Podcasts about registered investment advisor

You don't have to be 100% fee-only to transition your practice to the RIA model.There are potential ways to “solve” for your remaining legacy commission assets.One potential way is to utilize an “RIA-Friendly Broker-Dealer.”But what exactly is an RIA-Friendly Broker-Dealer?How does it work?Is it available for you to use?How much does it cost?In this episode (#124) of the Transition To RIA question and answer series, I explain what an RIA-Friendly Broker-Dealer is and when you might consider using one.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-an-ria-friendly-broker-dealer/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Are Your Investments Aligned with Your Faith? Many nonprofit organizations accumulate assets for long-term investments, such as endowments and portfolio funds. While these mission-driven organizations would never openly support businesses profiting from pornography, gambling, abortion pills, or other activities contrary to Christian values, they may unknowingly be investing in these very industries. By deploying investment capital into broad index mutual funds or similar vehicles, ministries and nonprofits may see healthy returns. But should they be profiting from businesses that operate against their faith principles? If your nonprofit invests without considering the activities of the companies it supports, it may be time to reconsider. Christian organizations can invest in ways that honor their values while still fulfilling fiduciary duties to maximize long-term, risk-adjusted returns. Faith-based investing allows ministries to express their mission not only in day-to-day operations but also in how they steward financial resources. Meet Our Guest: Douglas R. MacGray. Doug is an experienced financial planner and passionate advocate for faith Driven investing. His journey began as a missionary in Micronesia, where he taught in a Christian boys' boarding school and supported local church outreach. As an attorney, Doug practiced law in Delaware for over a decade, specializing in estate planning and advising nonprofit organizations. He later transitioned into financial planning, obtaining his Certified Financial Planner (CFP) designation and acquiring a financial planning company. Today, he is the sole owner of Stonecrop Wealth Advisors, a fee-only Registered Investment Advisor. Doug works with nearly 200 families and individuals, with about 20% of his business dedicated to nonprofit ministries, including Christian higher education institutions, churches, and other faith-based organizations. Faith, Service and Health Board member at Gordon College, a Christian institution in Massachusetts Former board member at a Christian seminary and K-12 school Volunteer supporter of Edify, an international nonprofit supporting Christian K-12 schools in Latin America and Africa Has traveled to Uganda, the Dominican Republic, and Panama to support faith-based education initiatives Training to run two marathons in 2025 Join host Mark Griffin as he navigates the following key discussion points with his guest Doug MacGray. Hidden Risks in Traditional Investments Many nonprofits unknowingly invest in companies engaging in activities that contradict their faith. Understanding how mutual funds allocate capital is crucial for aligning investments with Christian values. Faith-Based Investing: A Responsible Alternative Nonprofits can structure their investment strategies to uphold Christian principles. Strategies exist to ensure strong financial returns while honoring faith commitments. Practical Steps to Align Investments with Mission How organizations can conduct an investment audit. Resources and advisors available to help nonprofits transition to faith-aligned investing. Call to Action If you serve on the board of a nonprofit, work in Christian higher education, or manage a ministry's finances, now is the time to assess your organization's investment strategy. Faith-based investing is a powerful way to ensure that your financial resources reflect your values. Concerned about your organization's as-is HR programs? The benefits of having a trusted partner guide you and your team to excellence are invaluable. Contact us today. You and your employees will be glad you did. Rise with us by implementing our high-performance remote human-resource programs to help find great people! E-mail us here. Mark A. Griffin is president and founder of IHN HR. Connect with him on LinkedIn and Twitter.

So, you want to start an RIA?You want the better economics that come with it?The increased flexibility you'll have with your practice?But are you aware of the additional responsibilities that come with it as well?As advantageous as the RIA model is, there is no free lunch.It's important to understand what the additional responsibilities are, to determine if they are something you are able/willing to accommodate.And with your specific situation, whether the added benefits of the model outweigh the added responsibilities.In this episode (#123) of the Transition To RIA question & answer series, I explain what the additional responsibilities are of having your own RIA.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-additional-responsibilities-come-with-your-own-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Guest:Philip Palumbo, Founder, CEO and Chief Investment Officer, Plaumbo Wealth Management (AUM: approximately $650M)Website: https://palumbowm.com/Bio:Philip G. Palumbo is Founder, CEO and Chief Investment Officer of Palumbo Wealth Management. He is a contributor on CNBC, Bloomberg, Reuters, Schwab Network, and Cheddar News. His market insights have been quoted in such leading publications as The Wall Street Journal and Barron's. He has authored, Make Work Optional, a book dedicated to assisting individuals and families on how to properly plan and invest their money. He served as Senior Vice President and Senior Portfolio Manager at UBS before forming Palumbo Wealth Management, a full-service boutique wealth management firm. Over the past 20 years, Philip has held senior roles with several major financial institutions, and he has successfully assisted families and individuals navigate some of the most challenging market environments in recent history. The leadership Philip provided for his clients during these difficult markets has helped them achieve their most important financial goals as they prepare for retirement.Philip's UBS practice, the Palumbo Wealth Management Group, was a premiere Long Island-based wealth management team. He has lectured and taught several thousands of families and individuals throughout his career at a major university on subjects such as retirement and investment planning, tax, estate and trust planning, family governance and asset protection.Philip has long held a tremendous inner passion for delivering exceptional financial advice and guidance to his clients and always putting their interest first before anyone else, no matter what. He has always felt that the way financial institutions deliver wealth management can be greatly improved. For this reason, Philip registered Palumbo Wealth Management as a Registered Investment Advisor. His vision was to create an environment where the only focus was on what is best for their clients.Philip wants clients to know that the Palumbo Wealth Management serves as legal fiduciaries on every piece of advice it gives them, and the firm has unlimited access to the best in breed products, services and research that are available within the financial services industry. Palumbo Wealth Management isn't just focused on profits, but rather on delivering an incredible world class experience and service offerings that would make clients proud.As the firm's Chief Investment Officer, Philip has spent countless hours researching the changing economic environments and how various investment categories have performed over a 50-year time period. His findings from this research are the foundation to the investment models he utilizes to assist his clients in achieving their financial goals. Philip has 20 years of experience managing money over some of the most difficult and volatile market periods in history and he has used this experience and research to guide his clients effectively in achieving their financial goals.Philip feels we all get one chance at life. Putting your best self forward and doing what you feel is right based on your core values and beliefs systems, is the WHY behind forming Palumbo Wealth Management.Philip has earned the Certified Financial Planner (CFP®) designation. This designation is awarded to individuals who complete two years of specialized education, pass a comprehensive two-day examination, have required experience and meet ethical and continuing education requirements. Topics covered include retirement planning, insurance, employee-benefit planning, income planning, estate and trust planning, tax planning and investment strategies.Read the rest of his bio here:https://palumbowm.com/about/our-team/

If you buy a disability insurance policy, if there's one piece of advice to take away from this episode it's this: make sure it's current. That means much more than making sure the premiums are paid up, and my guest today is going to fill in the blanks for us.Drew Powers is the Founder of Powers Financial Group, LLC, a Registered Investment Advisor. He specializes in advanced insurance and investment strategies for doctors. Drew is 100% independent, he doesn't work with any investment or insurance company, which means he's able to give unbiased advice that is most beneficial for his clients. Drew started his career in 2001 as a Market Maker on the Chicago Board Options Exchange, where he managed trading portfolios comprising of hundreds of equity- and equity-index option listings. In 2008, he transitioned to the role of Financial Advisor and Investment Advisor Representative, where he helped clients develop individual financial strategies. At Powers Financial Group, Drew leverages his stock and options trading expertise with his financial advising experience to help clients increase and protect their wealth. Drew lives in Naperville with his wife and their two children. He is an avid downhill skier, active in youth sports, a proud "Rooster" within the Naperville Jaycees, and is passionate about CrossFit and the Paleo/Primal Lifestyle.In this episode Carl White and Drew Powers discuss:What keeping your disability insurance policy current really meansThe triggers that drive the need to update your disability insuranceWhether or not everyone needs disability insuranceWant to be a guest on PracticeCare?Have an experience with a business issue you think others will benefit from? Come on PracticeCare and tell the world! Here's the link where you can get the process started.Connect with Drew Powershttps://powersfg.com/https://www.linkedin.com/in/powersdrew/https://www.facebook.com/PowersFGhttps://twitter.com/Powers_FGhttps://www.instagram.com/powers_fg/Connect with Carl WhiteWebsite: http://www.marketvisorygroup.comEmail:  whitec@marketvisorygroup.comFacebook:  https://www.facebook.com/marketvisorygroupYouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmigLinkedIn: http://www.linkedin.com/in/healthcaremktg

Advocates of the RIA model will often passionately proclaim “THE PAYOUT IN THE RIA MODEL IS 100%!!!”With such generous economics, the RIA path must surely be best, right?For many advisors, it is the best path to take. But boastful headline numbers alone are not what determines that.For starters, it's not a “payout” at all. As your own RIA, you're simply receiving the fee revenue you generate from your clients for the value and services you provide for them.From that revenue, you must then deduct the expense associated with providing that value.Then with multiple variables now involved, you must be careful to do a true apples-to-apples comparison to what “payout” you have currently.In this episode of the Transition To RIA question & answer series I explain how the 100% “payout” in the RIA model works and how it would look for your practice.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/is-the-payout-in-the-ria-model-really-100-percent/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Our guest this time, Kane Brolin, will quickly and gladly tell you that as a blind person born in Iowa in 1965 he was mightily blessed to be born in that state as it had the best programs for blind people in the nation. Kane was born prematurely and, because of being given too much oxygen he became blind due to a condition known as retinopathy O. Prematurity. In fact I am blind due to the same circumstance. As it turns out, Kane and I share a great many life experiences especially because of the attitudes of our parents who all thought we could do whatever we put our minds to doing. Kane attended public school and then went to Iowa State University. He wanted to be a DJ and had a bit of an opportunity to live his dream. However, jobs were scarce and eventually he decided to go back to school at Northwestern University in Illinois. He formed his own financial and investment company which has been in business since 2002. He is a certified financial planner and has earned the Chartered Special Needs Consultant® designation.   We talk quite a bit about financial matters and he gives some sage advice about what people may realize are good investment ideas. He talks about investing in the stock market and urges investing for the long term. I leave it to him to discuss this in more depth.   Kane is quite committed to “pay it forward” insofar as dealing with blind people is concerned. He is currently the president of the National Federation of the Blind of Indiana. He also serves as a member of the Board of Directors for Penny Forward, Inc., a not-for-profit founded and run by blind people which strives to build a diverse and aspirationally-focused community of blind people who help one another achieve financial fitness, gainful employment, and overall fulfilment in life.   I find Kane quite inspirational and I hope you will do so as well. He has much to offer and he provided many good life lessons not only about financial matters, but also about blindness and blind people.       About the Guest:   Born in 1965, Kane Brolin spent his formative years in the state of Iowa and later went on to earn a Master's degree from the JL Kellogg School of Management at Northwestern University in Evanston, Illinois, which is near Chicago.  Since the year 2002, he has owned and operated a financial planning and investment management business based in Mishawaka, Indiana, located not far from The University of Notre Dame.  Over the years, he has become a CERTIFIED FINANCIAL PLANNER™ Professional and has earned the Chartered Special Needs Consultant® designation.  When doing business with his clients, securities and Advisory Services are offered through Commonwealth Financial Network, a Registered Investment Advisor which is a Member of FINRA and SIPC,.   Having been totally blind for all his life, Kane feels indebted to many people who selflessly gave of their time, talent, and resources to help him acquire the education, skills, and confidence that enable him to lead a busy and productive life in service to others.  Many of those who made the biggest impact when Kane was growing up, also happened to be members of the National Federation of the Blind.  So after getting established on his current career path, he increasingly felt the impulse to give back to the organized blind movement which had served his needs from an early age.   Kane co-founded the Michiana Chapter in the National Federation of the Blind in 2012 and subsequently was elected to serve a two-year term as president of the Indiana State Affiliate of the NFB in October, 2022.  He is thankful for the early introduction of Braille, as well as for the consistent drumbeat from parents, peers, and professors which set and reinforced continuously high expectations.     In addition to his work with the NFB, Kane serves as a member of the Board of Directors for Penny Forward, Inc., a not-for-profit founded and run by blind people which strives to build a diverse and aspirationally-focused community of blind people who help one another achieve financial fitness, gainful employment, and overall fulfilment in life.   Kane lives in Mishawaka with Danika, his wife of 27 years, and their four children.  Kane and Danika were active foster parents for 11 years.  The Brolin family have been committed to numerous civic organizations; they and their family are active in their place of worship.  Giving back to the world is a continuously high priority.  They endeavor to teach their children by example, and they impart to them the wisdom of Dr. Martin Luther King Jr.: “You can all be great, because you can all serve.”   Ways to connect with Rob:   BrolinWealth.com LinkedIn public profile nfb-in.org pennyforward.com   About the Host:   Michael Hingson is a New York Times best-selling author, international lecturer, and Chief Vision Officer for accessiBe. Michael, blind since birth, survived the 9/11 attacks with the help of his guide dog Roselle. This story is the subject of his best-selling book, Thunder Dog.   Michael gives over 100 presentations around the world each year speaking to influential groups such as Exxon Mobile, AT&T, Federal Express, Scripps College, Rutgers University, Children's Hospital, and the American Red Cross just to name a few. He is Ambassador for the National Braille Literacy Campaign for the National Federation of the Blind and also serves as Ambassador for the American Humane Association's 2012 Hero Dog Awards.   https://michaelhingson.com https://www.facebook.com/michael.hingson.author.speaker/ https://twitter.com/mhingson https://www.youtube.com/user/mhingson https://www.linkedin.com/in/michaelhingson/   accessiBe Links https://accessibe.com/ https://www.youtube.com/c/accessiBe https://www.linkedin.com/company/accessibe/mycompany/   https://www.facebook.com/accessibe/       Thanks for listening!   Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below!   Subscribe to the podcast   If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can subscribe in your favorite podcast app. You can also support our podcast through our tip jar https://tips.pinecast.com/jar/unstoppable-mindset .   Leave us an Apple Podcasts review   Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.       Transcription Notes:   Michael Hingson ** 00:00 Access Cast and accessiBe Initiative presents Unstoppable Mindset. The podcast where inclusion, diversity and the unexpected meet. Hi, I'm Michael Hingson, Chief Vision Officer for accessiBe and the author of the number one New York Times bestselling book, Thunder dog, the story of a blind man, his guide dog and the triumph of trust. Thanks for joining me on my podcast as we explore our own blinding fears of inclusion unacceptance and our resistance to change. We will discover the idea that no matter the situation, or the people we encounter, our own fears, and prejudices often are our strongest barriers to moving forward. The unstoppable mindset podcast is sponsored by accessiBe, that's a c c e s s i capital B e. Visit www.accessibe.com to learn how you can make your website accessible for persons with disabilities. And to help make the internet fully inclusive by the year 2025. Glad you dropped by we're happy to meet you and to have you here with us.   Michael Hingson ** 01:20 Hi, everyone. I am your host, Michael Hingson, or you can call me Mike. It's okay. And this is unstoppable mindset where inclusion, diversity in the unexpected. Meet today. We're going to do a little bit of all. We're inclusive because my guest Kane Brolin, or if you're from Sweden, it's Brolin, and it's pronounced Brolin, not Brolin, but Kane bralin, or broline, is in Indiana, and Kane also happens to be blind, and has been blind his entire life. We'll get into that. He is very much involved in investing and dealing with money matters that I'm interested to get a chance to really chat about it's always fun to talk to people about how they're helping people with finances and money and getting insights. And I'm sure that he has some to to offer. So we'll get to that. Kane also happens to be the president of the National Federation of the Blind of Indiana, and so that keeps him busy, so he deals with money, and he's a politician to boot. So what else can you ask for? I pick on Kane by doing that, but nevertheless, Kane, welcome to unstoppable mindset. We're glad you're here. Thank   Kane Brolin ** 02:34 you. And there are there are times when the politics and the money issues can be a dream. There are other times it can be an absolute nightmare, either one, either one or both and and the thing that ties those together in common ground is that I walk in in the morning, and sometimes they have no idea what I'm about to walk into. So it does make for an adventure. Well,   Michael Hingson ** 02:57 the Fed has lowered interest rates. What do you think about that?   Kane Brolin ** 03:01 Well, there is some ramification for what happens in the consumer marketplace. The main thing that I've been hearing today is that even with those lowering of short term interest rates, you're seeing some long term interest rates go down the mortgage rates, especially, and those two are not necessarily always related. You don't always see the long term interest rates that the market determines through supply and demand. They don't always go in sync with the short term baseline rate that the Federal Reserve banking system sets, but in this particular case, they are, and what I've been reading this morning is that that may be at least good news in the short run for consumers, because they'll be paying Lower interest for new mortgages and also perhaps lower credit card rates or credit card payments. Of course, the downside is that if one invests and is lending money instead of borrowing it, that means sometimes lower rates of income that you can get from things like a certificate of deposit or an annuity. So there's always two sides of the same coin, and then it depends on which side you happen to be looking at. At the moment, right now, the market seems to like this convergence of interest rate activities, and the stock market has generally been up today. So by the time people hear this, that won't matter because it's a whole different day, but, but right now, the early returns coming in are pretty good for the the common human being out there trying to just manage their money.   Michael Hingson ** 04:54 Well, that's not really surprising, in a sense, because rates have been high for a while. Yeah, and things have been tough. So it's not surprising that people have made, and I would put it this way, to a degree, the marketing decision to respond favorably to the rates going down, and I know there's been a lot of pressure for the thread to lower its rate, and so they did. And I think that a lot of different entities kind of had to respond in a reasonably positive way, because they kept saying that it's time that the rates go down. So they had to respond. So we'll see how it it all goes. I   Kane Brolin ** 05:33 think, you know, and there's an issue I think that's salient to people with disabilities, blind people, included, if it's less expensive for the consumer to borrow money, it should follow that in the coming weeks, it should be less expensive for businesses to borrow money if they need some, and they may be more inclined to open up more jobs to people or to not shrink the jobs or The hiring that they have done by laying people off so and that's what I was just about. No one is a recession, and so it may mean that there are openings, there's room in the job market for more of us, because the thing I'm most passionate about in this whole game of helping blind people is getting us access to money and getting us access to gainful permanent work.   Michael Hingson ** 06:24 And that's what I was actually going to going to talk about, or not talk about a long time, but, but mention was that the real test will be how it affects the job market and the unemployment rate and so on. And I hope that that that will go down. I know it's been sort of ticking up a little bit, although in reality, of course, for persons with disabilities, the unemployment rate is a whole lot higher than around 4% so it'll be interesting to see how all that goes all the way around. But even just the national unemployment rate, I would hope that if that has been an excuse because the rates have been high, that now we'll see that start to drop, and, you know, so we'll see. But I think it's a it's going to be one of those waiting games to see how the world responds. Of course, we have a whole political thing going on with the election and I'm sure that some people on the political side like the the drop better than people on the other side do, but again, we'll see how it all goes. So it's it makes life fun. Well, tell me a little bit about you, if you would, sort of maybe the early cane growing up and all that sort of stuff. You were born, according to your bio, back in 1965 so I was 15 at the time, so I remember the year. So you've, you've been around a little while, though, however, so tell us a little bit about the early cane.   Kane Brolin ** 07:54 Yeah, I don't remember too many years, or any years, really, prior to about maybe 1971 or 72 with any degree of real clarity. You know, I would say that my early years were a mixed bag, but in the main they were good, of course, being immediately confronted with rLf, or retinopathy of prematurity, as they call it these days, and being blind from the very beginning, most people would probably out there consider it a tragedy. But if I if I knew that it was my fate to be a blind person, which I suppose it is, then I won the lottery as being a blind person, I think. And that might be a controversial statement, but the truth is that there is no place in the United States, and probably no place in the world that would have been better for me to grow up in in the late 1960s and 1970s than in Iowa, because now there was, there was no other blindness in my family. It's not hereditary. My parents had no idea how to deal with it in the very beginning.   Michael Hingson ** 09:12 Were you born prematurely? I was, yeah, which is why I weigh you have that   Kane Brolin ** 09:16 something like two pounds, 10 ounces at birth. So there is a part of me that realizes that I am very fortunate to be alive, and I'm very fortunate that my brain has functioned pretty well for most of my life. You can't always count on that either, you know, and when you get when you get older, my my father was a very bright person, and yet he lived during the last 10 years of his life, he struggled with dementia and some other problems so but I can say that I've had a good run so far, and you know what they what they didn't know. At least my parents and others in my family knew what they didn't know. And I. But when you don't know what you don't know, you flounder and and settle for almost anything, including fear. But when you know what you don't know, then you understand you need to research things. And I happened to be in a state that had been graced by the presence of Dr Kenneth Jernigan, principally. And of course, other people that I had no idea who they were at that time. You know, folks like James gaschell and James on VIG right, and and others. I think Joanne Wilson came out of that mix. I didn't know her either, but I've read about all these people in the past, but, but first and foremost, my parents found out that Dr Jernigan was number one, very brilliant. Number two did not settle for low expectations. And number three had the advantage of being both the head of the Iowa Commission for the Blind, which was a state sanctioned Agency, and the National Federation of the Blind, which is, or, you know, has been for most of the last 84 years, the leading advocacy organization and civil rights organization of the Blind in in the United States. Now, I'm not here to make a political point about that, but in Iowa, they were definitely more well known than anyone was, and because he could pull strings which influence things like educational budgets, and he also had very much a civil rights mindset and an aggressive mindset of going forward and breaking down barriers, this is a rare combo platter of traits and possibilities that I very much benefited from. And when I say that, I mean that from the very beginning, at five or six years old, I had Braille. I didn't have Braille in the beginning, but, but my parents did and and my dad actually knew enough about it to construct a set of blocks with print lettering on one side, Braille on the other side. And so not only did I have a really good teacher in my first couple of years of public school education named Doris Willoughby, some may be familiar with her. I know Doris will rip she has passed on in the past couple years, but she made a great impact in in my life, and a very deep impact in others lives too. But because of her influence and like minded people, I had access to books. I had access to mostly mainstreamed integrated education, where I was in the classroom with other sighted students, except for certain parts of certain days, you know, I had access to a great big wall mounted tactile map that was like a puzzle. And I understand Dr Jernigan designed that one too, where I could actually feel and take apart the states of the Union. And so I could tell where Oklahoma was, where Massachusetts was, where Indiana is. I could tell the shapes of the various states. I thought it was kind of curious that California, where you are from, Michael, is shaped very much like a banana, or at least that's what occurred to me at that time. I had recorded books. I had talking books. And you know, while there are things I did not get out of a mainstream public education that I kind of wish I had gotten out of it, from a social standpoint, from an athletic standpoint, the academics were on point, and I had access to resources, and I kind of just was living in a in a dream world, in a way, because even through my college days, I thought, Well, gee, it's great that we have all this now. Why is there all this blind civil rights stuff going on now? Because this was solved from the beginning of my childhood. Little did I realize that that is not the case in most other parts of the country or the world, but I got what I needed to at least have a shot on goal at success, and I'm very grateful for that, and it's one of the reasons that I have chosen to dedicate a portion of my life, during my prime working years, even to the National Federation of the Blind, because I want to pay this forward and help out some people that may not have had all the advantages that I had, even, even in the bygone days that I was growing up,   Michael Hingson ** 14:23 sure? So tell me, because I went through some of the same experiences you did in terms of being born premature and becoming blind due to rLf, which stands for retro enteral fibroplasia. And if people want to know how to spell that, they can go by thunder dog, the story of a blind man, his guide dog, and the triumph of trust at ground zero. And you can learn how to spell it there, because I don't remember how to spell it. We put it in the book, but that's what I remember. But so when you be when it was discovered that you were blind, how did your parents handle that? What did they say? Right? What did the doctors say to them? Because my experience was and, you know, of course, I didn't know it at the time, but my parents told me later that the doctor said, send him off to a home because he could never amount to anything, because no blind child could ever contribute to society. What was, if, from your understanding from your parents, what was what happened to you? If any   Kane Brolin ** 15:21 doctor ever said that to them? They never told me about it. What I what I do know is that there is an eye doctor that was a part of their lives, who I saw a couple of times, probably in my childhood, who was a a female optometrist or maybe an ophthalmologist in the area, and they really had a lot of respect for her. I never felt marginalized or dismissed. Yeah, as a part of my childhood, part of it is that I don't think my parents would have tolerated that, and my   Michael Hingson ** 15:55 parents didn't, either my parents and my parents didn't either they said, No, you're wrong. He can grow up to do whatever he wants, and we're going we're going to give him that opportunity. And they brought me up that way, which is, of course, part of what led to my psyche being what it is. And I too, believe in paying it forward and doing work to try to educate people about blindness and so on, and supporting and and I've been involved with the National Federation of the Blind since 1972 so it's been a while. Yeah, I would say,   Kane Brolin ** 16:27 I know I remember. I have a very, very fuzzy memory of being four, maybe five years old, and I know that they considered putting me into the Iowa Braille and sight saving School, which was a school for the blind in Iowa no longer exists, by the way, but they did consider it and decided against it. I don't think they wanted me to just go off to boarding school I was five. I know that that does work for some people, and I know that in later years, I've read that in some cases, even Dr Jernigan believed that schools for the blind were better, especially in places where there wasn't a truly sincere effort by public school systems to integrate and set high expectations for blind students. Well,   Michael Hingson ** 17:13 of course, here in California, for example, in the 50s and so on, as the California School for the Blind we had and and earlier, Dr Newell Perry, among others, who was a blind mathematician. Of course, Dr tembrech was was out here, and there were values and reasons why the schools could make a difference. My parents were pushed really hard by my elementary school principal to send me off to that school, and I actually remember hearing shouting matches between them, because parents said ah and and I didn't go to the school. I don't know what it was like by the time we moved out here and we were putting me in kindergarten, first and second grade. So like in 5657 I'm not sure what the school was like, but my parents didn't want me to not have a real home environment. So, you know,   Kane Brolin ** 18:12 yeah, and so, you know, I remember my childhood is, well, it wasn't like everybody else's childhood. One of the the issues happened to be that my the neighborhood that my family lived in, did not have a lot of kids in it that were my age for most of the time I was there, the schools in the early to mid 70s at least that admitted blind students in the town that I grew up in, which was Cedar Rapids, Iowa, there was only one set of schools on the opposite side of town where they were sending blind kids for those resources. Now that later changed and the decision was made. I guess I made the decision to stay out there. So one of the differences was that I was bussed from the southeast side of town to the southwest side of town. So there were kids I got to know through school, but I didn't have any kind of social life with most of them, with a couple different exceptions, through my childhood. So it was a lot of academics, it wasn't a lot of play time, right? That certainly informed how I grew up, and it's made me a little bit struggle to understand and and be a really sensitive, playful, patient type parent, because my my kids and I'll, we'll go there when we get there, but my, my children, I have four, they're all still in home right now, are very normal kind of rambunctious kids that enjoy and struggle with the same things that any other kids do. They are all sighted, but, but my parents were. Was pretty strict. They set high expectations, but some of that was high expectations for behavior as well. So I really wasn't ramming around and causing trouble and getting into mischief and, you know, getting on my bike and riding for miles outside the way kids did in the 70s. So there there were limitations in my childhood, but, but, you know, my parents, too, expected me to utilize and to have the resources that would lead me to be anything I wanted to be. And I honestly think that if I had said, I want to be the President of the United States, they would not have ruled it out. Now, the only thing I've really been president of is several different civic organizations and the Indiana branch of the NFB. You know, that's something not everyone does. I've interviewed a governor before when I was a journalism student. That was fun, and I've met congress people, but they did not set the limitations. You know, sometimes maybe I did, but but they didn't. And so I'm really grateful for that, that as long as I knew what I wanted, they made sure that I had the tools and access to whatever training they knew about that could help me to   Michael Hingson ** 21:18 get there. So you you went through school. And I think our our younger lives were fairly similar, because I also, when I went into fourth grade, and we finally had a resource teacher in the area, I was bused to the other side of town for that. And all of that kind of came together when I started high school, because everyone in Palmdale went to the same high school, so anyone I knew prior to going across town, I got to know again, and still knew as as friends growing up, but we all went to high school together. But you know, I hear exactly what you're saying, and my parents did not impose limitations either, and I'm very blessed for that. But you went through school and then you went to college. Tell me about college.   Kane Brolin ** 22:19 It was a fun experience. Glad that I went through it. I attended Iowa State University for my bachelor's degree. I know that you've never, ever heard this before, but I really dreamed about being a radio personality. And I say that sarcastically. It's what I wanted to be, because I had a cousin that was in the business. But of course, since then, as I've gotten more into blind blindness culture and met many other people that I never knew growing up, I know that that the media and especially radio as a gift, is really fascinating to many of us, and a lot of us have had rotations in different parts of that, especially with the advent of the internet, but this was back during the 70s and 80s, and what I wanted to be at first was a DJ. Used to pretend to be one at home all the time and then, but I also knew where the library was, and I developed a great love of books and information and data. To some degree, I wasn't really a math guy, more of a word guy, but I then developed a deep interest in journalism and investigation and research, and so by the middle to late 80s, what I wanted to be was, let's just call it the next Peter Jennings, if one can remember who that is, right. And I'm sure that there are probably, you know, facsimiles of him today,   Michael Hingson ** 23:50 but it's hard to be a facsimile of Peter Jennings. But yeah, he really is,   Kane Brolin ** 23:55 and that he was great and but you know the disadvantage, the advantage and the disadvantage of going to Iowa State University. I Why did I go there? Because any of my few relatives that had gone to college, including my dad, had had gone there. My dad was very loyal to his alma mater, and he told both myself and my sister, who is a very different person and not blind at all. If it was good enough for me, it's good enough for you, and if you want me to pay for it, here's where you're going to go. Now, Iowa State is mostly an engineering and agricultural school. It's a land grant institution. And I know that land grant institutions are a little controversial in today's climate where there is more of an emphasis on diversity, equity, inclusion and making up for some past societal wrongs, but these are deeply respected institutions that mainly turned out people that ended up well, doing things like building. Bridges and being mechanical engineers and developing new seed corn hybrids and things of this nature. It did have a telecommunicative arts program, and I was in it, but there were very few of us in it, and I did get a chance to get my hands on the equipment. I was a broadcaster, first on a student radio station at Iowa State called K usr. Then I actually did work for pay, sort of for a number of years for w, O I am and FM, which were flagship stations of what we would now call the the NPR network. You know, these were around since the 20s, and I actually did work for them. I was on air a little bit. I ran the control board a lot, and I worked for those two stations on a part time basis, probably about a three quarter time basis, for several years after leaving college, and it was really a student job, but I had trouble finding any other more meaningful work in the industry. What I gradually came to find out is that I loved radio, but radio really didn't love me, and I wasn't really thinking strategically. At that time, I graduated in 1988 it is that very same year that a little known figure from Kansas City named Rush Limbaugh hit the American airwaves like a ton of bricks. And because of him and some other people like him, all of a sudden, local stations realized that they could drop their news and information programming, stop hiring so many people, and because Mr. Limbaugh was as popular as he was, they could basically run a lot of satellite based programming, have somebody sort of halfway monitor the board and hire somebody else to program computer systems that would put automated commercial breaks on and things like this, and they wouldn't really have to produce local content. We also saw the elimination of the equal time standard and the Fairness Doctrine, which required local stations to put on a variety of viewpoints and air programming every week that was in the public interest, that didn't necessarily have commercial value. And so the things I wanted to do became a lot harder to do, because by the time I was ready to get hired to do them, not a lot of radio stations were hiring people to do it, even in the even in the television world, and so strategically, I was buying into a sinking market, and That wasn't a great place to be at that time. And so with some reluctance, after a lot of fruitless job searching, I chose another path, not necessarily knowing where that path would lead. And so the last time I ever got paid to run a shift for a radio station was in late June of 1993 I've been a guest on a couple of different shows and some podcasts like this one. I greatly enjoy it. I've even thought about doing some internet broadcasting. I don't have the time, really to do that now, but, but, and I miss it, but I have found out there are ways of diverting the skill sets I have to another path.   Michael Hingson ** 28:25 And what path did you choose?   Kane Brolin ** 28:28 Initially, the path I chose was graduate school. I was fortunate enough to have gotten good enough grades that I was able to get approved by a number of different business schools. You know, the first path I really wanted to do is be a Foreign Service Officer for the diplomatic corps. I applied for the US Department of State. And I had some hopes in doing that, because around 1990 a gentleman named Rami Rabbi. You may know him, I do did became the first blind person ever to be a Foreign Service Officer. Now, he had advantages. He had traveled the world. I had traveled to Mexico and Costa Rica, and I spoke Spanish, and I was pretty fluent, but he was a little bit more qualified in different ways that they were looking for. So I wanted some international experience. I applied for the Peace Corps, and I had no real shot at that. What they were looking for was something very different from what I was then. But I did apply to the Foreign Service, and I made it almost all the way down the hiring process. I made the final 3% cut among the class they were looking at in 1990 and 91 I went to Virginia to, I think Alexandria and I sat for the last round of interviews and simulations that they did. Unfortunately, I was in the top 3% and they wanted the top 1% so I had a really fun few days out there at the government's expense. But I also found that I was not going to be hired to be the second blind. Foreign Service officer. I later found out that Mr. Robbie had to actually file a lawsuit and win that lawsuit to get his opportunity. So I know that the system were not exactly bought in to blame people doing this on a regular basis. I know there's others that have gotten there since that, and I've met one of them, but but that that wasn't for me, but they also said what I really needed was more management experience. I'd never done anything in management, so I decided to go to management school or business school as graduate school. I got accepted by a few different places. I chose Northwestern University in Chicago. My sister had gone through that program. I guess that's maybe one of the reasons I selected that one. I could have gone to a couple of others that also had accepted me, and sometimes I wonder what would have happened had I done that. But I did spend two years in Chicago land met some of the most impressive people that I've ever met in my life. Figured out train systems and pace bus systems, and went all over the place and had friends in the city, not just in the school. I made the most of that time, and that's what I did from 1993 to 1995 unfortunately, I found out you can get a an MBA or a master of management, but they still, still weren't hiring a lot of blind people out there. And so while my associates were getting jobs at McKinsey and Company, and Booz Allen Hamilton, as it was known at that time, and they were working for Bank of America, doing all kinds of interesting things and and also brand management companies like disco and Kellogg and all that. I got all of one job offer coming out of one of the top 5b schools in the country, and I took that job offer, which led me to Midland, Michigan, where I knew nobody at that time, but I spent about three and a half years doing various types of business research for the Dow Chemical Company, and that did not last as a career, but I got a chance to make the first real money I had ever earned. At that time through another connection that wasn't related to Dow, I happened to meet the woman that I eventually married and am with now, and have had four kids with, and so that was a whole different kettle of fish. But at the end of 98 I was downsized, along with several others in my department, and we decided at that time that entrepreneurship was probably not a bad way to go, or, you know, something that wasn't just strictly speaking corporate. In 2000 I landed in the South Bend, Indiana area, which is where she is from. I had never lived here before. This is where I am now. And while struggling to find a place here, I realized that I could get hired on as what is called a financial advisor. I had no idea what that was. Well, you know, with a business degree, I could probably be a credible hire as a financial advisor. Little did I know that that involved tele sales. In the very beginning, never thought I was a salesperson either. Since then, I have found out that I have more selling ability than I had ever thought that I might and that that is an honorable profession if you're convincing people to do what is right for themselves. And so I've found that over the years, being what I am enables me to, well, in a way, keep my own hours. We've chosen the small business, sort of independent contracting route, rather than the employee channel, working for a bank or for somebody else's brokerage. I get to be a researcher, I get to be a public speaker now and then, and I get to help people problem solve, which is something I would not have had a chance to do on the radio. And when someone comes up to you, as a few people have and have, said, you know, thank you for making it possible for me to retire and to do what I want to do, and to spend time with grandkids and to live where I want to live. You know, that's a that's definitely a hit. That's a great feeling to have someone say, Thank you for helping me to do and to be what I didn't know I could do or be. So   Michael Hingson ** 34:38 investing isn't what you had originally planned to do with your life. So I can't say that it was necessarily a lifelong goal from the beginning, but you evolved into it, and it seems to be going pretty well for you.   Kane Brolin ** 34:51 Well, yeah, I think it has. It's investing means different things to different. People, to some clients, the goal is, I just don't want to lose money. Please put me in something that earns a little bit, but I don't want the chance for anything I'm in to go down for others. What investing means is, I want to be more aggressive. I want to build what I have. What do you think about this or that opportunity? What stock should I be in? Because I really want to grab onto an opportunity and seize the day and have as much as I can have at the end of the day. And you know, For still others, it means, it means giving. It means building something up so I can pass it along, either to a charity, to the kids, to the grandkids, to to my religious institution of choice, whatever that is. So I find that investing is not just investing, the the at the root, at the heart of investing, the heartbeat of it, is really the people that I serve. And you know, I was told early on, hey, you don't have a practice. All you're doing is practicing, unless you have people to be in front of. And so in my mind, you know, and I'm not that much of a quantitative guy. I'm I'm not the person out there working as an actuary for Symmetra Life Insurance Company figuring out how much money has to go in and how much it must earn to be able to give 50,000 people the payouts they want from an annuity till the end of their projected lifespans. That's that's not where I am. I'm not designing a mutual fund that's more like what a certified financial analyst would be. I am a Certified Financial Planner practitioner, and what a CFP does is takes numbers that you see and translates those into action steps that I can explain in plain English terms to a client I'm in front of that can give that individual person, family or small business the kinds of outcomes that they want. So I'm on the retail end of the food chain, and my job is to try to take the numbers that others are generating and boil that down into something that is digestible to the common man and woman, that allows them to, we hope, live the way they want. So   Michael Hingson ** 37:29 I gather from listening to you though, that you enjoy what you do.   Kane Brolin ** 37:36 I do particularly when it works.   Michael Hingson ** 37:39 Well, there's times.   Kane Brolin ** 37:40 There are times it gets a little tricky. 2001 2002 I know that you had a very personal experience that vaulted you, Michael, into this, into the realm of the famous, or the Almost Famous, on 911 I remember what 911 was like as a very small time retail investment person working out of a field office. I was somebody's employee at that point. I was working for American Express financial advisors, and I remember my life was never in danger in 911 but there were a lot of clients that thought their money and their data were in danger, and then the country that the country itself, might even be in danger. And so I morphed during that week from being a telemarketing person trying to set appointments with people I'd never met to being a person who was trying to dole out comfort and a feeling of security and solace to people I had met who the few that I was managing their accounts at that time, calling them and saying, You know what, your money and your data are safe. I'm here. The company that you have your stuff invested with is based in Minneapolis. It's not based in the Twin Towers, the markets are shut down. There will be volatility, but you're not crashing today, just so   Michael Hingson ** 39:08 the other the other side of it, the other side of that, was that during that week after September 11, there were a lot of people who were working and moving, literally Heaven and Earth, if you will, to bring Wall Street back. And I know I'm working with some of those companies and providing them with the backup equipment, or not so much at the time, backup equipment, but the equipment that would be able to read existing tape backups and put that back on computers. And I know, I think it was Morgan Stanley had found an office space sometime during the week after September 11. Then, as they describe it, it was the building with a floor the size of a foot. Football field, and they scrounged and scavenged and got their providers of equipment, like IBM to provide them with computers, even taking them from IBM employees desks to provide enough equipment to be able to set up what was the equivalent to the trading floor that had been in the world trade center that was destroyed on September 11, and literally from Friday afternoon that would have been the 14th to the 16th in 36 hours. They not only reconstructed physically what the trading floor was but because of what we provided them with, they were able to completely reconstruct what everything looked like on their computers. So when Wall Street reopened on the 17th, everything was like it was when everything shut down on the 11th now, I think there's some blessings to the fact that the towers were struck before Wall Street opened. I don't know how much easier that made it maybe some, but the reality is that data is backed up regularly, so they would have been able to to survive, but the fact that the markets hadn't opened in the US certainly had to help. But by Monday, the 17th, they brought Wall Street back, just as if nothing had happened. It was a monumental feat to be able to do that. That is a story   Kane Brolin ** 41:37 that I would love to read, because I've never heard that story before, and that makes me feel very unintelligent. Michael, you know, I can't even imagine the logistics and the people and just even the imagination that it would take to reconstruct that. I'm sure it was 1000s. I'm sure it was 1000s of people. And I'm sure that probably that's something that somebody had thought about even before the 911 incident happened. I don't think that was invented out of whole cloth on Friday the 14th, but that's a story that would be a very captivating book, and if no one's written it, then, gosh, would that be a fun thing to research and write.   Michael Hingson ** 42:21 Well, you know, the reality is, the SEC required that all data from financial institutions had to be backed up and kept available off site for seven years. So first of all, the data was all around and that's why I think it was an especially great blessing that the markets hadn't opened, because all the backups from the previous night, and probably from all the not only the futures, but the sales from foreign markets, were pretty much all backed up as well. So everything was backed up. That, of course, was the real key, because getting the hardware, yes, that was a logistical nightmare that they were able to address, getting the computers, getting everything where they needed it. Then companies like ours providing them with the wherewithal to be able to pull the data from the tapes and put it back onto the computers. It had to be quite a feat, but it all worked. And when Wall Street opened, it opened as if nothing had happened, even though some of the the offices were now in completely different places across the river. But it all worked, incredible. Yeah, I was, it was, it was pretty amazing. I knew people from the firms. And of course, we helped them by providing them with equipment. But at the same time, hearing about the story later was was really quite amazing, and and they did a wonderful job to bring all that back. So it was pretty, pretty amazing that that all that occurred. So that was pretty cool all the way. And   Kane Brolin ** 44:00 of course, the other struggle was in 2007 2008 I remember when I would be sitting at my desk and I'm not a day trader, I'm, I'm, I'm a long term investor. That's what most of my clients want. I'm not in there, you know, trading, trading daily options. I'm not doing inverse leveraged products that have to be bought in the morning and then sold in the afternoon under most cases. But I remember sitting at my desk in 2008 when the great recession was going on with the financial crisis happened and and when banks and huge investment banks, brokerage institutions were, in some cases, completely failing, that's a whole other story that was chronicled in books like The Big Short as an example, but I remember sitting at my desk and timing it and watching in a five minute period of time. As the Dow Jones Industrial Average, which was back in in those days, was, was what maybe 6000 or so as a benchmark. It was going up and down by a margin of error of 800 points in five minutes, it would be 400 up one minute, and then 400 down from that level. In other words, an 800 point swing within a five minute period of time. There was one day I went to take a test, because I have continuing education on a pretty regular basis, had to go to a testing center and take a test that lasted maybe three hours. I got back, and I think the market for at least the Dow Jones had dropped by 800 points during the time that I was in the testing center. And that gives you some stomach acid when that sort of thing happens, because even though it it's, you know, things always bounce back, and they always bounce up and down. Clients call and they say, oh my gosh, what happens if I lose it all? Because people really think that they could lose it all. Now, if you're in a mutual fund with 100 different positions, it's very unlikely, right? All of those positions go to zero. What I found out is that when people's money is concerned, it's emotional. Yeah, it's all rational. They're not looking at the empirical data. They're thinking fight or flight, and they really are concerned with what in the world am I going to do if I go to zero? And   Michael Hingson ** 46:38 it's so hard to get people to understand, if you're going to invest in the market, it has to be a long term approach, because if you don't do that, you can, you can disappoint yourself, but the reality is, over the long term, you're going to be okay. And you know now, today, once again, we're seeing the evidence of that with what the Fed did yesterday, lowering by a half a point, and how that's going to affect everything. But even over the last five or six years, so many people have been worried about inflation and worried about so many things, because some of our politicians have just tried to scare us rather than dealing with reality. But the fact of the matter is that it all will work out if we're patient and and allow things to to work. And what we need to do is to try to make wise decisions to minimize, perhaps our risk. But still, things will work out.   Kane Brolin ** 47:43 Yeah, I remember, I think, the Dow Jones Industrial Average, which is what always used to get quoted, at least on the radio and the television. It was somewhere in the somewhere in the 11,000 range, before the 2008 debacle. And it fell to, I think, 6400 right was the low that it reached. Now it's over 41,000   Michael Hingson ** 48:11 closed up above 42 yesterday. I'm not   Kane Brolin ** 48:13 sure it very well may have so you know when you when you really think about it, if you just stayed in and it's more complicated than that. One of course people have with the market is that when the market crashes, they also may need to get their money out for different, unrelated reasons. What if I lost my job as a result of the market crashing? Right? What if? What if there is a need that I have to fulfill and that money has to come out for me to make a house payment. You don't know that. And so that's the unfortunate part, is that a lot of the academic missions don't take into account the real human factor of real people that need to use their money. But if you could stand to hang on and leave it in, it would be worth you know, what would that be like six or seven times more than it was in 2008 but that's not what what clients often do. They they often want to sell out of fear when things are down, and then wait too long to buy back in when the elevator has already made its way quite a ways up, right?   Michael Hingson ** 49:25 I remember once, and I don't remember what the cause was, but Rolls Royce dropped to $3 a share. And there were some people saying, this is the time to buy. It is it's not going to go away. And those who did have done pretty well. Bank   Kane Brolin ** 49:44 of America was $3 a share for quite some time. It was, it was technically a penny stock. This is Bank of America, you know, one of the leading financial institutions in the in the country, which, incidentally, has a very interesting. History. It wasn't born in New York, it was born in the south, right? But, yeah, if you only knew what those trough opportunities were and knew exactly when to buy in and and I'm constantly telling people, look my my goal is, is not so much to figure out what to buy but when to buy in. We're trying to buy low and sell high, and just because something did well last year doesn't mean you have to hang on to it. It might mean we want to trim that position a little bit, take some profit and and pick something that doesn't look as attractive or sexy because of last year's lackluster returns, but maybe this year. It will just due to changing conditions. Financial markets run in cycles. And it's not that some things are inherently good or bad. Some things are in favor now. They were not in favor last year, and they might not be in favor, you know, two years from now, but they are now. So that's the hard part. You're not supposed to really time the market. We can't predict all these things, but that's why you encourage people to diversify and to have some things that are not correlated with each other in terms of doing well or badly at the same time. So you can always sometimes be gaining with in with your left hand, while your right hand is is struggling a bit. Hence,   Michael Hingson ** 51:25 the need for people who are certified financial planners, right? So there you go. So you, you got married, what, 27 years ago, and you married someone who was fully sighted, who probably didn't have a whole lot of exposure to blindness and blind people before. How did all that work out? Obviously, it's worked out because you're still married. But what was it like, and was it ever kind of an uncomfortable situation for you guys?   Kane Brolin ** 51:58 I don't think blindness. Surprisingly enough, I don't think it was super uncomfortable for her. Now, she had not encountered lots of blind people before, maybe not even any before. She met me, but I met her, and this is where I had it easy. She didn't have it easy, but I met her through her family. I knew my wife's name is Danica. I knew her brother before I knew her, because he and I had been buddies. We for a little while. We ended up living in the same town up in Michigan, and it was not here in the South Bend area where she is, but I went home and had a chance to be to tag along as he was doing some some family things and some things with his friends so but, but my wife is a very interesting father. She has a very interesting dad who is no longer with us. May he rest in peace? No, no. Hello. Sorry. My nine year old just made a brief appearance, and she's incorrigible.   Michael Hingson ** 53:00 You wouldn't have it any other way. No, there   Kane Brolin ** 53:03 are days when I would, but I don't. So anyway, the I found out some interesting things raising kids as a blind parent too, but you know, her dad did not see really any kind of limitations when the world around him was racist he really wasn't. When the world around him was ableist. He really didn't. And one of the things he encouraged me to do, they had a little acreage Danika parents did. And he actually asked me one time when it was a leaf blowing or leaf storing season, it was in the fall, lots of oak trees, different things there to drive the garden tractor, as there was a Baleful leaves behind that he was taken to an area where they would eventually be burned up or composted or something. And I did that. He had an old garden tractor with a, you know, his gas powered, and it had pedals and steering wheel, and he would literally run around alongside it, didn't go very fast, and tell me kind of when and where to turn. I'm told that I almost crashed into the pit where the basement of the home was one time, but I didn't. So he was one of these people that like saw virtually no limitations. Encouraged his kids and others to do great things. He didn't have a great feel for people. He would have been an anti politician. He had trouble remembering your name, but if you were a decent person and treated him right, it didn't matter if you were black, purple, green, blind, deaf, whatever. He saw it as an interesting challenge to teach me how to do things. He taught me how to kayak. He taught me how to cross country ski. Back in those days before climate change, we actually got quite a bit of snow in the area where I live, even as early as Thanksgiving to. I'm in November. And so the first couple of winters that we lived here, and we would go to a local park, or, you know, even just out in the in the backyard of where his property was, and, and, and ski, Nordic ski, not downhill ski, really, but it was, it was an amazing exercise. It's an amazing feel to be able to do that, and I have no memory, and I had no relatives that that were in touch with the true Scandinavian heritage, that ancestry.com says that I have, but the act of doing a little bit of Nordic skiing with him gave me a real feel for what some people go through. Because traditionally, skiing was a form of transportation in those countries. In the Larry P you skied to work, you skied to somebody else's house. So, you know, I thought that that was fun and interesting. Now, the last few winters, we haven't gotten enough snow to amount to anything like that, but I do have, I still have a pair of skis. So no, that may be something that we do at some point when given the opportunity, or some other place where we have a bit more of a snow base.   Michael Hingson ** 56:10 Well, I'm sure that some people would be curious to to know this being blind and doing the work that you do, you probably do. Well, you do the same things, but you probably do them in different ways, or have different technologies that you use. What's some of the equipment and kind of technologies that you use to perform your job?   Kane Brolin ** 56:32 Well, you know, I wouldn't say that. I'm cutting edge. I'm sure there are people who do differently and better than I do, but I do most of my work in a PC based environment. It's a Windows based environment at the present time, because the broker dealers and the other firms that I work through, you know, I'm independent, in a way, meaning I pay my own bills and operate out of my own space and have my name of Berlin wealth management as a shingle on my door, so to speak. But you never walk alone in this business. And so I chose, ultimately, a company called the Commonwealth financial network to serve as my investment platform and my source of technology, and my source of what is called compliance, which means, you know, they are the police walking alongside what I do to make sure that I've documented the advice I've given to people, to make sure that that advice is suitable and that I'm operating according to the law and in the best interest of my clients, and not Not taking money from them, or, you know, doing phony baloney things to trade into a stock before I recommend that to somebody else. You know, there's a lot of malfeasance that can happen in this type of industry, but all these securities that I sell and all the advice that I given are done so with the blessing of the Commonwealth Financial Network, which is a member of FINRA and SIPC, I just need to point that out here. But they also provide technology, and most of their technology is designed to work in a Windows environment, and so that's typically what I have used. So I use JAWS.   Michael Hingson ** 58:23 And JAWS is a screen reader that verbalizes what comes across the screen for people who don't know it right, or puts   Kane Brolin ** 58:28 it into Braille, or puts it into Braille in the in the in the early days of my doing the business, many of the programs that we had to use to design an insurance policy or to pick investments, or to even monitor investments were standalone programs that were not based on a web architecture that would be recognizable. And so I was very fortunate that there was money available from the vocational rehab system to bring somebody in from Easter Seals Crossroads here in Indiana, to actually write Jaws script workarounds, that is, that could help jaws to know what to pull from the graphics card on the screen or in the system, to be able to help me interact. Because otherwise, I would have opened up a program and to me, it would have just been like a blank screen. I wouldn't be able to see or interact with data on the screen. Now, with more things being web based, it's a little easier to do those things. Not always. There are still some programs that are inaccessible, but most of what I do is through the use of Windows 10 or 11, and and with the use of Jaws, I do have, I devices. I like Apple devices, the smaller ones. I'm actually speaking to you using an iPad right now, a sixth generation iPad I've had for a while. I have an iPhone so I can still, you know, look up stock tickers. I can send 10. Text messages or emails, if I have to using that. But in general, I find that for efficiency sake, that a computer, a full on computer, tends to work best and and then I use that more rapidly and with more facility than anything else, right? I use the Kurzweil 1000 system to scan PDFs, or sometimes printed documents or books, things like that, into a readable form where I'm trying to, trying to just kind of anticipate what other things you may ask about. But you know, I use office 365, just like anybody else might. You know, I I have to use a lot of commonly available programs, because the people monitoring my work, and even the clients that I interact with still need to, even if they have sight, they need to read an email right after I send it. You know, they've my assistant has to be able to proof and manipulate a document in a form that she can read, as well as one that I can listen to or use Braille with. I'm a fluent Braille reader and writer. So there are some gizmos that I use, some braille displays and Braille keyboards and things of that nature. But, you know, most people seem to be under the misconception that a blind guy has to use a special blind computer, which must cost a king's ransom, not true, if anybody's listening to the program that isn't familiar with 2024 era blindness technology, it's mostly the same as anybody else's except with the modifications that are needed to make stuff accessible in a non visual format, and   Michael Hingson ** 1:01:45 the reality is, that's what it's all about. It's not like it's magically expensive. There are some things that are more expensive that do help. But the reality is that we use the same stuff everyone else uses. Just have some things that are a little bit different so that we are able to have the same access that other people do, but at the same time, that's no different than anyone else. Like I point out to people all the time, the electric light bulb is just a reasonable accommodation for light dependent people. Anyway, it's just that there are a whole lot more people who use it, and so we spend a whole lot more time and money making it available that is light on demand to people. But it doesn't change the fact that the issue is still there, that you need that accommodation in order to function. And you know that that, of course, leads to and, well, we won't spend a lot of time on it, but you are are very involved in the National Federation of the Blind, especially the NFB of Indiana, and you continue to pay it forward. And the NFB has been all about helping people to understand that we're not defined by blindness. We're defined by what we are and who we are, and blindness is happens to be a particular characteristic that we share   Kane Brolin ** 1:03:09 well, and there's a lot of other characteristics that we might not share. As an example, somebody, I don't know that he is involved in the NFB as such, but you know blind, if you're involved in American Blind culture and and that you've probably heard of a man named George Wurtzel. He is the brother of the guy that used to be president of the NFB of Michigan affiliate. But I understand that George is very good at things that I am not at all good at. He, you know? He understand that he almost built his own house from the ground up. His skill is not with computers and email and all this electronic communication that they do today, but he's a master woodworker. He's an artisan. You know, I I'm also involved, and I'd be remiss if I didn't mention it, I'm also involved with an organization called Penny forward, which is, you know, it could be the direction that I ultimately head in even more because it dovetails with my career. It's financial, education and fitness by the blind, for the blind, and it was started by a young man named Chris Peterson, who's based in the Twin Cities, who is not an NFB guy. He's actually an ACB guy, but his values are not that much different, and he's been a computer programmer. He's worked for big organizations, and now he started his own and has made a full time business out of financial fitness, educational curricula, podcasting, other things that you can subscribe to and buy into. And he's trying to build a community of the varied blind people that do all kinds of things and come from all sorts of backgrounds. And in one of the later editions of his podcast, he interviewed a man who's originally from Florida, who. Founded a company called Cerro tech that some might be familiar with, Mike Calvo, and Mike came to some of the same conclusions about blindness that you and I have, except that he's much younger. He's from Florida, and he's a Cuban American. He's a Latino whose first language growing up probably was Spanish, and who actually came out of, out of the streets. I mean, he was, he was in gangs, and did all kinds of things that were very different from anything I was ever exposed to as a young person. So I think in a lot of ways, we as blind people face the same types of issues, but we don't. None of us comes at it from the same vantage point. And, you know, we're, we're all dealing with maybe some of the same circumstances, but many, many, we've gotten there in very many different ways. And so I try to also impose on people. We are all different. We're a cross section. We don't all tie our shoes or cook our meals the same way. We don't want to live in the same environment. We don't want to do the same hobbies. And we don't all have better other senses than sighted people do. I don't know how many times you've heard it. I'd be a very rich man if I had $1 for every time someone said, Well, yeah, but you know, being blind, your hearing must be so much better, your sense of smell must be so much more acute. Well, no, the the divine forces in the universe have not just compensated me by making everything else better. What do you do with someone like Helen Keller, who was blind and deaf. There are people with plenty of people with blindness, and also other morbidities or disabilities, or I don't even like disabilities, different different abilities, different strengths and weaknesses. Along with blindness, there are blind people who also happen to be autistic, which could be an advantage to them, in some ways a disadvantage to others. I would like to go beyond the discussion of disability and think of these things, and think of me and others as just simply being differently able, because, you know, what kinds of jobs and roles in life with people that have the characteristic of autism, maybe they are actually better at certain things than a non autistic person would be. Maybe overall, people who live with the characteristic of bl

You studied for months to take the Series 7.You anxiously sat through the multi-hour test. Perhaps with your livelihood on the line.You finished the test and nervously awaited the result.You passed!Years, if not decades have now since past.You're considering transitioning your practice to the RIA model, but don't want to “lose” the 7 you worked so hard for all those years ago.But do you have to?In this episode of the Transition To RIA question & answer series I explain if you must drop your 7 to go RIA.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/do-i-have-to-drop-my-series-7-if-i-go-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-tax-free-retirement-solutions

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-tax-free-retirement-solutions

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-portfolio-asset-allocation

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-portfolio-asset-allocation

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-social-security-strategies

Dan Hill CFP®, AIF®, is a recognized Financial Educator, Best-Selling Author, Speaker, and Retirement Specialist who appears as a financial expert on CBS-Richmond's Virginia This Morning and has contributed to USA Today, Wall Street Journal, Forbes, and others.Dan is a Co-Author of the Amazon # 1 bestseller Retire Like a Shark, with Kevin Harrington, the original ‘Shark' from hit TV show Shark Tank.In his recent book release, Retire Abundantly, Dan explains how to separate facts from fiction in our dramatically changing retirement landscape. He'll provide answers to some of your biggest questions, and answers to questions most of us do not even know to ask.As President of Hill Wealth Strategies, Dan and his team, using the Predictable Personal Pension Process, have been providing families and businesses with innovative financial strategies, solutions and planning leading to financial clarity and security since 1998.Dan, and his wife, Susan, reside in Williamsburg, VA. Their oldest son, Derek, and younger son, Brett, and his wife, Sarah live in Richmond, VA with their two-year-old daughter, Landon. Dan has been an active member of the community with his involvement in Youth League and American Legion Post 39 baseball as a coach for twenty-seven years.Dan can be reached at (833) DAN HILLLearn more: https://hillwealthstrategies.com/This content is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness. Nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Hill Wealth Strategies. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Hill Wealth Strategies and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Fee-based financial planning and investment advisory services are offered by Hill Wealth Strategies a Registered Investment Advisor in the State of Virginia. Insurance products and services are offered through D. R. Hill & Associates, Inc. Hill Wealth Strategies and D. R. Hill & Associates, Inc. are affiliated companies. The presence of this web site shall in no way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any State other than the State of Virginia or where otherwise legally permitted. Hill Wealth Strategies/D. R. Hill & Associates, Inc. and Daniel Hill are not affiliated with or endorsed by the Social Security Administration or any other government agency. This content is for informational purposes only and should not be used to make any financial decisions. Unauthorized use of the material is prohibited.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-dan-hill-cfp-aif-ceo-founder-hill-wealth-strategies-discussing-social-security-strategies

Joseph F. Bert, CFP®, AIF®, the Founder of Certified Financial Group, Inc., has been in the financial planning profession since 1976. He is also CEO of Certified Advisory Corp, a Registered Investment Advisor. Joe is a Certified Financial Planner® professional and a member of the Financial Planning Association where he served as the Orlando Chapter's President and Chairman. As a graduate of the Accredited Investment Fiduciary® (AIF®) program, Joe is specially trained in investment fiduciary responsibility and portfolio management. He is an Investment Advisory Representative of Certified Advisory Corp and has served as an adjunct faculty member for the College for Financial Planning headquartered in Denver, Colorado. In addition, Joe can be heard every Saturday on 107.3FM & 580AM WDBO radio at 9:00 a.m. hosting On the Money. As an experienced and knowledgeable financial planning professional, he has affectionately been referred to as the Oracle of Orlando® by his weekly listeners and currently appears regularly on the FOX affiliate in Orlando, Fox 35 WOFL. In addition to hosting the nationally syndicated TV program, The American Investor, he has appeared on Hour Magazine with Gary Collins as well as regular appearances on the CBS affiliate in Tampa, Channel 13, and the ABC and NBC affiliates in Orlando, Channels 9 and 2. Joe's bi-weekly column has appeared in the Orlando Business Journal. He has been quoted in Orlando Magazine, the Orlando Business Journal, and The Wall Street Journal.   Listen to this insightful RIA episode with Joe Bert about creating a multi-billion dollar RIA. Here is what to expect on this week's show: - How leveraging radio, TV, social media, and print are great ways to attract new clients. - Why clients must be educated on risk management and sustainable income strategies. - How it's critical to avoid being too aggressive or too conservative with your portfolio. - Why people should avoid making emotional decisions about their money. - How preparing clients for inevitable downturns gives them long-term perspective.   Connect with Joe: Links Mentioned: Certified Financial Group, Inc Instagram Facebook LinkedIn   Learn more about your ad choices. Visit megaphone.fm/adchoices

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

“Platform fees” in our industry are the “resort fees” of the hotel industry.Just as a hotel room rate can be distorted by the addition of mandatory resort fees……payouts (particularly at independent broker/dealer models) are frequently distorted by additional platforms fees.The existence of a fee by itself is not necessarily a bad thing, provided the value and services received in return are commensurate.The first step in determining that is identifying when platform fees are present.While such fees are most often associated with independent broker/dealer models, there are scenarios where they could be applicable in the RIA model as well.In this episode (#120) of the Transition To RIA question & answer series, I explain when platform fees exist in the RIA space.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/are-there-platform-fees-in-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Our guest on the podcast today is Dr. Preston Cherry. Dr. Cherry is the author of a new book called Wealth in the Key of Life: Finding Your Financial Harmony. He's also founder and president of Concurrent Wealth Management. In addition, he serves as Assistant Professor of Finance and Head of the Personal Financial Planning Program at the University of Wisconsin-Green Bay, where he also serves as the Director of the Charles Schwab Foundation Center for Financial Wellness. Prior to assuming his current roles, he served in lead and internal financial planning roles in institutional retirement sales. He has also served as co-investment manager at a Registered Investment Advisor and as a mutual fund wholesaler.BackgroundBioLife Money Balance podcastWealth in the Key of Life: Finding Your Financial HarmonySchwab Center for Financial WellnessThemes in Book“What Is Financial Freedom?” by Preston Cherry, concurrentfp.com, July 9, 2024.“Building Wealth With Gratitude: Essential Tips for Gen X,” Life Money Balance podcast, youtube.com, Nov. 26, 2024.“How to Retire Comfortably: Essential Financial and Emotional Tips for a Joyful Retirement,” by Preston Cherry, concurrentfp.com, Nov. 13, 2024.Other“Dr. Preston Cherry: ‘Money and Life Intertwined,'” The Long View podcast, Morningstar.com, Nov. 22, 2024.Songs in the Key of Life, Stevie Wonder album“Does Money Buy Happiness? Here's What the Research Says,” by Michele Berger, knowledge.wharton.upenn.edu, March 28, 2023.The Millionaire Next Door, by Thomas Stanley and William Danko

What small things can you do to enrich the lives of those around you?  In this episode, Jeff, Jeff, and Thomas discuss: Learning to save and give generously from a young age. Encouraging generosity in our children. Giving back to our abundant God. Understanding different giving models.   Key Takeaways: Involve your kids in your giving, from small gifts to neighbors during the holidays to mission trips. They will learn through your example and experience. Be a good steward of giving - ensure the funds are going to worthwhile organizations and causes.Cash is the most expensive way to give. A very small portion of most people's balance sheet is cash - look deeper for better giving. There are more ways to give than just cash. You can give in small ways that will make a big impact on people's lives.   "If we've been given the most, we need to be the most generous people of all." —  Thomas Talbott Episode References: Sticky Faith: Everyday Ideas to Build Lasting Faith in Your Kids by Kara E Powell - https://www.amazon.com/Sticky-Faith-Everyday-Ideas-Lasting/dp/0310329329 About Thomas Talbott: Thomas Talbott, a CFP®, CKA®, and CAP® Professional, joined Stewardship Advisors, LLC, a fee-only independent Registered Investment Advisor in Mount Joy, Pennsylvania, as a Financial Advisor in 2014 and became a partner of the firm in January of 2017.  As a Financial Advisor, Thomas thoroughly enjoys helping people plan, manage, and distribute their assets. He has been in the financial services industry for over 30 years and seeks to serve others by integrating his faith and experience. He incorporates his five core values of integrity, others-oriented, service, godliness, and quality delivery into his advice and encourages others to be good stewards of their resources. He enjoys the relationships he has built with his clients and desires to help them have clarity, security, and confidence in their financial futures. Thomas earned his BA from Messiah University (Grantham, PA) and his MA from Columbia International University (Columbia, SC). Thomas was awarded his CERTIFIED FINANCIAL PLANNER™ designation in 2012 and his Chartered Advisor in Philanthropy® in 2020. He is a member of Kingdom Advisors and earned his Certified Kingdom Advisor® designation in 2016. What's important to Thomas is his faith and family. As a devoted follower of Jesus Christ, he has been active with his church, various ministries, and in his community for years. Thomas has raised funds, served on non-profit leadership teams, promoted local candidates, mentored students and engaged couples, and led Sunday School classes, mission trips, and small groups. He loves to serve and influence others.Having lived in Lancaster County, Pennsylvania since the mid-1980s, Thomas and his wife of four decades, Cindy, have five daughters, four sons-in-law, and twelve grandchildren. He relishes the time he spends with his family and enjoys it when they join him in his outdoor interests, among which are wilderness adventures, fly fishing, bicycling, and skiing. He has run several marathons and bicycled across the United States in 2007 with just his daughters.  Connect with Thomas Talbott:Website: https://www.mystewardshipadvisor.com/LinkedIn: https://www.linkedin.com/in/thomas-talbott-9a6036a3   Connect with Jeff Thomas: Website: https://www.arkosglobal.com/Podcast: https://www.generousbusinessowner.com/Book: https://www.arkosglobal.com/trading-upEmail: jeff.thomas@arkosglobal.comTwitter: https://twitter.com/ArkosGlobalAdv Facebook: https://www.facebook.com/arkosglobal/LinkedIn: https://www.linkedin.com/company/arkosglobaladvisorsInstagram: https://www.instagram.com/arkosglobaladvisors/YouTube: https://www.youtube.com/channel/UCLUYpPwkHH7JrP6PrbHeBxw

If you are an advisor at a firm that utilizes deferred compensation as part of the comp plan, ask yourself why your firm is doing that.If the value and resources they provide you are as superior as they claim to be, why would they need arbitrary barriers to keep you from leaving?Wouldn't you simply want to stay?Regardless of the spin, deferred compensation is a retention tool to benefit the firm, not to benefit their advisors.So how best can you manage this reality if you are considering transitioning to the RIA model?In this episode (#119) of the Transition To RIA question and answer series I explain how to navigate the potential loss of deferred compensation.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/how-to-make-up-for-lost-deferred-comp-when-transitioning-to-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Most COI referral strategies are outdated. In this episode, performance coach Bev Flaxington joins me to break down a more modern approach to COI (Center of Influence) referrals to drive organic growth in your firm. Today's approach is less about asking for a referral and instead creating an environment where they are a natural outcome. Tune in now to find out more. Connect with us: Beverly Flaxington on LinkedInThe CollaborativeBeverly's Bestselling BooksCandice Carlton on LinkedInWant to learn more…Visit ficommpartners.com

Send us a textIn this episode of Badass Women in Business, Denise Sarkor, Liberian-American financial advisor and principal of Sarkor Financial Advisors, shares her inspiring journey from being a refugee to becoming a trailblazer in wealth management. Denise talks about the importance of holistic financial planning, overcoming limiting beliefs, and the power of community in achieving financial success. With her unique perspective, she empowers women entrepreneurs, career professionals, and community leaders to align their financial decisions with their life goals.Denise's approach goes beyond the numbers—she's a “doctor for people's finances,” treating the root causes of financial challenges, not just the symptoms. Tune in for actionable insights, inspiring stories, and a fresh perspective on building wealth with purpose.Disclaimer: No direct financial advice is provided in this episode. Sarkor Financial Advisors LLC (“Sarkor Financial”) is a registered investment advisor offering advisory services in the State of Georgia, the State of New Jersey, and other jurisdictions where exempt nationwide. Registration does not imply a certain level of skill or training.Show Notes:What You'll Learn in This Episode:The Power of Holistic Financial Planning: Why addressing beliefs about money and creating systems is essential for financial success.Denise's Journey: From surviving a civil war to helping others thrive through financial planning and wealth management.The Importance of Community: How building a personal advisory board can enhance decision-making and overall financial health.Navigating Financial Literacy: Practical advice for overcoming gaps in knowledge and making informed financial decisions.Understanding RIAs: The benefits of working with a Registered Investment Advisor and how fiduciary standards protect clients.Who Denise Serves: Entrepreneurs, career professionals, and community leaders seeking holistic financial guidance.Mic Drop Moment:“Money is simply a tool to achieve the life you want and the impact you want to leave on society. When we lose sight of that, we lose sight of what wealth truly means.”One Key Takeaway:Take time daily to be still and connect with yourself. In a noisy, fast-paced world, this practice ensures alignment with your life's purpose and helps you stay on track with your goals.Connect with Denise Sarkor:Website: Sarkor Financial AdvisorsFacebook: @denisesarkorInstagram: @denisesarkorLinkedIn: Denise SarkorYouTube: Denise SarkorIf you're ready to rethink your relationship with money and build wealth with purpose, connect with Denise Sarkor today for a holistic approaKeep up with more content from Aggie and Cristy here: Facebook: Empowered Women Leaders Instagram: @badass_women_in_business LinkedIn: ProveHer - Badass Women in Business Website: Badasswomeninbusinesspodcast.com

In this episode, Tom Bodrovics welcomes back Bob Coleman during Trump's second term inauguration when markets are closed. Bob discusses significant developments concerning Exchange for Physical Premiums (EFPs) in precious metals markets. The increasing EFP premiums stem from tariff concerns since Trump's campaign days, causing New York futures selling and London physical buying, creating a spread between the spot price and futures price. Trump's rhetoric on fair trade and potential tariffs could impact the 'product of origin', potentially affecting short positions expecting delivery to exchanges and could lead to major losses. Bob also touches upon the lack of retail interest in gold and silver markets despite their proximity to all-time highs due to changing consumer demographics, unregulated industry practices, and misleading sales tactics. He further discusses potential implications of tariffs on precious metals markets and the shift towards physical metal becoming a more price-dominant theme. Additionally, they explore the impact of investor behavior and supply constraints on platinum and potential implications of the U.S. administration's involvement in cryptocurrencies. The conversation also highlights increasing demand for precious metals during the Democratic administrations due to concerns over spending and taxes, potential effects of tariffs on the financial system and gold market, volatility in the economy, and central banks' actions as significant themes for 2025, and the possibility of creating stablecoins backed by precious metals. Time Stamp References:0:00 - Introduction0:38 - Trump, Trade & EFP5:22 - Tariffs & Origins10:28 - 50+ Year EFP Chart17:30 - EFP Premiums & Covid20:14 - Retail Precious Metals25:45 - Gold & Silver EFP?29:15 - Platinum Markets33:18 - Metals Vs. Meme Coins37:10 - Crypto Credibility39:37 - Monetary Restraint44:55 - 2024 Physical Demand47:13 - U.S. Tariffs & C.B. Gold50:07 - Uncertainties & Wrap Up Talking Points From This Episode Tariffs could drive up EFP premiums in the precious metals market, leading to significant losses and tightened liquidity. Changing consumer demographics, industry practices, and sales tactics decreased retail interest in gold and silver markets despite high prices. Potential tariffs, investor behavior, supply constraints, and U.S. involvement in cryptocurrencies could influence metals markets and trends for 2025. Guest Links:Twitter: https://twitter.com/profitsplusidWebsite: https://www.goldsilvervault.com/Presentation: https://www.goldsilvervault.com/blog/deciphering-the-complex-world-of-precious-metal-derivatives-ucits-and-the-shift-from-physical-to-paper-gold-silver Bob Coleman is a Registered Investment Advisor since 1992. In 2001, he founded Profits Plus Capital Management, LLC (RIA) and Dollars and Sense Growth Fund. Recognizing the necessity for physical metal storage, he founded Idaho Armored Vaults and Gold Silver Vault in 2008. They are a distinguished and respected leader in the precious metals industry specializing in storage, transportation, shipping logistics, and security.

Did you know the way you manage your money could mirror how you care for your health? In this episode of Total Health in Midlife, I sit down with Marie Burns, a Certified Financial Planner and former Registered Dietitian, to explore the fascinating connection between financial habits and physical well-being.  Marie shares how behaviors we learned in childhood influence our choices today and how rewriting those narratives can lead to greater balance and confidence. We discuss why financial wellness and physical health are deeply intertwined, offering practical tips to take charge of both.  From uncovering your "money personality" to understanding how stress impacts your finances and health, this episode is packed with relatable stories, actionable advice, and tools you can use to start making positive changes. Whether you're looking to feel more empowered in managing your money or inspired to create a healthier lifestyle, this conversation will leave you with fresh perspectives and a renewed sense of possibility.  Don't miss the valuable insights Marie shares about living more balanced and vibrant midlife. About Marie Burns Marie Burns, a Certified Financial Planner (CFP) with insurance and securities licenses, has been advocating for clients as a financial advisor for over 20 years.  She has helped clients with their financial lives in a fiduciary capacity in a bank setting, accounting firm, at Vanguard, at a financial planning firm, and now writes and speaks and has her own practice with an independent Registered Investment Advisory firm called Focus Point Planning.  She enjoys cooking, reading, walking, hiking, Zumba, and especially creating memories with family and friends.  Get full show notes and more information here: https://elizabethsherman.com/206

When did you last get a compliment on an email you sent to your clients? If it's been a while, this is the episode for you.Tune in as Candice shares next-level tips on how to write emails that result in increased engagement and increased referrals!Connect with me: Candice Carlton on LinkedInWant to learn more…Visit ficommpartners.com

Discover how to transform your firm's marketing into a tool for genuine connection with high-net-worth clients. Join me as together we uncover the secrets to overcoming growth plateaus by aligning your strategy with your firm's core mission, values, and ideal client profile. Learn to craft marketing that resonates, reflects your authenticity, and drives meaningful relationships.Connect with us: Candice Carlton on LinkedInWant to learn more?Visit ficommpartners.com

A common misconception about the RIA model is that you must be 100% fee-only with your practice.While many RIAs are indeed 100% fee-only, and others aspire to eventually be, there is no requirement to do so.Many RIAs operate under a hybrid arrangement, allowing them to continue servicing legacy and/or new brokerage relationships.Other RIAs work to slowly transition their current fee/commission practice towards a fee-only structure.In this episode (#117) of the Transition To RIA question and answer series, I discuss several approaches RIAs use to “solve” for their remaining commission assets.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/how-to-solve-for-your-remaining-commission-assets/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

In this week's episode, we conclude our 4 part Advent study of Heather's new book Encountering Emmanuel. We discuss how we all have deep cries within our hearts and how Jesus coming as a baby gives voice to those longings and sorrows that we hold. We also reflect on the role of the Holy Spirit in revealing the love of God, the power of a name in calling out our truest identity, and the great adventure of falling in love with the Lord. Friends, thank you for joining us on the journey this Advent season. We look forward to next year and pray the Lord reveals Himself to you in a deeper and more intimate way this Christmas season. God bless! Heather's One Thing - 2025 SEEK Conference in DC and the Ave Maria Press team Sister Miriam's One Thing - Lo, How a Rose E'er Blooming choral arrangement Michelle's One Thing - Our amazing staff (Kristina, Camille, Kate, and Kathy) and The Genesis Prescription Program with SoulCore   Other Resources Mentioned:  Encountering Emmanuel Resources    Announcement: Season 16 will begin on January 20th, 2025!   Journal Questions: What would it look like for light to be born in the darkness of my life? Where are the places I'm trying to escape or overcome my own humanity? Where in my spiritual life do I feel like I've plateaued? Pray the Litany of Encounter. Which line resonates with you at this moment?   Discussion Questions: When you think about seeing Jesus face-to-face, what questions, fears, or excitement are in your heart? Where do you need the Holy Spirit to overshadow you? What graces have you received this Advent? What is Jesus inviting you to this Christmas season?   Quote to Ponder: “Jesus has chosen to show me the only way which leads to the divine furnace of love; it is the way of a childlike self-surrender, the way of a child who sleeps, afraid of nothing, in its fathers arms.” (St Therese of Lisieux)   Scripture for Lectio: “And His name shall be called Emmanuel, which means God with us.”  (Matthew 1:23)   Sponsor - Stonecrop Wealth Advisors: Are your financial decisions truly aligned with your Catholic faith? Many investors are unaware that their portfolios might be supporting causes that contradict their deepest values in Christ. At Stonecrop Wealth Advisors, we believe it's possible to invest in a way that reflects and honors your beliefs. We offer faith-based investment portfolios that avoid companies involved in activities contrary to Christian values, such as abortion, pornography, or pride parades. Instead, we focus on supporting businesses that align with the teachings of the Church and work to build the Kingdom of God while contributing positively to society. As a fee-only fiduciary, our primary mission is to serve your best interests. We offer financial advice and investment management designed to help you achieve your long-term goals without compromising your values. Whether you're an individual, family, business, or non-profit, we're here to provide you with a new path toward a faith-driven financial future. No matter where you are on your financial journey, you can start aligning your investments with your faith today. If you're ready to transform your financial strategy and help ensure your investments are working to build a future guided by faith, reach out to Stonecrop Wealth Advisors. As part of our commitment to helping you, we're offering a free financial plan and portfolio analysis. We'll help you discover which of your current investments might be funding activities that go against your beliefs and guide you toward a faith-aligned investment strategy. To learn more and take the next step toward aligning your finances with your faith, visit https://www.stonecropadvisors.com/abidingtogether Investment advisory services are offered through Stonecrop Wealth Advisors, LLC, a Registered Investment Advisor with the U.S. Securities and Exchange Commission.   Timestamps: 00:00 - Stonecrop Wealth Advisors 01:13 - Intro 02:19 - Welcome 05:03 - Jesus Comes to Show Us God's Love 07:07 - The Liturgical Seasons 08:33 - He Comes with a Cry 11:38 - He Comes with a Name 12:27 - He Comes as a Person with a Face 16:00 - He Comes with the Holy Spirit 20:30 - He Comes as a Gift to the World 25:10 - Litany of Encounter 29:02 - One Things  

In this episode of the 9inngs Podcast, host Kevin Thompson interviews Manish Khatta from Potomac about transition to becoming a Registered Investment Advisor (RIA). They explore the pros and cons of moving from a broker-dealer to an RIA, emphasizing the importance of self-awareness in making this decision. Manish shares insights from his experience, noting that not all advisors want to be business owners; many prefer focusing solely on advising clients. They also discuss the financial implications, infrastructure needs, and emotional challenges of running an RIA, stressing the significance of understanding one's value proposition.The Role of Arrogance (00:02:11)Understanding RIA Benefits (00:06:05)Cost of Ownership (00:09:27)Payout Changes in the Industry (00:12:29)Scaling Advisory Services (00:15:59)Concerns in Going Independent (00:19:23)Revenue Generation Focus (00:22:19)Tech Integration Challenges (00:25:06)Potomac's Growth Story (00:30:11)Business Aspirations (00:34:26)Social Media Caution (00:37:11)Podcast Conclusion and Reflection (00:38:08)Follow Us: youtube: / @9icapLinkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428facebook: / mlb2cfpBuy MBB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-Hit the subscribe button to get new content notificationsCorrections: Editing by http:/SwoleNerdProductions.comWebsite: http://www.9icapitalgroup.comCorrections: Editing by http://SwoleNerdProductions.com

You've spent months researching the RIA model.Months performing due diligence.Months planning for the actual transition.The day to transition arrives.You resign from your firm.You pick up the phone and call your first client to tell them about your new plans.But what do you say?How should you say it?What might your clients say?In this episode of the Transition To RIA question and answer series, I provide 9 tips on how to explain to clients your transition to the RIA model.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/how-to-explain-to-clients-your-transition-to-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Is it possible for tips and social security not to be taxed? In this episode of 

Balancing Acts: Safe Withdrawal Rates in the Indian Context by Rajan Raju, Ravi Saraogi : https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4697720In this episode of Paisa Vaisa, host Anupam Gupta sits down with Ravi Saraogi, founder of Samasthiti Advisors, to decode the essentials of retirement planning in India. Ravi shares his journey as a Registered Investment Advisor (RIA), dives deep into fundamental concepts like accumulation phase, corpus, and safe withdrawal rate, and provides a clear roadmap for listeners to start their financial planning. We also explore Ravi's groundbreaking January 2024 research paper co-authored with Rajan Raju, uncovering key insights and challenging outdated approaches to retirement in India. Learn about the critical role of sequence of returns risk, Ravi's response to a Mint article debate on retirement numbers, and actionable strategies to secure a financially independent future. Get in touch with our host Anupam Gupta on social media: Twitter: ( https://twitter.com/b50 ) Instagram: ( https://www.instagram.com/b_50/ ) LinkedIn: (https://www.linkedin.com/in/anupam9gupta/                          You can listen to this show and other awesome shows on the IVM Podcasts website at https://www.ivmpodcasts.com/ You can watch the full video episodes of PaisaVaisapodcast on the YouTube channel.Do follow IVM Podcasts on social media. We are @ivmpodcasts on Facebook, Twitter, & Instagram.  See omnystudio.com/listener for privacy information.

What is the payout in the RIA model?Simple question, not so simple answer.To perform an accurate comparison, you must:Properly calculate your current payout.Understand how payouts are expressed in the RIA model (spoiler: there is far less uniformity in the RIA space.)Consider what value is provided to you for the payout, and what you're responsible for sourcing yourself.Consider how the resulting payout figures compare across channels and offerings.In this episode of the Transition To RIA question and answer series, I expand on each of these variables.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/how-does-an-ria-payout-compare-to-a-broker-dealer-payout/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

I'm not a financial advisor; Superpowers for Good should not be considered investment advice. Seek counsel before making investment decisions.Watch the show on television by downloading the e360tv channel app to your Roku, AppleTV or AmazonFireTV. You can also see it on YouTube.When you purchase an item, launch a campaign or create an investment account after clicking a link here, we may earn a fee. Engage to support our work.Devin: What is your superpower?Paul: When we're talking about superpowers, I don't think there is a greater superpower than to inspire people. I think that's the ultimate superpower because, in the end, the only minds we have control over changing are our own. The very best we could do for others is to inspire them. Now you have to ask the question, well, how do you inspire somebody? And I think that's done with love.Crowd investing offers a unique opportunity to shape the future while achieving financial goals. Paul Lovejoy, Principal Investment Advisor of Stakeholder Enterprise, is passionate about this transformative investment approach. His personal journey, marked by financial trauma during the 2008 crisis, led him to discover the power of social enterprises and crowdfund investing.Paul shared how his experiences inspired a shift in his career. “Through a dedication to practice personal development, I started to heal. And healing meant I needed to face my own past and my financial trauma,” he explained. This journey not only led him to confront his challenges but also to embrace a new way of investing. He described how platforms like SMBX and GroundFloor enable investors to support small businesses and local economies while earning returns.Paul's strategy emphasizes the importance of income-producing assets. “There's no greater way to build wealth than through income-producing assets,” he noted. By investing in offerings with regular income streams, such as short-term real estate loans on GroundFloor or local business notes via SMBX, investors can achieve steady returns while creating positive social impact.Paul also highlighted the broader implications of investment choices. “Where we place our capital really matters,” he said, urging investors to consider how their investments shape the world. His approach balances financial returns with a commitment to community empowerment, making impact crowdfunding both rewarding and sustainable.For those looking to fully integrate crowd investments into their portfolios, Paul advocates seeking professional guidance. “You don't want to go this alone,” he advised, stressing the importance of strategy and diversification.Today's episode underscores that impact crowdfunding is not just about funding businesses—it's about shaping a better future while achieving personal financial goals.tl;dr:* Paul Lovejoy shared his passion for investing, sparked by childhood curiosity and personal experiences.* Today's episode revealed Paul's transformative journey from financial trauma to embracing impact investing.* Paul highlighted peer-to-peer lending and Regulation Crowdfunding as tools for creating social and financial change.* Paul's approach emphasizes investing in income-producing assets to build wealth and sustain communities.* He advocates guiding and inspiring others with love, respect, and thoughtful questions to empower success.How to Develop Inspiring with Love As a SuperpowerPaul Lovejoy's superpower is the ability to inspire others through love, acceptance, and respect. By fostering an environment of understanding and encouragement, Paul helps people embrace challenges, explore new possibilities, and achieve their goals.Paul shared a touching story about his younger son, who aspired to join his school's basketball team despite lacking prior experience. Instead of offering advice, Paul asked thoughtful questions to guide his son to discover his own solutions. By encouraging self-reflection, Paul empowered his son to practice, gain confidence, and actively work toward his goal. Seeing his son practice with friends and an assistant coach underscored the transformative power of inspiration.Tips for Developing the Superpower:* Cultivate Acceptance and Respect: Create spaces where people feel valued for who they are.* Ask Thoughtful Questions: Guide others to discover their own paths rather than dictating solutions.* Let Go of Blame: Recognize and release anger or blame to open yourself to love and acceptance.* Embrace Humility: Focus on being the best version of yourself rather than trying to control others.By following Paul's example and advice, you can make inspiring with love a skill. With practice and effort, you could make it a superpower that enables you to do more good in the world.Remember, however, that research into success suggests that building on your own superpowers is more important than creating new ones or overcoming weaknesses. You do you!Guest ProfilePaul Lovejoy (he/him):Principal Investment Advisor, Stakeholder EnterpriseAbout Stakeholder Enterprise: Stakeholder Enterprise is a Registered Investment Advisory firm and home of the Crowd Investor Program, a three-part initiative to ethically build wealth through private market crowd investing. We offer custom personal financial plans for both unexpected expenses and planned financial goals. Our mission is to accelerate the economic well-being of compassionate people by providing advice and plans on investments seeking risk-adjusted market returns in small businesses, as well as environmental solutions and investments that bridge the wealth divide.Website: www.stakeholderenterprise.comOther URL: feeds.captivate.fm/stakeholder-enterprise/stakeholder-enterprise/Biographical Information: Paul was a defrauded real estate investor in 2008, experiencing intense financial shame and loss. For the next 8 years, he stayed in the real estate industry suffering in silence. In 2016, he began practicing personal development and discovered that personal finance has more to do with personal growth than actual finance. His journey of personal development led him to a career in wealth strategy. It was this career shift that gave him the knowledge to understand the Global Financial Crisis of 2008, the unethical nature of the financial service industry and the regenerative power of crowd-sourced financing. In 2022, Paul opened the doors to the nation's first crowd investment advisory, Stakeholder Enterprise, offering financial plans to compassionate people seeking financial stability through ethical wealth-building practices.Linkedin: linkedin.com/in/paul-lovejoy/Instagram Handle: @paul.lovejoySupport Our SponsorsOur generous sponsors make our work possible, serving impact investors, social entrepreneurs, community builders and diverse founders. Today's advertisers include FundingHope, Mivium, Abby and SuperCrowd Impact Membership. Learn more about advertising with us here.Max-Impact MembersThe following Max-Impact Members provide valuable financial support to keep us operating:Carol Fineagan, Independent Consultant | Lory Moore, Lory Moore Law | Marcia Brinton, High Desert Gear | Paul Lovejoy, Stakeholder Enterprise | Ralf Mandt, Next Pitch | Add Your Name HereUpcoming SuperCrowd Event CalendarIf a location is not noted, the events below are virtual.* SuperCrowd Mastermind Group, twice monthly on the 1st and 3rd Thursdays at noon Eastern. This group is for entrepreneurs and small business owners interested in raising money from the crowd. Attend your first meeting free!* Impact Cherub Club Meeting hosted by The Super Crowd, Inc., a public benefit corporation, on November 19, 2024, at 1:00 PM Eastern. Each month, the Club meets to review new offerings for investment consideration and to conduct due diligence on previously screened deals. To join the Impact Cherub Club, become an Impact Member of the SuperCrowd.* SuperCrowdHour, November 20, 2024, at 1:00 PM Eastern. Each month, we host a value-laden webinar for aspiring impact investors or social entrepreneurs. At November's SuperCrowdHour, Devin will explain six common investment types you need to understand before you can invest like a pro. Free to attend.Community Event Calendar* Successful Funding with Karl Dakin, Tuesdays at 10:00 AM ET - Click on Events* Community Revitalization, Thursdays, 10:00 AM Eastern.* CfPA Webinar with President-Elect Jenny Kassan sharing her vision for 2025, December 11 at 2:00 PM Eastern.* Changing the Paradigm: Mobilizing Community Investment Funds, March 7, 2025* Asheville Neighborhood Economics, date TBD following impact of Helene.If you would like to submit an event for us to share with the 8,000+ members of the SuperCrowd, click here.We use AI to help us write compelling recaps of each episode. Get full access to Superpowers for Good at www.superpowers4good.com/subscribe

Send us a textOn the latest episode of The Get Ready Money Podcast, I spoke with Dr. Brad Klontz, author and financial psychologist and Adrian Brambila, internet entrepreneur about changing the way we think about money and living a life of abundance. In this episode we discussed:How to practice an abundance mindset and shift to a rich mindset. Why you must believe that you can change your circumstances to take control of your money. The importance of experiencing joy when you achieve financial independence. How and why you should use money to buy time. Poor people buy stuff, rich people buy time. Live within your means and practice balance. Brad Klontz is a Financial Psychologist, Certified Financial Planner Practitioner, and Managing Principal at YMW Advisors, an independent, fee-only, Registered Investment Advisory firm. With over 15 years of experience in the field of financial psychology, he helps clients understand and overcome their subconscious beliefs and patterns that affect their financial behaviors and decisions.Brad is also an Associate Professor of Practice at Creighton University's Heider College of Business, where I teach and conduct research on the psychology of financial planning, behavioral finance, money disorders, and financial wellness. He has authored or co-authored eight books and over 100 articles on these topics, and I have been featured in national and international media outlets such as The New York Times, The Wall Street Journal, USA Today, and CNBC. Adrian Brambila is the CEO of adrianbrambila.com. Adrian Brambila is an Ex-professional hip hop dancer who toured with T-Pain and started his first online business in 2011 teaching people how to dance the robot. It grew to the #1 place people learned the dance style of ‘popping' online and although it never became a seven figure operation it allowed Adrian to quit his 9-5 and learn about affiliate marketing.  Adrian went viral on TikTok in 2020 while living in his van and transparently showing how he was making over $100K a month on only a day of wifi a week. Today Adrian is an active affiliate for over 500 different companies, owns a digital marketing agency with 20 American employees and now teaches beginners how to do affiliate marketing through his program The Brambila Method. Connect with Dr. Brad Klontz: InstagramX (Twitter)FacebookLinkedInTikTokYouTubeConnect with Adrian Brambila:X (Twitter)InstagramFacebookLinkedInTikTokYouTubeSupport the show

Start With The End In Mind E15 In this episode of Financial Footsteps, host Chad Dean explores the career journey of Ryan Boen, CFO EVP of Cambridge Investment Research, who grew up in a small South Dakota town and transitioned from his family's lumber business to a successful finance career with top firms like Deloitte […] The post Start With The End In Mind E15 appeared first on Business RadioX ®.

Start With The End In Mind E15 In this episode of Financial Footsteps, host Chad Dean explores the career journey of Ryan Boen, CFO EVP of Cambridge Investment Research, who grew up in a small South Dakota town and transitioned from his family's lumber business to a successful finance career with top firms like Deloitte […] The post Start With The End In Mind E15 appeared first on Business RadioX ®.

In Episode 117 of Safer Retirement Radio, Brian Decker and new advisor Mark Knauss, CFP(R) dive deep into effective retirement planning strategies. Together, they tackle the critical transition from accumulation to distribution, emphasizing the risks of outdated strategies like traditional asset allocation pie charts and bond funds, especially in today's rising interest rate environment. Learn why laddered principal-guaranteed accounts and a risk bucket for growth are essential components for a sustainable retirement plan. Brian and Mark also break down key points about variable annuities, non-traded REITs, and high-fee C-share mutual funds—financial products they caution against due to hidden fees and lack of transparency. They discuss the importance of working with a fiduciary advisor who is Series 65 licensed, independent, and a Registered Investment Advisor (RIA), ensuring that you're working with someone who puts your interests first. Key Takeaways: The importance of distribution-focused strategies over accumulation in retirement. Why laddered principal-guaranteed accounts offer security in retirement income. Avoiding high-fee products like variable annuities and C-share mutual funds. Fiduciary standards and how to find a fiduciary advisor to secure your financial future.

Transitioning your practice to the RIA model involves a lot of work, and at times, a fair amount of stress.But ask anyone that has made the transition, and they'll tell you the destination is worth the journey.You should prepare yourself, though, for what the journey will entail.In this episode of the Transition To RIA question & answer series I explain what the most stressful parts of a transition are, and how to prepare for them.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-are-the-most-stressful-parts-of-starting-an-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

What is the difference between tax planning vs tax advice?  In this episode of

If you start your own RIA, will you be able to participate in your custodian's client referral program?First starters, do you know what these programs are?Or which custodians have them?Or who is eligible, and likely to be able to participate in them?In this episode of the Transition To RIA question & answer series I address these questions, and more!Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/can-i-join-a-custodians-client-referral-program/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

Bart Zandbergen was joined in the podcast studio by Paula Steurer of Sterling Public Relations who took over as the episode's host to interview Bart. Taking listeners on a journey back in time, Bart shared details of his humble beginnings and the pivotal fork in the road, inspired by the movie “Rocky,” that changed everything. In this candid episode, Bart discussed some of the most pivotal lessons he has learned in his life and in his business endeavors. He also talked about myths, misconceptions, the True Wealth pillars and how anyone can make the choice to rewrite their story. Key topics discussed in this episode include: -Why leading with integrity is paramount -How to “gut check” yourself when making decisions -Why getting to know a person's story is so vital to your connection with them -What stops individuals from deciding to rewrite their story -Bart's top lessons learned in his 20s, 30s, 40s, 50s, and now *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Zandbergen Group is a DBA of Axxcess Wealth Management, LLC a Registered Investment Advisor with the SEC. Bart A. Zandbergen, CA Insurance License #OA96242.   

Success in the real estate space depends on personalization—hitting people with the right message, at the right time, in the right place. Yet, gathering all the necessary information and then putting it into action is time-consuming, expensive, and often overwhelming. In today's fast-paced market, we can't afford to rely on slow or outdated processes. The longer you wait to implement a smart strategy, the more opportunities slip away. But what if there was a way to make personalization faster, cheaper, and more effective? Wouldn't it be amazing if we could automatically know exactly what to say and when to say it to both buyers and sellers? How much time could be saved if personalization wasn't a manual, painstaking process? Drew Fabrikant, CEO and founder of Scout joins me to talk about how his platform  is revolutionizing the email outreach campaign game for real estate, how it uses AI to enhance lead gen and why personalization is the key to success.   Personalization is the key to success. -Drew Fabrikant   Guest Bio Drew is the founder and CEO of Scout, an email marketing platform that enhances lead generation and customer engagement using advanced data analytics and AI to help agents better understand their markets and reach out to new and prospective clients. Previously, Drew served as the Managing Director of VOR, a real estate investment holdings company, in the C-Suite of a Registered Investment Advisor on Wall Street, and as an attorney at Skadden Arps where he practiced Financial Institutions Mergers and Acquisitions. Drew works with OS NY, an esports venue in New York City and advised OS Studios through their acquisition by Project Worldwide. Drew received his J.D. from Georgetown University Law Center and his B.A. from the University of Maryland. Visit https://www.trustscout.com/ or trustscout.realestate  Use code 40TSOFF for 40% off.   About Your Host ​​Licensed Managing Broker, REALTORS®, avid volunteer, and Major Donor, Marki Lemons Ryhal is dedicated to all things real estate. With over 25 years of marketing experience, Marki has taught over 250,000 REALTORS® how to earn up to a 2682% return on their marketing dollars. Six-time REALTOR® Conference and Expo featured attendee, one of 100 speakers selected to speak the REALTOR® Conference & Expo five times, and an Inman closing Keynote Speaker. Marki's expertise has been featured in Forbes, Washington Post, http://Homes.com , and REALTOR® Magazine.   Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

Tom Bodrovics welcomes back Bob Coleman from Idaho Armored Vaults. They explore current trends and insights in the precious metals markets. With gold and silver reaching record highs, excitement for investors should be palpable, but retail participation remains low due to factors like premiums and negative sentiment. High net worth individuals continue driving demand and the impacts of Indian gold and silver imports and buying activity was also discussed. The conversation delves into the dynamics between managed money funds and swap dealers, the role of options markets, and the shift from COMEX to ETFs for investment. Bob also examines recent changes in margin requirements by the CME and their potential impact on market trends. Coleman emphasizes the importance of understanding dealer business models and avoiding sensational and fear-based reasons for buying precious metals. He warned against manipulative dealers, inflating prices through social media tactics, and advises careful reading of storage agreements. Coleman further discusses physical precious metals demand from high net worth individuals due to tax planning, estate planning, counterparty risk concerns, and potential election policies. However, lease rates pulling back and increasing COMEX inventories indicates lower physical demand. Coleman also cautioned investors about overly sensational or fear-based reasons for buying precious metals. Investors should be cautious of agreements that move liability to the client. He emphasizes the importance of being prepared for market volatility, consider taking profits or protective measures, and understanding spot dealer practices. Time Stamp References:0:00 - Introduction1:14 - Market Status & Highs6:52 - Shorts & Metals Demand12:00 - P.M. ETF Flows/Demand17:05 - Demand Drivers19:04 - Lease Rates & Premiums24:02 - Compare Prices & Premiums29:04 - User Agreement Red Flags33:03 - Sensationalism & Fear40:15 - Selling Back Metal44:00 - ETFS & Metal Claims49:44 - Elections & Narratives53:00 - Wrap Up Talking Points From This Episode High net worth individuals are driving precious metals demand despite low retail participation due to premiums and negative sentiment. Understand dealer business models to avoid manipulative practices and sensational reasons for buying precious metals. Tax reductions, elections, and geopolitical events significantly influence precious metals market trends. Guest Links:Twitter: https://twitter.com/profitsplusidWebsite: https://www.goldsilvervault.com/ Bob Coleman is a Registered Investment Advisor since 1992. In 2001, he founded Profits Plus Capital Management, LLC (RIA) and Dollars and Sense Growth Fund. Recognizing the necessity for physical metal storage, he founded Idaho Armored Vaults and Gold Silver Vault in 2008. They are a distinguished and respected leader in the precious metals industry specializing in storage, transportation, shipping logistics, and security.

In this episode of GENTLEMAN SPECULATOR, I sit down with Clay Finck from 'We Study Billionaires' to discuss Chris Mayer's book '100 Baggers,' the quality investing ethos, and the friction stock analyst have with bitcoin. Clay shares his journey from being an actuary in Nebraska to going full time with The Investors Podcast Network. Highlights include specific companies like Copart and Constellation Software. Clay is one of the few guys I can have a conversation with about long-term investing, the value of high-quality businesses, and how Bitcoin breaks the mold.03:15 Clay's Journey to the Investors Podcast06:36 Avoiding Clickbait10:07 Midwest small town values and investing13:45 Chris Mayer's ‘100 Baggers'24:42 Constellation Software32:51 Bitcoin for stock pickersSubscribe to emails at https://www.gentlemanspeculator.com/ Andy Flattery is the Owner of Simple Wealth Planning, a Registered Investment Advisor. All opinions expressed by Andy and guests are solely their own opinions and do not reflect the opinions of Simple Wealth Planning. This podcast is for informational and entertainment purposes only and should not be relied upon as investment, tax, or legal advice. Clients of Simple Wealth Planning may maintain positions in bitcoin and the securities discussed in this podcast. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.gentlemanspeculator.com

Rexford is president of Keats Group LLC, a comprehensive financial advisory firm. He works with successful families and family businesses to implement effective income planning, tax planning, and asset protection solutions that are administratively practical. He manages our service relationships with specialists for complex tax and estate planning, business transitions, and company retirement benefit planning.He writes and speaks on various succession and compensation planning topics for professionals and business owners. He is the lead author of InBusiness™, which features topics of planning interest to Private Clients.Mr. Cattanach has served on community boards and other leadership roles in the Twin Cities, including the Board of Directors of Lakeview Health, a sole corporate member of HealthPartners health system, where he was chair of the physician and executive compensation committee, a member of the finance committee and the ad hoc committee overseeing the Lakeview Health integration with HealthPartners.Rexford is a fiduciary, independent financial advisor who has completed over one hundred business valuations and transitions. He has volunteered as an academic tutor and mentor to at-risk K-12 children at Good Neighbor Center in Saint Paul, Minnesota for 19 years. To recharge, he enjoys the quiet scenery of trail hiking, road biking, and Nordic skiing.Learn More: https://www.keatsgroup.com/Keats Group LLC is a comprehensive financial services company that provides investment, tax and estate planning, asset protection, and pre- and post-sale guidance to private clients and business families. Keats Group and its agents and employees do not provide legal or tax advice. Investment services are offered as a fiduciary Independent Advisor Representative of Advisor Share Wealth Management, a Registered Investment Advisor (RIA), upon completing a signed Service Agreement.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rexford-cattanach-president-of-keats-group-discussing-working-with-cpas-on-business-succession

https://www.gentlemanspeculator.com/You heard right. The Reformed Financial Advisor Podcast? It's gone. Dead and buried. From now on, it's Gentleman Speculator. Cleaner. Sharp as a stiletto heel. Like Alain Delon's tailored slacks. Money is a tool. But this isn't about counting beans anymore. We're talking shadows, where the real power reveals itself. The true Zorro? It's William Lamport. And he doesn't just fight with a sword; he fights with secrets. Bruce Wayne's noblesse oblige? That's not rotten lefty philanthropy—it's blood, sweat, and munificence bestowed on a world that can't get clean.In this cesspool we call progress, a few old stories still have teeth - The Dark Knight, Finkle-McGraw, Holmes, and, Marlowe. Sharp enough to bite, vicious enough to remind us of the American myths we once knew.The truth? The answers are out there, somewhere between the rain-soaked streets of high finance and the dusted corridors of the liberal arts. It's all connected—sleuthing, speculating, playing the long game. And if you're not seeing the big picture, you're already yesterday's news.But don't expect an easy listen. The rabbit hole's deep, one misstep and you're in free fall. Welcome to Gentleman Speculator.Andy Flattery is the Owner of Simple Wealth Planning, a Registered Investment Advisor. All opinions expressed by Andy and guests are solely their own opinions and do not reflect the opinions of Simple Wealth Planning. This podcast is for informational and entertainment purposes only and should not be relied upon as investment, tax, or legal advice. Clients of Simple Wealth Planning may maintain positions in bitcoin and the securities discussed in this podcast.

Rexford is president of Keats Group LLC, a comprehensive financial advisory firm. He works with successful families and family businesses to implement effective income planning, tax planning, and asset protection solutions that are administratively practical. He manages our service relationships with specialists for complex tax and estate planning, business transitions, and company retirement benefit planning.He writes and speaks on various succession and compensation planning topics for professionals and business owners. He is the lead author of InBusiness™, which features topics of planning interest to Private Clients.Mr. Cattanach has served on community boards and other leadership roles in the Twin Cities, including the Board of Directors of Lakeview Health, a sole corporate member of HealthPartners health system, where he was chair of the physician and executive compensation committee, a member of the finance committee and the ad hoc committee overseeing the Lakeview Health integration with HealthPartners.Rexford is a fiduciary, independent financial advisor who has completed over one hundred business valuations and transitions. He has volunteered as an academic tutor and mentor to at-risk K-12 children at Good Neighbor Center in Saint Paul, Minnesota for 19 years. To recharge, he enjoys the quiet scenery of trail hiking, road biking, and Nordic skiing.Learn More: https://www.keatsgroup.com/Keats Group LLC is a comprehensive financial services company that provides investment, tax and estate planning, asset protection, and pre- and post-sale guidance to private clients and business families. Keats Group and its agents and employees do not provide legal or tax advice. Investment services are offered as a fiduciary Independent Advisor Representative of Advisor Share Wealth Management, a Registered Investment Advisor (RIA), upon completing a signed Service Agreement.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rexford-cattanach-president-of-keats-group-discussing-tax-planning-for-high-net-worth-clients

Rexford is president of Keats Group LLC, a comprehensive financial advisory firm. He works with successful families and family businesses to implement effective income planning, tax planning, and asset protection solutions that are administratively practical. He manages our service relationships with specialists for complex tax and estate planning, business transitions, and company retirement benefit planning.He writes and speaks on various succession and compensation planning topics for professionals and business owners. He is the lead author of InBusiness™, which features topics of planning interest to Private Clients.Mr. Cattanach has served on community boards and other leadership roles in the Twin Cities, including the Board of Directors of Lakeview Health, a sole corporate member of HealthPartners health system, where he was chair of the physician and executive compensation committee, a member of the finance committee and the ad hoc committee overseeing the Lakeview Health integration with HealthPartners.Rexford is a fiduciary, independent financial advisor who has completed over one hundred business valuations and transitions. He has volunteered as an academic tutor and mentor to at-risk K-12 children at Good Neighbor Center in Saint Paul, Minnesota for 19 years. To recharge, he enjoys the quiet scenery of trail hiking, road biking, and Nordic skiing.Learn More: https://www.keatsgroup.com/Keats Group LLC is a comprehensive financial services company that provides investment, tax and estate planning, asset protection, and pre- and post-sale guidance to private clients and business families. Keats Group and its agents and employees do not provide legal or tax advice. Investment services are offered as a fiduciary Independent Advisor Representative of Advisor Share Wealth Management, a Registered Investment Advisor (RIA), upon completing a signed Service Agreement.Influential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-rexford-cattanach-president-of-keats-group-discussing-business-succession-planning

Maximizing Retirement Income: Transition from Active to Passive IncomeIn a recent episode of "The Thoughtful Entrepreneur," host Josh engages in a thought-provoking conversation with Steve Selengut, also known as "The Income Coach." Steve, the author of "Retirement Money Secrets" and the mind behind theincomecoach.net, shares his expertise on financial strategies tailored for business owners and entrepreneurs. The episode delves into retirement planning, transitioning from active income to passive income through investments, and the importance of profit margins. Here, we break down the key insights and actionable advice from the episode to help you optimize your financial future.Steve Selengut specializes in helping individuals transition their investment portfolios into income-generating assets. He often works with business owners contemplating retirement or those looking to optimize their investment strategies. Steve's journey began with selling his business and successfully generating income from his investment portfolio, allowing him to retire comfortably. His investment philosophy centers around a critical question: "How much income is your portfolio generating?" He notes that many portfolios yield less than 3% in income, whereas his own portfolio yields around 10%. The key to achieving higher income lies in using the same securities but packaging them differently to focus on income production.Steve introduces closed-end funds as a powerful tool for income generation. These investment vehicles are designed to generate income rather than grow in market value. They invest in a variety of securities, allowing investors to benefit from income generation while minimizing market risk. Steve likens an investment portfolio to a retail store, where each investment represents a product on the shelf. He advocates for setting a profit target—such as 5%—and encourages clients to sell investments that exceed this target rather than waiting for potentially higher returns. This strategy secures profits and accelerates overall profit margins. By following these steps, you can build a robust investment portfolio that ensures financial stability and freedom in your retirement years.About Steve Selengut:Steve Selengut is a seasoned professional with over 40 years of experience in investment management, advisory services, and as a Registered Investment Advisor (RIA). Currently, Steve focuses on coaching both individuals and fellow advisors to achieve income independence for themselves and their clients. He is also promoting his second book, Retirement Money Secrets. Throughout his extensive career, Steve managed approximately 325 individual portfolios both domestically and internationally. He stands out as one of the few investment authors with direct experience in managing client investments.Steve demonstrates how to generate significantly more potential spending money than is typically needed, consistently quarter after quarter and year after year. His method enables clients to confidently state that neither stock market corrections nor rising interest rates will negatively impact their portfolio income. Instead, these conditions can actually accelerate income growth.Unlike most investment portfolios, which often produce modest returns of 3% or less, Steve's approach safely achieves returns that are two or more times higher.About The Retirement Income Coach LLC:Income Coach Steve Selengut spent his 40+ year career managing millions in client retirement assets for a higher level of income than most investors achieve. He shares a lifetime of income-building insights and innovative investing techniques in his new book Retirement Money Secrets, and his coaching services, and investment security Selection Universes.Steve"s methodology has been one of the best-kept secrets in the investment management business. But not anymore. Now, he's showing...