Podcasts about Registered investment adviser

Losing a loved one is emotionally devastating—but it can also create unexpected financial turmoil. In this episode, Gregory Ricks shares eye-opening statistics, personal stories, and practical steps to help you prepare for the financial aftermath of a death in the family. From funeral costs to lost income, estate planning to surviving spouse concerns, we cover what you need to know before a crisis hits. Whether you're 30 or retired, now is the time to get involved and make sure both partners are on the same financial page.SOURCES:Over Half of Americans Stumble Financially After Losing a Loved One. Are You Prepared?Half of Americans Struggle Financially After Losing a Loved OneFor more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

This commercial-free episode of Money Management was originally broadcast on Saturday, May 31st, 2025, in which the Opus 111 Group team gives you some alternative perspective on the latest financial happenings, along with great advice for grandparents wanting to contribute to their grandkids' college fund.Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

Summer should bring joy, not financial stress. Yet most Americans find themselves spending an extra $2,000 during these sunny months—not on planned vacations, but on the accumulation of small expenses that quickly snowball.In this practical financial guide, we dive into the major "summer budget busters" that threaten your financial health: unexpected travel costs, children's activities while school's out, skyrocketing utility bills, and the constant stream of social events. Rather than avoiding summer fun altogether, I share actionable strategies to plan ahead and create what I call a "Fun Fund"—a dedicated savings approach that allows for spontaneity without the regret of post-summer credit card debt.Discover creative alternatives that maximize enjoyment while minimizing costs. From community concerts and strategic potlucks (like my friend's brilliant paella party solution) to house-swapping and becoming a tourist in your own region, there are countless ways to create meaningful summer experiences without breaking the bank. I challenge listeners to try the "$100 weekend" competition with friends—who can create the most memorable experience on a limited budget?The key takeaway isn't about spending less; it's about spending smarter. By planning ahead, focusing on value rather than cost, and being intentional with your summer dollars, you can create lasting memories without the financial hangover. Because your summer experiences will be much sweeter without a lingering credit card balance following you into fall. Ready to transform your approach to summer spending? Listen now and set yourself up for both fun and financial health this season. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

This commercial-free episode of Money Management was originally broadcast on Saturday, May 24th, 2025, in which the Opus 111 Group team talk about another "interesting" week in financial news, a discussion of behavioral finance for partners, and people's perceptions of the real reality.Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

In this episode of the Ask Gregory Podcast, Gregory answers a listener's question about working past retirement age and how that affects Social Security benefits. Later in the episode, Wealth Advisor Brandon Blanchard and Gregory discuss how a team-based advisory approach may benefit clients long-term. They also break down Qualified Charitable Distributions (QCDs), required minimum distributions (RMDs), and the power of reaching that first $100,000 in your 401(k).If you're considering retirement, thinking about charitable giving, or evaluating what you need from a financial advisor or firm, this episode may be able to help you make informed decisions.For further reading, check out our blog article “Qualities to Look for When Choosing a Financial Advisor.”For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

Public Service Loan Forgiveness is a hot topic for many medical professionals still trying to work their way out of school debt.  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff walk through the current state of the program and whether or not it's still worth pursuing. This episode discusses: The basic parameters of Public Service Loan Forgiveness (PSLF). Historical context of proposed changes to the program. The current payment plan drama, including where we are at with the SAVE plan. Possible next steps for folks with federal student loans. As with everything, whether a particular path is appropriate for you depends on your individual circumstances.  If you believed PSLF was a good fit for you previously, chances are that program is still a good “Plan A”.  But just like other parts of your financial plan, it is always helpful to have a Plan B. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

After you listen:Learn about the wealth and investment management solutions Schwab offers to help you pursue your goals confidently.Listen to Schwab's newest podcast, Invested in the Game, featuring true stories of people who are driving the game of golf forward.In this episode of Financial Decoder, host Mark Riepe is joined by Stephanie Shadel, a senior wealth advisor at Schwab, to examine the scope of an investor's communication with their financial advisor. She emphasizes the importance of understanding clients' financial situations, building trust, and maintaining open communication. Throughout their discussion, they cover both the data-driven and emotional aspects of portfolio managment, offering insights into strengthening the dynamic with a professional advisor.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 DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here 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 decision.All expressions of opinion are subject to change without notice in reaction to shifting market 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. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal.​Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market.Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.Schwab does not recommend the use of technical analysis as a sole means of investment research.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. ​Neither the tax-loss harvesting strategy, nor any discussion herein, is intended as tax advice and Charles Schwab & Co. 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.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.Portfolio Management provided by Schwab Wealth Advisory, Inc., a Registered Investment Adviser and affiliate of Charles Schwab & Co., Inc. (Schwab). Please read the Schwab Wealth Advisory and the Schwab Wealth Advisory, Inc. Disclosure Brochures for information and disclosures about this program. The Wealth Advisor, Associate Wealth Advisor, and other representatives making investment recommendations in your Schwab Wealth Advisory accounts are employees of Schwab Wealth Advisory, Inc.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as 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) to help answer questions about specific situations or needs prior to taking any action based upon this information.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.(0525-03FK)

When markets take a nosedive, does your anxiety spike? In this enlightening episode of Better Financial Health in 15 Minutes or Less, we tackle the question every investor faces during turbulent times: should you worry when the market dips, or should you just chill?The answer might surprise you. Drawing on decades of market history, I explain why corrections (10% drops) happen approximately every 18 months, yet only two out of ten years typically end with negative returns. This disconnect between how markets feel and how they actually perform over time creates a psychological challenge for even the most disciplined investors.We explore the dramatic case study of 2020's market—starting strong with nearly 5% gains, plummeting 34% during the COVID panic, yet finishing the year up an impressive 18%. This roller coaster perfectly illustrates why making emotional decisions during market downturns can derail otherwise solid financial plans. I share a real client example of how patience during market turbulence not only preserved wealth but created unexpected opportunities for enjoyment later.Most importantly, you'll learn a practical framework for assessing whether market anxiety should trigger action. Has your time horizon changed? Has your risk tolerance shifted? Do you need the invested money within five years? If not, the best move is often no move at all. Remember my favorite saying: "The market is not a mood ring." It doesn't reflect our daily emotions, and successful investing requires looking beyond temporary fluctuations toward your long-term financial goals.Ready to transform your relationship with market volatility? Listen now and discover how to find calm amidst financial turbulence. Share this episode with someone who might be feeling market anxiety—they'll thank you when the inevitable recovery arrives! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

This commercial-free episode of Money Management was originally broadcast on Saturday, May 17th, 2025, in which the Opus 111 Group team talk about the value of long-term investing, talk about a choppy future, how our biases shape the way we invest, and some surprising numbers that came out this week. Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

Ready for summer vacation? So are scammers. This episode tackles the sophisticated travel booking scams that peak between April and July, threatening to turn your dream getaway into a financial nightmare.Discover how fraudsters create convincing replicas of trusted sites like Airbnb, VRBO, and major travel booking platforms. We expose their tactics—from urgency-creating emails to fake listings with copied photos—and provide practical safeguards anyone can implement. The simple 60-second check I share could save your entire vacation and thousands of dollars.We explore the red flags that signal potential fraud, like requests for gift card payments or wire transfers instead of credit cards. Learn why booking directly through official websites by manually typing URLs offers crucial protection, and why performing reverse image searches on property photos could reveal scams before you lose money.This episode provides special guidance for protecting vulnerable populations, particularly older adults who may not recognize subtle differences between legitimate and fraudulent websites. The practical strategies shared work for both domestic and international bookings, ensuring you can enjoy wonderful vacation experiences while avoiding the increasingly sophisticated scams targeting travelers.Take a moment to share this episode with friends and family planning summer trips—especially those who might be more vulnerable to these schemes. And remember: if a travel deal seems too good to be true, it probably is. Subscribe for more practical financial protection strategies delivered in 15 minutes or less! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Gregory Ricks takes a close look at the Social Security Fairness Act and what its recent passage means for both government employees and the future of Social Security itself. Using real-world examples, he breaks down why repealing the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) could lead to unintended — and unfair — financial consequences for American taxpayers. Gregory also shares insights from Harvard Business School's Arthur Brooks about two common financial mistakes that can derail your financial goals: normalizing debt and confusing spending with happiness. Whether you're preparing for retirement or just trying to stay on track with your money in 2025, this episode will give you important updates, critical advice, and steps to protect your future. For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

In this episode of Financial Clarity for Doctors Finity Group financial advisors, Corey Janoff and Rachelle Vanderzanden, discuss a few ways you can work through how to value your own time. Valuing your time: Why does it matter? This can help you decide all sorts of things!  Such as…. How much to work (assuming you have the flexibility to decide) Whether it makes sense to do something yourself or pay someone else to do it How to discuss finances with family and loved ones Your time spent in training is an investment in future earnings, which are not simple to predict. As an attending, think about how much time you spend to be able to work. This includes time at work, getting to work, continuing education, and time at home spent on work tasks. If you know your total time commitment per year and your annual pay, you can get a basic hourly rate for yourself and use that to decide lots of things. For example, buying this new car is equivalent to me working five hours per month – is that worth it to me? Money isn't everything.  Some people work to live.  If that's you, take some time to consider how much work you are doing to support your lifestyle and whether that's worth it to you.  Other people love their work!  If that is closer to your attitude, you may want to work more even if the pay is low.  There are no wrong answers if you are making decisions that fit you and your family.  Listen to the full episode to learn more!  For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

In this episode, host Rob Wermuth sits down with Dirk Simpson, a seasoned attorney and Partner at Royer Cooper Cohen Braunfeld LLC, for a practical and insightful look at the challenges and opportunities facing business owners and families planning for the future. They unpack what it really means to start early when it comes to succession planning, break down the role of trusts and gifting strategies, and explore how recapitalization can fit into a broader long-term wealth plan. Whether you're thinking about selling a business, transferring wealth, or simply making sure your assets reflect your family's values, this episode is packed with real-world examples and thoughtful takeaways to help guide the journey. ​​______________​​______________​​ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 and 228 W Gay Street West Chester, PA 19380  610-719-8600 www.legacy-online.com Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser. 

This commercial-free episode of Money Management was originally broadcast on Saturday, May 10th, 2025, in which the Opus 111 Group team reveals how long the average person takes researching a stock, and the real trends you should know about going on in the stock market.Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

Ever wondered why your bank account seems to drain faster than it should? The culprit might be hiding in plain sight—those "convenient" auto-pay subscriptions.Today I dive into the sneaky world of subscription price creep, where that $50 internet bill quietly becomes $90, and that $10 car wash membership quadruples after the promotional period ends. Companies like Xfinity/Comcast have mastered the art of the promotional rate bait-and-switch, counting on our busy lives and inattention to boost their profits at our expense.The problem isn't just limited to streaming services—though Netflix has certainly had its share of price hikes. The issue extends to internet providers, cell phone plans, gym memberships, newspaper subscriptions, and even car wash services. These companies typically notify you of price increases on the same day they debit your account, giving you virtually no time to respond before the money's gone.The good news? You don't have to be a victim of this corporate strategy. I share my personal experiences with Sirius XM and The New York Times, where simply calling to cancel resulted in maintaining my original promotional rate. The key is vigilance—setting calendar reminders for when promotional periods end, regularly reviewing your statements, and being willing to make that five-minute phone call that could save you hundreds of dollars annually.Take the 30-minute challenge this weekend: audit your subscriptions, identify the price creepers, and renegotiate your rates. Then share how much you saved by commenting on our social media. Your wallet will thank you, and you might just inspire others to reclaim their financial power from subscription creep. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Brad Setser shares his detective skills with Michael Green and guest host Christopher Getter, Portfolio Manager and Emerging Markets Strategist. For more information, https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

In this mailbag episode, Brad and Rachael dive deep into strategies for efficiently withdrawing money from taxable brokerage and retirement accounts. With a focus on understanding the different tax treatments associated with these accounts, listeners gain crucial insights into managing tax liabilities for retirement. Key Takeaways Different Types of Accounts: Taxable brokerage accounts versus traditional IRAs and 401ks have distinct tax consequences affecting retirees. Tax Treatment: Withdrawals from traditional retirement accounts are taxed as ordinary income, while long-term capital gains from taxable accounts are taxed at a lower rate. Strategic Tax Planning: Employing strategies such as Roth conversions and tax gain harvesting can significantly minimize tax impacts during retirement. Investment Placement: It's vital to manage tax-efficient placements for investments, especially during retirement. Timestamps 00:00:00 - Podcast Intro: Introduction to the episode topic. 00:04:36 - Taxable Brokerage Accounts vs Traditional Accounts: Discussion on the terminology and tax implications. 00:09:59 - Tax Strategies and Opportunities: How to minimize taxes in retirement using investments. 00:23:10 - Roth Conversions Explained: Understanding the benefits of converting retirement accounts. 00:48:13 - Conclusion and Future Topics: Wrap up and upcoming episode topics. Key Insights Tax Treatment of Withdrawals: Withdrawals from a traditional IRA are taxed as ordinary income. (00:04:36) Understanding Taxable Brokerage Accounts: "Taxable brokerage accounts" may be better understood as your basic savings or investment accounts. (00:05:07) Investment Strategies: Use tax-advantaged accounts to defer taxes on income. (00:09:59) Minimize taxes with proper investment placements and strategies like tax gain harvesting. (00:23:10) Roth Conversions: Roth conversions allow you to transfer pre-tax retirement accounts into a Roth IRA and pay taxes on the converted amount, providing tax benefits later. (00:26:56) Actionable Takeaways Understand Account Types: Familiarize yourself with the differences in tax treatment between taxable brokerage accounts and traditional retirement accounts. (00:04:36) Maximize Tax Efficiency: Consider implementing Roth conversions to streamline taxes during retirement. (00:26:56) Tax-Efficient Investments: Be strategic about investment placements—opt for tax-efficient funds to minimize taxable income. (00:23:10) Related Resources Kitcis Article on IRA Strategies: Read here (00:52:55)   Rachael Camp   Please note: Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.

This commercial-free episode of Money Management was originally broadcast on Saturday, May 3rd, 2025, in which the Opus 111 Group team offers up not only more tariff talk, but also 10 things to do and NOT to if you think a recession is approaching.Each week, enjoy a fresh episode of Money Management, with Jim Harvey, Mike Maehl, Andrew Harvey and the rest of the Opus 111 Group team offering their ground-level view of the week's financial news and events.The Investment Advisor Representatives (IARs) use the trade name/DBA, Opus 111 Group. All securities & advisory services are offered through Commonwealth Financial Network©, Member FINRA/SIPC, a Registered Investment Adviser. For a current list of our IARs please visit our website.Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network. The Financial Advisors associated with this website may discuss and/or transact business only with residents in states which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrationsInformation presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.Review our Terms of Use:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠http://www.commonwealth.com/termsofuse.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Opus 111 Group is located at 111 Queen Anne Avenue North Suite 501 Seattle, WA98109-4925. Reach us at (206) 283-2345 or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠info@opus111group.com⁠

Rising prices at the grocery store got you down? You're not alone. The good news is that the arrival of spring and summer offers perfect timing to adopt some practical strategies that can help you combat inflation while actually improving your diet.Local food sources are your secret weapon in the battle against high prices. Farmer's markets are springing up everywhere, offering fresh produce that hasn't traveled thousands of miles to reach your table. Roadside farm stands provide another alternative, typically offering better prices than supermarkets for just-picked fruits and vegetables. The nutritional benefits are substantial too – study after study confirms that less processed food leads to better health outcomes. Who doesn't want to save money while getting into better shape for summer?Growing your own food might sound intimidating, but starting small with herbs or a few vegetable plants can be surprisingly affordable and satisfying. Seeds cost mere pennies compared to store-bought produce, and there's nothing quite like harvesting something you've grown yourself. I've noticed more friends raising backyard chickens lately too – fresh eggs with deeper yellow yolks and better flavor, often at lower cost than store prices. Did you know unwashed eggs don't even need refrigeration? Just one of many food facts that can change how you shop and save.Modern couponing has evolved. Forget clipping paper – digital discounts through apps like Kroger's or Amazon Prime (for Whole Foods) offer substantial savings with minimal effort. The key is buying only what you actually need when it's on sale, rather than purchasing unnecessary items. And don't underestimate the financial impact of bringing lunch from home instead of eating out. These small changes add up to significant savings over time.Financial markets, like gardens, have their seasons of growth and dormancy. As we weather current economic uncertainties, remember that patience is essential. Some days are sunny, others cloudy – the key is maintaining perspective and staying the course. Want more practical financial wellness tips delivered in 15 minutes or less? Subscribe to Better Financial Health for weekly insights that help you thrive no matter what the economy throws your way. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Feeling stuck or overwhelmed by your finances? You're not alone—and you're not out of options. In this episode of Ask Gregory, Gregory Ricks helps you reconnect with your financial goals by making them personal, achievable, and even enjoyable. From shifting your mindset about emergency funds (hello, “reserve accounts”) to choosing the best debt payoff strategy, Gregory lays out realistic, motivating steps anyone can take and ways to make financial goal setting fun! Whether you're ready to start saving, stop stressing over credit cards, or just want to feel more in control, this episode gives you the motivation and tools to make it happen.For more episodes like this head over to www.gregoryricks.com/podcastFor the latest in financial news, why don't you tune into "Winning at Life with Gregory Ricks" LIVE on Saturday Mornings from 10 am - 1 pm on: New Orleans - WRNO-News Talk 99.5 FM Biloxi- WBUV - News Talk 104.9 FM OR watch on YouTube LIVE on our YouTube page Winning at Life with Gregory Ricks!If you have any questions or are looking for some financial advice?CLICK HERE to Book a Consultation The free consultation provides an overview of products and services offered by Gregory Ricks & Associates. Investment advisory services made available through AE Wealth Management, LLC, a Registered Investment Adviser, and there is no obligation.

Headlines, federal government funding issues, and stock market volatility can lead people to question how secure their own place is in the economy. How will this impact my job and my income?  In this episode of Financial Clarity for Doctors, Rachelle Vanderzanden and Corey Janoff, walk through a few things that MAY impact the job market for physicians and other medical professionals. As always – It depends! Policy at the federal government level may affect your job, but this is so hard to predict ahead of time! Those effects could be a reduction in staff, changes in pay, or potentially just more work (if other staff is reduced). You may need to make some adjustments in the future if: You are a federal employee Your position is funded (even partially) by grant money from federal institutions You have many patients on Medicaid and/or Medicare You work for a hospital or university with non-profit status. This could be challenged in the future, which could potentially affect student loan repayment and your employer's cash flow. These adjustments may be a change in how much you work, how much time you are spending on research, or even finding a different job entirely. Keep in mind that as a medical professional, you generally have more job security than the average person.  But it's still important to have adequate emergency reserves and a backup plan no matter who you are. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

After you listen:To learn about the news and policies from Washington that impact your portfolio, listen to the WashingtonWise podcast.For weekly insights on the market and economy, listen to the On Investing podcast.Market volatility can stir powerful emotions, making it tempting to abandon long-term financial plans in favor of short-term reactions. In this episode, Mark Riepe is joined by Susan Hirshman, a director of wealth management for Schwab Wealth Advisory and the Schwab Center for Financial Research, to explore why emotional investing often leads to poor outcomes and how to stay focused on what you can control, from portfolio structure to tax strategies. Susan shares practical steps to help investors stay grounded and react relative to their long-term financial plan rather than their short-term emotions. 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 DisclosuresThe information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned here 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 decision. All expressions of opinion are subject to change without notice in reaction to shifting market 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. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. Investing involves risk, including loss of principal. Past performance is no guarantee of future results, and the opinions presented cannot be viewed as an indicator of future performance.The information and content provided herein is general in nature and is for informational purposes only. It is not intended, and should not be construed, as 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) to help answer questions about specific situations or needs prior to taking any action based upon this information.Diversification, asset allocation and rebalancing strategies do not ensure a profit and do not protect against losses in declining marketRebalancing 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 liabilityRoth IRA conversions require a 5-year holding period before earnings can be withdrawn tax free and subsequent conversions will require their own 5-year holding period. In addition, earnings distributions prior to age 59 1/2 are subject to an early withdrawal penalty.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.(0425-NNA5)

The financial markets have been experiencing dramatic swings lately, leaving many investors confused and concerned. What's driving this volatility? It all started when comments about potentially firing Federal Reserve Chairman Jerome Powell sent markets tumbling, highlighting the critical importance of Fed independence in our financial system.At the heart of this turmoil lies a fundamental tension between politics and economic policy. The Federal Reserve operates with a dual mandate - maintaining full employment while controlling inflation. Since recognizing inflation wasn't just a temporary post-pandemic phenomenon, the Fed has aggressively raised rates, creating friction with an administration concerned about consumer costs. This standoff between government priorities and central bank independence has markets on edge.Proposed tariffs have further complicated the situation. While the idea of manufacturing more products domestically sounds appealing, the reality is more complex. Many goods are imported because they're produced more cost-effectively overseas, even after shipping costs. Some products - from semiconductors to certain agricultural goods - simply can't be manufactured domestically at the scale we need. Our global supply chains have evolved to optimize efficiency and keep consumer costs down. Disrupting these networks through significant tariffs would ultimately function as another tax on consumers, driving prices higher at a time when many households are already feeling financial pressure.The market's wild swings reflect this uncertainty. As headlines change and statements get walked back, prices fluctuate dramatically. The wisest approach? Don't get caught in the daily noise. Markets react and overreact to news, often reversing course quickly as new information emerges. Focus instead on your long-term financial goals and remember that throughout history, markets have always faced periods of uncertainty - and have consistently demonstrated resilience over time. Have questions about how these economic forces might affect your financial plan? Reach out today for a conversation about navigating these challenging times with confidence. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Interview recorded - 14th of April, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Peter Boockvar. Peter is a CNBC Contributor, Chief Investment Officer of Bleakley Financial Group & Editor of the Boock Report. During our conversation we spoke about what he is watching, Tariffs, DOGE, impact on the stock market, inflation, a bifurcating world, assets to perform and more. I hope you enjoy!0:00 - Introduction0:45 - What is Peter watching?1:26 - Tariffs3:53 - DOGE7:27 - MAG7 impacted9:01 - Inflation14:29 - Bonds14:48 - Bifurcation of global world?18:21 - Wealth divide22:39 - Commodities24:16 - One message to takeaway?Peter Boockvar is an independent economist and market strategist. The Boock Report is independently produced by Peter Boockvar. Peter Boockvar is also the Chief Investment Officer of Bleakley Financial Group, LLC a Registered Investment Adviser. The Boock Report and Bleakley Financial Group, LLC are separate entities. Content contained in The Boock Report newsletters should not be construed as investment advice offered by Bleakley Financial Group, LLC or Peter Boockvar. This market commentary is for informational purposes only and is not meant to constitute a recommendation of any particular investment, security, portfolio of securities, transaction or investment strategy. The views expressed in this commentary should not be taken as advice to buy, sell or hold any security. To the extent any of the content published as part of this commentary may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person. No chart, graph, or other figure provided should be used to determine which securities to buy or sell. Consult your advisor about what is best for you.Peter Boockvar - X - https://x.com/pboockvar?lang=enSubstack - https://peterboockvar.substack.com/WTFinance -Instagram - https://www.instagram.com/wtfinancee/Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes - https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Twitter - https://twitter.com/AnthonyFatseas

One of the questions our advisors get most frequently from clients is, “Am I on track?”  In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, walk through a few ways to evaluate progress toward your goals. Steps to assess your progress: First, decide on what you are trying to achieve! Goals are different for everyone. This can be retirement, college savings, debt repayment, and many other financial goals. For debt repayment, if you have a plan and an end date, you can see if you are on track! Simple debt calculators can help with this. Decide on a time frame you'd like the debt to be repaid, enter in the interest rate, principle amount, and time frame and you will know how much you need to pay each month. Could be anything from paying off student loans in five years to repaying your mortgage before you retire at Age 60, For college saving, this can vary dramatically depending on your goals. Simple calculators for this online as well, but must use many assumptions about the costs and investment returns. A little more challenging! Can be very challenging to assess progress toward retirement goals. Think about the lifestyle you'd like to have, when you may want to retire, and how much you are able to save. These are things you can control a bit, whereas you cannot control investment returns. Don't pay attention to benchmarks online. This is different for you based on your career trajectory.  Look at your individual situation. Many young medical professionals are not “on track” based on common online metrics, because you are getting a late start!  Do your best to focus on these goals early in your attending career, and you should be able to make progress very quickly.  Then assess your progress over time. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

John Toohig of Raymond James joins Michael Green and Harley Bassman to discuss insights from the frontlines of credit markets.For more information, https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

In this episode of Legacy Listens, host Rob Wermuth sits down with Chad Cowan, a Member at Cozen O'Connor, to discuss the essential steps for a successful business transition. Drawing on his experience as a transactional attorney, Chad shares practical insights on preparing to sell a business — whether to a strategic buyer or a private equity firm. From assembling the right team of advisors to navigating legal complexities and due diligence, Chad outlines the key elements of a smooth and profitable exit. Whether you're considering a sale now or planning for the future, this episode provides actionable guidance to help business owners succeed. ​​______________​​______________​​ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 and 228 W Gay Street West Chester, PA 19380  610-719-8600 www.legacy-online.com Securities and advisory services offered through Commonwealth Financial Network, Member FINRA/SIPC, a Registered Investment Adviser.  

Market turbulence can shake even the most steadfast investors, and the recent plunge triggered by Trump's tariff announcements has certainly tested our collective financial resolve. What began as market jitters has escalated into a significant correction, erasing twelve months of gains in mere days. The unexpected breadth of these tariffs—targeting not just trade adversaries but allies like Canada, Japan, and Mexico—has created widespread concern about their impact on global supply chains and consumer prices.When markets plummet 10% in two days, our natural human tendency is to project that downward trend indefinitely into the future. Yet this psychological quirk rarely serves us well in financial decision-making. History consistently demonstrates that market overreactions create opportunities for disciplined investors. Whether we look back to Black Monday in 1987, the financial crisis of 2008-2009, or the pandemic-induced crash of 2020, the pattern remains remarkably consistent—those who maintained their positions and continued investing during downturns were rewarded within a year's time.The real-world implications of these tariffs extend far beyond abstract market indices. As The Wall Street Journal recently highlighted, the production cost of an iPhone could jump from $580 to nearly $900 under the proposed tariff structure. This stark example illustrates why investors are rightfully concerned. However, proper portfolio planning anticipates these market disruptions. For those taking regular distributions, funds were likely already secured in February, safely earning interest above 4% in money market accounts. Fixed income investments have actually appreciated as interest rates declined. And for taxable accounts, this volatility creates valuable tax-loss harvesting opportunities. Remember that worry has never improved a single investment outcome—your financial journey continues beyond this moment of uncertainty, just as ocean tides reliably return after receding from shore. What steps will you take to maintain perspective during this challenging market environment? Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Divorce is something nobody wants to contemplate when saying "I do," yet half of all marriages in America eventually dissolve. Even more concerning is the rising trend of "gray divorces" – couples separating after age 50 and decades of marriage when retirement assets are substantial and division becomes complex.When marriages end after 25+ years, the financial untangling reaches a different magnitude of complexity. Retirement accounts that grew throughout your relationship must now be divided properly, or the consequences can haunt your financial future for decades. One misstep with a 401(k) division or pension split could cost tens of thousands in taxes, penalties, or lost assets.The division process differs dramatically depending on the type of account. Employer plans require specialized Qualified Domestic Relations Orders (QDROs) that many attorneys handle incorrectly, while IRAs follow completely different "transfer incident to divorce" procedures. I walk through how to navigate these differences, sharing insider tips like using the templates major recordkeepers now provide to save thousands in legal fees and prevent costly errors. I also cover the crucial but often neglected post-divorce financial hygiene – updating beneficiaries, removing ex-spouses from accounts, and revising powers of attorney.Whether you're facing divorce yourself or supporting someone who is, understanding these financial mechanisms can protect retirement security during an already difficult life transition. Check our Facebook page for downloadable checklists to share with your attorney and ensure nothing falls through the cracks during this critical financial restructuring. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden, discuss some of the basics of pensions.  How do you get one, what are the benefits, and exactly how do these things work? Some pension basics covered in this episode include: What type of employers off these retirement plans and who contributes to them. The types of investment risk associated with these plans (and who takes that risk). How pension benefits are calculated – this can vary but is often offered as a monthly or annual benefit amount in retirement. How to compare the benefit of a pension to other employer retirement plan offerings. This can be especially helpful if you are offered a choice between a pension benefit and a 403b or 401k. Lots of folks think of pensions as an additional benefit provided by employers that are working hard for their employees, but every plan is different.  Some of funded by the employer, some are funded by the employee, or a combination of the two.  Take some time to evaluate the quantitative benefit of any retirement plan when you're considering new employment opportunities. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

What's the difference between living a "fine" life and truly flourishing? While many of us settle for "fine"—that comfortable state where everything's going well enough and we're just moving through the motions—there's something deeper available to us all.This episode invites you to examine your calendar with fresh eyes. Which appointments energize you? Which commitments make you inwardly groan? By intentionally expanding activities that fill your heart with joy and purpose—whether that's quality time with loved ones, pursuing a forgotten hobby, or finally learning that skill you've always wanted to master—you begin the journey from merely existing to genuinely thriving.Some flourishing activities might come with price tags, but here's where financial health intersects with personal wellbeing. Having specific flourishing goals makes it easier to redirect spending from momentary pleasures to experiences and pursuits that contribute to lasting fulfillment. In a world that often feels overwhelming and beyond our control, focusing on personal flourishing isn't selfish—it's necessary. When you cultivate your capacity to honestly answer "I'm great!" instead of the default "fine," you naturally become a positive light for others.Ready to move beyond fine? Your flourishing journey begins with simple awareness and intentional choices. Subscribe now to continue exploring practical wisdom for better financial and personal health in 15 minutes or less! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden walk through some of the most common questions they hear from clients.  Everything from ‘why is the sky blue?' to ‘how do you capture a swarm of honeybees?'  Just kidding!  They're all questions about money.  Below are a few examples. Common questions include: Is now a good time to invest? Should I make changes to my investments based on current news headlines? Should I try to pay off my mortgage quickly? Should I invest in real estate? Should I pay for my new car in cash or take out an auto loan? Do you think PSLF is going away? Do I really need disability or life insurance? And many, many more…. Everyone has questions!  Listen to the full episode to hear how Corey and Rachelle tackle these ones with clients on a day-to-day basis. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Market turbulence has everyone on edge as tariffs and the new Department of Governmental Efficiency (DOGE) dominate headlines. While March inflation numbers showed modest improvement at 2.8% versus the expected 2.9%, the shifting landscape of potential tariffs—ranging from 10% to 50%—creates planning challenges for both businesses and consumers.Those needing a new vehicle might want to shop current inventory, as even with deferred auto tariffs, the deeply intertwined supply chains connecting Mexico, Canada, and the US mean price uncertainty looms. Modern manufacturing reality means that "Made in USA" products often contain globally sourced components, and even companies wanting to reshore operations face significant implementation timelines measured in years, not months.Despite these uncertainties, knee-jerk portfolio changes rarely serve investors well. The surprising outperformance of international developed markets over US stocks this year—contrary to what tariff fears might suggest—highlights the enduring value of global diversification. A well-constructed portfolio with exposure to US stocks (small and large), international markets, and safer assets like money markets or fixed income provides resilience against policy surprises.DOGE's efficiency mission sounds appealing, but concerns grow about broad implementation without careful consideration of unintended consequences, particularly on essential services for vulnerable populations. Civic engagement through contacting representatives can help shape more thoughtful approaches to government reform.Throughout these divisive times, remember that most Americans (over 80%) occupy the middle ground politically. By approaching differences with kindness and genuine curiosity rather than judgment, we maintain the connections that help us navigate uncertainty together. The volatility we're experiencing isn't permanent. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of the Entrepreneur Aligned Podcast, host Jarrod Music dives into a critical aspect of business ownership—equity management. As businesses grow beyond a single owner, managing multiple equity owners and partners becomes essential. Jarrod explores the complexities of ownership structures, voting rights, and long-term strategic planning. He highlights how equity management impacts personal financial outcomes, retention of control, and the alignment between business strategy and personal goals. Tune in for key insights on making informed decisions regarding your business and financial success.   -----   ABOUT JARROD   Jarrod was born into financial planning and solving financial problems. With his financial advisor father Steve telling stories about finance around the dinner table from an early age, the idea that everyone has a different financial situation was always there. After an early professional career spent in nonprofit and government, Jarrod came back to his roots helping people plan and invest in 2011. Since then, he has worked with individual clients, led internal teams and ultimately became partner and the CEO of Destiny Capital in 2017. With a passion for helping entrepreneurs change the world, Jarrod ultimately oversaw the creation of Entrepreneur Aligned in 2020. With both Destiny Capital and Entrepreneur Aligned, Jarrod leads teams that help people live lives of abundance where money is simply a tool to let everyone be a positive force for the world around them. When he isn't working with the talented teams for EA and DC you can find him chasing his twins, wily trout or a podium spot at an OCR race.   WANT TO LEARN MORE?   Subscribe to our Entrepreneur Aligned Podcast for new episodes posted every week OR click below to check out more new content from Entrepreneur Aligned.   Wealth Digest - weekly articles delivered to your inbox! Subscribe to our YouTube channel Connect on LinkedIn Follow on Twitter Follow on Instagram Check out our Linktree   REACH OUT TO US!   If you have a question or simply want to talk through your financial planning, we are here to help.   SEND US A MESSAGE or call 720-715-7570   DISCLOSURE: Jarrod Musick is an officer of Destiny Capital and Entrepreneur Aligned, a DBA of Destiny Capital. All opinions expressed by Jarrod are solely his own opinions and do not reflect the opinion of Destiny Capital or Entrepreneur Aligned. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. We recommend consulting with your wealth advisor, CPA/tax advisor and/or attorney, as applicable to your situation, prior to implementing a new investment strategy. Advisory services provided by Destiny Capital Corporation, a Registered Investment Adviser.

Michael Green and Harley Bassman are joined by global macro expert Michael Howell to discuss the state of liquidity.For more information, https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice. This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

In this episode of Legacy Listens, hosts Rob Wermuth and Kevin Donohue sit down with Andrew Fay from 1712 Consulting to explore the evolving world of wealth management. Drawing on decades of experience, including his time at Fidelity, Andrew shares insights on managing financial, human, and social capital. From succession planning to family governance, he breaks down the complexities of sustaining generational wealth. Whether you're planning a business transition or seeking to enhance your financial strategy, this episode offers valuable advice and resources. Tune in to learn how to build and preserve wealth across generations. ​​______________​​______________​​ Legacy Planning- 3440 Hamilton Blvd Allentown, PA 18103 and 228 W Gay Street West Chester, PA 19380  610-719-8600 www.legacy-online.com Legacy Planning offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Legacy Planning is owned by HUB International. HUB and Commonwealth are separate and unrelated entities.  

Dive deep into common financial myths that can keep you from achieving true financial wellness in today's episode. We challenge the prevailing notion that only the wealthy can invest, illuminating how simple strategies, like consistent contributions to broad-based index funds, pave the way for anyone to accumulate wealth over time. In a world where TikTok stocks captivate many, it's easy to confuse investing with gambling—a notion we clarify clearly. Moreover, we dissect the idea that debt is inevitable. With a simple shift in habit—pretending you have debt and saving that amount—you can build a safety net for necessary purchases while avoiding future obligations. We also discuss how renting can sometimes be more economical than purchasing a home, particularly with fluctuating interest rates and insurance costs, proving that financial freedom comes from informed choices and adaptability.Join us for this enriching conversation and discover how to take control of your financial future. Listeners will gain practical, actionable insights, and tips on creating a sustainable financial path. Don't forget to share your takeaways and subscribe for more financial wisdom! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

In this episode of Inside Scoop Podcast, founder and Chief Investment Officer Sean Emory from Avory & Co. talks to Yuma Heymans, founder and CEO of O-mega AI, a pioneer in the field of autonomous business operations. They delve into O-mega AI's vision of fully automating company tasks such as software engineering, marketing, sales, and operations with minimal human intervention. Heymans explains the benefits, challenges, and future implications of implementing AI agents in business workflows. They also discuss the evolving role of humans in an AI-driven world, investment opportunities in the AI landscape, and how companies can prepare for a future where AI-human hybrid workforces become the norm. The conversation highlights the potential transformation AI could bring to various aspects of enterprise operations, making automation more accessible and efficient.00:00 Introduction to the Inside Scoop Podcast01:09 Meet Yuma Heymans: Founder and CEO of Omega AI01:48 The Vision of an Autonomous Business04:20 Challenges and Realities of AI Implementation06:48 The Role of Humans in an AI-Driven World10:16 Personal Challenges in Building an AI Business12:06 Departmental Automation: Software Engineering, Marketing, and Sales26:28 The Future of AI in Business and Investment39:01 Rapid Fire Questions and Bold Predictions44:32 Conclusion and Where to Find More InformationLearn more about Avory https://www.avory.xyz/_______Disclaimer Avory & Co. is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Avory & Co. and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Avory & Co. unless a client service agreement is in place.Listeners and viewers are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.“Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback, please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information and comments. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client's evaluation.Please reach out to Houston Hess our head of Compliance and Operations for any further details. Find more here https://www.avory.xyz/disclaimer-page

Most folks, including doctors, do not end up staying in their first jobs long-term.  In this episode of Financial Clarity for Doctors, Corey Janoff and Rachelle Vanderzanden talk over some of the financial implications of career transitions. These implications include: Changes in income amounts and the structure of pay Differences in work requirements Tax differences from place to place Things to look for in retirement plans and how to compare them Other benefits, including insurances How to negotiate as you consider a change This episode also covers many of the reasons physicians may choose to switch jobs and how to make transitions as smoothly as possible. Job changes can be hugely stressful, and being well-informed is a very important part of that process.  Listen to the full episode for more to keep in mind as you think about making this big life change!   For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Dive into a world where the smallest of expenses become the biggest threats to your financial health. Explore how hidden costs, from credit card fees to energy waste in your home, can silently deplete your budget in ways you never anticipated. In this episode, we unravel the intricate web of sneaky expenses and arm you with practical advice to combat them. You'll learn about the often-overlooked consequences of carrying even a small balance on your credit cards, leading to hefty interest charges that can eat away at your finances. We'll also discuss how your daily routines can inadvertently lead to inflated utility bills due to appliances that draw energy even when not actively in use.The podcast encourages listeners to adopt easy yet effective strategies to minimize unnecessary costs, ensuring that your financial health remains strong. By being mindful of these hidden expenses and remaining vigilant against fraud, you can take significant steps towards better financial wellness. Join us for this insightful conversation and empower yourself to make smart financial decisions. Don't forget to subscribe, share your thoughts, and leave a review! Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

Stephen W. Richman, President, and CEO of Rockdale Financial Services, Inc., has been providing investment and estate planning advice for over 45 years. A third-generation financial advisor, Steve was introduced to the business by his father.   Steve holds Series 6, 26, and 63 securities registrations and is licensed to provide Life, Health, and Disability Insurance. Stephen Richman is currently registered in 17 states of the USA. Mr. Richmans' broker dealer, Cetera Advisors, is currently registered throughout the continental USA. Should a potential client live in a state Mr. Richman is not registered, he can become registered through his broker-dealer to service this potential client.   Guy A. Paredes, Executive Vice President of Rockdale Financial Services, Inc. has helped hundreds of individuals and families create a healthy and secure financial future since 1980. As a member of the Rockdale team, Guy has a mission to assist clients in defining their financial and retirement goals, and set them on a path to achieving them. Guy continually strives to be his clients' most valuable asset in this process.   After running his own financial planning company for many years, Guy merged his company with Rockdale Financial Services in 2010, happily rejoining Steve Richman, his lifelong friend, with whom he'd started his career. With a shared commitment to excellence, the merger provides Rockdale Financial Services clients with an even greater depth and breadth of knowledge and experience.   Listen to this insightful RIA episode with Guy Paredes and Stephen Richman about creating a secure financial future. Here is what to expect on this week's show: - Why it's important for financial planners to mitigate risk, ensuring clients don't take unnecessary risks. - How clear, visual road maps can be very helpful in financial planning. - Why it's important to protect your clients' money against major market downturns while allowing for steady growth. - How the Imagine Retirement Process helps clients understand how their assets can be allocated to meet their long-term goals. - Why building trust and cultivating long-term relationships with your clients is critical in financial planning.   Connect with Guy and Steve: Links Mentioned: Rockdale Financial Services X Instagram Facebook LinkedIn Registered Representatives offering securities and advisory services through Cetera Advisors LLC, member FINRA/SIPC, a broker-dealer and Registered Investment Adviser. Some advisory services also offered through Rockdale Financial Services, Inc., a Registered Investment Advisor. Cetera is under separate ownership from any other named entity. 99 Corbett Way, Suite 103, Eatontown, NJ 07724 Seth Greene is not endorsed by nor affiliated with Cetera Advisors LLC or its representatives. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company. Investing in mutual funds is subject to risk and loss of principal. There is no assurance or certainty that any investment strategy will be successful in meeting its objectives. Investors should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact the financial professional at 732-695-2090 to obtain a prospectus, which should be read carefully before investing or sending money. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of Becoming Work Optional, Matt and Rachael focus on overrated financial planning topics, emphasizing the importance of distinguishing between effective strategies and those driven by marketing hype. Key discussions included the limitations of direct indexing, the misconceptions surrounding dividend investing, and the realities of real estate as a source of passive income. The speakers encouraged a more thoughtful approach to investing, prioritizing total returns and personal financial goals over popular trends.Key Points Discussed:Many financial planning topics are overrated and distract from important strategies.Work optional status emphasizes meaningful projects over traditional retirement.Direct indexing may be more marketing than a beneficial investment strategy.Tax loss harvesting has limitations and may not guarantee better performance.Dividend investing focuses on total return, not just income from dividends.Crypto is often marketed as a financial escape, which can be misleading.Real estate is not truly passive income; it requires significant management effort.Private investments carry high risks and fees; not essential for wealth growth.Traditional retirement and extreme frugality are often overrated concepts.Business expense write-offs are not free money; they simply reduce taxable income.Join Rachael and Matt as they provide practical advice for navigating the complex world of personal finance, helping listeners make informed decisions to secure their financial future.RachaelX/Twitter - @camp_wealthrachaelcampwealth.comMattX/Twitter - @matthew_garasicunrivaledwm.comDisclaimer: This podcast provides general information and discussion about finance, investing, and related subjects. The content provided in this podcast is not intended as investment advice and should not be taken as such. Always seek the advice of a professional or conduct your own research before making financial decisions.Rachael Camp offers advisory Services are offered through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600.Neither Camp Wealth or Unrivaled Wealth Management are affiliated with the CFD companies or each other.

In this episode of the Entrepreneur Aligned Podcast, host Jarrod Music delves into the intricacies of private real estate investments, a popular asset class among entrepreneurial families. Jarrod discusses the two primary approaches to real estate investing: cash-flowing properties and appreciation-driven projects. He provides valuable insights into single-family homes, multi-family units, commercial properties, and syndications, helping listeners understand the potential returns, risks, and management demands of each type. Whether you're a seasoned real estate investor or considering your first property, this episode offers practical advice on aligning real estate investments with your broader financial goals.       -----   ABOUT JARROD   Jarrod was born into financial planning and solving financial problems. With his financial advisor father Steve telling stories about finance around the dinner table from an early age, the idea that everyone has a different financial situation was always there. After an early professional career spent in nonprofit and government, Jarrod came back to his roots helping people plan and invest in 2011. Since then, he has worked with individual clients, led internal teams and ultimately became partner and the CEO of Destiny Capital in 2017. With a passion for helping entrepreneurs change the world, Jarrod ultimately oversaw the creation of Entrepreneur Aligned in 2020. With both Destiny Capital and Entrepreneur Aligned, Jarrod leads teams that help people live lives of abundance where money is simply a tool to let everyone be a positive force for the world around them. When he isn't working with the talented teams for EA and DC you can find him chasing his twins, wily trout or a podium spot at an OCR race.   WANT TO LEARN MORE?   Subscribe to our Entrepreneur Aligned Podcast for new episodes posted every week OR click below to check out more new content from Entrepreneur Aligned.   Wealth Digest - weekly articles delivered to your inbox! Subscribe to our YouTube channel Connect on LinkedIn Follow on Twitter Follow on Instagram Check out our Linktree   REACH OUT TO US!   If you have a question or simply want to talk through your financial planning, we are here to help.   SEND US A MESSAGE or call 720-715-7570   DISCLOSURE: Jarrod Musick is an officer of Destiny Capital and Entrepreneur Aligned, a DBA of Destiny Capital. All opinions expressed by Jarrod are solely his own opinions and do not reflect the opinion of Destiny Capital or Entrepreneur Aligned. This podcast is for informational purposes only and should not be relied upon as a basis for investment decisions. We recommend consulting with your wealth advisor, CPA/tax advisor and/or attorney, as applicable to your situation, prior to implementing a new investment strategy. Advisory services provided by Destiny Capital Corporation, a Registered Investment Adviser.

Erica sits down with Luke Sauter, a CPA, PFS, and investment advisor who shares insights on the intricacies of financial planning, emphasizing the importance of choosing a trustworthy fiduciary who provides consistent, transparent, and comprehensive wealth management services.   00:43 Meet Luke Sauter: CPA and Financial Specialist 02:34 A Personal Journey: From Corporate to Consulting 04:54 Understanding Financial Designations and Trust 09:37 The Role of a Fiduciary and Financial Planning 16:03 Building Trust and Transparency in Financial Advisory 20:56 The Importance of Regular Communication with Advisors 26:30 The Advisor Mindset Shift 27:13 Transactional vs. Relational CPA Models 28:26 The Importance of Integrated Wealth Management 32:37 Financial Planning for Different Net Worths 36:58 Understanding AUM and Fee Structures 49:59 Choosing the Right Financial Advisor 56:13 Conclusion and Contact Information   Get my Monthly Newsletter here ____________________ Connect with Luke | Website | LinkedIn | Facebook | Instagram | YouTube Connect with Erica | LinkedIn | Website | Newsletter   Disclaimers: Vidarrow Investment Advisors is a Registered Investment Adviser in the state of Illinois. Advisory services are only offered to clients or prospective clients where Vidarrow and its representatives are properly registered or exempt from registration. This podcast is for informational purposes only and does not constitute individualized advice or a guarantee that you will achieve a desired result. You should consult with appropriate tax and/or financial advisors for advice specific to your situation. All expressions of opinion reflect the judgment of the host/interviewee on the date of the program and are subject to change. Luke Sauter is an investment adviser representative of Vidarrow. The firm is a registered investment adviser and only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Discussions should not be construed as an offer to buy or sell, or a solicitation of an offer to buy or sell the investments mentioned. A professional adviser should be consulted before implementing any of the strategies discussed. Investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's portfolio. All investment strategies can result in profit or loss.  

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff walk through some of the attention-grabbing headlines during the first few weeks of President Trump's second term.  Most people have at least some reaction to everything we see, but how might this affect your finances? Topics covered in this episode include: Policy proposals and potential economic impacts (or lack of economic impacts). How is the stock market reacting to dramatic headlines? The potential impacts of new policies on medical careers. Student loans. When you are investing for the long-term, it doesn't usually make sense to adjust your strategies based on what's happening in the world at this moment.  BUT it is completely understandable to want to debrief.  We are all notoriously terrible at how current news headlines will affect the economy and the stock market, so try not to let your knee-jerk reactions impact your investment decisions. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Navigating the financial landscape of marriage can be a complex journey, especially as Valentine's Day encourages reflections on partnerships. Join me, Stacey Hyde, as I recount my own experiences of merging finances with my husband during our early years, a decision that, though initially driven by necessity, proved to be an invaluable cornerstone for our financial success. This episode tackles the delicate dance between maintaining separate accounts and ensuring both partners have necessary access in critical times. Hear the real-life stories and lessons learned that highlight the importance of joint financial planning and preparedness.As we unravel the intricate web of transitioning into retirement, I stress the necessity of re-evaluating financial strategies and ensuring seamless access for both partners. Through relatable anecdotes, including the struggles faced by a friend in the midst of her husband's health crisis, I emphasize the need for proactive measures like joint account ownership or Transfer on Death designations. Whether you're just starting out or approaching retirement, this discussion offers essential insights to help you and your partner achieve a stress-free and harmonious financial future. Tune in and empower your partnership with practical knowledge and foresight. Envision Financial Planning. 5100 Poplar Avenue, Suite 2428, Memphis, TN 38137. (901) 422-7526. This communication is strictly intended for individuals residing in the United States. Advisory Services offered through Envision Financial Planning, a Registered Investment Adviser.

UCLA Associate Professor Valentin Haddad joins Michael Green and Christopher Getter to discuss his work on passive investing.For more information, https://www.simplify.us. Questions about the content discussed in this video? Please contact info@simplify.us.Simplify Asset Management Inc. is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Simplify Asset Management Inc. and its representatives are properly licensed or exempt from licensure. SEC registration does not constitute an endorsement of the firm by the Commission, nor does it indicate that the advisor has attained a particular level of skill or ability. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This content is not intended to provide investment, tax, or legal advice.This content is solely for informational purposes and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. These materials are made available on an “as is” basis, without representation or warranty. The information contained in these materials has been obtained from sources that Simplify Asset Management Inc. believes to be reliable, but accuracy and completeness are not guaranteed. This information is only current as of the date indicated and may be superseded by subsequent market events or for other reasons. Neither the author nor Simplify Asset Management Inc. undertakes to advise you of any changes in the views expressed herein.

In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff discuss all the fun expenses that come along with pet ownership.  When you love something, it tends to cost you a little more! Topics covered in this episode include: Basic ongoing expenses of pet ownership. How the costs of pet ownership have changed over time. The ins and outs of pet insurance. How to be prepared for large, unexpected costs and deal with them when they arise. We have all heard or experienced the horror stories of a nine-week-old puppy eating socks or chocolate.  As a pet owner, expecting the unexpected is a great place to start.  To learn more, listen to the full episode. For more financial planning tips from Corey and Rachelle, find them on social media! LinkedIn: @CoreyJanoff and @RachelleVanderzanden; Instagram: @CoreyJanoff and @VanderzandenRachelle; and Twitter: @CoreyJanoffCFP and @RachelleFinance  Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Answering Listener Questions on asset allocation, retirement strategies, and the intricacies of real estate investing. With Brad Barrett and Rachael Camp. Whether you are pondering upon the backdoor Roth IRA strategy or seeking clarity on managing funds without a 401k, this episode is for you!   Public Service Announcement: Importance of filing the Beneficial Ownership Information form for legal entities by December 31st 00:01:21. Mailbag Questions: How to Invest Without a 401k: Options include traditional IRAs and Health Savings Accounts (HSAs), while noting contribution limits. 00:03:43, 00:04:12. Company Matches in Retirement Accounts: Highlighted as a crucial opportunity to maximize savings 00:09:12. Backdoor Roth IRA: A legal way for high earners to sidestep income limits for Roth IRA contributions 00:15:09. Asset Allocation: Discussion on the complexities of asset allocation, particularly as one approaches retirement, and the impact of sequence of returns risk 00:24:07. Real Estate Investing: Key considerations and the risks associated with real estate investments 00:56:01. Questions: What can I do if my employer doesn't offer a 401k? Consider options like a traditional IRA or a health savings account. 00:04:12 How do I manage sequence of returns risk in retirement? It's crucial to have a cash reserve and bonds as a cushion against market downturns. 00:26:36 What should I consider when investing in real estate? Understand cash flow, assess the market, and account for all potential expenses and vacancies to avoid risks. 00:58:08   Actionable Takeaways: Review and potentially set up a traditional IRA if your employer doesn't offer a 401k. 00:04:12 Consider maintaining a cash buffer for the first few years of retirement to mitigate risks. 00:26:36 Maximize your retirement account contributions to include any employer matches. 00:09:12 "Avoid reverse dollar cost averaging by holding onto equities during market downturns." 00:39:28 "Company matches in retirement accounts offer unmatched returns—don't miss out!" 00:09:12 "Explore diverse account types for effective financial management." 00:10:00     **Disclaimer Please note: Rachael Camp offers advisory Services through Creative Financial Designs, Inc., a Registered Investment Adviser, and Securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902. 765-453-9600. Camp Wealth is not affiliated with the CFD companies.