Podcasts about rebalance

Your eyes might be revealing metabolic disease long before your doctor catches it in bloodwork — and most people have no idea. In this episode, Dr. Vera Tarman sits down with Dr. Radka Toms, ophthalmologist, functional medicine practitioner, and founder of My Sugar Stop, to explore the fascinating and largely unknown connection between sugar, gut health, and your vision. Dr. Toms shares her own story — from a "hardcore conventional doctor" eating chocolate bars for lunch to developing rosacea and insulin resistance and eventually pioneering the field of nutritional ophthalmology. What You'll Learn:

Get your customized planning started by scheduling a no-cost discovery call: http://bit.ly/calltruewealth   Many investors have highly appreciated stocks and ETFs they would like to diversify, simplify, or replace, but selling those investments can create a significant capital gains tax bill. In this episode, Tyler Emrick, CFA®, CFP®, discusses the 351 Exchange Strategy, a little-known tax-efficient planning opportunity that may allow investors to exchange appreciated stocks and ETFs into a diversified ETF without first selling and realizing capital gains taxes. Tyler covers: What a 351 Exchange is and how it works The difference between a 351 Exchange and a traditional exchange fund Rules investors must satisfy before qualifying Which assets qualify and which assets do not ETF eligibility requirements How highly appreciated ETF portfolios may be consolidated into a diversified ETF How concentrated stock positions may fit into a 351 Exchange strategy The potential benefits of reducing concentration risk without immediately triggering capital gains taxes How 351 Exchanges compare to tax-aware long-short strategies and other tax-efficient diversification techniques Have questions? Need help making sure your investments and retirement plan are on track? Click to schedule a free 20-minute call with one of True Wealth's CFP® Professionals. http://bit.ly/calltruewealth   Our website:  https://www.truewealthdesign.com/  Phone: 855.TWD.PLAN Contact our team: https://www.truewealthdesign.com/contact-a-financial-advisor/  Schedule your no-cost discovery call: http://bit.ly/calltruewealth  Check out our other no-cost financial resources here: https://www.truewealthdesign.com/financial-resources/  Watch the show now on YouTube: https://www.youtube.com/channel/UCjENBHOti-IEJFqeydZm_Fg?sub_confirmation=1

Alternate nostril breathing or Nadi Shodhana is breathing technique from yoga that promotes relaxation, clarity, and stress relief. It involves inhaling and exhaling through one nostril at a time, alternating sides, and can benefit the cardiovascular, respiratory, and nervous systems. It aids in lowering blood pressure, improving heart rate variability, enhancing lung function, and activating the parasympathetic nervous system. Mentally, it calms the mind, reduces anxiety, and improves focus. Spiritually, it balances the body's energy channels (nadis), promoting deep states of consciousness and transformation. Practiced correctly, it can lead to a calmer, clearer mind and better sleep.Sound mixing by the fabulous Eric Fischer.Support the showHost: Tess CallahanSubstack: Writers at the WellInterview Podcast: Writers at the WellMeditations on Insight TimerMeditations on YouTubeTess's novels: https://tesscallahan.com/Music (unless otherwise noted above): Christopher Lloyd ClarkAudio Editing: Eric FischerBy tapping "like" and "follow" you help others find the show. Thank you for listening!DISCLAIMER: Meditation is not a substitute for professional psychological or medical healthcare or therapy. We do not accept any liability for any loss or damage incurred by you acting or not acting as a result of listening to this recording. Use the material provided at your own risk. Do not drive or operate dangerous equipment while listening. The views expressed in this podcast may not be those of the host or the management.

This week I sat down with Kirsty Willman, CFO & COO of Rebalance Earth to ask Why Should Real Estate Investors Care About Nature? Kirsty spent 22 years in private markets finance, most recently as COO of Real Estate at Federated Hermes. She walked away from that to back a £100 billion market that nobody has properly built yet. Her view is straightforward. Flood risk is becoming impossible to insure away. Coastal erosion is outpacing the defences built to stop it. Urban temperatures are rising fast enough to change where people actually want to be. Most real estate portfolios have not started pricing any of this. We got into how Rebalance Earth finances nature restoration projects, how the returns work through service contracts, carbon credits and biodiversity net gain, and what 4 million oysters off the coast of Norfolk have to do with coastal property and offshore wind. This is not a vanilla ESG conversation; it is a conversation about portfolio risk and why you really should care about nature before it is to late. Drop your thoughts in the comments. The People Property Place Podcast is powered by Rockbourne, recruiting leadership talent for real estate funds, owners, investors, and developers. Key Topics ✅ Why Nature Loss Is Now a Real Estate Balance Sheet Risk Not an ESG Talking Point ✅ How Rebalance Earth Underwrites Nature Restoration Like Any Other Private Markets Asset ✅ Flood Risk, Coastal Erosion and Urban Heat. The Risks Most Portfolios Have Not Priced ✅ Why Kirsty Left a Senior COO Role to Back a £100 Billion Market Nobody Has Built Yet ✅ The Revenue Model Behind Nature Based Investing and Why It Works for Institutional Capital The People Property Place Podcast is powered by Rockbourne, recruiting leadership talent for real estate funds, owners, investors, and developers.

What is likely to work in investing? According to Colin, it's the advice nobody gets excited about.Stay diversified. Rebalance consistently. Cut your tax bill. Understand your own behavioural blind spots. None of it is glamorous, but the data generally backs it up.Colin and Greg get into all of it on this episode of The Free Lunch Podcast, including why "which stock should I buy" may be the wrong question.

In this episode, Confluence reviews the Asset Allocation rebalance for the second quarter of 2026, featuring a brief economic analysis and insights on asset class and security selection for the firm's Asset Allocation portfolios. Joining the podcast to recap the rationale for this quarter's changes is Kaisa Stucke, analyst and chair of the Asset Allocation Committee's quarterly investment meetings.

He survived explosions, gunfire, and Afghanistan. But the hardest battle happened inside his own brain. Now he's trying to change PTSD treatment forever.Episode 112 of The Wild Chaos Podcast features Brenden Borrowman, a Purple Heart Army veteran who survived explosions and gunfire in Afghanistan — then spent years fighting the invisible injuries that followed.To watch this episode in studio, visit: https://youtu.be/if1KpSl1xy0After severe traumatic brain injury, organ damage, and years inside a Warrior Transition Battalion, Brenden became obsessed with one question:What if PTSD is more physical than people realize?This conversation dives into the science behind trauma, TBI, addiction, and suicide prevention. Brenden explains how brain blood flow, oxygen use, and the limbic system may keep people trapped in fight-or-flight mode long after combat ends.We discuss:• PTSD and traumatic brain injury (TBI)• Veteran suicide prevention• Why some people struggle with traditional therapy• Addiction relapse and nervous system dysfunction• Brain physiology and trauma recovery• VR-based neuroimmersive therapy• Neurova Labs and cognitive rehabilitation• First responder and veteran mental healthWe also break down the cutting-edge work Brendan and his team are doing with Neurova Labs, using cardio, cognitive load, and VR-based training to help retrain the brain and improve emotional regulation.If you know someone struggling with PTSD, TBI symptoms, burnout, addiction, or suicidal thoughts, this conversation could change how you understand trauma and healing.Check out Brenden and follow along on his journey on Instagram @borrowmanneuro or visit https://www.neurovalabs.com/ or check them out on Instagram at ‪@NeurovaLabs‬

Peter Greenberg — owner of City Tire Co., a business operating since 1927 with a long-standing presence in retail, commercial, and retread segments. With decades of industry experience, he brings a strong perspective on vendor relationships, buying group strategy, and the operational decisions shaping how independent tire dealers compete today.David Zeller — owner of Zeller Tire & Auto Center, a multi-location operation established in 1952. His experience centers on integrating tire sales with automotive service, refining internal systems, and driving profitability for independent tire dealers in an increasingly competitive market.Bob Amenta — President of Modern Tire, where he oversees a service-focused operation that complements tire sales with long-term maintenance and repair. His approach emphasizes operational structure, customer retention, and sustainable growth within the independent tire dealers segment.EPISODE SPONSORThis episode of the Gain Traction Podcast is sponsored by Cosmo Tires. Cosmo Tires offers a wide range of tire solutions designed for durability, reliability, and performance across multiple vehicle segments. Learn more at https://www.cosmotires.comIn this episode…Independent tire dealers are losing margin in plain sight, and the root cause sits inside their own operations. Pricing no longer defines competitiveness. Buying power, service integration, and internal alignment now determine who grows and who gets left behind.Peter Greenberg, David Zeller, and Bob Amenta expose a shift that many operators still overlook. Running a shop in isolation limits leverage with vendors, restricts access to best practices, and slows down operational evolution. Their collaboration through Tire Team Partners reveals a model where shared intelligence and complementary strengths unlock both cost advantages and revenue growth.The pressure from consolidation and rising customer expectations continues to intensify. Shops that fail to modernize purchasing strategies and service mix face shrinking margins and weaker retention. Growth now depends on executing both sides of the business; tires and service, with precision, while building systems that scale beyond a single location mindset.Here's a glimpse of what you'll learn: [01:10] Overview of panel guests and their operations[01:54] Formation of Tire Team Partners and collaboration model[05:39] Strategic importance of balancing tire sales and service revenue[07:23] Role of advisor recommendations in tire purchasing decisions[08:08] Impact of internet-informed customers on the sales process[10:13] Guest backgrounds and industry experience[11:01] Leadership perspectives and operational philosophies[15:09] Business outlook and collaboration strategy for 2026[17:16] Leveraging buying power to improve pricing and margins[19:44] Future direction and potential expansion of Tire Team PartnersResources mentioned in this episode:Peter Greenberg on LinkedInCity Tire Co. WebsiteDavid Zeller on LinkedInZeller Tire & Auto CenterModern TireTread PartnersGain Traction Podcast on YouTubeGain Traction Podcast WebsiteMike Edge on LinkedInQuotable Moments:“70% are going on the recommendation of the advisor.”“The real diamond in the rough is doing both—tires and service—and doing both well.”“The price largely is determined by the market, not by my cost.”“We have to control our own destiny.”“Small tweaks can turn out to be incredibly profitable over the course of 12 or 24 months.”Action Steps:Audit purchasing strategy and consolidate vendor relationships to increase leverage and reduce cost per unit.Rebalance operations to ensure tire sales consistently drive service opportunities and long-term customer retention.Build peer-level partnerships or join collaborative groups to access shared best practices and scale advantages.Standardize internal processes across locations to eliminate inefficiencies and improve profitability at scale.Implement a dual-focus growth plan that strengthens both service operations and tire volume to position independent tire dealers for sustained expansion.

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Robert Gardner has built four ventures in financial services,  including Redington, the UK investment consultancy that's advised on £800B+ in assets.Now he's taking on a new category: Natural Capital.Because nature has always been “investable”, just usually as a commodity.The old way looks like squeezing every ounce of value out of the Earth without any regard for long-term consequences. The playbook was essentially cut it down, harvest it, extract the value, and move on. Robert thinks that model is outdated, and he's building the alternative, making nature an investible asset class (more like real estate or infrastructure), where the value comes from what nature does, not what you can take from it.In this episode, Stacy Havener sits down with Robert to get concrete about what investing in nature looks like in the real world.Listen in to hear:What changes when you're not raising money for a strategy… but for a new asset classHow Robert translates Natural Capital into familiar investing language (property/infrastructure)A real case study (Nestlé + oyster reefs) and the incentive chain behind itWhat underwriting looks like when your revenue is tied to nature doing its jobWhy legitimacy comes from repetition + simplicity (not complexity)The early-stage trust-building lesson every emerging fund manager needsMore about Rob Gardner:Robert is Co-Founder & CEO of Rebalance Earth, the UK's largest dedicated Natural Capital asset manager. He previously served as Investment Director at St. James's Place and co-founded Redington, Mallowstreet, and RedSTART. His work is focused on making nature an investible asset class and proving finance can be a force for good. ---Running a fund is hard enough.Ops shouldn't be.Meet the team that makes it easier. | billiondollarbackstory.com/ultimus- - -Thinking about expanding your investor base beyond the US? Not sure where to start? Take our quick quiz to find out if your firm is ready to go global and get all the info at billiondollarbackstory.com/gemcap

Leadership sounds simple until you realise it is full of tensions. The real work is not choosing one side and ignoring the other; it is learning how to hold competing truths at the same time. Great leaders need process and freedom, accountability and experimentation, personal output and people development. That balancing act is what separates a manager who maintains the machine from a leader who builds a stronger future.  Why is leadership often a battle between conformity and innovation? Leadership is often a tug-of-war between following the rules and breaking from them when change is needed.Strong organisations need compliance, quality standards, regulatory discipline, and reliable systems, but they also need fresh thinking, experimentation, and the courage to question what no longer works. This tension shows up everywhere. In heavily regulated sectors like finance, healthcare, and aviation, process discipline keeps people safe and protects the brand. Yet in fast-moving sectors like software, professional services, and start-ups, rigid conformity can kill initiative and make a company slow. In Japan, where consistency and risk control are often highly valued, leaders may lean towards operational harmony; in the US, leaders are often rewarded for speed and disruption. Neither extreme wins for long. The best leaders know when to preserve standards and when to invite shoshin, the beginner's mind, to reimagine the way work gets done. Do now: Audit one team process this week. Keep the parts that protect quality and remove the parts that only protect habit. Why do so many new leaders default to maintaining the status quo? Many new leaders protect the status quo because that is exactly how they earned promotion in the first place. They were trusted, dependable, productive, and good at meeting expectations, so their instinct is to keep the system stable rather than disturb it. That is understandable, but it creates a trap. A newly promoted leader often inherits a team and feels pressure not to fail. The safest path seems to be preserving routines, checking compliance, and avoiding unnecessary risk. Large corporations, government bodies, and multinationals can unintentionally reinforce this mindset through layers of approvals, KPIs, and standard operating procedures. The danger is that yesterday's success formula becomes tomorrow's limitation. Competitors are rarely standing still. While one team is preserving efficiency, another is building capability, trying new methods, and preparing for the next shift in customer expectations, technology, or talent needs. Do now: Identify one area where you are protecting stability out of fear rather than strategy, and test a small improvement instead of a major overhaul. What do more effective leaders do differently with their teams? Better leaders use leverage: they help their people succeed instead of trying to do everything themselves. They delegate meaningful work, treat mistakes as learning moments, and create an environment where team members grow rather than just comply. This is where leadership becomes developmental, not just operational. Delegation fails when people feel dumped on, but it works when the task is tied to growth, trust, and visible support. High-performing leaders at firms like Toyota, Microsoft, or Rakuten do not only measure output; they also build capability. They understand that coaching, feedback, and stretch assignments are not "nice to have" extras. They are how future performance gets created. Start-ups often grasp this faster because they have no choice; they must scale through people. Bigger firms can miss it because managers stay buried in their own workload. The real leverage comes when the boss stops being the bottleneck. Do now: Delegate one important task that develops someone's judgement, not just their admin skills, and coach them before, during, and after the handover. Why do player-managers struggle to coach their people? Player-managers struggle because doing the work feels urgent, while coaching others feels important but easier to postpone. The result is a constant cycle of personal busyness that weakens team capability over time. This is the classic leadership contradiction. Many managers still carry clients, projects, sales targets, or technical responsibilities while also leading a team. In SMEs, consultancies, and B2B service businesses, this is especially common. The manager thinks, "I'll coach later once I clear my own workload," but later never arrives. The problem is cumulative. Every hour spent rescuing, redoing, or personally handling key tasks may solve today's pressure while making tomorrow harder. It is the blunt-axe problem: staying busy with execution instead of sharpening the team's ability. Research on managerial effectiveness has long shown that organisations gain more when leaders multiply capability than when they heroically carry the load alone. Do now: Block recurring coaching time in your calendar and protect it with the same seriousness you give to client meetings or reporting deadlines. How much freedom should leaders allow for experimentation? Leaders should allow enough freedom for learning, but not so much that quality, safety, or accountability collapse.Innovation needs room to move, yet the organisation still has to deliver on time, on budget, and at the required standard. This is not a philosophical question; it is a design question. Where can people experiment safely? Which processes are fixed, and which are flexible? In manufacturing, errors in safety procedures can be catastrophic, so experimentation must be tightly bounded. In marketing, sales, product design, or internal workflow improvement, leaders can usually allow more freedom. The smartest leaders define the guardrails clearly: what outcome matters, what constraints are non-negotiable, what level of risk is acceptable, and how learning will be reviewed. Mixed messages happen when leaders say "be innovative" but punish every imperfect first attempt. Teams then retreat into caution and wait for permission instead of using initiative. Do now: Set explicit innovation boundaries for your team: where they must follow the script, where they can improve it, and how lessons will be shared. What is the real balance leaders need to master? The central balance in leadership is people versus process, and leading versus doing. Mastering leadership means managing both tensions at once without drifting into rigid control or chaotic freedom. That balance is what makes leadership difficult and valuable. Process matters because customers, regulators, and colleagues rely on consistency. People matter because all growth, adaptation, and resilience come through human judgement and effort. Doing matters because leaders need credibility and commercial awareness. Leading matters because teams cannot scale through one person's output forever. Across Japan, Australia, the US, and Europe, the best leaders are not those who eliminate tension; they are those who navigate it consciously. They know the team needs clarity, but not suffocation. They know culture needs discipline, but not stagnation. Above all, they are aware that every day they are signalling what matters most. Do now: Review your week through two lenses: how much time went into process and output, and how much went into people and leadership. Rebalance before the pattern hardens. Conclusion Leadership is not a choice between opposites. It is the ability to hold opposites in productive tension. You need enough structure to keep performance reliable and enough freedom to keep improvement alive. You need enough personal contribution to stay credible and enough coaching to make the team stronger without you. The leaders who succeed are not simply the hardest workers or the most imaginative thinkers. They are the ones who recognise these competing perspectives and deliberately manage the balance. Author bio Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie One Carnegie Award in 2018 and 2021, and the recipient of the Griffith University Business School Outstanding Alumnus Award in 2012. As a Dale Carnegie Master Trainer, he delivers leadership, communication, sales, and presentation programmes globally, including Leadership Training for Results. He is the author of several books, including the best-sellers Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery, as well as Japan Leadership Mastery and How to Stop Wasting Money on Training. His work has also been published in Japanese, including Za Eigyō, Purezen no Tatsujin, Torēningu de Okane o Muda ni Suru no wa Yamemashō, and Gendaiban "Hito o Ugokasu" Rīdā. Greg also publishes daily business insights on LinkedIn, Facebook, and Twitter, and hosts six weekly podcasts. On YouTube, he presents The Cutting Edge Japan Business Show, Japan Business Mastery, and Japan's Top Business Interviews, followed by executives seeking practical strategies for succeeding in Japan. 

The Iran War, which began on February 28, 2026, is impacting global markets and I'm pretty sure it's having an effect on your portfolio too. Over the past month, the S&P 500 has dropped about 6%, largely due to surging oil prices. With crude oil climbing as high as $100 a barrel and lingering uncertainty around the conflict's resolution, volatility is weighing heavily on retirement investments.  We'll explore the implications for investors, discuss historical parallels with previous market shocks, and offer practical tips to navigate the fallout—whether you're looking to rebalance, automate your contributions, or take advantage of tax-loss selling. Stay tuned as I break down actionable strategies to manage your portfolio through these turbulent times, and hear why it's important to avoid overreacting despite the dramatic headlines.   You will want to hear this episode if you are interested in... [00:00] Impact of the Iran war on the global market [02:55] Market movements since the Iran war began [05:20] Strategies for dealing with portfolio volatility [06:29] Why buy into the market right now [07.39] Rebalance your portfolio to prepare for retirement  [08:50] Continue to automate your investments [10:14] Evaluate your underperforming investments [11:12] How to create a tax loss that works for you   Oil Prices and Stock Market Declines  Since the war began, the S&P 500 index has fallen approximately 6%, a drop largely attributed to a sharp increase in crude oil prices. Oil prices spiked from $67.29 per barrel on the eve of the conflict to as high as $100, currently stabilizing around $90 at the time of recording. This represents a 33% climb post-conflict climb and as much as a 50% jump compared to prices in recent months.  This sudden rise is far from the norm, and it's a clear demonstration of how tensions in resource-rich regions can send shockwaves throughout global markets. Higher oil prices raise production costs across industries, cut into profits, and reduce consumer spending power—all factors that undermine future earnings and push stock valuations lower.   Volatility Is Nothing New While the current drop may feel alarming, it's important to remember that market declines happen regularly and often recover just as quickly. President Trump's tariff proposals from the last year, pushed the S&P 500 down 18% before tensions eased and the market rebounded to close the year up 18%. This historical context reassures investors that dramatic events can have both short-lived and long-term effects, but resilience and recovery are common themes in market history.   Strategies for Navigating Volatility I recommend several strategies for managing portfolio volatility, starting with the importance of viewing downturns as buying opportunities—using cash to "buy the dip" can be rewarding when markets recover, especially in sectors hit hard by recent declines, including technology. It's also important to regularly rebalance your asset allocation to maintain your preferred stock-bond mix, which helps manage risk and ensures you're not overexposed or underinvested as markets shift.  The value of automated investment contributions takes advantage of dollar-cost averaging, so don't halt contributions during downturns, stay consistent for long-term growth. Periodically reviewing and potentially trimming persistently underperforming investments and considering tax-loss harvesting in taxable accounts are also key tactics—this can improve portfolio efficiency, allow for strategic tax deductions, and keep your investment plan on track without straying afoul of wash-sale rules.   Looking Forward and Recovery Potential Market volatility is inevitable, especially in uncertain times, but history and sound investing principles remind us to avoid knee-jerk reactions. Take advantage of the situation by rebalancing, automating investments, evaluating underperformers, and using tax-loss harvesting to ensure your portfolio remains resilient. Downturns often lay the groundwork for future gains, and patient, disciplined investing pays off over time.   Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE    Connect With Morrissey Wealth Management  www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan  

Five years before retirement is your critical window to rebalance and refine your portfolio. Discover practical strategies for shifting from growth to income, managing risk, and preparing for the financial realities ahead in this essential planning conversation. For more information, visit https://www.meliagroup.com/contact Melia Advisory Group City: Tulsa Address: 5424 S Memorial Dr Website: https://www.meliagroup.com/

Listener Q&A where Andy talks about: How often to check your accounts for rebalancing, and how often to check on your bigger picture finances and plan ( 2:32 )What to do with old positions you no longer want in a brokerage account but they all have large unrealized gains ( 16:03 )How Medi-Cal benefits interact with a high deductible health plan and an HSA (spoiler alert...I don't know!) ( 22:20 )Are there any good reasons to leave old/prior employer 401(k) plans where they are ( 25:31 )Tracking Roth IRA contributions (including money inherited from a deceased spouse's Roth 401(k)) ( 29:50 )The mechanics of separating the cream from the coffee when rolling pre-tax money in an IRA to a 401(k) to leave behind in the IRA just the after-tax basis, and potential gotchas with that process ( 33:41 )Are potentially large RMDs really a threat to someone's financial plan, or just a pain ( 42:37 )Additional thoughts on whether to pay off a mortgage before retirement, particularly if using pre-tax funds (like from a 401(k)) to do it, even if the interest rate on the loan is really low ( 49:45 )Why Roth money within a 401(k) isn't actually in its own separate account, but is instead just an internal accounting record type of "sub" account ( 53:04 )Tax-free conversions of mutual fund share classes to ETF share classes of the same fund, where available ( 59:02 )Thoughts on rental property vs bank CD's for purposes of estate transfer, tax implications and general retirement plan considerations ( 1:03:23 )To send Andy questions to be addressed on future Q&A episodes, email andy@andypanko.comLinks in this episode:My article about pros and cons of rolling over old employer plans to an IRA - hereMy company newsletter - Retirement Planning InsightsFacebook group - Retirement Planning Education (formerly Taxes in Retirement)YouTube channel - Retirement Planning Education (formerly Retirement Planning Demystified)Retirement Planning Education website - www.RetirementPlanningEducation.com

Markets are pointing toward 6,800 this morning as momentum and relative strength improve. The reflexive rally we called last week is taking shape — and that creates a rebalancing opportunity, not a reason to chase. Don't wait for 6,900. Pick the neighborhood, not the house. Use the resistance zone around 6,800–6,900 as your selling area. Peak-to-trough has been roughly 5%; if your portfolio dropped more than that, you're carrying too much risk. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/yAmYkDUWWW4 --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #PreMarket #StockMarketToday #PortfolioRebalancing #MarketOutlook #InvestingStrategy

Traders are “throwing the baby out with the bathwater” during this market turbulence as inflation fears “feed on themselves,” says Robert Conzo. He tells them to remember the historical likelihood that less-loved S&P 500 companies will outperform. He feels “relatively good” about the market, citing bright spots like the retail sales report and a relatively unchanged PCE. Robert encourages investors to rebalance their portfolios right now.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

The ultra-wealthy get access to private equity, private credit, and pre-IPO deals the rest of us don't. Now, suddenly, those same deals are being marketed to you. Coincidence? Maybe. Cause for suspicion? Absolutely. Joe, OG, and Doug settle in at the basement desk (yes, Joe's mom's basement — the most prestigious financial address in podcasting) to dig into a Wall Street Journal headline asking whether everyday investors should be chasing the same private deals as the 1%. OG breaks down why "exclusive access" and "higher returns" can also mean binary outcomes, illiquidity traps, and a failure rate that the ultra-wealthy can absorb — and you probably can't. Oh, and there's a Ty Lopez–led retail investment that allegedly became a Ponzi scheme. So that's fun. What's in today's episode: Why private equity and private credit are suddenly being pitched to regular investors — and what that timing might tell you The real difference between risk-free returns, stock market investing, and private bets (they are not the same thing, no matter what the brochure says) How "exclusive opportunity" can be a polite way of saying "binary outcome with limited exits" A real-world look at regulation risk using Airbnb as the example What liquidity actually means — and what happens when you need your money back and the market says "no" The Ty Lopez distressed retail saga and how it allegedly went full Ponzi Why private credit often means lending to borrowers who couldn't get money elsewhere The uncomfortable truth about who gets targeted by aggressive investment marketing (hint: it's people who feel behind) OG also walks through an SEC-inspired framework for evaluating any investment before you hand over a dollar: Build a financial roadmap before chasing complex deals Know your actual risk tolerance (not the aspirational version) Diversify — for real, not just in theory Handle your emergency fund and high-interest debt first Grab every employer match on the table Rebalance regularly How to spot the early signs of fraud before it costs you Also in the basement: Doug drops Mustang trivia (the 1964 Ford kind, not the horse kind). The TikTok Minute rides off into the sunset, replaced by a shiny new back-to-basics segment. There are community meetup updates — including Benjamins After Dark in Boston. And somehow, against all odds, Kool-Aid nostalgia becomes a conversation. Because sometimes the most dangerous investment isn't the one that looks risky. It's the one that sounds like something only smart, wealthy, connected people get access to. Pull up a chair. The basement is open. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-avoid-the-wrong-investments-1813 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The ultra-wealthy get access to private equity, private credit, and pre-IPO deals the rest of us don't. Now, suddenly, those same deals are being marketed to you. Coincidence? Maybe. Cause for suspicion? Absolutely. Joe, OG, and Doug settle in at the basement desk (yes, Joe's mom's basement — the most prestigious financial address in podcasting) to dig into a Wall Street Journal headline asking whether everyday investors should be chasing the same private deals as the 1%. OG breaks down why "exclusive access" and "higher returns" can also mean binary outcomes, illiquidity traps, and a failure rate that the ultra-wealthy can absorb — and you probably can't. Oh, and there's a Ty Lopez–led retail investment that allegedly became a Ponzi scheme. So that's fun. What's in today's episode: Why private equity and private credit are suddenly being pitched to regular investors — and what that timing might tell you The real difference between risk-free returns, stock market investing, and private bets (they are not the same thing, no matter what the brochure says) How "exclusive opportunity" can be a polite way of saying "binary outcome with limited exits" A real-world look at regulation risk using Airbnb as the example What liquidity actually means — and what happens when you need your money back and the market says "no" The Ty Lopez distressed retail saga and how it allegedly went full Ponzi Why private credit often means lending to borrowers who couldn't get money elsewhere The uncomfortable truth about who gets targeted by aggressive investment marketing (hint: it's people who feel behind) OG also walks through an SEC-inspired framework for evaluating any investment before you hand over a dollar: Build a financial roadmap before chasing complex deals Know your actual risk tolerance (not the aspirational version) Diversify — for real, not just in theory Handle your emergency fund and high-interest debt first Grab every employer match on the table Rebalance regularly How to spot the early signs of fraud before it costs you Also in the basement: Doug drops Mustang trivia (the 1964 Ford kind, not the horse kind). The TikTok Minute rides off into the sunset, replaced by a shiny new back-to-basics segment. There are community meetup updates — including Benjamins After Dark in Boston. And somehow, against all odds, Kool-Aid nostalgia becomes a conversation. Because sometimes the most dangerous investment isn't the one that looks risky. It's the one that sounds like something only smart, wealthy, connected people get access to. Pull up a chair. The basement is open. FULL SHOW NOTES: https://stackingbenjamins.com/how-to-avoid-the-wrong-investments-1813 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! Learn more about your ad choices. Visit podcastchoices.com/adchoices

How could you diversify your income streams by pursuing your interests? Anyone who knows me knows I have a lot going on—I run Bossed Up, I have a corporate day job, I'm a parent…and that's not even half of it. But I firmly believe that expanding your career portfolio is a wise move, for your finances and your energy sustainability.  Especially in the current wildly unstable job market, why focus all your time, energy, and interest on a single job? By doing so, you run the risk of being left at loose ends if, heaven forbid, your job falls through. In this episode, I share my own exciting new business venture, along with some helpful tips for exploring your own side hustles and hobby monetization. If you've ever considered becoming a multi-hyphinate—or know someone who's on that path—you're going to love this one. Mitigate your income risk and diversify your time and energy: The two pie charts that sum up your career portfolio; How to find more time for your side hustle without exhausting yourself; Three ways you can start to explore doing more, safely and strategically. Related Links: Matt Schumer's essay “Something Big is Happening” - https://x.com/mattshumer_/status/2021256989876109403 Episode 536, Strategic Detachment: A Trend for Surviving and Thriving - https://www.bossedup.org/podcast/episode536 “The Lean Startup” by Eric Reis - https://bookshop.org/p/books/the-lean-startup-how-today-s-entrepreneurs-use-continuous-innovation-to-create-radically-successful-businesses-eric-ries/3cb6bdcf8f1bebc2 My NEW LinkedIn Learning Course: Get Unstuck: Make a Plan to Move Your Career Forward - https://www.linkedin.com/learning/get-unstuck-make-a-plan-to-move-your-career-forward-30720060 Bossed Up Courage Community - https://www.facebook.com/groups/927776673968737/ Bossed Up LinkedIn Group - https://www.linkedin.com/groups/7071888/ Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

How often should you rebalance your investment portfolio? If you Google this question, you'll find the standard answer: quarterly or annually. But what if that advice doesn't fit YOUR situation? In this episode, father-daughter advisor team Bill and Anastasia Taber tackle the rebalancing debate: Questions answered:  ✓ What is portfolio rebalancing and why does it matter?  ✓ Why do passive investors rebalance on a calendar schedule?  ✓ What does academic research say about rebalancing benefits?  ✓ When should you break the quarterly rebalancing rule?  ✓ How do taxes change your rebalancing strategy?  ✓ Should you rebalance differently in your 401(k) vs. taxable account?  ✓ What's the difference between rebalancing for passive vs. active investors? The surprising truth: Without rebalancing, a 60/40 portfolio can drift to 80%+ stocks, creating way more risk than you intended. But rigid calendar-based rebalancing isn't the only solution. And for some investors, it's not even the best one. Anastasia (CERTIFIED FINANCIAL PLANNER™) and Bill (40+ years managing client money) explain why they don't follow conventional rebalancing advice, share real examples of when calendar rebalancing hurts returns, and reveal the tax implications many investors miss. Your takeaway: A clear framework for deciding how often YOU should rebalance based on your investment style, tax situation, and time horizon. Perfect for DIY investors, those working with advisors, or anyone trying to build a smarter investment strategy. Subscribe for behavioral finance insights and practical financial tips. New episodes every other Friday.

What if the best investing edge isn't a chart pattern… but a business model?Jim Iuorio and Bob Iaccino sit down with John Tinsman (Founder, AOT Invest) to break down why “low marginal cost” companies have dominated for decades—and how his ETF AOTG is built to target them.In this episode, John explains the core thesis behind AOTG: prioritize high-growth, profitable businesses where the cost of serving the next customer is near-zero—then rebalance to keep growth high while lowering valuation metrics. We also dig into drawdowns, bear-market questions, why Apple isn't always “growth,” and how passive market-cap indexing can distort allocations at exactly the wrong times.What you'll learn:- Why “low marginal cost” is the hidden driver behind mega-winners (Visa, Microsoft-style economics)- Why John focuses on profitable growth (and avoids speculative “story stocks”)- How AOTG thinks about valuation (why Palantir got cut, why cheaper faster growers can win)- What happens in a sharp tech selloff and how AOTG handles slowdowns / profitability changes- Why John believes today's Nasdaq is not the Nasdaq of 2000- Rebalance cadence, portfolio turnover, and what can hurt this strategyTimestamps:00:00 – Welcome + why Jim is laser-focused on portfolio construction now02:05 – From investing in high school → building AOTG05:02 – “Low marginal cost”: what it is (and why Ford ≠ Visa)07:32 – Tech disruption risk + why moats form anyway09:44 – Why John avoids small/mid caps + stock-based comp dilution13:26 – Drawdowns, volatility, and why fundamentals matter17:27 – AOTG vs QQQ/SPY performance discussion20:38 – “You haven't been through a bear market…”—John's response30:38 – Valuation filter: why Palantir got removed35:11 – 2000–2003 Nasdaq comparison (then vs now)37:52 – How often AOTG rebalances + turnover43:29 – The hardest question: what crushes this strategy?48:40 – Bonus: best burger in the Chicago suburbs

In this episode, we track three major developments shaping healthcare HR strategy right now: a catastrophic escalation in the Kaiser strike, a growing middle management collapse, and a new IRS benefit that could fast-track your workforce into the AI era.

In this episode, Confluence reviews the Asset Allocation rebalance for the first quarter of 2026, featuring a brief economic analysis and insights on asset class and security selection for the firm's Asset Allocation portfolios. Joining the podcast to recap the rationale for this quarter's changes is Kaisa Stucke, analyst and chair of the Asset Allocation Committee's quarterly investment meetings.

If Netflix or Spotify doubled their price tomorrow, would you really cancel—or would you grumble and keep paying? In this conversation, we use subscription services we all rely on to explain a powerful investing concept: pricing power. We'll break down why some companies can raise prices without losing customers, what that tells us about their business models, and why pricing power matters when evaluating long-term investments—especially in an inflation-conscious world.Big Tech is opening the checkbook for AI. Amazon, Alphabet, Meta, and Microsoft are on track to spend nearly $650 billion in 2026 alone, even if it means taking a hit to free cash flow today. We'll unpack why this spending surge is happening, where the money is going, and what it could mean for earnings, valuations, and investors navigating the AI boom. In this week's Market Segment, we break down sector performance across the S&P 500 amid heightened volatility in software stocks, driven largely by renewed concerns over AI's disruptive impact. We also zoom out to examine how AI is influencing industries more broadly, and what a healthy market rebalance across sectors could signal for investors. Plus, we discuss the growing gap between consumer sentiment and actual economic activity and take a closer look at January's employment data to see what it may mean for the path ahead.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — February 7, 2026  |  Season 40, Episode 6Timestamps and Chapters8:29: Cancel or Complain? Pricing Power Explained31:31: AI at Any Cost?45:57: Market Rotation Amid AI UncertaintyFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.See important disclosures at Henssler.com

– What about competition in a portfolio? – How can I keep my winners, but also rebalance my portfolio? – Why aren’t people borrowing against their homes to invest? – Use your real names, please! Go to https://surfshark.com/motley or use code MOTLEY at checkout to get 4 extra months of Surfshark VPN!See omnystudio.com/listener for privacy information.

"My 401(k) has grown a lot over the years. Should I consider rebalancing it now that I'm 60?" We're answering YOUR questions on this week's Get Ready For The Future Show! • At 57 years old, what 401(k) percentage should I be contributing if I would like to retire at 60? • We're nearing retirement and not sure how much we should keep in cash vs. investments. What's the right balance? • My brother wants to borrow money from us to start a business. We're in our mid-50s. Is this ever a good idea? And if you've got a question you want answered on the show, call or text 501.381.5228! Or email your question to show@getreadyforthefuture.com! Originally aired 2/4/2026

Welcome to Dentist Money Two Cents, a look at the latest financial and economic news from the past week.
 On this episode of Dentist Money's Two Cents, Matt, Taylor, and Rabih kick things off with a few life updates before diving into key takeaways from the latest Federal Reserve meeting. They break down what those insights could mean for mortgage rates in the years ahead and what dentists should be paying attention to right now. They then talk about the changes in contribution rates for 2026 and important updates to be aware of. Finally, they talk about investment portfolio rebalancing and how to think about timing as you move closer to retirement. Learn more about the Dentist Money Launchpad Program, join the waitlist to learn everything you didn't learn about money in dental school through a series of live courses built exclusively for D4s and recent grads! Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

A walk through on how to rebalance your portfolioHow to check on fund performance - Price change vs. returnsReview of a concert from SynthonyHome Remodel - where should you get the money?

Welcome to Episode 291 of Autism Parenting Secrets.You already know the critical role the gut plays in your child's overall well-being. But this week, we're going to take it to a deeper level—into the science, the data, and the real-world results of microbiome balancing.My guest, Alex Zaharakis, is a radiation oncology physicist turned microbiome researcher who's developed a groundbreaking, data-backed approach to restoring gut health. His system has already helped hundreds of families identify and correct microbial imbalances that drive inflammation, behavior issues, and dysregulation.You'll learn what's really happening in the gut, how to interpret the data, and how personalized, targeted interventions can unlock major shifts in your child's health and behavior.The secret this week is… REBALANCE The MICROBIOMEYou'll Discover:Why The Gut Is The Most Overlooked Foundation Of Healing (5:00)What The 16S Stool Test Reveals That Other Tests Miss (13:00)Why Killing Pathogens Alone Backfires Over Time (20:30)How Rebalancing Microbes Reduces Inflammation And Dysregulation (28:30)What Real Progress Can Look Like At Any Age (36:30)About Our Guest:Alex Zaharakis is a radiation oncology physicist and microbiome researcher whose work focuses on restoring gut health through data-driven insights. His 16S-based microbiome analysis platform helps families identify root imbalances and implement practical, personalized interventions that lead to measurable improvements. Learn more at autismisbiomedical.com.References In This Episode:Autism Is Biomedical – autismisbiomedical.comResearched Elements - Nutraceutical & Research CompanyAutism Parenting Secrets Episode 271 – Autism Is Biomedical with Dr. Christian BognerKeith Bell - Gut Health ResearcherAdditional Resources:To learn more about personalized 1:1 support go to www.elevatehowyounavigate.comTake The Quiz: What's YOUR Top Autism Parenting Blindspot?If you enjoyed this episode, share it with your friends.

What if the best post-holiday reset isn't a detox, a diet, or discipline, but simply coming back into a trusting relationship with your body?In this compassionate episode of Renegade Remission, we explore a post-holiday reset rooted in biology, nervous system regulation, and self-trust instead of guilt and restriction.If the holidays left you feeling depleted, inflamed, disconnected, or “off,” this episode offers a gentle way back into rhythm. You'll learn how hydration, movement, nourishment, and gratitude work together to help your body recalibrate and speed up healing.In this episode, you'll discover:Why harsh detoxes and crash diets backfire A simple framework to rehydrate, rebalance, and reduce inflammation gentlyHow to support detoxification naturally through hydration and circulationA nervous system reset that helps your body shift back into rest-and-repairAn easy reconnection ritual you can return to anytimeThis is not about fixing your body. Instead, it's about partnering with it.Listen now to release guilt, reset softly, and come home to your body after the holidays. This episode will help you reconnect with your healing rhythm without pressure or perfection.DisclaimerThis podcast is for educational purposes only and does not offer medical advice. Consult your licensed healthcare provider before making any changes to your treatment or health regimen. Reliance on any information provided is solely at your own risk.This podcast explores stories and science around ALS, dementia, MS, cancer, mind body recovery, healing, functional medicine, heart disease, regression, remission, integrative medicine, autoimmune conditions, chronic illness, terminal disease, terminal illness, holistic health, quality of life, alternative medicine, natural healing, lifestyle medicine, and remission from cancer, offering hope and insights for those seeking resilience and renewal.

Ready to shift what you're allowing into your life? Start with your front door.In this guided energy activation, Emily leads you through a powerful clearing and optimization practice for your front door - the energetic gateway that helps determines what flows into your life. Your front door isn't just a physical entrance; it's a potent energy portal that influences what opportunities, abundance, relationships, and experiences you're unconsciously allowing (or blocking) from entering.In this activation, you'll:-Clear stagnant or heavy energy from your front door and entryway-Release unconscious blocks to receiving what you truly desire-Optimize your front door's energy to welcome aligned opportunities-Rebalance the energetic threshold of your home-Set powerful intentions for what you're ready to allow into your life-Experience Emily's signature energy work in real-timeThis is a guided activation you can do right now with your own front door. Whether you're ready to welcome more abundance, better opportunities, or simply refresh your home's main energy gateway, this episode provides the tools and energetic support to make it happen.Perfect for both energy work beginners and experienced practitioners looking to work with the powerful magic of doorway energy.Ready to clear your space? Download Emily's free Guided Mini House Clearing Audio or reserve your Private Home & Space Clearing session at www.emilymarie.com

Dr. Christopher Macklin is globally recognized as a Spiritual Teacher, Author, Energetic Healer, UFO Abduction Expert, and Medical Intuitive. His work focuses on holistic health, addressing spiritual, mental, emotional, and physical imbalances. He's authored books on mental health, immune system enhancement, and manufactured diseases. A frequent guest on radio shows and at conferences, Macklin has a significant following on Telegram and over 250,000 on FB. For over 14 years, he's specialized in aiding UFO abductees, helping remove negative ET influences, and works closely with positive ET races like the Pleiadians and Arcturians to heal and rebalance humanity. His latest book, “History, Truth and Healing,” explores the impact of negative ET presence on Earth.This commitment led to four years of intensive meditation, enabling him to align with his true calling of divine healing. Now, Christopher serves an international clientele, offering comprehensive healing services that tackle physical, mental, and emotional challenges. He educates on divine sovereignty and alignment, co-founding The Global Enlightenment Project with his wife Amanda to support humanity's spiritual and physical healing journey.Find out more at and sign up for free global healingshere: www.globalenlightenmentproject.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Send us a textKickstart Your Financial Success in 2026: Six Essential MovesIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, owner of Palm Valley Wealth Management, provides a comprehensive 30-day financial action plan to set the tone for 2026 and beyond. Hunter outlines six critical steps to take by January 31st, including knowing your financial numbers (net worth, savings rate, debt balances, and investable assets), automating savings, rebalancing investments, building an early tax plan, revisiting insurance and estate planning, and defining a purpose for your money. Through intentional action and system-building, listeners can achieve a smarter, calmer, and more intentional financial year. Hunter also emphasizes the importance of continually revisiting these goals throughout the year for sustained financial success.00:00 Welcome and Introduction01:19 Setting the Financial Foundation05:39 Automate Your Finances07:47 Rebalance and Reset Investments09:36 Early Tax Planning13:10 Review Insurance and Estate Planning16:10 Define Your Financial Purpose19:09 Final Checklist and ConclusionCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

Introduction December 27th brings sudden urgency—just four days remain to implement critical year-end financial strategies that could save thousands in taxes, reduce portfolio risk, and position retirement accounts for 2025 success. Most people spend more time planning vacations than reviewing their largest asset: their retirement portfolio. But the market’s strong multi-year run has created hidden dangers in 401(k) accounts, particularly for those approaching retirement who haven’t rebalanced in years. In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson provide an essential year-end checklist covering portfolio drift, account consolidation, tax-smart charitable giving, target date fund dangers, and fraud protection as scam season intensifies. Portfolio Drift: The Silent Risk Multiplier What Five Years Did to Your 401(k) If you established a 60/40 portfolio (60% stocks, 40% bonds) five years ago and never rebalanced, you’re sitting on dramatically more risk than intended. “If you had a 60-40 split in 2020, today you’re at about 76% stocks if you’ve made no changes,” Mike Johnson explained. “And your account’s worth 20 or 30% more, so there’s more dollars at stake, at risk.” The drift problem: Stocks outperformed bonds over five years Your stock allocation grew from market gains Total account value increased substantially Risk exposure multiplied Example: $500,000 in 2020 (60% stocks = $300,000) is now $650,000 with 76% stocks = $494,000 in equities. Your stock exposure grew 65%. S&P 500 Concentration Risk “About 40% of the S&P 500 is allocated to tech and high multiple stocks,” Mike noted. “If it’s been on autopilot, now is as good a time as any to look at it critically.” Market Corrections Are Inevitable “On average, every year you have a 10% drop in the market. That’s just the cost of admission,” Mike explained. “We had one back in April—it was closer to 20%. You were looking at 40, 50% drops in some things.” “A lot of people have forgotten how—and even that they should—play defense, especially when you’re getting close to retirement,” Mike cautioned. Year-end action: Check your actual allocation today. If stocks exceed your risk tolerance, rebalance before December 31st. Account Consolidation: Simplify Now The Multiple Account Problem “People’s thinking is, if I have this account over here and this account over here, I’ve got more money,” Tom observed. “When they consolidate those accounts, every one of those five pieces put together as one is gonna get managed better.” Hidden Costs of Scattered Accounts “It’s really hard to track performance if you have multiple accounts,” Mike explained. “It’s much simpler, much more accountable when it’s all consolidated together.” Problems with scattered accounts: Impossible to track overall performance Multiple RMD calculations Complex tax reporting Higher fees (missing breakpoint discounts) Poor overall portfolio coordination Mike’s consolidation benefits: “Proper investment to reach your goals, performance tracking, tax reporting, tax planning, and possible discounts on fees.” Year-end action: List all retirement accounts—schedule consolidation to simplify 2025 RMDs and reduce fees. Tax-Smart Year-End Strategies Strategy 1: Gift Appreciated Stock “Let’s say you give $10,000 a year to charity. You can gift those appreciated shares of stock to the organization,” Mike explained. “You can put that money right back into your brokerage account and reinvest it. You could even repurchase the same stock.” The double benefit: Charitable deduction for full market value Avoid capital gains tax on appreciation Example: Stock purchased for $4,000, now worth $10,000. Gift it, avoid $6,000 capital gain, use the $10,000 cash to buy it back. Strategy 2: Qualified Charitable Distribution “If you’re of the age where you have required minimum distributions, you can do a qualified charitable distribution,” Mike explained. “If you gift the RMD straight to the charity, it never flows through as taxable income to you.” QCD advantages: Counts toward RMD requirement Reduces adjusted gross income Lowers Medicare premiums Reduces taxes on Social Security Works even if you don’t itemize Year-end deadline: Execute stock gifts or QCDs before December 31st to count for 2024 taxes. The In-Service Rollover: Plan Three Years Ahead Act at Age 59½—Even While Working “At 59 and a half, you can do what’s called an in-service rollover,” Mike explained. “Even if you’re still employed and working, you can move over the balance of your 401(k) to an IRA and invest it more specifically for your situation.” The Three-Year Retirement Transition “Let’s say you’re 59 and a half and planning on retiring at 62. You can do that rollover, get the funds invested into an income-producing portfolio,” Mike detailed. “While you’re working, that income just reinvests back in. But when you hit 62, that portfolio’s already in place, it’s already working, and literally it’s linked to your checking account.” Tom emphasized the benefit: “It makes the retirement process more comfortable because you’re not leaving work and at the same time coming in brand new, getting comfortable with our investment approach. You’ve planned for it.” The seamless transition: Portfolio established 2-3 years before retirement Dividends reinvest while still working At retirement, switch to income payout mode No adjustment period or uncertainty Year-end action: If age 59½+, investigate in-service rollover options. Target Date Funds: Hidden Dangers The Collective Investment Trust Problem “52% of the assets in target date funds—over $2 trillion—are now in collective investment trusts,” Mike reported. What makes CITs dangerous: “A collective investment trust—they’re not required to register with the SEC,” Mike explained. “They don’t have to report, as transparently, all the internal fees. And they’re allowed to hold more illiquid investments inside of them.” The Blue Rock Disaster “There was a private real estate fund—the Blue Rock Total Income Fund,” Mike detailed. “The net asset value when it was private was about $24 a share. They decided to go public. The fund closed the day it went public at $14.70.” Investor loss: 39% immediately when real market pricing was revealed. “The NAV was bogus. It was totally bogus,” Mike concluded. The Vanguard-TIAA Annuity Trap “Vanguard announced they’re partnering with TIAA, and the target date fund automatically enrolls the investor in an annuity,” Mike reported. “What they’re hoping is that these people that have been on autopilot for 40 years—they’re not gonna change from being on autopilot at year 41,” Mike explained. “It’s just gonna automatically roll into these annuities. This is a money grab to keep the assets locked in.” Why Dupree Financial Group Avoids Them “We don’t use target date funds. We don’t like what the target date fund does to the client’s return,” Tom stated. “It’s about having all your money in one spot the day you retire. That money doesn’t need to be in one spot. It needs to be growing and throwing off dividends.” Mike: “The target date’s all based on historical averages. It doesn’t take into account what’s going on in the market or your situation.” Year-end action: If in a target date fund, research what’s actually inside it before the “glide path” continues. Year-End Fraud Alert: Peak Scam Season The January-February Surge “This time last year, at the first of the year, was one of the biggest fraud pushes that we’ve seen,” Mike warned. “As we get close to the end of the year, be diligent and protect yourself.” Sophisticated Team Operations “These fraudsters are very convincing. They sound like us. They sound like an advisor,” Mike explained. “They’ll bring somebody onto the line. They’ll keep people on the line for three hours. They’ve gotten used to handling objections.” Real Client Losses “We heard two in a row from our clients—older women, same amount: $10,000 each,” Tom recounted. “One woman could afford it. The other one really couldn’t.” The Defense Strategy “The first line of defense is you, the client,” Mike stated. “If you have something that pops up on your screen—don’t click there. If somebody calls—call somebody. Call a trusted person. If you’re a client of ours, call us. But do not take action on any of these things.” Critical warning: “Do not verify within their ecosystem. They say, ‘We’ll let you verify,’ and then they transfer you. They’re all working together.” Tom’s advice: “Get off the phone or don’t click on things and get somebody that you trust to find out exactly what’s going on.” Year-end vigilance: Never click pop-ups, never transfer money based on calls, always verify independently. Your Year-End Action Plan Critical Tasks Before December 31st ✓ Check portfolio drift – Verify stock/bond allocation matches risk tolerance ✓ Rebalance if needed – Reduce risk before 2025 ✓ Execute charitable strategies – Gift stock or make QCD before deadline ✓ Consolidate accounts – Simplify RMDs and reduce fees ✓ Research in-service rollovers – If 59½+, investigate options ✓ Review target date funds – Understand holdings before glide path continues ✓ Increase fraud vigilance – Peak scam season protection Questions Before Year-End What’s my actual current allocation? How many retirement accounts do I have scattered? Am I missing tax-saving charitable strategies? Do I understand what’s in my target date fund? Am I 59½+ with rollover options available? The Bottom Line With days remaining in 2024, retirement investors face critical decisions affecting taxes, risk exposure, and 2025 positioning. Portfolio drift has likely pushed your stock allocation far beyond original intentions. Target date funds may contain illiquid investments, opaque fees, and automatic annuitization. But opportunities exist: tax-smart giving, consolidation, in-service rollovers, and rebalancing. “All of these things fit into more of a holistic long-term retirement financial plan,” Mike concluded. “You want everything moving in the right direction to accomplish your goals.” Schedule Your Portfolio Review Is your portfolio drifted into dangerous territory? Missing tax-saving strategies? Approaching retirement without a transition plan? Call (859) 233-0400 or schedule your complimentary portfolio review. Dupree Financial Group – Where we make your money work for you. Important Disclosures Dupree Financial Group is a registered investment advisor with the U.S. Securities and Exchange Commission (SEC). This content is for informational purposes only and does not constitute investment advice, tax advice, or a solicitation. Past performance does not indicate future results. All investments involve risk, including potential loss of principal. Tax strategies should be reviewed with a qualified tax professional. Before making investment or tax decisions, consult qualified professionals. For more information, review our Form ADV Part 2A at www.adviserinfo.sec.gov or call (859) 233-0400. The post Year-End Financial Planning Checklist: Critical Actions Before December 31st appeared first on Dupree Financial.

Welcome to the Planet MicroCap Podcast's Due Diligence series. I'm your host, Robert Kraft. My guest today is Dan Goldberger, CEO of electroCore (NASDAQ: ECOR). electroCore is a commercial-stage neuromodulation company developing a suite of non-invasive vagus nerve stimulation devices—delivering a two-minute therapy session designed to rebalance the autonomic nervous system. Built around its nVNS platform, the company operates across three channels: prescription medical devices for headache and migraine, the fast-growing Truvaga direct-to-consumer wellness brand, and a specialized military and government division built around its ruggedized tac-stim product.   Founded in 2006 as a non-invasive alternative to implanted vagus nerve stimulators, electroCore has evolved into a multi-indication business with seven FDA authorizations for headache, serving major customers like the U.S. Department of Veterans Affairs and the UK's National Health Service. I invited Dan to the show to discuss all of this, as well as: How nVNS platform works and the science behind vagus nerve modulation electroCore's evolution from implanted alternatives to multi-channel neuromodulation The prescription business model across the VA, NHS, and managed care Truvaga's growth in the wellness market and why awareness is the primary competitor The tac-stim military program and its role as a meaningful revenue stream Strategic priorities heading into 2026—profitability, capital allocation, and commercial execution Challenges around insurance coverage and overcoming the “chicken and egg” problem The path toward becoming a $150–200 million business and the long-term vision for the platform For more information about electroCore, please visit: https://www.electrocore.com/ This podcast was recorded and is being made available by SNN, Inc. (together with its affiliates and its and their employees, “SNN”) solely for informational purposes. SNN is not providing or undertaking to provide any financial, economic, legal, accounting, tax, or other advice in or by virtue of this podcast. The information, statements, comments, views, and opinions provided in this podcast are general in nature, and such information, statements, comments, views, and opinions, and the viewing of/listening to this podcast are not intended to be and should not be construed as the provision of investment advice by SNN. The information, statements, comments, views, and opinions expressed in this podcast do not constitute and should not be construed as an offer to buy or sell any securities or to make or consider any investment or other course of action. The information, statements, comments, views, and opinions expressed in this podcast (including by guest speakers who are not officers, employees, or agents of SNN) are not necessarily those of SNN and may not be current. Reference to any specific third-party entity, product, service, materials, or content does not constitute an endorsement or recommendation by the SNN. SNN assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this podcast or the compliance with applicable laws of such materials and/or links referenced herein. The views expressed by guest speakers are their own and their appearance on this podcast does not imply an endorsement of them or any entity they represent. SNN does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, which may include forward-looking statements where actual results may differ materially. SNN does not undertake any obligation whatsoever to provide any form of update, amendment, change, or correction to any of the information, statements, comments, views or opinions set forth in this podcast. SNN EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. By accessing this podcast, the listener acknowledges that the entire contents and design of this podcast, are the property of SNN, or used by SNN with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this podcast may save and use information contained in the podcast only for personal or other non-commercial educational purposes. No other use, including without limitation, reproduction, retransmission, or editing of this podcast may be made without the prior written consent of SNN.

It's almost 2026, and soon you'll be receiving your year-end statements for all your investment accounts. You'll also hear a lot of advice about reviewing and rebalancing your portfolio in January. Robert Brokamp and Certified Financial Planner Sean Gates how to do it and how much re-arranging is necessary. Also in this episode:-Why Schwab expects a “vibesession” in 2026-Why inflation feels worse for many Americans-Debunking a myth about the relationship between retirement and life expectancy-Spend money, and get reimbursed for those expenses, from flexible spending accounts and 529s before the end of the year Host: Robert BrokampGuest: Sean GatesEngineer: Bart Shannon Learn more about your ad choices. Visit megaphone.fm/adchoices

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This week on the Retirement Quick Tips podcast, I'm sharing with you my year-end financial checklist. With only a few weeks before the end of the calendar year, there's still time to complete these before year-end.  Today, I'm talking about reviewing your allocation to stocks and rebalancing

Send us a textMastering Portfolio Cleanup for a Simpler, Smarter Investment StrategyIn this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner and founder of Palm Valley Wealth Management, dives into the essential practice of portfolio cleanup. Hunter outlines a clear framework for evaluating and reorganizing your investment portfolio to ensure it aligns with your financial goals and remains efficient. Topics include creating an inventory of your holdings, identifying duplicates, assessing sector and style concentrations, reviewing tax efficiency, and strategic rebalancing. Hunter also emphasizes simplicity and intentionality as keys to successful long-term investing. Tune in to learn practical steps for maintaining a clean and organized portfolio.00:00 Introduction to Portfolio Cleanup01:21 Understanding Your Current Portfolio04:18 Identifying and Eliminating Overlap05:43 Evaluating Sector and Style Allocation06:43 Tax Efficiency and Asset Location07:41 Deciding What to Keep12:16 What to Sell and Why17:11 The Importance of Rebalancing20:18 Actionable Steps for Portfolio Cleanup22:00 Conclusion and Final ThoughtsCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

This week I sat down with Justin Hai, the guy who basically said "yeah… stress is the villain in your midlife story" and then wrote a whole book proving it. Spoiler: he's right. We dig into: • Why cortisol is out here acting like a drama queen • The sleep-stress-hormone Bermuda Triangle making belly fat stick around • How tech is low-key ruining your metabolism • The truth about hot flashes that'll make you rethink what's really "stressful" • Why weights beat cardio every damn time • How to set yourself up for a night of actual sleep, instead of scrolling your soul away Plus, Justin shares what REALLY works for calming that buzzing nervous system without giving up your phone forever or moving to a cave. If you've ever said "this is just my life now"… listen up. It's not. PRESS PLAY Then come tell us your biggest "ohhhh THAT'S why" moment. Links Facebook group https://www.facebook.com/groups/fitgirlmagic Tik Tok @kimbarnesjefferson Instagram https://www.instagram.com/kimjeffersoncoach/ Free Resources: https://www.fitgirlmagic.com/freeresources_podcast 12 week strength training program –Strong by Spring https://kimbarnesjefferson.lpages.co/strong-by-spring Website: http://www.kimbarnesjefferson.com Rebalance https://www.instagram.com/rebalancehealth/ Justin Hai https://www.instagram.com/justin_a_hai/ Linked in https://www.linkedin.com/in/justinhai/ Rebalance https://www.facebook.com/rebalancehealthofficial/ Tik Tok https://www.tiktok.com/@rebalancehealth

In this week's episode of the Rich Habits Podcast, Robert and Austin answer your questions!---

n this episode of Lead-Lag Live, I sit down with Brendan Ahern, Chief Investment Officer at KraneShares, to break down the pivotal shift happening inside China's equity markets. A Trump–Xi truce, policy stabilization, and a surge in cloud and AI revenues are driving fresh optimism into Chinese tech — and Brendan explains why global investors are quietly reallocating back into KWEB.From improving CPI and government action on involution to cloud-driven AI monetization, semiconductor risks, and the new wave of international inflows, Brendan lays out the forces reshaping China's market narrative after years of pessimism.In this episode:– Why China's cloud and AI revenue growth is outpacing expectations– How anti-involution policy is stabilizing competition and lifting margins– Why global investors — especially Europe and Asia — are rotating back into China– Where KWEB sees opportunity across online video, entertainment, and emerging tech– Why semiconductor valuations demand caution despite the broader tech rebound– How the Trump–Xi détente may open the door to further policy normalizationLead-Lag Live brings you inside conversations with the financial thinkers who shape markets. Subscribe for interviews that go deeper than the noise.#LeadLagLive #KWEB #KraneShares #ChinaTech #AI #EmergingMarkets #Investing #MarketsStart your adventure with TableTalk Friday: A D&D Podcast at the link below or wherever you get your podcasts!Youtube: https://youtube.com/playlist?list=PLgB6B-mAeWlPM9KzGJ2O4cU0-m5lO0lkr&si=W_-jLsiREjyAIgEsSpotify: https://open.spotify.com/show/75YJ921WGQqUtwxRT71UQB?si=4R6kaAYOTtO2V Support the show

Brian Mulberry discusses whether investors should buy into megacap earnings as Nvidia (NVDA) gears up to report Wednesday. His stock picks now include Walmart (WMT), which is doing a “great job” in capturing the consumer's wallet and Crown Castle (CCI), which lives in the “orbit” of the AI trade and benefits from 5G expansion. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Tony Zhang with OptionsPlay believes Nvidia (NVDA) is trading at its best forward P/E since Liberation Day. He offers an example options trade and makes the case for long-term investors to buy into the stock as it lingers in correction territory. Tony turns to a much different industry through his trade in FedEx (FDX), but he makes a similar case that the stock is at a discount to its peers.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Is there a connection between trauma recovery and spiritual awakening? Dr. Arielle Schwartz believes there is — and with more than 20 years of experience working with both patients and therapeutic professionals, she has the expertise to back it up… Dr. Schwartz is a distinguished clinical psychologist and world-renowned author who has reshaped the landscape of trauma care. As the founder of the Center for Resilience Informed Therapy®, she has built a thriving community of professionals dedicated to advancing mental healthcare and making healing resources accessible to all… Click play to discover: How trauma recovery can result in spiritual awakening and personal transformation. The vital role of the nervous system in healing, resilience, and emotional regulation. Practical somatic tools and mind–body practices for integrating trauma and restoring balance. Dr. Schwartz has authored several books on topics including trauma recovery, neuroscience, yoga therapy, and more. To this day, she continues to facilitate community-wide healing through professional consultation and public teachings in trauma recovery. Want to follow along with her important work? Visit her website to learn more!

The Passive Pockets Pulse Check returns with Chris Lopez, Jim Pfeifer, and Paul Shannon. They break down what they bought and what they skipped, how they are reallocating between equity and debt, and the checks they run before wiring capital. Jim shares two new allocations in healthcare and coffee after negotiating a lower minimum for the community and explains invoking the Shirky rule to avoid doubling up with a new operator too quickly. Paul outlines a simple Indiana cash flow deal, a 22-unit JV turnaround, and an LP win with a partial disposition. Chris walks through a shift toward debt funds, a strong payout month, and a cautionary development story that highlights why transparency, lender diligence, and sponsor communication matter. The trio then uses the PassivePockets Deal Analyzer to spot red flags and assess IRR partitioning before deconstructing a friends and family hotel conversion with fee bloat, phantom equity, and misaligned waterfalls so you know when to pass fast. Key Takeaways Use investing clubs to test new managers or asset classes and always ask about minimums Rebalance deliberately toward a mix of equity and debt while accounting for ordinary income taxes on debt yields outside retirement accounts Multifamily is stabilizing in select markets, but underwrite with longer debt terms, larger reserves, and realistic rent and occupancy assumptions Watch for fee-heavy structures, annual-only distributions, deferred development fees counted as equity, and dual waterfalls that dilute LP returns The Deal Analyzer surfaces out-of-range assumptions and IRR partitioning shows how much return comes from operations versus exit Disclaimer The content of this podcast is for informational purposes only. All host and participant opinions are their own. Investment in any asset, real estate included, involves risk, so use your best judgment and consult with qualified advisors before investing. You should only risk capital you can afford to lose. Past performance is not indicative of future results. This podcast may contain paid advertisements or other promotional materials for real estate investment advisers, investment funds, and investment opportunities, which should not be interpreted as a recommendation, endorsement, or testimonial by PassivePockets, LLC or any of its affiliates. Viewers must conduct their own due diligence and consider their own financial situations before engaging with any advertised offerings, products, or services. PassivePockets, LLC disclaims all liability for direct, indirect, consequential, or other damages arising out of reliance on information and advertisements presented in this podcast.

Click to Send us a text!We make the case that rest is not recovery and show how to use the off-season to rebuild biology for predictable performance. Using the Five Rs framework and simple at-home labs, we map a 30-day reset that clears fatigue, restores sleep, and brings systems back online.• why the off-season is build time, not downtime• how 90–120 day cell renewal shapes preseason gains• health as interconnected systems, not isolated parts• the Five Rs: Reveal, Remove, Replace, Rebalance, Retain• at-home testing for minerals, detox and cellular energy• 21-day functional reset to clear toxins and replenish• sleep protocol to restore deep, reliable recovery• moving from survival mode to steady peak outputNow, if you're ready to rebuild your body systems and get locked back online with energy, clarity, and confidence, visit victory lanewellness.com or click the link in the show notes or in the bio and take the free functional health assessment and sign up for the Victory Lane 30 day reset to jumpstart your recovery and see measurable results in your first seven daysNow that the racing season's over, recovery starts with better sleep.

In this episode, Confluence reviews the Asset Allocation rebalance for the fourth quarter of 2025, featuring a brief economic analysis and insights on asset class and security selection for the firm's Asset Allocation portfolios. Joining the podcast to recap the rationale for this quarter's changes is Kaisa Stucke, analyst and chair of the Asset Allocation Committee's quarterly investment meetings.

Hey friend, it's Jody Agard. Just got off a plane or shifting time zones? We'll gently rebalance your body's rhythm and harmonize mind, heart, and spirit so you can truly land—inside and out. Get settled, breathe deeply, and let's rebalance together… Xo, Jody Learn more about your ad choices. Visit megaphone.fm/adchoices