Podcasts about Ria

Samsung Galaxy S26 Ultra estrena pantalla antiespías y pone en aprietos a la inteligencia artificialPor Félix Riaño @LocutorCoSamsung presentó la nueva serie Galaxy S26 y, aunque la marca insiste en que estamos ante la era del “teléfono con IA”, la verdadera conversación no gira alrededor de asistentes virtuales. El foco está en una innovación de hardware que, por ahora, solo tiene el modelo más caro: una pantalla con privacidad integrada que oscurece el contenido cuando alguien intenta mirar desde un ángulo lateral.La familia está compuesta por Galaxy S26, S26 Plus y Galaxy S26 Ultra. A primera vista, el diseño cambia muy poco frente a la generación anterior. Pantallas AMOLED de hasta 120 hercios, resistencia al agua IP68 y cámaras de alta resolución siguen presentes. Pero hay diferencias que conviene analizar con calma, sobre todo si alguien está pensando en cambiar de teléfono este año.La función que realmente diferencia al UltraEl Galaxy S26 Ultra mantiene una pantalla de 6,9 pulgadas con resolución de 3.120 x 1.440 píxeles. Integra el procesador Snapdragon 8 Elite Gen 5 en varios mercados y promete mejoras de rendimiento cercanas al 19 % en CPU y 39 % en tareas de inteligencia artificial frente al modelo anterior.Sin embargo, el elemento que más llama la atención es el llamado “Privacy Display”. Se trata de una tecnología integrada en el panel OLED que limita el ángulo de visión. Cuando se activa, la pantalla se ve oscura o casi negra desde los lados, arriba o abajo. Solo quien está frente al dispositivo puede leer con claridad lo que aparece en pantalla.A diferencia de los protectores físicos de privacidad, que reducen el brillo todo el tiempo, esta solución puede activarse o desactivarse desde los ajustes rápidos. Además, se puede configurar para que funcione únicamente en aplicaciones específicas, en notificaciones o cuando el usuario introduce contraseñas.Según Samsung, el desarrollo de esta tecnología tomó cinco años. Para muchos analistas, es el rasgo que realmente diferencia al Ultra en una generación considerada continuista. A diferencia de los protectores físicos de privacidad, que reducen el brillo todo el tiempo, esta solución puede activarse o desactivarse desde los ajustes rápidos. Además, se puede configurar para que funcione únicamente en aplicaciones específicas, en notificaciones o cuando el usuario introduce contraseñas.Según Samsung, el desarrollo de esta tecnología tomó cinco años. Para muchos analistas, es el rasgo que realmente diferencia al Ultra en una generación considerada continuista.Mucha inteligencia artificial, pero ¿qué es realmente nuevo?Samsung centra buena parte de su discurso en la inteligencia artificial. La serie Galaxy S26 incluye herramientas como edición de fotos mediante texto, borrado de ruido en videos incluso en aplicaciones de terceros, organización automática de capturas de pantalla y filtros de llamadas con resúmenes generados por IA.También se refuerza el papel de Bixby, el asistente propio de la marca, que ahora puede entender órdenes más naturales para activar ajustes del sistema sin que el usuario conozca el nombre exacto de cada función.No obstante, muchas de estas mejoras dependen de software y de alianzas con servicios externos, como Gemini de Google o modelos de lenguaje de terceros. Esto abre la puerta a que algunas funciones puedan llegar a modelos anteriores mediante actualizaciones.En otras palabras, no todas las novedades están atadas al nuevo hardware.Precio al alza y almacenamiento base más altoEn Estados Unidos, el Galaxy S26 base arranca en 899,99 dólares, frente a los 799,99 dólares del modelo anterior. El S26 Plus sube a 1.099,99 dólares. El Galaxy S26 Ultra se mantiene en 1.299,99 dólares.En el Reino Unido también se registran aumentos. Samsung atribuye parte del incremento a la presión en el mercado global de memoria, impulsada por la demanda de centros de datos dedicados a inteligencia artificial.Una decisión relevante es la eliminación de la versión de 128 GB. Ahora el almacenamiento base parte de 256 GB en toda la serie. En el caso del Ultra, se ofrecen versiones de 256 GB, 512 GB y 1 TB.Cámaras y batería: ajustes más que revoluciónEl Galaxy S26 Ultra conserva el sensor principal de 200 megapíxeles, acompañado de lentes adicionales que permiten zoom óptico y grabación en 8K a 30 cuadros por segundo. Se anuncian mejoras en apertura y procesamiento para capturar más luz en escenas nocturnas.La batería del Ultra sigue siendo de 5.000 miliamperios hora. La marca promete llegar al 75 % de carga en aproximadamente 30 minutos con un cargador de 60 vatios. El modelo base aumenta su batería a 4.300 miliamperios hora, mientras el Plus se mantiene en 4.900.En comparación con el Galaxy S25, las mejoras en batería y cámara son graduales. No hay cambios drásticos en hardware, sino ajustes en eficiencia y procesamiento.¿Vale la pena cambiar?Para quienes tienen un Galaxy S25, el salto parece limitado. El rendimiento será algo mejor, la batería del modelo base crece ligeramente y la inteligencia artificial es más profunda, pero la experiencia general se mantiene muy cercana.En cambio, quienes usan modelos más antiguos podrían notar un cambio más amplio, especialmente si optan por el Ultra.La pantalla con privacidad integrada es, por ahora, la innovación más concreta y visible. En un mercado donde muchos avances se apoyan en software replicable, esta característica representa una diferencia difícil de copiar mediante una simple actualización.La pregunta final es sencilla: ¿la privacidad en pantalla justifica pagar por el modelo más costoso? Para quienes trabajan con información sensible en espacios públicos, puede ser un argumento sólido. Para otros usuarios, la decisión dependerá más del presupuesto que de la tecnología.BibliografíaCNEThttps://www.cnet.com/tech/mobile/this-one-killer-feature-sets-the-samsung-galaxy-s26-ultra-apart-from-all-other-phones/The Independenthttps://www.independent.co.uk/extras/indybest/gadgets-tech/phones-accessories/samsung-galaxy-s26-ultra-price-pre-order-b2927437.htmlMashablehttps://mashable.com/article/every-samsung-galaxy-unpacked-announcement-s26TechRadarhttps://www.techradar.com/phones/samsung-galaxy-phones/samsung-galaxy-s26-ultra-hands-on-impressionsEngadgethttps://www.engadget.com/mobile/smartphones/samsung-galaxy-s26-vs-galaxy-s25-whats-changed-and-which-one-should-you-buy-181515367.htmlForbeshttps://www.forbes.com/sites/jaymcgregor/2026/02/25/samsung-galaxy-s26-price-specs-features-camera-release-date/The Vergehttps://www.theverge.com/tech/884239/samsung-galaxy-s26-plus-price-specs-geminiWiredhttps://www.wired.com/story/samsung-galaxy-s26-series-galaxy-unpacked/Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

This episode of Cider Chat explores the growing Maine cider scene through Absolem Cider Company in Winthrop, a farm-based cidery helping shape New England's evolving cider identity. Located on a 60-acre farm in Winthrop, Maine, Absolem Cider Company is a cidery that expresses place, heritage apples, and hospitality. In this episode, Ria sits down with cider maker Zach Kaiser to explore how Absolem blends traditional inspiration with modern experimentation. From wild-foraged apples and native fermentations to wine-inspired co-ferments and Basque-style pours, Zach shares how Maine's apple history is shaping a new generation of New England cider. 00:00 Intro Cask Cider 00:06 Meet the Guest 01:27 How Cask Service Works 03:08 Why Absolem Uses It 04:07 Episode Roadmap 04:48 Ciderville News MOFGA Workshops 07:19 Listener Shoutout Chalkys Cider 08:29 Featured Chat Begins 09:23 Absolem Farm and Tasting Room 10:31 Where Winthrop Fits in Maine 12:42 Zachs Cider Origin Story 14:24 Founding Absolem Through COVID 16:34 Coferments and Wine Blends 18:13 Wend Wild Apple Cider 22:32 Fermentation Yeast and Malo 24:57 Beer Hybrids and Collabs 25:39 Flagship Ciders to Try 27:18 Sidra Style Foeder Program 28:40 Taproom Vibe and Winter Maine 29:21 Year Round Tasting Room 29:31 Local Bar Vibe 30:41 Lake Town Tourism 31:41 Cider As Experience 32:22 Ice Cider And Mistelle 32:47 Brandy Barrel Aging 34:36 Lodging And Visits 35:14 Signature Events Calendar 35:30 Bembel Fest Details 37:57 Anniversary And Collabs 39:30 Pressing And Production 41:36 Heating And Expansion 42:58 Five Year Vision 44:30 New England Cider Association 50:12 Wrap Up And Links Find the full show notes for this episode at CiderChat.com Episode 492: https://ciderchat.com/podcast/492-absolem-cider-company/ Listen to Episode 492 of Cider Chat® wherever you get your podcasts and don't forget to subscribe so you never miss what's coming next in Ciderville. Prefer to watch? Find Cider Chat on YouTube for more cider stories, orchard adventures, and global cider culture.

Dragón divino en órbitaAvión espacial chino Shenlong inicia cuarta misión secreta en órbita baja terrestrePor Félix Riaño @LocutorCoChina lanzó el avión espacial reutilizable Shenlong a órbita baja en su cuarta misión experimental.China volvió a activar uno de sus proyectos más reservados en el espacio. El 6 de febrero de 2026 despegó desde el Centro de Lanzamiento de Satélites de Jiuquan, en el desierto del Gobi, el avión espacial Shenlong, cuyo nombre significa “Dragón Divino”. Es su cuarta misión orbital. Las anteriores comenzaron en septiembre de 2020, mayo de 2023 y septiembre de 2024. Duraron dos días, 276 días y 266 días respectivamente.Esta vez, las autoridades confirmaron el lanzamiento, pero no explicaron qué experimentos realiza en órbita baja terrestre, es decir, a unos 350 kilómetros de altura. Esa distancia es similar a la de la Estación Espacial Internacional. Sabemos que Shenlong es reutilizable y que puede permanecer meses alrededor de la Tierra. Pero la gran pregunta es sencilla: ¿qué está haciendo realmente allá arriba?Avanza en silencio y genera preguntasShenlong viajó al espacio a bordo de un cohete Larga Marcha 2F. Este mismo tipo de cohete lanzó en 2011 el laboratorio Tiangong-1. El vehículo quedó en órbita baja terrestre y comenzó una misión cuyo tiempo total aún no ha sido revelado.En 2024, el observador austríaco Felix Schöfbänker captó imágenes del vehículo con un telescopio de 35 centímetros de diámetro. Las fotografías mostraban estructuras desplegadas que podrían ser paneles solares o antenas. Las estimaciones indican que Shenlong mide cerca de 10 metros de largo. Es un tamaño parecido al del avión espacial estadounidense X-37B, que mide 8,8 metros.Según explicó Space.com, el gobierno chino define la misión como una prueba de tecnologías reutilizables para facilitar viajes espaciales de ida y vuelta más económicos en el futuro.El punto que genera debate es otro. En sus tres misiones anteriores, Shenlong liberó uno o más objetos en órbita. Esto no se supo por comunicados oficiales, sino por el seguimiento del ejército de Estados Unidos, empresas privadas de vigilancia espacial y astrónomos aficionados.Algunos de esos objetos demostraron capacidad de transmisión. Otros mostraron propulsión independiente. Además, Shenlong realizó maniobras de acercamiento y acoplamiento con esos objetos. Estas acciones se conocen como operaciones de encuentro y proximidad, o RPO.Las RPO permiten acercarse a un satélite para inspeccionarlo, repararlo o retirarlo. También podrían utilizarse para interferir con equipos de otros países. Esa doble posibilidad genera inquietud.De acuerdo con la fundación Secure World Foundation, citada por Economic Times, este tipo de maniobras tiene aplicaciones civiles y estratégicas. El problema es que la falta de información alimenta sospechas.Por ahora, no hay evidencia pública de que Shenlong esté diseñado como arma directa. Su tamaño limita la carga útil. Su bahía interna es reducida, similar al espacio de carga de una camioneta. Además, cuando reingresa a la atmósfera lo hace planeando a unos 321 kilómetros por hora. Esa velocidad es muy inferior a la de un proyectil balístico.Expertos consideran más probable que China esté probando sistemas autónomos, gestión térmica para misiones largas, generación de energía en órbita y técnicas avanzadas de encuentro con satélites.El contexto global también influye. Estados Unidos mantiene activo su propio avión espacial, el X-37B, que ya acumula ocho misiones desde 2010. Ambos programas comparten discreción.Según explicó PrimeTimer, la competencia tecnológica en órbita es cada vez más intensa. Las capacidades de permanecer meses en el espacio y maniobrar con precisión se han convertido en habilidades muy valoradas.Más transparencia podría reducir tensiones. Cuando un país no explica sus objetivos, otros imaginan escenarios extremos.El concepto de avión espacial reutilizable busca reducir costos frente a los antiguos transbordadores espaciales, que requerían enormes equipos y presupuestos. Hoy los vehículos son más pequeños, automáticos y diseñados para múltiples vuelos.Shenlong ya demostró permanencias superiores a ocho meses. Eso implica avances en protección térmica, administración de energía y resistencia de materiales.Las operaciones RPO también están siendo desarrolladas por otras potencias. Con miles de satélites en órbita baja, la capacidad de maniobrar con precisión ayuda a evitar colisiones y gestionar basura espacial.Al mismo tiempo, el espacio se ha convertido en un escenario de competencia estratégica. China avanza en su programa lunar con planes de llevar astronautas antes de 2030. Estados Unidos impulsa el programa Artemis. En ese contexto, cada avance tecnológico es observado con atención.El reto será establecer reglas internacionales que mantengan el uso del espacio como un entorno seguro y estable.China lanzó el avión espacial Shenlong en su cuarta misión. Sabemos que prueba tecnología reutilizable y maniobras avanzadas en órbita. Lo que no sabemos es el detalle de sus experimentos. ¿Te genera tranquilidad o inquietud este nivel de reserva? Cuéntame en comentarios y sigue el pódcast en Spotify: Flash Diario

This week, David Lau talks with Brian Saunders, Managing Director and Head of Private Equity at Atlas Merchant Capital, about how private equity investors are adopting innovation across financial services and why infrastructure, technology, and better client outcomes are driving the next wave of growth. They also discuss the evolving RIA landscape, the shift toward holistic advice, and how technology is reshaping everything from insurance and retirement planning to crypto and digital assets. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

What does it really take to grow an advisory firm without losing control of culture or client experience? Growth can look attractive from the outside, but building something sustainable requires discipline, structure and long-term thinking. In this episode of the RIA Edge Podcast, host David Armstrong interviews JC Abusaid, president and CEO of Halbert Hargrove, about building a $4.2 billion RIA through disciplined organic growth. He shares how centralized operations, a well-structured internship pipeline and flexible minimums fuel sustainable expansion. JC also explains his employee-ownership model, his perspective on private equity pressure and how AI and technology investments are shaping the firm's next phase. Key takeaways: Why centralized operations create scale, consistency and firm-wide efficiency How lowering minimums for younger advisors drives long-term client growth Building a structured internship program that becomes a hiring pipeline Managing teams without advisor-led management to protect culture Using AI and technology as productivity accelerators, not cost controls Resources: Listen to the RIA Edge Podcast on Wealth Management Listen and Subscribe to the RIA Edge Podcast on Apple Podcasts Listen and Subscribe to the RIA Edge Podcast on Spotify Connect With David Armstrong: Wealth Management LinkedIn: Wealth Management LinkedIn: David Armstrong Twitter: David Armstrong LinkedIn: Informa Connect With JC Abusaid: LinkedIn: JC Abusaid LinkedIn: Halbert Hargrove Website: Halbert Hargrove About Our Guest: JC Abusaid is the CEO and President of Halbert Hargrove, a wealth advisory firm founded in 1989. JC earned his Bachelor of Science in Business Administration with a Finance emphasis from the Colegio de Estudios Superiores de Administracion in Bogota, Colombia, and his MBA from the University of Redlands School of Business. He was awarded the ACCREDITED INVESTMENT FIDUCIARY designation by the University of Pittsburgh-affiliated Center for Fiduciary Studies. In 2016, JC earned a LEAD Certificate in Corporate Innovation from Stanford Graduate School of Business, and in 2021, he took part in BlackRock's first Emerging Leader Lab.

Het is de zomer van 2017. Vier jaar nadat Hans de diagnose Alzheimer heeft gekregen. Ria en Hans fietsen met een groep vrienden door Spanje. Ze fietsen over bergen en genieten. Maar dan gaat het mis. Niet met Hans, maar met Ria. Ze kan de zorg voor Hans niet meer aan en realiseert zich dat haar relatie met Hans nooit meer hetzelfde zal zijn. Want wat blijft er over van een relatie als je geliefde aftakelt?Presentatie: Enzo van SteenbergenProcuctie: Nina van Hattum & Mirjam van ZuidamMontage: Jan Paul de Bondt & Nina van HattumZie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Una directora de alineación en Meta conectó un agente de inteligencia artificial a su correo. El sistema empezó a borrar mensajes sin permiso y ella tuvo que correr físicamente a su computador para detenerlo.Por Félix Riaño @LocutorCoAgente OpenClaw casi elimina correos de directora de seguridad en Meta por error humanoLa escena parece de película, pero pasó en la vida real. Summer Yue, directora de seguridad y alineación de inteligencia artificial en Meta, conectó a su bandeja de Gmail un agente autónomo llamado OpenClaw. Su idea era simple: que el sistema revisara su correo, sugiriera qué archivar y esperara confirmación antes de borrar nada.Lo que ocurrió fue distinto. El agente empezó a eliminar mensajes sin pedir autorización. Desde su teléfono, Yue intentó detenerlo escribiendo “no hagas eso” y “STOP OPENCLAW”. No funcionó. Según contó en la red social X, tuvo que correr hasta su Mac mini “como si estuviera desactivando una bomba” para matar los procesos manualmente. ¿Cómo puede pasar algo así justo a alguien que trabaja en que la IA sea segura?Pero la experta también fallóUna lección incómoda sobre confianza tecnológica.Summer Yue trabaja en el laboratorio de “superinteligencia” de Meta. Su rol es estudiar cómo lograr que los sistemas de inteligencia artificial sigan instrucciones humanas y no actúen en contra de nuestros intereses.El agente que utilizó, OpenClaw, es un proyecto de código abierto creado por Peter Steinberger. Es popular porque puede operar 24 horas al día, conectarse a servicios reales y ejecutar tareas sin intervención constante. A diferencia de otros asistentes, no necesita una aprobación manual en cada paso. Eso lo hace atractivo para quienes quieren automatizar tareas repetitivas.Yue ya lo había probado en una bandeja de prueba, con correos poco relevantes. Allí había funcionado bien durante semanas. Ganó confianza. Entonces decidió conectarlo a su bandeja principal, mucho más grande y con información importante. Le indicó que revisara y sugiriera, pero que no actuara sin confirmación. El problema ocurrió cuando el sistema realizó un proceso de “compactación” interna para manejar la gran cantidad de datos. Durante ese proceso, el agente perdió la instrucción original y comenzó a borrar mensajes más antiguos que el 15 de febrero que no estuvieran en una lista de conservación.Este caso abrió varias preguntas. La primera es técnica: ¿cómo un sistema puede ignorar una instrucción explícita como “confirma antes de actuar”? Según explicó Yue, el agente perdió el contexto inicial durante la reorganización de datos. Eso muestra una limitación conocida en modelos de lenguaje: cuando manejan grandes volúmenes de información, pueden resumir o descartar partes del contexto. Si la orden crítica se pierde, el sistema actúa según reglas incompletas.La segunda pregunta es de seguridad. OpenClaw funciona con permisos amplios, incluso acceso de nivel administrador. Eso significa que puede leer, borrar o modificar archivos y cuentas conectadas. El investigador Gary Marcus comparó esta práctica con darle todas tus contraseñas a alguien desconocido que promete ayudarte. Es una metáfora fuerte, pero ayuda a entender el riesgo.Además, no es un caso aislado. Según Bloomberg, otro ingeniero permitió que OpenClaw accediera a su iMessage. El agente terminó enviando más de 500 mensajes no solicitados a contactos al azar. Cuando un sistema autónomo tiene acceso directo a servicios reales, cualquier error escala rápido. Y si la persona no puede detenerlo desde el móvil, el control humano queda en desventaja frente a la velocidad de la máquina.Después de detener el proceso desde su Mac mini, Yue publicó capturas de pantalla donde el agente reconocía que había “violado” la instrucción y pedía disculpas. Ella misma calificó lo ocurrido como un “rookie mistake”, un error de principiante. Admitió que se confió porque el flujo había funcionado bien en su bandeja de prueba.El creador de OpenClaw ha dicho en entrevistas que está priorizando reforzar las salvaguardas de seguridad antes de añadir funciones de facilidad de uso. Eso significa más controles, más confirmaciones y límites de acceso. También recordó que el proyecto todavía está en etapa temprana y no debe tratarse como una herramienta totalmente confiable.Incluso figuras como Elon Musk comentaron en X que dar acceso total a estos agentes es como entregar las llaves de toda tu vida digital. Más allá de la ironía, el punto central es que los sistemas autónomos necesitan barreras técnicas y hábitos responsables por parte de los usuarios.Este episodio no muestra que la inteligencia artificial sea malvada. Muestra que la automatización sin supervisión puede generar consecuencias rápidas. La alineación no es un interruptor que se enciende y listo. Es un proceso continuo de pruebas, errores y mejoras.OpenClaw se volvió tendencia en Silicon Valley porque promete automatizar tareas complejas: organizar correos, enviar mensajes, ejecutar scripts y manejar aplicaciones completas. Funciona como un agente que interpreta instrucciones en lenguaje natural y luego actúa directamente en el sistema operativo.El concepto de “alineación” en inteligencia artificial significa que el sistema debe comportarse de acuerdo con valores y objetivos humanos. En empresas como Meta, OpenAI o Google, hay equipos dedicados a investigar cómo evitar que modelos avanzados generen respuestas dañinas o ejecuten acciones indebidas. Yue llegó a Meta después de acuerdos estratégicos en el sector de datos y modelos avanzados, y su papel está precisamente en estudiar estos riesgos.Curiosamente, al mismo tiempo surgieron reportes de usuarios de Gemini que perdieron historiales de chat tras actualizaciones del sistema. Google calificó esos casos como fallos técnicos y anunció restauraciones. Aunque son situaciones distintas, ambos casos recuerdan algo básico: los datos digitales dependen de sistemas complejos que pueden fallar.Para cualquier persona que use herramientas automáticas, la recomendación técnica es clara: probar primero en entornos controlados, limitar permisos, mantener copias de seguridad y entender qué nivel de acceso se está otorgando. Un agente autónomo puede trabajar rápido, pero también puede equivocarse rápido.Un agente de inteligencia artificial borró correos de la directora de seguridad de Meta tras perder una instrucción. Ella logró detenerlo a tiempo. La historia deja una enseñanza: automatiza con cuidado y nunca entregues acceso total sin respaldo. ¿Tú confiarías tu correo a un agente autónomo? Cuéntamelo y sigue el pódcast en Spotify:Flash Diario

Op 65-jarige leeftijd krijgt de vrolijke verwarmingsmonteur Hans Goebertus de diagnose alzheimer. Hans en zijn vrouw Ria vertellen dat Hans al snel van alles niet meer kan, dochter Loes praat over het moment dat ze hoorde dat haar vader ziek was. Met Hans gaan we naar zijn zangkoor, waar hij zijn favoriete nummer zingt: The Wild Rover. Presentatie: Enzo van SteenbergenProductie: Nina van Hattum & Mirjam van ZuidamMontage: Jan Paul de Bondt & Nina van HattumZie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Hans en Ria hebben een besluit genomen over zijn toekomst. Ze vertellen erover aan de keukentafel. Ria kijkt ernaar uit om meer vrijheid te hebben. Hans geeft een afscheidsconcert met zijn zangkoor. Ploeterend, geholpen door zijn zangvrienden, zingt hij nog één keer zijn lievelingsnummer.Presentatie: Enzo van SteenbergenProductie: Nina van Hattum & Mirjam van ZuidamMontage: Jan Paul de Bondt & Nina van HattumZie het privacybeleid op https://art19.com/privacy en de privacyverklaring van Californië op https://art19.com/privacy#do-not-sell-my-info.

Building a Financial Advisory Firm That Puts Clients First: An Inside Look at the Process Meta Description: Discover why Tom Dupree founded Dupree Financial Group in Lexington, Kentucky—focusing on personalized investment management, team accountability, and retirement planning for local clients. For pre-retirees and retirees in Kentucky searching for personalized investment management, understanding the “why” behind your financial advisor matters just as much as the “how.” In this special episode of The Financial Hour of The Tom Dupree Show, Tom Dupree Jr. and Mike Johnson share the founding story of Dupree Financial Group—a journey that began with a simple walk in the woods near Natural Bridge in Kentucky in February 2002 and evolved into a comprehensive wealth management approach designed specifically for Lexington-area retirement investors. The Origin Story: From Brokerage Dissatisfaction to Independent Registered Investment Advisor Tom Dupree recalls the pivotal moment that sparked the creation of Dupree Financial Group. Walking through the woods with his young son James on his shoulders, he realized the traditional brokerage firm model wasn’t aligned with the future he envisioned for his family and clients. “I got this joy, this excitement in my heart thinking about doing this,” Tom explains. “I was in no position to do it at all. I didn’t have any money. Strangely, my banker approved me for a loan to actually go get the office space and get it fitted up. And that fit-up is still the same fit-up we’re using. We have not changed it.” The firm officially opened in 2003, but Tom identifies 2010 as the true beginning of Dupree Financial Group as it exists today. That’s when the firm disassociated from an outside brokerage and became an independent Registered Investment Advisor (RIA). “In 2010, we disassociated ourselves with an outside brokerage firm and became what’s called an RIA, a Registered Investment Advisor, which meant that now we’re not paying 25% of our revenues to an outside firm,” Tom shares. “That enabled us to do a lot more internally, and it really was the beginning of the firm that we know today.” Key Takeaways: Why Dupree Financial Group Started Client-focused mission: Created to serve average retirement investors who wouldn’t necessarily get attention from major brokerage firms Cost structure advantage: Lower overhead means smaller accounts receive meaningful attention and personalized service Local accountability: Designed specifically to respond to clients in Lexington, Kentucky, and the surrounding region Team approach: Built from the ground up to provide collaborative service rather than single-broker relationships Independence: Becoming an RIA in 2010 eliminated the pressure to use proprietary products and allowed true fiduciary responsibility Personalized Investment Management vs. Mass-Market Approaches One of the core distinctions Tom emphasizes is the difference between Dupree Financial Group’s model and the mass-market approach taken by larger national firms. Rather than assigning clients to investment counselors within a large hierarchy, Dupree Financial Group provides direct access to portfolio managers who actually research and select the investments. “When you’re talking to somebody, to one of us, the team that you’re talking to is also the team that is designing your investment portfolio, actually helping pick stocks and bonds to own in the portfolio,” Tom explains. “Now why is that a big deal? Well, when I was with Brand X, they had a guy in New York who was brilliant, and he really was brilliant, and he was a stock picker. You didn’t ever talk to him, but he would publish a list of things that you ought to buy.” That approach failed catastrophically during the 2001-2002 market downturn, when many clients saw portfolios decline 50% with little communication or accountability from their advisors. “It wasn’t so much the fact that everything went down, although that was a big part of it, but it was the lack of communication,” Tom notes. “It was not being willing to be accountable for what really had happened, and they just clammed up.” The Dupree Difference: Direct Access and Transparency Mike Johnson highlights several critical advantages of the Dupree Financial Group model: Team collaboration: Multiple professionals work together on research and portfolio management, producing better outcomes than single-advisor approaches Direct communication: Clients speak directly with the team members who make investment decisions Own investment selection: The firm conducts its own research and calls companies directly rather than relying on buy lists from headquarters Local presence: All revenues stay local and are reinvested in client services rather than flowing to Wall Street firms “The service team is way more aligned with the investment team,” Mike explains. “It’s not two separate functions sitting in the same room.” Investment Philosophy: Focus on Income and Risk Mitigation for Kentucky Retirement Planning Unlike money managers competing to beat specific indices, Dupree Financial Group takes a different approach focused specifically on retirement investors’ needs. This investment philosophy prioritizes income generation and risk mitigation over performance rankings. “We’re not trying to beat any index. We’re just investing in things that we see are good that we think meet our parameters for what we’re looking for,” Tom states. “The why is it’s a focus on risk mitigation, and it’s a focus on income. Those things actually make it pretty easy for us once we tie down the parameters of what we’re looking for.” Mike Johnson references a quote from investment manager Howard Marks that encapsulates a key industry problem: “If you want to be in the top 5% of money managers, you have to be willing to be in the bottom 5% too.” That statement, Mike explains, highlights the perverse incentives created when advisors chase index performance rather than focusing on actual client needs. Real Portfolio Examples: How the Strategy Works The team shares several examples of their investment approach in action: The 6.5% Dividend Stock: “We bought it in June. This company, our listeners would be familiar with. At the time, it had a six-and-a-half percent dividend yield, and the valuation was attractive when you look at the hard assets that they had. We felt some things could go right for the company over the next couple of years. And in the meantime, the stock had gone down significantly, so there was a lot of bad news priced in already. Since then, the stock has gone up to what we thought it would go up to over the next two to four years. It just did it in four months.” The Grocery Company: “We invested in a company the other day—it was a grocery company well known within Central Kentucky. It’s gotten cheap. We just knew it as being a household name that pays a small dividend.” The Clothing Brand: “It’s kind of a clothing company, well-known. It puts out some major, well-known brands. The thing’s gone from a hundred dollars to 30-something, so we decided to take a look there. That one pays a pretty good dividend.” These examples demonstrate the value-focused, income-oriented approach that differentiates Dupree Financial Group from index-chasing strategies. The Team Approach: Building Long-Term Relationships Over Transactions A fundamental principle at Dupree Financial Group is the shift from transactional relationships to ongoing partnerships. Tom explains how his years at major brokerage firms taught him what he didn’t want to replicate. “One thing that I learned in the big firms was that it’s always about the transaction. It’s about the trade,” Tom recalls. “You were constantly having to pursue that trade, do this trade with this client, do that trade with that client. I didn’t want it to be about the trade anymore. I wanted it to be about the relationship.” This philosophy manifests in several concrete ways: Regular review process: Unlike transactional brokerage relationships, Dupree Financial Group built systematic client reviews into the firm’s DNA from the beginning No pressure to sell: Because clients have already committed to the process, meetings focus on education and information rather than sales Team accountability: Multiple team members take responsibility for each client rather than the single-broker model Transparent communication: When investments don’t work out, the team explains why openly rather than avoiding difficult conversations “When our clients come in for a review or they call with a question, they know we’re not trying to sell them anything,” Mike emphasizes. “It’s informational. It’s actually something they can use.” Direct Company Research: An Uncommon Practice One aspect of Dupree Financial Group’s approach that sets them apart is their practice of directly contacting companies they invest in—something Tom notes is rare among medium and small-sized investment advisors. “We do calls with these companies. In some cases, we’ve gone to visit them—the actual company itself that we’re investing in,” Tom explains. “That would’ve been unheard of in our previous setup. A big part of what we do is talk to the clients—I say clients, the businesses that we invest in. We talk to them, we want to find out what they’re doing, learn a little bit about management and do the best we can to really do our due diligence.” This hands-on research approach provides insights that buy lists and analyst reports simply cannot match. Four Generations of Financial Service: The Dupree Family Legacy The commitment to serving clients runs deep in the Dupree family history. Tom shares how his grandfather entered the investment business around 1920 in Louisville, Kentucky, selling preferred stock for Louisville Gas and Electric directly to the public before moving into municipal bonds. “My grandfather was the first one of our line that was in the investment business,” Tom explains. “Then my dad got into the business after being in the navy, I think it was around 1955 in Harlan, Kentucky. Then me and now my two sons are in the business.” Tom’s father moved the family to Lexington in 1963 and founded Dupree and Company, which managed municipal bond issues and eventually started the Kentucky Tax Free Mutual Fund in 1979. “Their idea was always to make a thing for clients that the clients could use, that was a retail thing,” Tom notes. “And so I carried that concern for the clients into what I did when we started Dupree Financial Group.” This multi-generational focus on creating client-centered investment solutions forms the foundation of the firm’s culture today. Tom’s sons, Clark and James, are involved with Dupree Financial Group, making the fourth generation of Duprees in the investment business. The Evolution: Early Struggles to Established Success Tom is refreshingly transparent about the challenges of the firm’s early years. After opening in 2003, success didn’t come easily or quickly. “It certainly was frightening during those early days of opening the firm and wondering if anybody would ever show up,” Tom recalls. “We did all these seminars, lots of them, over a hundred. People would show up, and now and then we’d get a client out of it. It took a lot of work.” The firm began regular radio broadcasts around 2008, which helped build awareness and credibility in the Lexington community. But the real transformation came in 2010 with the transition to RIA status. “When we became an RIA, it opened up possibilities for investment options that we didn’t have before,” Mike reflects. “It got the pressure of the heavy hand off to use proprietary products. That hand was always on you. And so that was lifted. It was like the skies opened up that you had this flexibility now.” Mike adds a crucial point about this transition: “At the same time, that was a sobering feeling. Now it was on you. You can’t blame it on anybody. But from our client’s standpoint, that was something that was a positive because the accountability increased for the firm.” Client Retention: The Ultimate Validation Perhaps the strongest validation of Dupree Financial Group’s approach is client retention. Tom notes that the firm keeps clients longer and longer—a testament to the relationship-building model. “We seem to be keeping clients longer and longer, so evidently we did something right,” Tom observes. “Once we got the buggy built, we really haven’t fooled with it much. We’ve tried to do some tweaks here and there, but the basic chassis has served us pretty well.” Why the “Why” Matters for Kentucky Retirement Investors For pre-retirees and retirees evaluating financial advisors, understanding the “why” behind a firm’s approach provides crucial insight into what kind of service you’ll receive. Dupree Financial Group’s founding principles remain consistent today: Serve retirement investors who might not get attention from large brokerage firms Maintain local presence and accountability in Lexington, Kentucky Provide team-based service rather than single-advisor relationships Focus on income and risk mitigation rather than index performance Conduct independent research and select individual investments Build long-term relationships rather than pursuing transactions Communicate transparently about both successes and setbacks As Tom reflects: “It really wasn’t about the investment performance. It’s about the touch, it’s about the accountability, those sorts of things. And that’s the kind of thing we’ve set up. That was what I envisioned when I started this thing—that we would give the clients more of what they should have been getting at the Wall Street firms.” Ready to Experience the Dupree Financial Group Difference? If you’re approaching retirement or already in retirement and want a local financial advisor who prioritizes transparency, accountability, and personalized service, Dupree Financial Group invites you to experience the difference that a client-first approach makes. Schedule your complimentary portfolio review today: Call: (859) 233-0400 Visit: www.dupreefinancial.com Get Personalized Analysis: Request your portfolio consultation Don’t settle for mass-market investment approaches or impersonal service from distant Wall Street firms. Work with a team of Kentucky financial advisors who do their own research, communicate directly with you, and keep your retirement goals at the center of every decision. Explore more insights on Kentucky retirement planning strategies and listen to additional episodes in our Market Commentary archive. Frequently Asked Questions About Dupree Financial Group What makes Dupree Financial Group different from large brokerage firms? Dupree Financial Group operates as an independent Registered Investment Advisor (RIA), meaning the firm doesn’t pay commissions to Wall Street parent companies and doesn’t face pressure to use proprietary products. The team that meets with clients is the same team that researches and selects investments, providing direct accountability and transparency. All revenues stay local and reinvest in client services rather than flowing to distant corporate headquarters. Why did Tom Dupree start his own financial advisory firm? Tom founded Dupree Financial Group in 2003 after 19 years with a major brokerage firm, where he witnessed the limitations of the transactional, sales-focused model. He envisioned creating a firm that would serve average retirement investors with personalized attention, team-based accountability, and a focus on long-term relationships rather than individual trades. The firm became truly independent in 2010 when it transitioned to RIA status. What is the investment philosophy at Dupree Financial Group? Unlike money managers competing to beat specific indices, Dupree Financial Group focuses on income generation and risk mitigation for retirement investors. The team conducts its own research, including direct calls to companies they invest in, and selects individual stocks and bonds based on dividend yield, valuation, and margin of safety rather than trying to match or beat market benchmarks. How does the team approach at Dupree Financial Group benefit clients? The team model means clients receive the collective expertise of multiple professionals rather than relying on a single advisor’s perspective. Multiple team members share responsibility for each client account, improving service levels and ensuring continuity. This collaborative approach produces better research outcomes and provides clients with consistent access to knowledgeable professionals. What types of clients does Dupree Financial Group serve? Dupree Financial Group specializes in serving pre-retirees and retirees, particularly those who might not receive personalized attention from large brokerage firms. The firm’s cost structure allows them to provide meaningful, customized service to clients with retirement accounts of various sizes, with a focus on the Lexington, Kentucky area and surrounding regions. How often does Dupree Financial Group communicate with clients? Regular client reviews are built into the firm’s DNA from the beginning. Unlike transactional brokerage relationships where communication happens only when making trades, Dupree Financial Group maintains ongoing dialogue with clients through systematic review processes. These meetings focus on education and information rather than sales, since clients have already committed to the firm’s investment process. Does Dupree Financial Group charge fees or commissions? As a fee-based Registered Investment Advisor, Dupree Financial Group operates under a fiduciary standard, meaning it’s legally required to act in clients’ best interests. This fee-based structure eliminates conflicts of interest inherent in commission-based brokerage relationships and aligns the firm’s success with client outcomes. Disclaimer: This content is for informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Please consult with a qualified financial professional regarding your specific situation. The post Why Independent Financial Advisors Choose Income Over Index Performance for Retirement Portfolios appeared first on Dupree Financial.

Delivered by Ria from the Parish of Good Shepherd in the Diocese of Surabaya, Indonesia. Isaiah 55: 10-11; Rs psalm 34: 4-5.6-7.16-17.18-19; Matthew 6: 7-15.ABUNDANT FRUITS FROMTHE WORD OF GOD  The title for ourmeditation today is: Abundant Fruits from the Word of God. God's work to savemankind from sins culminates in the presence of the Son of God becoming man in Jesus Christ. This divine work is a majortheme to be pondered in the heart of every believer, and especially to be moreeffective during Lent. This is to strengthenour faith in the events of Jesus Christ that we celebrate during the Holy Week.We who celebrate Easter, preparing ourselves during Lent, experience aprivilege closeness with the Lord by participating in the events of Christ.Jesus always emphasizes the principle of self-sacrifice that is to do the willof the Father to be realized in this world. That sacrifice signifies how eachof us is not just His people or His followers, but also His own brothers andsisters. He himself says that the greatest love is menifested in the sacrificeof oneself for the goodness and salvation of his or her brothers and sisters. We as children of Godthrough the sacrament of baptism that raises us to become His beloved sons anddaughters, have a special dignity of one brotherhood with Jesus Christ. Withhim, we call God in heaven as our common and beloved Father. All followers ofChrist affirm and embrace their brotherhood with Jesus, their dignity as sonsand daughters of God, and their personal and filial relationship with God asthe Father. The expression of this intimate relationship is manifested in theprayer of "Our Father". In Lent, of course wepray "Our Father" with the best quality of faith, as one form ofdiscipline in our Christian piety. This prayer confirms our brotherhood withChrist, and together with Him we greet God as "our Father". We saythis prayer many times every day because we want to strengthen our fidelity tothe One Father in heaven, who endows His gifts upon each one of us that make usremain close to Him. This happens in this way because of our communion withJesus Christ. The abundance offruits in us remain certain through the gift of God's word which is present toenlighten, strengthen, and renew the life of every believer. Jesus is no longerpresent in His body, but in His word. Through that word, each of us grows and bearsfruit, especially in the form of prayers that unite us with our Father inheaven. Prayer reveals what we do in fasting, such as forgiving and refrainingfrom falling into temptation. Through prayer we also express the intention todo good for our neighbors.Let's pray. In the name of the Father... O Father of mercy, send your Spirit to help us and to accompany us to praylike Jesus Christ. Glory to the Father and to the Son and to the Holy Spirit... In the name of the Father ...

Asha Sharma lidera XboxAsha Sharma asume como CEO de Microsoft Gaming y promete reforzar Xbox y creatividad humanaPor Félix Riaño @LocutorCoMicrosoft nombra a Asha Sharma CEO de su división de videojuegos tras la salida de Phil Spencer. La nueva etapa mezcla consola, nube e inteligencia artificial con foco en juegos creados por personas.Microsoft anunció un cambio histórico en su división de videojuegos. Phil Spencer, quien llevaba 38 años en la empresa y 12 años al frente de Xbox, se va a retirar. En su lugar llega Asha Sharma, ejecutiva que venía liderando productos de inteligencia artificial dentro de Microsoft. Ahora será la nueva directora ejecutiva de Microsoft Gaming y reportará directamente a Satya Nadella.La noticia llega en un momento delicado. Las ventas de consolas Xbox han caído frente a PlayStation y Nintendo. Además, los ingresos por videojuegos bajaron cerca de 10 % en el último trimestre reportado, mientras otras áreas de Microsoft crecían alrededor de 17 %. ¿Puede una líder con perfil en inteligencia artificial recuperar la confianza de los jugadores tradicionales de Xbox?Un giro inesperado hacia la inteligencia artificialPara entender este momento hay que mirar atrás. Phil Spencer tomó el control de Xbox en 2014, cuando la marca atravesaba problemas con el lanzamiento de Xbox One. En esos años se habló incluso de vender la división. Spencer defendió mantener hardware, estudios y software bajo un mismo equipo. Impulsó Xbox Game Pass y lideró compras gigantescas como ZeniMax por 7.500 millones de dólares y Activision Blizzard por 68.700 millones de dólares.Hoy Microsoft Gaming reúne casi 40 estudios. Allí viven sagas como Halo, Call of Duty, World of Warcraft, Diablo y Candy Crush Saga. Son mundos que mueven millones de jugadores cada mes.En ese contexto entra Asha Sharma. Ella trabajó en Meta, fue directora de operaciones en Instacart y luego regresó a Microsoft para liderar CoreAI, el grupo que desarrolla herramientas de inteligencia artificial. En su primer mensaje dijo algo directo: no va a llenar el ecosistema con “basura hecha por IA”. Aseguró que los juegos seguirán siendo arte creado por personas.La llegada de Asha Sharma ha generado debate. Muchos jugadores temen que Xbox se convierta en un laboratorio de inteligencia artificial y pierda identidad. Durante los últimos años, Microsoft llevó varios juegos exclusivos a consolas rivales. Eso hizo que parte de la comunidad sintiera que Xbox estaba perdiendo su esencia.Además, los números no ayudan. Según datos de mercado citados por medios especializados, las ventas de consolas Xbox cayeron hasta 70 % en la temporada navideña de 2025 frente al año anterior. Mientras tanto, Sony y Nintendo mantienen una base fuerte de usuarios.También hubo recortes de personal y cierre de estudios. Más de 2.500 puestos relacionados con videojuegos se han eliminado desde 2024. Todo esto ocurre mientras el desarrollo de juegos es cada vez más costoso y largo.A esto se suma otra pregunta. Microsoft está invirtiendo miles de millones en inteligencia artificial. ¿Se usará la IA para ayudar a los desarrolladores o para reducir costos? Sharma dice que no perseguirá eficiencia rápida a costa de calidad. Pero muchos fans quieren ver acciones concretas, como nuevos juegos exclusivos potentes y una consola con identidad clara.En sus primeras declaraciones, Asha Sharma marcó tres prioridades. Primero, grandes juegos. Habló de personajes inolvidables y de historias que hagan sentir algo. Segundo, el regreso de Xbox como consola central para sus fans más fieles. Y tercero, el futuro del juego en múltiples dispositivos.Eso significa que Xbox va a seguir en consolas, pero también en PC, móviles y nube. Microsoft ya permite jugar títulos propios en otras plataformas y en streaming. Sharma dice que buscará romper barreras para que un desarrollador cree una vez y llegue a muchos dispositivos.Matt Booty fue ascendido a director de contenido y seguirá supervisando los estudios. Phil Spencer acompañará la transición hasta el verano. No habrá cambios inmediatos en la estructura de estudios.La gran prueba llegará pronto. En 2026 se esperan lanzamientos de alto impacto, incluido Grand Theft Auto VI, que estará disponible en Xbox Series X y Series S. Si Xbox logra atraer jugadores con catálogo fuerte y experiencia estable, el nuevo liderazgo ganará tiempo y confianza.Xbox cumple 25 años desde el lanzamiento de su primera consola en 2001. En ese cuarto de siglo, la marca pasó de ser una apuesta arriesgada frente a Sony a convertirse en una red global con más de 500 millones de usuarios activos mensuales, según cifras compartidas por Microsoft.La compra de Activision Blizzard por 68.700 millones de dólares fue una de las más grandes en la historia del entretenimiento digital. Esa operación dio a Microsoft franquicias como Call of Duty y World of Warcraft. También consolidó su presencia en juegos móviles gracias a King, creadora de Candy Crush.Asha Sharma tiene 36 años y formación en negocios. Antes de volver a Microsoft, gestionó en Instacart operaciones que movían más de 30.000 millones de dólares en volumen bruto de mercancías. Su experiencia ha estado centrada en plataformas digitales que escalan a millones de usuarios.En paralelo, Microsoft desarrolla herramientas de inteligencia artificial como Copilot y servicios en la nube que pueden integrarse en el desarrollo de videojuegos. La promesa es usar estas tecnologías para acelerar pruebas, mejorar gráficos o ayudar a los equipos creativos, sin reemplazar el trabajo humano.El reto será equilibrar tradición y tecnología. La industria del videojuego vive una transformación profunda. Consolas, nube, suscripciones y ahora IA conviven en un mismo tablero.Phil Spencer se retira y Asha Sharma toma el mando de Xbox en un momento desafiante. La promesa es reforzar la consola y usar inteligencia artificial con responsabilidad. Vamos a seguir atentos a los próximos anuncios y lanzamientos. Cuéntame qué esperas tú del futuro de Xbox y sigue Flash Diario en Spotify.BibliografíaMicrosoft BlogCNBCThe VergeVarietyForbesPCMagConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

Sem texto hoje! https://despertanews.com.br/ufologia/george-knapp-divulga-fotos-ineditas-de-arquivos-ufo-russos-contrabandeados/ MATÉRIA: https://www.opovo.com.br/noticias/curiosidades/2026/01/20/ets-no-ceara-o-que-rachel-de-queiroz-e-outros-cearenses-viram-no-ceu-quixada.html?utm_campaign=feed&utm_medium=referral&utm_source=later-linkinbio Segue no youtube tbm! https://www.youtube.com/watch?v=OOvj8NxQ4TM Se você curte filmes, séries, jogos e tudo o que envolve o universo da cultura nerd, então já pode marcar na agenda: toda semana temos um encontro ao vivo no YouTube para bater um papo descontraído, trocar ideias e mergulhar no que há de melhor no mundo geek. A live é um espaço para conversar sobre lançamentos, clássicos, teorias, novidades, curiosidades e tudo aquilo que move a paixão de quem vive esse universo. É também uma oportunidade para interagir, mandar perguntas, participar das discussões e fazer parte de uma comunidade que compartilha os mesmos interesses. Se você busca um ambiente leve, divertido e cheio de conteúdo, te espero lá.Acompanhe, participe e venha fazer parte do nosso bate-papo semanal. Nos vemos na live! Curte e compartilha com quem gosta de Ufologia. Seja um apoiador! ⁠⁠⁠⁠https://apoia.se/projetocontatopodcast⁠⁠⁠⁠ Minas/UFOWear - ⁠⁠⁠⁠⁠https://reserva.ink/483449⁠⁠⁠⁠⁠ (TODAS AS CAMISAS DA LOJA A 69,90) Tem relato ou experiência? Preencha o Questionário Ufológico e o Questionário Paranormal no linkabaixo! ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.office.com/r/gfjzPx6Q9g⁠⁠⁠⁠⁠ Apresentação, Edição, Produção, Pauta: Morgan Almeida Apoiadores: Saulo Jr Ana Célia Flávio Fernandes Gabriel Andrade Leandro A. Rodrigo Fernandes Wagner Melo Joab Rayza Rezende Kadu Ana Monteiro Aline Vieira André Ricardo Luiza Frez Miltinho Dedinho Milena Nick ReginaldoSee omnystudio.com/listener for privacy information.

Markets moved higher this week while continuing to work through a longer-term consolidation phase that has defined much of the year so far. For the week, the Dow Jones Industrial Average gained 0.3%, the S&P 500 rose 1.1%, and the Nasdaq advanced 1.5%. Year to date, the Dow leads at +3.3%, the S&P 500 is up 0.9%, and the Nasdaq remains down 1.5%. From a technical perspective, the S&P 500 continues to trade within the consolidation range discussed on recent programs. Resistance near 7,000 remains intact, while the 50-day moving average has acted as a recurring support level. By week's end, the index moved back above that average, reinforcing the pattern of sideways movement rather than sustained decline. The Money Wise guys emphasize that this type of consolidation following strong prior gains is typical in market cycles, allowing valuations to normalize and confidence to rebuild. Technology stocks, which drove much of the prior advance, are also becoming more attractively valued after multiple compressions, creating selective opportunities within the sector. Market Resilience During Policy Shifts A major development during the week was the Supreme Court ruling on tariffs tied to the April 2025 trade actions. The Court struck down the specific legal provision previously used, but markets absorbed the news calmly as the administration moved quickly to implement tariffs through other existing authorities. The guys note that the muted market response reflected investors' understanding that trade policy direction remains largely unchanged despite the legal shift. In the second hour, the Money Wise guys explore RIA vs. Broker. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

Summary: In this episode of PRess Play: The StreetCred Podcast, hosts Elena Krasnow and Jimmy Moock sit down with Shannon Spotswood, chief executive officer of RFG Advisory. Shannon takes us on an incredible ride, from her early fascination with Wall Street at age 14 to the pivotal career and life decisions that ultimately led her to the helm of RFG Advisory. She reflects on learning to get comfortable being uncomfortable, her dynamic experiences across hedge funds and investment banks and the decision to step away from finance entirely before embarking on building the RIA of the future in Birmingham, Alabama.  We cover: How Shannon became so passionate about supported-independence for advisors Shannon's early formative experience working for a woman-led hedge fund Her move to Birmingham, Alabama and how that led to her favorite chapter of her career  What makes Shannon tick and why she loves building from the ground up The importance of building a brand that is deeply tied to people's values  …and much more! Don't miss this captivating conversation which reveals how each of these chapters shaped Shannon's leadership philosophy and her belief in building firms rooted in purpose, positivity and growth. Topics: (0:36) Meet Shannon Spotswood (1:33) What's for lunch? (1:45) The most perfect homemade granola  (2:28) A creature of habit  (2:59) You had me at hot honey (3:30) Saving her spirit of innovation for the business realm  (5:42) How Shannon entered the industry (6:10) At age 14, she knew she wanted to be on Wall Street  (8:25) The move to San Francisco to work at a hedge fund under one of the few female-led portfolio managers  (9:00) Learning how to trade IPOs and model companies  (9:40) The anti-Wallstreet Investment Bank, taking Netscape public  (10:50) Dream job came knocking in her second hedge fund job  (11:52) Learning how to get comfortable being uncomfortable (13:00) Hitting the wall and needing a change  (14:00) Pivot into luxury children's clothing  (14:45) Moving back to Birmingham, Alabama  (15:40) What Shannon loves about building RFG (16:00) Whoever would have thought the RIA of the future would be born and built in Birmingham, Alabama (17:05) The thread that knit it all together  (17:51) What makes her tick?  (18:44) Seeking the intangible  (19:49) “I am either all in or I'm out” (20:11) What it was like when Netscape went public   (22:15) “Everyone on your team has to be a driver”  (25:25) The importance of building a brand that people can connect with  (25:50) What clients are looking for in their advisors  (28:50) The biggest opportunities for advisors who want to grow in today's environment (29:00) “Stop undervaluing your time”  (29:55) Michael Kitces map  (30:42) The financial advisor's superpower  (33:00) Lessons for those looking to find their voice and carve out their own path (34:00) Get over the imposter syndrome  (36:00) Having a disproportionately positive impact on the industry, her partners and the world  (38:10) The detriment behind procrastination  (39:40) Mindset has a 24 hour shot clock on it (40:45) The power of momentum  (41:58) Time for our Play segment! (42:35) Shannon would have run a commercial construction company  (43:20) “I love any -ing”  (44:16) Moment of gratitude   Connect with StreetCred PR:   Contact Us: https://streetcredpr.com/contact/  StreetCred PR Website: https://streetcredpr.com/  Elena Krasnow on LinkedIn: https://www.linkedin.com/in/elena-krasnow/  Jimmy Moock on LinkedIn: https://www.linkedin.com/in/jimmy-moock-3103162/  StreetCred PR on LinkedIn: https://www.linkedin.com/company/streetcred-publicrelations/  Subscribe to PRess Play on YouTube: https://www.youtube.com/@StreetCredPR    Connect with Shannon Spotswood:   RFG Advisory: https://rfgadvisory.com/  Shannon Spotswood on LinkedIn: https://www.linkedin.com/in/shannonspotswood/    About our Guest:  Shannon Spotswood is a 25-year veteran of the financial services industry with experience spanning investment banking, hedge fund management, professional management and business development. As CEO of RFG Advisory, she leads RFG 2.0, the firm's fully integrated platform for independent advisors, and drives the strategic initiatives that power advisor growth. Since joining RFG in 2015, Shannon has blended her entrepreneurial background with a passion for building an innovative, advisor-focused RIA of the future—helping grow the firm from $1.2 billion to more than $7 billion in AUM. Publishing Tags: PRess Play, StreetCred PR, Podcast, Financial Journalism, Financial Media, Elena Krasnow, Jimmy Moock, Wealth Management, RIA, RIA of the Future, Supported Independence, Financial Advisors, Women in Leadership, Shannon Spotswood, RFG Advisory  

5 Local bands headline Lovers Fest at the Aggie Theater for Valentine's Day. Find out more as Ria and Mia from the KCSU music department interview members of Kevin?, Ember, Snow Day, Planet Claire, and Freaky Stella. 

“Personalization” has become one of the most overused words in wealth management and one of the hardest promises to actually deliver. Clients want portfolios that reflect their goals, values, tax realities, and life events. Firms want scale, efficiency, and fewer operational landmines. Too often, those two goals collide. In this episode of The WealthStack Podcast, host Shannon Rosic sits down with Joshua Allen, CEO of TCP Asset Management, to unpack what real portfolio personalization looks like inside a fast-growing RIA and why most firms underestimate the operational cost of getting it wrong. Josh shares how TCP moved beyond model-only workflows, where automation actually helps (and where it doesn't), and why saying no to most technology is critical to scaling personalization without creating an ops headache. Key takeaways: How hiring a director of advisory services strengthened tech integration Why deeper use of existing tech beats adding more tools to the stack How personalized portfolios are driving referrals across generations Why most “personalized portfolios” still feel identical to clients What's real vs hype when it comes to AI in portfolio management Resources: Listen to WealthStack on Wealth Management Subscribe and listen to WealthStack on Apple Podcasts Subscribe and listen to WealthStack on Spotify Connect with Shannon Rosic: Shannon Rosic WealthStack website Wealth Management Connect with Joshua Allen: LinkedIn: TCP Asset Management Website: TCP Asset Management About Our Guest: As a founding Partner and  Chief Executive Officer of TCP Asset Management, Josh Allen is charged with leading a team of wealth advisors in practice management, business development, and innovative planning solutions. These solutions have provided our clients with the resources and flexibility needed to deliver a personalized financial planning experience that is fluid and dynamic. Josh and his team have developed and refined a process that is comprehensive in nature and ties together: investment management, risk management, retirement income planning, estate planning, business and family legacy planning, and philanthropy. This exclusive process allows them to put together all the pieces of the financial puzzle for their clients as their lives unfold and be engaged when their needs evolve. Josh received a Bachelor of Science degree from The Ohio State University in Family Resource Management. He also received a certificate in Financial Planning from Boston University. Upon completion of the education, examination and experience requirements, Josh obtained the Certified Financial Planner, CRPC® and CRPS® designations. His securities licenses include the series 7,9,10 and 66 and State of Ohio insurance license. Josh is married to Branda, who is also one of his business partners. They together have three children, two dogs and two cats. As a family they love the outdoors, whether it is on the beach or in the mountains, they are always up for an adventure.

Teletransportación cuántica en BerlínLa fibra comercial de Berlín logró teletransportar información cuántica con 90 % de fidelidad promedio realPor Félix Riaño @LocutorCoDeutsche Telekom y Qunnect prueban teletransportación cuántica sobre fibra óptica comercial en red activa urbana.En Berlín ocurrió algo que suena a película de ciencia ficción, pero no lo es. La empresa alemana Deutsche Telekom y la empresa estadounidense Qunnect lograron teletransportar información cuántica a través de 30 kilómetros de fibra óptica comercial que ya estaba en uso.Sí, escuchaste bien. No estaban en un laboratorio aislado. Estaban usando la misma infraestructura por donde circulan llamadas, mensajes y datos de internet. Y lo hicieron con una fidelidad promedio del 90 %. En algunos momentos alcanzaron el 95 %.Pero calma. No estamos hablando de personas viajando de un punto a otro. Estamos hablando de qubits. ¿Qué significa eso realmente? ¿Y por qué importa que esto ocurra fuera de un laboratorio?La física es frágil fuera del laboratorioPrimero vamos a entender qué pasó.Un qubit es la unidad básica de información en computación cuántica. A diferencia de un bit tradicional, que solo puede ser cero o uno, el qubit puede estar en una combinación de ambos estados al mismo tiempo. Eso permite cálculos que un computador clásico tardaría miles de años en resolver.La teletransportación cuántica no mueve materia. Lo que hace es transferir el estado cuántico de una partícula a otra distante, usando un fenómeno llamado entrelazamiento cuántico. Dos partículas quedan conectadas de tal forma que lo que le pasa a una afecta a la otra, aunque estén separadas por kilómetros.En enero de 2026, en una red activa de Berlín, los investigadores teletransportaron qubits generados por una fuente coherente débil a lo largo de 30 kilómetros de fibra óptica comercial. Esto ocurrió mientras el cable transportaba tráfico normal de internet.La plataforma utilizada fue el sistema Carina de Qunnect, que genera pares de fotones entrelazados y corrige automáticamente perturbaciones ambientales.Y aquí está el detalle interesante: la teletransportación se realizó a una longitud de onda de 795 nanómetros. Esa frecuencia es útil para conectar computadores cuánticos de átomos neutros, relojes atómicos y sensores cuánticos.Ahora bien, lograr esto en la vida real no es sencillo.Las redes cuánticas son extremadamente sensibles. Vibraciones, cambios de temperatura, interferencias eléctricas, incluso el paso de un camión pesado pueden alterar la señal en la fibra. En una ciudad como Berlín, con infraestructura subterránea compleja, eso es un desafío constante.Además, la fidelidad del 90 % significa que en promedio 9 de cada 10 estados cuánticos llegaron correctamente reconstruidos. Eso es alto, pero todavía no es perfecto. Para aplicaciones comerciales masivas, se necesitará acercarse mucho más al 100 %.También hay otra duda razonable. La computación cuántica todavía no está lista para uso general. Muchos prototipos requieren enfriamiento criogénico extremo. Entonces, ¿para qué teletransportar qubits si aún no hay redes globales de computadores cuánticos funcionando?Por otro lado, la seguridad. Se dice que los computadores cuánticos del futuro podrían romper los sistemas de cifrado actuales. Algunos expertos impulsan la criptografía poscuántica. Otros creen que se necesitarán redes basadas en física cuántica, como la distribución de claves cuánticas. Pero esa tecnología tiene límites de distancia cercanos a 200 kilómetros y ha recibido críticas por posibles vulnerabilidades técnicas.Así que la pregunta es: ¿esto es un avance sólido o es todavía una demostración experimental con muchas piezas faltantes?Lo que cambia el panorama es el contexto.No fue una simulación. Fue una red comercial operativa. Eso significa que los equipos de Qunnect se instalaron en racks reales, bajo control del operador, y convivieron con tráfico digital normal.Según declaraciones del equipo, el objetivo es avanzar hacia configuraciones con múltiples nodos y mayores distancias. Eso permitiría conectar centros de datos cuánticos en distintas ubicaciones y repartir carga de cálculo.En paralelo, en Nueva York, Qunnect trabajó con Cisco Systems para demostrar intercambio de entrelazamiento en una red metropolitana de 17,6 kilómetros. Allí lograron más de 1,7 millones de pares entrelazados por hora en pruebas locales y 5.400 pares por hora sobre fibra desplegada, con fidelidad superior al 99 %.Eso valida algo importante: estas tecnologías pueden funcionar en ciudades reales, con ruido real y cables reales.¿Significa que mañana tendremos internet cuántico en casa? No. Pero sí indica que las bases técnicas están saliendo del laboratorio y entrando en infraestructura existente.El concepto de internet cuántico busca conectar computadores cuánticos, sensores y relojes atómicos para que trabajen como una red distribuida. Esto permitiría, por ejemplo, sincronización ultra precisa, redes de sensores ambientales de alta sensibilidad y comunicaciones resistentes a ciertos tipos de espionaje.En Europa existe un interés estratégico en este campo. Se habla de soberanía tecnológica y de reducir dependencia de infraestructuras externas.En Estados Unidos, varias empresas también exploran arquitecturas tipo “hub and spoke”, donde un nodo central gestiona el entrelazamiento y otros nodos funcionan con equipos a temperatura ambiente, reduciendo costos.La publicación técnica del experimento de Berlín está disponible en arXiv, lo que permite que la comunidad científica revise los datos. Eso es relevante porque no se trata solo de un comunicado corporativo.Todavía faltan componentes como memorias cuánticas estables y repetidores cuánticos para ampliar distancias de cientos a miles de kilómetros. Pero estos ensayos muestran que la fibra óptica ya desplegada puede ser parte del futuro cuántico.Berlín logró teletransportar qubits por 30 kilómetros de fibra comercial con 90 % de fidelidad. No es ciencia ficción. Es infraestructura real probando redes cuánticas.¿Confías más en criptografía matemática o en seguridad basada en física cuántica? Cuéntamelo.Sigue el pódcast en Spotify:Flash DiarioBibliografíaDeutsche TelekomLight ReadingTom's HardwareQuantum Computing ReportReutersConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

There are multiple pathways into the RIA model.Each with pros and cons.One of the pathways is to join an existing RIA.When I first note the latter to advisors, there is often a misconception about what that entails.I'll often hear… “I don't want to sell my practice.”That “flavor” of RIA exists, but it's by no means the only flavor available.In fact, there are over a dozen variables that distinguish one RIA from another.Some RIA offerings will be of no interest to you, whereas others could be very appealing.In this episode (#142) of the Transition To RIA question & answer series I explain how to evaluate an RIA to potentially join.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-do-i-evaluate-an-ria-to-join/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B 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.

Gemini crea canciones con Lyria 3 mientras Sony desarrolla tecnología para medir influencias y futuras regalías en música generada por IA Por Félix Riaño @LocutorCoGemini ya genera canciones con IA y Sony prepara herramientas para rastrear qué música humana influyó en ellasGoogle acaba de activar una nueva función en Google Gemini. Ahora puedes escribir una frase y obtener una canción de 30 segundos. Rap, pop, rock, afrobeat. Con letra o instrumental.El modelo que lo hace posible se llama Lyria 3 y viene del equipo de Google DeepMind. Está disponible desde el 18 de febrero de 2026 para mayores de 18 años en ocho idiomas, incluido el español.Pero mientras Google invita a jugar con la música, otra empresa trabaja en algo muy distinto. Sony Group desarrolla una tecnología capaz de estimar cuánto influyen canciones humanas en una pista creada por IA.Una crea. La otra mide. ¿Estamos entrando en la era del contador musical digital?Crear ahora es muy fácil. Rastrear es complejo.Primero, lo nuevo de Google.En la app de Gemini, vas a “Herramientas” y eliges “Crear música”. Escribes algo como: “Pop latino, ritmo alegre, guitarra acústica, voz femenina suave, letra sobre una mascota”. En segundos tienes un archivo de 30 segundos listo para descargar en MP3 o en video.Si subes una foto o un clip, Gemini analiza la imagen y compone algo que encaje con esa atmósfera. La portada la genera el modelo Nano Banana. Todo queda listo para compartir.Google aclara que el objetivo no es crear el próximo éxito mundial. Es expresión rápida. Una broma. Una banda sonora para un Short.Las canciones llevan una marca invisible llamada SynthID. Es un watermark digital que identifica que el audio fue generado por IA de Google. También puedes subir un archivo a Gemini y preguntarle si fue creado con su sistema.Eso es el lado creativo. Ahora viene el lado contable.La industria musical lleva años preguntando lo mismo: ¿con qué datos se entrenan estos modelos?Plataformas como Suno y Udio enfrentaron demandas por presunto uso de grabaciones protegidas sin licencia. El debate gira en torno a una pregunta sencilla: si una IA aprende escuchando música humana, ¿quién debe recibir pago?Ahí entra Sony.El equipo de Sony AI publicó una investigación sobre un sistema capaz de estimar qué canciones influyen en una pista generada por IA. En pruebas académicas, el sistema puede calcular porcentajes aproximados de influencia.Si el desarrollador coopera, se analizan datos internos del modelo. Si no coopera, se comparan las canciones generadas con grandes catálogos musicales.El reto es técnico y enorme. En pruebas con conjuntos relativamente pequeños, atribuir influencias puede tardar horas usando equipos muy potentes. Llevar eso a escala industrial es un desafío todavía abierto.Pero la intención es clara: construir una base para repartir regalías cuando la IA participe en la creación musical.No estamos ante una pelea directa entre Google y Sony. Estamos viendo dos movimientos en el mismo tablero.Google apuesta por integrar texto, imagen, video y ahora sonido en un solo ecosistema creativo. Con millones de usuarios activos en Gemini, la generación musical se vuelve cotidiana.Sony, que controla enormes catálogos históricos, explora cómo transformar la atribución en una herramienta de negociación y reparto económico.Si la música generada por IA crece en plataformas de streaming, será necesario decidir cómo se distribuyen los ingresos.La gran pregunta es esta: ¿vamos a tener un sistema donde cada canción generada por IA venga acompañada de un cálculo de influencia?La tecnología ya está en desarrollo. Lo que falta es que la industria acuerde cómo usarla.Lyria 3 está disponible en inglés, alemán, español, francés, hindi, japonés, coreano y portugués. Google planea ampliar idiomas y mejorar calidad.Los usuarios gratuitos pueden crear canciones con límites diarios. Los planes de pago permiten más generación.Además, Google integra Lyria 3 con YouTube Dream Track para crear música personalizada en Shorts. Eso puede impactar directamente en la producción masiva de contenido corto.Mientras tanto, empresas y sellos discográficos desarrollan herramientas de detección basadas en análisis estadístico y técnicas de “machine unlearning”. Estos sistemas intentan identificar qué partes del conocimiento de un modelo influyen en un resultado específico.El debate no es si la IA puede hacer música. Ya puede.El debate es cómo se mide su deuda con la música humana.Gemini ahora crea canciones en segundos. Sony trabaja en medir qué música humana influyó en ellas.Estamos ante creatividad instantánea y contabilidad algorítmica al mismo tiempo.¿Te entusiasma más crear o medir?Escucha más episodios en Spotify: Flash Diario BibliografíaNumeramaFrandroidBFMTVGoogle BlogComplete Music UpdateElectronics WeeklyConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

Latam-GPT regionalLatam-GPT, el modelo abierto chileno, busca reducir sesgos y fortalecer soberanía tecnológica latinoamericanaPor Félix Riaño @LocutorCoChile presentó Latam-GPT, un modelo de inteligencia artificial abierto entrenado con datos de América Latina y el Caribe para mejorar la representación cultural y lingüística en sistemas de IAChile acaba de dar un paso que puede cambiar la conversación sobre inteligencia artificial en nuestra región. El 10 de febrero, en Santiago, se presentó Latam-GPT, un modelo de lenguaje abierto creado desde América Latina y pensado para América Latina. El proyecto fue coordinado por el Centro Nacional de Inteligencia Artificial de Chile y reunió a más de 60 instituciones y cerca de 200 especialistas de al menos 15 países.La idea es sencilla de entender: muchos sistemas de inteligencia artificial que usamos a diario fueron entrenados sobre todo con información en inglés y con referencias culturales del norte global. Eso deja por fuera parte de nuestra historia, nuestras palabras y nuestras formas de hablar. ¿Puede una región participar en la revolución de la IA si su propia voz casi no aparece en los datos?La región quiere su propia voz digitalLatam-GPT fue desarrollado sobre la arquitectura abierta Llama 3.1, creada por Meta. Tiene 70.000 millones de parámetros. Cuando hablamos de parámetros, nos referimos a los valores internos que el modelo ajusta para aprender patrones del lenguaje. Entre más parámetros, mayor capacidad para captar relaciones complejas entre palabras y contextos.Para entrenarlo, el equipo reunió más de 300.000 millones de fragmentos de texto, lo que equivale a unos 230.000 millones de palabras. También se habla de más de ocho terabytes de información. Ocho terabytes son ocho millones de megabytes, un volumen comparable al contenido de millones de libros digitales. Todo ese material fue recopilado con permisos y licencias, según el Centro Nacional de Inteligencia Artificial.El modelo fue entrenado principalmente en español y portugués, los idiomas mayoritarios de la región. Además, el plan es incorporar lenguas indígenas como el mapudungun y el rapa nui. En su primera fase se entrenó en la nube de Amazon Web Services, y en 2026 se va a utilizar un supercomputador en la Universidad de Tarapacá, en el norte de Chile, con una inversión cercana a cinco millones de dólares.El contexto es claro. Estudios citados por los impulsores del proyecto indican que el español representa alrededor del 4 % de los datos usados para entrenar grandes modelos de lenguaje. El portugués apenas ronda el 2 %. Eso significa que más del 90 % del material proviene de otros idiomas y otras realidades culturales.Cuando un modelo aprende sobre todo con datos de Estados Unidos o Europa, puede responder mejor a preguntas sobre el sitio de Calais en 1346 que sobre el sitio de Chillán en la independencia chilena. Puede generar imágenes estereotipadas cuando se le pide representar a una persona latinoamericana. Ese sesgo no siempre es malintencionado, pero sí refleja un desequilibrio en los datos.Al mismo tiempo, el mercado global de la inteligencia artificial está dominado por grandes empresas de Estados Unidos y China, con presupuestos de cientos de millones o miles de millones de dólares. Latam-GPT fue desarrollado con un presupuesto cercano a 550.000 dólares, según varias fuentes. Algunos académicos advierten que, con esa diferencia de recursos, competir de tú a tú con modelos comerciales será muy difícil. Entonces surge otra pregunta: ¿el objetivo es competir o construir infraestructura pública regional?Los responsables del proyecto insisten en que Latam-GPT no nace como un chatbot para el público general. No es una copia directa de servicios como ChatGPT o Gemini. Es una base tecnológica abierta que gobiernos, universidades y empresas pueden adaptar a sus propias necesidades.Al estar disponible en plataformas como Hugging Face y GitHub, cualquier desarrollador puede descargar el modelo, ajustarlo y crear aplicaciones locales. Por ejemplo, la empresa chilena Digevo ya anunció que va a usarlo para desarrollar sistemas de atención al cliente para aerolíneas y comercios, capaces de entender modismos, velocidad de habla y expresiones regionales.El presidente chileno, Gabriel Boric, afirmó durante el lanzamiento que la región quiere sentarse a la mesa de la economía digital del futuro. La apuesta es construir soberanía tecnológica. Eso implica tener capacidad de decisión sobre los datos, las reglas y los usos de la inteligencia artificial en servicios públicos, salud, educación y justicia.Latam-GPT se suma a otras iniciativas regionales como SEA-LION en el sudeste asiático y UlizaLlama en África. Todas comparten una idea: adaptar la inteligencia artificial a contextos culturales específicos y reducir la dependencia de modelos extranjeros.El proyecto fue coordinado por el Centro Nacional de Inteligencia Artificial de Chile, con apoyo del Ministerio de Ciencia de ese país, el Banco de Desarrollo de América Latina y el Caribe, conocido como CAF, y otras organizaciones académicas y sociales de países como Colombia, Brasil, México, Perú, Uruguay y Argentina.Aunque el presupuesto inicial fue modesto en comparación con los gigantes tecnológicos, el plan contempla nuevas inversiones en infraestructura. El supercomputador que se instalará en la Universidad de Tarapacá permitirá entrenar versiones futuras con mayor capacidad y posiblemente añadir funciones multimodales, es decir, que el modelo pueda trabajar también con imágenes, audio o video.Otro punto clave es la gobernanza. Al tratarse de un modelo abierto, será necesario establecer reglas de uso, evaluaciones de sesgo, documentación sobre los datos empleados y mecanismos de actualización. La apertura facilita auditorías y adaptaciones locales, pero también exige responsabilidad en su implementación.Desde el punto de vista económico, un modelo regional puede reducir costos para startups y entidades públicas que no pueden pagar licencias elevadas de servicios internacionales. También puede impulsar la investigación en universidades latinoamericanas y formar talento especializado en inteligencia artificial.La gran incógnita es la sostenibilidad a largo plazo. Los modelos de lenguaje requieren actualizaciones constantes, nuevos datos y capacidad de cómputo. Si la coalición de más de 60 instituciones se mantiene activa, Latam-GPT puede convertirse en una plataforma estable. Si pierde financiación, el impulso inicial podría diluirse.En resumen, Latam-GPT es un modelo de inteligencia artificial abierto creado en Chile con apoyo regional para mejorar la representación cultural y lingüística de América Latina. Busca reducir sesgos y fortalecer soberanía tecnológica. Ahora la pregunta es cómo se va a usar y si logrará consolidarse como infraestructura pública regional.Te invito a seguir el pódcast en Spotify y a compartir este episodio de Flash Diario. Tu apoyo ayuda a que más personas entiendan la tecnología que está transformando nuestro mundo.BibliografíaAI BusinessEuronewsUPIIntelliNewsFrance InfoThe Tico TimesConviértete en un supporter de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

While Artificial intelligence (AI) tools offer financial advisors the prospect of greater operational efficiency, the real opportunity goes beyond saving time. This episode explores practical ways advisors can use AI not only to streamline workflows, but also to elevate the client experience with clearer insights, stronger storytelling, and deliverables that make a firm's value instantly tangible to prospects and clients. Christopher Haigh is the CEO of Iconoclastic Capital, an RIA based in Rochester, New York, that oversees approximately $60 million in assets under management for 120 client households. Listen in as Christopher shares how he's adopted AI tools across his tech stack, including how he leverages AI inside planning, investment analysis, and tax software, as well as how he uses generalist AI tools to create and refine dynamic presentations that better communicate his firm's brand and value proposition. For show notes (including examples of the deliverables Christopher uses with prospects and clients) and more visit: https://www.kitces.com/477

Comprometido divulgador de los valores naturales, culturales y sociales de toda la Montaña de Riaño, esta semana charlamos en "León, hacia rutas salvajes" con el profesor Carlos Cuenya González, excepcional testigo de la dramática ola de incendios que también golpeó este pasado verano a la vertiente leonesa de los Picos de Europa. Acompañados de nuestro naturalista de cabecera, Manu González, hablamos con él sobre todo aquello que las llamas destruyeron y acerca de cómo está evolucionando el terreno medio año después.

SPRING TOUR TICKETS > barstoolsports.com/events/bestshowonearthtour. Ria's Friends Experience review (00:00-13:47). The Quad God's shocking free skate at the Winter Olympics (13:48-18:51). Fran danced on stage at the Dancing with the Stars Tour (20:28-41:09). The Traitors S4 E9 recap (42:32-1:09:08). Tell Me Lies S3 E7 recap (1:10:25-1:22:28). Weekly Watch Report: Wuthering Heights, Love Island: All Stars, Summer House, Love Story: John F. Kennedy Jr. & Carolyn Bessette + more! (1:22:29-2:08:54). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

In this episode, we sit down with Andy Sedora and Jeff Emrich, Partners and Financial Advisors at Vantus Wealth, to explore a more connected approach to financial planning. Born from a desire to bring clarity and collaboration to every part of clients' financial lives, Vantus Wealth is an independent RIA built on the idea of gaining a higher perspective—*vantage*—while keeping the focus on ‘us': the client, their family, and their trusted circle of professionals. Andy and Jeff share how this philosophy shapes the way they advise, partner, and help clients make confident, well-aligned financial decisions.???? Connect with Andy Sedora & Jeff Emrich: ✅ Website: https://vantuswealth.com/ ✅ Instagram: https://www.instagram.com/vantuswealth/ ✅ LinkedIn: https://www.linkedin.com/company/vantus-wealth/ Thank you for watching Lancaster Connects! This is the show about small business and small charity success in Lancaster county - we showcase the battle on Main Street, big vs. small David vs Goliath, and bring you the best of what makes Lancaster so great. ???? Want to create live streams like this? Check out StreamYard: https://StreamYard.CastAhead.net ➡️ Get your FREE copy of Ben McClure and Jeff Giagnocavo's book - "Sleep Better" https://gardnersmattressandmore.com/sleep-betterLIVE SHOW PODCAST & REPLAYS: ???? Connect with Lancaster Connects:✅ Official: https://lancasterconnects.com/ ✅ YouTube: https://www.youtube.com/@LancasterConnects ✅ LinkedIn: https://www.linkedin.com/company/lancaster-connects✅ Facebook: https://www.facebook.com/LancasterConnectsLancaster Connects is produced by Chris Stone at Cast Ahead:  https://CastAhead.net #LancasterCounty #LancasterPA #LancasterCountyPA #LancasterConnects #Community #RetailExperience

Durante décadas, la minería leonesa estuvo fuertemente ligada a los intereses económicos de empresarios vascos, especialmente de la burguesía bilbaína. Entre ellos, aunque nacido el León, destacaba la figura de Tomás Allende fundador de la Hullera de Sabero y Anexas. Llegó a ser diputado por Riaño y senador por León en 1.901. Aprovechamos nuestra sección SER Minero para recordar su figura junto a Roberto Fernández, director del Museo de Sabero, y el ingeniero e investigador Gabriel Frías.

With Joe Duran – Managing Partner, Rise Growth Partners Overview What does it take to build something enduring—more than once? In this special replay, Joe Duran reflects on the mindset behind reinvention, the lessons from selling United Capital to Goldman, and why the most successful leaders never stop questioning their assumptions. Watch… Listen in… > Download a transcript of this episode… NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. About this episode… Joe Duran's career has always been about reaching new heights—and then helping others climb on their own. A proverbial mountain climber himself, Joe built and sold two of the most successful firms in the RIA space: Centurion Capital and United Capital. Today, Joe sees himself as a sherpa—guiding the next generation of entrepreneurs through his latest venture, Rise Growth Partners. His story is one of constant reinvention, relentless curiosity, and the humility to keep asking one simple question: “What if I'm wrong?” Joe first joined us on the show back in 2020, shortly after the sale of United Capital to Goldman Sachs. Now, with the benefit of both hindsight and foresight, Joe revisits that experience and explores the mindset behind building truly world-class firms, including: The Goldman experience—and what he learned from the sale of United Capital. The development of Rise—and how he sees it helping to shift the narrative in the industry. Learning from your clients instead of your competitors—and why that's the real key to building a world-class firm. Finding an investor that can “really help you—and why you need to look beyond “financiers.” Adding services without adding staff—and when you shouldn't look in-house for solutions. Challenging your assumptions—and how to stay relevant in an industry that never stops changing. And why being great doesn't necessarily mean being the biggest. Joe also reflects on how the industry can avoid the risk of mega-RIAs repeating the mistakes of the wirehouses. It's a candid and thought-provoking conversation about reinvention, leadership, value creation, and what it means to evolve from mountain climber to sherpa from one of the industry's trailblazers. Want to learn more about where, why, and how advisors like you are moving? Click to contact us or call 908-879-1002. Related Resources Why Settle for “Good Enough” When Great is Possible? In a vastly expanded industry landscape with more high-quality options than ever before, some advisors settle for “good enough” when the potential for “great” is often within reach. What's holding them back? Limitless Growth: Building the Business You Want and the Life to Match Stephanie Bogan, founder of Limitless Advisor, offers a glimpse into the advice and perspective she shares with advisors and business leaders in the wealth management world, focusing on mindset and methods, and their relationship to achieving one's best business life. Wealth Management Landscape at a Glance The wealth management industry offers more options than ever, making it challenging to identify and compare the various models. We created this “at a glance” continuum infographic—to help you navigate the different models and understand how their features stack up. Joe Duran Managing Partner Joe Duran is a serial entrepreneur and an industry visionary in wealth management and wealthtech. Early in 2024, Joe and his team launched Rise Growth Partners (‘Rise'), the industry's first harmonious financial partner. With firsthand experience in building nationally recognized registered investment advisers (RIAs), Rise's team partners with middle-market RIAs, providing capital and strategic expertise. Previously, Joe was a Partner at Goldman Sachs, serving as Co-Head of the Workplace and Personal Wealth business. He founded and served as CEO of United Capital, one of the nation's largest independent wealth management firms, which Goldman Sachs acquired in July 2019. Prior to that, he built and sold Centurion Capital–one of the first turnkey asset management platforms–to General Electric, where he served as President of GE Private Asset Management (now listed as NYSE: AMK). Joe is the author of three bestselling books on investing and entrepreneurship. He is a sought-after conference and podcast speaker and appears frequently on a broad spectrum of media, ranging from CNBC to Goop. Joe has MBAs from Columbia University and UC Berkeley, as well as an undergraduate degree from Saint Louis University. He is a CFA Charterholder and a member of the Young President's Organization (YPO), the world’s largest leadership community of chief executives. A Yogi for decades, he meditates daily and is an avid beach volleyball player. Joe and his wife Jennifer cherish their three daughters and share a love of frequent travel, dining, dancing and live concerts. Also available on your favorite podcast app and other media sites

Andy Fisher spent 25 years leading operations at a Fortune 500 company before launching Path Setter Financial, a fee-only RIA built on clarity, transparency, and calm.In this episode, we talk about his transition from corporate leadership to advisory firm owner—and what engineering discipline taught him about building better financial planning processes.We discuss how fee structures influence outcomes, why fiduciary advice truly changes the conversation, and how Andy structures discovery to help couples align spending with values. His philosophy is simple: the math is straightforward, but behavior drives results.We also get into real advisor topics—navigating stock comp, pensions, and early retirement windows; launching an RIA; early operational mistakes; implementing a CRM; outsourcing strategically; and the role peer groups play in momentum and accountability.If you're building or refining your firm, this conversation offers practical insight into process design, client communication, and helping families move from analysis to action.If you found it valuable, follow the show, share it with another advisor, and leave a quick review.Andy's Social:https://www.linkedin.com/in/andy-fisher-16522410/Music from this episode was obtained through Bensound.

Seekord on meil külas Riigi Infosüsteemi Ameti peadirektori asetäitja küberturvalisuse alal ja RIA küberturvalisuse keskuse juht Gert Auväärt, kellega rääkisime teemadest, mis on kirja saanud RIA värskesse küberturvalisuse aastaraamatusse. Kui episood kuulatud, loe lähemalt: https://www.ria.ee/kuberturvalisuse-aastaraamat-2026-----Jaga meile enda jaoks olulisimat mõtet episoodist meie Discord kanalis: https://discord.gg/8X5JTkDxccEpisoodi veavad Priit Liivak, Martin Kapp ja Erik JõgiAlgorütmi toetavad LHV https://www.lhv.ee/Nortal https://nortal.com/Codeborne https://codeborne.com/

Your finances have layers—investments, taxes, planning for the future. If you want a second set of eyes, Peter opened up a few spots for a quick, no-obligation call. Grab yours now. -----  If you ever hire help, how do you tell whether you're getting a high-quality advisor? Ranie Verby, Plancorp's Director of Practice Management, joins the show to explain what "financial advisor" can really mean, how to spot a true fiduciary at an RIA, and why the best advice shows up when life gets messy, not when markets are calm. Listen now and learn: ► The quickest screening questions that reveal whether an advisor is transparent, fiduciary, and actually aligned with you ► The firm-structure red flags that signal thin service, weak continuity, and no real succession plan ► Why "owned outcomes" matter more than portfolio picks when you hit a major life event ► How Plancorp uses behavioral finance and AI to improve the client experience without burning out advisors   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.   (01:30) How to choose a high-quality financial advisor: fiduciary duty and RIA screening  (04:51) Signs of a great advisor: trust, continuity, and why a team matters  (08:26) Behavioral finance in financial planning: tough conversations, estate planning, and family decisions  (13:44) DIY investing vs hiring an advisor: accountability, decision support, and owned outcomes  (16:29) How Plancorp uses AI in financial planning to save advisor time and improve meetings  (21:49) Advisor burnout and capacity: why it affects client experience and continuity  (26:23) Financial advisor red flags and green flags: team size, succession plan, and relationship fit  (29:08) Integrated financial planning under one roof: investing, taxes, and estate coordination  (32:22) For advisors: how to evaluate your firm and build a sustainable advisory career  (36:20) Choosing a financial advisor: fiduciary in writing and meet the full team  (37:08) Where to follow Ranie Verby    Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)   Disclosure: This content, which contains security-related opinions and/or information, is provided for informational purposes only and should not be relied upon in any manner as professional advice, or an endorsement of any practices, products or services. There can be no guarantees or assurances that the views expressed here will be applicable for any particular facts or circumstances, and should not be relied upon in any manner. You should consult your own advisers as to legal, business, tax, and other related matters concerning any investment. The commentary in this "post" (including any related blog, podcasts, videos, and social media) reflects the personal opinions, viewpoints, and analyses of the Plancorp LLC employees providing such comments, and should not be regarded the views of Plancorp LLC. or its respective affiliates or as a description of advisory services provided by Plancorp LLC or performance returns of any Plancorp LLC client. References to any securities or digital assets, or performance data, are for illustrative purposes only and do not constitute an investment recommendation or offer to provide investment advisory services. Charts and graphs provided within are for informational purposes solely and should not be relied upon when making any investment decision. Past performance is not indicative of future results. The content speaks only as of the date indicated. Any projections, estimates, forecasts, targets, prospects, and/or opinions expressed in these materials are subject to change without notice and may differ or be contrary to opinions expressed by others. Please see disclosures here.

What happens when a $16 billion RIA decides to double down on leadership, integration, and “advisor intelligence” in the middle of an AI-driven vortex of change?   In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Jennifer des Groseilliers, CEO of The Mather Group, who shares how her path from Vermont to law school to leadership roles at Ameriprise, MetLife, and a MassMutual franchise ultimately led her to the helm of The Mather Group, a $16 billion fee-only RIA. As a key leader at The Mather Group, Jennifer oversees a 190-person team, 40 wealth advisors, and a growth engine built on 23 acquisitions, an integrated planning platform, and a niche focus on Fortune 200 executives nearing retirement. She discusses leadership development, behavioral finance, and the rise of AI in wealth management—explaining why “advisor intelligence” is now the real differentiator for firms that want to win the next decade.   Key Takeaways: → How taking over compliance, portfolio management, and back-office operations for acquired firms frees advisors to focus on client-facing work and deep planning. → Why it's essential to bifurcate sales and advice and how that structure enhances both growth and advisor effectiveness. → How AI is creating a vortex of change in financial services and why advisor intelligence around values, behavior, and trust matters more than ever. → Why The Mather Group sees itself as an integrator, not an aggregator. → How carefully refined and consistent platform allowed the firm to scale to roughly $16 billion in AUM.   Jennifer des Groseilliers is the Chief Executive Officer of The Mather Group. Jen cultivates a collaborative culture through inclusive and supportive leadership. Her unwavering commitment to keeping clients at the center of all efforts drives her approach. Jen's extensive professional experience includes serving as a Managing Partner in the MetLife Premier Client Group in 2013, leading a team of over 160 financial advisors. She became the CEO of MassMutual Illinois in 2016 and, in 2020, after a merger with WestPoint Financial Group, assumed the role of Partner and Chief Experience Officer, leading various departments, including Investments, Compliance, Practice Development, and Financial Planning.   Connect With Jennifer:   Website: https://www.themathergroup.com/ Instagram: https://www.instagram.com/officialtmgwealth/ Facebook: https://www.facebook.com/TMGTheMatherGroup LinkedIn: https://www.linkedin.com/in/jenniferadesgroseilliers/ https://www.linkedin.com/company/themathergroup   Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome back to Womanology! In today's episode, Ria sits down with content creator Eisha Nikole to discuss her incredible journey from being a full-time caregiver to achieving viral success. Eisha opens up about the raw challenges of balancing motherhood, caregiving for her parents through cancer and kidney failure, and battling postpartum depression—all while building a thriving brand in the social media space. We also dive into the "discipline of the gym," the power of saying "no," and why the St. Louis creator community is essential for growth. In this episode, they discuss: -The First Camera: The life-changing gift from her partner Michael that sparked her journey. -Healing Through Creation: How watching Orlando content creators provided an escape during her darkest days. -Overcoming the "People PTSD": Dealing with imposter syndrome and learning to work with others again. -Brand Collaborations: The secret to landing deals with names like Universal and Six Flags Fright Fest. -Modern Parenting: Why "open lines of communication" are the key to breaking generational cycles.   Hit the new voicemail ‪(314) 649-3113‬ Follow Womanology on Instagram (@womanology_Podcast) Email the show at straightolc@gmail.com                  Hit the Voicemail at 641-715-3900 Ext. 769558 Follow SOLC Network online Instagram: https://bit.ly/39VL542    Twitter: https://bit.ly/39aL395    Facebook: https://bit.ly/3sQn7je    To Listen to the Podcast Podbean https://bit.ly/3t7SDJH                     YouTube http://bit.ly/3ouZqJU                     Spotify http://spoti.fi/3pwZZnJ                    Apple http://apple.co/39rwjD1                     Stitcher http://bit.ly/3puGQ5P                  IHeartRadio http://ihr.fm/2L0A2y1 

This CEO Built A $30B Money Management FirmGuest STAN GREGOR Chairman & CEO Website: https://summitfinancial.com/AUM$26-27B in assetsSUMMIT FINANCIAL CEOStan Gregor is the CEO of Summit Financial LLC. As a senior executive with over 30 years of experience, Stan has operated in banking, private wealth management, investment management, fiduciary trust services, fixed income trading, investment banking, retirement services, insurance, financial planning, and public finance. He has also been involved in acquiring and integrating some of the largest and most complicated banking, wealth management, insurance, and capital markets businesses and cultures with a demonstrated track record of increasing productivity, profitability and shareholder value.Most recently, Stan was the founder and co-CEO of Cantor Fitzgerald Wealth Partners (CFWP). Under his leadership, CFWP grew to over $5 billion in assets in less than two years through several strategic acquisitions of RIA's, independent advisors, and wire house teams.Prior to joining Cantor Fitzgerald, Stan was the Head of Wells Fargo Wealth Management -Eastern US Markets and President of Wachovia Wealth Markets. He provided executive leadership to the Eastern U.S. Markets and headed up the Wealth Insurance Division overseeing: the private bank, wealth brokerage, investment management, fiduciary trust services, financial planning, and insurance. Stan was responsible for leading nearly 5,000 team members generating revenues of $2.5 billion with $69 billion of investment fee-based AUM, $19 billion of deposit balances, and $16 billion of loans.Prior to Wachovia, Stan was CEO of Commerce Capital Markets, where he directed private wealth management, brokerage, asset management, fixed income trading, derivatives, investment banking, retirement services, insurance, and public finance.Subsequently, Stan was CEO of Quick and Reilly (Q&R) as one of the visionaries that transformed Q&R from a transactional discount broker to a full-service advisory company. When Q&R was acquired by Bank of America, Stan stayed on as co-CEO of Bank of America Investment Services until 2005.Over nearly a decade at Citigroup, Stan had several senior executive level roles leading different divisions including consumer banking, private wealth management, and Citigroup as Northeast Group Executive Vice President. He is also a member of the Fast Company Executive Board.Company BioSummit Financial is a preeminent investment advisory firm proud to continue our predecessors' four-decade legacy helping advisors elevate their businesses and deliver robust client experiences.

Building an advisory firm that can outlast its founder often requires challenging decisions, especially for entrepreneurs who intentionally left prior partnerships to lead a firm on their own. This episode explores what it looks like to design succession on your own terms, balance growth with cultural clarity, and make partnership, hiring, and operating-system choices that can lead to sustainable growth. Kathy Longo is the founder of Flourish Wealth Management, an RIA based in Edina, Minnesota, that oversees $455 million in assets under management for 163 client households. Listen in as Kathy shares why she chose to bring on a partner after previously leaving a partnership at a previous firm to build a business she could drive individually (while also applying lessons learned from her own experience), how she completed an acquisition while minimizing risk by bringing on clients in smaller tranches, and how she adjusted her firm's operational, hiring, and career development practices to build a firm that can thrive for the long haul. For show notes and more visit: https://www.kitces.com/476

This week's guest is a big one. We're heading to Traverse City, Michigan to sit down with Chef Andy Elliott of Modern Bird - fresh off being named one of the New York Times' 50 Best Restaurants in America and now a nominee for the 2026 James Beard Awards. Andy shares his full-circle journey from Chicago's fine dining scene (Boka, GT Fish & Oyster, RIA) to building one of the most celebrated restaurants in a small but mighty food town. We talk about starting out selling hand pies at the farmers market, the power of local relationships, cooking within the seasons of northern Michigan, and what it really takes to grow a restaurant sustainably outside of a major metro.We also dig into the realities of running a business with your spouse, resisting expansion for the sake of growth, and Andy's candid take on tipping culture in today's restaurant industry. If you're interested in thoughtful, ingredient-driven cooking, building community through food, or what it takes to create national buzz without losing your soul, this episode is for you.⭐ This show is brought to you by Back of House.io, the foodservice industry's most trusted resource for restaurant tech.Learn more at: https://backofhouse.io/⭐ Season 5 of So You Want to Run A Restaurant is proudly sponsored by RestauRent, the no-fee booking platform helping restaurants book private and group events.Try it risk-free with 3 free months at: https://bit.ly/soyouwanttorestaurent⭐ Follow UsPodcast: https://linktr.ee/soyouwanttorunarestaurantClaudia: https://www.instagram.com/claudia.saric/Spencer: https://www.instagram.com/restaurantspenny/

[정정사항] 21:22 내용 중 'RIA계좌를 지금 증권사 가면 만들 수 있나요?'라는 진행자의 질문에 대해 '어쨌든 신설을 사전에 할 수 있습니다.'라는 답변은 'RIA 계좌 개설이 가능하다'는 의미가 아닌, '사전 이벤트로 발급 신청을 할 수 있다'는 의미 입니다. 현 시점에서 증권사를 통한 RIA 계좌 개설은 불가능한 것이 맞습니다. 정보 전달에 혼선을 드려 죄송합니다. [깊이 있는 경제뉴스] 1) 늘어나는 달러 구독료, 환율·물가도 자극한다 2) 李 “등록 임대에 영구 혜택 의문".. 임사자 매물 유도? 3) RIA 계좌, 이달 내 출시 어렵다.. 이유는? - 김치형 경제뉴스 큐레이터 - 조미현 한국경제신문 기자 - 정지서 연합인포맥스 기자

Modern advisory firms are being reshaped by technology, changing client expectations and the need for deeper personalization. How do firms scale while keeping the advisor-client relationship at the center? What role does technology really play in growth without replacing the human element? In this episode, host David Armstrong speaks with Alex Farman-Farmaian, CEO of Compound Planning, about building an all-digital, integrated RIA—with human advisors at the center—that provides clients with a unified experience across multiple service offerings—including tax preparation.  Alex explains how AI-powered workflows and integrations enable advisors to serve clients more efficiently as the human touchpoint, while providing a better experience for clients. He also shares how Compound recruits next-generation advisors, integrates tax services and drives growth by focusing on equity- and option-compensated executives of fast-growing tech firms approaching liquidity events. Key takeaways: How internal technology reduces advisor workload and increases client capacity Why proactive advice across a client's full balance sheet drives stronger relationships and accelerates organic growth How the firm uses AI to support advisor work without replacing human judgment How modern tech helps recruit growth-minded,  younger advisors. How it partners with firms to educate execs with equity-based compensation plans on navigating liquidity events.  Resources: Listen to the RIA Edge Podcast on Wealth Management Listen and Subscribe to the RIA Edge Podcast on Apple Podcasts Listen and Subscribe to the RIA Edge Podcast on Spotify Connect With David Armstrong: Wealth Management LinkedIn: Wealth Management LinkedIn: David Armstrong Twitter: David Armstrong LinkedIn: Informa Connect With Alex Farman-Farmaian: LinkedIn: Alex Farman-Farmaian LinkedIn: Compound Planning Website: Compound Planning About Our Guest: Alex Farman-Farmaian is the Co-Founder and Chief Executive Officer of Compound Planning, responsible for growing the firm to 50+ advisors and over $4 billion in AUM since 2022, and guiding the strategic direction of the firm's robust wealth management technology and advisory service offerings. Previously, Alex was the 20th employee at Carta, where he built numerous sales teams across the country as Carta scaled to 1,000 employees and a $7B+ valuation from Silver Lake. Alex is an expert in equity compensation and is passionate about tax-efficient equity strategies.

Should you register a new RIA, or simply buy an existing RIA?If you are considering transitioning your practice to the RIA model, you have multiple pathways to choose from.Some advisors conclude they want to have their own RIA, others conclude joining an existing RIA offering is the better fit, etc.If having your own RIA is your chosen path, you might wonder if simply buying an RIA (as part of your transition) is the easier route to take to get into the model, versus going through the process of formally registering a new RIA.As I explain in this episode (#141) of the Transition To RIA question and answer series, it is generally advisable in this scenario to register a new RIA, versus buying an existing 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/is-it-easier-to-acquire-an-existing-ria-or-register-a-new-one/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B 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 if your accredited clients could tap into institutional-quality private deals without locking up their money for a decade?   In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Joseph DaGrosa Jr., Founder and Chairman of DaGrosa Capital Partners LLC, who explains how his career evolved from auditing at a wirehouse to partnering with an early leveraged buyout pioneer and ultimately building Access Capital to open private equity and private credit to the mass affluent accredited investor market. He also shares why interval funds, rigorous sub-advisor due diligence, and his new educational resource, The Financial Advisor's Guide to Private Investments, are helping RIAs bring institutional-style private allocations to a broader client base.   Key Takeaways: → Why the accredited investor segment represents a massive, historically underserved opportunity for private investments. → How the rules of the Investment Company Act of 1940 limit traditional private equity vehicles. → How Access Capital structures registered vehicles to bring private equity and private credit access to mass affluent accredited investors. → What interval funds are, how their semi-liquid structure works, and why they may be a fit for long-term investors who want private exposure with periodic liquidity. → Why RIAs and RIA aggregators are turning to outsourced CIO relationships to help them evaluate and implement private investments at scale.   Joseph DaGrosa Jr. is the Founder and Chairman of DaGrosa Capital Partners (DCP) and a veteran investor with over 30 years of experience across sports, entertainment, real estate, hospitality, aviation, retail, and more. He has led more than $2 billion in capitalized transactions and oversees several DCP portfolio companies, including Axxes Capital, Kapital Football Group, and Soccerex, the world's largest organizer of soccer business conferences. DaGrosa previously co-founded Quinn Residences, a $900 million single-family rental platform, and played key leadership roles in major turnarounds and acquisitions, including Heartland Food Corp., Jet Support Services Inc., and F.C. Girondins de Bordeaux. Earlier in his career, he was a partner at Maplewood Partners and began in capital markets at Paine Webber.   Connect With Joe: Website: https://dagrosacp.com/ X: https://x.com/joe_dagrosa LinkedIn: https://www.linkedin.com/in/joseph-dagrosa-jr-59415934/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Tax planning has become an integral part of a comprehensive financial planning service offering and a way for advisors to offer hard-dollar value for their clients. In this episode, we explore how integrating tax preparation, proactive tax planning, and outside tax expertise can deepen client value, diversify revenue, and accelerate firm growth. Erik Brenner is the CEO of Hilltop Wealth and Tax Solutions, an RIA based in Mishawaka, Indiana, overseeing approximately $600 million in AUM for 830 client households. Listen in as Erik shares how he doubled his firm's AUM in three years in part by building a comprehensive, three-pronged tax strategy that combines in-house tax preparation, advisor-led tax planning analysis, and outsourced expertise for complex cases. We also discuss why he chose to launch a separate but integrated tax business that is profitable in its own right rather than treating tax prep as a loss leader, how in-person dinner seminars focused on retirement tax strategies drive nearly half of the firm's new clients, and how taking a systematic approach has helped Erik's firm boost the number of Google and other online reviews it receives. For show notes and more visit: https://www.kitces.com/475  

Most RIAs continue to grow in assets, client demand, and professionalization, but structurally, the majority remain founder-focused organizations. While growth itself is no longer the primary challenge, leadership capacity increasingly is.In this episode, Ray Sclafani explains why leadership bench strength, not markets, not strategy, and not capital, is the real constraint on long-term RIA growth. Drawing from two real-world coaching engagements with multi-billion-dollar RIA CEOs, Ray contrasts two leadership postures: one focused on building optionality through distributed leadership, and another clinging to centralized control as time quietly narrows future choices.Ray makes the case that building a leadership bench is not about stepping down, it's about designing leadership intentionally, years before necessity forces decisions. Firms that develop leaders, establish decision rights, and transfer trust internally create options: to evolve as CEO, shift roles, bring in external leadership, or transition ownership on their terms.The episode concludes with reflection questions for founders and executive teams who want to build enduring firms.Key Takeaways Nearly 90% of RIAs operate as founder-focused firms, limiting future optionsPast success does not automatically qualify a leader for the firm's next stageLeadership benches take three to five years to build when done wellWithout distributed leadership, options narrow quickly due to time, health, or external pressureTeam-based firms outperform founder-led firms because leadership responsibility is sharedEnduring RIAs design leadership intentionally before they are forced toQuestions Financial Advisors Often AskQ: What is leadership bench strength in an RIA?A: Leadership bench strength refers to having multiple developed leaders within the firm who are trusted, empowered, and capable of carrying leadership responsibility beyond one or two individuals.Q: Why is leadership bench strength important for RIA growth?A: According to the episode, leadership capacity and internal bandwidth are primary constraints on RIA growth, even as assets and client demand continue to rise.Q: How long does it take to build a leadership bench in an advisory firm?A: When done well, building a leadership bench takes a minimum of three to five years and requires intentional role design, decision rights, and leadership development.Q: What happens if leadership remains concentrated with the founder?A: When leadership capability lives primarily in one or two people, options narrow over time, and decisions are often made by circumstance rather than intention.Q: What role does trust play in leadership development?A: Trust transfer internally is essential as leaders must be developed, trusted, and empowered ahead of necessity for options to expand.

The Barron's Hall of Fame advisor discusses the mindset that built the nation's top RIA and how he approaches innovation and investing in a fast changing world. Host: Steve Sanduski, CFP. Learn more about your ad choices. Visit megaphone.fm/adchoices

Robert R. Sayler, Wealth Advisor, and Ronald Lenihan, Managing Partner at SeaCrest Wealth Management, discuss what differentiates the firm in today's competitive RIA landscape. They share how SeaCrest supports advisors nationwide while preserving true independence, what flexibility looks like in practice, and why advisors are choosing the firm as a long-term growth partner amid industry consolidation.

Joshua and Amelie share their thoughts on what should go into a business emergency plan. As a section in your business plan, the emergency plan is there to guide you whenever there is any kind of action that causes a disruption to your normal business operations, from natural disasters that displace you for weeks or months to power outages that last just a few hours. Top takeaways: A written emergency plan shows that you care about serving your clients. The SEC requires a disaster recovery plan for Registered Investment Advisors (RIAs). Sections to include in your emergency plan include: Office Space - including short term and long term plans Equipment - including your computer and phone Regulatory - including liability and access to client data Third party vendors - including key contacts at each Employees - emergency recovery plan for employees Critical contact list - contact information for clients in the case of an emergency A small battery back up system for your computer combined with the plan to use your phone as a hotspot are simple starting points. Having suitable alternative office spaces readily available will help when an actual emergency happens. A password management system can help give you access to your important websites, passwords and third party vendors. Include software security for any new or alternative equipment in the appropriate section. Make a paper copy of your business recovery plan for easy access. Notify clients of an emergency or change to your business only when they're impacted (e.g., upcoming meetings you may miss). Documentation of your plan is important, but you can start with big picture steps and refine it over time. You can contact an RIA compliance consultant for a template.

Don and Tom examine the long disciplinary history of former broker James Tuberosa and his attempt to reinvent himself as a registered investment advisor through a newly formed firm, highlighting how fiduciary language can be used to mask conflicts driven by insurance commissions. They walk listeners through the importance of reading Form ADV disclosures and explain how regulatory gaps allow questionable practices to continue. The episode reinforces the principle of “buyer beware” before shifting to listener questions on saving for major expenses, evaluating high-fee annuities for elderly retirees, Roth IRA investing for young adults, and the advantages modern investors enjoy from lower costs and better diversification. The show closes with reflections on financial literacy, generational investing improvements, and a preview of RetireMeet 2026. 0:05 Opening and setup: broker misconduct story 0:10 James Tuberosa's career and long record of complaints 1:14 FINRA expulsion and failed expungement lawsuit 2:42 How complaints get quietly “settled” 3:51 Shift from broker to RIA status 4:49 Skyview Pinnacle and the “clean” front 5:48 Using fiduciary language as marketing cover 7:17 Why insurance escapes SEC oversight 8:22 Conflicts disclosed in ADV 9:19 Why disclosures matter 10:47 Warning signs: promises and product pitching 12:01 Weakness of fiduciary protection 13:08 Ethical failures at large firms 14:38 Fiduciary vs. commission contradiction 15:36 Why reading ADVs protects investors 16:17 Transition to listener questions 17:16 Sinking funds: investing vs. saving 18:40 Planning for major home repairs 19:36 Elderly couple and complex annuity 21:01 Risks of high-fee variable annuities 22:36 Best Roth IRA investment for young adults 23:24 Advantages for today's investors 24:58 Lower costs and better diversification today 26:38 Historical perspective on investing access 28:10 Listener engagement and contact info Learn more about your ad choices. Visit megaphone.fm/adchoices

elcome back to Womanology! In this episode, Ria sits down with Dom from the Whiskey Sour Podcast for a crossover event you don't want to miss. We are diving deep into the shocking divorce of social media sweethearts Kristy and Desmond. We break down the alleged infidelity, the strict Jehovah's Witness rules regarding divorce, and why the "perfect couple" aesthetic is crumbling before our eyes.  Plus, we're taking a trip down memory lane to the golden era of 2016—when LA was a vibe, James Harden was at Roscoe's, and Instagram was just for fun. We also get real about toxic internet trolling, beauty standards (from Serena Williams to K. Michelle), and the messiness of friends dating exes. Follow Womanology on Instagram (@womanology_Podcast) Email the show at straightolc@gmail.com                  Hit the Voicemail at 641-715-3900 Ext. 769558 Follow SOLC Network online Instagram: https://bit.ly/39VL542   Twitter: https://bit.ly/39aL395   Facebook: https://bit.ly/3sQn7je   To Listen to the Podcast Podbean https://bit.ly/3t7SDJH                    YouTube http://bit.ly/3ouZqJU                    Spotify http://spoti.fi/3pwZZnJ                   Apple http://apple.co/39rwjD1                    Stitcher http://bit.ly/3puGQ5P                 IHeartRadio http://ihr.fm/2L0A2y1

Serving ultra-high-net-worth families requires more than technical expertise. It demands deep attention to detail, a strong supporting team, and a planning approach capable of navigating complex tax, estate, and investment structures. This episode explores what it really takes for advisors to successfully move 'upmarket' and support clients whose financial lives involve high stakes, fast-moving parts, and opportunities measured in millions. Blair duQuesnay is a Lead Advisor at Ritholtz Wealth Management, an RIA based in New York City that oversees $6.5 billion in AUM for 3,900 households. Listen in as Blair shares how she transitioned from working with traditional wealth-management clients to serving ultra-high-net-worth families, and what she learned about applying advanced expertise in real-world scenarios where accuracy and timeliness are critical. You'll hear why flat-fee models often make more sense than AUM fees at the highest wealth levels, how she demonstrates multimillion-dollar planning value through sophisticated tax and estate strategies, and how UHNW clients' biggest fear isn't running out of money but making a catastrophic financial mistake. We also discuss how Blair manages impostor syndrome, the confidence that comes from having a strong team behind her, and why advisors can thrive with any client segment as long as they intentionally choose the work they enjoy most. For show notes and more visit: https://www.kitces.com/474

In this episode of the TPR podcast, Matthew Jarvis and Shelby Nicholl discuss the complexities and considerations involved in transitioning to a Registered Investment Advisor (RIA) model. They explore the realistic timeframes for making the move, the importance of due diligence, and the various options available, including RIA platforms. Shelby emphasizes the significance of proper messaging and client retention during the transition, as well as the necessity of compliance and the benefits of hiring a compliance consultant. The conversation also highlights the RIA Launch Accelerator program, designed to assist advisors in navigating the transition process effectively. Client Retention Strategies With Shelby Nicholl [Episode 345] Resources in today's episode: - Matt Jarvis: Website | LinkedIn - Shelby Nichol: Website | LinkedIn - Learn More about our Coaching Programs