Podcasts about portfolio allocation

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

Think retirement is still years away? That mindset could quietly shape the decisions you’re making today. In this episode, Frankie Guida discusses how delaying planning can create challenges as retirement approaches. The conversation highlights the importance of starting early, evaluating investment options, and adjusting strategies over time. Using real-life scenarios, he explores how portfolio structure, tax considerations, and risk management may influence retirement outcomes. It’s a look at how preparation—and timing—can impact the transition from working years into retirement. Schedule a complimentary appointment: A Better Way Financial Learn more about Frank and Frankie's book here! Buy Frank's book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Buy Frankie's book! Amazon Best Seller, ""A Better Way to Retire: How a Fiduciary Retirement Planner Can Be the Key to Financial Success" CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

Don celebrates the continued success of the Friday Q&A format and the encouraging first week of sales for his novel The Line Uncrossed, including a strong Kirkus review, before tackling a series of listener questions centered on retirement income and fixed income investing. He explains how his combination of cash reserves, a CD ladder, and bond funds supports a disciplined withdrawal strategy, discusses why diversified bond funds like BND still play an important role in reducing portfolio volatility, rejects the idea that Social Security and pension income should be counted as bond allocations within an investment portfolio, argues against the concept of a reverse glide path that increases stock exposure later in retirement, and shares lessons learned from decades of entrepreneurship about balancing investments in a business versus the market. Throughout the episode, he emphasizes diversification, discipline, investor behavior, and the importance of managing volatility rather than chasing returns.0:05 Why listener questions remain Don's favorite part of talk radio after 40+ years1:16 Friday Q&A episodes continue to be the most downloaded shows each week1:50 Easier ways to submit questions through the redesigned Talking Real Money website2:42 First-week sales update on The Line Uncrossed and reader support3:21 Positive Kirkus review and details on the ebook bundle4:48 How Don uses cash, bond funds, and a CD ladder during retirement8:00 Why BND and total bond market funds remain useful fixed income tools11:22 Should Social Security and pensions count as bonds in your allocation?14:26 Why Don believes reverse glide paths are a bad retirement strategy17:34 Investing in your own business versus investing in the market21:23 Why compliance reviews delay listener questions from airingQuestions? Comments? Click!

Yogi in Dhurandhar Mode | Portfolio Allocation, Namaz Ban | Akhilesh PDA Blunders Giving a Walkover

What if the biggest threat to your retirement isn’t how the market performs—but when it performs? In this episode, Abe Abich breaks down sequence of returns risk and why early losses in retirement can have lasting effects. He explains how withdrawing income during market downturns can create long-term challenges, especially in the first few years. The conversation also highlights the role of balancing growth with stable income sources and why having a plan in place may help reduce emotional decision-making during volatile markets. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Is diversification really working the way you think or is it missing the bigger picture in retirement? This episode explores why some retirement-focused portfolios outperformed growth models, and what that reveals about strategy versus simple asset allocation. The conversation breaks down how traditional diversification has evolved, why risk management matters differently in retirement, and how income, taxes, and distribution planning fit into the equation. You’ll also hear why chasing returns can lead to unintended consequences, and how aligning investments with specific goals may change the approach. It’s a practical look at shifting from accumulation to a more balanced, income-aware mindset. Want to begin building your retirement and tax plan? Click Here to Schedule a 15-minute Discovery Call Follow us for more helpful insights:

Headlines are loud, markets are volatile—but should your retirement strategy react? In this episode from this past weekend’s radio show, Abe Abich breaks down why focusing on long-term planning matters more than chasing short-term market moves. He explains the risks of trying to time the market, shares real client scenarios around portfolio allocation and retirement readiness, and highlights the importance of having a clear income strategy. The conversation also touches on financial literacy gaps, especially for women, and why understanding your plan is just as important as building wealth. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Vincent Anthonyrajah, CEO of Differential Capital and Paul Moeketsi Managing Partner: Sanlam Private Equity at Sanlam Investments about why alternative investments are worth considering, and what “private markets” really are from private equity and infrastructure to private credit. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.    Thank you for listening to a podcast from The Money Show Listen live Primedia+ weekdays from 18:00 and 20:00 (SA Time) to The Money Show with Stephen Grootes broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3Nk For more from the show, go to https://buff.ly/7QpH0jY or find all the catch-up podcasts here https://buff.ly/PlhvUVe Subscribe to The Money Show Daily Newsletter and the Weekly Business Wrap here https://buff.ly/v5mfetc The Money Show is brought to you by Absa     Follow us on social media   702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/CapeTalk 702 on YouTube: https://www.youtube.com/@radio702   CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/Radio702 CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Send us Fan MailWhat check sizes are investors really writing? In this episode, $1B+ investors break down their minimums, maximums, and ideal investment ranges across asset classes.Whether you're raising $1M or $100M+, understanding investor check sizes is critical to structuring your deal correctly. This episode helps founders, fund managers, and sponsors align their capital strategy with real-world investor behavior.If you want to connect with serious investors, build better partnerships, and access real deal flow—join us inside the Family Office Club.Our investor club offers 30 nationwide events a year, 10,000 registered investors, and 40 proprietary AI tools designed to help you raise capital faster and more effectively.

Saving for retirement is one thing—turning those savings into reliable income is another challenge entirely. In this episode, Brandon Bowen explains why a 401(k) is not a retirement plan by itself and why many people struggle to transition from saving to spending. The conversation breaks down common misconceptions around annuities, income planning, and portfolio design, using real‑world examples to show how different tools fit together. Brandon emphasizes education, balance, and understanding how each piece of retirement income works before relying on it long term. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Don and Tom tackle the idea that retirement isn't what it used to be—and maybe shouldn't be at all. From historical retirement ages (when most people never made it) to today's longer, healthier lives, they explore why many people aren't eager to stop working. The conversation shifts to purpose, identity, and the growing trend of “phased retirement,” where people scale back instead of quitting outright. They also answer listener questions on using the TSP's G Fund as a stable anchor in a portfolio and the smartest way to time withdrawals from 529 plans for future medical school costs. Along the way, there's the usual banter, skepticism of industry nonsense, and a firm reminder: retirement is no longer a finish line—it's a design problem.0:05 Don's “retirement strategy”: Don't1:13 Should anyone actually retire anymore?2:06 Financial vs. psychological reasons people keep working3:15 History of retirement ages and why they were set4:39 Longevity trends and aging populations5:04 Why modern retirees want purpose and engagement6:14 Companies encouraging phased retirement (Microsoft example)7:48 Planning the “what will I do?” side of retirement8:28 Why experience makes you better (especially in media)10:12 Retirement identity and self-awareness11:01 Real-world example: professionals scaling back instead of quitting12:34 Don's evolving “never retire” plan14:55 The importance of knowing yourself before retiring16:22 Retirement today vs. historical necessity17:14 Rethinking retirement as continued contribution17:58 Listener question: Using TSP G Fund in retirement allocation20:19 Risks and logistics of split-account rebalancing21:26 Listener question: When to use 529 funds for med school23:17 Why delaying 529 withdrawals maximizes tax advantages24:52 How to submit listener questions26:19 Free advisor meetings and fiduciary pitch (without the noogie)Questions? Comments? Click!

When headlines drive fear and investors freeze, what actually matters? In this episode from this past weekend’s radio show, Michigan’s Retirement Coach Mike Douglas unpacks how market volatility, rising oil prices, and nonstop news cycles shape real retirement decisions. The conversation explores controlling what you can control, why doing nothing is still a decision, and how uncertainty shifts opportunity. From portfolio adjustments to tax planning conversations retirees are having right now, this episode focuses on navigating turbulent markets without letting daily headlines dictate long-term financial choices. Schedule your complimentary appointment today: MichigansRetirementCoach.com Follow us on social media: YouTube | Facebook | Instagram | LinkedInSee omnystudio.com/listener for privacy information.

In this month's Junior Mining Insights discussion, Bill Powers and Brian Leni discuss the topics of recent junior mining volatility, opportunity cost, overthinking and “it's cheap enough.” The duo shares their investment psychology, observations of sector participants, first-hand experience, and real-life stories from their own lives and portfolios. Bill and Brian also reveal a few books that they have recently read. 00:00 Intro 00:22 Portfolio volatility 02:14 Handling Big Drawdowns 05:24 Signal Versus Noise 09:01 Bias and Vetting Ideas 11:15 Overthinking Pitfalls 17:11 Process Builds Confidence 19:32 Portfolio Allocation and Greed 21:37 Cash Flow and Real Assets 23:54 Opportunity Cost and Priorities 27:19 Books and Uruguay Trip 36:43 Cheap Enough and Valuation 40:49 Luck Versus Skill in Wins Brian's website: https://www.juniorstockreview.com/ Brian's YT: https://www.youtube.com/@FIELD_NOTES Bill's Twitter: https://x.com/MiningStockEdu Sign up for our free newsletter and receive interview transcripts, stock profiles and investment ideas: http://eepurl.com/cHxJ39 Bill and Brian and not licensed financial advisors. Mining Stock Education offers informational content based on available data but it does not constitute investment, tax, or legal advice. It may not be appropriate for all situations or objectives. Readers and listeners should seek professional advice, make independent investigations and assessments before investing. MSE does not guarantee the accuracy or completeness of its content and should not be solely relied upon for investment decisions. MSE and its owner may hold financial interests in the companies discussed and can trade such securities without notice. MSE is biased towards its advertising sponsors which make this platform possible. MSE is not liable for representations, warranties, or omissions in its content. By accessing MSE content, users agree that MSE and its affiliates bear no liability related to the information provided or the investment decisions you make. Full disclaimer: https://www.miningstockeducation.com/disclaimer/

Is your financial thermostat set to the right temperature for retirement? This episode dives into how couples often differ on risk tolerance—and why identifying both your emotional comfort and financial capacity for risk is essential before leaving the workforce. Abe Abich explains how to strike the right balance between growth and preservation, avoid overexposure, and adjust your strategy as life and markets change. Learn why risk isn’t static, why regular check‑ins matter, and how a well‑tuned plan can support a confident, long‑lasting retirement. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

What if the money you worked decades to earn ends up sitting still when it should be fueling your future? In this episode, Frank and Frankie Guida unpack why so many retirees leave rollover funds idle, how fear and complexity lead to costly inaction, and what thoughtful allocation can do for long‑term stability. They explore real scenarios, risk‑tolerance planning, and strategies that help align investments with personal comfort levels. A clear look at making your retirement money more purposeful—without unnecessary complication. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTube See omnystudio.com/listener for privacy information.

In this episode with Robbie Mitchnick, Global Head of Digital Assets for BlackRock, we discuss: How BlackRock's $IBIT spot Bitcoin ETF became a historic success (and smashed gold's ETF record) Whether spot Bitcoin ETF flows are really being driven by retail investors or institutions Bitcoin has libertarian/cypherpunk roots: should we be concerned that large institutions are now involved The biggest misconceptions about Bitcoin Robbie hears from investors and skeptics How much Bitcoin BlackRock recommends in a diversified portfolio Learn more: https://www.blackrock.com/sg/en/insights  ---- It's officially out! Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to our financial system and the best performing asset:  https://amzn.to/3WzFzfU ---- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Coin Stories is powered by Bitwise. Bitwise has over $10B in client assets, 32 investment products, and a team of 100+ employees across the U.S. and Europe, all solely focused on Bitcoin and digital assets since 2017. Learn more at https://www.bitwiseinvestments.com  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Natalie's Bitcoin Product and Event Links: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  Genius Group (NYSE: $GNS) is building a 10,000 BTC treasury and educating the world through the Genius Academy. Check out *free* courses from Saifedean Ammous and myself at https://www.geniusgroup.ai Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

You've heard the strategies. You've seen the data. But what does it actually look like to build a rental property portfolio that fits your life, your goals, and your timeline?On this episode of the Not Your Average Investor Show, we sit down with a JWB client, Mike Foster, to walk through his real investing journey of how he shaped a plan that aligned with his long-term vision, what the experience has been like so far, and how working with JWB helped him move forward with clarity and confidence.Join show host, Pablo Gonzalez, to explore:✅ How to build a portfolio that reflects your goals and stage of life✅ What a supportive investing experience looks like with JWB behind you✅ Ways investors stay confident through changing markets and long timelines✅ Practical lessons you can apply to your own rental property journeyIf you've ever wondered what it feels like to build a rental property portfolio with intention, without pressure, comparison, or a one-size-fits-all playbook, this episode will give you a real-world look at the path forward.Listen NOW!Chapters:00:00 Introduction to a Unique Investor01:37 Meet Mike Foster: The Man with the Best Questions02:20 Mike's Journey with JWB07:46 Diving into Mike's Financial Strategy10:40 Mike's Family and Financial Goals15:10 The Importance of Long-Term Care Insurance28:11 Real Estate Ventures: The Ups and Downs32:57 Reflecting on Investment Choices35:09 The Appeal of Real Estate Stability35:37 Long-Term Investment Strategies36:30 Evaluating Investment Partners37:42 Core Priorities for Investment38:56 The Importance of Communication and Reliability40:53 Family and Legacy Planning42:00 Portfolio Allocation and Diversification51:50 Tax Benefits and Long-Term Goals01:00:05 Final Thoughts and AdviceStay connected to us! Join our real estate investor community LIVE: https://jwbrealestatecapital.com/nyai/Schedule a Turnkey strategy call: https://jwbrealestatecapital.com/turnkey/ *Get social with us:*Subscribe to our channel  @notyouraverageinvestor  Subscribe to  @JWBRealEstateCompanies  

Are Roth conversions really the golden ticket for your retirement—or could they push you into a costly tax trap? In this episode, Abe Ashton and Ethan break down the complexities of Roth conversions, reveal why the “big, beautiful bill” isn’t a one-size-fits-all solution, and explore new portfolio strategies like the 50-30-20 mix. Plus, learn who should—and shouldn’t—consider private equity in their 401(k). As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. Tune into Abe and his team on Tuesday at 5:30pm on Patriot Radio KSGO. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

What if the real financial risk isn't running out of money, but running out of time to use it well? In this episode, listen as James and Ari unpack a $14 million case study with concentrated inherited stock, sizable retirement accounts, and big questions about spending, portfolio risk, taxes, and legacy.See how a single allocation decision can swing outcomes from an eight-figure estate to running out of money by age 75. Learn why $25,000 a month versus $50,000 a month can change the end balance by tens of millions, and how to fund first-class experiences without sacrificing long-term security.Get practical about investment mix and sequence risk, including why a preservation-tilted portfolio can quietly erode optionality over decades. Then map a smarter spending design: a steady baseline plus time-boxed “experience funds” for travel and family, so you can say yes when health and energy are highest.What you'll learn (high-net-worth planning focus):Investment strategy and portfolio allocation: balancing growth and preservation, managing sequence risk, and diversifying concentrated stock.Tax strategy: timing Roth conversions, harvesting gains in low-rate windows, using QCDs to blunt RMDs, and giving appreciated stock through donor-advised funds.Estate planning: moving from revocable trusts to SLATs and grantor trusts, plus the deeper work of intent, values, and right-sized inheritances.Spending plan design: building a lifestyle-first plan that funds experiences today and keeps long-term flexibility.You'll also hear updated context on how many Americans actually cross eight figures, why common “ultra-high-net-worth” stats surprise most people, and how to turn a windfall — inheritance, business sale, or concentrated equity — into a resilient, purpose-driven plan.If the goal is money that reflects your purpose, not your fears, this conversation gives you a clear path to act with confidence.-The statements provided are from individuals who are not clients of Root Financial Partners, LLC. These individuals were not compensated for their comments, and their views do not necessarily reflect those of Root Financial Partners, LLC. The information shared is for informational purposes only and should not be considered a recommendation or testimonial regarding advisory services.Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation.The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal.Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsementsParticipation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written Create Your Custom Strategy ⬇️ Get Started Here.Join the new Root Collective HERE!

Is cryptocurrency the next must-have for your retirement portfolio—or just a risky bet? Certified financial planner Joshua Barbin breaks down the basics of crypto, why it’s generating buzz, and how new government attitudes and ETFs are changing the game. Learn about volatility, risk tolerance, and why a small allocation might make sense for your “future bucket.” This episode is part one of a two-part series exploring crypto’s evolving role in retirement Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Curious about crypto in retirement? Financial advisor Justin Dobak takes a deep dive into how retirees can approach cryptocurrency—from buying and holding to tax implications and future outlook. Learn the real risks, security options, and why a small allocation might make sense for some portfolios. Discover why caution and professional advice matter as crypto becomes more mainstream, but remains speculative. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

September 8, 2025 | Season 7 | Episode 33The financial landscape is shifting beneath our feet, and savvy investors are taking notice. Recent employment data has revealed troubling signs of economic weakness—just 22,000 jobs added in August (far below expectations), unemployment rising to a four-year high of 4.3%, and downward revisions showing actual job losses in June for the first time since 2020.But within this uncertainty lies opportunity. BlackRock, the world's largest asset manager, has made a striking proclamation: we're entering a prolonged dollar weakening cycle. History shows these cycles typically last eight years, potentially unlocking significant outperformance for international equities. With international stocks already outpacing the S&P 500 (21% vs 10% YTD) and U.S. markets trading at a premium (25x vs 17x forward earnings globally), the case for diversification beyond American borders grows compelling.The interplay between immigration and employment represents another crucial dynamic shaping our economic future. As immigration numbers decline from recent peaks, we're seeing complex ripple effects throughout the labor market. Immigrants typically contribute to approximately half of U.S. job growth, bringing both labor supply and consumer demand. This relationship adds another layer to consider when interpreting employment data and making investment decisions.Markets remain resilient despite these challenges, buoyed by expectations of Federal Reserve intervention. Investors are now pricing in a 67% chance of three rate cuts this year—a dramatic shift that's already impacting bond yields and creating opportunities in interest-rate sensitive sectors. Meanwhile, specific growth opportunities like InnoData (INOD) in the AI space show how targeted investments can thrive even in uncertain times.Ready to position your portfolio for what's coming rather than what's already happened? Consider how these shifting dynamics might impact your investment strategy, and whether your current allocations reflect where the financial puck is heading.** For informational and educational purposes only, not intended as investment advice. Views and opinions are subject to change without notice. For full disclosures, ADVs, and CRS Forms, please visit https://heroldlantern.com/disclosure **To learn about becoming a Herold & Lantern Investments valued client, please visit https://heroldlantern.com/wealth-advisory-contact-formFollow and Like Us on Youtube, Facebook, Twitter, and LinkedIn | @HeroldLantern

Every episode in the past 3 months has led to this.  VP shows you how he is positioning himself for the next 5 years, and why it is crucial you start looking at investing the same way.   Dollar Value Since 1900 -  https://www.in2013dollars.com/us/inflation/1900?amount=1   Recommended Crypto Trading Platform (And Bonus Eligibility) - https://nononsenseforex.com/cryptocurrencies/best-crypto-trading-platform/   For Decentralized Crypto Trading (US Citizens Can Join) - https://nononsenseforex.com/decentralized-trading-platform/   Blueberry Markets Blog (Top FX Broker) - https://nononsenseforex.com/uncategorized/blueberry-markets-review-my-top-broker-for-2019/   Follow VP on Twitter https://twitter.com/This_Is_VP4X   Check out my Forex trading material too! https://nononsenseforex.com/   The host of this podcast is not a licensed financial advisor, and nothing heard on this podcast should be taken as financial advice.  Do your own research and understand all financial decisions and the results therein are yours and yours alone.  The host is not responsible for the actions of their sponsors and/or affiliates.  Conversely, views expressed on this podcast are that of the host only and may not reflect the views of any companies mentioned. Trading Forex involves risk.  Losses can exceed deposits.

In this Independence Day episode, Monika draws a sharp line between “retirement” and “financial freedom.” Retirement, she says, is a finish line — an end to working life, often followed by leisure but sometimes shadowed by boredom and stagnation. Financial freedom, in contrast, is a launchpad — a state where money works for you, freeing you to work for purpose, passion, or not at all. It's about choice, not idleness; liberation from the compulsion to earn, not liberation from meaningful activity. True financial freedom allows you to engage in pursuits that may not fill your bank account but will fill your soul, keeping growth, learning, and purpose at the centre of life.She warns that perpetual idleness can quickly become a curse — much like a high-performance car wasting away in a garage. Our minds are wired for growth and engagement, whether through work, creative projects, or service. That's why even financially free people often choose to keep working. The goal, then, isn't to stop — it's to shed the “golden handcuffs” of survival-driven jobs and replace them with pursuits that bring meaning. Financial freedom gives the space to experiment, fail without fear, and live on one's own terms.In listener questions, Deepak Gupta asks if he should shift new investments from equity to debt and whether creating an HUF would be a good retirement tax strategy. Karan Rane from Baroda shares his 25-year plan to invest and eventually relocate abroad, seeking a macro investment strategy. And a professor in the UK wonders about buying health insurance in India now — both for his young family and his parents — ahead of a planned return in 5–7 years.Chapters:(00:00 – 00:00) Retirement vs Financial Freedom: Why the Difference Matters(00:00 – 00:00) Portfolio Allocation and the HUF Dilemma(00:00 – 00:00) Building Wealth for Relocation(00:00 – 00:00) Health Insurance Planning for NRIs Returning to IndiaIf you have financial questions that you'd like answers for, please email us at ⁠mailme@monikahalan.com⁠ Monika's book on basic money management⁠⁠https://www.monikahalan.com/lets-talk-money-english/⁠⁠Monika's book on mutual funds⁠https://www.monikahalan.com/lets-talk-mutual-funds/⁠Monika's workbook on recording your financial life⁠⁠https://www.monikahalan.com/lets-talk-legacy/⁠⁠Calculators⁠⁠https://investor.sebi.gov.in/calculators/index.html⁠⁠You can find Monika on her social media @monikahalan. Twitter ⁠⁠@MonikaHalan⁠⁠Instagram ⁠⁠@MonikaHalan⁠⁠Facebook ⁠⁠@MonikaHalan⁠⁠LinkedIn ⁠@MonikaHalan⁠Production House: ⁠www.inoutcreatives.com⁠Production Assistant:⁠ Anshika Gogoi

Connect with Onramp // Onramp Terminal // David ThayerThe Last Trade: a weekly, bitcoin-native podcast covering the intersection of bitcoin, tech, & finance on a macro scale. Hosted by Jackson Mikalic, Michael Tanguma, & Brian Cubellis. Join us as we dive into what bitcoin means for how individuals & institutions save, invest, & propagate their purchasing power through time. It's not just another asset...in the digital age, it's The Last Trade that investors will ever need to make.00:00 - Welcoming Back David Thayer09:30 - Bitcoin ETF and Institutional Adoption17:15 - Portfolio Allocation and Wealth Transfer24:14 - Market Dynamics and Economic Indicators29:13 - Concentration in Equity Markets34:30 - Liquidity and Monetary Policy Effects42:12 - Taxation and Economic Implications45:08 - Robinhood and Tokenization of Assets49:56 - Bitcoin as a Store of Value54:39 - The Future of Bitcoin Treasuries01:13:48 - Independence Day Reflections and Bitcoin's Role01:20:08 - Outro and DisclaimerPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

Crypto Expert & Investor and Fund Manager at TRU Capital gives a masterclass on the true purpose behind crypto and bitcoin and how it's going to shape the future of the economy and investing as we know it. We then react to the harshest critiques of crypto such as gold, real estate, stock market vs bitcoin, crypto is a scam, & more!Learn More About TRU Capital: https://www.trucapital.fund Check Out More Content from Robert: @RobertJMiller 00:00 Intro04:19 The Journey into Bitcoin and Digital Assets07:14 Understanding the Value Proposition of Cryptocurrency10:26 Comparing Digital Assets with Traditional Investments13:29 The Operational Efficiency of Bitcoin vs. Gold16:19 Investment Strategies and Portfolio Allocation in Crypto19:24 Navigating the Crypto Market: ETFs vs. Direct Ownership22:17 The Future of Tokenization and Alternative Assets25:11 The Role of Stablecoins in the Digital Economy28:23 Embracing the Digital Asset Revolution36:56 The Evolution of Financial Products39:36 Investment Strategies in Digital Assets41:15 Understanding Fund Structures and Liquidity43:54 Evaluating Digital Assets: Risks and Opportunities52:46 Navigating the Digital Asset Landscape57:35 The Impact of Political Climate on Crypto01:06:41 The Future of Digital Assets in the U.S.01:08:55 Critique of Cryptocurrency and Regulation01:10:48 Arguments Against Investing in Crypto01:18:01 Real Estate vs. Cryptocurrency01:25:36 Central Bank Digital Currencies and Liberty01:27:09 Final Thoughts on Digital Assets and Investment Strategies______________________________________________ Learn More About BetterWealth: https://betterwealth.com====================DISCLAIMER: https://bttr.ly/aapolicy*This video is for entertainment purposes only and is not financial or legal advice.Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.

On this week's episode: Finding calm in crazy markets. The hole in your retirement bucket you need to plug. Protecting against the high cost of long-term care. Do you really need $1.9 million saved to have a great retirement? Like this episode? Hit that Follow button and never miss an episode!

Is the stock market walking off a cliff and investors don't see it coming? Macro investor Kevin Muir, author of the MacroTourist Newsletter, joins Maggie Lake to break down why we've entered a new economic era—one where tariffs, trade deficits, and fiscal tightening could reshape markets in ways most investors aren't ready for.

In this week's episode of the Rich Habits Podcast, Robert Croak and Austin Hankwitz answer your questions!---Download our FREE Financial Planning Workbook for 2025!

In this interview, we talked with Barry Schwartz and Ernest Wong from Baskin Wealth Management on their investing philosophy and we cover a great variety of businesses. We discuss if you can quality invest in the energy sector, high multiple stock valuations, Costco vs Transdigm, how to rebase expectations, and differences in management of a fund versus seperately managed accounts, as well as much more! We hope you enjoy!  *~*~*~*~*  Get access to all of Speedwell Research's in-depth Research Reports here. If you need help getting Speedwell added as an approved research vendor for your investment firm, please reach out to info@speedwellresearch.com  -*-*-*-*-*-*-*-*-*-*- Show Notes (0:00) — Intro (0:51) —  Baskin Wealth Management and Investing in Great Companies (4:38) — Fund Structure versus Separately Managed Accounts (SMAs)  (12:12) — Where to Base Expecations?  (21:57) — Can you Quality Invest in Energy? (32:31) — How to Deal with Terminal Value, High Multiple Stocks  (39:08) — High ROIC companies with limited reinvestment runway (42:58) — Can you Overextract Consumer Surplus? Transdigm vs Costco (52:02) — Portfolio Allocation (55:17) — Mistakes and When Quality isn't Quality, Paypal circa 2021  (1:06:19) — What Makes a Terrible Investor? (1:11:49) — Conclusion -*-*-*-*-*-*-*-*-*-*- Become a Speedwell Member here to gain access to *all* of our in-depth research reports and more!   Sign up for Speedwell's free newsletter and weekly memos here *~*~*~*~*  Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. Please see our full disclaimers here:  https://speedwellresearch.com/disclaimer/

In this episode, Scott Becker discusses the challenges of maintaining portfolio allocation discipline during a strong market year.

In this episode, Scott Becker discusses the challenges of maintaining portfolio allocation discipline during a strong market year.

In this episode, Derek and European Dividend Growth Investor share how their portfolio allocation strategies have evolved over the years. They discuss their approaches to diversification, the impact of risk tolerance, and lessons learned from dividend investing. Topics Covered: Building a portfolio allocation strategy Diversification: How much is enough? The role of high-yield stocks and closed-end funds Listener questions on companies, strategies, and tools Companies mentioned:$HPQ, $HRL, $AAPL, $MSFT, $KO, $PEP, $CNR, $ENB, $AES, $LYB Chapters: 0:00 - Welcome and weekly updates4:30 - The evolution of portfolio allocation strategies12:00 - Balancing diversification with conviction20:45 - Listener questions: Capital recycling and holding winners35:10 - High-yield midstream companies and utilities45:00 - Tools, resources, and the role of fractional shares55:00 - Discussion on JEPI and similar ETFs Follow Us here:

In this episode we answer emails from Frank and Dan.  We discuss investment considerations in the 32% marginal bracket, reallocating a cash holding to bonds and alternatives and common withdrawal mechanisms for taking monthly distributions.Link:Father McKenna Center Donation Page:  Donate - Father McKenna CenterAmusing Unedited AI-Bot Summary:Ever pondered how to perfectly balance your portfolio in a high tax bracket? We promise you'll gain actionable insights from Frank, a generous donor and semi-retired investor navigating his complex asset allocation strategy. At 60 years old, Frank seeks our advice on his bond investments, with options like EDV, VGLT, and VGIT on the table. His financial journey becomes a fascinating case study as we unravel the best strategies for optimizing his diverse portfolio of stocks, gold, municipal bonds, and cash. Plus, we emphasize the importance of giving back, spotlighting our cherished cause, the Father McKenna Center.The episode takes a deeper dive into tax strategies tailored for substantial assets, providing listeners with the tools to maximize their retirement portfolios. Learn how retirement accounts like IRAs and solo 401(k)s can be leveraged to defer taxes, especially for those enjoying a higher tax bracket. We discuss the benefits of municipal bonds for tax efficiency and highlight the necessity of professional financial advice. Our focus remains on maintaining a balanced mix of investments to ensure growth and stability as you transition into retirement.Finally, we explore effective strategies for managing portfolio drawdowns and monthly distributions. We introduce Harold Avinsky's bucket strategy and its psychological benefits, drawing inspiration from financial expert Paul Merriman. As we wrap up, we encourage you to reflect on aligning with your personal values and the universe's natural flow, all while enjoying light-hearted exchanges that underscore these financial principles. Join us for an enlightening conversation designed to empower your financial planning journey.Support the show

Welcome to the Alfalfa Podcast

Clay Finck chats with Trey Lockerbie about how his investment strategy has changed with the everchanging macro landscape, how he analyzes the opportunity cost between individual stocks, what asset classes he invests in, how he became the host of TIP's flagship show, We Study Billionaires, how his kombucha company was able to get stocked at Target and Costco, how being an investor has made Trey a better businessman, and a whole lot more! Trey Lockerbie is the co-founder and CEO of Better Booch as well as the co-host of The Investor's Podcast's flagship show, We Study Billionaires. IN THIS EPISODE, YOU'LL LEARN 00:00 - Intro 01:50 - How Trey's investment strategy has changed with the everchanging macro landscape. 04:30 - How he analyzes the opportunity cost between two different individual stocks. 04:30 - What asset classes he invests in. 34:21 - What he'll be eyeing in the months ahead. 36:37 - How Trey became the host of We Study Billionaires. 51:48 - How his company was able to get stocked at Target and Costco. 53:53 - How being an investor has made Trey a better businessman. And much, much more! *Disclaimer: Slight timestamp discrepancies may occur due to podcast platform differences. BOOKS AND RESOURCES Join the exclusive TIP Mastermind Community to engage in meaningful stock investing discussions with Kyle and the other community members. Trey's company, Better Booch. Related episode: MI161: Building a Balanced Portfolio w/ Dan Rasmussen. Related episode: MI135: Bitcoin is for Millennials w/ Preston Pysh. Related episode: MI127: Life as a Podcast Host, Investing in FinTech, and Buying Rental Properties w/ Robert Leonard. Check out the books mentioned in the podcast here. Enjoy ad-free episodes when you subscribe to our Premium Feed. NEW TO THE SHOW? Follow our official social media accounts: X (Twitter) | LinkedIn | Instagram | Facebook | TikTok. Check out our Millennial Investing Starter Packs. Browse through all our episodes (complete with transcripts) here. Try Kyle's favorite tool for picking stock winners and managing our portfolios: TIP Finance. Enjoy exclusive perks from our favorite Apps and Services. Stay up-to-date on financial markets and investing strategies through our daily newsletter, We Study Markets. Learn how to better start, manage, and grow your business with the best business podcasts. SPONSORS Support our free podcast by supporting our sponsors: Range Rover Toyota Airbnb Found Public Facet Fundrise Airbnb NetSuite Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://theinvestorspodcastnetwork.supportingcast.fm

Welcome back to another episode of The Richer Geek Podcast. Dave Wolcott, founder of Pantheon Investments, returns to share insights on new investment opportunities, including private credit. Learn about alternative investments, tax optimization, and real estate strategies to grow your wealth. Don't miss this episode for expert advice and actionable strategies to achieve your financial goals.   In this episode, we're discussing... Portfolio Allocation is Key: Focus on a few key sectors and diversify within those sectors to reduce risk. Alternative Investment Strategies: Explore alternative asset classes like private credit, which offer high growth, are non-correlated to the stock market, and provide steady cash flow. Uncertainty Creates Opportunity: Don't be afraid of market uncertainty. Look for ways to use uncertainty to your advantage and create certainty in your financial future. Building Your Wealth Pyramid: Consider using Infinite Banking and whole life cash value policies as the foundation of your wealth pyramid. These strategies are non-correlated to the market, offer multiple benefits, and provide stability. Define Your Certainty Needs: Identify what financial certainty means to you (e.g., emergency fund, passive income) and develop strategies to achieve it.   Resources from Dave LinkedIn | Pantheon Investments | The Holistic Wealth Strategy   Resources from Mike and Nichole Gateway Private Equity Group |  REI Words |  Nic's guide

The Bitcoin price could ultimately surpass $700,000 per coin, based on an assumed 3% portfolio allocation, according to popular BTC analyst Willy Woo. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Wade and Alex answer listener questions about portfolio allocation in retirement. They discuss the impact of low yields on TIPS and how it affects a retiree's portfolio. They also explore the optimal allocation of assets in taxable, tax-deferred, and tax-avoided accounts. Additionally, they address the role of annuities in retirement income and how they can replace the bond portion of a portfolio. They emphasize the importance of tax diversification and asset location. Finally, they provide insights on investing in stocks and the different factors to consider, such as value, small-cap, and REITs.   Takeaways Low yields on TIPS impact a retiree's portfolio and may require a reassessment of risk and allocation. Tax diversification is important, but the exact percentages in each type of account are not as crucial as asset allocation and asset location. Annuities can play a significant role in retirement income by providing protected lifetime income and reducing reliance on other investments. When investing in stocks, it is important to capture market risk and consider factors such as value, small-cap, and REITs. Growth indices may not necessarily provide a premium over value stocks in the long term. Chapters 00:00 Introduction and Small Talk 02:45 Navigating Low Yields and Portfolio Allocation in Retirement 09:15 Optimal Allocation of Assets in Taxable, Tax-Deferred, and Tax-Avoided Accounts 25:58 The Importance of Tax Diversification and Asset Location 26:41 Investing in Stocks: Capturing Market Risk and Considering Factors   Links The Retirement Planning Guidebook: 2nd Edition has just been updated for 2024! Visit your preferred book retailer or simply click here to order your copy today: https://www.wadepfau.com/books/  This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Tune in as David Blanchett, CFA, shares insights on his latest research on investment horizons, serial correlation, and better retirement portfolios. David discusses the impact of time and inflation on optimal portfolio construction and makes a case for including commodities in portfolios. Listen now to learn more about his findings and insights into retirement planning strategies. Read the full paper here: https://cfainst.is/4eW9BTp.

“The trend is your friend … until it ends” When it comes to navigating fluctuating markets, knowing when to ride the wave and when to brace for its downturn can make all the difference. In this episode, acclaimed economist, former CIA analyst, investment expert and author Dr. Mark Skousen sits down with Robert Helms to unpack current trends in the markets and the broader economy. He'll also share what the pivotal economic indicator he developed is signaling now and tips for effectively structuring your portfolio for long term success. Lastly, we take a journey through the Tri-Cities, WA real estate market in today's Market Spotlight. Tune in, sit back, and enjoy the ride!

On this week's Money Matters, Scott and Pat discuss the latest technique fraudsters are using to trick investors. A retired teacher finds out why she should add some risk to her portfolio. A California caller wants to know whether he is in good shape to retire next year. A mother of two asks for guidance on how to ensure her wishes will be carried out once she passes. Finally, Scott and Pat advise a couple who has yet to dip into multiple income sources.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Today's guest is Ben Lapidus.   Ben Lapidus is the Chief Financial Officer for Spartan Investment Group LLC, where he has applied his finance and business development skills to construct from scratch a portfolio of over $500M assets under management, build the corporate finance backbone for the organization, and organize over $200M of debt capital from the firm. In addition to completing over 50 real estate transactions at and prior to Spartan, Ben is also the founder and host of the national Best Ever Real Estate Investing Conference and managing partner of Indigo Ownerships LLC.   Best Ever Conference Code Use code “INVEST” for $300 off any ticket type at https://www.besteverconference.com/   Show summary:  In this episode, Ben Lapidus joins Sam to discuss the nuances of the commercial real estate market, with a focus on self-storage and investment strategies. Lapidus shares his expertise on navigating the current market, the importance of robust business plans, and the challenges of finding attractive yields. They also talk about the Best Ever Real Estate Investing Conference, detailing how it adds value for passive investors and the innovative strategies used to attract them.    -------------------------------------------------------------- Self-Storage Market Insights (00:00:00)   Introduction and Background (00:00:37)   Current State of Self-Storage Market (00:02:03)   Investment Strategies and Passive Investors (00:03:34)   Conversion Deals and Opportunities (00:05:18)   Shift from Office to Self-Storage (00:06:00)   Interest Rates and Debt in Self-Storage (00:07:14)   Pricing Mechanism and Market Response (00:08:36)   Commercial Real Estate Market Overview (00:10:33)   Alternative Investments and Portfolio Allocation (00:11:57)   Best Ever Real Estate Investing Conference (00:13:46)   Strategies for Attracting Passive Investors (00:15:41)   Conference Organization and Team Management (00:18:28)   Closing Remarks and Special Discount (00:20:16)   Best Ever Conference (00:20:30)   Contact Information (00:20:50) -------------------------------------------------------------- Connect with Ben: Web: https://www.benlapidus.com/   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Ben Lapidus (00:00:00) - If your business plan can survive 2 or 3 years of negative leverage, because you can take a low enough IRR that you can store enough cash on the side, then it is a great time. If your business plan is overly aggressive or you're trying to seek a very high IRR at a at a velocity of capital deployment, that's unachievable, then now is a bad time to make an investment. You might want to wait 12 or 18 months to do so. Welcome to the How to Scale Commercial Real Estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:37) - For those of you that don't know Ben Lepidus, you need to know him. I've known Ben. Now. What? Man? What's been seven, eight years at this point? Yeah. About to go about that. I met you normally, Ben. I love to do a long winded introduction about how great the guest is. You are a great guest. I'm. It's my honor to have you on the show today, but before I give you my own introduction, I'd love for you maybe just to come on the show today and tell us a little bit about who you are, and then we'll get into it from there.   Ben Lapidus (00:01:03) - Yeah. I'm the founder and host of the best ever Real estate investing conference., not the brand, just the conference. And,, was a founding team member of Spartan Investment Group, which bought a half a billion assets under management in self-storage, recently retired, but have a long history of buying single family multifamily self-storage assets over the last 12 years., recently or prior to that,, was in the adtech space, learned a lot about big data, started a study abroad company Costa Rica., and have tried several other startups that failed. So I'm an entrepreneur at heart and can't wait to talk about whatever you want to talk about.   Sam Wilson (00:01:36) - Dude, that's that's a whole lot. I mean, my gosh, that's a lot of moving pieces there. Most recently you were like you mentioned a,, a partner there at Spartan Investment Group where you guys bought an absolute ton of self-storage. Why don't you just give us maybe a high level view recording this? What? Its end of February 2024, high level view of where self-storage is now and then maybe is what you see across the commercial real estate space as a whole.   Ben Lapidus (00:02:03) - Yeah. So self storage still has incredible fundamentals. When you look at the supply demand of self-storage, it's gone from 1 in 11 households to one in less than nine households are leveraging self-storage or consuming self-storage just over the last 5 or 6 years. That's an incredible shift in demand in a 5 or 6 year period simultaneously, construction costs,, going up, interest rates going up have made new supply difficult. So the fundamentals that drive storage is still in a very attractive asset class. That's on the consumption side on the on the,, the consumer side, on the investor side, investors have wised up to it. So it's become incredibly competitive. And the the spread between what you can get on the equity side versus what you can borrow on the debt side, has been radically compressed., and it now mirrors one of the major five food groups. You've got all of this office money, which was the largest component of commercial real estate coming out of office. And it's number one place to place it is self storage.   Ben Lapidus (00:02:59) - And that's just a lot of moving money. So from an investment perspective, the supply and demand,, isn't as attractive as it used to be. So I think what we're going to see over the next two years is do rates compress faster than cap rates?, and do the supply and demand economics on the consumer side kind of create a skyrocket effect of occupancy and rental rates such that it's attractive enough despite the competitiveness on the investment side?   Sam Wilson (00:03:23) - Wow. That's a that that that's an impressive,, impressive insight there. So yeah, I guess, you know, in short, is now a good time to to be investing in self-storage.   Ben Lapidus (00:03:34) - Now, there is never a bad time to be investing in self-storage. To be clear, it's recession resistant. It's always going to go up because of those supply demand economics. It's just is this the best time to generate the cash flow that you need to kind of cross the chasm if you're buying in a negative leverage environment. And so it's really about your business plan.   Ben Lapidus (00:03:54) - If your business plan can survive 2 or 3 years of negative leverage because you,, can take a low enough IRR that you can store enough cash on the side, then it is a great time. If your business plan is overly aggressive or you're trying to seek a very high IRR at a, at a velocity of capital deployment, that's unachievable, then now is a bad time to make an investment. You might want to wait 12 or 18 months to do so, right?   Sam Wilson (00:04:18) - Right. What about what about that conversation with investors like as in passive investors? How does that work when you're looking at deals that may be negative leverage? I mean, is that even a conversation that's being had?   Ben Lapidus (00:04:30) - It is. And that's because you just kind of find a different investor profile as the yield moves from kind of value add to more opportunistic, you have to find the investors who are willing to take the risk return ride with you at the end of the spectrum where those yields are achievable and attractive. If you're trying to get, you know, a 6% cash flow with a 14% IRR on an asset, that's 70% stabilized, that's been in existence for ten years with no expansion potential, that's going to be really tough.   Ben Lapidus (00:04:59) - But if you can find a conversion opportunity or the doughnut hole in a state that is booming with those supply demand,, economics working in your favor on the consumer side, then you can achieve those 20, 25, 30% IRR on a ground up development or conversion deal or an expansion.   Sam Wilson (00:05:15) - What do you say when you say conversion deal? What comes to mind?   Ben Lapidus (00:05:18) - Yeah, conversion is just taking,, a space that is not used for storage today and converting it for,, storage purposes. If you if you like, like a Macy's, a Kmart, a Shopko and just converting it into kind of like how urban air. I don't know if you've got urban air where you are, but I. Here in Colorado, there's an urban air chain, which is like an indoor like,, pre-teen park for trampolines and stuff. And they've just been converting, you know, grocery stores basically into,, urban air adventure parks. It's the same thing with storage.   Sam Wilson (00:05:51) - Same thing with storage. Be it office.   Sam Wilson (00:05:53) - , I know I'm a passive investor in an office to storage conversion project right now.   Ben Lapidus (00:05:58) - Hotel to storage? Yeah, all sorts of things.   Sam Wilson (00:06:00) - Which is wild because you're looking at this. They've they've converted it from,, office to storage and, and just like you're saying, the opportunity in this particular area was unbelievable. I mean, it's leasing up at like 30 or 40 units a month. I mean, it's just flying off the shelves as soon as they got their Co, which was,, kind of kind of crazy to see. So that opportunity exists. You mentioned the money that's coming out of office and going into storage. How are people even getting their money out of office? I mean, talk about something with negative leverage. What's that look like?   Ben Lapidus (00:06:31) - I mean, we're seeing,,, gosh, I'm gonna I'm gonna fail to come up with specific examples, but we're talking like, institutional level, like CRO holdings,, tremble., you know, bam capital, like those, those size of organizations,, dumping their office assets or dumping their office up co partners and selling them off, whether it's at pennies on the dollar or not.   Ben Lapidus (00:06:55) - And they are recalibrate or,,, rebalancing their portfolio to not reinvest that into office but say let's let's find alternative assets. Self-storage being the darling of the alternative asset space inside of commercial real estate.   Sam Wilson (00:07:08) - Got it. Very, very interesting. What's that look like on self-storage right now?   Ben Lapidus (00:07:14) - That is just as attractive in self-storage as it was anywhere else. And now that's a misnomer because nothing is attractive in debt., I just I use that to say it is just as attractive as any other lending rate outside of the agency world. So you're not going to ever beat, you know, government backed loans like you would get in housing. But outside of that,, you can get self-storage. Lending rates are akin, if not better than than office lending rates today, if not better than retail rates today., you can still find like, kind of the needle in a haystack. Sub six low 6%,, interest rate. Although the majority of what you are seeing on average, when you make those phone calls or high sevens, low eights, and then you're kind of getting to the riskier stuff of nine, ten and even double digits, you know, interest rates.   Sam Wilson (00:07:59) - Anybody doing long term fixed rate on that or is it all floating debt.   Ben Lapidus (00:08:03) - Oh, sure. Yeah. You can find long term fixed rate either, either by way of, you know, like doing shorter term or by doing a swap,, or some other derivative that, that, that creates that, that fixed rate despite starting with the floating rate product.   Sam Wilson (00:08:17) - Okay. Very very cool. Have we seen maybe you've answered this already and forgive me. I'm I'm,, I'm riding the short bus here today, but have you seen seller prices come up as interest rates have also climbed or not? Solid prices go down. Rather like have we seen that that sellers become more realistic or is it still.   Ben Lapidus (00:08:36) - Yeah. So? So I drove the acquisitions team and was very familiar with that up until about 7 or 8 months ago. So I've started to fall off of my, you know, a thumb on the, on the pulse of things. But we haven't seen the correction that you would assume,, with, with,, interest rates climbing.   Ben Lapidus (00:08:54) - So number one, we've only seen rental rates correct by 3% with all this inflation maneuver. And that is incremental street rates not in place rates. So revenue is still going up at self-storage consistently in the industry. And you look at the rate level reporting revenue still climbs quarter after quarter after quarter. The incremental customer rates might be decreasing. But you've got one month leases. You can you can do existing customer rate increases after providing that discounted rate almost immediately if you choose to. So we're still seeing rates increase. So it's an inflation hedge. So we haven't seen the pricing correction in response to the interest rates that you might assume. Because you've got investors coming out of longer term lease product like office like retail like industrial, for the purposes of hedging their inflation and going into short term lease product like self-storage, because they see the future potential of that inflation benefit. So yes, we we have seen pricing come down a little bit. But now instead of, you know, pricing to,, a 4.75% cap rate on a T3 or maybe pricing to a 6% cap rate on a year two pro forma.   Ben Lapidus (00:10:03) - So we're just we're seeing a different heuristic to kind of come to the same pricing or margin of error pricing as we were just a couple of years ago.   Sam Wilson (00:10:10) - Right? No, that's very, very interesting. Thank you for taking the time to give us kind of a brief snapshot on where the self-storage industry is today and kind of what's driving the pricing mechanism behind that. Certainly appreciate that. Let's hear what your thoughts are on the commercial real estate market as a whole. Like where is opportunity if that's still one that people are, you know, fighting tooth and nail over to get involved in? Where do you see opportunity today?   Ben Lapidus (00:10:33) - Yeah, I think commercial real estate just doesn't have the spreads that it did for the last decade. I mean, it was if you're listening to this podcast, you probably have a sentiment that there was a time where raising capital was on the easier side of the spectrum if you wouldn't just blatantly say easy. And that's because you could achieve like a yields an IRR just by consequence of of appreciation that was happening in commercial real estate in general.   Ben Lapidus (00:11:01) - , that appreciation has evaporated as a result of interest rates climbing., and maybe that appreciation will return if and when interest rates decrease. But for right now, you do not get the cash flow that you're you're used to getting after the last decade and a half, you do not get the appreciation that you're used to getting after the last decade and a half. So kind of commercial real estate wide, it's just not a very attractive time to be in commercial real estate relative to yields that you can get in other places. And, you know, modern portfolio theory suggests that up to 30, 35% of somebody's portfolio should be an alternative assets, with real estate being the largest segment of it. About 9 or 10% of the average portfolio contains real estate. So there's a long way to go for alternative assets to kind of climb to 35% to get to that modern portfolio theory number. But there's a lot of other segments of alternative assets like precious metals, operating businesses, secondaries,, private equities that have not been tapped into nearly as much.   Ben Lapidus (00:11:57) - And I think that those yields are more attractive today than what commercial real estate offers. And that's and that's probably going to be for the next 18 months at least.   Sam Wilson (00:12:05) - Well, yeah, absolutely. And I'm I'm testament to that. I mean that's what we're investing in right now is operating business simply because it is inflation resistant. It's recession resistant, like it's it's stuff that spins off cash flow at rates that commercial real estate just simply can't. And that's like.   Ben Lapidus (00:12:22) - I'm more interested in the activity of how the space is being used right, right now than the than the value of the space itself. Right. As an investor mindset. Right?   Sam Wilson (00:12:33) - Right. Yeah, absolutely. That makes a heck of a lot of sense. So you've got you've been through,, you know, all of this here with with Spartan here up until, you know, seven, eight months ago. And what do you do with your time now, like when you talk about these things and you think about, okay, alternative investments, operating businesses, what what are people doing with the space? Like what piqued your interest today?   Ben Lapidus (00:12:51) - Yeah.   Ben Lapidus (00:12:51) - And the way that I found my way to,, the partnership at Spartan was through the Best Ever conference, which I founded with Joe Fairless the year before, joining up with with the guys at Spartan Investment Group. And,, that that conference has been a North Star for me because I've been building it to service me as an avatar consumer of the conference. Who do I want to learn from? Who do I want to meet? Who do I want to be surrounded by? And let's just kind of create all of the details of this conference to attract those people, those speakers, those sponsors, those attendees. And, and I don't I don't know if you've seen that consistently year over year, Sam, but you were there at the first year. Every single speaker that I picked was somebody that I wanted to hear what they had to say personally, like myself. And that's still the case today. We don't have anything to sell at the. Conference. We just want to create a community of like minded people who are intelligent, are having a good time, and want to collaborate with each other to get more out of their businesses and out of their lives.   Ben Lapidus (00:13:46) - , and so that's that's the premise of the conference today. And,, I'm just kind of using the small amount of free time that I have,, after prioritizing my family and my kids, which is the major shift that I made this year into growing and improving the quality of that conference., and so a lot of our effort this year, with the conference coming up in April, April 9th, ten, 11 and 12, in Salt Lake City, is to focus more on the needs of the the passive investor. So as our conference has grown, we've attracted a lot of participants on the syndication side of the house, the operator side of the house, the people who have their their fingernails dirty with the real estate. But the passive investor hasn't had as much,,, emphasis at the best ever conference. So we've built a deal list site that we're going to be launching next week that allows all of the passive investors who are going to be in attendance to review all of our pitch slam competitors and all of our syndication sponsors deals in advance.   Ben Lapidus (00:14:45) - We're going to have a scheduling feature where you can, without walking around the conference and being cultured upon. You can establish one on one sessions with the syndicators that you want to get to know, like, and trust before putting your money in. It is the number one place to show up and look in the eyes. Hundreds of potential,, companies to invest your money into, and not just in commercial real estate, but into a growing number of private placement,, opportunities. And so that's that's really our focus for growth this year is just making the conference useful and desirable for the passive investor, which then, of course, makes it more useful and desirable for the syndicator, who's looking to join forces with those passive investors in growing their portfolio.   Sam Wilson (00:15:27) - That's really cool, I like that. What what have been some strategies that you've implemented to bring in that more passive investor? The people like how how do you draw in that ideal clients? The wrong word attendee how do you do that?   Ben Lapidus (00:15:41) - Yeah. So I think the experiments that we've done in the last couple of years are, number one, you know, three years ago we tried out this pitch slam.   Ben Lapidus (00:15:48) - It's kind of like a TechCrunch disrupt where,, a panel of judges decides on who has the best deal of the year. And the first two years was,, kind of pay to play, and it wasn't a very good situation. But last year was the participation by merit. And you were actually a brick and was one of 12 finalists,, put up on stage. And that got to compete for prize money of $600,000 by actual investors who are on stage. And so we're going to be repeating that this year. We had over 80 applicants this year,, and we have 12 finalists selected for the stage. So that's number one. Number two, we've been trying to partner with investor communities like IDC, intelligent investors, real estate community last year, left field investors this year,, long Angle is another great investor community that we're going to be highlighting on our stage this year., 506 group is,, you know, Mark Robertson, somebody that we've highlighted on our stage before. So trying to partner with investor communities, number three is building that directory so that you can in the comfort of your home, review and plan for your time so that you're not just kind of showing up and hoping that something good happens, but rather you're reviewing materials and saying, I actually have an interest in this.   Ben Lapidus (00:16:50) - I have an interest in a laundromat fund or a Texas vineyard fund. Let me,, or neighborhood retail fund that only buys nine caps or a hotel conversion,, into a bed and breakfast fund or something like that. Right. We've got all of these disparate, kind of nuanced data center style, as well as the traditional multifamily retail office opportunities that you could review. But looking at them in advance and determining, I want to interact with these people,, from the site, that's a new feature, as well as the scheduling one on one feature where you can kind of come up with your agenda as a passive investor in advance. And we've got a speed networking session that we've never had before that only qualified, excuse me, accredited investors are allowed to participate in with prevented sponsors who are,, either on our pitch slam stage or,, sponsoring the event so that you can have kind of five minute curated,, one on one rapid fire conversations. So those are some of the features that we're adding to the experience this year.   Sam Wilson (00:17:45) - Dude, that's really cool I love that. And yeah, I've been,, coming to the conference since 2017. And it's been it's always proved incredibly valuable. So if you're listening to this and you've not been to the Best Ever conference, go check it out. It,, is definitely worth your time. You'll get way more out of it than you put in., so yeah, that's,, that's my plug. My shameless plug as well, for the best ever conference I have. I have benefited from that, Sam. Absolutely, man. It's been a blast, dog. Well, you know, it's fun, man. It's kind of like homecoming. Like you go back and see all your friends. You're like, hey, man, what's up? I missed everybody, it's been an entire year. I can't believe it. But you also have, you know, have created an environment where meaningful relationships, relationships. So if I could speak today are formed. So that's,, that's very, very cool.   Sam Wilson (00:18:28) - On the technical side of that, I look at that conference, Ben and I just kind of go, my gosh, like, this is a ton of. Work. How? How have you organized your team, your people, and your time to pull off something of that magnitude? Because honestly, I look at it from the outside and it seems like you've done it pretty effortlessly.   Ben Lapidus (00:18:49) - But I appreciate that. I, you know, the first 4 or 5 years did all myself on top of growing Spartan at the same time., and, you know, we were just starting to have kids then, so it was a little bit easier to do the multitasking, right?, but around your 4 or 5, I got, I got burnt out, you know, we were we had scaled it from, I think the first year we had 170 people. By year 4 or 5, we were at like 800 people. Now we're this year, it's probably not going to grow just because of the challenging macro environment and people having surplus budgets for marketing and travel, what have you.   Ben Lapidus (00:19:19) - But we'll have over a thousand still., and around that year I said, you know what? I, we just gotta have to hire some people. And so we've built a team, and now they're in their third year of doing this conference together. And so they've, they've just got a great rapport with each other and are capable of seeing the bigger picture that's being put in front of them, the strategic plan that's being put in front of them and executing on that. So I'm I'm very fortunate to be in a position where I only spend about an hour or two a week on that conference up until maybe a week beforehand. And I can I can use all of my extra mental load to be creative with. How can we improve the experience and offer more value to everybody participating?   Sam Wilson (00:20:00) - That's really cool, Ben. I've enjoyed our conversation today. As always, it's a pleasure to get to chat with you. I always feel smarter,, after those engagements, so appreciate you taking the time to come on the show today.   Sam Wilson (00:20:11) - Is there anything else you want to cover here on the show? Before we wrap this up? It's just burning a hole in your mind.   Ben Lapidus (00:20:16) - Yeah, I think we're going to have a special discount,, for your audience, so I don't know what it is, but I don't know if you know what it is, but we're gonna have a special discount for your audience that you can put in the show notes, and you can check us out at Best Ever conference.com, and I hope to see everyone there.   Sam Wilson (00:20:30) - Best ever ecommerce.com. Yeah, check that out. I will get that special discount for our listeners to the how to scale commercial real estate podcast. Put there in the show notes. You'll have to find the episode on our website in order to find that discount, but it'll be there and I hope to see you all at the Best Ever conference as well. So, Ben, thank you again. If our listeners want to get in touch with you and learn more about you, what's the best way to do that?   Ben Lapidus (00:20:50) - Yeah, you can reach me at Ben at Best Ever Conference.   Sam Wilson (00:20:55) - Fantastic. Thanks again, Ben. Great to see you. Have a great rest. Your day.   Ben Lapidus (00:20:58) - All right. Thanks, Sam.   Sam Wilson (00:20:59) - Hey, thanks for listening to the how to Scale Commercial Real Estate podcast. If you can do me a favor and subscribe and leave us a review on Apple Podcasts, Spotify, Google Podcasts, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.

On this week's Money Matters, Scott and Pat explain where you can go to find out whether a financial advisor is legit. A caller with three adopted grandchildren asks whether his wife's Social Security benefit can replace death benefits the grandchildren are currently receiving. A retiree from Texas wants to know whether his portfolio has too much cash in it. Finally, Scott and Pat explain the advantages of wash sales, and help a caller decide whether to invest in bond funds.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Bitcoin ETFs are one of the most anticipated and debated developments in the crypto space. What are the implications for the market, the economy, and crypto's future? In this episode, Ryan Detrick, Chief Market Strategist at Carson Group & Sonu Varghese, VP, Global Macro Strategist at Carson Group, speak with Matthew Hougan, Chief Investment Officer at Bitwise Asset Management about the impact of Bitcoin ETFs on the market, offering a new investment avenue. They explore Bitcoin's role as an asset class or currency within traditional portfolios. Ryan and Sonu also cover the CPI data, its implications for inflation, and market expectations.Listen to the episode to learn about:The Consumer Price Index (CPI) dataThe stock market's performance, historical seasonality, and the likelihood of a market pullbackThe increase in household net worth and credit card debt, highlighting the overall financial situation of consumersThe significance of Bitcoin ETF approval and its impact on financial advisors and investorsFund flows from GBTC to new Bitcoin ETFsAdding Bitcoin to portfolios, its historical returns, volatility, and the potential benefits for investorsThe likelihood of Ethereum ETFsShort-term and long-term drivers of Bitcoin's valueAnd more!Resources:Any questions about the show? Send it to us! We'd love to hear from you! factsvsfeelings@carsongroup.com Connect with Matthew Hougan: LinkedIn: Matthew HouganX: Matt Hougan Bitwise Asset ManagementConnect with Ryan Detrick: LinkedIn: Ryan DetrickConnect with Sonu Varghese: LinkedIn: Sonu VargheseAbout Our Guest:Matt Hougan is a well-known expert in the fields of cryptocurrency, ETFs, and financial technology. He currently serves as the Chief Investment Officer at Bitwise Asset Management, which is the world's largest provider of cryptocurrency index funds and manages over $1.5 billion in assets.Before this, he was the CEO of ETF.com and Inside ETFs. During his tenure, he played a key role in developing the world's first ETF data and analytics system, the most popular ETF media platform, and the world's largest ETF conference.Matt serves as a board member for Equbot and is also a strategic advisor to several startups related to cryptocurrency and financial advising, such as Blockworks, Stratifi, and Exchange. He co-founded Advisor Circle, which is a product and content studio for the financial industry and also created the Futureproof Wealth Festival.

On this week's Money Matters, Scott and Pat help a caller decide whether to contribute money to a Roth account. A man who will retire next month asks whether his portfolio is allocated properly. An Oregon woman diagnosed with stage 4 cancer wants to know where to invest $800,000 she says she received from a medical malpractice settlement. Finally, Scott and Pat advise a Minnesota doctor who has an extra $85,000 to invest each year.   Join Money Matters:  Get your most pressing financial questions answered by Allworth's CEOs Scott Hanson and Pat McClain live on-air! Call 833-99-WORTH. Or ask a question by clicking here.  You can also be on the air by emailing Scott and Pat at questions@moneymatters.com. Download and rate our podcast here.

Cathie wood and Ophelia Snyder join us today, their two companies are at the top of the list for ETF approvals slated for early next year. Is trad-fi excited? Are we underestimating the scale of this? Will Ethereum ever get an ETF? All these answered and more. ------ ✨ DEBRIEF | Ryan & David unpacking the episode: https://www.bankless.com/debrief-cathie-wood  -----