Podcasts about rebalancing

Join Peter Tuckman, the Einstein of Wall Street, as he breaks down the latest market activities and trends from the New York Stock Exchange. In this episode of Trade Like Einstein, Peter discusses the current state of portfolio rebalancing, market performance, and the impact of key factors such as upcoming earnings, Federal Reserve decisions, and geopolitical events. Stay informed with daily, weekly, and monthly updates from the Einstein of Wall Street and the Money News Network. Don't miss out on expert insights and in-depth analysis! 00:00 Introduction and Welcome 00:54 Market Overview and Portfolio Rebalancing 01:43 Current Market Factors and Predictions 02:52 Conclusion and Sign Off All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.

Today we get into understanding fatigue and what it means. Is it in your head or your body? Lungs or legs? It all matters and it's important for you to be able to recognize and adjust so that you can get the most out of your sessions or simply get off the couch. We look at different signs in swimming, cycling, and running that show fatigue and sort of look at the "seriousness" of each and how to roll right through it. Topics: Triathlete Tattoos Gross pics sent to coaches Reading books or faking it? Post-holiday fatigue Longer Zone 2 rides and runs Why do you feel better deeper into the workout? Swimming to test fatigue safely Too much focus on "times" Stress is stress Adapting to the sessions What is weighing you down? Run Camp as a science "lab" Don't let the numbers affect your day Red Zone of fatigue Feeling "off" Why to be a fan of HR Bike approaches to working through fatigue High power/Low HR means system is firing Does it feel like a fight? Is it your legs or lungs? Stacking days and getting the right stimulus Can't put a finger on it Rebalancing "the off" feeling How do you feel meeting the intent of the session Restaurant picking strategy for your family mike@c26triathlon.com robbie@c26triathlon.com

In this eye-opening episode of The Health and Wellness Coach Journal Podcast, Dr. Jessica Singh speaks with Dr. William Davis, a cardiologist and New York Times bestselling author of Wheat Belly, Wheat Belly Cookbook, Wheat Belly 30-Minutes (or Less!) Cookbook, and Wheat Belly Total Health, as well as Wheat Belly 10-Day Grain Detox, Undoctored, and Super Gut. His newest book, Super Body: A 3-Week Program to Harness the New Science of Body Composition and Restore Your Youthful Contours, explores emerging science on body composition, the microbiome, and long-term metabolic health. Dr. Davis shares how his work as a cardiologist—and a personal turning point—led him to reexamine conventional approaches to heart disease risk. He discusses why wheat and sugar contribute to metabolic changes that negatively affect whole-body health. The discussion moves beyond diet to explore why removing harmful foods may only be the beginning. Dr. Davis explains how antibiotics, numerous medications, modern food, environmental exposures, chronic stress, and disrupted sleep deplete protective microbes, impacting various aspects of health. This episode also explores microbiome implications for women's and maternal health, infant development, SIBO, and the relationship between stress, sleep, circadian rhythm, and the gut–brain axis. Dr. Davis offers practical guidance for coaches and healthcare providers seeking credible, evidence-informed microbiome resources. Together, Dr. Singh and Dr. Davis discuss the education gap in medicine—particularly around nutrition and the microbiome—and why clinicians often need to expand beyond traditional training to support prevention and long-term healing. This conversation is a call to rethink prevention and recognize that rebuilding the microbiome is a powerful way to reclaim agency and improve health. For detailed show notes, resources, and information to connect with Dr. Davis, visit: https://www.centerforhealthandwellnesscoaches.com/blog/A-Hidden-Cause-Behind-Chronic-Disease-Dr-William-Davis-on-Microbiome-Disruption-&-Rebuilding-Gut-Health To be notified of new episodes, subscribe here: https://www.centerforhealthandwellnesscoaches.com/stay-connected Timestamps 0:00 - Introduction 1:29 - Challenging the Health Narrative: Insights on Wheat and Heart Disease from Dr. William Davis 10:49 - Why Diet Alone Isn't Enough: Microbiome Health and Restoring Key Microbes from Dr. William Davis 17:21 - Super Gut Takeaways: Insights on Lost Microbes and Their Role in Health and Disease by Dr. William Davis 19:48 - The Critical Education Gap in Medicine: Nutrition and the Microbiome—Why Clinicians Must Learn What Training Missed from Dr. William Davis 27:27 - Insights on the Microbiome in Maternal and Women's Health from Dr. William Davis 32:41 - SIBO Is More Common Than You Think: Insights on Hidden Microbial Overgrowth, Health Effects, and Rebalancing the Microbiome from Dr. William Davis 43:09 - The Impact of Stress and Sleep on the Gut: Insights on Circadian Rhythm and Microbiome Health from Dr. William Davis 47:37 - Finding Credible Microbiome Resources: Guidance for Coaches and Healthcare Providers from Dr. William Davis 51:12 - Takeaways

The Money Wise guys are back inside the studio, and the episode this week opens with a strong start to 2026, as markets posted their first full trading week gains and both the Dow and S&P 500 closed at new all-time highs. The Dow surged more than 1,100 points on the week, while the S&P 500 and NASDAQ followed with solid advances, reflecting renewed momentum after year-end profit-taking and tax-loss selling faded. The guys explain how early-January rebalancing activity, by both institutional investors and individual portfolios, often creates a powerful tailwind as capital gets redeployed with a fresh calendar year. The conversation then shifts to what's driving that momentum beneath the surface. Annual portfolio rebalancing takes center stage, with a discussion on why long-term data consistently shows annual rebalancing outperforms more frequent adjustments over full market cycles. The team also shares insight into how Davidson Capital Management implemented its own significant rebalance, expanding diversification and restructuring portfolios to reflect current market conditions, underscoring why discipline and structure matter during strong market starts. Later in the show, the focus broadens to alternative investments, particularly energy-related strategies. The guys caution listeners that “alternatives” can mean very different things depending on structure and risk, emphasizing the importance of education before allocating capital. They also touch on recent geopolitical developments and why, despite dramatic headlines, markets often react far less than expected, reinforcing the episode's recurring theme: markets tend to reward fundamentals, diversification, and long-term thinking over emotional reactions. Why Rebalancing Matters Rebalancing matters because it helps keep a portfolio aligned with its intended risk level and long-term strategy as markets move. Over time, strong-performing assets can grow to represent a larger share of a portfolio than originally planned, increasing exposure and risk without investors realizing it. Rebalancing trims areas that have run ahead and reallocates toward underweighted positions, bringing discipline to the investment process. Rather than reacting emotionally to headlines or short-term market swings, it encourages a systematic approach that can support more consistent outcomes over full market cycles. In the second hour, the Money Wise guys discuss Equity Index Annuities. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

Will Silver Rally Get Derailed By Index Rebalancing? Zero Hedge has been reporting that an index rebalancing is set to put pressure on the gold and silver markets, and potentially kill the rally. But is it something to actually be worried about? Vince Lanci explains what to expect in this morning's show, and to find out more, click to watch the video now! - To get access to Vince's research in 'Goldfix Premium' go to: https://vblgoldfix.substack.com/ - Get access to Arcadia's Daily Gold and Silver updates here: https://goldandsilverdaily.substack.com/ - Join our free email list to be notified when a new video comes out: click here: https://arcadiaeconomics.com/email-signup/ - Follow Arcadia Economics on twitter at: https://x.com/ArcadiaEconomic - To get your copy of 'The Big Silver Short' (paperback or audio) go to: https://arcadiaeconomics.com/thebigsilvershort/ - #silver #silverprice #gold And remember to get outside and have some fun every once in a while!:) (URL0VD)Subscribe to Arcadia Economics on Soundwise

Today I'm thrilled to host someone I've learned so much from over the years - Mike Heroux, passionate dividend growth investor. Mike has been educating Canadian retail investors for many years & is founder of Dividend Stocks Rock.Regardless of your investing level, this episode has something for everyone.Discussion points:Introduction (01:53)How Mike got started with dividend growth investing (3:37)The dividend triangle (7:58)How many sectors, how many stocks? (12:14)Finding time to invest (16:48)What about XEQT and chill? (19:32)Managing FOMO as a dividend growth investor (23:13)The retirement loop (25:46)How to avoid yield traps (29:36)Payout ratios (35:41)Covered call ETFs (38:40)Any other trends among Mike's best performing stocks? (45:23)Valuation (48:24)Rebalancing the portfolio (55:49)Re-investing dividends (58:54)Mike's best and worst investments (59:55)Interesting dividend growth ideas related to AI (1:06:55)Where to follow Mike, Dividend Stocks Rock (1:10:49)Mike Heroux:https://www.dividendstocksrock.com/https://thedividendguyblog.com/podcast/https://www.youtube.com/@DividendGuybeyond MD links:website: https://www.beyondmd.ca/newsletter: https://www.beyondmd.ca/newsletterLinkedIn: https://www.linkedin.com/in/yatin-chadha/Radiology Courses for Clinicians:https://beyondradiology.thinkific.com/courses/ct-head-interpretation-coursehttps://beyondradiology.thinkific.com/courses/master-ct-head-interpretation-course

Today, we note the strong risk-on vibe continues, though more in the broader market rather than in the megacaps. We also highlight that major commodity indices are in for an annual rebalancing in coming days, with interesting implications for gold, silver and even cocoa. There's also lots of Nvidia news shaking the autonomous driving space, very little going on in the FX space, though Aussie is doing its best to make noise and key US data incoming. This and more (including geopolitics and oil) on today's pod, which features Saxo Head of Commodity Strategy Ole Hansen and is hosted by Saxo Global Head of Macro Strategy John J. Hardy. For our longer form podcasts, you will also find links discussed on the podcast and a chart-of-the-day over at the John J. Hardy substack. Read daily in-depth market updates from the Saxo Market Call and the Saxo Strategy Team here. Please reach out to us at marketcall@saxobank.com for feedback and questions. Click here to open an account with Saxo. Intro and outro music by AShamaluevMusic DISCLAIMER This content is marketing material. Trading financial instruments carries risks. Always ensure that you understand these risks before trading. This material does not contain investment advice or an encouragement to invest in a particular manner. Historic performance is not a guarantee of future results. The instrument(s) referenced in this content may be issued by a partner, from whom Saxo Bank A/S receives promotional fees, payment or retrocessions. While Saxo may receive compensation from these partnerships, all content is created with the aim of providing clients with valuable information and options.

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

With Tom on vacation and an eerily convincing AI stand-in holding down the mic, Don kicks off 2026 by tackling one of the most persistent listener questions: how to actually find a true fiduciary—and how to eliminate salespeople fast. Using FINRA's BrokerCheck as a simple filter, the show explains why the “B” matters, why dual-registered advisors are still a risk, and how complexity is often a red flag. From there, the conversation dives into the rise of RILAs (registered index-linked annuities), why their shiny back-tested returns don't mean much, and how simpler balanced portfolios often do better with far less risk and confusion. Along the way, the hosts cover podcast reviews, investing in bourbon barrels (don't), Roth IRAs for teenagers (do), and close with Tom's five timeless investing rules for 2026: go global, simplify, define risk, rebalance, and understand your taxes. 0:04 New year, Tom on vacation, and the rise of AI Tom 0:22 AI voices, joke quality, and job security jokes 2:20 Welcome and the show's core mission 2:46 How to actually find a real fiduciary 3:30 BrokerCheck explained and why the “B” is a deal-breaker 5:24 Firm searches and fast advisor elimination 6:38 Why dual registration still isn't fiduciary 7:22 RILAs introduced and why “index-linked” is a warning sign 9:38 Hypothetical returns and misleading back-testing 11:19 Balanced index funds vs annuity complexity 13:00 Why RILAs solve no real investor problem 14:08 How to leave podcast reviews (and where) 15:22 Apple vs Spotify reviews and ratings reality 17:34 Ratings, trolls, and thin-skinned hosts 20:07 Tom's five investing rules for 2026 20:41 Go global—actually global 21:56 Fewer accounts, less mess 22:49 Know your risk before the market teaches you 23:50 Rebalancing after strong stock years 24:38 Understanding taxes by account type 27:33 Bourbon barrel investing pitch—hard pass 29:13 Custody risk and private-investment danger 31:35 No sales guests, ever 33:54 Roth IRAs for working teens 34:35 RetireMeet 2026 announcement Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the market feels calm now—but your portfolio is quietly exposed to far more risk than you realize? Brandon Bowen digs into why news headlines, index returns, and “set‑it‑and‑forget‑it” diversification can create blind spots for pre‑retirees. He breaks down how overconcentration, hidden overlap, and outdated mutual funds can magnify losses when volatility returns, and why understanding your true risk level matters as retirement approaches. This episode offers a clear look at the questions every investor should ask before the next market shake‑up. 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.

2025 was the year of, "Buy more, go faster, and worry about the fallout later." We put the innovation agenda on the company credit card. But as we enter 2026, the music has stopped, the lights have come on, and the tab is coming due.This week, I'm declassifying what I call the "AI Hangover." Many headlines continue screaming about the next model release and fueling the FOMO, but if you're a business leader, you shouldn't be worried about GPT-6. You need to be worried about incoming fallout of bad decisions and the "Workslop" clogging your current operations.  I spent the last 12 months analyzing the crash before it happened so you don't have to. In this episode, I move past the vendor hype to focus on the three "Market Truths" that prove the party is over. We're transitioning from a year of reckless consumption to a year of necessary cleanup.The real risk isn't that you missed the AI boat; it's that you're driving a supercar on unpaved roads. I break down the three massive failures happening in the market right now:​ The "Ready, Fire, Aim" Failure: Why buying the Ferrari (Enterprise AI) before paving the roads (Data & Readiness) has left organizations with "Silos on Steroids" and pilot purgatory.  ​ The "Workslop" Crisis: Why 2025's "Slop" (Word of the Year) is becoming 2026's corporate nightmare. We discuss why measuring usage is lying to you about value, and the "Productivity Paradox" of generating code bugs faster than ever.  ​ The "Agentic Letdown": The data is in—the robots aren't coming to save us. The "autonomy gap" proves that AI agents cannot run your company, and relying on them to do so is a recipe for catastrophe.  If you're a leader wondering how to clean up the mess without stopping innovation, I share the infrastructure you need to survive.​ The Diagnostic Check: Stop prescribing medicine before checking vitals. Why you need a "Pathfinder Pulse" to map your readiness before you spend another dollar.  ​ The Quality Audit: How to use the "AI Effectiveness Rating" (AER) to distinguish between digital leverage (nutrition) and digital noise (fast food).  ​ The Human Upgrade: Why the "Agentic Future" actually requires more human strategic fluency, not less—and why the Future-Focused Academy is the bridge to safety.  By the end, I hope you'll see this "hangover" not as a failure, but as a necessary signal to stop consuming and start digesting. The party is over, but the real work is just beginning.⸻If this conversation helps you think more clearly about the future we're building, make sure to like, share, and subscribe. You can also support the show by ⁠buying me a coffee.And if your organization is wrestling with how to lead responsibly in the AI era, balancing performance, technology, and people, that's the work I do every day through my consulting and coaching. Learn more at https://christopherlind.co.⸻Chapters:00:00 – The "Morning After": Why 2026 is the Year the Bill Comes Due02:40 – The Context: Moving from "More" (2025) to "Better" (2026)04:30 – Market Truth #1: The "Ready, Fire, Aim" Failure & Shadow AI08:00 – The First Fix: The Pathfinder Pulse Diagnostic10:30 – Market Truth #2: The Rise of "Workslop" & The Productivity Paradox17:20 – The Second Fix: The AI Effectiveness Rating (AER)19:50 – Market Truth #3: The "Agentic Letdown" & The Autonomy Gap24:00 – The Talent Pivot: Why We Need System Architects, Not Just Prompters26:40 – The Third Fix: Launching Future-Focused Academy29:45 – Closing: 3 Steps to Stop the Bleeding & Get Home Safe  #AIHangover #Workslop #2026Predictions #AIStrategy #DigitalTransformation #FutureFocused #ChristopherLind #LeadershipDevelopment #AER #PathfinderPulse

This episode dismantles the idea that successful investing comes from finding the next hot thing. Instead, Don and Tom argue that good portfolios are built by eliminating what doesn't belong: actively managed funds, sector ETFs, alternatives, high-yield bonds, gold, and other distractions that add complexity without purpose. Drawing on a Morningstar column by Amy Arnott, they reinforce that most investing mistakes come from chasing performance rather than embracing simplicity and discipline. The show also tackles listener questions on retirement “bucket” strategies, rebalancing timing, Dimensional fund structure, and annuities—emphasizing that bonds exist for stability, cash should be limited and intentional, and any strategy must be personal, rules-based, and boring enough to actually work. 0:04 Opening banter, Apple censoring Tom's name, and the beige pudding world 1:12 Bitcoin critics, one-star reviews, and a bad 2025 for crypto 2:03 Core idea: good investing is about elimination, not prediction 2:56 Amy Arnott and the case against active management 4:07 Why past winners usually become future losers 5:28 REITs, once useful, now mostly redundant 6:01 Sector funds as performance-chasing traps 8:19 Alternatives, I Bonds, and junk bonds—complexity without payoff 10:04 Bonds explained properly: stability, not income or excitement 11:14 Gold (and Bitcoin) as non-productive speculation 13:21 Simplify first and portfolios become easier—and calmer 15:05 Retirement bucket strategy: where it helps and where it hurts 18:48 Cash as an emergency tool, not a long-term holding 21:04 MYGA annuities, safety trade-offs, and insurer risk 29:04 Insurance failures as cautionary history 31:04 DFAW explained: Core Equity 1 vs Core Equity 2 35:53 Rebalancing discipline: timing beats tinkering 39:11 Final reminder: stop watching your portfolio so much Learn more about your ad choices. Visit megaphone.fm/adchoices

Cancer Full Moon • January 3, 2026 This Cancer Full Moon brings a powerful culmination and emotional reckoning as the Moon in Cancer opposes the Sun in Capricorn. This lunation highlights the polarity between care and control, nourishment and authority, feeling and responsibility. The Moon is strong in her home sign and conjunct Sirius, the spiritual Sun, heightening intuition, emotional truth, and higher guidance. Within hours, the Moon joins Jupiter in Cancer, amplifying compassion, emotional wisdom, and the potential for healing. Opposite the Moon, a rare Capricorn stellium—the Sun conjunct Mars and Venus, alongside Quaoar and Pholus—marks a rebalancing of divine masculine and feminine energies and reveals tipping points where small choices carry lasting consequences. A Cardinal Grand Cross, involving Salacia in Aries and Makemake in Libra, brings urgency, initiation, and the call to act differently. Meanwhile, Uranus conjunct Algol and Sedna exposes illusion, deception, and outdated survival patterns. This Full Moon invites emotional honesty, sovereign care, and the courage to integrate power with tenderness—personally and collectively. You can find the blog post here: https://www.everythingisenergyapothecary.com/podcast/cancer-super-full-moon-emotional-truth-amp-the-rebalancing-of-power

Zum Jahresabschluss begrüßen wir Sie zu einer neuen Folge des Finanzdialogs von Sommese & Kollegen. Am 31. Dezember richtet Moderator Volker Pietzsch den Blick gemeinsam mit Finanzstratege Antonio Sommese auf drei typische Fallen, die Anlegerinnen und Anleger rund um den Jahreswechsel besonders häufig begleiten: Aktionismus, emotionale Entscheidungen und hartnäckige Steuer-Mythen. Die Folge bietet eine klare Einordnung, warum gerade zum Jahresende Besonnenheit oft die bessere Strategie ist. Im Mittelpunkt steht eine praxisnahe 6-Punkte-Checkliste, mit der sich Liquidität, Depotstruktur, Rebalancing, Kosten und bestehende Verträge strukturiert überprüfen lassen. Ziel ist es, das alte Jahr sauber abzuschließen und mit Klarheit, Ordnung und Ruhe ins neue Jahr zu starten – frei von unnötigen Schnellschüssen und Fehlannahmen. DIALOG MODERIERT Volker Pietzsch Gast: Finanzstratege Antonio Sommese Sommese & Kollegen | Ihr Vermögen sicher klug aufbauen Webinare | Sommese & Kollegen Blog | Sommese & Kollegen

In this last episode of 2025, Fernando, Pierce, Baafi and Josh dive into their biggest financial lessons and highlights from 2025. Tune in and learn about essential ideas that will help you have big financial wins in 2026, including: building a life around meaningful work through financial freedom, the power of delayed gratification, how to balance portfolio wins and losses, and why grit and discipline may be your most valuable long-term investments.Timestamps0:00 Intro1:13 Market Hustle 2025 wrapped2:48 Check-in with co-hosts6:20 Nobody knows anything, just invest for the long term11:01 Stay consistent with your investing values11:59 Your answer to delayed gratification needs to be “yes”16:52 Small decisions lead to big wins18:24 The heavy swings in the market in 202524:19 Investing for the long term29:26 Investing beliefs around crypto & bitcoin34:39 Self-reflection to actually enjoy the fruits of your financial labor39:25 Breaking generational money patterns47:40 Diversify the profits53:55 Rebalancing losses and diversifying55:52 Grit is essential to do well in life57:23 Knowing when enough is enough1:02:13 Being able to work on whatever you want1:04:41 Celebrate the small wins & play your own game1:12:33 Thank you message from The Market HustleWhat did you think of the episode? Let us know!Support the show

This episode originally aired as #432 on 5/22/24 and we are bringing it to you again! Parasite cleansing has become a hot topic in the natural health world, but it can feel a little overwhelming. Are you confused about where to start or how to do a cleanse yourself? On this episode of Vitality Radio, Jared demystifies the process by sharing his experience along with his wife's, and a thorough breakdown of the entire process, the products, and what to expect. You'll learn a couple of ways to approach parasite cleansing and which one might be right for you or your family, including kids.  If you never thought about parasites being a problem in America, think again! For a deeper understanding of why parasites are indeed a bigger problem than is understood by most, be sure to listen to Jared's interviews with Dr. Todd Watts and Dr. Jay Davidson - the founders of CellCore.Products:CellCore Para KitVitality Nutrition Parasite CleanseVital 5 Precision Probiotic Vital SporesMagnesium BisglycinateCellCore Bowel MoverLife Seasons Regulari-TRedmond RelyteTrace Minerals Endure Drops***Inquire for capsule-free protocol Additional Information:For information on coaching options and personalized support, please email jessica@vitalitynutrition.comVitality Wellness Community Detox & Support GroupVitality Radio Podcast Listener Community#359: Comprehensive Detoxification of Parasites, Lyme, and Other Toxins With Dr. Todd Watts of CellCore Biosciences#431: Are Parasites Part of Your Health Concerns? With Dr. Jay Davidson#385: Rebalancing and Healing the Body Through Functional Medicine Detoxification With Dr. Stephen Cabral#258: Your Magnesium User's Guide***Be sure to check out all of the Emotional Vitality Episodes, including Jen's Story mentioned in this showVisit the podcast website here: VitalityRadio.comYou can follow @vitalityradio and @vitalitynutritionbountiful on Instagram, or Vitality Radio and Vitality Nutrition on Facebook. Join us also in the Vitality Radio Podcast Listener Community on Facebook. Shop the products that Jared mentions at vitalitynutrition.com. Let us know your thoughts about this episode using the hashtag #vitalityradio and please rate and review us on Apple Podcasts. Thank you!Please also join us on the Dearly Discarded Podcast with Jared St. Clair.Just a reminder that this podcast is for educational purposes only. The FDA has not evaluated the podcast. The information is not intended to diagnose, treat, cure, or prevent any disease. The advice given is not intended to replace the advice of your medical professional.

Our Chief Cross-Asset Strategist Serena Tang discusses how current market conditions are challenging traditional investment strategies and what that means for asset allocation.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Serena Tang, Morgan Stanley's Chief Cross-Asset Strategist.Today – does the 60/40 portfolio still make sense, and what can investors expect from long-term market returns?It's Monday, December 22nd at 10am in New York.Global equities have rallied by more than 35 percent from lows made in April. And U.S. high grade fixed income has seen the last 12 months' returns reach 5 percent, above the averages over the last 10 years. This raises important questions about future returns and how investors might want to adapt their portfolios.Now, our work shows that long-run expected returns for equities are lower than in previous decades, while fixed income – think government bonds and corporate bonds – still offers relatively elevated returns, thanks to higher yields.Let's put some numbers to it. Over the next decade, we project global equities to deliver an annualized return of nearly 7 percent, with the S&P 500 just behind at 6.8 percent. European and Japanese equities stand out, potentially returning about 8 percent. Emerging markets, however, lag at just about 4 percent. On the bond side, we think U.S. Treasuries with a 10-year maturity will return nearly 5 percent per year, German Bunds nearly 4 [percent], and Japanese government bonds nearly 2 [percent]. They may sound low, but it's all above their long-run averages.But here's where it gets interesting. The extra return you get for taking on risk – what we call the risk premium – has compressed across the board. In the U.S., the equity risk premium is just 2 percent. And for emerging markets, it's actually negative at around -1 percent. In very plain terms, investors aren't being paid as much for taking on risk as they used to be.Now, why is this the case? It's because valuations are rich, especially in the U.S. But we also need to put these valuations in context. Yes, the S&P 500's cyclically adjusted price-to-earnings ratio is near the highest level since the dotcom bubble. But the quality of the S&P 500 has improved dramatically over the past few decades. Companies are more profitable, and free cash flow -- money left after expenses -- is almost three times higher than it was in 2000. So, while valuations are rich, there's some justification for it.The lower risk premiums for stocks and credits, regardless of whether we think they are justified or not, has very interesting read across for investors' multi-asset portfolios. The efficient frontier – meaning the best possible return for any given level of portfolio risk – has shifted. It's now flatter and lower than in previous years. So, it means taking on more risk in a portfolio right now won't necessarily boost returns as much as before.Now, let's turn our attention to the classic 60/40 portfolio – the mix of 60 percent stocks and 40 percent bonds that's been a staple strategy for generations. After a tough 2022, this strategy has bounced back, delivering above-average returns for three years in a row. Looking ahead, though, we expect only around 6 percent annual returns for a 60/40 portfolio over the next decade versus around 9 percent average return historically. Importantly though, advances in AI could keep stocks and bonds moving more in sync than they used to be. If that happens, investors might benefit from increasing their equity allocation beyond the traditional 60/40 split.Either way, it's important to realize that the optimal mix of stocks and bonds is not static and should be revisited as market dynamics evolve.In a world where risk assets feel expensive and the old rules don't quite fit, it's essential to understand how risk, return, and correlation work together. This will help you navigate the next decade. The 60/40 portfolio isn't dead – and optimal multi-asset allocation weights are evolving. And so should you.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Jason Betz discusses the market's current state, noting that a "no news is good news" environment is driving year-end excitement. He suggests that while a "Santa Claus rally" is possible, investors should remain cautious. Betz emphasizes rebalancing portfolios, trimming high-flying stocks, and being properly allocated for 2026, which he expects to be "more boring." Betz also highlights potential in U.S. small-cap stocks and international markets, noting that a weakening U.S. Dollar could benefit foreign currency holdings for U.S. investors.======== 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

Magnus is back with a master class on how to buy art.In Episode #506 of 'Meanderings', Juan and I discuss: the big blank wall behind us, how to choose something meaningful for your home, Magnus Resch's books 'How To Become A Successful Artist' and 'How to Collect Art', why branding and networking matter in the art world, why most buyers should treat art as a sunk cost and purchase only what they truly love, practical buying tips (galleries, fairs, auctions, pricing signals), comparing art collecting with car collecting, digital art and NFTs as a way to prove ownership and enable utility and reflect on building personal connection to pieces and artists. No support for this week, so the Chux Cloth beanie stays off.Stan Link: https://stan.store/meremortalsTimeline: (00:00:00) Intro(00:01:03) Two books by Magnus Resch(00:06:08) Defining success and the pyramid of artist types(00:11:06) Practicalities for artists: branding, pricing and Instagram(00:13:01) How to Collect Art – structure of the market and roles(00:18:18) What is a fair price? Treat purchases as sunk costs(00:23:53) Buy what you love: quotes and guiding principles(00:26:18) Access, opacity and why networking is crucial(00:34:46) Car collecting vs art collecting: rarity and value(00:41:11) Tactics: auctions, fairs, timing and discounts(00:41:53) Boostragram lounge and value‑for‑value break(00:43:12) Personal shifts: curating with sentiment and story(00:52:49) NFTs 101: ownership, authenticity and utility(00:58:02) Rebalancing a digital collection: fewer, loved pieces(01:01:30) Wrap‑up lessons and next week's AI intent teaser Connect with Mere Mortals:Website: https://www.meremortalspodcasts.com/Discord: https://discord.gg/jjfq9eGReUTwitter/X: https://twitter.com/meremortalspodsInstagram: https://www.instagram.com/meremortalspodcasts/TikTok: https://www.tiktok.com/@meremortalspodcastsValue 4 Value Support:Boostagram: https://www.meremortalspodcasts.com/supportPaypal: https://www.paypal.com/paypalme/meremortalspodcast

A single question ignites this week’s conversation: Can you really live on investment income alone in retirement? In this episode from this past weekend’s radio show, Abe Abich breaks down why income planning isn’t one‑size‑fits‑all, how risk should shift as you approach retirement, and what consolidation, diversification, and tax‑smart strategies can mean for long‑term stability. He also explores Roth opportunities, rebalancing habits, and the mindset change needed when moving from saving to spending. A focused, practical discussion for anyone navigating the transition into retirement’s “phase two.” 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.

It's the most wonderful time of the year, when asset managers release their prognostications for the next 12 months, and investors hope that a Santa rally delivers a late-December boost to their portfolios. In our last episode of 2025, Brian Levitt explains why he wanted to name Invesco's 2026 outlook “K-Pop,” but decided on “Resilience and Rebalancing” instead. (Invesco Distributors, Inc.)

In this episode of Excess Returns, we sit down with David Wright, Head of Quantitative Investing at Pictet Asset Management, for a deep and practical conversation about how artificial intelligence and machine learning are actually being used in real-world investment strategies. Rather than focusing on hype or black-box promises, David walks through how systematic investors combine human judgment, economic intuition, and machine learning models to forecast stock returns, construct portfolios, and manage risk. The discussion covers what AI can and cannot do in investing today, how machine learning differs from traditional factor models and large language models like ChatGPT, and why interpretability and robustness still matter. This episode is a must-watch for investors interested in quantitative investing, AI-driven ETFs, and the future of systematic portfolio construction.Main topics covered:What artificial intelligence and machine learning really mean in an investing contextHow machine learning models are trained to forecast relative stock returnsThe role of features, signals, and decision trees in quantitative investingKey differences between machine learning models and large language models like ChatGPTWhy interpretability and stability matter more than hype in AI investingHow human judgment and machine learning complement each other in portfolio managementData selection, feature engineering, and the trade-offs between traditional and alternative dataOverfitting, data mining concerns, and how professional investors build guardrailsTime horizons, rebalancing frequency, and transaction cost considerationsHow AI-driven strategies are implemented in diversified portfolios and ETFsThe future of AI in investing and what it means for investorsTimestamps:00:00 Introduction and overview of AI and machine learning in investing03:00 Defining artificial intelligence vs machine learning in finance05:00 How machine learning models are trained using financial data07:00 Machine learning vs ChatGPT and large language models for stock selection09:45 Decision trees and how machine learning makes forecasts12:00 Choosing data inputs: traditional data vs alternative data14:40 The role of economic intuition and explainability in quant models18:00 Time horizons and why machine learning works better at shorter horizons22:00 Can machine learning improve traditional factor investing24:00 Data mining, overfitting, and model robustness26:00 What humans do better than AI and where machines excel30:00 Feature importance, conditioning effects, and model structure32:00 Model retraining, stability, and long-term persistence36:00 The future of automation and human oversight in investing40:00 Why ChatGPT-style models struggle with portfolio construction45:00 Portfolio construction, diversification, and ETF implementation51:00 Rebalancing, transaction costs, and practical execution56:00 Surprising insights from machine learning models59:00 Closing lessons on investing and avoiding overtrading

Today, we note the extension of the recent boom in the broader market and small caps relative to tech, as the relative rotation away from AI continues and Broadcom is the latest AI/tech megacap to be punished despite reporting strong results for last quarter after the close yesterday. We also profile an intriguing and wildly successful name for the last thirty years that reports next week, assessing Micron and its massive advance. Lots more on today's pod as well, especially on macro and FX and ongoing concern about the US treasury market and its potential to drive market volatility. Today's pod features Saxo Equity Strategist Ruben Dalfovo and is hosted by Saxo Global Head of Macro Strategy John J. Hardy. Links discussed on the podcast and our Chart of the Day can be found on the John J. Hardy substack (within one to three hours from the time of the podcast release). Read daily in-depth market updates from the Saxo Market Call and the Saxo Strategy Team here. Please reach out to us at marketcall@saxobank.com for feedback and questions. Click here to open an account with Saxo. Intro and outro music by AShamaluevMusic DISCLAIMER This content is marketing material. Trading financial instruments carries risks. Always ensure that you understand these risks before trading. This material does not contain investment advice or an encouragement to invest in a particular manner. Historic performance is not a guarantee of future results. The instrument(s) referenced in this content may be issued by a partner, from whom Saxo Bank A/S receives promotional fees, payment or retrocessions. While Saxo may receive compensation from these partnerships, all content is created with the aim of providing clients with valuable information and options.

Today's episode tackles a wide mix of practical questions. We explore the pros and cons of unions for doctors, how to protect yourself from ACATS fraud, and what you need to know about vesting rules. We also dig into an asset allocation question, upcoming changes to HSA plans in 2026, and whether it makes sense to exchange a mutual fund for its ETF counterpart. It's a packed episode with insights you can put to use right away. Today's episode is brought to us by SoFi, the folks who help you get your money right. Paying off student debt quickly and getting your finances back on track isn't easy, but that's where SoFi can help — they have exclusive, low rates designed to help medical residents refinance student loans—and that could end up saving you thousands of dollars, helping you get out of student debt sooner. SoFi also offers the ability to lower your payments to just $100 a month* while you're still in residency. And if you're already out of residency, SoFi's got you covered there too. For more information, go to https://www.whitecoatinvestor.com/Sofi SoFi Student Loans are originated by SoFi Bank, N.A. Member FDIC. Additional terms and conditions apply. NMLS 696891. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter  00:00 WCI Podcast #449 01:19 Unions in Healthcare 05:43 ACATS Fraud: What You Need to Know 16:43 Vesting in Employer's Retirement Accounts 19:42 Rebalancing vs. Paying Capital Gains 27:33 HSA Eligible Healthcare Plans 34:34 Swapping Mutual Funds for ETFs

Jeremy Keil explores 7 money moves you can consider before the new year to lower your taxes and keep more of your money in retirement. Every December, people scramble to finish holiday shopping, travel plans, and year-end tasks. But one of the most important deadlines — your December 31st tax deadline — often gets overlooked until it's too late. And once the calendar flips to January 1st, many of the smartest tax moves disappear. In this episode of Retire Today, I walk through seven year-end tax steps you should consider to make sure April brings fewer surprises and more savings. With new tax laws taking effect, the stock market sitting near all-time highs, and contribution limits shifting in the coming years, this is the perfect moment to take control of your finances. 1. Manage Your Tax Bracket Before the Year Ends Your income may fluctuate from year to year — especially in retirement. Some retirees have unusually high-income years due to bonuses, pension payouts, early retirement packages, stock vesting, or unexpected distributions. Others have abnormally low-income years. If you're experiencing a higher income year, now is the time to pull deductions forward. Charitable giving, donor-advised fund contributions, and other deductible expenses can help lower your taxable income. If you're in a lower income year, you might choose to accelerate income instead — such as doing a Roth conversion or taking extra withdrawals at a better tax rate. Year-end planning starts with projecting your tax return and understanding which direction to go. 2. Harvest Capital Losses — and Sometimes Gains Even in years when the market is high overall, you may still have individual positions sitting at a loss. Harvesting those losses can offset gains or reduce taxes now or in the future. On the flip side, some retirees find themselves in the 0% long-term capital gains bracket, which creates the perfect opportunity to harvest capital gains on purpose. When you're in a low tax bracket and gains cost nothing, you can reset your cost basis without additional tax. This is one of the most underused year-end strategies — especially when markets have been climbing. 3. Review Mutual Fund Capital Gain Distributions Many mutual funds issue their capital gain distributions in December. You may not receive the money in cash, but it still counts as taxable income. Look up the estimated year-end distributions from your fund companies and double-check your brokerage account. Mutual fund distributions have surprised many retirees — and they can lead to unnecessary underpayment penalties if tax withholding isn't adjusted in time. 4. Get Your Tax Withholding Correct Years ago, tax underpayment penalties weren't a big deal. But with high interest rates today, penalties now operate more like expensive interest charges for not paying taxes in the proper quarterly schedule. If you expect to owe money for 2025, you may want to adjust withholding from your paycheck, pension, Social Security, or IRA distributions. For retirees over 59½, using IRA withholding is one of the easiest ways to catch up — and it is treated as if it was paid evenly all year. To avoid penalties, don't wait until spring. Make corrections before December 31st. 5. Use Qualified Charitable Distributions (QCDs) If you're age 70½ or older, QCDs allow you to donate directly from your traditional IRA to charity tax-free. This is often better than taking withdrawals and giving afterward — especially if you use the standard deduction. Even if you're not yet required to take RMDs, QCDs can reduce your future RMD burden and help you give in a more tax-efficient way. With 2025 bringing updated QCD limits and ongoing rule changes, it's smart to review your giving strategy now. 6. Make Annual Exclusion Gifts Before Year-End In 2025, the annual exclusion gift limit is $19,000 per person — and it remains the same for 2026. If you're planning to help your children or grandchildren, consider spreading the gifts across the end of this year and the beginning of next year to maximize tax-free amounts. For education planning, 529 plans also allow “superfunding,” letting you front-load up to five years' worth of gifts. Year-end is an ideal time to execute these strategies thoughtfully. 7. Rebalance Your Investments (Especially After a Big Market Year) When markets rise sharply, your portfolio may drift into a risk level you never intended. A portfolio that started at 60% stocks may now sit at 68% or higher. That's more risk than you signed up for — especially if you are nearing retirement. Rebalancing is a critical part of your year-end checklist. It brings your risk back in line, prepares your portfolio for the next year, and supports the long-term stability of your retirement plan. The Bottom Line Year-end planning isn't just about taxes — it's about taking control. Whether it's adjusting your income, harvesting gains or losses, fixing withholding, giving strategically, gifting to family, or rebalancing your investments, December is your opportunity to make meaningful changes before the window closes. Don't let the deadline sneak up on you. Start now so April feels predictable — not painful. Enjoying these episodes? Make sure to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337 Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA® is a financial advisor in Milwaukee, WI, author of the bestseller Retire Today: Create Your Retirement Master Plan in 5 Simple Steps and host of both the Retire Today Podcast and Mr. Retirement YouTube channel Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “QCDs: The Tax-Smart Way to Give in Retirement (2025 Qualified Charitable Distributions Guide)” – Mr. Retirement YouTube Channel Create Your Retirement Master Plan in 5 Simple Steps Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

There is something incredibly liberating that happens when you realize your genes are not a life sentence. We have all been told that if a gene runs in your family, you're destined to live out the same story. Celiac. MTHFR. Hashimoto's. Breast cancer genes. We're taught to brace ourselves instead of learning how to influence the environment those genes live in. When the gut is overwhelmed, the immune system stays in a reactive state, and in that environment certain genes become more expressive than they would in a balanced body. And as the gut heals and the immune system steadies, those expressions often soften again.When we move through life in the energy of fearing our bodies, or resenting the parts of us that feel complicated or confusing, it creates a disconnect. Not just within us, but within our children. They feel it. They feel the way we brace around certain symptoms. They feel the heaviness we carry when we believe something is wrong with us, or wrong with them. Our energy teaches them what to believe about their own bodies, the world around them, and what is possible or impossible.If your child has a gene variant that society labels as undesirable, the most healing thing you can offer them is not fear. It's acceptance. It's steadiness. It's the belief that their body is not broken. Because when you hold that belief, they learn to hold it too.Your body is not something you need to fear. Your child's body is not something to fix. Every single part of you was designed on purpose. Every one of your gene variants is a page in your story. And when certain genes express, it is an invitation. It is your body communicating with you and bringing you back into alignment so you can show up in your life as the best version of you.. It is your body asking you to come closer, not pull away.When you view your body through this lens, everything shifts. You stop battling yourself. You stop bracing for what might happen. You begin partnering with your body instead of fearing it. And this is where your deepest power lives. In relationship. In understanding. In the environment you create on the inside.Your genes respond to you. They respond to the way you live, the way you nourish yourself, the way you support your gut and your nervous system, the way you speak to yourself, the way you choose to show up every day. And the more safety and nourishment you bring into your life, the more your genes settle into the expression that serves you.This is the freedom of gene expression. This is the empowerment that no lab report can ever take away from you. Thanks for listening! I would love to connect with you ♡ Subscribe to the Nourished Newsletter Explore the Gut Rebalance Kits Visit our FAQ's Follow along on a Instagram Take the free Gut Health Quiz Email us at customercare@onleorganics.com Sending love and wellness from my family yours,xx - Juniper BennettFounder of ōNLē ORGANICS

In this episode, Don and Tom saddle up for a tour through Schwab's “Good, Bad, and Ugly.” They applaud CEO Rick Wurster's warning about the growing overlap between gambling and investing, take a hard look at Schwab's retail-side conflicts and non-fiduciary sales practices, and then recoil at the truly ugly: Schwab's acquisition of Forge Global and its push to open private-company speculation to everyday investors. From there, they field listener questions about crypto's pointless search for a purpose, how to implement a disciplined 5 percent retirement withdrawal strategy, the ins and outs of tax-free Vanguard mutual-fund-to-ETF conversions, and whether a younger spouse should convert a large TSP balance to Roth. It's classic Talking Real Money: skeptical, practical, consumer-first, and mildly exhausted by the Wild West of modern finance. 0:04 Investing as the Wild West and why caveat emptor still defines the industry 0:24 Schwab's role as custodian vs. broker and how they reshaped trading costs 1:14 Schwab's discount-broker origins and institutional dominance 2:37 Free trades, market influence, and why Schwab became the industry's leader 3:52 CEO Rick Wurster's warning about gambling creeping into investing 4:43 Sports betting numbers, prop bets, and why only 5 percent come out ahead 5:54 The “bad”: Schwab retail selling and the fiduciary confusion 6:40 The “ugly”: Schwab buying Forge Global and pushing private-company speculation 7:23 Why private equity is riskier, pricier, illiquid, and over-hyped 8:17 The myth of private companies outperforming public ones 9:22 Why the Wild West persists: weak oversight, self-dealing, and revolving doors 10:48 Listener question: stablecoins, crypto legitimation, and the greater-fool problem 13:00 Currency concerns and why crypto still solves nothing 13:50 5 percent withdrawal strategy: when and how to draw from your portfolio 15:28 Rebalancing, total return withdrawals, and annual cash-flow discipline 16:47 Why withdrawals should follow rebalancing, not lead it 17:56 Vanguard mutual-fund-to-ETF conversions: how they work and why they're useful 20:10 Expense-ratio savings vs. capital-gains distributions 20:55 TSP-to-Roth conversion question: tax-rate timing matters 22:44 Only convert if you can pay taxes from outside savings 23:08 Reminder: free adviser meetings, no sales pressure 24:10 TRM's longevity and approaching episode 2,000 Learn more about your ad choices. Visit megaphone.fm/adchoices

French President Emmanuel Macron is visiting China with a delegation of business leaders, seeking more Chinese investment in France and a reduction in the trade deficit. We take a closer look. Also in this edition: the Trump administration plans to loosen US fuel efficiency standards, to the delight of carmakers and the dismay of climate advocates.

End-of-Year Financial Checklist + AssetBuilder Office Move Announcement In this practical end-of-year episode of the Keep It Simple Podcast, Joey Badinger – Lead Advisor at AssetBuilder – sits down with Adam Morse (Senior Lead Advisor) and Tommy Williams (Associate Advisor) to walk through a clear, no-nonsense checklist you should review before December 31. Recorded from AssetBuilder's headquarters in Plano, Texas, the team covers retirement contributions, Roth conversions, tax-loss harvesting, RMDs, charitable giving, portfolio rebalancing, and even thoughtful strategies for gifting to kids and grandkids—without accidentally harming your own retirement plan. They close with a major announcement: AssetBuilder is moving its headquarters to the Allen Tech Hub at Waters Creek—and explain what that means for clients, the team, and the next decade of growth. Whether you're a DIY investor or working with an advisor, this episode gives you a clean, actionable framework to finish the year financially strong. Timestamps 00:00 – Intro & important disclosure 00:40 – Welcome from AssetBuilder HQ in Plano, TX 01:15 – Meet the team: Joey Badinger, Adam Morse (Senior Lead Advisor), and Tommy Williams (Associate Advisor) 02:00 – Conference recap: Vegas Financial Planning Conference & Alts Texas (CFA Society / Markets Group / CAIA) 06:50 – Hard pivot: why “boring, simple” tasks drive the biggest long-term results 08:00 – Checklist #1: Maxing out 401(k), IRA & Roth IRA contributions for 2025 11:45 – Checklist #2: Roth conversions – what they are, how they work, and ideal timing 15:45 – Checklist #3: Tax-loss harvesting – when it makes sense & when it doesn't 18:30 – Checklist #4: RMDs, inherited IRA rules, and QCD charitable giving 22:30 – Checklist #5: Rebalancing, diversification, and handling concentrated stock positions 27:30 – Checklist #6: Reviewing beneficiaries, cash reserves & liquidity 31:45 – Smart gifting: helping kids without jeopardizing your own retirement 37:40 – Final recap: What to do if you haven't done any of this yet 39:30 – Big announcement: AssetBuilder is moving to the Allen Tech Hub at Waters Creek 44:30 – New office details, build-out, and client experience upgrades 46:00 – Closing & how to get in touch with the AssetBuilder team Hosted by: Joey Badinger Featuring: Adam Morse, Senior Lead Advisor — Tommy Williams, Associate Advisor Podcast: Keep It Simple by AssetBuilder Location: Plano, Texas → moving to Allen Tech Hub (Waters Creek) Website: assetbuilder.com Questions? Email podcast@assetbuilder.com  or book a consultation on the website. If this episode helped you prepare for 2026, LIKE, SUBSCRIBE, and tap the bell—new episodes drop weekly with simple, evidence-based investing guidance. #YearEndChecklist #RetirementPlanning #RothConversion #TaxLossHarvesting #BehavioralFinance #AssetBuilder #KeepItSimplePodcast #IndexInvesting #WealthBuilding2025 #PersonalFinance

Do you ever wonder why it feels like everyone else is healing faster than you or your child?Comparing timelines is something I see a lot of and it's something I have experienced myself. It can be really hard to be months into your journey and see someone else making remarkable progress in just two days! There's this quiet pressure most women carry, and no one really talks about it out loud. The pressure to grow faster. Heal faster. Figure things out faster. To not fall behind. To keep pace with whatever invisible timeline we think we're supposed to be on. And when healing is part of the story, that pressure multiplies. You start comparing your child's progress to someone else's. You compare how quickly someone else's skin cleared or how fast another woman felt “better” in her body. You start thinking your timeline means something about you. Or your motherhood. Or your effort. Or the choices you've made.Your timeline is not a measure of how well you're doing. Your timeline is a mirror of who you're becoming.Healing isn't just symptoms leaving the body. It's the nervous system learning safety again. It's the mind slowly moving out of survival mode. It's the body trusting itself enough to let go of things it's been holding for years, gosh, for most of us… our entire lives. And deep growth, the kind you actually feel in your bones, never happens on a schedule. It unfolds in the pace your life can hold. The pace your motherhood can hold. The pace your nervous system can hold.Thanks for listening! I would love to connect with you ♡ Subscribe to the Nourished Newsletter Explore the Gut Rebalance Kits Visit our FAQ's Follow along on a Instagram Take the free Gut Health Quiz Email us at customercare@onleorganics.com Sending love and wellness from my family yours,xx - Juniper BennettFounder of ōNLē ORGANICS

It's easy to blame algorithms and AI for corroding our information ecosystem, but our guest this week argues that we have a just as much, if not more of a role to play in creating the environment we want to see. Ray Block Jr. is the Brown-McCourtney Career Development Professor at Penn State and the Michael D. Rich Chair in Countering Truth Decay and RAND Corporation. He joins us to discuss the new report, "Rebalancing the Information Ecosystem and Renewing Shared Societal Commitments for Information Use," published by RAND earlier this fall. Block's scholarly research includes community organizing and social identity. You'll hear that perspective come through in this conversation, which focuses on how social fabric — not fact checking or tech policy —is the key to creating a healthy information environment and, in turn, a healthy democracy. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

December 1, 2025 | Season 7 | Episode 44Markets don't move in straight lines, and neither do we. As December kicks off, we zoom out to habits and time—how focus shapes results—and then zoom right back into a surprisingly strong rally that flipped leadership from NVIDIA-linked names toward Alphabet's fast-rising AI stack. Gemini's leap and seventh-generation TPUs put Google's custom silicon and data advantage in the spotlight, while shifting rate-cut odds, a firmer BOJ tone, and commodity strength stirred the macro mix.We unpack why December often favors equities—tax-loss selling fades, window dressing appears, and holiday sentiment lifts risk—and where that seasonality can mislead. From there, we map the rotation: NVIDIA demand remains intense, but investors began pricing credible competition and diversified AI exposure through Alphabet's platforms. On the company front, we break down Barron's bullish case for Alphabet's monetization runway across Search, YouTube, Cloud, and devices, then pivot to Amazon's staggering capex engine. Three-hour delivery in select cities, expanding same-day reach in rural areas, one million robots, and AI tools like Rufus demonstrate how logistics, software, and ads compound into conversion and cash flow—especially if capex normalizes after the buildout.No AI story is complete without power. That's why we explore Dominion Energy's setup as data-center demand reshapes the utility outlook in Virginia, even as offshore wind risks ease and load growth accelerates. Finally, we translate looming 2025–2026 tax changes into action: Roth-only catch-up contributions for higher earners, updated deductions, and planning choices that can lift after-tax returns. The throughline is clarity—identify real leadership shifts, connect them to the physical infrastructure beneath them, and align with a tax framework that supports your goals. If this helped you think sharper about year-end moves, subscribe, share with a friend, and leave a quick review—what rotation are you positioning for next?** 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

After you listen:Check out the first episode of this two-part series, "What Makes a Financial Plan Fit Your Life?"Explore Schwab's other educational resources around financial planning.In this episode of Financial Decoder, Mark Riepe and Steph Shadel delve into the intricacies of financial planning and portfolio management. They discuss the importance of aligning a portfolio with your financial goals, understanding risk tolerance, and the significance of diversification and rebalancing. The conversation also addresses common misconceptions about portfolio management, the emotional aspects of investing, and the impact of market conditions on decision-making. Additionally, they explore tax efficiency and the importance of regularly updating financial plans to reflect life changes.Financial Decoder is an original podcast from Charles Schwab. For more on the series, visit schwab.com/FinancialDecoder. If you enjoy the show, please leave us a rating or review on Apple Podcasts.Reach out to Mark on X @MarkRiepe with your thoughts on the show.Follow Financial Decoder on Spotify to comment on episodes.Important DisclosuresInvestors in mutual funds and/or ETFs should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus via . Please read the prospectus carefully before investing.This material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned are not suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions.Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal.​Past performance is no guarantee of future results.Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, municipal securities including state specific municipal securities, small capitalization securities and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy.Diversificatio, asset allocation, and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability.Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Schwab Center for Financial Research does not represent that any particular tax consequences will be obtained. Tax-loss harvesting involves certain risks including unintended tax implications. Investors should consult with their tax advisors and refer to the Internal Revenue Service (IRS) website at www.irs.gov about the consequences of tax-loss harvesting.This information is not a specific recommendation, individualized tax, legal, or investment advice. Tax laws are subject to change, either prospectively or retroactively. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager, Estate Attorney) to help answer questions about specific situations or needs prior to taking any action based upon this information. All names and market data shown are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Schwab Wealth Advisory™ ("SWA") is a non‐discretionary investment advisory program sponsored by Charles Schwab & Co., Inc. ("Schwab"). Schwab Wealth Advisory, Inc. ("SWAI") is a Registered Investment Adviser and provides portfolio management for the SWA program. Schwab and SWAI are affiliates and are subsidiaries of The Charles Schwab Corporation.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.1125-DJ7M Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this value-packed episode of Allworth's Money Matters, Scott and Pat unpack key financial strategies for high-net-worth investors navigating today's markets. From the overlooked need for regular portfolio rebalancing to smart planning for concentrated executive stock, they break down real-world scenarios with millions at stake. You'll hear a listener case involving $7M in assets, HSA withdrawal tactics, and 529 planning for seven grandkids—all through the lens of tax-smart wealth transfer. Plus, expert insights from Allworth's Head of Wealth Planning, Victoria Bogner, on avoiding massive tax traps with RSUs, ISOs, and stock options. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders 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.

Your portfolio might be due for an end-of-the-year cleanup. The Morningstar US Market Index is up about 15% through mid-November 2025, and overall performance has been strong for years (even after 2022's down market). That said, some stock sectors have performed significantly better than others, and performance can vary widely even within a sector. That could mean you'relikely holding some winners and some losers. Tax-loss harvesting could help trim your tax bill to save some money. While you're tuning up your portfolio, it could also be a good opportunity to bring your asset allocation back into balance. Morningstar portfolio strategist Amy Arnott is here to explain how to pull off both strategies.How to Rebalance Your Portfolio in a Lofty Market https://www.morningstar.com/portfolios/how-rebalance-your-portfolio-lofty-marketOn this episode:00:11 Welcome01:03 What is tax-loss harvesting, and how does it work?01:41 Is a brokerage or retirement account better suited for tax-loss selling? Why?02:12 The US stock market has experienced solid growth so far in 2025. Do up markets make it harder to spot losses?02:52 Why is tax-loss harvesting still a good strategy even when times are good?03:32 Where can investors find losses to offset gains in their portfolio this year? Let's start with stocks.04:33 And what about mutual funds and ETFs?05:17 Can you explain what wash-sale rules are, and how to play by the IRS' rules?06:39 What are some other strategic ways to take advantage of the losses?07:55 In the spirit of tuning up our portfolio, this might be a good time to rebalance. How does that work, and why can it be an emotional challenge sometimes?09:14 The 60/40 portfolio might need rebalancing. What's happened over the past decade?09:43 And what about growth versus value and US versus international stocks?10:44 What are a few tips on how to restore balance to a portfolio? 12: 48 What is the takeaway for taking this time of year to do tax-loss harvesting and rebalancing?  Watch more from Morningstar:Bond ETFs Are Surging in Popularity in 2025. Here Are 5 of the BestInvestors Still Need to Mind the Gap in Their Funds' ReturnsThe US Dollar Is Weak. Is Your Portfolio at Risk? Follow Morningstar on social:Facebook https://www.facebook.com/MorningstarInc/X https://x.com/MorningstarIncInstagram https://www.instagram.com/morningstarinc/?hl=enLinkedIn https://www.linkedin.com/company/morningstar/posts/?feedView=all Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, Kathy Jones and Liz Ann Sonders discuss the latest stock market rotations and the Federal Reserve's evolving stance on interest rates.Then, Liz Ann Sonders is joined by Peter Atwater. She and Peter delve into the concept of the Confidence Map, exploring how confidence influences decision-making and risk perception in investing. They discuss the role of sentiment in investment decisions, the impact of social media on market behavior, and the importance of portfolio construction that considers investor sentiment. The conversation also touches on the K-shaped economy, highlighting the widening economic divide and its implications for society.Peter Atwater is the author of The Confidence Map: Charting a Path from Chaos to Clarity.On Investing is an original podcast from Charles Schwab. For more on the show, visit schwab.com/OnInvesting. If you enjoy the show, please leave a rating or review on Apple Podcasts.Important DisclosuresThis material is intended for general informational and educational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Past performance is no guarantee of future results.Investing involves risk, including loss of principal. The comments, views, and opinions expressed are those of the speaker and do not necessarily represent the views of Charles Schwab.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Rebalancing may cause investors to incur transaction costs and, when a non-retirement account is rebalanced, taxable events may be created that may affect your tax liability.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. Forecasts contained herein are for illustrative purposes only, may be based upon proprietary research and are developed through analysis of historical public data.The policy analysis provided by Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.The book The Confidence Map: Charting a Path from Chaos to Clarity is not affiliated with, sponsored by, or endorsed by Charles Schwab & Co., Inc. (CS&Co.). Charles Schwab & Co., Inc. (CS&Co.) has not reviewed the books and makes no representations about its content.(1125-CU1A) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

As markets evolve and the traditional 60/40 portfolio faces new challenges, are hedge funds becoming the next core allocation for resilient investing? In this episode of Beyond Markets, William Fong, Head of Alternatives Specialists at Julius Baer for Asia and the Middle East, speaks with Joe Dowling, Senior Managing Director and Global Head of Blackstone's Multi-Asset Investing, about how the endowment model is reshaping portfolio construction.Joe shares insights on why institutions have leaned heavily into alternatives, how multi-strategy hedge funds are delivering uncorrelated returns, and what private investors can learn from the playbook of elite endowments. From risk management to the “democratisation of alternatives”, this episode explores how hedge funds may just be part of the new 60/40 for long-term investors seeking durability and diversification.This episode was recorded on 28 October 2025.(00:10) - – The endowment model (03:24) - – Is it limited to institutional investors? (05:02) - – A typical allocation split (06:28) - – The importance of a long-term approach (07:16) - – Recent criticisms of the endowment model (09:03) - – Hedge funds: a bond substitute? (11:23) - – The rise of multi-strategy funds (13:24) - – How multi-strategy funds have performed throughout volatility (15:13) - – What to look for in a good multi-strategy fund (16:33) - – Absolute return vs index investing (18:33) - – Are multi-strategy funds getting too big? (20:17) - – Are single-manager, single-strategy funds still relevant? (21:32) - – Rebalancing – a critical element (22:44) - – Fund manager expertise, and the art of portfolio construction (27:01) - – Thoughts on private equity and infrastructure (31:33) - – An ivy league education? Or an alternatives portfolio?

In this episode of Asia Inside Out, Rorry Daniels, Managing Director of the Asia Society Policy Institute (ASPI), speaks with Raja Mohan, ASPI Non-Resident Distinguished Fellow and author of the forthcoming India and the Rebalancing of Asia. Daniels and Mohan discuss India's relationship China, the U.S., and Russia; regional headwinds impacting New Delhi; and India's strategic vision for its role in a changing Asia. Asia Inside Out brings together our team and special guests to take you beyond the latest policy headlines and provide an insider's view on regional and global affairs. Each month we'll deliver an interview with informed experts, analysts, and decision-makers from across the Asia-Pacific region. If you want to dig into the details of how policy works, this is the podcast for you. This podcast is produced by the Asia Society Policy Institute, a “think-and-do tank” working on the cutting edge of current policy trends by incorporating the best ideas from our experts and contributors into recommendations for policy makers to put these plans into practice.

InvestmentNews podcast host Bruce Kelly catches up with Jeffrey Vahanian to reflect on his career and when it is time to recalibrate.

Key Takeaways from This Week's DiscussionETFs vs. Mutual Funds — Tax Efficiency MattersMutual funds often create higher annual taxes in taxable accounts. ETFs and index funds are more tax-efficient because of how they handle capital gains—saving investors up to 1% a year. Keep mutual funds inside IRAs to avoid unnecessary taxes.Equal-Weighted vs. Cap-Weighted PortfoliosThe Invesco Equal Weighted S&P 500 (RSP) holds the same 500 companies as the standard index but gives each stock equal weight. This creates different exposure and more turnover, yet the ETF version reduces the tax drag—a key advantage for long-term investors.Small-Cap Value Funds — Choosing the Right FitVBR (Vanguard) performs best when large-cap growth leads, while AVUV and DFSV outperform when smaller value companies rise. The lesson: size and style matter in long-term returns.The Power of Rebalancing & “Shannon's Demon”Mentioned by Bill Yount from the Catching Up to FI podcast,  Shannon's Demon illustrates how periodic rebalancing can turn volatility into profit. By selling high and buying low, you can enhance long-term performance while keeping risk in check.Morningstar Ratings — Don't Chase the StarsStar ratings mostly reflect recent trends, not future potential. Focus instead on the underlying asset class and decades of evidence, not last year's winners.Small-Cap Value Slump — Patience Pays OffSmall-cap value has struggled this year, but historically it offers one of the best long-term premiums. Remember: asset class selection drives up to 99% of overall portfolio performance.Risk Parity Portfolios — Balancing Risk the Smart WayPaul compared traditional diversification to risk parity, which balances exposure across stocks, bonds, and commodities. He prefers government bonds over commodities since bonds generate income and often rise when stocks fall.Diversifying Within an Asset ClassInstead of going “all or nothing,” you can hold multiple ETFs—like AVUV and DFSV—for extra balance within a category. Just keep the lineup manageable for your brokerage or platform.Factor Investing — What Really Drives ReturnsThe strongest long-term drivers are size and value. Momentum and quality can help, but smaller, cheaper companies historically deliver the best rewards.Growth Funds & Ten-Year PerformanceTen-year snapshots can mislead. From 2000 to 2025, small-cap value funds far outperformed growth and the S&P 500, showing the value premium remains powerful across full market cycles.S&P 500 vs. Total Market — Nearly Identical Over TimeSince 1928, returns differ by only 0.1%. The S&P's recent edge comes mainly from a handful of mega-cap tech stocks, not fundamental differences in the indexes.Hiring an Advisor — When It's Worth ItA skilled fiduciary advisor can help manage emotions, discipline, and rebalancing. If you struggle to stay consistent, professional guidance may be worth far more than the fee.The DIY Investor Myth — Overcoming Human Biases“No one cares more about your money than you” sounds good, but behavioral biases—recency, overconfidence, and loss aversion—can derail results. Automation or a trusted advisor can protect you. For more insight, see Paul Hayes' free book Spending Your Way to Wealth, especially the appendix on 48 investor biases.Thank you again for your time, attention, and thoughtful participation. Despite the technical hiccups, your engagement made this an incredibly rewarding session!

Bill Bengen, the creator of the 4% rule, joins us to revisit one of the most important ideas in financial planning and retirement research. In this conversation, he explains the origins of the 4% rule, how his thinking has evolved over 30 years, and why he now believes retirees can safely withdraw closer to 4.7% — or even more — under certain conditions. We explore the data behind his findings, how to think about inflation, valuations, longevity, and sequence of returns risk, and the philosophy of living well in retirement.Topics covered:The origins and evolution of the 4% ruleHow Bill discovered the worst-case retirement scenario (1968)The role of inflation and market valuations in withdrawal ratesWhy he now recommends 65% equities instead of 55%How diversification increases sustainable withdrawalsThe logic behind a U-shaped equity glide pathSequence of returns risk and how to mitigate itThoughts on the permanent portfolio and goldBucket strategies and cash reservesDynamic vs. fixed withdrawal methodsHow longevity and FIRE affect planning horizonsWhy retirees should spend and enjoy moreThe philosophy behind “A Richer Retirement”Timestamps:00:00 The origins of the 4% rule03:00 The 1968 retirement “buzz saw” scenario07:00 Common misconceptions about the 4% rule10:00 Inflation and valuation adjustments13:00 Diversification and higher withdrawal rates15:00 Longevity, FIRE, and extended retirements16:00 The U-shaped equity glide path18:00 Rebalancing and allocation timing19:00 The permanent portfolio and gold20:00 Sequence of returns risk explained22:00 Cash reserves and bucket strategies23:00 Dynamic withdrawal approaches24:00 Why the rule is now closer to 4.7%27:00 The changing market environment29:00 Key charts and frameworks from the book31:00 The eight essential elements of planning33:00 Withdrawal strategies and asset allocation34:00 Required minimum distributions36:00 Reflections on creating the 4% rule38:00 Bill's philosophy on life and retirement40:00 Closing thoughts and where to find his book

On this week's Money Matters, Scott and Pat tackle three critical financial planning decisions for high-net-worth investors. First, they break down whether it's better to self-insure for long-term care or rely on costly, often restrictive hybrid policies. Next, they explain how to rebalance an inherited portfolio, especially when legacy holdings no longer align with your goals or risk tolerance. Then, they dive into how to finance a vacation home wisely—weighing the risks of portfolio loans, capital gains exposure, and over-leveraging in retirement. You'll also hear a sharp analysis of gold's recent surge—and why emotional investing often backfires. Packed with real-life caller scenarios and expert financial guidance, this episode is a must for anyone focused on smart wealth management, legacy planning, and minimizing risk. Join Money Matters:  Get your most pressing financial questions answered by Allworth's co-founders 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.

In this special Investing 101 episode, the Rational Reminder hosts—Ben Felix, Dan Bortolotti, and Ben Wilson—team up to revisit the fundamental concepts that every investor should understand before diving deep into portfolio construction or market theory. Drawing from Ben's original "Investing 101" presentation and years of client experience, the trio lay out why investing matters, how inflation shapes your future, what stocks and bonds really represent, and why a disciplined, evidence-based approach beats prediction and luck every time. They unpack core ideas like financial independence, risk versus volatility, global diversification, and market efficiency, then connect them to practical tools like ETFs and Vanguard's asset allocation funds. Key Points From This Episode: (0:00:24) Why this episode revisits "Investing 101"—inspired by a listener still unsure how to begin. (0:05:03) Why investing matters: inflation erodes purchasing power, investing fights back. (0:06:33) The math of compounding: how a 7% return versus 2% changes your retirement entirely. (0:10:57) Saving early and often: habit formation beats late-life catch-up. (0:11:53) The trade-off between saving more and taking more investment risk. (0:14:04) Utility theory and the psychology of saving when young. (0:16:39) Marginal utility: when more money no longer adds happiness or purpose. (0:20:47) Stocks and bonds explained: ownership versus lending and the role of each. (0:23:11) The Japan story: a cautionary tale about chasing past winners. (0:26:49) Narrative investing: why investors love stories and get burned by them. (0:30:19) Market capitalization weighting—how global prices tell you what to own. (0:33:42) The stock market is not the economy: why news headlines mislead investors. (0:37:14) The power of diversification: why most individual stocks fail—and a few drive all returns. (0:41:56) Bonds, volatility, and inflation risk—why "safe" assets aren't risk-free. (0:44:41) Building your mix: matching volatility tolerance with long-term goals. (0:45:10) The behavioral challenge: risk is only useful if you can stay invested. (0:48:08) Active management as gambling: adding unrewarded noise to your portfolio. (0:51:43) The paradox of skill: why markets punish even brilliant active managers. (0:55:51) Efficient markets and Eugene Fama: the evidence that prices already reflect all information. (1:00:20) How small fees compound into big losses over decades. (1:03:07) The behavioral hurdle of indexing: trusting a system with "no one at the wheel." (1:04:54) The real value of financial advice: behavior, discipline, and holistic planning. (1:07:24) Implementing the plan: how asset allocation ETFs simplify everything. (1:11:41) Rebalancing and emotion: why automation protects investors from themselves. (1:14:24) Paying a bit more for simplicity: why 0.10% in fees can be worth it. Links From Today's Episode: Meet with PWL Capital: https://calendly.com/d/3vm-t2j-h3p Rational Reminder on iTunes — https://itunes.apple.com/ca/podcast/the-rational-reminder-podcast/id1426530582. Rational Reminder Website — https://rationalreminder.ca/ Rational Reminder on Instagram — https://www.instagram.com/rationalreminder/ Rational Reminder on X — https://x.com/RationalRemindRational Reminder on TikTok — www.tiktok.com/@rationalreminder Rational Reminder on YouTube — https://www.youtube.com/channel/ Rational Reminder Email — info@rationalreminder.caBenjamin Felix — https://pwlcapital.com/our-team/ Benjamin on X — https://x.com/benjaminwfelix Benjamin on LinkedIn — https://www.linkedin.com/in/benjaminwfelix/ Dan Bortolotti — https://pwlcapital.com/our-team/ Dan Bortolotti on LinkedIn — https://ca.linkedin.com/in/dan-bortolotti-8a482310 Editing and post-production work for this episode was provided by The Podcast Consultant (https://thepodcastconsultant.com)

This episode features Tali Segev, Vice President of Customer Success at MyndYou. She discusses how healthcare organizations can move beyond the “bright shiny object” phase of AI to focus on measurable ROI, effective change management, and maintaining the human connection at the heart of patient care.This episode is sponsored by MyndYou.

Could chasing record highs put your retirement at risk? This episode with Jackie Campbell explores the dangers of market “melt-ups,” emotional investing, and common moves that can quietly sabotage your financial future. Learn why relying on a 401(k) alone, ignoring hidden fees, and skipping a written plan could derail your goals. Get practical insights on rebalancing, tax strategies, and staying prepared—no matter what the market does. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Six weeks in… it's time to adapt or get left behind. Welcome back to the All Gas Trade Show (AGTS) with Gabe (@iGabe_FF) and Ty (@TyDeclare44) — where dynasty value never sleeps. In this episode, we take a step back to recalibrate: assessing QB, WR, and TE market shifts across the league and how to respond before values move again. Topics include: When to sell on name value before it fades Midseason buy windows opening at key positions Rebalancing your roster construction to fit new information Evaluating trade direction — contender vs. builder pivots All trades sourced directly from the DDFFB Community Thank you for checking out the Podcast, be sure to follow and comment if you have any questions, we are always happy to answer any. For Access to our Premium Tools (Trinity, WAR & More) & Discord Community https://ddfantasyfootball.com/subscriptions/ Subscribe to the Youtube Channel DDFFB https://www.youtube.com/@DDFFB Subscribe to Ray's Channel: https://www.youtube.com/@RayGQue Check out All of Ray's Articles at Yahoo!: https://sports.yahoo.com/author/ray-garvin/ Follow Ray on Bleacher Report: https://br.app.link/7ExIDsWfHVb Follow us on Twitter: https://x.com/destinationdevy Become a Member on Youtube for access to the Dynasty Deal Show Live, Destination Chill and other member benefits, like priority reply to comments and unique badges and emojis: https://www.youtube.com/channel/UCV84gHvtBMXxzN9ZPI9XHfg/join Learn more about your ad choices. Visit megaphone.fm/adchoices

Meditation coach and “Organically, Jamie” founder Jamie Graber gets real about matrescence, the myth of balance, and how to keep your relationship a team sport after kids.  We unpack mom-guilt, invisible labor, nervous-system regulation, and why presence—not perfection—is the point.  If you're a busy, health-curious mom (or partner) ready to drop mom-guilt, share the mental load, and replace “balance” with seasons—using breathwork and better timing, this episode is for you. WE TALK ABOUT:  05:55 - How motherhood redefines your presence, purpose, and joy 11:20 - Why you should stop chasing balance and practice presence where you are 19:00 - Creating meditations and why focused work blocks matter for moms 16:30 - Why your happiness teaches your child 21:05 - How you and your partner have different mental loads 25:10 - Growing together after the baby 26:50 - Using breath to expand time and compassion in conflict 29:30 - How to check if you trying to be right or have a better moment 38:20 - Teamwork mindset beats tit-for-tat accounting 43:50 - Letting small stuff go + the “dishes” story and what it really means SPONSORS: CaloCurb (get 10% OFF) is my go-to, 100% plant-based alternative to Ozempic—helping you feel full sooner, snack less, and finally trust your body again without needles, drugs, or yo-yo diets. Join me in Costa Rica for Optimize Her, a 5-night luxury women's retreat in Costa Rica with yoga, healing rituals, and biohacking workshops—only 12 spots available. RESOURCES: Trying to conceive? Join my Baby Steps Course to optimize your fertility with biohacking. Free gift: Download my hormone-balancing, fertility-boosting chocolate recipe. Explore my luxury retreats and wellness events for women. Shop my faves: Check out my Amazon storefront for wellness essentials. Jamie Graber's website and Instagram LET'S CONNECT: Instagram, TikTok, Facebook Shop my favorite health products Listen on Spotify, Apple Podcasts, YouTube Music

Sometimes, your investment portfolio needs a course correction to stay safe and on track with your personal allocation strategy. We tackle the essential, yet often ignored, financial tune-up known as rebalancing. Learn exactly what rebalancing is, why this simple process is about managing risk (not chasing returns), and the practical steps to implement it, including smart tax strategies for your 401(k) and brokerage accounts. Get the full show notes, show references, and more information here: https://www.insideoutmoney.org/131-what-is-rebalancing-and-should-i-be-doing-it/

Go to Kindafunny.com/XREAL, Amazon, or Best Buy to grab yours now!Amazon: https://www.amazon.com/dp/B0FDPGHVCB?maas=maas_adg_94D809319DE2358E49DA54BC8B880A40_afap_abs&ref_=aa_maas&tag=maas Best Buy: https://www.bestbuy.com/product/xreal-one-pro-ar-glasses-w-x1-chip-171-fhd-120hz-display-w-sound-by-bose-for-iphone16-15-steam-rog-mac-pc-android-ios-57-66mm-ipd/CZTVG22GYF A Nintendo Direct is reportedly coming in September, Skate's cover art has been revealed, and Ubisoft's CEO is going to court. Thank you for the support! Run of Show - - Start - Housekeeping Today after, KFGD, you'll get: If you're a Kinda Funny Member: The Roper Report   - - A Nintendo Direct is reportedly planned for mid-September - Skate Cover Art revealed, Early Access release date is coming - Ad - Demon School Delayed to avoid Hollow Knight - Ubisoft CEO Yves Guillemot summoned to appear before French court in relation to harassment trial - REPLACED has been delayed to spring 2026 - Pokémon Go is Boosting the Level Cap and Rebalancing the Experience - Wee News! - SuperChats & You‘re Wrong Learn more about your ad choices. Visit megaphone.fm/adchoices