A coastal inlet formed by the partial submergence of an unglaciated river valley
Kelly and Chip talk new beginnings and fresh starts in the form of organization with celebrity organizer, Ria Safford. Ria has worked with clients like Jen Atkin, Chrissy Teigan, Paris Hilton and more and really started the game 10 days after giving birth to her third child! She talks about being a messy person turned organizer and gives tangible tips for people not wired for organization or born natural organizers. This fun filled conversation is full of laughs and pandemic recovery talks too! Socials: @riorganize Website: riorganize.com Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
Cathy is the founder of Curtis Financial Planning, an independent RIA firm located in Oakland, CA. She is a CFP professional and focuses on helping women achieve financial success. Cathy has been named to Investopedia's top 100 advisors the past three years and is part of several financial planning organizations to help grow her network and to help others. Company Website: https://curtisfinancialplanning.com/ Financial Finesse Podcast: https://curtisfinancialplanning.com/financial-finesse-podcast/ Linkedin: https://www.linkedin.com/in/cathycurtis/ WMA website: http://msuwma.com WMA YouTube: https://www.youtube.com/channel/UCT-eaRPTd0R1WlrLkRBweuQ Contact: email@example.com Song credits: Red Hot Chili Peppers - Snow (Hey Oh) https://www.youtube.com/watch?v=4iepT_0xpb0
Dan Callahan is the Partner and Chief Investment Officer at Capasso Planning Partners, an independent RIA based out of South Carolina that oversees $250 million of assets under management for 300 households. Dan and his firm began with zero clients but were able to grow substantially in only 3 years through client acquisitions by outsourcing lead generation to online third-party platforms. Listen in as Dan shares how he grew his firm virtually, the challenges and triumphs he experienced starting from zero, and how he has been able to keep pace with larger firms in terms of client outreach efforts. We also dive into how Dan uses third-party platforms to maximize his reach beyond South Carolina and how he justifies the revenue-sharing and substantial marketing costs it takes to buy leads. For show notes and more visit: https://www.kitces.com/264
It all started 10 hours after she gave birth to her son when an inquiry from Jen Atkin (top celebrity hair stylist) came through. Knowing this project would change her career, Ria didn't think twice with her instant reply - “When do you need me?” She was right. Organizing Jen Atkin's closet in 2019 did blow her business up. Today, Ria has worked with top-celebrity clients such as Chrissy Teigan, James Charles, and Paris Hilton. Ria got into organization because, well, she was messy by nature. As a mother of three, Ria felt chaotic and found resolve in decluttering and organizing her home. Her home began to feel like an outward expression of her internal state with a cluttered home leading to a cluttered feeling in the mind. With this revelation, she set out to help others find peace of mind by cultivating and curating functional living spaces for others. Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
Welcome to this episode of 20/20 Money! My guest on today's show is Eric Nelson, CFA (@ServoWealth). Eric is the found of Servo Wealth Management, a fee-only RIA located in Oklahoma City, OK. Eric and I share very, very similar investment philosophies in the way we manage client portfolios and I wanted to have him on the show to talk through how investors can think about their own investment philosophy. We talk about the degrees in which one can change their philosophy and approach to investing, why we believe (and the data overwhelmingly shows) that there's more return to capture in the markets than just investing in the S&P 500 (though it's a great start), and many other data-driven ideas. Today's quote comes to us from Jerry Colonna's conversation on the Tim Ferriss Show: “How have I been complicit in creating the conditions I say I don't want?” As a reminder, you can get all the information discussed in today's conversation by visiting our website at integratedpwm.com and clicking on the Learning Center. While there, be sure to subscribe to our newsletter and you can also set up a 20-30min Triage conversation to learn a little bit more about how we help ODs around the country reduce their tax bill, proactively manage cash flow, and make prudent investment decisions or check out any number of additional free resources like our eBooks, blog posts, and on-demand webinars. And with that introduction, I hope you enjoy my conversation with Eric Nelson. Callan Chart 2020 Follow us on Instagram: https://www.instagram.com/2020moneypod/ ————————————————————————————— Please rate and subscribe to 20/20 Money on these platforms Apple Podcasts Spotify Google Podcasts Stitcher ————————————————————————————— For past episodes of 20/20 Money with full companion show notes, please check out our episode archive here!
Ally, Andy, Jeff, and Ria round out their top television series of 1991 lists, now 3o years removed. Tune in and find out which made the #1! We follow up with a Wait Wait style round of Do You Know It?! and Andy leads a Then and Now. All this and more on a new Notable Nostalgia!Find us, our DND podcast, and social pages all at bigdoorprize.com/podcastsPart of the Big Door Prize Network.
Our guest today is Cullen Roche. Cullen is the founder and chief investment officer of the Discipline Funds. In addition, Cullen heads up Orcam Group, a registered investment advisory firm he established in 2012. Cullen also authors the popular blog "Pragmatic Capitalism," where he writes about a range of macroeconomic and investing topics. He is active on social media, including Twitter, where you can find him at @cullenroche. Cullen started his career as an advisor at Merrill Lynch and did a stint at an event-driven hedge fund before starting his RIA firm. He received his bachelor's degree in finance from Georgetown University's McDonough School of Business..BackgroundBioPragmatic Capitalism BlogPragmatic Capitalism: What Every Investor Needs to Know About Money and Finance, by Cullen RocheMacroeconomics and Financial Planning/Advice“Three Things I Think I Think—Macro Thoughts,” by Cullen Roche, pragcap.com, Aug. 3, 2021.The Psychology of Money: Timeless Lessons on Wealth, Greed, and Happiness, by Morgan Housel“The Most Important Investment Factor—Behavior,” by Cullen Roche, pragcap.com, April 6, 2018.“What Is the Value of Financial Advice?” by Cullen Roche, pragcap.com, Sept. 18, 2019.“Understanding Quantitative Easing,” by Cullen Roche, papers.ssrn.com, Feb. 10, 2014.“2 Reasons the Surging Deficit Worries Me,” by Cullen Roche, pragcap.com, Sept. 26, 2018.Economic Cycle and Fiscal Picture@jasonzweigwsj“Three Things I Think I Think: Cycles, Hunting Biden and Life,” by Cullen Roche, pragcap.com, Oct. 15, 2020.“Three Things I Think I Think: Housing Bubble 2.0, Passive Investing and Hyperinflation,” by Cullen Roche, pragcap.com, April 8, 2021.“Should House Prices Be in the CPI?” by Cullen Roche, pragcap.com, Aug. 24, 2021.“Understanding Government Liabilities,” by Cullen Roche, pragcap.com, March 28, 2021.Inflation and Interest Rates“Let's Talk About Inflation,” by Cullen Roche, pragcap.com, May 12, 2021.“Is Hyperinflation Coming?” by Cullen Roche, pragcap.com, Oct. 25, 2021.“Three Things I Think I Think—Myths That Never Die,” by Cullen Roche, pragcap.com, Oct. 5, 2021.“Government Bond Markets Aren't ‘Free' Markets,” by Cullen Roche, pragcap.com, Oct. 8, 2020.“What if It's all Going to Zero?” by Cullen Roche, pragcap.com, Nov. 9, 2021.“Why Stocks and Bonds Are the Core of any Portfolio,” by Cullen Roche, pragcap.com, March 16, 2021.Discipline Fund ETF“Introducing the Discipline Fund ETF,” by Cullen Roche, pragcap.com, Sept. 21, 2021.“John Bogle: How to Create Perfect Asset Allocation,” video interview, youtube.com, June 24, 2018.Discipline Fund ETF OverviewWesley Gray“What Is Discipline-Based Investing?” by Cullen Roche, pragcap.com, Jan. 1, 2019.Target-Date Funds“The Zoom Climb Glide Path & Why the Age in Bonds Rule Is Wrong,” by Cullen Roche, pragcap.com, Sept. 30, 2021. “The Portfolio Size Effect and Using a Bond Tent to Navigate the Retirement Danger Zone,” by Michael Kitces, kitces.com, Oct. 5, 2016.“Three Things I Think I Think—Dangerous & Terrible Stuff,” by Cullen Roche, pragcap.com, Sept. 29, 2021.
Joyce Franklin is the founder of JL Franklin Wealth Planning, an independent RIA based out of San Francisco that oversees $200 million of assets for 40 families. Joyce built a true boutique financial advisory firm by serving as a personal CFO for high-profile tech executives and positioning herself as a steward of their wealth. Listen in as we dive into how Joyce started out preparing tax returns during the tech bubble of the 1990s, as well as how she turned her tax prep side business into a boutique independent advisory firm. Joyce also shares how she has intentionally maintained a smaller client base that averages around 71 hours of work per client every year, how she became the go-to expert for entrepreneurs and executives building wealth in startups, and why she is now turning her sights to building her staff to create a future succession plan. For show notes and more visit: https://www.kitces.com/263
EP155. Ria is the queen of organization and on this episode she spoils us with all the tips and tricks to get your house feeling right and working for you and your family. She tells us how she went from speaking about organization at her Mommy and Me group to organizing Chrissy Teigen's pantry. Are your kids toys taking over? Ria to the rescue! Renee gets the tips on how to create a functional playroom and so much more! RENEE REINA Instagram: @themomroompodcast | @reneereina_ The Mom Room Shop TikTok: @reneereina_ Facebook Community RIA SAFFORD Instagram: @riorganize Website: RiOrganize SPONSORS Surely Wines. Visit www.hisurely.com and use code MOM to receive 20% off all Surely products Once Upon A Farm. Enjoy an additional 30% off your first subscription order! Use code MOM at OnceUponaFarmOrganics.com. Organifi. Go to www.organifi.com and use code momroom for 20% off your order. Learn more about your ad choices. Visit megaphone.fm/adchoices
The end of the year is an excellent time to review your overall investment portfolio and evaluate your existing asset allocation. Ross Cohen, CFP® shares important tips for investors who want a more financially stable future. Cohen is a Wealth Advisor at Bartlett Wealth Management, which is a Barron's Top 100 RIA.
Carol Ann Casebolt is a Wealth Advisor at Martin & Company Tax and Wealth Advisors based out of Valencia, CA. She joins the show today to share what led her into the financial planning field, as well as how her career has evolved since securing her first internship. Listen in as Carol Ann opens up about her career trajectory, from starting at a large investment company to moving to a broker dealer firm, then ultimately landing at a small, family-owned RIA. You'll learn how her experiences at those organizations helped to shape the ideal client experience she was striving to provide, what new planners can do to free up time for their senior planner, and what the industry can do to attract more women to the profession. You can find show notes and more information by clicking here: https://bit.ly/3HtTM4N
Starting your own IA is exciting, but some of the steps to get there can be challenging. In this Oyster Stew podcast, our experts discuss what motivates people to start their own RIA, what's involved from a high-level view, and some things we've seen that work and don't work.
Matt Sonnen is the Founder and CEO of PFI Advisors, an organization that helps RIA owners build the infrastructure and culture they need to grow their profit. Matt—who is celebrating 25 years in the wealth management industry in 2022—began his career in the industry as a Financial Analyst in Merrill Lynch. He then progressed to Luminous Capital, where he served as the Director of Operations, Chief Compliance Officer, and Chief Operating Officer. He also worked at Focus Financial Partners, where he was the Vice President for two years. In addition to his work as the CEO of PFI Advisors, Matt is also the creator of the digital consulting platform, COO Society, and host of the COO Roundtable Podcast. Matt joins us today to share his expertise on practice and operations management. He discusses his background and explains how eating at a sandwich shop in UCLA led him to the wealth management industry. He outlines the core operational issues financial advisors face and how Matt and his team at PFI help them. He also outlines the essential SOPs every financial advisor must have in their organizations and underscores the importance of segmenting your clients. “Markets go up and down. While we can't control that, we can always control our service.” - Matt Sonnen This week on The Model FA Podcast: Matt's background, sandwich of choice, and how he found himself landing a job in the wealth management industry Operational matters that financial advisors generally struggle with The value of creating a process and operations manual How the process of writing a manual helps you evaluate your company's operations Foundational business standard operating procedures that every RIA must have The anchoring effect and how to make a great client experience The role of the onboarding process in creating an impactful client experience Misconceptions on client segmentation and service offering Resources Mentioned: Book: Delivering Happiness: A Path to Profits, Passion, and Purpose by Tony Hsieh Book: The E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About It by Michael Gerber Our Favorite Quotes: “Solidifying from the start that clients will have an amazing experience with you makes it more likely that they'll be willing to talk about you with others.” - David DeCelle “Client segmentation is about service offering. You need to figure out what your ideal client is and how your firm is going to service them.” - Matt Sonnen “For an onboarding process to turn into an onboarding experience, go from making clients feel like they made a good decision to making them feel like they can talk about it to other people.” - David DeCelle Connect with Matt Sonnen: PFI Advisors Podcast: The COO Roundtable PFI Advisors on LinkedIn PFI Advisors on Twitter Matt Sonnen on LinkedIn Matt Sonnen on Twitter Email: firstname.lastname@example.org About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no “gotchas” or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.
We start the conclusion of our Movies and TV of 1991. This episode Ally, Andy, Jeff, and Ria discuss their top 3 series from the year 1991, now 30 years removed. Jeff starts us off with some awards and other tidbits from the year, and we start off with our lists. Tune in for part two in two weeks! Find us and our socials pages at bigdoorprize.com/podcastsPart of the Big Door Prize Podcast Network.
In episode 110 of The Just Checking In Podcast, we checked in with Ria Wolstenholme. Ria is a former journalist and the co-host of the 'No Worries If Not' podcast, a podcast for the 'anxiously ambitious'. In this episode we discuss her journalism journey, being chucked in at the deep end in her university degree and how that toughened her up and cemented her desire to pursue it as a career. We talk about dealing with rejection, access in journalism and the London-centric privilege that exists. We also talk about the podcast, how it allows her and Georgia to have conversations they might not otherwise have had and in bringing their WhatsApp group chat to life. For Ria's mental health, we discuss her experience of anxiety from an early age, her parents divorce, attachment issues and independence as an adult. We finish by talking about Ria's endometriosis, a hugely stigmatised health condition which affects women, specifically female fertility. As always, #itsokaytovent Listen to No Worries If Not here: https://anchor.fm/no-worries-if-not-podcast Follow the podcast on social media below: Instagram: https://www.instagram.com/noworriesifnot_podcast/?hl=en Follow Ria on social media below: Twitter: https://twitter.com/riawolstenholme Instagram: https://www.instagram.com/riawolstenholme/?hl=en Support Us: Patreon: www.patreon.com/venthelpuk GoFundMe: www.gofundme.com/f/help-vent-supp…ir-mental-health Music: @patawawa - Strange: www.youtube.com/watch?v=d70wfeJSEvk Buy your ticket to Just Checking In Live #3 here: https://helmtickets.com/events/7436/vents-just-checking-in-live-3-with-isla-rico-dj-pete-anderson TRIGGER WARNING: this podcast contains a brief discussion about suicide and suicidality, which some listeners may find distressing or upsetting, so please listen with caution.
Jenny Hood is a Financial Planner with St. Clair Financial based out of Roseville, CA. She stops by the show today to discuss not only how she first got started in financial planning, but also how she managed to find her first real financial planning position—and why she stayed in that role for over 11 years. Listen in as we discuss Jenny's experience with managing her career while also raising small children, why she first got involved with the Financial Planning Association, and some of the pros and cons of both large and small RIA firms. You'll learn some of the reasons why more women are not entering the financial planning profession and Jenny's tips for younger women who are just entering the industry. You can find show notes and more information by clicking here: https://bit.ly/3rLMqET
David Ortiz is the founder of Financial Chef, a unique independent RIA that operates as a lifestyle practice in Southern California. David has combined his experience as a classically trained chef to create an experience unlike any other for his clients: literally breaking bread with them as he provides financial advice. Listen in as we dive into David's journey through the advice business, from being a chef to working for a software company, and then from life insurance to ultimately opening his own independent RIA. We also discuss how he got started with his business model, why he decided to take it mobile, and how this unique services package has helped David deepen his relationship with his clients. For show notes and more visit: https://www.kitces.com/260
The post Ep. 121: Building a Better Mousetrap to Manage Goals with Franklin Templeton appeared first on and was written by Craig Iskowitz. “We've got a platform that we built along with Bambu and Apex Clearing that's called Tango that has full robo-advice capability. The difference between a traditional robo-advisor and Tango is that it's built using the GOE algorithm. So you may be an RIA firm that wants to expand, but needs the technology to scale that […] The post Ep. 121: Building a Better Mousetrap to Manage Goals with Franklin Templeton appeared first on and was written by Craig Iskowitz.
GC: 068: Interview with Mark RolstonYou've seen him in TNG, Enterprise, Star Trek Continues, as well as in The Shawshank Redemption, Aliens, and more movies that Ria hasn't seen. Join Amy, Joe, and Ria for a fascinating conversation with the one and only Mark Rolston, where we discuss wine, acting, Star Trek, and of course, Scotland.Join us in the Federation Council Chambers on Facebook.Find us on Twitter:The Network: @UFPEarthThe Show: @GalaxyClassPodAmy: @MissAmyNelsonJoe: @joeyjoe77ukKevin: @TrueNorthNerdsUnited Federation of Podcasts is brought to you by listeners like you. Special thanks to these patrons on Patreon whose generous contributions help produce the podcast! David WillettJustin OserTim CooperCasey PettittChrissie De Clerck-SzilagyiMahendran RadhakrishnanJim McMahonVictor GamboaVera BibleTom Van ScotterGreg MolumbyKevin ScharfAlexander GatesVanessa VaughanWilliam J. JacksonPeter HongLori KickingerJim StoffelTom ElliotThad HaitAnn MarieJoe MignoneJosh Brewington You can become a patron here: https://www.patreon.com/ufpearth
Gabrielle chats with Ria from Becoming Elemental, all about finding her path, her gifts and her beliefs. Get set for a real and honest chat. Connect with Ria INSTAGRAM Connect with Gabrielle: Website Instagram --- Send in a voice message: https://anchor.fm/gabrielle-bentley/message
Adding to its list of strategic acquisitions, Arkadios Capital recently bought Investment Architects, which manages about $1.25 billion. CEO David Y. Millican IV says one of the key factors in these decisions is identifying high-quality advisors. He expects that we will continue to see a lot more activity in the industry with interest rates so low.
Patricia Houlihan is the Founder of Houlihan Financial Resource Group, an independent RIA based out of Washington, DC, that oversees $345 million in AUM for 150 households. She joins the show today to share how she has successfully implemented an internal succession plan with her son and a second advisor that ensures continuity of services for clients over maximizing the value of the sale, as well as why having her name as part of the firm's name is not a hindrance in her plan. Listen in as she opens up about how she has built her succession plan to put clients first, including how she has ensured relationships between all of the firm's advisors and their clients so there is trust with more than just Patricia herself. You'll learn what it was like being a female financial advisor in the 1980s—when the industry was very much a “boy's club”—and what Patricia sees as the key to success for any financial advisor. For show notes and more visit: https://www.kitces.com/259
Cory Roberson is the Founder and Principal of FIN Compliance, a consortium of compliance, consulting, and business management solutions designed to help investment firms structure, maintain, and develop their internal regulatory programs. An established public speaker, Cory has delivered speeches in several engagements, including the FinTech Diaspora Forum and the ICO4Impact Virtual Summit. He is also a writer whose publications include the article, “Raising the Bar for Compliance: 10 Tips to Practice Management”—published in the Financial Planning Association's 2014 Newsletter—and the book, From Student to Entrepreneur: Making a Transition to Business. Cory joins us today to discuss how financial technology can ease the burden of compliance for RIAs and financial planners. He describes how he embraced tech in investment management as he built his compliance consulting business. He explains why financial planning organizations should consider collaborating with external compliance consultants — even if they already have an in-house compliance team. Cory also shares the key compliance points financial advisors need to understand when starting their own RIA. “Financial advisors experience friction with compliance the most, but there is an intersection between tech and compliance that can ease that friction.” - David DeCelle This week on The Model FA Podcast: Cory's background and his journey into the compliance consulting space How Cory built the client base for his first consulting business The importance of moving beyond the traditional business model and becoming a multi-dimensional financial planning business How tech can help financial advisors stay on top of compliance and policies Why financial advisors can't be completely reliant on tech for compliance FIN Compliance's services and how they support financial advisors with compliance and regulations The most innovative financial planning business ideas Cory has seen When a financial planning business should build an in-house compliance team Connecting business, faith, and the Bible Our Favorite Quotes: “Compliance is a bear in our industry that many financial advisors run away from.” - David DeCelle “Operations and compliance come hand in hand.” - Cory Roberson “Tech has a huge value and we have to embrace it. But you can't completely rely on it for everything.” - Cory Roberson Connect with Cory Roberson: FIN Compliance Book: From Student to Entrepreneur: Making a Transition to Business (Don't Play Around, Write It Down) FIN Compliance on LinkedIn FIN Compliance on Facebook FIN Compliance on Twitter Cory Roberson on LinkedIn About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no “gotchas” or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams. Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered. Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.
Please join Waystone and our colleague at Titan, a Waystone Group Company as they review what late stage venture capital funds should consider when registering with the SEC when becoming an RIA, how to prepare for SEC examinations and what operational considerations need to be taken into account.
Music On Your Own Terms 149 - Gemma - Music From The Stars Hailing from the Greek island of Crete, Gemma is an electronic, post-rock, band who mix various genres with Greek lyrics. I chat to Apostolis (percussion and lyrics), and Anastasis (bass) about their sound, songwriting, and what their music is all about. We also discuss how the band got in contact with my good friend Ria from One.Woman.Company for their PR, how writing in Greek is more of a challenge, and why music is a universal language that connects us all. Click here for the main show notes page! Gemma on Facebook - https://www.facebook.com/GemmaCrete/ Gemma on Instagram - https://www.instagram.com/gemma_band/ Gemma on Spotify - https://open.spotify.com/artist/3ZoA9oiI0JOrQj1xgup66j?si=9JYFkKk-Q02yGGI7MtQVWQ Topics discussed in this episode : Ria - One.Woman.Company | Jean-Michel Jarre | Bouzouki | Crete | Gemma Star (Corona Borealis) Make sure you check out the Support The Podcast Page to get deals on various items mentioned above! --- Support the podcast by buying me a coffee! Thank you! --- Please welcome our new sponsor Ignite Your Music Career! You may remember in episode 90, I chatted to internationally acclaimed musician and educator Craig Dodge, about sync licensing and his course Ignite Your Music Career. Ignite teaches you how to earn more royalties, up front sync fees, and recurring revenue from your music. Learn more or sign up today here! --- Check out the new merch in the store at store.musiconyourownterms.com, or click the link in the menu. --- This episode is also sponsored by The Skinny Armadillo Print Company Specializing in screen printing, embroidery, design, on demand digital printing, web stores, fulfillment and more. Visit https://theskinnyarmadillo.com/ or call 817 546 1430 --- Website - http://www.musiconyourownterms.com Facebook - https://www.facebook.com/MusicOnYourOwnTerms/ Instagram - https://www.instagram.com/musiconyourownterms/ Twitter - http://twitter.com/MusicOnYourOwn1
Life insurance is one of the core tools in wealth management. It replaces income for families, funds the payment of estate taxes, and, given its tax advantages, can serve as an investment vehicle. However, the culture of life insurance, its sales process and its regulatory framework live apart from the world of stocks and bonds. To that end, there is a new framework in New York that is changing the way life insurance is presented to clients: Rule 187. This rule and the law that surrounds it is in contrast to the way in which life insurance has been traditionally presented. It imposes a new "best interest" standard and recognizes the importance of an accurate demonstration of the COSTS of insurance to clients. And for the wealth advisers and fiduciaries out there, Rule 187's reach goes far beyond the borders of New York. Enter STEVEN ZEIGER Steven serves as a Managing Director of Wealth Management at KB FINANCIAL and is a recognized expert in applying prudent investor guidelines to life insurance product selection. He works with large clients and advises individual and corporate trustees on their responsibilities around life insurance. Steve will help us understand the practical application of Rule 187 and some of the potential future impacts on the business of life insurance nationwide. After this podcast, you should have a new appreciation for the way life insurance should be bought . . . and sold. (As a reminder, this podcast is for education purposes and not investment advice. Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer, Member FINRA/SIPC. KB Financial is independently owned and operated.) Outline: Fiduciary Responsibilities Around Life Insurance in NY- Steven's Background- How is life insurance used? Income Replacement, Estate Tax Funding, Business Succession, Investment Vehicle How do most people think the word "fiduciary" works with life insurance? How is it regulated nationwide? By state with guidance from NAICWhy is NY different? RULE 187 and the New "Best interest" standardWhat court cases should high end advisors keep in mind?Which advisers are affected? Trustees? NY Why are the costs important? And to whom? What is the important information in an insurance projection?What information is usually missing and why is that important for NY compliance purposes?The problem of co-mingling cost and performance metricsFrom a 30K ft. level, how does that impact the allocation of premium dollars for clients?*Either save premium on current DB, or by more DB/current premium- At what levels should this cost-based interaction be engaged? What does look like for the NY advisers? The advisor community in general? RIA's? The Life Insurance Industry? How do we stay in touch?(Contact info etc . . . ) STEVEN ZEIGER Useful articles around Life Insurance and RULE 187 Trust & Estates -A Shot Across the Bow - Veralytic Inc. - (Using independent research) DownloadDocumentFile.ashx (uniformlaws.org) - (Investigating Insurance Costs) FINRA: 2210. Communications with the Public | FINRA.org - (Don't compare illustrations side by side, disclose costs) NYSDFS Regulations - Insurance: Final Adoption of First Amendment to Insurance Regulation RULE 187 (11 NYCRR 224): Suitability and Best Interests in Life Insurance and Annuity Transactions (Care skill prudence diligence cost performance risk) CFP: standards-of-professional-conduct.pdf (cfp.net) (care skill prudence diligence cost performance risk) (Disclosure: Securities Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer, Member FINRA/SIPC. KB Financial is independently owned and operated.) https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/
In this conversation, we chat with Henry Yoshida – Co-Founder & Chief Executive Officer, Rocket Dollar. Prior to Rocket Dollar, Yoshida was the co-founder of Honest Dollar, a robo-advisor retirement platform that was acquired by Goldman Sachs, as well as a founder of MY Group LLC, a $2.5-billion assets under management investment firm. Henry shares his industry expertise as a speaker at several industry conferences, as well as having been featured or quoted in the Wall Street Journal, TechCrunch, Bloomberg Businessweek, and Financial Times. Henry has a passion for helping people be the best that they can be and contributes as a member in several financial and technology industry organizations. He graduated from The University of Texas at Austin and has an MBA from Cornell University. More specifically, we touch on Henry's career at BoA Merrill Lynch, his role at building a multi-billion dollar RIA business, how he started a digital retirement account platform called Honest Dollar which was sold to Goldman Sach's neobank Marcus, the inception of Rocket Dollar, we talk IRAs and 401ks and how important these are for the current Gen-Z market, and so so much more!
Episode 300 and the song "Strange Apples" In this episode we celebrate the 300th episode of Cider Chat and release a new cider song titled Strange Apples! This song is one part poking fun at ourselves as cidermakers and enthusiasts for all things cider. I began writing this song one night while sitting along on a sailboat in the Santa Cruz Harbor in Santa Cruz California in August of 2021. I was in town taking care of family (my mom) and had a couple hours to myself, so I squirreled away on my brother's boat with the intention to put to song a little ditty that was playing out in my head. I wore head phones so that I wouldn't be cranking the tune and waking the liveaboard sailors around me. Water is my muse, having grown up on a river bank and spent many a night singing with my cousin Jay and friends as we floated down the mighty river. In a few short days my cousin Jay and I, would go into the Santa Cruz Recording studio and do the final wrap to this new cider song titled Strange Apples. A holiday tree adorned with Lady Apples - yes they are real Letter given to Ria from Apples, The Nose and the Talking Pommes to celebrate the 300th episode Lyrics to Strange Apple Jay Straaange Apples Jay Bitter Sharp Guitar rift Jay Straaange Apples R&J Juicy Ripe Guitar rift Bomp bomp bomp ba da da de do dump Bomp bomp bomp ba da da de do dump Jay Who wants a tannin bomb? Ria I want a tannin bomb? Jay Who wants to pull them down? Ria I'm gonna pull them down. Ria Hay, Hay Hay Apples R&J Bitter Sweet Jay Straaange Apples R&J Hanging high Drop down Jay Got those Straaange Apples R&J Forget the pie Drop down Jay Straaange Apples R&J Squeeze them tight Jay Got them…. (R&J) Straaange Apples, Straaange Apples Yes they're Straaange Apples R&J Make them Pop! Rift Pop Pop Pop badada do do dop Pop Pop Pop badada do do dop Ria Who wants a tannin bomb? Jay I want a tannin bomb? Ria Who wants to pull them down? Jay I'm gonna pull them down. Jay Hay Hay Hay Apples R&J Come and see R&J Plenty strange apples R&J For you and me R&J Straaange Apples, Straaange Apples, Straaaaange Apples R&J Make them Pop! Pop Pop Pop badada do do dop Pop Pop Pop badada do do dop High Pop Pop Pop badada do do dop Pop Pop Pop - PopPopPopPop Ria & Jay Celebrating the recording of Strange Apples Looking back at Season 6 of Cider Chat 50 episode from #251 - 300 introduced cidermakers from Germany and throughout North America. Hear their voices and hello on this episode 300. For historical notes - let us never forget that Season 6 and 5 were completed during a world wide pandemic. Find all archived episodes for Season 6 and past season at https://ciderchat.com/podcast
Joe Pitzl is the founder of Pitzl Financial, an independent RIA based out of Minneapolis that oversees nearly $270 million in assets for 270 households. Joe had a unique next-generation career path into the financial advice business, and with only 10 years of experience under his belt, launched his own firm. Listen in as he shares how he navigated into the financial planning field despite his struggles in the traditional classroom setting, how he built a network of support to the point where he never struggled to land his next career opportunity, and how he scaled his firm to $250 million of AUM in just seven years with a team of five people. We also discuss how forming a study group with other advisors at a similar age and stage was foundational to Joe's career success, as well as how he navigated the challenge of finding himself out of a job at the same time that he was starting a family and buying a house. For show notes and more visit: https://www.kitces.com/258
Ally, Andy, Jeff, and Ria revisit their favorite movies from 1991, now 30 years removed. We start out with our top movie from '91 then round out the episode with some Do You Know it?! hosted by quizmaster Andy, and Ally finishes off with an Oscar worthy Then & Now! Find us including links to our social pages here. Fin our new 90's themed D&D podcast Dungeons and Decades here. --- Send in a voice message: https://anchor.fm/notablenostalgia/message
In this episode, Jake is joined by Rob Lemoine. Rob, Owner of Residential Inspector of America, knows how to grow a home inspection company of the highest caliber. Hear Rob's story, from how he started in the industry to where RIA is now with countless lessons along the way. Rob shares high-level insights to help any home inspector gain a better perspective on their business. As Jake picks Rob's brain, an episode packed full of incredible insight, experiences and concepts were born. Learn how to grow better faster with the information from someone who has done it in your industry! Leadership, mindset, collaboration, and management, this episode gives you a window into Rob's mind and how he has achieved rapid growth. You don't have to reinvent the wheel to propel your company to the next level; listen to this episode to learn the best places to find the information you need and the mindset that will get you to the top.
Beth Jones is the co-founder of Third Eye Associates, an independent RIA based out of the Hudson Valley of New York that oversees $125 million of assets under advisement for 200 households. Beth's firm is unique in that they go deep with clients into creating a personal vision statement that truly aligns their money with their values. Listen in as we dive into Beth's financial planning process, fee structure, and client deliverables that have been a cornerstone for building her expertise as an in-depth financial planner and have led to a waitlist of new clients. We also discuss some of the challenges that she faced as she was scaling up, why she made the decision to let go of 85 of her earliest clients that were actually costing her money, and how she navigated the transition of having her co-founder retire while she continued to run the firm and serve clients. For show notes and more visit: https://www.kitces.com/257
- Kunal and Ria are back in NJ for Thanksgiving- Kush's 14yr old cousin gives us some insight- Modi is actually repealing his farmer laws...... all this and much more on this week's episode!Follow us @mildmanneredtimid | @kalysay | @kushparm | @rianjalimusicEmail us @ email@example.com
In today's show, Pancham interviews Dr. Felecia Froe - real estate syndicator, founder of Money With Mission, licensed urological surgeon, and host of Money With Mission Podcast. Realizing that her mission is to change people's lives through investing and not through medicine, she stepped away from her practice and helped empower people to achieve financial freedom. She shows that she is more than just a simple investor as she advocates for better health and wealth by investing in residential assisted living facilities, and providing food through vertical farms and grocery stores! In this episode, she expounds how health is indeed wealth as she shares her journey in social impact investing and why it took 20 years to make that first step. She also unpacks her knowledge and insights about indoor farming, why she chooses to invest in it, and the positive domino effect of investing in asset classes that makes an impact so don't miss out on this episode! Listen and enjoy the show! Quote: “All these things that have come into my life made me realize that passive income is so necessary and I want to help people understand how to get it outside of their 401k or their RIA or whatever thing they have that's on Wall Street.” Timestamped Shownotes: 0:40 - Pancham introduces Dr. Felecia to the show 2:14 - On making a social impact and changing people's lives through investing 8:07 - How she dealt with negativity and stress from her career shift 10:19 - The 2 most important factors when looking for investments 12:46 - Indoor-controlled farming and its various perks to others 21:38 - How the COVID-19 pandemic helped her focus on bigger goals 23:08 - How her healthy routine helps her have a productive day 25:56 - Taking the Leap Round 25:56 - How her patient helped her through her first investment 27:04 - On having no fears when she first invests outside of Wall Street 27:41 - How her portfolio of properties didn't work out as expected 29:04 - Why investors should learn from someone who has experience 30:24 - Where you can get her report “5 Things to Know Before You Invest in Social Impact” 3 Key Points: Passive income is important as it can help you have income streams even if you need to halt your work for a while due to other reasons. Bringing agriculture closer to people such as indoor-controlled farming would help improve the supply chain and help the earth as well. There are a lot of ways wherein you can invest and create a positive effect on people's lives. It all just comes down to how you'll implement it. Get in Touch: Money With Mission Website - https://moneywithmission.com/ Money With Mission Podcast on Apple Podcasts - https://podcasts.apple.com/us/podcast/money-with-mission-podcast/id1524677523 Money With Mission Podcast on Libsyn - https://directory.libsyn.com/shows/view/id/moneywithmission Get your FREE copy of the report “5 Things to Know Before You Invest in Social Impact” at firstname.lastname@example.org The Gold Collar Investor Club - https://thegoldcollarinvestor.com/club/ Pancham Gupta Email - email@example.com Book: Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not! By Robert T. Kiyosaki - https://www.amazon.com/Rich-Dad-Poor-Teach-Middle/dp/1612680194
Susan welcomes Ria Ray, who is an artist, a creator, and a spiritual teacher. Her life took a defining turn when she was in her late twenties and a horrible accident took the life of her immediate family. Her need to make sense of this tragedy propelled her to look within and try to make sense of the world and understand the meaning of life. Walking through her grief, she found a determination to embrace life and love, which at the time seemed rather irrational. Ria is fully committed to continuing to push her own boundaries, past her internal limits, so she can feel and experience more of herself. Her drive strengthens her ability to serve the consciousness of humanity in the most expansive way possible and it is contagious to be uplifted by this energy. From workshops where she guides people to learn to be fearless and embrace uncertainty, she moves people to own the beacon that shines within, to bypass the judgment and pain on their road to discovery. Key Takeaways: Ria shares how a terrible tragedy changed her life and became a defining moment. You don't know how other people are going to react to death. Ria was sued by her own extended family. Ria met a powerful inner strength that she had no idea that she had. Ria talks about how grieving became a glue that brought together past trauma and her experiences in a dysfunctional family, and how she learned to see through all those layers to progress personally and emotionally. Ria talks about how she experienced survival guilt and kept on blaming herself for not being there. The tragedy awakened a missing part of Ria, and that missing part was her soul. Ria speaks about the first time her heart opened. Painting allowed Ria to free her soul. Ria found her purpose in giving, sharing, and helping, she didn't want anyone to feel as desperate and lonely as she did. Little steps are the only way to heal. Ria explains how she teaches other people to accept their vulnerability and connect to their souls. Ria found that she could be anything that she wanted. Resources Tendrilsofgrief.com Email Susan: firstname.lastname@example.org Meet Ria Ray: Learn more about Ria Ray
Ally, Andy, Jeff, and Ria revisit their favorite movies from 1991, now 30 years removed. Jeff starts us off with a review of the box office numbers and awards, as well as some other highlights of the year. Plus, Andy and Jeff reenact the scandalous Tampax-gate. We then finish the episode with our top 3 movies from the year! Stay tuned for part two, and then for our top 3 tv series of 1991! Find us including links to our social pages here. Fin our new 90's themed D&D podcast Dungeons and Decades here. --- Send in a voice message: https://anchor.fm/notablenostalgia/message
In the past 20 years, digital innovations have transformed the financial planning industry. Unfortunately, RIA firm owners have failed to keep up with changes that could make their businesses more efficient and able to scale faster. On this episode of the Elementality podcast, Reese Harper interviews technology expert Tim Welsh of Nexus Strategy. An industry veteran, Tim explains how understanding innovation is a key to being an effective advisor and owner.
Vincent Barbera is the founder of Newbridge Wealth Management, an independent RIA based out of Philadelphia that oversees nearly $120-million of assets under management for 75 households. Vince stays on the cutting edge of advisor technology by continuously experimenting with new tech tools and by setting a new strategic focus every year to identify and try out a new category of solutions. Listen in as Vince gives a rundown of the technology tools that he has tried this year to improve his client experience, where he finds the latest and greatest in tech to try out, and how he compares the cost of new tools against those he already uses. We also discuss how Vince uses technology in his independent firm to stay competitive without an asset manager's size and scale, and why he has decided not to scale up to the billion-dollar mark but rather slow down and enjoy the ride. For show notes and more visit: https://www.kitces.com/256
Four Star Wars fans discuss the 9-part anime anthology series set broadly around the Star Wars universe: Visions! JAC, Ria, Mike & Megan all have their own views on anime and on Star Wars; this episode brings forth a great many opinions & perspectives so be prepared! In a bit more detail, the group discuss their first impressions of the trailer & announcement of Visions before delving into the 9 episodes in release order; The Duel, Tatooine Rhapsody, The Twins, The Village Bride, The Ninth Jedi, TO-B1, The Elder, Lop & Ochô and Akakiri – themes, characters, comparisons, voice-acting, animation and all other aspects are discussed including how each episode could fit into the canon (to confirm, none are canon, but some *could* be), so strap-in for a look into the more experimental side of Star Wars content, and to answer the question; is this the SW content we're looking for? Ria's Twitter: @RiaCarrogan – https://Riasquestions.com - Find JAC's movie blog here: https://iamjacsmusings.wordpress.com - His Twitter handle: @IAmJACsMusings Ria's new show; Femme On Film currently has two episodes out with more to come and is found on the feed of Comics In Motion, along with the shows Ria & JAC do with Tony Farina: Pop Guerrillas, Indie Comics Spotlight and Seasons Greetings, found here: https://anchor.fm/comics-in-motion-podcast Find Megan on Instagram @GrittsGetsFit. Promo by Spider-Dan: https://spiderdanandthesecretbores.com/ For other Star Wars-centric episodes of GCC, check out 110 for author Claudia Gray, 121 for actor Dominic Pace (from The Mandalorian), 138 for Alex & Molly of Star Wars Explained and 143 for Star Wars comic artist Paolo Villanelli! Please subscribe to Mike's YouTube channel which has episodes of GCC & SWCIC, as once we get 100 subscribers, we can change the YouTube channel link: https://www.youtube.com/channel/UClQvgois9knDkFvjqcpoQtw In the last episode of GCC, number 144, Mike spoke with returning guest; author, publisher and friend of the show, Frank Burton! The pair discuss Frank's latest book; Getting Away With It, the process of recording an audiobook, the changes to his show; the Ragbag podcast, coming up with ideas, his plans for an audio sitcom, the 100th episode of Ragbag and more! Find Mike's other show; Star Wars: Comics In Canon on Spotify & the other podcast apps on the feed of Comics In Motion. Episodes are out every Saturday; episodes 0-78 are out now, in ep 78 Mike delves into the second volume of 2020 Star Wars Comics, in 77 Mike tackled the fourth full chapter of the War of The Bounty Hunters, and in ep 76 Mike tackled the horror stories Tales From Vader's Castle for Halloween! Previous episodes topics include Lando comics, the Journals of Old Ben Kenobi, Kanan Jarrus, Count Dooku, Kylo Ren, Darth Maul, numerous book reviews & more – https://spoti.fi/3sOtqCw Intro & Outro reads by BZ The Voice: http://www.bzthevoice.com/ Mike returned to Star Wars Timeline to talk about The Force Awakens here: https://youtu.be/c4VMXeBU3W4 The Last Jedi here: https://youtu.be/7dGEsdfSMkY and The Rise of Skywalker here: https://youtu.be/9fZWXji7_Jo Mike appeared on the Hall of Mears podcast, listen here: https://spoti.fi/3bxgXwS or watch the video version here: https://youtu.be/K5epyHW-TPs Mike was recently on the Beernuts Productions podcast, listen here: https://spoti.fi/3jpLjpD Mike along with 5 other members of Comics In Motion discussed Art Spiegelman's Maus in the 2nd CiM Book Club: https://bit.ly/BC2Maus Instagram – Twitter – Facebook – YouTube – Stitcher – Podbean – Spotify You can also email Mike at GenuineChitChat@outlook.com with any reviews, comments or suggestions.
Cody Garrett is the founder of Measure Twice Financial, an independent RIA based out of Houston which has managed to grow to nearly $150,000 per year in annualized financial planning fees in just over six months. Cody uses an “advice-only” financial planning model that has quickly attracted a waiting list of clients who want to do it themselves, but not necessarily learn it themselves. In this episode, Cody shares why he launched with the advice-only model, where clients don't have the option to have their investments managed by the firm, but do get personalized education that they can use to manage their own finances. Listen in to learn how this model has allowed Cody to build a practice that supports his own personal lifestyle and work no more than ten hours per week, as well as how he has generated a steady stream of clients and kept the business lean so he can take home more than 90% of his gross revenue after business expenses. For show notes and more visit: https://www.kitces.com/255
Ria is back for a Mall Draft with the guys. You get 1 mall store, 1 clothes store, 1 food court spot, 1 activity, and 1 miscellaneous. We get into how Ria cheated in her last appearance, Chief never experiencing one of the most popular stores in the mall, another Chief 1st round blunder, and more.