Podcasts about Ownership

There's a big difference between working on a platform and owning the platform. I can do the work and get paid, but some of the value I produce still goes to the company and the ownership of the company. If I want the highest ROI from a platform, I need to understand that the highest leverage comes from owning it outright. Show Notes: [05:22]#1 Workers earn income, whereas owners capture value. [14:21]#2 Platforms can scale beyond individual output.  [17:54]#3 Ownership creates leverage. [20:39] Recap Episodes Mentioned: 1690: A Dirty Secret That Social Media Platforms Don't Want You To Know Next Steps: --- Execution is not a talent.   It is a standard. If your results don't match your ability, something in your approach is out of alignment. Most people do not have a motivation problem.   They have a consistency problem. Power Presence is the system for operating with greater discipline, clarity, structure, and execution under pressure. Learn more: → http://www.PowerPresenceProtocol.com  Know what to do but not always doing it?  Measure your execution at → http://RateMyExecution.com. Get Dre's free Daily Game email at http://WorkOnMyGame.com. Every day you'll receive one practical lesson on leadership, mindset, discipline, and execution to help you perform at a higher level. No fluff. Just game

The Treasury Department is changing the rules on which businesses have to report their ownership to the government. The Biden-era requirements were intended to prevent money laundering, but critics say they were too onerous. Will the changes make it easier for dirty money to get into the U.S.? Then: Even though the Trump administration says we're in control of the Straight of Hormuz, barely any ships are getting through. But unlike at the start of the war, oil markets don't seem spooked. We explain. Stories featured in today's episode:Treasury changes rules for business reporting ownershipEvery story has an economic angle. Want some in your inbox? Subscribe to our daily or weekly newsletter.Marketplace Morning Report is more than a radio show. Check out our original reporting and financial literacy content at marketplace.org — and consider making an investment in our future.

August 12th, 2026 Follow us on Facebook, Instagram and X Listen to past episodes on The Ticket’s Website And follow The Ticket Top 10 on Apple, Spotify or Amazon MusicSee omnystudio.com/listener for privacy information.

Phil Le-Brun, former McDonald's VP and International CIO and current AWS leader, shares how companies can avoid common “anti-patterns” like excessive bureaucracy and rigid structures, and defines what "artificial ownership" is, and how it can erode team creativity and cohesion.Hear Phil's full interview in Episode 506 of The Action Catalyst.

There is a massive technological shift occurring right under our noses in 2026, from trash trucks scanning your home for "code violations" in Florida to the quiet launch of a global digital currency while layers of surveillance and financial control are thickening. The U.S has 3,600 data centers compared to China's 300, the "tokenization" of every physical asset on Earth shows a larger agenda of resource management and human control has begun. 

Patrick Larkin, Partner & Practice Leader, Cerity Partners Three years after launching his independent RIA, Patrick Larkin merged with Cerity Partners—but not because that was the original plan. He explains how ownership changed the way he viewed enterprise value, optionality, and the future of his business. In Summary Going independent is often viewed as the destination. Patrick Larkin discovered it was just the beginning. Louis sits down with Patrick, Partner and Practice Leader at Cerity Partners and former founder of Oak Hill Wealth Advisors, to discuss an unconventional journey: leaving Wells Fargo to build an independent RIA, then choosing to merge that business just three years later. Rather than following a predetermined exit strategy, Patrick shares how ownership fundamentally changed the way he thought about enterprise value. A conversation with a prospective acquirer revealed that buyers weren't interested in purchasing a book of business—they were looking for a business. That realization reshaped how he invested, hired, delegated, and ultimately positioned his firm for the future. The conversation from our Build Grow & Transact series also offers a candid look at life after a merger, from evaluating cultural fit and partnership to balancing autonomy with the resources of a larger organization. More broadly, it illustrates how ownership creates optionality—and why the most valuable decision an advisor makes may not be the one they originally envisioned. The Storyline After spending nearly 15 years building a successful practice at AG Edwards, Wachovia, and Wells Fargo, Patrick Larkin launched Oak Hill Wealth Advisors in 2022 with a simple objective: build a business on his own terms. Like many advisors, he expected independence to be the final destination for a long time. But then there was the realization that ownership changes more than economics; it changes perspective. And it became the beginning of an entirely different way of thinking. As acquisition inquiries arrived sooner than expected, Patrick realized something that fundamentally changed his strategy. Sophisticated buyers weren't evaluating his client relationships as a book of business; they were evaluating Oak Hill as an enterprise. That insight shifted his priorities from maximizing short-term profitability to building a business that could thrive beyond its founder. Just three years after launching, Patrick chose to merge with Cerity Partners—not because he was looking for an exit, but because he believed it strengthened the future for his clients, his team, and his family. Louis and Patrick explore what led to that decision, how ownership increased the value of his business almost immediately, why he compares independence to an IPO, and what advisors should consider if they hope to create options for the future—even if they don't yet know what that future looks like. Topics Covered Building enterprise value versus maximizing annual income Creating optionality through ownership Leaving Wells Fargo to launch an independent RIA Why buyers value businesses more than books of business Evaluating strategic partners and acquisition opportunities The economics of independence and business valuation Life after merging with Cerity Partners Balancing autonomy with enterprise-scale resources Leadership, succession, and building beyond the founder Long-term ownership and partnership models > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Patrick decide to leave Wells Fargo? (11:07) Patrick explains why growing frustrations around control, firm priorities, and the ability to build his business eventually outweighed the comfort of staying put. How did going independent immediately change the value of his business? (21:42) Patrick introduces one of the episode's biggest ideas: why launching Oak Hill felt like taking a company public and how ownership increased the firm's value almost overnight. Why did Patrick sell only three years after becoming independent? (20:03) An unexpected conversation with a prospective acquirer completely changed how he viewed enterprise value and accelerated his long-term thinking. What separates a business from a book of business? (21:42) Patrick discusses why recruiting advisors, delegating client relationships, and investing beyond himself made Oak Hill more attractive to strategic buyers. Why Cerity Partners? (26:48) Rather than focusing on valuation, Cerity emphasized culture, partnership, and long-term alignment—qualities Patrick says ultimately mattered most. What is life actually like after a merger? (37:57) Patrick offers an unusually candid perspective on autonomy, leadership, and why he says he hasn't second-guessed the decision once. Key Takeaways Ownership creates opportunities that often aren't visible until after independence. Enterprise value is built by creating a business that can thrive beyond its founder. The first acquisition conversation can be valuable even if no transaction occurs. Cultural alignment may ultimately matter more than valuation when selecting a long-term partner. Independence doesn't eliminate future options—it expands them. Strategic transactions can strengthen outcomes for clients, employees, and owners simultaneously. The goal isn't simply to own a business; it's to create choices for what comes next. https://youtu.be/f7FGLGjBbyo Quotable Moments “The day Oak Hill launched felt like the business had gone public.” “Potential acquirers weren't interested in buying a book. They were interested in buying a business.” “Ownership isn't simply about control. It's about creating optionality.” “The fear of leaving is almost always worse than the actual experience of leaving.” FAQs Why did Patrick Larkin merge with Cerity Partners only three years after launching his RIA? Patrick explains that independence changed how he viewed enterprise value. After learning what sophisticated buyers were actually looking for, he intentionally built Oak Hill as a business rather than simply managing for annual profitability. Why does Patrick compare independence to an IPO? Because ownership immediately transformed the economic value of his practice. Rather than participating in an internal succession model, he owned an independent enterprise that carried substantially greater market value. What changed after Patrick became independent? Beyond gaining control, he began making decisions through the lens of enterprise value—investing in advisors, systems, and infrastructure that would make the business less dependent on him personally. What made Cerity Partners stand out? Patrick cites the firm's culture, partnership model, meritocracy, long-term vision, and ability to combine local autonomy with enterprise-level capabilities. Is this episode only relevant for advisors considering selling? No. The broader lesson is that ownership creates flexibility. Whether an advisor ultimately remains independent or joins another organization, understanding how enterprise value is created can influence decisions from day one. What is the biggest lesson Patrick hopes advisors take away? That independence isn't simply about leaving a firm. It's about creating the ability to choose what comes next on your own terms. Patrick explains that independence changed how he viewed enterprise value. After learning what sophisticated buyers were actually looking for, he intentionally built Oak Hill as a business rather than simply managing for annual profitability. Because ownership immediately transformed the economic value of his practice. Rather than participating in an internal succession model, he owned an independent enterprise that carried substantially greater market value. Beyond gaining control, he began making decisions through the lens of enterprise value—investing in advisors, systems, and infrastructure that would make the business less dependent on him personally. Patrick cites the firm's culture, partnership model, meritocracy, long-term vision, and ability to combine local autonomy with enterprise-level capabilities. No. The broader lesson is that ownership creates flexibility. Whether an advisor ultimately remains independent or joins another organization, understanding how enterprise value is created can influence decisions from day one. That independence isn't simply about leaving a firm. It's about creating the ability to choose what comes next on your own terms. Related Resources From Start-Up to $31B Behemoth RIA: The Catalysts Behind the Growth of Mega-Firm Cerity Partners Ownership Matters: What Advisors Need to Know When Evaluating Firms Top Tips for Setting Your Business Up for Success Years Before a Move Patrick LarkinPartner and Practice Leader Patrick is a Partner and Practice Leader in the Lansdowne, VA office. He is a member of the Lansdowne Practice, where he works closely with families, foundations, and non-profits to help them define and achieve their financial goals with clarity and confidence. With a deep specialization in retirement income distribution planning and complex risk and wealth management strategies, Patrick is known for helping clients simplify complicated financial decisions, reduce uncertainty, and build sustainable, long-term plans. His approach emphasizes fiduciary responsibility, transparency, and personalized guidance — ensuring clients always feel informed and empowered. Prior to joining Cerity Partners, Patrick was the founding member of Oak Hill Wealth Advisors, where he built a highly respected independent advisory practice that earned the trust of families, professionals, and mission-driven organizations across the region. His leadership was instrumental in shaping a client-first culture that continues today. Patrick's work is rooted in a passion for long-term relationships — guiding clients not just through markets, but through life's milestones such as retirement, business transitions, philanthropic planning, and wealth transfer across generations. He takes pride in being both a strategic advisor and a steady partner to the people he serves. Patrick lives in Bluemont, VA, with his wife Angela, their two children, Paige and Sean, and their Golden Retrievers, Huckleberry and Genoa. Outside of the office, Patrick and his family enjoy an active lifestyle — whether it's hiking and backpacking on the Appalachian Trail, biking the Great Allegheny Passage, or sailing on the Chesapeake Bay. These experiences reflect his belief in balance, resilience, and enjoying the journey — values he also brings to his work with clients. 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… Build, Grow & Transact: From Breakaway to Transaction in 3 Years A conversation with Louis Diamond and Patrick Larkin, Partner & Practice Leader at Cerity Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: From Breakaway to Transaction in 3 Years. It’s a conversation with Patrick Larkin, Partner and Practice Leader at Cerity Partners. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education-driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Ownership as a way of creating opportunities you can’t always predict. That’s exactly why we created our Build, Grow, and Transact series. Independence isn’t the end of the story. It’s often the beginning of thinking differently about enterprise value, optionality, and what comes next. Today’s guest is Patrick Larkin, Partner and Practice Leader at Cerity Partners, and formerly the founder of Oak Hill Wealth Advisors. Patrick spent nearly 15 years building a successful practice at A.G. Edwards, Wachovia, and eventually Wells Fargo before launching his own independent firm in 2022. Just three years later, he merged that firm into Cerity. At first glance, that timeline might seem surprisingly short, but as you’ll hear, the merger wasn’t a change in direction. It was the result of seeing his business differently once he owned it. Yet, it’s this perspective that really brings that thought home. Patrick said the day Oak Hill launched felt like the business had gone public because overnight, what had been viewed as a book of business became an enterprise with substantially greater value, some four to five times the value of what it was worth at Wells. And that realization changed the way he invested, the way he hired, and ultimately the way he thought about the future. Pat and I also talk about something advisors don’t often discuss candidly, what life actually looks like after a merger. How much control do you give up? What changes day to day? How do you know whether you’re joining a partner or simply selling a business? Whether your long-term plan is to remain independent forever or eventually join a larger organization, Patrick’s experience is a reminder that ownership isn’t simply about control. It’s about creating optionality and putting yourself in a position where the next decision is yours to make. So let’s get to it. Patrick, thanks for coming on our show today. Patrick Larkin: Oh, my pleasure. Nice to meet you, Louis. Louis Diamond: You too. So let’s start off basically how we start every interview. Tell us about yourself, your background, and how you found your way into our industry in the first place. Patrick Larkin: Yeah, thank you for asking. I knew I always wanted to be a financial advisor. That part really wasn’t in question, but upon graduating college and being a 22-year-old, I knew that it was probably not practical to walk in and start advising people my parents’ age with their life savings. Probably wasn’t going to be a recipe for success. So I took a quick tour through the pharmaceutical industry first, which ended up being unexpectedly valuable. My employers there pushed me to think like an entrepreneur and within our territories. And honestly, that mindset never left me. It shaped how I built everything that came after. Eventually, an opportunity presented itself in Loudoun County, Virginia in Northern Virginia, and I became an FA trainee with A.G. Edwards, absolutely fantastic firm to start my career. Now, what drew me to this career was pretty simple. I felt like it was one of the professions that we had an opportunity to do so much good for others while simultaneously also doing well for yourself, and those two things aren’t in conflict. I also really loved the idea that in this profession there was no hiding. You don’t get paid to show up. You get paid for what you actually do. And perhaps for me, what was most important, I loved the weight of responsibility. I loved earning people’s trust. I loved the idea of deserving, being deserving of their trust, and being a steward of what they’ve worked a lifetime to build. I never took that lightly, and I still don’t. Louis Diamond: That’s amazing. Yeah, I mean, the number of people I’ve heard, you talked so fondly about A.G. Edwards and there’s a bunch of other firms that have since been absorbed or emerged that are like the regional firms of old. So not surprised to hear you loved it. A.G. Edwards, obviously, became Wells Fargo Advisors or was acquired or merged with Wells Fargo. So I know you’re at Wells and A.G. Edwards until 2022. So give us a quick version. How’d you build your practice from the pharma world into being in FA? Patrick Larkin: Yeah, so as I started with A.G. Edwards, I came in at really just the perfect time. It was towards the end of the financial crisis. And I built the business the old-fashioned way with a lot of cold calling and eventually did some dinner seminars, which I can tell you is a very expensive way to learn how to speak in front of a room. But I made some progress, and I was also in a great office, small enough that some of the advisors there would hand off some of the smaller accounts that they weren’t interested in working with, and got an opportunity to get a lot of reps in working with real life clients and individuals. I knew early on I didn’t have enough talent to win on talent alone, so I made up for it and compensated for that with really hard work. The real turning point came for me when A.G. Edwards was first acquired by Wachovia Securities, and that was about five years into my career. And at that point, my branch manager, who was eyeing retirement, asked me to step in as her partner, and that changed everything. We eventually moved over to a Wachovia Securities office, another really great local office in Loudoun County, Virginia. And from that office, I worked on and became a CIMA, a CFP, worked with the clients, built a business through referrals. And I found at that point in my career when I would go to a meeting with Wachovia, eventually Wells Fargo, as a young 30-year-old, I would look around the room often and realize that I was the youngest person in the room. The funny thing was 10 years later, I would go into that same room and I’d look around and I still was the youngest guy in that room. And those demographics in our industry, and when I came into our industry, ultimately led that office that I worked in with Wells Fargo Advisors, I eventually was the recipient and party to five different succession plans- Louis Diamond: Wow. Patrick Larkin: … at Wells Fargo Advisors. I hoped that I had built a reputation as somebody that these other advisors would entrust with their clients. And over that time period, really, I would say professionally, one of my accomplishments I’m most proud of is all five of those retired advisors that I used to work with, who had an opportunity to see me work with clients, all became clients of mine, I still continue to work with. And it’s professionally just one of the greatest honors that I’ve ever had. Louis Diamond: I mean, that’s a large number of advisors you helped sunset, but I would agree it’s the ultimate proof of concept that they not only trusted you with their clients and their life’s work, but now also with their family’s wealth. So I like that, kind of the full life cycle there. So I’m curious, though, you stayed at Wells through a really turbulent time through the fake bank scandal. There’s a lot of attrition. I mean, obviously, they’re still a powerhouse to this day, but what kept you at Wells for as long as it did before you left in 2022? Patrick Larkin: You described it as a turbulent time. Pretty turbulent might be an understatement. Even before Wells, the transition to Wells, Wachovia Bank had been the first company that we transitioned to from A.G. Edwards. And we, of course, went through the financial crisis during that time period and handholding our clients and helping them get through that time period and dealing with concerns that we shouldn’t really have to be prepared with. “Is my money safe? It’s not what’s happening to the market, but is my money safe in your institution?” But once things stabilized, I found real purpose in partnering with some of the retiring advisors and opportunities that came up. It was a really wonderful climate and atmosphere in our local office. It was really a family-like atmosphere, and I still had a lot to learn. And all those advisors that I partnered with, I’ve joked I’ve never had an original idea in my entire life. I stole all my good ideas from them. And some of them were really ahead of their time, and I learned, adopted, and built my own philosophies by working closely with them. Ultimately, by the time I left Wells Fargo, I was finishing up the fifth sunset program and had only made my way halfway through the sunset before the opportunity presented itself to create my own practice. Louis Diamond: So I’m curious, when did you first seriously start thinking about leaving and what really tipped the scales for you? What was the proverbial straw that broke the camel’s back? Patrick Larkin: Yeah, it really was a number of small items and ultimately one big one. But for a long time, I’d been content, but as I tried to grow the business beyond what I could do individually, I felt like I kept running into walls. There were it felt like limitations on how I could build out my team and structure the practice the way I envisioned it. Additionally, there were some new policies that also started to bother me. One of them was the platform advisory fee, which in my eyes was less about client transparency and more about replacing a declining revenue source on the firm’s balance sheet. And after dealing with clients and helping them through the bank scandal at the firm, I was concerned that this would come back and hurt me and the relationships that I had with my clients. Incidentally, I just recently onboarded a new client that transferred to us. And for them, looking at their statement, identifying this platform advisory fee- Louis Diamond: Oh boy. Patrick Larkin: … was the last straw for them before they moved about 15 million of assets to us. Also, I thought I would be I would be a better allocator of resources than Wells Fargo. Wells Fargo retained about half of the revenue that I earned for the business. They seemed to think that the best allocation of that money was additional middle management. Whereas, I thought investment in technology, investment in additional personnel, and an investment in marketing were best places to continue to build out my vision. The final straw, and really a thing that crystallized everything for me was when I read a book in 2021 called The Infinite Game, a book written by Simon Sinek. Chapter eight, the title is Ethical Fading. And it uses the Wells Fargo bank scandal as a case study in what happens when a firm loses its moral compass. I read the chapter and thought, “There it is, I have to do something.” That was really the final push I needed. I mentioned earlier I was very fortunate to start my career with a company called A.G. Edwards, a regional brokerage firm. And while I was at A.G. Edwards, there was a research report that came out on A.G. Edwards as a company. And I’m going to paraphrase a little bit on what was said in that report, but ultimately there was a line in there, and it was a criticism, but I took it as a huge positive as being an employee there. The line said, “While management does not necessarily say it, we believe the client is put ahead of the shareholder.” And that was something I was very proud of. And I just, upon reflecting on it, felt confident those were words that I never was going to see go to print about Wells Fargo. Louis Diamond: So you left Wells in 2022 and founded Oak Hill Wealth Partners in Lansdowne, Virginia. Walk us through that decision. Why go independent rather than going to another firm? Patrick Larkin: I really thought moving to another firm, the things that I had grown frustrated with at Wells Fargo Advisors, I would also find at another wirehouse firm. I was ready, and honestly, the simple answer is I thought I could do better. And I wanted control after having what I felt like was very little control. I had grown frustrated with others making important decisions, and I wanted an opportunity to grab the reins and make decisions on my own. I believe at that time, the future of wealth management was going to be built around fiduciary advice, and I didn’t want to watch that from the sidelines anymore. I was watching what was happening in the industry. And as we were trying to hire new advisors, reaching out to college graduates who were studying CFP programs, identified that they were more inclined to want to start employment with an RIA than a wirehouse. What made the timing work really well was Wells Fargo had actually introduced a program to help advisors in the private client group spin off and establish their own RIAs. Now, whenever I tell this to another advisor, particularly ones that are wirehouses, they can’t understand it. And quite frankly, I don’t understand why they helped us do it, but we were about the 30th practice that they helped us through this process and they provided real support. They hired consultants, made vendor recommendations, even referrals to financing so I could pay off my last succession plan before I left. The only really upside for Wells Fargo was that the ask was that we continue to use First Clearing as the custodian. And one of the downsides for me was I was going to leave all of my deferred comp behind with Wells Fargo. Now, all clients had to do to join me was sign a positive consent. And on May 9th, 2020, we turned on our computers in our new office and our clients were already there. That same day, we launched and started a relationship with Charles Schwab. And it was so exciting to be able to start shopping for what I thought was the best FinTech, really feeling like I was stuck with proprietary tools that Wells Fargo advisors had offered. I felt like I was a kid in a candy store. And if there was a cool tool that I identified that would help us serve our clients better, I was all in and I was buying it. I really feel that some of the technology that Oak Hill eventually bought into and some of the tools we’re using now are going to take years and years before they eventually trickle down to where the wirehouses are, if ever. Louis Diamond: Interesting. So it was really it was for the most part an internal move from one- Patrick Larkin: It was- Louis Diamond: … channel to the other. Patrick Larkin: … it was an internal move, but there was no requirement to stay at First Clearing. As a fiduciary, they couldn’t make those demands. And again, they helped us with the financing, which is really unusual that they helped us secure a loan so I could pay off the last retiring advisor. It’s really unusual that a bank will loan money where there is no business at the time, but because of previous experience that financial institution had working with Wells, they helped us facilitate the transaction. And the program is still in place at Wells Fargo, which is absolutely amazing to me after the experience that I’ve just had myself. Louis Diamond: Yeah, it’s interesting. I mean, does it cannibalize a more profitable revenue source? Sure. But if the alternative was all the assets go to Schwab or Fidelity, to me, honestly, it’s smart. I think they played the long game by not being adversarial on it. Patrick Larkin: I think they played a long game and they took the philosophy, and I think they use it as a recruiting tool that if you love them, set them free. And that’s exactly what they did. Louis Diamond: So for the rest of the episode, I want to talk about your eventual, and not that long period of time, transaction or decision to merge Oak Hill with Cerity Partners. This is our Build, Grow, Transact subseries. And I was really struck by your story because you were three years or so into running Oak Hill, and then your merger with Cerity Partners, an amazing RIA closed. That’s a fairly short runway. Usually when I see folks go independent for the first time, it’s 10, 15, 20 years, maybe never, that they decide to merge or sell. I’m curious to understand your thinking about the transaction. Were you looking to do something? Or was it just like right place, right time and the opportunity presented itself? Patrick Larkin: I had started Oak Hill with the intent of eventually down the road, much closer to retirement, looking for a partner. The opportunity and what I learned early on helped change that idea and philosophy, and I adapted and made modifications to take advantage of it. Louis Diamond: Interesting. So you weren’t necessarily planning on selling or merging the business, it just kind of circumstances happened the way they did? Patrick Larkin: Yeah. When we started Oak Hill Wealth Advisors, it was a really pretty short period of time before we started getting calls from larger national RIAs about potential acquisition, much sooner than I expected. Early on, I just brushed them off, but about a year in, I took one of those calls and it really just opened my eyes up. I realized for the first time this small firm, this little practice actually had some real value, way more than I’d given it credit for. That first call, that first exploration didn’t go anywhere. It wasn’t a good fit. But what it gave me was a much clearer picture of what the serious acquirers were actually looking for. And that changed decisions I made at Oak Hill going forward. I really at that point stopped trying to optimize for near-term profit and really thought of my business as a business and started building towards enterprise value, sometimes at the cost of short-term income. And that turned out to be exactly the right call. Louis Diamond: That’s such an interesting perspective. Let’s double-click into that concept. So it sounds almost counterintuitive that if you kind of had this light bulb moment that like, “Okay, maybe I want to transact my business sooner than I initially thought.” I think most people would say, “Let’s become lean and mean. Let’s become as profitable as possible so my EBITDA’s higher.” But you took the different approach. What were the decisions you did to invest more in enterprise value rather than current cash flow? Patrick Larkin: A true business is one that doesn’t need me to be here every day to operate. And when we left Wells Fargo Advisors, it was myself and one other advisor that created Oak Hill Wealth Advisors. I was responsible for about 95% of the assets and revenue. And one of the more significant investments we made is in additional advisors. I recruited three new advisors, all CFPs, to join Oak Hill Wealth Advisors. Whereas, before I had been largely managing all the relationships myself. For someone that kind of grew up in the regional wirehouse space, it’s pretty counterintuitive to start moving relationships away from you onto other advisors. You’re trained and built to create a moat around your relationships, and realized that the potential acquirers are not interested, at least the ones I was interested in, weren’t interested in buying a book. They were interested in buying a business. And that just meant every decision we made going forward was not profit-driven, but how can I increase the value of the business? So after that first call, I knew I probably would be looking to move forward with a transaction sooner as opposed to the end of retirement. That information that I got on that first call helped me realize that when Oak Hill Wealth Advisors opened its doors on May 9th, 2022, we effectively had an IPO. I had great familiarity with how the succession plans at Wells Fargo Advisors worked. And on that day that we opened our practice, the value of my business jumped to be four to five times the value of it in a succession plan at Wells Fargo Advisors. Now, I knew going forward that I was going to be able to increase revenue. I was going to be able to increase EBITDA. I was going to potentially have some benefits from a market tailwind. I knew the multiples of EBITDA that the firms use may fluctuate, but the biggest change by far occurred leaving the wirehouse and having the value of my business grow four to fivefold in that same day. So what I really focused on was making sure that I was going to, when I was ready to start looking again after I had worked on improving the practice, really was going to look for a firm that was going to be a good cultural fit for both my clients, my team, and myself. Louis Diamond: That’s such a cool perspective. I’ve never heard anyone say that the day we launched your independent business was like an IPO. But honestly, it’s so true. You’re planting a flag in the ground that like, “Here is real value. This is value that we’ve created that we own rather than it being a book of business and a W-2 paycheck.” And it’s a fascinating perspective. Patrick Larkin: Yep. It really is amazing that the value changed that much on one day and the future value changes. Looking at the equity that I owned in Oak Hill Wealth Advisors, it made sense to consider is there a better way to take some risk off the table for myself and my family and diversify some of the equity that I had in Oak Hill Wealth Advisors with a larger enterprise? Louis Diamond: It makes complete sense. Obviously, everyone would sign up for 4 to 5X increase in value. Patrick Larkin: Sure. Louis Diamond: That’s not the reason most people go independent, but it’s important to know. And also, what I really liked about what you shared is I think a really valuable learning for anyone is those calls come in, whether it’s from annoying people like me or from an acquirer, from a firm, they’re not all noise. You took it as an opportunity to learn. Even though that first person who called wasn’t the right fit, it crystallized something in your mind and it let you make proactive decisions that ultimately paid off in spades when it came time to sign the dotted line for your transaction with Cerity. So I think it’s brilliant. And it’s very big picture, big-business-owner-type stuff that I think a lot of people will just filter out because it’s annoying and I’m young, I’m not looking to sell, but that was the journey. Patrick Larkin: Yeah, that first call changed my opinion about timing of when to move forward with a partnership. Originally, I thought this would be something at the end of retirement. The timing of doing so sooner seemed a lot more appealing after having that conversation and realizing what we had actually built. Louis Diamond: Amazing. So ultimately you decided to merge with Cerity Partners. We’ve had Kurt Miscinski from Cerity Partners on the show. They’re a real heavyweight within the RIA world. Most recently, they were valued at $8 billion in a recap, and it’s a very impressive firm. What specifically drew you to Cerity versus other potential buyers? Like you said, you got a lot of calls. Patrick Larkin: After that first call, I just got to work and focused on continuing to take care of our clients, building a team, adding new advisors, being a mentor to those advisors. But at the same time, we were being approached fairly regularly by that point. And I had a pretty good system for quickly deciding whether something was worth a second look, and most weren’t. But about a year ago, one of the national RIAs caught my attention and I started having conversations with them. And once I had progressed with them, I though, “You know what? If I’m giving this consideration, I really need to cast a wider net.” So I reached out to other RIAs that I had looked at and admired and been keeping an eye on. And ultimately, my longtime business coach, Barbara Kay, suggested I talk with Cerity Partners, a company that one of her other clients had just recently joined. And from the very first call, I could tell something was different. And I talked to many different companies. Cerity Partners, and an individual I spoke with, Geoff Newman, they weren’t leading with valuation formulas or deal structure. They were asking questions about my clients, my team, and how I actually ran the practice. They had a very defined process for identifying partners who were genuinely compatible, not just advisors with books that were transferable. And that distinction mattered greatly to me. They also offered really, in my opinion, the right balance of support and still having some autonomy. And their aspiration to deliver consistent standard of care to clients, whether they be in California or Virginia, so that those individuals get the same quality of experience, resonated with how I was already running things within my practice. That combination of support and autonomy, I really liked the idea of continuing to have oversight over my local practice, over our practice, which included the budget, salaries, and bonuses. It more than anybody else felt like a partnership and not a buyout. And I really appreciate it during that first call, Cerity was the only company that talked about a hundred-year plan. It was amazing to me to hear what their thoughts were. Most of the other firms I spoke with talked about valuations. And very quickly in the process, I found myself on a Zoom call with a Patagonia fleece vest-wearing private equity rep walking me through a valuation. And it was efficient, but it was not a cultural fit for me. And the infrastructure behind us and the combination of autonomy is really harder to find than most people think. As I progressed with Cerity, I remember early on in the process thinking to myself, “My God, I hope they want me, I hope they want me,” because I could tell I’m a very process-driven person They had a process with the way they brought me on board. And ultimately, we had a due diligence trip set up to go to one of their larger offices where I met with one of their leaders, Claire O’Keefe, part of their practice development, and had an opportunity to meet with different leaders within the firm and really get my arms wrapped around the potential that they had. Just the quality of the people I encountered through the whole process just kept reinforcing the decision. And by the time we got to the finish line, it didn’t feel like a transaction. It felt like I was joining something that I was excited to be part of. So just a little bit more about what attracted me to Cerity, their culture is just phenomenal. Cerity Partners uses the word “meritocracy” and they actually mean it. Ownership and influence here track your contribution, not your tenure or how well you play the politics. I just attended my first partner meeting in April, and without exaggeration, it was the most extraordinary professional meeting I’ve attended in my 25-year career. During the meeting, there was open debate about the direction of the firm, and every voice in the room carried weight. You could feel the culture. And that type of culture is built over years. You can’t fake it. Everyone in the room it felt like was rowing in the same direction. And by the time the meeting was over, I was so excited to get back to my team and tell them about what I had just witnessed, I wasn’t looking for the exit. I was looking for the brick wall to run through. I was so excited. And every once in a while I wonder having spent so much time in the wirehouse spaces, the bar just set really low for me when I talked to some of my other colleagues that have been independent for a long time. But it was just an absolutely amazing experience. And I do want to just add, one of the last really important things to me about Cerity Partners is I’ve been very fortunate with my career and in this profession. And part of my goal over the rest of my career is to have a legacy. And my legacy currently exists with the families I’ve advised and the team that I’ve built and have served and led. But Cerity Partners is helping me achieve even a greater legacy in our industry with our shared long-term goals. During my first meeting, they talked about their hundred-year vision of being a worldwide employee-owned professional services firm. And currently, and this is very exciting, the employees are the largest shareholder of the firm. No one else I talked to talked about their long-term goals like this, and it’s a vision I believe in. I want to contribute to help to see it accomplished. And one day when I do retire, I want to look back and see how I contribute it to a company that I believe is going to change the direction of professional wealth management. Louis Diamond: Wow. Patrick Larkin: My partnership with Cerity Partners is going to make that a reality. It’s just an amazing place. Yeah, very happy. Louis Diamond: Honestly, you can’t fake that type of enthusiasm. It sounds like- Patrick Larkin: It’s not- Louis Diamond: … you entered into a transaction, which is it’s like jumping into the deep end. How do you sort through what’s the sales process versus what’s real? How much of this is actually going to translate to my life? But hearing you not that long after the transaction, you still feel that and it’s very cool. In the press release I read, you cited estate planning, private markets access, and cross-border planning as key reasons for the merger. Can you talk about what it was about those? Maybe- Patrick Larkin: Yeah. Louis Diamond: … anything else that was missed? Patrick Larkin: Yeah. Louis Diamond: And were those not things that you felt like you could have delivered yourself as a standalone? Patrick Larkin: I thought that they were going to help me be able to be more effective in delivering those, but they weren’t the complete picture. The capabilities that we cited in the release were genuine gaps I wanted to fill and have available for clients and be able to prospect and go after new additional clients. But being fully honest, there were also deeper drivers. One was my team. Sometimes we get emotional about this. Being someone who’s trusted is really important to me, and that’s something I hold in high priority. There are people that followed me out of Wells Fargo to join me. One of my client associates had delayed her retirement so that she could join me and help us launch for the first three months. One of my other client associates has been with me close to 15 years. These are people that trusted me to do the right thing and to make sure that I wasn’t walking them off the plank. Being able to join Cerity Partners and give them a future that didn’t hinge entirely on my personal longevity was a huge relief. And Cerity Partners is an ownership culture. I’m so happy to say today that every single individual on my team in our practice in Lansdowne is now either an equity owner in Cerity Partners or very shortly will be an equity- Louis Diamond: So cool. Patrick Larkin: … equity owner. So they have a stake as well in what they’re building. It matters. My youngest client associate noticed how much it costs to send to FedEx. And he goes, “Now that I’m an owner, maybe we should rethink about sending regular mail.” Another driver was my family. And I’ve always had the philosophy of trying to prioritize and clients first, team and colleagues, and then my family. And I’ve always made decisions that if I put those others before myself, eventually I’ll be taken care of. And going through this transaction, it was so generous to my family and provided such security. There was a little bit of guilt that, “Am I doing this for all the right reasons?” But being able to secure my family’s future, converting equity in a three-year-old RIA into a stake of a $8 billion-plus valuation with institutional backing, that was a meaningful moment and I’d be less than honest if I glossed over that. I also really wanted to be part of something larger than myself. And the opportunity to help build a legacy in this business with Cerity Partners really gives me the platform to do that. Louis Diamond: Very cool. I can tell that you’re genuine, not just because of the way you sound, the way you’re speaking, but in the very beginning of the episode, you talked about the reason you got into this business was because you thought it gave you the dual purpose of being able to help people, but also being able to enrich yourself or your family. So this answer, it comes full circle. You’re able to accomplish all these goals, which made it the right decision. And I think, look, I say to advisors all the time, “You’re allowed to be greedy, you’re allowed to be selfish as long as the clients are still in the front of your mind as the most important thing.” There’s nothing wrong with doing better for clients, building a legacy in your case, but also reaping the rewards of all your hard work and labor and also all the risks that you’ve taken over your career. I got to ask you, though, from being an employee of Wells, where you were running your team, for the most part, you can run the business within their guardrails the way you want, to then running an RIA, which is really like you’re fully in control of everything, to now being a partner, but you’re not the one who has the name on the door anymore. Patrick Larkin: Right, right. Louis Diamond: Well, how do you think about the giving up control and full ownership of your practice versus owning a very small amount of a much larger entity? Patrick Larkin: There was such continuity. Oak Hill Wealth Advisors and Cerity Partners were so philosophically aligned that I genuinely never felt like I was giving up anything that I wasn’t glad to let go. My wife joined the business shortly before I left Wells Fargo Advisors. And still to this day, on my drive home from work, I call her up and say, “You’re not going to believe this.” And it’s all a positive, good thing. So Cerity has struck the perfect balance of that autonomy and support combination that I was looking for. So I still have control and a say over the way our practice is managed. Very shortly after the merger, my supervisor came down and met me for the first time, and we went out together after the day had ended. And early in the conversation I said to him, “What can I do to make your life easier?” And he said, “Pat, what can I do to make your life easier?” And that set the tone that still exists to this day. I almost cried when he said that because that was so different than what I had experienced up to that point. So the collaboration, the way we work together, it’s just absolutely amazing. And not once for a single moment have I second-guessed my decision. And it’s really weird because I’ve now been part of this organization for nearly nine months, and there just has not been one thing that’s occurred where I said, “That’s a disappointment.” It’s just been absolutely amazing every single day. Louis Diamond: Very cool. To me, there’s different arcs of when you want to ask people the question of, “Hey, any regrets?” And usually you don’t want to ask them too soon because they’re still going through the transition and integration and growing pains. And you don’t want to ask them too far in the future because you forget about what was life before. To be this short of a duration into this new partnership and to have these feelings, that’s absolutely pretty special. I got two more questions for you, Pat, if you don’t mind. Patrick Larkin: Sure. Louis Diamond: First one, economically, to me, one of the hardest things for really any advisor to really grapple with or to fully comprehend or make their own is, “I own 100% of the equity in my business. I get to decide when I want to sell in the future. My business is growing 10% per year. I wait to sell until 10 years from now, my business is going to be much bigger and I get to keep all the cash flow. I get to make all the decisions.” That compared to the path that you took, which was take cash off the table, which everyone understands, to, “Now, I own a much smaller piece of a much larger pie.” How would you talk to someone about the financial trade-off between a hundred percent ownership in their business, full control, full discretion over everything, versus becoming a minority equity partner in a larger entity? Patrick Larkin: You have to look at the valuation of my business, again, the day that we opened our doors as Oak Hill Wealth Advisors. There was such a massive jump in the value of the business. There was not going to be an opportunity for an appreciation at that level. So then, you have to compare what the growth rate is of Oak Hill Wealth Advisors versus a Cerity Partners. And I’m not embarrassed to say that Cerity Partners is and has been growing at a much faster rate of return. The value of the equity that I have retained in Cerity Partners, my ownership stake, I fully expect by the time I transact that business as I get closer to retirement, that’s going to be worth many times more than whatever opportunity I would have had at Wells Fargo with the valuation they would have provided me. Nevermind, very important, the tax consequences of a structure like this is all the retiring advisors that I worked with were taxed at their highest marginal rate. I owned a business and we were taxed at long-term capital gains rates. A significant difference in savings in what as the owner we actually realize. So yeah, I feel very comfortable with the ownership that I have and the control and continued opportunity with the meritocracy culture to increase my share of ownership in the company. Louis Diamond: Okay, and let’s do one more question here. I’ll pick it back up. So Pat, I think it’s a really cool perspective. It’s almost do your homework, and if you find the right horse and the right jockey that can run faster than you can on your own, that the equity value will compound and grow and appreciate in a faster, more efficient way than what you’re doing on your own, which makes complete sense. It’s the ultimate trade-off. And again, it’s like jumping into the deep end. On the one hand, Oak Hill was all you, right? You control the growth, for better or worse, for the good days, the bad days, the good years, the bad years, versus now your growth is diversified amongst hundreds of partners across M&A, across different lead flow channels, et cetera. It makes complete sense. But honestly, if I were an advisor, I don’t know how I would think about it. I think it’s all just fact-and-circumstance-based on where I am in my life and who the firm is and what I’m trying to accomplish. But it’s such a cool perspective because usually the playbook that we see, which is why we did this series, is go independent and there’s a long pause until there is a realization of all the value that’s been created. So seeing you do this in a much quicker timeframe, it seems like it was the absolutely right decision. To me, it just is another path, another way that an advisor or a firm is able to think about their future. Any final advice or parting words for someone who is sitting right where you were in 2021 or 2022 thinking about making the leap? And we’ll say a transition in general, or really anything you want to share to wrap our episode here. Patrick Larkin: Thank you for having me, and this is a great question. Happy to give a thoughtful answer to it. Before I’d left Wells Fargo Advisors through the program and started Oak Hill Wealth Advisors, I had an opportunity to go through a due diligence process and make sure that this was going to be a right move for me. There was no carrot out there that was obvious. I learned after that first conversation that I had built a practice that had some value to it. I was leaving behind the security of something I knew, leaving behind a significant amount in deferred compensation, and I wanted to make sure I was making the right decision. And through that due diligence process, talked to about five other firms that had recently left Wells Fargo to join this RIA program. I asked them a lot of different questions about what their experience was. And at every point during those conversations, they all said the same thing at different points. And it sounded like this. They said, “I’m working harder than I ever have before, but I wish I had done this sooner.” So my advice to those people, do it. I know that sounds simple, but I mean it. The fear of leaving is almost always worse than the actual experience of leaving. And I understand the inertia of not leaving and the real apprehension of what was on the other side. But what I found was a version of this profession I genuinely didn’t know was possible. One where I could do things the right way on my terms for the people I care most about serving. And not every path is going to look like mine. Some advisors should go fully independent and stay there, and that can be an incredible life. But when it comes time to look for a partner, quite frankly, if Cerity Partners is not on your shortlist, you’re making a significant mistake. And I say that not to sell anything, but because I’ve lived the comparison firsthand and there’s simply nothing else like it. Louis Diamond: So Pat, it’s been really fun, but I don’t think we’ve had anyone on the eight years or so we’ve been doing this show that’s gone through this type of arc or journey that you have. One of my big takeaways or sticking points that this episode brought for me is by going independent and taking control over your future, you created complete optionality for yourself to do exactly what you wanted to do with your business, even if that was different than what you initially planned. So in your case, it was selling within three years of going independent, but by taking action, being proactive, playing some offense, you made the opportunity happen on your terms and your timeline. So this has been fun in so many different ways. I loved your comment about how when you went independent, it’s basically like the day of your IPO, the four-to-five-times increase in value versus an internal succession deal, and even just the way to think about getting equity in a larger entity versus running your own plays only. So thank you so much for doing this. This has been fun. 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 firm’s 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.   Build, Grow & Transact: From Breakaway to Transaction in 3 Years A conversation with Louis Diamond and Patrick Larkin, Partner & Practice Leader at Cerity Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: From Breakaway to Transaction in 3 Years. It’s a conversation with Patrick Larkin, Partner and Practice Leader at Cerity Partners. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education-driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at 908-879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Ownership as a way of creating opportunities you can’t always predict. That’s exactly why we created our Build, Grow, and Transact series. Independence isn’t the end of the story. It’s often the beginning of thinking differently about enterprise value, optionality, and what comes next. Today’s guest is Patrick Larkin, Partner and Practice Leader at Cerity Partners, and formerly the founder of Oak Hill Wealth Advisors. Patrick spent nearly 15 years building a successful practice at A.G. Edwards, Wachovia, and eventually Wells Fargo before launching his own independent firm in 2022. Just three years later, he merged that firm into Cerity. At first glance, that timeline might seem surprisingly short, but as you’ll hear, the merger wasn’t a change in direction. It was the result of seeing his business differently once he owned it. Yet, it’s this perspective that really brings that thought home. Patrick said the day Oak Hill launched felt like the business had gone public because overnight, what had been viewed as a book of business became an enterprise with substantially greater value, some four to five times the value of what it was worth at Wells. And that realization changed the way he invested, the way he hired, and ultimately the way he thought about the future. Pat and I also talk about something advisors don’t often discuss candidly, what life actually looks like after a merger. How much control do you give up? What changes day to day? How do you know whether you’re joining a partner or simply selling a business? Whether your long-term plan is to remain independent forever or eventually join a larger organization, Patrick’s experience is a reminder that ownership isn’t simply about control. It’s about creating optionality and putting yourself in a position where the next decision is yours to make. So let’s get to it. Patrick, thanks for coming on our show today. Patrick Larkin: Oh, my pleasure. Nice to meet you, Louis. Louis Diamond: You too. So let’s start off basically how we start every interview. Tell us about yourself, your background, and how you found your way into our industry in the first place. Patrick Larkin: Yeah, thank you for asking. I knew I always wanted to be a financial advisor. That part really wasn’t in question, but upon graduating college and being a 22-year-old, I knew that it was probably not practical to walk in and start advising people my parents’ age with their life savings. Probably wasn’t going to be a recipe for success. So I took a quick tour through the pharmaceutical industry first, which ended up being unexpectedly valuable. My employers there pushed me to think like an entrepreneur and within our territories. And honestly, that mindset never left me. It shaped how I built everything that came after. Eventually, an opportunity presented itself in Loudoun County, Virginia in Northern Virginia, and I became an FA trainee with A.G. Edwards, absolutely fantastic firm to start my career. Now, what drew me to this career was pretty simple. I felt like it was one of the professions that we had an opportunity to do so much good for others while simultaneously also doing well for yourself, and those two things aren’t in conflict. I also really loved the idea that in this profession there was no hiding. You don’t get paid to show up. You get paid for what you actually do. And perhaps for me, what was most important, I loved the weight of responsibility. I loved earning people’s trust. I loved the idea of deserving, being deserving of their trust, and being a steward of what they’ve worked a lifetime to build. I never took that lightly, and I still don’t. Louis Diamond: That’s amazing. Yeah, I mean, the number of people I’ve heard, you talked so fondly about A.G. Edwards and there’s a bunch of other firms that have since been absorbed or emerged that are like the regional firms of old. So not surprised to hear you loved it. A.G. Edwards, obviously, became Wells Fargo Advisors or was acquired or merged with Wells Fargo. So I know you’re at Wells and A.G. Edwards until 2022. So give us a quick version. How’d you build your practice from the pharma world into being in FA? Patrick Larkin: Yeah, so as I started with A.G. Edwards, I came in at really just the perfect time. It was towards the end of the financial crisis. And I built the business the old-fashioned way with a lot of cold calling and eventually did some dinner seminars, which I can tell you is a very expensive way to learn how to speak in front of a room. But I made some progress, and I was also in a great office, small enough that some of the advisors there would hand off some of the smaller accounts that they weren’t interested in working with, and got an opportunity to get a lot of reps in working with real life clients and individuals. I knew early on I didn’t have enough talent to win on talent alone, so I made up for it and compensated for that with really hard work. The real turning point came for me when A.G. Edwards was first acquired by Wachovia Securities, and that was about five years into my career. And at that point, my branch manager, who was eyeing retirement, asked me to step in as her partner, and that changed everything. We eventually moved over to a Wachovia Securities office, another really great local office in Loudoun County, Virginia. And from that office, I worked on and became a CIMA, a CFP, worked with the clients, built a business through referrals. And I found at that point in my career when I would go to a meeting with Wachovia, eventually Wells Fargo, as a young 30-year-old, I would look around the room often and realize that I was the youngest person in the room. The funny thing was 10 years later, I would go into that same room and I’d look around and I still was the youngest guy in that room. And those demographics in our industry, and when I came into our industry, ultimately led that office that I worked in with Wells Fargo Advisors, I eventually was the recipient and party to five different succession plans- Louis Diamond: Wow. Patrick Larkin: … at Wells Fargo Advisors. I hoped that I had built a reputation as somebody that these other advisors would entrust with their clients. And over that time period, really, I would say professionally, one of my accomplishments I’m most proud of is all five of those retired advisors that I used to work with, who had an opportunity to see me work with clients, all became clients of mine, I still continue to work with. And it’s professionally just one of the greatest honors that I’ve ever had. Louis Diamond: I mean, that’s a large number of advisors you helped sunset, but I would agree it’s the ultimate p

    Bleeding is what kills people after trauma. That single fact sits at the center of this WarDocs episode, in which host Dr. Wayne Causey, a vascular surgeon, sits down with two military interventional radiologists — Dr. John Pavlus of Brooke Army Medical Center and Dr. Jonathan Schutt, an interventional radiology resident at Yale — to examine one of the fastest-moving areas in modern medicine and what it could mean for the wounded service member. Endovascular care, as they describe it, is deceptively simple to explain and remarkably hard to field: a small stick in the groin or the wrist, image guidance instead of an incision, and wires and catheters small enough to be called straws, threaded through the vascular tree to block a bleeding artery or reline an injured one. As one guest puts it, the patient goes home with a band-aid.    The conversation moves quickly from definition to system. At Brooke Army Medical Center, a trauma activation commits the interventional team to needle-stick access within sixty minutes of the call, day or night. That standard was not bought with equipment. It was built on years of bi-directional trust with the trauma surgeons, to the point that the team now responds without stopping to relitigate the imaging. Both guests are blunt that ownership is the price of admission: if interventional radiology wants a seat on the trauma team, it has to show up at two in the morning for cases that are neither lucrative nor glamorous.   The harder question is how far forward this capability can go. REBOA is scaled today at Role 2, and stent graft and embolization cases in Role 3 remain largely case-reportable events performed by clinicians who brought their own equipment. The limiting factor, both guests argue, is not technique — it is imaging, logistics, and institutional will. Meanwhile, Israeli teams transition to bunker operations within twenty-four hours, and Ukrainian experience with drone-driven injury patterns is already reshaping assumptions about REBOA and embolization that the United States has not yet tested.   The episode closes on people rather than platforms: the case for a military interventional community that crosses Service lines and partners with surgical colleagues, the argument for a skill identifier that lets the system find the right clinician, and a practical inventory of what one interventional radiologist would carry in a backpack if told to deploy tomorrow. Chapters (01:11-06:26) Two Pathways Into Military Interventional Radiology (06:26-10:15) Endovascular Care Explained: A Lot Through a Pinhole (10:15-17:02) The Sixty-Minute Trauma Activation at Brooke Army Medical Center (17:02-26:11) Forward Capability: REBOA, Stent Grafts, and the Role 2 and Role 3 Gap (26:11-35:54) Silos, Superpowers, and the Real Cost Equation (35:54-49:56) Allied Lessons, a Military IR Community, and What Fits in a Backpack Chapter Summaries (01:11-06:26) Two Pathways Into Military Interventional Radiology Both guests trace how they arrived at interventional radiology and at military service — one from the Air Force Academy and a fighter pilot track redirected by a day shadowing an orthopedic surgeon, the other from a childhood spent in a pararescue uncle's uniform and an HPSP commissioning. Each was pulled toward endovascular work by the same realization: that the future of the specialty was in doing more through less. Their training routes differ, one through diagnostic radiology and fellowship, the other through an integrated residency pathway. (06:26-10:15) Endovascular Care Explained: A Lot Through a Pinhole The guests define endovascular care in the language they use with patients: a small poke in the groin or the wrist, image guidance rather than an open field, and catheters threaded through the vascular tree like a plumber working pipes. Roughly ninety-five percent of the work is image guided, most often with fluoroscopy. The host adds the surgeon's framing — always ask what can be fixed through the blood vessel before opening a chest or an abdomen. (10:15-17:02) The Sixty-Minute Trauma Activation at Brooke Army Medical Center A blunt trauma patient arrives, CT shows active extravasation from a high-grade splenic injury, and the trauma activation commits the interventional team to needle-stick access within sixty minutes. The guests describe how that pathway was built on bi-directional trust rather than debate over each scan, and why the team now launches without relitigating the imaging. Both stress that owning trauma call — unglamorous, poorly reimbursed, and at all hours — is what earns interventional radiology its place on the team. (17:02-26:11) Forward Capability: REBOA, Stent Grafts, and the Role 2 and Role 3 Gap The conversation turns to what exists downrange. REBOA is scaled today at Role 2, and endovascular hemorrhage control at Role 3 remains largely a set of case reportable events performed with clinician-supplied equipment. The guests explain stent grafts as simultaneous hemorrhage control and reconstruction, and identify imaging, transport, and packaging — not procedural skill — as the true limiting factors on projecting this capability forward. (26:11-35:54) Silos, Superpowers, and the Real Cost Equation One guest argues that interventional radiology has been siloed by civilian incentives the military has no reason to copy, and that the specialty's real advantage is the fusion of diagnostic reading and procedural skill he calls a superpower. The host and guests weigh the higher up-front cost of advanced imaging and devices against the dramatically lower recovery burden of a pinhole procedure. The biggest hurdle, one guest says flatly, is people — convincing decision makers the capability is worth funding. (35:54-49:56) Allied Lessons, a Military IR Community, and What Fits in a Backpack Israeli teams shifting hospitals to bunker operations within twenty-four hours and Ukrainian experience with drone-driven injury patterns are held up as evidence the United States is playing catch-up. The guests describe the effort to build a military interventional radiology community across Services and to partner with the American College of Surgeons military chapter. The episode closes with a practical deployment loadout — ultrasound, micropuncture kits, sheaths, a base catheter, coils, and wire — and a walk through current training pathways into the specialty. Take Home Messages Bleeding is the mission. The immediate cause of preventable death after trauma is hemorrhage, which is why endovascular capability belongs in the operational conversation at all. Every argument for pushing this capability forward reduces to stopping the bleeding fast enough, and doing it without creating a second catastrophe. Framing the specialty this way makes its military relevance impossible to dismiss. Trust is the system, not the equipment. A sixty-minute call-to-stick standard at a level one trauma center was not purchased — it was built over years of bi-directional trust between the trauma team and the interventional service. Once that trust exists, the activation launches without relitigating the imaging, and everything else falls into motion. Any unit trying to replicate the capability should build the relationship before it buys the gear. Ownership earns the seat. Trauma call is unglamorous, poorly reimbursed, and inconvenient, which is exactly why some centers have written interventional radiology out of the pathway entirely. Showing up at two in the morning, reviewing imaging alongside the trauma team, and taking responsibility for the patient is what secures a permanent place on that team. Presence before the activation is what makes the activation work. The limiting factor is logistics, not technique. Everything done at a level one trauma center is technically achievable far forward — the constraint is diagnostic imaging, fluoroscopy, packaging, and airlift, not procedural skill. Progress therefore depends on investment decisions and institutional will rather than on new procedures. Convincing leaders that the capability is valuable is the hurdle, and funding follows conviction. Allies are already ahead, and the injury patterns are changing. Israeli teams move a hospital into bunker operations within twenty-four hours, and Ukrainian experience with drone-driven wounding is already reshaping assumptions about balloon occlusion and embolization. Planning for the last war is the fastest way to arrive unprepared for the next one. Learning from partner nations now is cheaper than relearning under fire. Episode Keywords military medicine, interventional radiology, endovascular care, WarDocs podcast, non compressible torso hemorrhage, REBOA, stent graft, embolization, hemorrhage control, combat casualty care, Brooke Army Medical Center, trauma activation, expeditionary interventional radiology, Role 2 care, Role 3 care, military trauma system, vascular surgery, image guided procedures, John Pavlus, Jonathan Schutt, Air Force medicine, Army medicine, military health system, battlefield medicine, damage control #WarDocs, #MilitaryMedicine, #InterventionalRadiology, #EndovascularCare, #CombatCasualtyCare, #HemorrhageControl, #TraumaCare, #MilitaryHealthSystem Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission- WarDocs exists to honor the legacy of Military Medicine, preserve its history, and inspire every generation — across all Services, Corps, and Ranks — to serve with excellence and pride. Through mentorship, coaching, and education, we equip those considering, entering, and serving in military medicine with the knowledge, connections, and community they need to thrive. We celebrate Who we are, What we do, and, most importantly, How we serve Our Patients, the DoW, and Our Nation. Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the “What We Are For” Episode 47. https://bit.ly/3r87Afm WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WARDOCS documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called “Docs” as a sign of respect, trust, and confidence on and off the battlefield, demonstrating dedication to the medical care of fellow comrades in arms. Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast

In this episode of the Ps+ we join Chris Allred again to discuss God's call to ministry on our lives—and how our personal ownership of the ministry God gives us is critical to the trajectory of our lives. 

Hour 4- Pettycast, Ownership sales and Texans

https://youtu.be/8Hxs4385CMESee omnystudio.com/listener for privacy information.

Looking back on 30 years together, we decided to do what we always swore we wouldn't: sit through a timeshare presentation—again. In this episode, we walk you through our journey from budget vacationers chasing Disney tickets to more seasoned travelers with a bit more money and a lot less patience for high-pressure sales tactics. We share why the allure of luxury accommodations wasn't enough to get us to sign on the dotted line, and why saying “no” can be your financial superpower.Key Moments & TimestampsNostalgia and Relationship Milestones: Reminiscing about meeting 30 years ago and reflecting on how much life (and vacation planning) can happen in three decades 00:03.Our First Timeshare Mistake: How being "cheap" and wanting free Disney passes landed us in the thick of a stressful sales room full of desperate pitches. We swore we'd never do it again 03:09.The “VIP” Tour in Mexico: From the moment we stepped into a beautiful Puerto Vallarta property, the sales tactics started with freebies, upgrades, and a breakfast buffet 06:11.Doing the Math: Unpacking the true costs of “vacation ownership,” including buy-in costs, booking, and hidden ten-year fees. The total investment over 20 years is shocking! 15:06, 22:15.Bait and Switch Tactics: Discovering that the best property isn't the standard everywhere and why the luxurious demo might not reflect what you actually get 17:41.Why We Said No—Firmly: The importance of pausing, resisting high-pressure “now-or-never” offers, and sticking to our commitment not to make emotional decisions on the spot 24:48.The Power of Planning Vacations Debt-Free: Tips on booking, budgeting, and making memories without signing up for a lifetime of fees (or regrets) 35:03.Why You Should Tune InWe pull back the curtain on the real tactics used to lure travelers into timeshare deals and share exactly why we walked away, even when the offer was tempting. If you've ever wondered whether these glossy presentations are truly a path to smarter vacations or just another financial trap, our firsthand account gives you the clarity (and calculations) you need. Plus, we drop actionable tips on how to enjoy dream trips without new debt.Who This Episode Is ForThis episode is perfect for anyone feeling the pressure to sign up for a timeshare, those who want to travel more without going into debt, and couples or families who value making smart, informed decisions about their money. If you love travel, hate regrets, or simply want a peek behind the “vacation ownership” curtain, this one's for you. This Podcast is sponsored by American Heritage Credit Union. To learn more and open an account go to: www.AHCU.co/ForBetterandWorthOur website: www.forbetterandworth.comGet Ericka's book, Naked and Unashamed: 10 Money Conversations Every Couple Must Have Check out our local TV spotlightConnect with us:Instagram: @forbetterandworthYouTube: @forbetterandworthEricka: @erickayoungofficialChris: @1cbyoung

Marcus Aurelius Anderson sits down with Brent LaJeunesse, a former street cop, entrepreneur, and corporate director of special investigations. They dig into adversity, physical reinvention after 50, and what genuine leadership looks like across three high-stakes careers. Brent shares the frameworks he developed along the way and explains why forging yourself first is the foundation for everything else. Episode Highlights: 2:40 – Brent recounts a harrowing suicide-by-cop incident from his years as a street officer in Edmonton. 1:20 – Breaking down the FORGE framework: Foundation, Ownership, Resilience, Guidance, and Execution. 28:29 – How Brent let his physical fitness slip while building his company and how he rebuilt his edge after 50. 42:09 – Why keeping a quiet promise to yourself is the most powerful first step toward lasting change. Brent LaJeunesse is a former street cop, entrepreneur, and corporate director of special investigations with decades of experience in high-pressure environments. After ten years on the Edmonton Police Service, Brent immigrated to the United States, built two investigation firms, and rose to VP at a national risk management company. At 50, he rebuilt his body and his mindset and channeled those lessons into his FORGE framework and his book Forge After 50. His forthcoming book, Badge to the Boardroom, is available for pre-order. Connect with Brent at brentlajunesse.com. Learn more about the gift of Adversity and my mission to help my fellow humans create a better world by heading to www.marcusaureliusanderson.com. There you can take action by joining my ANV inner circle to get exclusive content and information.See omnystudio.com/listener for privacy information.

On the latest Mortcast on CSG and MHS Jeff talks about the Nuggets re-heated nachos offseason. What that means going forward. Also he talks about the games released on the schedule so far and if that means the bloom is off the rose. Lastly Jeff talks about the Lakers shocking sale ... again ... and the NBA's inflated team valuation problem and the money being introduced to the league. Enjoy the show! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Africans and Caribbeans called us "dirty black Americans" with no culture — so the panel came to settle the Diaspora Wars once and for all. African American vs African, Caribbean vs Black American, delineation and reparations: Divine Prince of the US Freedmen Project, Brooke, Lovely Brown and Kesha break down why Foundational Black Americans are delineating, why "African American" stopped being an ethnic group in 1997, and who's really eating off Black American culture.━━━━━━━━━━━━━━━━━━━━━━━━━━⏱️ TIMESTAMPS00:00 Meet The Panel: Divine Prince, Brooke, Lovely Brown & Kesha01:38 "Dirty Black American" — The Compilation That Started It06:10 African vs Black American: Why The Disrespect Got Normalized09:01 The Black Yankees & New York's Erased Black History11:17 Immigrants Adopt The White Man's Ideology About Us12:13 "It's Like Explaining Water To A Fish" — Taking Culture For Granted14:30 We Lost Power, Ownership & Leverage In Our Own Neighborhoods16:29 The Montgomery Bus Boycott Was 381 Days — What Changed?19:02 Why Black Beauty Supply Owners Can't Get Product22:37 How The US & Korean Governments Handed Over The Hair Industry25:00 Tulsa, Set-Asides & The Only Group That Gets Sabotaged29:09 Is It Really A Diaspora War? Divine Prince Defines Diaspora33:35 One Versus Fifty: Black Americans Are Getting Jumped35:36 Not A War — Black Americans Are Setting Boundaries40:37 Karine Jean-Pierre, Byron Donalds & Wes Moore On Reparations47:29 Diaspora Wars Are An Engagement Farm50:28 Is Delineation Divisive Or Necessary?52:15 The Delineation Bill & Why Race-Based Reparations Fail57:22 Every Group Delineates — Jamaicans, Trinis, Italians, Ukrainians1:00:15 Jewish Delineation & Holocaust Reparations: The Blueprint1:05:10 Is Delineation MAGA? Divine Prince Answers The Accusation1:10:56 AAPI & MENA Disaggregation Bills Passed — Why Not Us?1:16:00 Caribbean vs Black American: Whose Crime Gets Reported As Ours1:19:11 Capital B Black vs Lowercase b black1:25:18 "African American" Stopped Being An Ethnic Group In 19971:29:09 Peter Liang, Akai Gurley & The Coalition That Never Shows Up1:31:22 Claudine Gay: Haitian Until She Got Caught1:40:31 Affirmative Action & DEI Went To Black Immigrants1:47:23 We're Never Changing The Word Black1:49:11 "Yankee" Is A Slur — New Yorkers Explain1:54:19 Kesha On Assimilation, Perms & Waking Up At 402:00:34 The Black American Heritage Flag Explained2:02:13 Where To Follow The Panel━━━━━━━━━━━━━━━━━━━━━━━━━━

This week I'm having an honest conversation about something more studio owners are sitting with right now than ever before. What happens when you lead with integrity and someone questions it. When a child you've watched grow up quietly disappears and you hear about it through the grapevine. When your confidence takes a hit — even when you're experienced, even when you're capable.I also share my own recent experience of stopping and questioning everything, and why the resistance I kept feeling was a signal worth paying attention to.This isn't an episode with steps or a framework. It's a conversation that names the things most of us don't say out loud — because sometimes being seen is the thing that helps the most.

This episode pulls back the curtain on how creativity gets stifled—both in our early lives and inside our organizations—and explores practical ways to reclaim it. We start with the extraordinary journey of Ruth Asawa, whose education as an artist began in the unlikely setting of an internment camp, not a prestigious institution. Her story dismantles the widespread myth that creativity is a resource problem and reframes creativity as a function of permission and ownership.We then talk with Andrew Dietz about the lasting impact of early messages about creativity—how black-and-white thinking and the expectation of practicality can drive us away from our essential talents, and how to rethink risk, reward, and the definitions of success in creative careers.The conversation then shifts with Phil Le-Brun and Jana Werner, co-authors of The Octopus Organization, exploring why most organizations are structurally designed to kill innovation. Drawing inspiration from the octopus—an organism built around distributed intelligence—they offer a framework for building organizations that favor ownership, clarity, and relentless curiosity over permission and bureaucracy.Whether you're a leader seeking to unleash creative potential or an individual battling ingrained resistance, this episode offers sharp, practical insights for creating environments where innovation actually stands a chance.Five Key LearningsCreativity Thrives on Ownership, Not Resources: It's not budgets or prestige that foster creative breakthroughs, but rather spaces that privilege ownership and self-permission over institutional legitimacy.Black-and-White Thinking Blocks Progress: Both individuals and organizations default to binary thinking for comfort, but true creativity—and competitive advantage—lives in the complex grey area.Most Organizations are Wired to Squelch Innovation: Governance, permission layers, and centralized decision-making are relics of another era that actively impede adaptability and speed.Metrics Should Teach, Not Just Track: Effective teams use measures to learn and adjust, not just to hit vanity goals or reward process over impact.Safe Curiosity is the Soil for Innovation: Organizations that foster psychological safety and model vulnerability—from leadership down—consistently outperform those that only reward certainty and compliance.Get full interviews and bonus content for free! Just join the list at DailyCreativePlus.com.Mentioned in this episode:The Brave Habit is available nowMy new book will help you make bravery a habit in your life, your leadership, and your work. Discover how to develop the two qualities that lead to brave action: Optimistic Vision and Agency. Buy The Brave Habit wherever books are sold, or learn more at TheBraveHabit.com.To listen to the full interviews from today's episode, as well as receive bonus content and deep dive insights from the episode, visit DailyCreativePlus.com and join Daily Creative+.

In this episode, host Jenna Hille, Strategy & Operations Director at Coldwell Banker Commercial, sits down with Audrey Navarro, Managing Partner of Clemons Real Estate in Kansas City. A retail and investment specialist, Audrey has spent two decades building a full-service commercial firm alongside her family, with work spanning Crown Center repositioning, multifamily redevelopment, and a nonprofit specialty practice. She shares how she built WIRED — a 150-member women's investment group where members pool capital and acquire commercial real estate together. From a $2,000 investment minimum on their first deal just West of Kansas City's Country Club Plaza, she breaks down how women are moving from the sidelines to ownership. A practical look at building wealth, community, and confidence in CRE.

The clearest idea usually wins, even when it isn't the smartest one and that reality quietly shapes careers, meetings, and entire strategies. I'm joined by Antoniette Roze, founder and CEO of WPC Speakers Global and host of the Speak Pact Podcast, to get practical about how leaders communicate complex ideas so people actually understand them, remember them, and act on them.We dig into why executive communication is not about delivering more information, but creating understanding. Antoniette shares how to design for “one micro transformation” so your audience leaves with a single meaningful insight and a clear next step, instead of 36 steps they'll forget by lunch. We talk about speaking at a “fifth grade level” without dumbing anything down, how to reverse engineer a big project into base-camp actions, and why repeating the message and having people reflect it back can prevent costly misalignment.Then we go beyond presentations and into real-time leadership moments: brainstorming sessions, town halls, and high-stakes meetings where ideas compete. Antoniette explains why positioning comes before clarity, how connection is built through truly listening, and how leaders create buy-in by building on others' ideas rather than broadcasting their own. We also unpack why brilliant experts sometimes stay hidden, how to create safe spaces for imperfect thinking, and how humility and visibility can coexist when you stay human and relatable.If you want better leadership communication, stronger stakeholder buy-in, and clearer public speaking skills, hit play, then subscribe, share the episode with someone who needs it, and leave a review so more leaders can find the show.

Have you ever caught yourself thinking, "Maybe this time he really means it" — and then hated yourself for thinking it again? You are not weak. You are not foolish. You are caught in something far more powerful than willpower alone. In this deeply honest and compassionate episode, Leslie Vernick names two forces that work together to keep women stuck in destructive relationships: Hopium — the counterfeit hope dressed in spiritual language — and the trauma bond that keeps feeding it. You will walk away understanding what is actually happening in your mind, your body, and your faith, and you will leave with a clear framework, real questions to ask yourself, and the courage to trade a false hope for a genuine one. Key Takeaways Hopium Is Not Biblical Hope. Hopium sounds like faith. It uses words like trust, submission, forgiveness, and patience — but it places all the weight of your husband's choices onto your faith. True biblical hope, the kind found in Psalm 33, is rooted in God's character alone, not in a husband's potential or his latest promise. Leslie draws a clear and important line: God can change a heart, but God never forces a heart to change. Confusing those two things will crush you. Biblical hope gives you the courage to face reality; Hopium asks you to deny it. Trauma Bonds Are Real, and They Are Not Your Fault A trauma bond is a specific kind of toxic attachment created by three conditions working together: an imbalance of power, intermittent reinforcement (the cycle of warmth and cruelty that hijacks your nervous system), and coercive control, which in Christian settings often includes the weaponizing of Scripture. Leslie explains that trauma bonds are frequently mislabeled as godly virtues — long-suffering, loyalty, unconditional love — which is precisely what makes them so hard to name and so hard to leave. Even the Israelites, after escaping slavery, idealized Egypt and wanted to go back. That is not weakness; that is a predictable, understandable response to long-term trauma. Hopium and Trauma Bonds Feed Each Other These are not two separate problems. The trauma bond creates the neurological and emotional pull toward him regardless of what he does; Hopium gives that pull a spiritual costume. Instead of "I cannot stop wanting him even though he hurts me," it becomes "I believe God will restore this marriage." Instead of "my nervous system is hijacked," it becomes "I just need more faith." Leslie uses the disciples on the road to Emmaus as a powerful anchor: the hope they expected died, but Jesus was still walking right beside them. Your marriage may not become what you prayed for, and that grief is real — but God has not abandoned you. He offers his presence, his truth, and a different kind of hope than the one you expected. How to Tell Whether Change Is Real Leslie answers six listener questions with remarkable clarity, including the one so many women are afraid to ask: how do I know if his change is genuine? She introduces the framework of old history versus new history — what patterns defined the past, and what consistent new patterns are you seeing now, not just during the honeymoon phase and not just when he fears consequences? Genuine change looks like humility without minimizing, ownership without blaming, patience with your healing, and changed behavior that persists even when no one is watching. Using the language of change without the fruit of change is not change — it is manipulation. The HOPE Framework: A Practical Path Forward Leslie closes with a simple, memorable framework to help you take your next step. Honesty: what is actually true right now, what is the real pattern, what is the real impact on you and your children? Ownership: what is his work to do, and what is yours, and what have you been carrying that does not belong to you? Protection: what needs protecting right now: your body, your mind, your children, your finances, your faith? Empowered next step: what is one wise decision you can make today, whether he changes or not? You do not need his transformation to begin your own. Personal Invitation If this episode stirred something in you — if you have been trying harder and praying harder and still feeling crazy, powerless, or trapped — I want you to know there is a next step waiting for you. I am hosting a free webinar called the Four Lies that Make Christian Women Feel Crazy and Powerless in Their Destructive Relationships. We are going to unpack exactly why these beliefs sound so biblical, how they are shaping the way you respond, and what Scripture actually offers instead. This is for the woman who loves God and loves her marriage but is starting to wonder if something has gone deeply wrong. Come and find out what is really true. Register here: https://leslievernick.com/lies Closing Encouragement Wherever you are today — still in the relationship, newly separated, grieving a marriage you never wanted to lose — God sees you. He sees what you have tried. He sees what it has cost you. He sees every time you forgave, waited, hoped, and tried again. He is not asking you to live in denial. He is not asking you to endure destruction and call it faithfulness. Hopium waits for him to change so that you can finally live. Biblical hope helps you live faithfully and wisely whether he changes or not. A trauma bond whispers that you cannot survive without him. The truth is you were made to survive, to heal, and to flourish in the freedom God intended for you from the beginning. That freedom begins with honesty. It grows with wisdom. And it is sustained by a God who is still walking right beside you — even on the road to Emmaus, even when the hope you once carried is gone. You are not alone, and you are not without genuine hope. Take one step this week, and trust that He will meet you there.

Today's guest will join the Restaurant Unstoppable Network for a live Q+A on August 24th, 2026 at 11AM EST. To join us and engage with all our guests and events, go to restaurantunstoppable.com/live -OR- to just catch today's guest, head over to restaurantunstoppable.com/cwe and we will get you a link to join that specific event for FREE! Kathy Terry co-founded P. Terry's with her husband, Patrick Terry, in 2005, opening the first location in Austin, Texas. Known as the company's guiding conscience, she helped shape the brand's mission around quality food, exceptional service, and community-minded philanthropy. Today, P. Terry's operates 38 locations across Texas. Join RULibrary: www.restaurantunstoppable.com/RULibrary Join RULive: www.restaurantunstoppable.com/live Set Up your RUEvolve 1:1: www.restaurantunstoppable.com/evolve Subscribe on YouTube: https://youtube.com/restaurantunstoppable Subscribe to our email newsletter: https://www.restaurantunstoppable.com/ Today's sponsors: - https://www.hermetic.ai/ Hermetic.ai Private event leads die in inboxes every day. Mia fixes that. She's an AI agent that responds within seconds, handles the back-and-forth, and fills your event calendar — automatically. Fully integrated in under 10 minutes. Head to hermetic.ai and put her to work. - Hotshift - Hotshift is the all-in-one tool built by a restaurant owner, for restaurant owners. Scheduling, hiring, training, reviews — one roof, one login. Plusreal-time labor cost forecasting before the shift ever starts. Head to hotshift.pro/unstoppable. - Restaurant Technologies — the leader in automated cooking oil management. Their Total Oil Management solution is an end-to-end closed loop automated system that delivers, monitors, filters, collects, and recycles your cooking oil eliminating one of the dirtiest jobs in the kitchen.. Automate your oil and elevate your kitchen by visiting rti-inc.com or call 888-779-5314 to get started! - US Foods - Running a restaurant takes MORE than great food – it takes reliable deliveries, quality products and smart tools built for foodservice. Restaurant Unstoppable listeners get a free business bundle when they become a US Foods customer.  Visit usfoods.com/unstoppable. - Guest contact info:  LinkedIn: https://www.linkedin.com/in/kathy-terry-atx/ Thanks for listening! Rate the podcast, subscribe, and share! 

The Drive played what Royals owner John Sherman had to say about how he pans to make a larger payroll investment in the team this offseason.

Most shops treat lean like a poster on the break room wall. Andrew Henry runs it like a competitive weapon. He built Henry Holsters into a company that ships around 55,000 orders a year, most of them the same day they come in, without stacks of work in process piling up on every bench. We caught up with Andrew at the Summit on the Summit, and the conversation kept circling back to one idea: The waste hiding in your shop usually is not the machine, but everything happening around the machine. He walks us through the custom vacuum former he eventually scrapped for parts, the moment "Two Second Lean" flipped a switch in his head, and the shift to one-piece flow that changed how his team works. We also dig into how he is putting AI to work right now, not someday. Re-pricing a newly acquired customer's parts in an afternoon instead of weeks. Scanning thousands of lines of inventory to surface dead stock and ERP errors. Using it as a sparring partner to keep high-stakes customer emails firm but professional. And yes, spending an afternoon fighting with a coding tool just to understand what it can actually do. There is a bigger theme running underneath all of it. Ten years after a lot of us met at our first IMTS, the shops that keep showing up, keep learning, and keep trying things are the ones still standing. The ones who decided they were too busy to leave the shop are a different story. If you have ever told yourself you do not have time for a morning meeting, a trade show, or an afternoon with a new tool, this episode is a friendly shove in the other direction. What's Covered in this Episode (1:26) Meet Andrew Henry of Henry Holsters, a lean guru and Workflow automation fan (2:40) Why Andrew bought a Matsuura MX-420 PC10 and what sold him on Hennig's Workflow (3:46) Ten years since our first IMTS: who grew, who is gone, and why (5:25) The pace of change, when 5-axis, automation, and AI all hit at once (8:06) A gondola conversation on why he cannot afford to skip summits and trade shows (9:53) IMTS Industrial AI Conference: reality-based AI for the factory floor (10:40) "I do not have time…"and why that thinking is backwards (12:47) Using AI to re-price a newly acquired customer's parts in an afternoon (16:31) Turning AI loose on inventory data to find dead stock and ERP errors (18:22) Making people show their work with AI as a required thinking partner (20:25) AI as a diplomat for high-stakes, antagonistic customer emails (24:08) Take your shop to the next level with DN Solutions (25:20) Andrew Henry's accidental path to a CNC shop (27:37) Buying a Matsuura for injection mold work and foundational problems to tackle (29:26) The dream of closed-loop, self-correcting machining (33:03) People should not wait on machines, the chaku-chaku principle (33:55) Twin Table Brother cells, vacuum fixtures, and the case against batching (38:58) Find manufacturing leaders who actually fit with Hire MFG Leaders (39:27) Make-to-stock, make-to-order, and any color as long as it is black (40:20) What FastCap taught us and going all in on one-piece flow (44:23) Ownership and pride when one person makes the whole part (45:47) Triag Swiss Modular and machinists who own their machines (46:48) Why you cannot get everyone bought in (and why it's okay) (48:25) How the morning meeting really works, the cobra effect, and why bad incentives break your culture (52:41) The eight wastes, and why seeing the problem beats memorizing the acronym (54:05) "I can't" versus "how could we," closing the gap without hearing no (55:53) Andrew's Lean Built Podcast and the LinkedIn AI slop problem Resources Mentioned Henry Holsters Lean Built Podcast IMTS Industrial AI Conference DN Solutions Hire MFG Leaders Book: Two Second Lean Triag Swiss Modular Connect with Andrew Henry Henry Holsters Connect on LinkedIn Connect with MakingChips Website On Facebook On LinkedIn On Instagram On Twitter On YouTube

At Macstock, Alessandra White explains how blockchain can give creators greater control and permanence over their digital content. She discusses Hive, decentralized publishing, digital sovereignty, and ways creators can preserve posts and videos beyond centralized platforms. The conversation also examines blockchain's permanence, including the trade-off that published material cannot simply be deleted…ever.  This MacVoices is supported by our new MacVoices series, Foreshadowing Tech, that examines the effect of media depictions of tech and tech culture on real-world tech, and how real-world has affected technology depictions in the media. Check it out at http://macvoices.com/foreshadowingtech. Show Notes: Chapters: 00:00 From Macstock with Alessandra White 00:32 Learning Blockchain Without the Jargon 01:13 Blockchain as Web3 01:40 Ownership and Digital Sovereignty 02:13 The Permanence of Blockchain Content 02:44 Video, YouTube, and Blockchain Storage 03:17 Using Hive for Creator Content 04:04 Preserving Content Beyond Centralized Platforms 04:35 Native Video Publishing with 3Speak 05:02 Alessandra's Plans for Her YouTube Channel 05:35 The Appeal of Censorship-Resistant Publishing 06:06 Where to Follow Alessandra White 06:32 Closing Thoughts from Macstock Links: Alessandra White's YouTube Channel http://youtube.com/AlessandraWhite  Guests: Get detailed bios and contact information about for the panel on the MacVoices Live! Panel page on our web site: https://macvoices.com/macvoiceslive/macvoices-live-panel/ Support: Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect: Web:      http://macvoices.com Twitter: http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices Mastodon:      https://mastodon.cloud/@chuckjoiner Facebook:      http://www.facebook.com/chuck.joiner MacVoices Page on Facebook:      http://www.facebook.com/macvoices/ MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice LinkedIn:      https://www.linkedin.com/in/chuckjoiner/ Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher: Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

At Macstock, Alessandra White explains how blockchain can give creators greater control and permanence over their digital content. She discusses Hive, decentralized publishing, digital sovereignty, and ways creators can preserve posts and videos beyond centralized platforms. The conversation also examines blockchain's permanence, including the trade-off that published material cannot simply be deleted…ever.  This MacVoices is supported by our new MacVoices series, Foreshadowing Tech, that examines the effect of media depictions of tech and tech culture on real-world tech, and how real-world has affected technology depictions in the media. Check it out at http://macvoices.com/foreshadowingtech. Show Notes: Chapters: 00:00 From Macstock with Alessandra White 00:32 Learning Blockchain Without the Jargon 01:13 Blockchain as Web3 01:40 Ownership and Digital Sovereignty 02:13 The Permanence of Blockchain Content 02:44 Video, YouTube, and Blockchain Storage 03:17 Using Hive for Creator Content 04:04 Preserving Content Beyond Centralized Platforms 04:35 Native Video Publishing with 3Speak 05:02 Alessandra's Plans for Her YouTube Channel 05:35 The Appeal of Censorship-Resistant Publishing 06:06 Where to Follow Alessandra White 06:32 Closing Thoughts from Macstock Links: Alessandra White's YouTube Channel http://youtube.com/AlessandraWhite  Guests: Get detailed bios and contact information about for the panel on the MacVoices Live! Panel page on our web site: https://macvoices.com/macvoiceslive/macvoices-live-panel/ Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

This show has been flagged as Explicit by the host. Overview: Elroy sits down with Elsbeth to unpack her perspective on AI ethics — where the technology helps, where it risks harm, and what responsible use actually looks like in practice. Topics covered (In no particular order, as the rabid squirrels of Elsbeth's AuDHD brain don't do "order"): Elsbeth's path into AI evaluation and content moderation, and how that shaped her thinking on ethics in practice What "ethical use" of AI means day-to-day, not just in the abstract Respecting intellectual property — the case for protecting artists and creators as AI tools become more capable and widespread Finding the balance: supporting AI's genuine benefits without letting them come at creators' expense AI as an accessibility tool — its particular promise for neurodivergent people, and where it can lower barriers others don't face Where the conversation is heading next, and what listeners should watch for Closing thoughts: Elsbeth's take is one of cautious optimism — a call to hold both truths at once: AI can do real good, and that good has to be built on respect for the people whose work made it possible. Further Reading & Resources On AI, Ethics, and Intellectual Property AI and Intellectual Property in 2026: why transparency and court rulings will define the next phase of governance — The AI Journal https://aijourn.com/ai-and-intellectual-property-in-2026-why-transparency-and-court-rulings-will-define-the-next-phase-of-governance/ Global laws governing intellectual property rights for AI-generated works — Discover Artificial Intelligence, Springer Nature Link https://link.springer.com/article/10.1007/s44163-026-01165-8 AI and IP laws 2026: Understanding Authorship and Ownership legalities — AnalystIP https://analystip.com/ai-and-ip-laws-2026-authorship-ownership-explained/ AI Art in 2026: The Ethics, Law, and What Artists Should Know — UrduPure https://www.urdupure.com/blog/ai-art-in-2026-the-ethics-law-and-what-artists-should-know On AI and Neurodivergent Accessibility Navigating Neurodivergence with AI Chatbots: Benefits, Tensions, and Implications for HCI — CHI 2026 Conference Proceedings https://dl.acm.org/doi/10.1145/3772318.3791334 Is AI making work more accessible for neurodiverse people? — Everway https://www.everway.com/en-gb/blog/is-ai-making-work-more-accessible-for-neurodiverse-people/ Autoethnographic Insights from Neurodivergent GAI "Power Users" — NCBI/PMC https://www.ncbi.nlm.nih.gov/pmc/articles/PMC12645485/ A scoping review of inclusive and adaptive human–AI interaction design for neurodivergent users — Disability and Rehabilitation: Assistive Technology https://www.tandfonline.com/doi/full/10.1080/17483107.2025.2579822 Show rated *explicit* for possible course language and strong opinions. Provide feedback on this episode.

In this powerful and thought-provoking podcast, Jerold breaks down one of the biggest myths about wealth: the idea that you have to be an athlete, entertainer, or celebrity to become financially successful. He explains how true billionaires build wealth through ownership, business, branding, and value creation, not just talent or fame. Using examples from some of the world's most successful public figures, Jerold reveals how the real money is made behind the scenes through systems, investments, partnerships, and personal branding. This episode also dives deep into emotional discipline, protecting your reputation, and understanding the importance of building a name people trust and respect. Jerold challenges listeners to stop chasing attention and start focusing on ownership, leverage, and creating value for larger groups of people. If you are serious about building long-term wealth, protecting your peace, and developing a mindset focused on growth and freedom, this podcast will inspire you to think bigger and move differently.Check us out -  Instagram and Twitter: JeroldJax Facebook:  Jerold Action Jackson and Zone Of ActionJeroldJackson.comHappiness starts with you. Not with your relationship, not with your job, not with your money, but with you in the Zone of Action.

What makes a spiritual leader trustworthy? Through 1 Timothy 3:1 through 7, Chrissy Cole examines biblical leadership and the character God desires in those who lead. Trust begins with calling, is earned through character, starts at home, and takes time, ultimately pointing us to Jesus as the perfect trustworthy Shepherd and the One we must surrender our lives to follow. (00:00) - Leaders You Can Trust (03:09) - Men and Women Building the Church Together (04:51) - Qualifications for Trustworthy Leaders (06:16) - Church Hurt and Healthy Leadership (08:35) - Everyone Is Leading Someone (11:37) - Trust Begins With Calling (15:41) - Godly Ambition or Selfish Ambition? (19:14) - Ownership, Apology, and Accountability (20:45) - Trust Is Earned Through Character (28:10) - Trust Starts at Home (32:58) - Trust Takes Time (38:47) - Jesus, the Perfect Trustworthy Shepherd (42:53) - Surrendering Your Leadership to Jesus

Everybody has an opinion about who should buy whole life insurance. We've given ours plenty of times — built on fifteen-plus years and a few hundred conversations about who it works for and who it doesn't. This week we did something different. We set the opinions aside and went looking for who actually owns cash value life insurance, according to the data. The headline is a paradox. Ownership just hit a record low — about 16% of American families held a cash value policy in 2022, down from more than 37% back in 1989. And yet the industry is selling more of it than ever: new individual life premiums set a record of $17.5 billion in 2025, up 10% in a single year. Fewer families own it, but the ones who do own a lot more of it. The buyer pool didn't disappear. It narrowed and concentrated. So who's left? Not who the stereotype says. We walk the numbers on-air, and a few of them go sideways from the sales pitch: the wealthiest households actually walked away from cash value the fastest, business owners and the self-employed own it at roughly double the rate of everybody else, and the single most-repeated selling point — "it's for risk-averse people" — turns out to be the least-supported claim in the entire body of research. What does hold up might surprise you: financial discipline, a genuinely complicated balance sheet, and having been around the financial block a time or ten. We also do the thing we always do — tell you where the data runs out. Correlation isn't a prescription; this product is sold and not bought, and no spreadsheet can tell you what's right for your situation. But by the end you'll have a much better set of questions to ask yourself than "am I the kind of person who buys this?" _______________________________________ If any of this hits close to home and you want to talk it through, send us a message or book a call with us. We'll give you the pluses and the minuses — no pitch, we promise.

These are the Energy Themes clip from our recent 8:8 Lion's Gate Portal: Golden Age Activation which you can catch the replay inside our Online Community ✨The Starseed Grid✨These energies will be present throughout the month of August 2026 and for the rest of the year.Note: even if you're watching this after August/2026, there's still something meant for you to hear in your "now moment". Just tune in to your intuition!00:00 - The Lion's Gate Portal: GOLDEN AGE Activation01:31 You are building a new FOUNDATION for YOURSELF and for the COLLECTIVE (Message from the Sirians)03:59 You're EXPANDING and CLEARING space (Message from the Pleiadians)09:53 You're learning to take OWNERSHIP of your role as a DIVINE CO-CREATOR (Message from the Lyrans)

Have you ever stopped to ask yourself, Who does it all belong to? Most of us naturally think of our homes, businesses, gardens, and finances as our own. But what if the Bible paints a different picture? What if we're not owners at all, but stewards of everything God has entrusted to us? In this episode, I'm joined by David Stelzer, president of Azure Standard and author of Seeds of Hope. Together, we explore the biblical difference between stewardship and ownership, what it means to build a God-led business, and how trusting God's principles can transform the way we approach our homes, homesteads, finances, and daily lives. In this episode, you'll learn: • Why seeing God as the true Owner changes everything. • The biblical principle of stewardship versus ownership. • How Azure Standard has built a business guided by faith and biblical values. • What Scripture teaches about Sabbath rest for both the land and ourselves. • How an abundance mindset replaces fear and scarcity with trust in God's provision. • Practical ways to faithfully steward what God has placed in your hands. Whether you're managing a backyard garden, raising a family, running a business, or simply seeking to live more faithfully, this conversation will encourage you to view every area of your life through the lens of biblical stewardship. Resources Mentioned: Grab all the resources on the accompanying blog post here: https://melissaknorris.com/517  Seeds of Hope by David Stelzer: https://amzn.to/4wiHGEE  Azure Standard: https://melissaknorris.com/azure-standard  Thanks to Azure Standard for sponsoring this podcast. If you're looking to shop from a company you can trust has your best interest in mind, give Azure Standard a try. Be sure to use coupon code MELISSA15 on your first order of $100 or more (delivered to a drop location only) and start stocking your pantry with wholesome foods without all the junk. https://melissaknorris.com/azure-standard 

Have you ever wondered why your side hustle still feels like a job, even after months of grinding on it? You're not lazy. You're not doing it wrong. You might just be building the wrong thing. In this solo episode of The Happy Hustle Podcast, I get into something I've watched trip up side hustlers and seven and eight figure founders alike. It's not a money problem. It's not a hustle problem. It's an ownership problem. And once you see it, you can't unsee it. Here's the big shift. Most people think a side hustle is about the extra income. But the real win isn't the check, it's whether what you built can survive without you. A job pays you for your time. An asset pays you for what you built, over and over, long after the initial work is done. That's the whole game. And most people never stop to ask which one they actually have. I break down a handful of ideas that changed how I think about building income streams, both for myself and for my team. Here's what stood out. The 30 day test tells you the truth. If you disappeared for 30 days and your revenue dropped to zero, you don't own an asset. You own a high paying job wearing a side hustle costume. It's blunt, but it's the fastest way to know where you actually stand. Most people mismanage the money before they ever scale it. Almost 40% of side hustle income goes to discretionary spending, only 31% gets saved, and just one in five people put any of it toward debt. I share my own rule for this, which is 30% set aside for taxes the day it lands, 30% back into the business, and 40% home to you. That structure alone can change everything. Ownership changes people, and that includes your team. 40% of side hustlers say they wouldn't quit even for a 20% raise from their main employer. That's not about money. That's about people tasting ownership for the first time and refusing to let it go. If you're leading a team, this matters more than you think. Burnout is real, even for founders who look like they have it together. 67% of people running something on the side report burnout. I talk about the 90 day checkpoint I use to stay honest with myself, which comes down to three questions. Is revenue trending up, flat, or down. What's my actual return on the hours I'm putting in. And how do I really feel about it on a Sunday night. You have to own your audience, not rent it. If your business lives entirely on someone else's platform, you're a tenant, not an owner. I talk about why your email list and your own community matter so much more than followers on a platform you don't control. What I really want for you is the same thing I want for my own team. Time back. Freedom back. The ability to build something that keeps working even when you step away from it. That's what happy hustling is actually about. Not doing more, but building smarter. If any of this hit home, go listen to the full episode at https://happyhustle.com/podcast. I break down every one of these ideas in more depth, with the exact tools and systems I use to build assets that run without me. It just might be the reset you didn't know you needed. Connect with Cary!https://www.instagram.com/caryjack/https://www.facebook.com/SirCaryJackhttps://www.linkedin.com/in/cary-jack-kendzior/https://twitter.com/thehappyhustlehttps://www.tiktok.com/@caryjackhttps://www.youtube.com/channel/UCFDNsD59tLxv2JfEuSsNMOQ/featured Get a copy of his new book, https://www.thehappyhustle.com/book Sign up for The Journey: 10 Days To Become a Happy Hustler Online Course @ https://thehappyhustle.com/thejourney/ Apply to the Montana Mastermind Epic Camping Adventure @ https://thehappyhustle.com/mastermind/ “It's time to Happy Hustle, a blissfully balanced life you love, full of passion, purpose, and positive impact!” Episode Sponsors: Kiln Your environment shapes your energy and your results. That's why we're proud to partner with Kiln, a premium workspace experience designed to help you work smarter, connect with amazing people, and elevate your lifestyle. From co-working and private offices to meeting rooms and event spaces, Kiln (https://kiln.com/) has everything you need to thrive. Mention "Happy Hustle" for a special hookup! =================================================================== If you're feeling stressed, not sleeping great, or your energy's been kinda meh lately—let me put you on to something that's been a total game-changer for me: Magnesium Breakthrough by BiOptimizers. This ain't your average magnesium—it's got all 7 essential forms that your body needs to chill out, sleep deeper, and feel more balanced. I take it every night and legit notice the difference the next day. No more waking up groggy or tossing and turning all night If you're ready to sleep like a baby, calm your nervous system, and optimize your recovery, go grab yours now at https://www.bioptimizers.com/happy and use code HAPPY10 for 10% OFF. =================================================================== My Green Mattress If you've been waking up with back pain, feeling stiff, or just not getting that deep, quality sleep. This might be what you're missing: My Green Mattress. It's made with clean, non-toxic, and eco-friendly materials, so you're not just sleeping better, you're sleeping healthier too. The comfort and support are on another level, and you can really feel the difference night after night. If you're ready to invest in better sleep and better recovery, check it out at https://thehappyhustle.com/mygreenmattress =================================================================== Ozlo Sleep If you've been struggling to fall asleep, stay asleep, or just wake up feeling actually rested, let me put you on to something that's been a total game-changer: Ozlo Sleep. These aren't your typical sleep buds. They're designed to block out noise and help your brain fully relax, so you can drift off faster and stay in deep, uninterrupted sleep. Perfect if you're a light sleeper or just want that next-level rest. If you're ready to upgrade your sleep and wake up feeling recharged, check out https://ozlosleep.com and save $80 OFF using code HAPPY.

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Today, I have the pleasure of speaking with Sherri Helmond, Accounting & Financial Outsourcing Director, Equine Industry Leader at Dean Dorton. With more than 30 years of executive management experience, Sherri brings a unique blend of operational leadership, financial expertise, and industry insight to her role as Dean Dorton's Equine Industry Leader. As Equine Industry Leader, she works closely with clients to align financial strategies with the unique demands of the industry. Sherri's areas of expertise include business planning, financial analysis, forecasting, and outsourced accounting. She is particularly skilled in implementing technology solutions, including Sage Intacct, to streamline financial processes, enhance reporting, and deliver actionable insights that support sustainable growth. Since joining Dean Dorton in 2019, Sherri has specialized in serving equine clients, leveraging her CFO-level expertise to help farm owners, trainers, and equine businesses strengthen operations, improve profitability, and plan strategically for long-term success. Sherri and her firm, Dean Dorton, are an Advisor Member of FOX, and we are thrilled to have her expertise and thought leadership within our membership community. We start with Sherri's views on where equine ownership sits in the bigger picture of an enterprise family's life and investment portfolio. She describes the different reasons and models for a family and their family office to be involved with breeding and owning horses. There are many segments within the equine industry. Shery elaborates on how a family should evaluate and select the right segment, and how they should engage with all the industry players within their chosen segment of equine ownership. One practical consideration for families who are passionate about owning or investing in horses is all the specialized expertise they need to be successful in this niche endeavor. Sherri offers her advice on how families and their family offices should assemble the right team of advisors with deep and relevant expertise in the equine space. Do not miss this illuminating conversation with one of the foremost equine experts serving UHNW families and their family offices.

'BradCast' 8/5/2026: Lawless FCC Votes to Ignore Legal Cap on TV Station Ownership by Progressive Voices

Julie Austin on Veteran Entrepreneurship, Leadership, and Forces Brands USA I spoke with retired U.S. Army officer Julie Austin about leadership, military transition, and the next mission many veterans choose after taking off the uniform: entrepreneurship. Julie served our nation for 20 years while carrying on a proud military family legacy. Her journey began as a reluctant ROTC cadet and eventually took her into positions of increasing responsibility, including serving as a battalion commander. Throughout our conversation, Julie shares the leadership lessons she learned during two decades in the Army and how those experiences continue to shape her life today. We also discuss her transition from military to civilian life and why prioritizing her family became an important part of deciding what came next. Helping Veterans Become Entrepreneurs Military service develops skills that translate naturally into business ownership. Leadership, discipline, adaptability, resilience, problem-solving, and the ability to operate under pressure are all qualities veterans can bring to entrepreneurship. Julie is putting those skills to work as co-host of the Dog Tags to Ownership podcast, where she helps veterans explore the opportunities and challenges that come with starting and growing a business. We discuss why entrepreneurship can provide veterans with something beyond a career, and how 0it can offer a new mission and another opportunity to lead. Supporting Veteran-Owned Businesses with Forces Brands USA One of the most exciting parts of our conversation is Julie’s announcement of Forces Brands USA, an online marketplace designed to connect consumers with veteran-owned businesses across the country. The concept creates an opportunity to strengthen the veteran business community while making it easier for consumers to intentionally support entrepreneurs who have served our nation. Forces Brands USA represents something I strongly believe in: Veterans supporting Veterans while building stronger communities. Whether you’re a veteran considering entrepreneurship, a business owner looking for inspiration, or a consumer who wants to support veteran-owned companies, this conversation offers valuable insights into leadership, transition, and finding your next mission. Visit https://forcesbrands-usa.com/ to learn more about Forces Brands USA and how you can get involved. Julie, thank you for your 20 years of military service, your continued commitment to empowering veterans, and for joining me on Oscar Mike Radio. We are Mission in Flight!

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast #BEST #SHMS #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast #BEST #SHMS #STRAWSee omnystudio.com/listener for privacy information.

Listeners call in to rant about fast food orders, Nationals cheap ownership, airline delays, and more.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Cheryl Taylor Anderson. Podcast: Money Making Conversations MasterclassHost: Rushion McDonaldGuest: Cheryl Taylor Anderson, Real Estate Broker (Metro Atlanta) 1. Purpose of the Interview The core purpose of this interview is to educate, empower, and motivate listeners—particularly first‑time homebuyers, renters, veterans, and people of color—to pursue homeownership as a wealth‑building strategy. Specifically, the conversation aims to: Demystify the homebuying process Combat fear and misinformation around mortgages Highlight low‑ and zero‑down payment opportunities Explain how homeowners can build equity faster Emphasize real estate as a key tool for generational wealth Encourage disciplined financial decisions rooted in ownership rather than renting Rushion positions the discussion as a knowledge‑sharing opportunity to help listeners move from renting to owning, especially in communities historically excluded from homeownership. 2. Interview Overview Cheryl Taylor Anderson brings more than 20 years of real estate experience and over $400 million in sales in Metro Atlanta. She works with: First‑time homebuyers VA and military families Move‑up buyers Luxury clients and institutional sellers Throughout the interview, Cheryl provides practical, real‑world examples—including her own story as a former single mother and homeowner—to ease fear, explain financing, and correct misconceptions about buying a home. 3. Key Takeaways A. Many Renters Can Already Afford to Own One of the central points is that many renters are paying as much—or more—than mortgage payments without building equity. Rent payments offer no tax benefits Mortgage payments build ownership and wealth Homeowners can deduct mortgage interest (unlike rent) Key idea: Many people qualify for ownership but are held back by misinformation and fear. B. First‑Time Homebuyers Have More Options Than They Realize Cheryl explains that many buyers are unaware of: Zero‑down payment programs Builder incentives covering closing costs Opportunities to move into homes with minimal out‑of‑pocket costs In some cases, buyers are only required to bring earnest money, making homeownership far more accessible than expected. C. VA and Veteran Benefits Are Underused Cheryl strongly emphasizes VA loans as one of the most powerful tools for homeownership: 100% financing (zero down payment) Ability to ask sellers for up to 6% in closing cost contributions Certain veterans may be exempt from property taxes Lower monthly payments overall Veterans are encouraged to use their benefits, even years after leaving military service. D. A 30‑Year Mortgage Does Not Mean 30 Years of Debt Cheryl reframes mortgage timelines by teaching strategic repayment: Paying bi‑weekly instead of monthly Adding small extra payments ($50–$100/month) Reducing both interest and principal faster She uses her personal example of being close to paying off her home early despite starting with a traditional 30‑year loan. E. Homeownership Builds Stability and Community The interview contrasts renting versus owning: Ownership benefits include: Equity growth Customization and upgrades Neighborhood relationships Security and long‑term stability A tangible asset to pass to children Even HOA‑managed communities—while sometimes frustrating—protect property values and neighborhood standards. F. Home Warranties Reduce Fear of Maintenance To address anxiety about repairs, Cheryl recommends home warranties: Cover major systems (HVAC, water heaters, appliances) Low service fees when repairs are needed Can be negotiated into purchase contracts Provide peace of mind similar to apartment maintenance This is especially helpful for first‑time buyers. G. Social Media Builds Trust and Visibility Cheryl explains how social media strengthens her business: Buyers see real closings, celebrations, and testimonials Creates emotional connection and trust Inspires others to picture themselves as homeowners Visibility drives confidence and referrals. H. Education and Adaptability Drive Longevity Cheryl credits her success through: The 2008 housing crisis COVID‑19 Market shifts to constant learning, flexibility, and strategy pivots (e.g., foreclosures, BPOs, builder incentives). 4. Notable Quotes On Renting vs. Owning “Never be willing to pay somebody more than you’re willing to pay yourself.” On First‑Time Buyer Fear “Don’t let the longevity scare you. In an apartment, you’re building nothing.” On VA Benefits “Veterans can come to the table with zero down—and sometimes no property taxes.” On Mortgage Strategy “Pay every two weeks and it knocks down your interest and principal faster.” On Equity “Rent doesn’t give you anything to leave your children. Homeownership does.” On Homeownership Mindset “People are willing to pay their landlord more than they’ll pay themselves.” 5. Overall Takeaway This interview reinforces homeownership as one of the most powerful, attainable tools for building long‑term wealth—when buyers are properly educated, supported, and encouraged to move past fear and misinformation. Cheryl Taylor Anderson demonstrates that: Buying a home is often more accessible than people believe Strategic mortgage management can drastically shorten debt timelines Ownership builds equity, stability, and generational opportunity #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcast #BEST #SHMS #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Send us Fan MailStrength is not a personality trait, it is a practice, and children learn it by watching.In this episode, we unpack why the mother role is one of the most vital and least supported roles there is. Emilia and Bianca make the case that you cannot be an empowered mother without first being an empowered woman, and that most women are attempting exactly that inside a culture that quietly resists it. They get into leading by example in the gym, in community, and in the language you use about your own child, and why a mother's presence shapes emotional safety, brain development, and a sense of self long before a child has words for any of it.They also name the cost of getting it wrong: the Ferber method and the cry it out generation, the gap between good enough parenting and exceptional parenting, and the ownership mindset that surfaces when a parent believes they get to decide who their child is. Two client stories anchor the conversation, one single mother who describes motherhood as continuously getting to learn who her daughter is, and one woman who could not reach her own emotions until she had to co-regulate her toddler through a terrifying afternoon. This is not mother bashing. It is a call for women to be supported, for men to back them, and for the cycles to stop here.Here's a related episode that builds on today's conversation: #527 | How Important the Father Role REALLY Is - https://podcasts.apple.com/ca/podcast/evolve-ventures/id1511831621?i=1000779642049Learn more about:

We always learn a ton of new information about leagues, franchises and ownership value and values whenever we invite Kurt Badenhausen of Sportico to give Nestor the new math of Orioles and Ravens franchise valuations and the upcoming MLB ownership risk that David Rubenstein and Michael Arougheti have taken in with a sport without a labor and cost certainty compass. The post Sportico writer Kurt Badenhausen gives Nestor the real math of Orioles and Ravens franchise valuation and MLB ownership risk first appeared on Baltimore Positive WNST.

In this episode, Cathy Hackl and Lee Kebler discuss the current state of technology, AI, gaming, and the importance of human connection in a rapidly evolving digital landscape. They share insights on global tech trends, the future of gaming, and the significance of ownership and authenticity in digital media.keywords: technology, AI, gaming, digital ownership, human connection, global tech trends, UGC, generative AI, tech landscape, innovationKey topicsCurrent state of technology and AIThe evolution of gaming and UGC platformsOwnership and digital rights in mediaGlobal conversations on AI and quantum computingThe importance of human connection in tech developmentTakeawaysTechnology is at a point of recalibration, with a focus on responsible innovation.The gaming industry is shifting towards user-generated content and digital ownership.Global conversations on AI are expanding beyond generative AI to include quantum and material sciences.Ownership of digital media remains a concern, with a preference for tangible and owned content.Human connection remains central to meaningful technology use and development.Chapters00:00Introduction and return to podcast02:02Ownership of the podcast and its significance03:18The changing landscape of technology and AI04:55Overextension and recalibration of tech expectations07:31Global conversations on AI and other emerging technologies10:43Broader perspectives on innovation and global tech hubs13:19Market trends and the return of startup innovation17:21Content discovery challenges and digital ownership20:07The future of gaming and user-generated content26:16The decline of physical media and ownership issues29:03Hollywood's embrace of gaming IP and UGC32:16Launching new gaming studios and independent development34:05The importance of authentic innovation in tech37:33Interesting recent tech news and societal impacts40:43Human connection versus technological automation44:34The impact of AI on jobs and societal shifts46:49Closing thoughts and future outlooks

Ken Carman and Anthony Lima analyze the Cleveland Guardians' aggressive moves at the trade deadline and how they impact the American League landscape. They also weigh in on the Browns' quarterback situation following comments regarding competition and earned reps during training camp. 02:42 - Guardians Trade Deadline Reaction 07:35 - Evaluating New Hitting Additions 13:34 - Ownership and Payroll Decisions 19:59 - Roster Changes and Prospects 25:09 - Guardians Versus Mets Strategy 36:23 - Browns Quarterback Competition Debate

Grant & Danny discuss what the Nationals' trade deadline activity says about the organization's ownership and long-term direction. They debate whether the moves reflect a clear rebuilding plan, the level of commitment to winning, and what fans should take away from the front office's approach at the deadline.

Grant & Danny take calls from Nationals fans reacting to the team's trade deadline and what it says about the organization's ownership. Callers share whether they believe the franchise is headed in the right direction, if ownership deserves criticism or patience, and what they want to see next from the Nationals.

Grant & Danny discuss what the Nationals' trade deadline revealed about the organization's ownership and the direction of the franchise moving forward. They take calls from listeners reacting to Washington's deadline moves before wrapping up the hour with Commanders pass rusher K'Lavon Chaisson, who shares his thoughts on training camp and his role on the defense.

Does employee ownership really work? Matthew Warner, founder and CEO of Flocknote, says it certainly does. In this podcast, Marc Barnes interviews Matthew on his experience transitioning Flocknote to an employee owned company, and the benefits it brings to his company. They also discuss Catholic Social Teaching on ownership and labor, and how Catholics can incorporate these teachings.

Is true healing after infidelity really possible? When trust is shattered by betrayal, the pain often feels insurmountable—turning love and certainty into confusion, grief, and self-doubt. The world seems to shift on its axis, leaving many to quietly question whether relationships can ever fully recover or whether individuals can truly reclaim safety and a sense of self after such a rupture. In this episode, listeners will discover compassionate guidance for facing the aftermath of intimate betrayal and pathways toward real healing. The conversation explores why facing uncomfortable truths is a necessary starting point, what it means to rebuild safety and internal clarity, and how to find empowerment amidst pressure from others and oneself. Moving through foundational steps and the common phases of recovery, this episode offers both validation and tools for anyone unsure of what comes next—reminding listeners that, with intentional effort, hope and growth are within reach. Tammy Gustafson, MA, LPC, is a trauma-informed licensed professional counselor, coach, and speaker with over fifteen years of experience. She holds a master's degree in counseling and is the founder and CEO of Betrayal Healing and LiveFree Counseling. She is the bestselling author of Broken to Brave: Your Courageous Act of Healing After Intimate Betrayal, and she hosts the annual Betrayal Healing Conference, an international gathering of hope and expert guidance.   Episode Highlights 03:48 The unique pain of intimate betrayal and the shattering of trust. 06:17 Navigating uncertainty: Deciding whether to stay or leave after betrayal. 10:07 The necessity and process of full disclosure in healing betrayal. 14:34 Childhood roots and the myths around blame in infidelity. 16:37 Ownership and the importance of responsibility. 22:27 Key foundations of repair: Full ownership and avoiding defensiveness. 24:56 Expressing emotions and empowering the betrayed partner. 28:14 Grieving, acceptance, and the importance of safety in the healing process. 31:51 The four phases of betrayal recovery. 35:30 Outcomes after betrayal and the possibility of growth. 37:10 Indicators of healing: Rebuilding trust and recognizing positive change. 40:07 Sustaining recovery: Shifting needs, integrity, and the journey toward growth.   Your Checklist of Actions to Take Allow Time for Clarity: Resist immediate pressure to decide whether to stay or leave; give yourself space to grieve and process before making big decisions. Seek Full Disclosure: Insist on obtaining the full truth about the betrayal, ideally with the support of a therapist who specializes in betrayal trauma. Own Your Emotions: Permit yourself to experience and express all feelings—including sadness and anger—throughout the healing process. Establish Safety: Ask yourself, "What do I need to feel safe?" and establish boundaries or environments that honor those needs. Expect 100% Ownership from the Betraying Partner: Require the partner who betrayed to take complete responsibility for both their actions and the impact on you. Look for Consistent Change: Observe for ongoing, consistent behavioral change and empathy from the betraying partner as indicators of healing. Consider Professional Support: Work with therapists individually and as a couple who are trained in betrayal and trauma to facilitate healthy communication and healing. Focus on Personal Growth: Prioritize your own healing, self-care, and post-traumatic growth, regardless of the relationship's outcome.   Mentioned Broken to Brave: Your Courageous Act of Healing After Intimate Betrayal (*Amazon Affiliate link) (book) Shifting Criticism For Connected Communication (free relationship guide)   Connect with Tammy Gustafson Website: tammygustafson.com Instagram: instagram.com/tammylgustafson Facebook: facebook.com/betrayalhealing  LinkedIn: linkedin.com/in/tammy-gustafson-lpc-4179aaa3/   

U.S. soccer legend Brandi Chastain joins Nikki & Brie for a powerful, forward-looking conversation about the game she helped transform and the future she is now helping build. From the unforgettable moments that made history to the fight for greater opportunity, ownership, and investment in women's sports, Brandi shares why soccer still has the power to unite, inspire, and change lives. Now, as a co-founder of Bay FC, she is turning decades of experience into a bold new vision for the next generation. Press play for an inspiring conversation about grit, legacy, and what becomes possible when women stop waiting for a seat and start building the table. *This episode was taped in mid-July. Call Nikki & Brie at 833-GARCIA2 and leave a voicemail! Follow Nikki & Brie on Instagram, follow the show on Instagram and TikTok and send Nikki & Brie a message on Threads! Follow Bonita Bonita on Instagram Book a reservation at the Bonita Bonita Speakeasy To watch exclusive videos of this week's episode, follow The Nikki & Brie Show on YouTube, Facebook, and TikTok! You can also catch The Nikki & Brie Show on SiriusXM Stars 109! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Rick Stroud and Steve Versnick with the latest on the Buccaneers Training Camp including ownerships feelings about Baker Mayfield's contract comments last week, Vita Vea's hold-in and standout players so far. Plus the Rays goes 6-3 on the home stand despite scoring less than 3 runs a game. Plus they added a starting pitcher as they trade for Freddy Peralta from the Mets. Hosted on Acast. See acast.com/privacy for more information.