 1/2 years, full-time 8 1/2 years and part-time for 5 1/2 years. He had Dementia and Alzheimer's. We have learned a basket full of information about Family Caregiving. We will be addressing this on the OSJ radio show (Freedom 96.9FM @ 9:05am this Saturday, 1/18/25) After the holidays I received texts, email, and phone calls at the OSJ Magazine from adult children who are noticing issues with their parents like never before. Tune into this expert conversation with my mom and I on the issues of Family Caregiving and resources that are available. We also learned some great tricks of the trade that will help you and your loved one on an easier path with Journey on Family Caregiving. Listen in this Saturday @ 9:05am on FREEDOM 96.9FM Oklahoma's Talk Radio! Bobbie Gray Diffee-Gunn was originally born in Arkansas and came to Oklahoma City in the Bethany area in 1953 and has lived here the rest of her life. She married the love of her life in 1955, Gordon Carl Gunn and has been a caregiver for him and others in her family with her mother Laura Diffee. Robin R. Gunn, along with Tippy as in Tippy Toes (Marketing Department) has been the publisher and editor for the last 33 years of the Oklahoma Senior Journal, the original and longest running 50+ magazine. Robin is also the cofounder of Second Half Expo and has been a radio air host for the last 7 1/2 years! Robin R. Gunn (405) 816-7889 Oklahoma Senior Journal | Publisher, and Editor | On Air Host | App | Expos | Networking | E-newsletter | Columnist for the Oklahoman | okseniorjournal.com | rgunn@okseniorjournal.com

The OSJ Radio Hour as in The Rise & Thrive OSJ Radio Hour … Has a “back by popular demand” OSJ radio hour… in studio is originally aired 12/14/24 and due to emails, a phone calls and texts… we knew we had to bring this show back to our listening audience! It is a world

The Rise & Thrive OSJ Radio Hour is bringing back a well received show, due to popular demand!!! We are proudly rerunning and reintroducing G&S Cleaning Services on our OSJ radio hour; Mrs. Shirrhonda Wettinburg owner of G&S Cleaning Services for the last 9 years!!! Her personal path lead her to open G&S Cleaning Services and she has never looked back! Shirrhonda handles in her services – Commercial, Residential and Rental “Make Readies” . I have personally hired Shirrhonda to clean my home (and many other projects ) Shirrhonda works and prays with my Mom who has hired her as well, both of us have used her services for the last 8 years now. Honesty, integrity, loyalty, and a superb job well done going above and beyond is her M.O. and Mission Statement! Hear her miraculous story of her life this Saturday December the 28th on 96.9FM FREEDOM Oklahoma's Talk Radio and ALSO consider giving a cleaning service FROM G&S Cleaning as THIS Holiday Season. Everyone can use that! Here is how to get ahold personally to Shirrhonda: 405-421-6046. If you missed this OSJ Radio show or you know someone that did get to tune-in … please do tune this Saturday 12/28/24 at 9:05am 96.9FM because the information is so vital and this makes a great gift as well maybe something for the new year for friends and family! My name is Shirrhonda Whittenberg, owner & operator of G&S Cleaning since 2016. I am a wise woman, very bold, confident and courageous. I'm a woman that has triumphed over my past. I'm someone who has broken generational curses. Seeing the change in me which I'm thankful to God. WIth all my experiences shaping the way I think and act and believe!

Pictured on OSJ radio studio is an Interactive Companion Pet – Realistic & Lifelike… What is this ? We will answer that and more on tools for families or professional caregivers. This show is dedicated to those the care for others. Either you will be a caregiver or you will be cared for. Pictured left to right in the above photo is Loyd Lightfoot, Shelley Gladden, and Donnie Lewis. These are experts in their field and their expertise is your reward! These are helping hands that can make difficult situations better for you or your loved one! Donnie Lewis, Program Manager III at Oklahoma Human Services Community Living, Aging and Protective (CAP) Services since 2024, manages the US Department of Health and Human Services Lifespan Respite Grants that partners with agencies across Oklahoma to support for caregivers. Community Engagement & Coalitions | Community Living, Aging and Protective Services (CAP) okdhs.org OKCares.org Loyd Lightfoot is an LRG Specialist with Oklahoma Human Services. A skilled professional with diverse experience in healthcare, tribal water/wastewater management, youth leadership, and community partnerships. Proven ability to organize conferences, recognize industry excellence, and collaborate with tribal housing authorities. Experienced in working with the Lifespan Respite Grant and Caregiving Resources. Community Living, Aging and Protective Services (CAP) | Oklahoma Human Services p. 405-521-2281 | c. 918-948-0810 | Loyd.Lightfoot.CTR@okdhs.org Shelley Gladden, Assistant Director at Oklahoma ABLE Tech since 2012, oversees the core programs of the AT Act, and plays a role in securing financial support at the state and federal level to better serve Oklahomans. An advocate for people with disabilities and a person with hearing loss, she serves on several state organizations and is passionate about serving Oklahomans. Shelley is Assistant Director – Assistive Technology Programs Oklahoma ABLE Tech, Oklahoma State University • Dept. of Wellness

Host, Bryan Kuderna, puts on his CFP hat to discsuss the concept of tax loss harvesting, explaining its significance in investing and tax planning. He discusses how to offset capital gains with capital losses, the importance of understanding capital gains taxes versus income taxes, the wash sale rule, capital loss income tax deduction, and when to implement tax loss harvesting effectively.    Chapters 00:00- Introduction to Tax Loss Harvesting 13:20- When to Use Tax Loss Harvesting 24:46- Current Market Context and Strategy   Keywords: tax loss harvesting, capital gains, investment strategy, tax planning, financial advice, portfolio management, tax benefits, investment returns, market trends, financial education, cfp, kuderna   This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    7385803.1 exp. 11/26    

Mark Matson is the CEO of Matson Money, managing over $11 billion in assets. He is an entrepreneur, author, and innovator in the fields of investing science and financial education. Mark works with over 300 advisory practices across the U.S., Canada, and Puerto Rico. He is the author of "Experiencing The American Dream" and frequent contributor to Fox Business, CNBC, Yahoo Finance, and Bloomberg.   This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194  7347960.1 exp. 11/26

Kuderna provides a comprehensive analysis of the economic agendas of the 2024 presidential candidates, Kamala Harris and Donald Trump. He discusses key economic indicators such as unemployment, inflation, GDP, national debt, and the stock market, setting the stage for a detailed examination of each candidate's proposals. Harris's agenda focuses on increasing taxes on corporations and the wealthy while providing support for young families and first-time homebuyers. In contrast, Trump's agenda emphasizes tax cuts, deregulation, and a strong stance on international trade, particularly with China.   Chapters 00:00- Introduction to the Economic Landscape 10:37- Kamala Harris's Economic Agenda 17:10- Donald Trump's Economic Agenda 28:39- Concerns and Opportunities in Economic Policies   keywords: election 2024, economic agenda, Kamala Harris, Donald Trump, personal finance, unemployment, inflation, GDP, national debt, stock market     This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194    7245090.1 exp. 10/26

In this episode, Ellina Yin speaks with Dr. Angelica Cortez about the history and power of voting and civic participation, and a little bit about the Upcoming 2024 Elections.  Guest: Dr. Angelica "Gel" Cortez is a nonprofit executive, organizer, and leading voice in the Filipina/x/o American power building movement. Voted as a Silicon Valley Woman of Influence and 40 Under 40, she is the mind behind multiple civic and health equity campaigns across the state and nation. She is the current Executive Director of LEAD Filipino and first Senior Vice President of Justice, Equity, Diversity, and Inclusion (JEDI) for Pacific Clinics, the largest mental and behavioral health service provider in California. Additionally, she is the owner of FancyHeadz, a social enterprise that produces headwear and accessories to support health services in Southeast Asia. Check out OSJ's latest podcast project, you can find Only in Santa Clara wherever you get your podcasts and on YouTube. 2024 Voter Guides: https://linktr.ee/onlyinsj2024 Resources: ​Emancipation Proclamation (1863) ​Civil Rights Act (1866) ​Voting Rights Act (1965)  ​14th Amendment to the U.S. Constitution: Civil Rights (1868) ​15th Amendment to the U.S. Constitution: Voting Rights (1870) ​California Voting Rights Act  (2001) ​The California Voting Rights Act and Local Governments by David C. Powell, California State University, Long Beach  ​Post-Election Trends in County of Santa Clara https://data.sccgov.org/stories/s/m73k-nkyp  ​Pew Research Center, Voter Turnout 2018-2022 https://www.pewresearch.org/politics/2023/07/12/voter-turnout-2018-2022/  ​State-by-State Youth Voter Turnout Data and the Impact of Election Laws in 2022 https://circle.tufts.edu/latest-research/state-state-youth-voter-turnout-data-and-impact-election-laws-2022  ​APIA Vote Survey https://apiavote.org/wp-content/uploads/2022-Asian-American-Voter-Survey-Report.pdf Mis/Disinformation Tools: ​InVID Reverse Search Tool: https://www.invid-project.eu/tools-and-services/invid-verification-plugin/  ​Lateral Reading and the Nature of Expertise: Reading Less and Learning More When Evaluating Digital Informationhttps://purl.stanford.edu/yk133ht8603  ​Hive Ai Detection Softwarehttps://thehive.ai/apis/ai-generated-content-classification  ​Dare to be Greyhttps://www.daretobegrey.com/home 

Bryan discusses the pros and cons of custodial accounts, particularly UTMAs (Uniform Gift to Minors Act). He covers the 2024 gifting limits and lifetime estate tax exemption, restrictions on custodial accounts, and potential tax advantages. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194  7202937.1 exp. 10/26

Episode 033 | Larry Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (oh my!) of Physician Financial Services is a great person to know if you're in the market for disability insurance. If you're a physician and have never even thought about or heard of disability insurance, he's an even better person to know.There is no shortage of insurance agents and/or financial advisors who work with or want to work with physicians. However, the one thing that cannot be replicated is experience. Working with an Insurance Agent familiar with the underwriting of both disability and life insurance policies can potentially minimize any surprises during the process.Larry spoke at the 2022 Physician Wellness and Financial Literacy Conference (WCICON22) and is a frequent contributor to White Coat Investor. While he might not be a doctor's first phone call regarding their insurance needs, he is often their last.Tune in to hear Larry's story and learn about the vital role disability insurance plays in a physician's overall financial health.Connect with and learn more about Larry Keller, CFP, and Physician Financial Services

Stephen Foerster, a professor of finance at the Ivy Business School, discusses various topics related to investing, including the impact of election years on the markets, the importance of having an investment philosophy, and the role of bonds in a portfolio. Foerster shares his personal investment philosophy and highlights the challenges of trying to outperform the market. He also shares stories from history, such as Roman generals and the New York Mets, to illustrate investing lessons about knowing when to do nothing and understanding opportunity costs. Learn more about Steve's work and new book at https://stephenrfoerster.com. Keywords: investing, election years, markets, investment philosophy, bonds, national debt, government bonds, corporate bonds, risk-free, interest rates, inflation, bond prices, investment horizon, liquidity needs, inverted yield curve, diversification, opportunity costs, financial goals Chapters 00:00- Introduction and Background of Stephen Foerster 03:33- The Importance of an Investment Philosophy 16:14- The Role of Financial Advisors in Emotional Support 18:07- The Value of Simplicity and Index Funds 20:04- The Impact of Presidential Policies and Interest Rates 28:30- The Concerns Surrounding the National Debt 34:3- Understanding the Distinction between Government Bonds and Corporate Bonds 37:55- The Risk of Not Getting Money Back with Corporate Bonds 44:28- The Inverse Relationship between Interest Rates and Bond Prices 51:53- The Importance of Diversification in Investment Portfolios 57:13- Knowing When to Not Take Action 01:05:46- The Three Levers to Reach Financial Goals This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #7006931.1 Exp. 9/26

Father Matthew Spencer, OSJ joined Patrick for a conversation about spiritual warfare. Topics included: warfare in Ephesians (3:05), reality of the spiritual world (6:49), caller: get rid of tarot cards (8:51), caller: my mom was into Santeria (19:06), tweet: my husband reads his horoscope; what should I tell him? (25:05), importance of prayer & the Rosary (29:33), fasting! (37:08), caller: how does one determine a major and minor exorcism (44:34). 

Hour 2 for 6/27/24 Drew prayed the Chaplet with Elizabeth Simutus (:09) and was joined by Maggie for an update (3:24). After the Chaplet, Fr. Matthew Spencer, OSJ discussed religious persecution in India (30:59). 

Father Matthew Spencer, OSJ joined Patrick for a conversation about spiritual warfare. Topics included: warfare in Ephesians (3:05), reality of the spiritual world (6:49), caller: get rid of tarot cards (8:51), caller: my mom was into Santeria (18:51), tweet: my husband reads his horoscope; what should I tell him? (24:50), importance of prayer & the Rosary (29:18), fasting! (36:53), caller: how does one determine a major and minor exorcism (44:19). 

Super-OSJ or RIA?Let's start with what is an OSJ?Let alone, what makes an OSJ “Super?”And then how does it compare to an RIA?If you are considering joining either, it is important to understand the distinct regulatory and competitive differences between them.In this episode of the Transition To RIA question & answer series I explain how these two models differ, and why you might choose one over the other for your practice.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-the-difference-between-a-super-osj-and-an-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Conversación con el Padre Luis Chumpén OSJ. Colabote con la Fundación San Elias en este link. --- Support this podcast: https://podcasters.spotify.com/pod/show/qntlc/support

Father Matthew Spencer, OSJ joined Patrick for a conversation about sacred music. Topics included: what sacred music is (3:14), singing the mass (12:29), types of sacred music (18:25), caller: why does my parish sing during the offertory? (24:33), caller: history of my Church's historical music (27:28), caller: thoughts on Sister Act? (32:53), the Bishop Wichita's pastoral letter on Sacred Music (38:23), caller: instruments at Mass (41:39).  Fr. Spencer's App - https://squarenote.co/ Bishop Kemme's pastoral letter -  https://catholicdioceseofwichita.org/let-us-sing-with-the-lord-bishop-kemme-urges-in-pastoral-letter/

Father Matthew Spencer, OSJ joined us for a great conversation about discerning and doing God's will. Topics included what discernment is (2:54), choosing between two good things (13:07), how family and friends help us on our journeys (17:26), how God works through our desires (20:45), caller: I learned to remove pride and despair (23:23), saying yes to God (26:51), caller: Chronic illness and God's will (31:03), caller: God's will in choosing a parish ministry (37:34), caller: God's will through health scare (42:55).  Original Air Date: Mach 22, 2023

Perrin is a Co-Founder of Polaris Healthcare Partners. Polaris Healthcare Partners helps healthcare entrepreneurs build successful group practices. We create clarity, confidence, and results through education, strategic consulting, growth capital sourcing, and equity. They help healthcare entrepreneurs build and exit successful group practices. Listen to this information-packed Financial Flossing episode discussing the challenges of building a group practice. What is the biggest challenge that prevents growth? Are you scaling yourself out of the clinician role? Why you should reconsider building a group or DSO. Pros and cons for a fee for service practice. Learn basic growth strategies. Website: http://www.polarishealthcarepartners.com Facebook: https://www.facebook.com/PolarisHealthcarePartners/ LinkedIn: https://www.linkedin.com/in/perrin-desportes-7428067/ LinkedIn: https://www.linkedin.com/company/polaris-healthcare-partners/ YouTube: https://www.youtube.com/channel/UCMINy8AfUJRQ1xHogiMicUg Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 3664 Coolidge Ct.,Tallahassee, FL 32311, 850-562-9075. Securities products and advisory services offered through PAS, member FINRA,SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PASis a wholly owned subsidiary of Guardian. North Florida Financial is not an affiliate or subsidiary of PAS or Guardian. CAinsurance lic. #0L10073, AR Insurance lic. # 16139032. Learn more about your ad choices. Visit megaphone.fm/adchoices

Father Matthew Spencer, OSJ joined Patrick for a conversation about work. Topics included: work & God's plan (2:56), why do we work? (9:24), St. Anthony of the desert (12:24), caller: we used to pray in the Navy (16:27), caller: I feel my husband engages more with work than with us (22:16), caller: I left my advertising job (25:28), what if I don't like my job? (30:09), caller: I try to keep prayer at the forefront (37:14), evangelization (41:53), and caller: I feel I lose God's presence at work (44:12). 

Host, Bryan Kuderna, provides a brief summary of the stock market in 2023, including the winners and losers of the year.  He shares his outlook for 2024 and economic indicators to look out for, including GPD, unemployment, inflation, and recession. This episode is brought to you by Bryan's new book, "What Should I Do with My Money?", available in paperback, Kindle, or audiobook wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2024-167182 Exp. 1/26

Father Matthew Spencer, OSJ, joined Patrick for the third of a three-day series on the Beatitudes. Topics included blessed are the clean of heart (3:40), the importance of chastity (12:07), caller: giving online to my parish (14:58), 'for they shall see God' (17:55), what kind of 'peace' are we to make? (22:53), how do we foster peace? (27:10), what does it mean to be a Son of God (30:24), caller: peacemaking in my family (37:14), blessed are you who are persecuted for the sake of righteousness (43:04).  Original Air Date: 6/28/23

Father Matthew Spencer, OSJ joined Patrick for the second of a three-day series on The Beatitudes. Topics included: who the meek are (4:02), how do we inherit the earth? (8:24), what it means to hunger and thirst for righteousness (19:21), for they shall be satisfied (28:53), caller: I'm waiting for justice after my husband was shot (32:47), blessed are the merciful, for they shall obtain mercy (37:42), Scripture and Mercy (41:18), email: which Beatitude should I practice in this situation (48:22). Original Air Date: 6/27/23

In today's episode of The Hero of the Hour podcast, Mark Murphy has an insightful conversation with James Walter, a true hero making a significant impact on people's lives with his powerful message about health and healthcare.James is a passionate advocate for preserving health and taking responsibility for one's own well-being. Inspired by his personal experience with his father's early passing, James dedicated his life to finding ways to help others lead healthier lives and avoid preventable diseases.You will find out about the compelling link between exercise and its positive impact on chronic health conditions like high blood pressure, high cholesterol, and diabetes. James shares how incorporating more movement into your daily routine, even in small ways, can have a significant compounding effect on overall health.You will learn that exercise is a powerful form of medicine, and how, by taking charge of our health, we can avoid the need for multiple medications and potential side effects associated with them.James will also talk about his experiences speaking in front of various audiences all over the country, sharing his message and inspiring others to prioritize their health and well-being.Join us for an engaging discussion with James Walter, as he emphasizes the importance of preserving your health and living a balanced life. Learn how you can make small changes that lead to significant improvements in your overall health and well-being.Enjoy!What You'll Learn in this Show:The connection between exercise and preventing chronic health conditions.How to incorporate more movement into your daily routine for better health.The power of exercise as a form of medicine.Inspiring stories of making a positive impact on people's lives.Practical tips to prioritize your health without sacrificing other aspects of your life.And so much more...Resources:Mark B. Murphy websiteNortheast Private Client GroupMark B. Murphy LinkedinNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST...

Father Matthew Spencer, OSJ joined Patrick for the first of a three-day series on The Beatitudes. Topics included: the Sermon on the Mount (2:07), what is real happiness (7:06), caller: the Beatitudes & God's will (10:26), why does Jesus sit down when He teaches (16:47), blessed are the poor in spirit (19:19), attachments (23:37), caller: I realized material things couldn't make me happy (29:23), caller: do we need to suffer to be happy (37:42), blessed are they who mourn (40:09), and caller: can I be happy while mourning? (43:34).  Original Air Date: 6/26/23

Mark Chalmers is the President and CEO of Energy Fuels, the leading U.S. producer of uranium and an emerging global player in the commercial rare earth business.  He has consulted several key industry leaders in the uranium supply sector, including BHP, Rio Tinto, and Marubeni. Chalmers holds a Bachelor of Science in mining engineering from the University of Arizona, is a registered professional engineer, and served as the Chair of the Australian Uranium Council for ten years. He holds dual citizenship in the U.S. and Australia. To set the stage for our interview, the U.S. is the largest producer of Nuclear Power (almost double China) and 24% of our enriched Uranium comes from Russia.  The U.S. has banned Russian oil and natural gas, but not Uranium.  According to the Energy Information Administration, as of 2022, 18% of U.S. energy comes from nuclear, versus 61% from fossil fuels and 21% from renewables. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166766 Exp. 12/25

Scott Fulford is a senior economist at the Consumer Financial Protection Bureau and author of The Pandemic Paradox: How the COVID Crisis Made Americans More Financially Secure.  Scott Fulford led the development of the bureau's “Making Ends Meet” surveys. His wide-ranging policy and academic research examine the economic shocks people face and how they deal with them, as well as how economies grow and develop in the long term.  Scott has a PHD in Economics from Princeton. Order Scott's new book at https://www.amazon.com/Pandemic-Paradox-Crisis-Americans-Financially/dp/0691245320/ref=sr_1_1  Learn more about Scott at https://www.consumerfinance.gov/data-research/cfpb-researchers/scott-l-fulford/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166548 Exp. 12/25    

In today's episode of The Hero of the Hour Podcast, Mark chats with Mike Boone, football running back for the Houston Texans of the NFL. He played college football at the University of Cincinnati and signed with the Minnesota Vikings as an undrafted free agent in 2018. Mark also sits down with Mike Tisch, Financial Specialist at Sports Wealth Asset Group, a business created to help athletes and entertainers realize financial wellness. SWAG's team of account executives consists of attorneys, Certified Public Accountants, Chartered Life Underwriters, Chartered Financial Consultants, Certified Financial Planners, NFLPA registered financial planners and MBAs, providing breakthrough thinking that can reduce costs and capture more money to help build their client's wealth and bring significant value to their brand.During the episode, they discuss Mike Boone's background, how he started in a small town just outside Jacksonville, Florida, to getting his degree and playing football with the University of Cincinnati.They talk about Mike Boone's belief in taking care of himself and his money, leading to good decisions and making Mike Tisch's job that much easier.Mike also offers some thoughts on the most important things he looks for in evaluating which team he will play for next year.Join Mark, Mike and Mike for this fascinating discussion!Enjoy!What You'll Learn in this Show:The importance of finding your passion outside of football. The difference between a regular season and a playoff game.The camaraderie of the Cincinnati Bengals.And so much more...Resources:Mike Tisch LinkedInSports Wealth Asset GroupNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of...

Father Matthew Spencer, OSJ joined Patrick for a conversation about trusting God. Topics included: how God reveals his trustworthiness (5:55), what happens when it seems God doesn't open a door (9:24), caller: I was diagnosed with a disease and I'm waiting for God (22:02), caller: I'm struggling with postpartum depression (28:20), email: I prayed the Rosary for 20 years and now my husband is joining RCIA! (31:54), caller: My son died 17 years ago and it still haunts me (33:53), caller: I am homeless, but I still have trust and hope (40:53), email: I have uncertainty regarding my future with my girlfriend and our baby (47:13).  Original Air Date: 9/26/23

In today's episode of The Hero of the Hour Podcast, Mark chats with Cathy Savage, owner of the Savage Coaching Agency. She is a speaker for conferences, and has appeared on television, in magazines or online. She started her fitness company over three decades ago and served as a ‘Manager' for her clients, helping thousands of women soar to greatness in many industries. She has been featured on MTV, ABC News, Fox News, and ESPN and has contributed to countless magazine publications. Cathy puts her clients in front of the right people, marketing and promoting them, and helping them step into a realm of magnificent success. She is a graduate of Boston College with post graduate work in Brand Management from Ivy League universities.During the episode, they discuss Cathy's entrepreneurial path, from her fitness empire started nearly three decades ago, to her current elite coaching business helping women all over the world.They talk about Cathy's PROOF toolkit, a step-by-step approach that helps women confidently understand what's best for their health, body, lifestyle, and long term relationships.Cathy also shares the reasons why she feels that mindset is a decision that you make to believe in yourself.Join Mark and Cathy for this fascinating discussion!Enjoy!What You'll Learn in this Show:How Cathy got started on the entrepreneurial path.The four unique coaching programs that Cathy offers.The importance of branding in business.And so much more...Resources:Cathy's websiteNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License Number - 0B36048, AR Insurance License Number - 741545.2023-164800 Exp 11/25

In today's episode of The Hero of the Hour Podcast, Mark chats with Ryan Gottfredson, Ph.D., a mindset author, researcher, and consultant. He helps organizations vertically develop their leaders primarily through a focus on mindsets. He helps improve organizations, leaders, teams, and employees by improving their mindsets. Ryan is currently a leadership and management professor at the College of Business and Economics at California State University-Fullerton (CSUF). He holds a Ph.D. in Organizational Behavior and Human Resources from Indiana University, and a B.A. from Brigham Young University.During the episode, Ryan explains why he believes that true heroes (or leaders) are people who aren't concerned with their own safety or comfort, nor do they want the outcomes, the accolades... they just want to create value for others.They talk about the importance of elevating an organization by elevating its cognitive and emotional sophistication. In other words, by making sure the executive team are operating on a higher level, which leads to transformational turnarounds and healthy growth for business.Ryan also offers insights on his belief that leadership is not just about doing the right things, it's also about being somebody that others want to follow.Join Mark and Ryan for this fascinating discussion!Enjoy!What You'll Learn in this Show:Concepts such as 'vertical development' and 'elevated mindsets.'The difference between a top-down company, working with the CEO first, and one that works with teams.What the future holds for Ryan and the leaders he works with.And so much more...Resources:Ryan Gottfredson's websiteRyan's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of...

In today's episode of The Hero of the Hour Podcast, Mark chats with Al Gaburo, Strategic Advisor, and lobbyist for Princeton Public Affairs Group, Inc. Al is a partner at PPAG, NJ's premier government relations firm. Over the past three decades Al has earned a reputation as one of the state capital's most knowledgeable and respected advocates. His practice centers around healthcare, insurance, transportation, environmental and economic development issues. His client roster reads like a “who's who” of business in NJ including industry leading corporations in the pharmaceutical, insurance, hospital, maritime and transportation industries.Al has served as a political strategist and Senior Advisor to countless campaigns ranging from local to county clerk , Sheriff, surrogate, and county commissioner. He has also served as Senior Advisor on US Congress, US Senate and Gubernatorial campaigns.During the episode, they discuss Al's definition of a hero, and the people he's looked up to as heroes in his life, from athletes to statesmen such as Dwight Eisenhower and Winston Churchill.They talk about government work and why businesses that try to succeed without accessing the help of the government often struggle.Al also explains why it's so vital for people to talk to each other, no matter their politica stripe, and try to solve common problems in a bipartisan way that benefits everyone.Join Mark and Al for this fascinating discussion!Enjoy!What You'll Learn in this Show:How public affairs work differs from public relations.The reasons why politics are so important, even in our everyday lives.Al's favorite legislator of all time.And so much more...Resources:Princeton Public Affairs GroupAl's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary...

In today's episode of The Hero of the Hour Podcast, Mark chats with JJ Birden, a former NFL Pro turned motivational keynote speaker. JJ was the #1 high school wide receiver in Oregon, however, he didn't receive a single D1 scholarship offer. He was fast enough, but at 5'9 and 133 lbs., JJ was just too small to play with the big boys. At least that's what the naysayers thought; JJ knew he was good enough, and he set his mind to achieving the impossible. All he needed was an opportunity, no matter how small, even if it meant making his own. He later went on to play 9 seasons in the NFL (an average NFL career is less than a quarter of that) despite never being the biggest, strongest or most physical guy on the field.During the episode, JJ explains how he defines a hero - someone who's out there taking the lead, and leading by example. Someone who sets the right example at the right pace.They talk about the importance of a good mindset, and why it's vital in any area of achievement, especially business.JJ also offers insights on finding the right mentor who can help you create a plan, and put a strategy together to achieve successes you couldn't have dreamed of before.Join Mark and JJ for this fascinating discussion!Enjoy!What You'll Learn in this Show:Why JJ has actually been more successful off the field than he did on, despite having a VERY successful NFL career.How JJ transitioned into network marketing following his NFL career.How anterior cruciate ligament (ACL) injuries have changed in the NFL.And so much more...Resources:JJ's websiteJJ's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. NORTHEAST PRIVATE CLIENT GROUP...

In today's episode of The Hero of the Hour podcast, Mark Murphy has an insightful conversation with Bob Ball, a veteran of the Financial Services Industry since 1978, excelling as a top Agent, General Agent, and Coach for financial advisors.He notably transformed a scratch operation into a Master Agency during his 18 years at Guardian Life Insurance Company. As President of LEAP SYSTEMS, Inc., he expanded insurance selling systems and training services. Bob's recent role as a consultant for Guardian led to the creation of the innovative asset aggregation tool, The Living Balance Sheet, benefiting over 250,000 clients and empowering 2,000+ financial professionals. His passion for teaching financial advisors to convey their value has earned him a highly regarded reputation.In this episode, you will find out how Bob journeyed from a modest upbringing to becoming a prominent influencer in the financial industry. Mark and Bob will discuss the importance of being elite in your profession and striving to be better every day. Bob will share his experiences as a top financial advisor and the significant impact of creating The Living Balance Sheet on people's lives.Bob will explore the concept of financial balance and the dangers of chasing high returns without proper protection. He will also offer valuable advice on creating multi-generational wealth and the importance of making informed decisions regarding insurance, risk, and savings.Listen now and enjoy!What You'll Learn in this Show:Bob's journey from a successful college basketball career to a prominent figure in the financial industry.The transformational impact of The Living Balance Sheet on clients and financial professionals.The significance of protection and insurance in achieving financial balance.The dangers of chasing returns and the value of a disciplined approach to wealth-building.The importance of liquidity and maneuverability in responding to life events.Bob's perspective on legacy and the profound impact of everyday interactions.And so much more…Resources:Mark B. Murphy websiteNortheast Private Client GroupMark B. Murphy LinkedinNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS,...

In today's episode of The Hero of the Hour Podcast, Mark chats with Julie Subotky, author of "Consider It Done: Accomplish 228 of Life's Trickiest Tasks" and the founder and CEO of Consider it Done, a personal concierge service originally based in Aspen, Colorado but eventually relocated to New York. Early in her career, Julie recognized the opportunity to help others live more fully by both giving them back their time and by helping them to maximize the impact of special moments - nothing a little planning, organization, insider knowledge, and creativity couldn't help with. No matter the task, Julie always said, "consider it done," and found a way to make it happen. With loyal clients and a best-selling book, Julie has grown the business to spread across the country.During the episode, they discuss the factors that led to her writing her book, "Consider It Done: Accomplish 228 of Life's Trickiest Tasks."They talk about Julie's background and her journey: where it began, where she is now on the entrepreneurial path, and where she's headed next. Specifically, her shift into the coaching space, working with people on developmentally changing themselves in order to change either their businesses or something that wasn't working for them.Julie also shares her thoughts on why we need to embrace change and why we need to learn to live with not knowing what things will be like tomorrow.Join Mark and Julie for this fascinating discussion!Enjoy!What You'll Learn in this Show:Why you don't have to be attached to your business the same way your grandfather was.The liminal space between transition and change.Why we don't like to be with the uncomfortable, and why we need to embrace it.And so much more...Resources:Consider it DoneConsider it Done bookNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and...

In today's episode of The Hero of the Hour Podcast, Mark chats with Alain Van Loo, the Chief Operating Officer at Intrommune Therapeutics and the Founder of Assetive.io. Alain founded Assetive to leverage 25 years of experience in global business and capital investment to work for its clients. His experience over those decades involved investment banking in both the US and Europe, portfolio management and strategist at a globally ranked macro hedge fund as well as a Chief Investment Officer working with private wealth and family offices.During the episode, they discuss Introimmune's work in developing safe and effective solutions for individuals suffering with food allergies - who number over 220 million globally, approximately 32 million in the US alone.They talk about the importance of surrounding yourself with a team of good people skilled in various disciplines, particularly the ones that aren't your strengths.Alain also offers his thoughts on investing: instead of implementing a five-pronged investment strategy, decide on two or three that make the most sense and go deep on those.Join Mark and Alain for this fascinating discussion!Enjoy!What You'll Learn in this Show:A little of Alain's background working with Introimmune, providing disease-modifying treatment through their oral mucosal immunotherapy (OMIT) platform.Why Alain thinks the biggest risk for 2023 is interest rates.Why a 'wait and see' attitude to investing is dangerous.And so much more...Resources:Introimmune TherapeuticsAssetive.ioAlain's LinkedInNortheast Private Client GroupMark B. Murphy LinkedinMark B. Murphy websiteNortheast Private Client Group Youtube ChannelBooks:Get Mark's Book Here: The Ultimate Investment: A Roadmap To Grow Your Business and Build Multigenerational WealthExtraordinary Wealth: The Guide To Financial Freedom & An Amazing LifeThis podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian, and opinions stated are their own. Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 200 BROADHOLLOW ROAD, SUITE 405, MELVILLE NY, 11747, 631-5895400. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian....

Rita Robbins is the Founder and President of Affiliated Advisors, a Super-OSJ with Royal Alliance that supports 90 financial advisors and collectively manages $3.5 billion in assets under advisement. Rita stands out for her pioneering role in establishing one of the first woman-owned Super-OSJs nearly three decades ago. She has observed the transformation of the super-OSJ model from providing local oversight of brokers selling proprietary products to becoming back-office platforms that offer an increasingly open-architecture product shelf along with compliance, technology, marketing, business management, and other support to independent financial advisors. Listen in as Rita shares her journey through the evolution of broker-dealer platforms, her strategies for growing her platform, and how her firm thrived during the pandemic due to its robust technological support. Drawing from her decade-long experience as a wholesaler, Rita discusses the launch of her own OSJ, the expansion of her platform's leadership, and her deep understanding of the advisor community's needs. She also opens up about early-career pressures, a traumatic embezzlement incident, and her ongoing struggle with focusing on uncontrollable factors while navigating business challenges and cycles. For show notes and more visit: https://www.kitces.com/343