Podcasts about Ria

About fifteen years ago, I gave up the conversation around balance entirely. The word I use instead is integration, and in this holiday episode I share why that shift transforms how entrepreneurs experience everything from year-end deal closings to family obligations. In this holiday episode of the DealQuest Podcast, I share reflections on 2025, point to must-listen episodes, preview what's coming in 2026, and break down the integration mindset that has shaped my approach to business and life. WHAT YOU'LL LEARN: In this episode, you'll discover why the balance conversation creates unnecessary stress, the four episodes from 2025 worth revisiting, what's coming in January with my partner Brian Meegan, how designing where you live and which clients you take on become integration decisions, why great mergers have integration at their core while failed ones have integration problems, and how clarity creates filters for better decisions. MY INTEGRATION JOURNEY: Balance frames everything as separate competing demands pulling in different directions. Integration creates a lens where choices support multiple priorities simultaneously. Living in Marina del Rey serves integration. Fifteen minutes from LAX. Secure building. Walking my dog along the promenade during breaks. Cold brew moments on the patio before M&A negotiations. Every choice reduces friction. EPISODES WORTH REVISITING: Dave Hersh on Episode 381 delivered one of my favorite interviews ever, sharing hard truths about post-exit challenges through his inner board meeting framework. Bob Bush on Episode 377 told his remarkable journey from East St. Louis to founding Mutombo Coffee with the late Dikembe Mutombo. Jodi Hume on Episode 366 helps founders avoid the regrets that plague up to 85% of entrepreneurs after exits. Hikari Senju on Episode 354 offered a different lens on building AI companies through strategic bootstrapping. WHAT'S COMING IN 2026: January kicks off with my partner Brian Meegan joining to discuss what we're seeing in the deal landscape. Special series are planned diving deep into specific industries similar to our RIA aggregator coverage. KEY INSIGHTS: The great mergers and acquisitions have integration at their core. The ones that fail typically have integration problems. Choosing podcasting over a weekly column reflects integration thinking. This format feels like an extension of who I am rather than an obligation. When you have clarity about what integrates in your life, it creates a filter for decisions, just like whiteboarding sessions create filters for M&A clients. Perfect for entrepreneurs feeling pulled in too many directions, business owners heading into year-end closings, and dealmakers who want to understand how integration principles apply to M&A success. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/holiday2025 FOR MORE ON COREY KUPFER https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: Holiday wishes to the DealQuest community [02:00] - Episode recommendations: Four must-listen conversations from 2025 [04:00] - Dave Hersh Episode 381: Psychology behind successful exits "[05:00] - Bob Bush Episode 377: Global dealmaking and Mutombo Coffee [06:00] - Jodi Hume Episode 366: Avoiding post-exit regret [06:30] - Hikari Senju Episode 354: Strategic bootstrapping for AI companies [07:00] - What's coming in 2026 with Brian Meegan [09:00] - The integration versus balance conversation [11:00] - Designing life for integration: Marina del Rey example [14:00] - Integration in deals: Why great M&A has integration at its core [15:00] - Clarity as a filter for decisions [15:30] - Closing thoughts and gratitude Host Bio:Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. He is the creator and host of the DealQuest Podcast and managing partner of Kupfer PLLC. Show Description: Do you want your business to grow faster? The DealQuest Podcast reveals how successful entrepreneurs use strategic deals to accelerate growth. From mergers and acquisitions to capital raising, joint ventures, and strategic alliances, this show covers the full spectrum of deal-driven growth strategies. Related Episodes: Episode 381 - Dave Hersh: The Psychology Behind Successful Exits Episode 377 - Bob Bush: From East St. Louis to Global Dealmaking and Mutombo Coffee Episode 366 - Jodi Hume: Founder Regret, Exit Clarity and What Money Can't Buy Episode 354 - Hikari Senju: Building AI-Powered Companies Through Strategic Bootstrapping Episode 328 - Richard Manders: Scale Business Growth and Personal Freedom Episode 323 - Holiday Solocast: Taking Stock and Completing the Year Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Keywords/Tags: holiday solocast, integration versus balance, work life integration, best podcast episodes 2025, dealquest podcast, Corey Kupfer, M&A insights, post-exit challenges, deal-driven growth, Brian Meegan, 2026 preview

Meta compra Manus, una startup de agentes de inteligencia artificial autónomos que ya genera más de cien millones de dólares al añoPor Félix Riaño @LocutorCoMeta acaba de cerrar una de las compras más comentadas del año en inteligencia artificial. La empresa de Mark Zuckerberg va a integrar agentes autónomos capaces de trabajar casi sin intervención humana. Se trata de Manus, una startup fundada por emprendedores chinos y hoy con sede en Singapur, que ya tiene millones de usuarios de pago y más de cien millones de dólares en ingresos anuales. ¿Qué cambia cuando una inteligencia artificial deja de responder y empieza a actuar por su cuenta?Cuando la inteligencia artificial deja de chatear y empieza a tomar decisiones.Meta Platforms ha anunciado la compra de Manus, una startup de inteligencia artificial que se ha hecho famosa por una idea muy concreta: crear agentes que trabajan de forma autónoma. Estos agentes reciben una instrucción general, planifican los pasos, ejecutan tareas complejas y entregan un resultado final sin que el usuario tenga que intervenir todo el tiempo.Manus nació en China en el año dos mil veintidós dentro de una empresa llamada Butterfly Effect. Con el aumento de las tensiones tecnológicas entre Estados Unidos y China, la empresa trasladó su sede a Singapur y dejó de operar en territorio chino. Desde allí lanzó su producto al mercado global.En pocos meses, Manus aseguró haber conseguido millones de usuarios y más de cien millones de dólares en ingresos recurrentes al año, gracias a suscripciones mensuales y anuales. Esa cifra llamó la atención de Meta, que lleva años apostándolo todo a la inteligencia artificial.—La gran pregunta es qué diferencia a Manus de otros asistentes como los chatbots tradicionales. La respuesta está en el nivel de autonomía. Mientras la mayoría de herramientas actuales esperan instrucciones paso a paso, Manus afirma que sus agentes pueden encargarse de todo el proceso.Por ejemplo, pueden hacer una investigación de mercado completa, analizar datos financieros, revisar hojas de vida, escribir código o planear un viaje entero. Todo con una sola orden inicial. Para muchos expertos, esto marca un cambio profundo en cómo usamos la inteligencia artificial en el trabajo diario.Pero también aparecen dudas. Manus fue fundada por emprendedores chinos y tuvo inversión de empresas de ese país. En Estados Unidos, cualquier proyecto de inteligencia artificial con raíces chinas despierta preocupación política. Algunos senadores ya han cuestionado el origen del capital y el acceso a datos sensibles. Meta ha respondido que, tras la compra, no quedará ninguna participación china y que Manus dejará cualquier operación pendiente en China.Meta ha sido clara en su estrategia. Manus va a seguir funcionando como servicio independiente, con sus planes de suscripción actuales, pero sus agentes se van a integrar poco a poco en productos como Facebook, Instagram y WhatsApp, donde ya existe Meta AI.La idea encaja con la visión de Mark Zuckerberg sobre una inteligencia artificial personal, presente en el día a día de las personas y las empresas. Meta quiere que estos agentes ayuden a organizar negocios pequeños, responder clientes, analizar información y automatizar tareas repetitivas.Según reportes de medios como The Wall Street Journal y Reuters, la operación estaría valorada entre dos mil y tres mil millones de dólares. Esto convierte a Manus en una de las compras más grandes de Meta en inteligencia artificial aplicada al mundo real, con ingresos comprobados.Para Meta, hay un mensaje claro hacia inversores y competidores. Esta vez no se trata solo de investigación, sino de una inteligencia artificial que ya gana dinero y que puede escalar a miles de millones de usuarios.La compra de Manus no llega sola. Durante este año, Meta ha acelerado su gasto en inteligencia artificial. En junio invirtió más de catorce mil millones de dólares para quedarse con casi la mitad de Scale AI, una empresa especializada en datos para entrenar modelos. También ha fichado talento directamente de empresas rivales como OpenAI y Google.Manus, por su parte, asegura haber procesado más de ciento cuarenta y siete billones de tokens de texto y datos, y haber creado más de ochenta millones de computadoras virtuales para ejecutar tareas de forma paralela. Son cifras enormes, pensadas para mostrar músculo tecnológico.Antes de la compra, Manus fue comparada con DeepSeek, otro desarrollo chino que llamó la atención por su rendimiento. Incluso Microsoft llegó a probar sus agentes en Windows once para crear páginas web a partir de archivos locales.Ahora, con Meta detrás, el reto será ganar la confianza de empresas que han visto a Meta envuelta en polémicas por el uso de datos. La pregunta ya no es si los agentes autónomos funcionan, sino quién se atreverá a usarlos a gran escala.Meta apuesta fuerte por una inteligencia artificial que actúa sola y ya genera ingresos reales. Manus pasa de startup prometedora a pieza central del futuro de Meta. La carrera por los agentes autónomos acaba de acelerar. Cuéntanos qué opinas y sigue Flash Diario en Spotify.

How will wealth management change in 2026? In this episode of Bank on Wipfli, join Wipfli's Robert Zondag for a conversation with Diamond Consultants CEO Louis Diamond and Wipfli partner Ron Niemasyk about the evolving dynamics of the industry in areas like recruitment, tech and private equity partnerships — plus how wealth management advisory firms are adapting to keep up.Listen for a rundown on key trends that will shape wealth management over the next 12 months, including:Firms moving towards advisory-focused business models, including why tax and estate planning have become expected service offerings.Wealth advisors leaning heavily on technology to drive growth, including AI, CRM integration and a focus on operational efficiency.Private equity's growing interest in the registered investment advisor (RIA) sector, what's driving record 10-12x EBITDA valuations, and why long-term success can depend on capital decisions.Key recruiting and retention strategies, including a holistic approach that embraces flexibility, culture, technology and succession planning.Major recruiting red flags, like compensation changes, limited growth support and a lack of integration into the team.

Rusia patenta una estación espacial giratoria que creará gravedad artificial para cuidar la salud de astronautas. Por Félix Riaño @LocutorCo  Rusia ha presentado el diseño de una estación espacial que gira para generar gravedad artificial. La idea es sencilla de explicar y compleja de construir: hacer rotar módulos habitables para que la fuerza centrífuga empuje a los astronautas contra el suelo. Así podrían caminar, dormir y trabajar sin flotar. El proyecto parte de un diseño patentado por Energia, justo cuando la International Space Station se acerca a su retiro definitivo. La pregunta es directa: ¿vamos a ver por primera vez una estación espacial donde vivir se parezca más a estar en la Tierra?La idea es antigua, pero los obstáculos técnicos siguen siendo enormes  Desde hace décadas, vivir en el espacio implica flotar. En la Estación Espacial Internacional, los astronautas pasan meses en microgravedad. Esto afecta al cuerpo humano de muchas formas. Los huesos pierden densidad. Los músculos se debilitan. El corazón se acostumbra a bombear sangre sin esfuerzo. Incluso la vista y la memoria pueden cambiar.Rusia quiere atacar ese problema de raíz. El diseño patentado describe una estación que gira cinco veces por minuto. Al hacerlo, genera una fuerza que imita el cincuenta por ciento de la gravedad de la Tierra. No sería como estar en casa, pero sí lo bastante fuerte para caminar sin despegar los pies del suelo.El concepto recuerda a escenas clásicas del cine, como la estación giratoria de 2001: A Space Odyssey, donde los personajes caminan por paredes curvas como si fuera algo normal. El problema de la gravedad no es nuevo. Desde los primeros vuelos espaciales se sabe que el cuerpo humano no está diseñado para vivir mucho tiempo sin peso. En la Estación Espacial Internacional, los astronautas hacen ejercicio unas dos horas al día solo para frenar el deterioro físico. Aun así, muchos regresan a la Tierra con dificultad para caminar.Crear gravedad artificial parece una solución clara, pero construirla es todo menos simple. Una estación giratoria necesita un equilibrio perfecto. Si gira muy rápido, provoca mareos. Si gira lento, no genera fuerza suficiente. En este diseño, los módulos habitables tendrían que extenderse unos cuarenta metros desde el centro para lograr el efecto deseado.Además, montar algo así en órbita es un desafío enorme. Cada pieza debe lanzarse por separado y ensamblarse en el espacio. Acoplar naves a una estructura que está girando añade riesgos que los ingenieros conocen bien.  El plan ruso no llega con fechas ni presupuestos confirmados. Es un diseño patentado, una señal de intención más que una obra en marcha. Aun así, aparece en un momento clave. La Estación Espacial Internacional va a retirarse alrededor de dos mil treinta. Rusia, a través de Roscosmos, ya trabaja en su propia estación orbital, conocida como ROSS, y estudia reutilizar algunos de sus módulos actuales.Mientras tanto, otras potencias avanzan por caminos distintos. NASA y la European Space Agency preparan la estación Lunar Gateway, que va a orbitar la Luna como paso previo a futuras misiones. En paralelo, empresas privadas también exploran estaciones giratorias.Este diseño ruso plantea un futuro mixto: un núcleo central sin rotación para experimentos en microgravedad y brazos exteriores con gravedad parcial para la vida diaria. Una especie de laboratorio y hogar al mismo tiempo.  La idea de una estación giratoria no nació hoy. A comienzos del siglo veinte, el científico ruso Konstantin Tsiolkovskyya hablaba de hábitats espaciales que giraban. Más tarde, el ingeniero Wernher von Braun popularizó el concepto en revistas y documentales.En mil novecientos setenta y cinco, NASA y la Universidad de Stanford propusieron el famoso Stanford Torus, una gigantesca estación en forma de anillo de casi dos kilómetros de diámetro, pensada para diez mil personas. Nunca se construyó.Más recientemente, la empresa estadounidense Vast trabaja en su propio concepto giratorio llamado Haven. Lanzaron un pequeño módulo de prueba y esperan empezar a enviar piezas mayores a partir de dos mil veintiséis.Todo esto muestra que la gravedad artificial sigue siendo una promesa pendiente. Cada intento deja lecciones técnicas, médicas y humanas para el siguiente. Rusia ha patentado una estación espacial que gira para crear gravedad artificial y cuidar la salud de los astronautas. La idea no es nueva, pero el momento es clave. El fin de la Estación Espacial Internacional abre la puerta a nuevas formas de vivir en órbita. ¿Te gustaría vivir en una estación donde se pueda caminar? Cuéntalo y sigue Flash Diario en Spotify.  BibliografíaThe Telegraphhttps://www.telegraph.co.uk/world-news/2025/12/29/russia-plans-anti-gravity-space-station/Interesting Engineeringhttps://interestingengineering.com/space/russia-patents-space-station-with-artificial-gravityThe Brighter Side of Newshttps://www.thebrighterside.news/post/russia-patents-a-modular-spacecraft-designed-to-create-artificial-gravity/The US Sunhttps://www.the-sun.com/tech/15708063/russia-plans-space-station-artificial-gravity-astronauts-walk/Conviértete en un seguidor 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. 

Google va a permitir cambiar direcciones @gmail.com sin perder datos ni accesos.Por Félix Riaño @LocutorCoDurante años, tu dirección de Gmail era una decisión para toda la vida. Si elegiste un nombre extraño, infantil o poco profesional, no había marcha atrás. Podías cambiar tu nombre visible, pero la dirección terminada en @gmail.com quedaba fija para siempre. Muchas personas convivieron con eso por trabajo, estudios y trámites oficiales. Hoy esa regla empieza a moverse.Google confirmó en una página de soporte que va a habilitar, de forma gradual, una opción muy esperada: cambiar tu dirección @gmail.com por otra nueva, sin crear una cuenta distinta y sin perder nada. La información apareció primero en India y ya está generando preguntas claras. ¿Cuándo llegará a otros países? ¿Qué pasa con los correos antiguos? ¿Habrá riesgos reales para tu cuenta?El giro llega tardeDurante mucho tiempo, Gmail fue rígido con este tema. Si tu cuenta terminaba en @gmail.com, la respuesta oficial era simple: no se puede cambiar. La única salida era crear otra cuenta desde cero. Eso implicaba mover contactos, fotos, documentos, suscripciones y accesos a servicios como YouTube, Maps o Drive. Para muchas personas, ese cambio era inviable.Ahora, en un documento oficial de ayuda, Google explica un proceso nuevo. El texto aparece, por ahora, solo en hindi. Aun así, el mensaje es claro. Vas a poder cambiar tu dirección @gmail.com por otra también terminada en @gmail.com. No será una cuenta nueva. Será la misma cuenta, con dos direcciones activas. La original quedará como alias y seguirá funcionando.Este cambio llega con reglas claras que conviene entender bien. La primera: no es inmediato para todo el mundo. Google dice que el despliegue será gradual. Eso significa que algunas personas lo verán antes y otras tendrán que esperar semanas o meses.La segunda regla es el tiempo. Una vez hagas el cambio, no vas a poder modificar ni eliminar direcciones durante doce meses completos. Un año entero. Eso obliga a pensar bien el nuevo nombre antes de confirmarlo.También hay límites. Cada cuenta podrá tener hasta cuatro direcciones en total. Es decir, la original más tres cambios posibles a lo largo del tiempo. Además, tu dirección antigua seguirá apareciendo en algunos lugares, como eventos viejos de Google Calendar creados antes del cambio. No todo se actualiza de golpe.La parte más tranquila de esta historia es la que tiene que ver con tus datos. Google asegura que nada se pierde. Fotos, correos antiguos, mensajes, archivos de Drive y compras seguirán exactamente igual.Vas a poder iniciar sesión con la dirección vieja o con la nueva. Ambas llevarán a la misma cuenta. Los correos enviados a cualquiera de las dos direcciones llegarán al mismo buzón. Incluso vas a poder seguir enviando correos desde la dirección antigua si así lo deseas.La dirección original seguirá siendo tuya para siempre. Nadie más podrá usarla. Eso reduce riesgos de suplantación o confusión. Cuando la función esté activa, el cambio se hará desde “Mi cuenta”, en la sección de información personal, tanto en computador como en móvil.Este movimiento acerca a Gmail a lo que ya ofrecen otros servicios de correo. Outlook, por ejemplo, permite crear alias y cambiar direcciones desde hace tiempo. En Google Workspace, el servicio para empresas, estas opciones existen, pero bajo administración y pago.Por ahora, todo indica que el despliegue empezó en India y luego se irá ampliando a más países. No hay fecha oficial para América Latina o Europa, pero el lenguaje de Google apunta a un lanzamiento global progresivo.Si hoy entras a la configuración y no ves la opción, es normal. No significa que tu cuenta esté excluida. Significa que todavía no te toca. La recomendación es simple: revisar de vez en cuando la sección de correo en tu cuenta de Google y esperar el aviso.

[깊이 있는 경제뉴스] 1) 손익통산부터 RIA까지.. 복잡해진 서학개미 절세 셈법 2) 중국, GDP 대비 부채 300% 넘어.. 세계 경제 파장은? - 김아름 머니투데이방송 기자 - 조미현 한국경제신문 기자 [친절한 경제] 인공지능은 각종 데이터를 공짜로 수집하나요? - 청취자 김유미 씨

This week's Money Wise episode takes a step back to assess where markets stand as the year winds down and the Santa Claus rally remains firmly in focus. With a holiday-shortened trading week and lighter volume, the S&P 500 edged closer to a new all-time closing high, supported by strong performance over the final five trading days of December. The guys discuss why late-year seasonality still matters and how recent gains align with historical Santa Claus rally patterns. Beyond market action, the conversation shifts to the broader economic backdrop. Despite incomplete and delayed data from the recent government shutdown, key indicators point to continued momentum: third-quarter GDP growth came in at a strong 4.3%, savings rates are rising toward 5%, and consumer spending remains a major driver of economic expansion. The Money Wise guys push back on narratives suggesting growth is narrowly driven by AI infrastructure, emphasizing that consumer activity continues to power a significant share of GDP. With year-end optimism intact and early 2026 catalysts on the horizon, the episode reinforces why long-term perspective matters, especially when headlines focus more on costs than growth. The Santa Claus Rally A Santa Claus rally refers to the market's historical tendency to rise during the final trading days of December and the first few days of January. This period is often supported by seasonal optimism, lighter trading volumes, and investors repositioning portfolios for the year ahead. When it occurs, it can help improve overall market sentiment and reinforce confidence after a full year of trading. A strong year-end rally may also provide momentum as markets enter the new year. While not guaranteed, it's a pattern investors often watch closely as a gauge of near-term market tone. 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.

On this episode, we welcome Sheryl Ann Syby, Assistant Vice President of Women's and Children's Services at Cooperman Barnabas Medical Center.  Sheryl has over 35 years of nursing experience, specializing in women's and children's health including pediatric care, OB Clinic, Family Centered Care, and Neonatal intensive Care unit. This is one of the topics that is near and dear to our hearts at Seelaus.  Sheryl's career journey has given her a front lines of the myriad issues that women and babies face and how the medical community is evolving to address their most critical needs including a Centering program for women that empowers women to advocate for themselves. About Sheryl SybySheryl has over 35 years of nursing experience, specializing in women's and children's health. Prior to joining CBMC in 2024, she worked at Holy Name Medical Center as Director of Women's and Children's Services. More recently, Sheryl worked as the Assistant Vice President of Nursing at Hudson Regional Hospital. There she obtained operational experience broadened by her work in various clinical areas, including emergency medicine, perioperative services, case management, emergency management, security, and hospital education. Sheryl has a bachelor's degree from Farleigh Dickinson University and her master's degree in Leadership/Administration from Aspen University.About Cooperman Barnabas Medical CenterCooperman Barnabas Medical Center (CBMC) is a fully accredited acute care hospital and offers a comprehensive array of services including advanced cancer care, sophisticated neurology and neurosurgery services including a neuro-interventional lab and cardiac care featuring three cardiac catheterization labs.About R. Seelaus & Co., Inc. R. Seelaus & Co., Inc. was founded in 1984 by Richard Seelaus, originally as a municipal bond broker-dealer. The firm has since become a certified women's business enterprise ("WBE") and has grown into a full-service financial firm that is mission driven in its commitment to creating more opportunities for women in the financial services. R. Seelaus & Co., Inc. and its subsidiaries offer investment advisory, asset management, capital markets, brokerage, fixed income and equity trading, institutional sales, leveraged finance and insurance services. The R. Seelaus & Co., LLC subsidiary is a broker dealer registered with the SEC and member of FINRA, and the subsidiary Seelaus Asset Management, LLC, is an SEC Registered Investment Advisor ("RIA"). With various fixed income trading desks and more than seventy professionals, both entities serve individuals, families, public and private companies, non-profit organizations, and institutional investors. The firm has offices in NJ, CT, New Jersey, Connecticut, Illinois, South Carolina, and Massachusetts. For more information about R. Seelaus & Co., and its subsidiaries visit www.rseelaus.com

On this TCAF Tuesday, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠! For more from special guest Sam Ro, check out: https://www.tker.co/ This episode is sponsored by Betterment Advisor Solutions and Rocket Money. Grow your RIA, your way by visiting: https://Betterment.com/advisors  Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/compound today. Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Enjoy this annual winter tale from Cider Chat Central! In this special holiday episode, Cider Chat invites you to step into the enchanting world of the Talking Pommes. The Talking Pommes Grand Winter Party is more than just a story - it's a celebration of all things pome, community, tradition, and the joy that comes with every glass of cider. The cider house hums with anticipation as Ria, Perry Pear, Mr. Quince, and the Medlars prepare the night before their annual pressing. But as every year before there is always magic in the air for Ciderville. With the Talking Pommes truly anything can happen and so it does! With snow blanketed orchards, and just the right amount of "Believe" a sleigh pulled by apples glides through the starry sky. Raise a glass and join us on this festive adventure—because in Ciderville, the magic is always just a sip away. Meet the Stars of the Cider House This holiday episode of Cider Chat brings together some of Ciderville's most delightful characters: Apple: The vibrant leader with a twinkle in their eye. The Medlars: Sweet, quirky, and always ready with a witty remark. Mr. Quince: The taskmaster who wants to be a comic Perry Pear: Full of charm and flair, a natural performer. A Wide Assortment of Pommes: From Dabinett to Kingston Black, they bring their unique personalities to the mix. The Gift of Holiday Cider Magic This story is for anyone who cherishes the magic of the season. As Apple says, "Every glass of cider holds a story, and this one's for you." From Cider Chat to all of Ciderville, we hope this episode brings joy to your holiday season. Raise a glass, gather 'round, and join the Talking Pommes and Ria in Ciderville!

iOS 26.3 abre el iPhone a relojes y audífonos de otras marcas en Europa  Por Félix Riaño @LocutorCo  Apple acaba de hacer algo que durante años parecía impensable. Con iOS 26.3, el iPhone empieza a llevarse mejor con dispositivos que no son de Apple. Esto ocurre en Europa y no llega por voluntad propia, llega por obligación legal. Según explica Gadget Hacks, audífonos y relojes de otras marcas ahora pueden conectarse más fácil y recibir notificaciones completas desde el iPhone.Las dudas aparecen de inmediato: hasta dónde va a llegar esta apertura, qué funciones siguen siendo exclusivas y por qué este cambio se aplica en Europa y no en el resto del mundo.  Apple abre puertas, pero deja llaves en su bolsillo.  iOS 26.3 introduce cambios que alteran la forma en que el iPhone se conecta con otros dispositivos dentro de la Unión Europea. Apple activa nuevas funciones de interoperabilidad tras la presión directa de la Comisión Europea, en el marco de la Ley de Mercados Digitales, conocida como DMA, tal como recoge MacRumors.La lógica de esta ley es fácil de entender. Si una empresa controla una plataforma que millones de personas usan cada día, no puede cerrar el acceso a funciones básicas para favorecer solo a sus propios productos. En este caso, el iPhone actúa como esa plataforma dominante.Con esta actualización, Apple habilita dos funciones que antes estaban casi reservadas a su propio ecosistema: el emparejamiento por proximidad para accesorios de terceros y el reenvío completo de notificaciones a relojes inteligentes que no son Apple Watch. Son cambios técnicos que impactan directamente el uso cotidiano del teléfono.  Durante años, usar accesorios que no fueran de Apple con un iPhone implicaba más pasos y más fricción. Emparejar audífonos requería entrar a Ajustes, buscar Bluetooth y seguir varios pasos. Con AirPods, el proceso era inmediato. Esa diferencia se convirtió en una ventaja competitiva clara.Con los relojes pasaba algo similar. El Apple Watch recibía notificaciones completas, con texto, nombre de la aplicación y opciones de interacción. Otros relojes recibían avisos parciales o inestables. Como explica SamMobile, esto hacía que relojes como los Galaxy Watch perdieran atractivo cuando se usaban con iPhone.Aquí surge una duda central para los reguladores europeos: esa diferencia responde a límites técnicos reales o a decisiones de diseño pensadas para empujar al usuario hacia productos Apple. La DMA responde obligando a Apple a abrir ese acceso.  Con iOS 26.3, Apple permite que accesorios de terceros se emparejen por proximidad. En la práctica, unos audífonos de otra marca se pueden conectar acercándolos al iPhone y tocando una tarjeta en pantalla. El proceso se vuelve rápido y sencillo, muy similar al de los AirPods, como detalla MacRumors.También aparece un nuevo sistema de reenvío de notificaciones. Desde Ajustes, el usuario puede elegir un reloj inteligente de otra marca para recibir notificaciones completas del iPhone. Según 9to5Mac, esta función coloca a relojes de terceros mucho más cerca de la experiencia del Apple Watch.Apple mantiene un límite claro: las notificaciones solo se envían a un dispositivo a la vez. Si se activa un reloj de otra marca, el Apple Watch deja de recibirlas. Apple cumple la norma, pero sigue marcando el perímetro.  Estas funciones solo están activas en la Unión Europea. En el resto del mundo, los menús aparecen en el sistema, pero no funcionan. Apple aplica una estrategia muy precisa: cumplir exactamente donde la ley lo exige.La Comisión Europea, citada por 9to5Mac, ha celebrado estos cambios como un paso hacia un ecosistema digital más conectado. Para Apple, el riesgo económico explica el cuidado extremo. Las multas por incumplir la DMA pueden llegar hasta el diez por ciento de su facturación global anual.Además, este proceso no termina aquí. La Unión Europea también exige alternativas a AirDrop y AirPlay antes de 2026, mayor apertura del chip NFC para pagos y acceso a tecnologías avanzadas de audio. iOS 26.3 es apenas la primera señal visible de una transformación más amplia del iPhone en Europa.  iOS 26.3 empieza a cambiar la relación entre el iPhone y los dispositivos de otras marcas en Europa. Hay más opciones y menos fricción. La duda que queda es si este modelo se va a extender a otros países. Cuéntanos qué opinas y sigue Flash Diario en Spotify.  iOS 26.3 abre el iPhone a relojes y audífonos de otras marcas en Europa por presión legal.  

Income-focused investing may seem old-school in a world dominated by total-return portfolios and model ETF allocations—but for some retirees, predictable cash flow is the key to peace of mind. This episode explores how a differentiated investment philosophy, rooted in individual income-producing securities, can become a powerful engine for both client trust and firm growth. David Scranton is the CEO of Sound Income Group, an RIA based in Fort Lauderdale, Florida, overseeing $4 billion for 10,000 client households. Listen in as David shares how he constructs income-focused portfolios using combinations of what he calls "insured options" and "contractual securities", as well as high-dividend equity instruments with a focus on individual securities rather than mutual funds or ETFs. You'll learn how steady cash flow has led to greater client retention in down markets, David's "four keys" to attracting clients, and why narrowing his investment focus (and creating systems to implement it) has ultimately allowed him to serve more families. For show notes and more visit: https://www.kitces.com/469

In this episode of the RIA Edge Podcast, host David Armstrong speaks with Arthur Ambarik, CEO of Perigon Wealth Management, about the firm's growth from a small Bay Area RIA into a multi-state, $12 billion firm with a partnership-driven model and large ambitions for the future. Ambarik shares how cultural alignment shapes mergers, why specialization within firms is becoming a critical growth driver and how long-term thinking around talent and capital structure is redefining the future of wealth management firms. Key takeaways: How Ambarik has led Perigon's journey toward becoming a national RIA, starting with $150 million in assets when he joined the firm, to a $12 billion enterprise today, supporting teams across 16 states How intentional growth plans and a partnership-driven model have fueled the success How Perigon's first equity-based acquisition in 2020 became a springboard for the future How he sees the role of the niche advisor driving future growth How the influx of private equity has impacted firms and the larger industry How Perigon sees technology as a tool for better segmenting client accounts profitably How he envisions RIAs becoming the go-to career choice for young talent, with firms driving talent generation and mentorship Resources: Listen to the RIA Edge Podcast on WealthManagement.com 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: WealthManagement.com LinkedIn: WealthManagement.com LinkedIn: David Armstrong Twitter: David Armstrong LinkedIn: Informa Connect With Arthur Ambarik: Company: Perigon Wealth Management LinkedIn: Perigon Wealth Management LinkedIn: Arthur Ambarik About Our Guest: Arthur Ambarik, CFP, is Chief Executive Officer of Perigon Wealth Management. Under his leadership, Perigon has grown to over $10.2 billion* in assets under management and expanded its national footprint through strategic acquisitions and organic growth. Named CEO of the Year in 2024 by WealthManagement.com, Arthur has played a pivotal role in Perigon's rapid ascent in the industry. He was also recognized on the Forbes Best-in-State Wealth Advisors 2024 list for California. Thanks to his leadership, Perigon has earned national recognition, including: Forbes America's Top RIA Firms Newsweek America's Top Financial Advisory Firms USA Today Best Financial Advisory Firms Financial Advisor Magazine's: Fastest-Growing RIAs Top RIAs RIA Discretionary and Non-Discretionary AUM Rankings San Francisco Business Times: Bay Area's Fastest-Growing Private Companies Arthur brings more than 20 years of experience to the role, with a career spanning advisory and operational leadership at Ameriprise and LPL. He is also a member of the Financial Advisor IQ Leadership Council. Arthur holds a B.A. in Economics from Williams College.

Un grupo activista pirateó Spotify y afirma haber copiado metadatos y millones de archivos de audio Por Félix Riaño @LocutorCoSpotify confirma que un grupo activista logró copiar grandes volúmenes de información de su catálogo musical. La situación gira alrededor de metadatos públicos y de una parte de los archivos de audio alojados en la plataforma. Según los reportes, el grupo detrás de esta acción se presenta como un proyecto de preservación cultural y asegura haber reunido una base de datos musical sin precedentes. Spotify ya desactivó las cuentas implicadas y activó nuevas medidas de protección. La pregunta es directa y preocupa a artistas, sellos y oyentes: ¿estamos ante un caso de preservación digital o frente a un nuevo episodio de piratería masiva disfrazada de archivo cultural?Preservar cultura suena bien, pero los derechos de autor quedan en riesgo. Todo comienza con una publicación en Anna's Archive, un buscador conocido por alojar bibliotecas digitales no oficiales de libros y artículos científicos. Esta vez, el foco fue la música. El grupo afirma haber copiado información de Spotify a gran escala usando accesos públicos y técnicas para sortear protecciones digitales. Hablan de 256 millones de filas de metadatos musicales y de 86 millones de archivos de audio. En conjunto, el material ocuparía cerca de 300 terabytes, una cifra que equivale a miles de discos duros domésticos llenos hasta el borde.  Spotify reconoce que existió un acceso no autorizado y asegura que ya está investigando. La empresa explica que se trató de datos públicos combinados con métodos ilegales para acceder a parte del audio. Por ahora, solo los metadatos han sido liberados públicamente. El problema va más allá de la cantidad de datos. Los metadatos incluyen nombres de canciones, artistas, álbumes, portadas y códigos ISRC, que funcionan como el número de identificación de cada grabación en el mundo. Con esa información, cualquier persona con conocimientos técnicos podría reconstruir catálogos completos y analizarlos a fondo. Anna's Archive sostiene que su objetivo es evitar que la música desaparezca si una plataforma cambia políticas, elimina contenido o cierra. El argumento conecta con una preocupación real: el streaming no es propiedad, es acceso temporal. Pero aquí aparece la tensión. Este archivo también podría facilitar copias no autorizadas, entrenar sistemas de inteligencia artificial sin licencias o crear servidores privados que reproduzcan música sin pagar derechos. Para los artistas, sobre todo los independientes, el temor es claro: menos control y menos ingresos. Spotify ya respondió. La empresa desactivó las cuentas implicadas, reforzó sus sistemas de detección y dejó claro que trabaja con la industria musical para proteger a los creadores. También subrayó que este episodio no afecta datos personales de los usuarios.El grupo activista planea liberar los archivos de audio por etapas, empezando por las canciones más escuchadas, usando los propios datos de popularidad de Spotify. Dicen que la calidad del audio varía para reducir el tamaño de los archivos, lo que refuerza su discurso de archivo funcional y no de alta fidelidad.El desenlace sigue abierto. Habrá investigaciones, posibles acciones legales y un debate que ya está sobre la mesa: cómo preservar la cultura digital sin romper el modelo que paga a quienes la crean. Este caso puede convertirse en un precedente incómodo para toda la industria musical. Para entender la escala, conviene comparar. MusicBrainz, uno de los archivos musicales abiertos más grandes y legales del mundo, reúne alrededor de cinco millones de canciones. El archivo atribuido a Anna's Archive multiplica esa cifra muchas veces y cubre casi todo lo que realmente se escucha en Spotify.Los propios datos filtrados muestran algo llamativo: una pequeña fracción de canciones concentra la mayoría de las reproducciones, mientras millones de temas apenas reciben atención. Ese patrón refuerza el discurso del grupo, que critica el enfoque del streaming en la popularidad.También aparece otra preocupación: el uso de estos datos para entrenar modelos de inteligencia artificial musical sin acuerdos de licencia. Ya ocurrió antes con textos e imágenes. La música podría ser el siguiente campo de batalla. Este episodio deja claro que la tecnología avanza más rápido que las reglas que buscan ordenarla.Un grupo activista afirma haber copiado gran parte del catálogo de Spotify en nombre de la preservación cultural. Spotify investiga y refuerza su seguridad. El debate entre acceso, archivo y derechos de autor queda abierto. Cuéntanos qué opinas y sigue Flash Diario en Spotify BibliografíaBillboardPCMagTom's HardwareMusicAllyGizmodoThe Riff ReportConviértete en un seguidor 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 the podcast we are joined by an amazing group of RIA volunteers and board members that include RIA President, Jeff Moore, Vince Scarfo, Mark Davis, Marcie Richardson, and Davis Ness. We will look at how the Restoration Industry Association moved the industry forward in 2025—and what's coming next.From record-breaking events and major advocacy wins to education updates, ethical standards, and the future of AI, this episode breaks down why RIA engagement matters and how it's shaping restoration in 2026 and beyond.

This episode of the podcast we are joined by an amazing group of RIA volunteers and board members that include RIA President, Jeff Moore, Vince Scarfo, Mark Davis, Marcie Richardson, and Davis Ness. We will look at how the Restoration Industry Association moved the industry forward in 2025—and what's coming next.From record-breaking events and major advocacy wins to education updates, ethical standards, and the future of AI, this episode breaks down why RIA engagement matters and how it's shaping restoration in 2026 and beyond.

北海道に実在する「雪で冷やす」データセンター。土地と歴史の知恵から学んだユニークな施設を紹介しました。【目次】0:00 ホワイトの正体は？0:24 土地と歴史から学んだユニークな施設7:52 いいデータセンターを見極める指標15:33 捨てられるだけの資源を最大活用24:26 地域の力を活かした創意あふれる施設【参考文献】◯電気設備学会誌 2020年5月「雪冷熱エネルギーを利用したデータセンター」https://www.jstage.jst.go.jp/article/ieiej/40/5/40_296/_pdf/-char/en◯Uptime Institute Global Data Center Survey 2024https://datacenter.uptimeinstitute.com/rs/711-RIA-145/images/2024.GlobalDataCenterSurvey.Report.pdf◯北の交差点 vol.42, 2024https://rmec.or.jp/wp-content/uploads/2024/12/13_特集_インタビュー.pdf◯EMIRA「排雪利用型データセンター実現へ!　雪に価値を与える北海道・美唄モデル」https://emira-t.jp/eq/11305/◯経済産業省資源エネルギー庁「なっとく！ 再生可能エネルギー”雪氷熱利用”」https://www.enecho.meti.go.jp/category/saving_and_new/saiene/renewable/snow/◯DCD「Data centers cooled by snow」https://www.datacenterdynamics.com/en/analysis/data-centers-cooled-by-snow/◯【PV】美唄ホワイトデータセンター構想https://www.youtube.com/watch?v=XLL5eI2e-Ys◯雪屋 媚山商店「ホワイトデータセンター構想」http://www.snowshop-kobiyama.co.jp/wdc.html◯co-mit: 旧産炭地が生んだ「ホワイトデータセンター（WDC）構想」に学ぶビジネスイノベーションツアーhttps://co-mit.jp/workation-portal/recommend/bibai/◯北の交差点 vol.24, 2009https://rmec.or.jp/wp-content/uploads/2016/03/vol24-28-29.pdf◯札幌市「令和7年度予算の概要」https://www.city.sapporo.jp/zaisei/kohyo/yosan-kessan/r7/documents/r7_yosan_gaiyou.pdf【サポーターコミュニティへの加入はこちらから！】⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://yurugengo.com/support⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠【親チャンネル：ゆる言語学ラジオ】⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@yurugengo⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠【実店舗プロジェクト：ゆる学徒カフェ】⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@yurugakuto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠【おたよりフォーム】⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://forms.gle/BLEZpLcdEPmoZTH4A⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠※皆様からの楽しいおたよりをお待ちしています！【お仕事依頼はこちら！】info@pedantic.jp【堀元見プロフィール】慶應義塾大学理工学部卒。専攻は情報工学。理屈っぽいコンテンツを作り散らかすことで生計を立てている。Twitter→⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/kenhori2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠noteマガジン→⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://note.com/kenhori2/m/m125fc4524aca⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠個人YouTube→⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@kenHorimoto⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠【水野太貴プロフィール】1995年生まれ。愛知県出身。名古屋大学文学部卒。専攻は言語学。本業は雑誌編集者。著書に『会話の0.2秒を言語学する 』（新潮社）がある。Twitter→⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/yuru_mizuno⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Lillian Turner is the Founder of Daring Greatly Wealth, and she joins the show today to share how her interest in financial planning in high school turned into owning her own firm. If you're interested in the realities of career pivots, early leadership roles, and building a firm from scratch, this episode will be especially valuable. Listen in as Lillian opens up about how growing up watching her parents struggle with money disagreements shaped her desire to help others, leading her from an accounting major to finance and into her first financial planning internship through a career fair. You'll hear how she was unexpectedly pushed into a lead advisor role at a large RIA when her boss left—which ultimately showed her it wasn't the long-term fit she wanted—as well as what led her to start her own firm and how she's navigated both the flexibility and challenges of entrepreneurship. You can find show notes and more information by clicking here: https://bit.ly/3Kl736Q

Aaron Sherman has never been interested in chasing growth for growth's sake.In this episode of The Advisor Journey, Aaron, president of Odyssey Group Wealth Advisors, shares how his firm chose a slower, more intentional path—one centered on deep client relationships, long-term clarity, and values-led decision-making.Aaron walks through his journey from Commonwealth to full independence, the decision to register his own RIA, and why control and alignment mattered more than speed. He also explains how focusing on intentional philanthropy created stronger client trust, clearer differentiation, and organic growth without forcing scale.This conversation offers a grounded perspective for advisors deciding what kind of firm they actually want to build—and what it takes to stay true to that vision over time.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

Sandi Bragar, CFP®, Chief Client Officer and Partner at Aspiriant, shares how the firm's independent, employee-owned structure shapes its client-first approach and differentiates it in the wealth management landscape. She also discusses Aspiriant's perspective on succession planning, growth priorities for the year ahead, and what advisors curious about the firm should know.

Jason Wenk is the founder and CEO of Altruist, a fully-integrated digital brokerage platform and RIA custodian designed to help fiduciary advisors optimize and scale their practices. Jason joins host Mark Gatto, co-founder and co-CEO of CION Investments, to discuss how Altruist is re-envisioning the custodial space and improving the accessibility and outcomes of financial advice.

What if financial advisors didn't just use AI tools—but had AI workers supporting their business? In this episode of Money Matters, host Chris Hensley is joined by Jonathan Michael, Director of Growth at TIFIN AXIS, to unpack what AI agents really are, how they differ from chatbots, and why they're quickly becoming a practical way for advisory firms to scale. Jonathan brings a founder's perspective from both EdTech and WealthTech and focuses on one core idea: AI should take on the operational, repetitive work that slows firms down—so advisors can spend more time where they add the most value. In this conversation, we discuss: What defines an AI agent (and what doesn't) Why AI workers are best thought of as digital co-workers Where agents outperform traditional software and manual workflows Why structured prompting is a best practice for reliability and oversight How verification loops reduce AI errors and improve confidence The role of data infrastructure in deploying AI responsibly What the RIA of the future looks like with humans and AI working together If you're a financial advisor or RIA leader trying to make sense of AI without the hype, this episode offers a grounded, practical look at how firms are actually using it today—and where it's heading next.

From chief marketing officer at the first internet bank to building the leading annuity platform for RIAs, David Lau shares proven strategies for raising capital, navigating public company challenges, and why converting commission-based revenue to fee-based can multiply your exit value by five times. In this episode of the DealQuest Podcast, host Corey Kupfer sits down with David Lau, founder and CEO of DPL Financial Partners, who has raised over $500 million across multiple ventures and built DPL into a platform serving more than 10,000 advisors at over 3,500 RIA firms. WHAT YOU'LL LEARN: In this episode, you'll discover why organic growth matters far more than market growth when acquirers evaluate your business, how converting commission-based annuity business to fee-based can multiply both your revenue and your exit multiple, the real tradeoffs of taking institutional capital and signing up for aggressive growth, the critical difference between venture capitalist optimism and private equity scrutiny, and how recognizing when your business has "run its course" can open the door to building something bigger. DAVID'S JOURNEY: David's career began as chief marketing officer of Telebank, the first internet bank, where he helped raise over $500 million. When preparing to go public, the stock jumped from $17 to $150 in weeks before Goldman Sachs stabilized pricing at $105. He later built Jefferson National, an insurance carrier he sold to Nationwide. That experience taught him the valuable part was distribution, not the capital-intensive balance sheet, leading directly to founding DPL in 2018. KEY INSIGHTS: A billionaire David met admitted he "mistook a bull market for brilliance." Acquirers only pay premium multiples for organic growth. If you did nothing different over the last decade as an RIA, you're making twice as much just from market performance. Buyers know this. Converting from commission to fee-based transforms exit potential with three times the revenue and five times the multiple, while expanding your buyer pool. DPL's technology reviews 2,500 policies per hour, and a significant portion of DPL's $4 billion in annuity sales were M&A related. When launching DPL, David planned to bootstrap until meeting Todd Boehly. Taking institutional capital means signing up for aggressive growth where some team members won't make it to the next stage. Venture capitalists are optimists who see your vision. Private equity investors see everything that can go wrong. Perfect for RIA owners considering M&A, hybrid advisors evaluating fee-based transitions, and entrepreneurs weighing capital raising decisions. FOR MORE ON THIS EPISODE: https://www.coreykupfer.com/blog/davidlau FOR MORE ON DAVID LAU: https://www.dplfp.com https://www.linkedin.com/in/david-lau-b6449b7/ https://x.com/dpl_fp FOR MORE ON COREY KUPFER: https://www.linkedin.com/in/coreykupfer/ https://www.coreykupfer.com/ Corey Kupfer is an expert strategist, negotiator, and dealmaker. He has more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker. He is deeply passionate about deal-driven growth. He is also the creator and host of the DealQuest Podcast. Get deal-ready with the DealQuest Podcast with Corey Kupfer, where like-minded entrepreneurs and business leaders converge, share insights and challenges, and success stories. Equip yourself with the tools, resources, and support necessary to navigate the complex yet rewarding world of dealmaking. Dive into the world of deal-driven growth today! Episode Highlights with Timestamps [00:00] - Introduction: David Lau's journey to building DPL Financial Partners [04:00] - Capital raising at Telebank: $500 million raised, stock jumping from $17 to $150 [08:00] - The tradeoffs of taking institutional capital and signing up for aggressive growth [12:00] - Venture capitalists as optimists versus private equity investors who see downside [16:00] - Why choosing the right capital partners matters more than just getting funded [20:00] - How DPL solved the RIA insurance problem with commission-free products [24:00] - Converting to fee-based: Three times the revenue and five times the multiple [28:00] - Why organic growth matters more than market growth in valuations [33:00] - The future of RIA consolidation and when to sell a business [40:00] - Freedom: Working with Russian defectors and gaining perspective Guest Bio David Lau is founder and CEO of DPL Financial Partners, the leading annuity platform for RIAs. Since 2018, DPL has worked with 20 insurance carriers and built an advisor base of more than 10,000 advisors from over 3,500 RIA firms. Before founding DPL, David was COO of Jefferson National, which he helped build and sell to Nationwide. Earlier, he served as chief marketing officer at Telebank, the first internet bank, where he helped raise over $500 million. His work has been covered in The Wall Street Journal, The New York Times, Barron's, and CNBC. DPL is backed by Todd Boehly's Eldridge and Bob Diamond's Atlas Merchant Capital. Host Bio Corey Kupfer is an expert strategist, negotiator, and dealmaker with more than 35 years of professional deal-making and negotiating experience. Corey is a successful entrepreneur, attorney, consultant, author, and professional speaker deeply passionate about deal-driven growth. He is the creator and host of the DealQuest Podcast. Show Description Do you want your business to grow faster? The DealQuest Podcast with Corey Kupfer reveals how successful entrepreneurs and business leaders use strategic deals to accelerate growth. From large mergers and acquisitions to capital raising, joint ventures, strategic alliances, real estate deals, and more, this show discusses the full spectrum of deal-driven growth strategies. Get the confidence to pursue deals that will help your company scale faster. Related Episodes Episode 350 - When NOT to Take Venture Capital with Tom Dillon: Explore alternative funding sources when traditional VC doesn't fit your exit strategy. Episode 339 - Next-Gen Leadership and M&A: Why G2 Matters: Understand why developing Generation 2 leadership commands premium valuations. Episode 209 - M&A Talk with Leading RIA Aggregators and Integrators: Bob Oros of Hightower Advisors: Explore what aggregators look for in acquisition targets. Social Media Follow DealQuest Podcast: LinkedIn: https://www.linkedin.com/in/coreykupfer/ Website: https://www.coreykupfer.com/ Follow David Lau: LinkedIn: https://www.linkedin.com/in/david-lau-b6449b7/ Company: https://www.dplfp.com Twitter/X: https://x.com/dpl_fp Keywords/Tags s RIA M&A, capital raising, fee-based revenue, commission-free annuities, DPL Financial Partners, organic growth, enterprise value, hybrid advisor transition, RIA consolidation, private equity, venture capital, going public, IPO, exit strategy, insurance for RIAs, annuity platform, wealth management M&A, financial services, startup funding, institutional capital, valuation multiples, deal structures, business growth strategies, dealmaking

Succession planning is rarely easy, but when life circumstances accelerate the timeline, it requires courage, clarity, and deep trust in your team. This episode explores how to manage an ownership and client transition with empathy, structure, and transparency. KayDee Cole is the founder of Clarity Wealth Development, an RIA based in Corvallis, Oregon, that manages $200 million in AUM for 220 client households. Listen in as KayDee shares how she navigated an expedited succession plan after a cancer recurrence, selling equity to her COO through a seller-financed loan and preparing other team members for ownership. We also talk about the structured four-meeting process she created to transition clients to new advisors, how she coached her team through readiness conversations, and how transparent communication helped retain nearly all clients through the change. For show notes and more visit: https://www.kitces.com/468

Louis Diamond (CEO of Diamond Consultants) joins David DeCelle to break down what really drives advisor transitions—and how top teams evaluate moves to independence, new platforms, or M&A opportunities. Louis shares the "consultative recruiting" model his firm has built over nearly 30 years, why freedom, flexibility, and control are the three core forces behind most breakaway decisions, and what a realistic timeline looks like from exploration to execution. You'll also hear how Diamond Consultants structures compensation (including a refundable retainer approach), what their 7-step consulting framework looks like, and how advisors can avoid getting overwhelmed when independence opens up a "toy box" of tech, compliance, and infrastructure decisions. What You'll Learn The difference between traditional recruiting vs recruitment consulting Why most advisor pain points trace back to Freedom, Flexibility, and Control How Diamond Consultants helps advisors compare 3–7 best-fit destinations (wirehouse, IBD, RIA, aggregators, etc.) How fees work: firm-paid recruiting model + when a refundable retainer comes into play A realistic view of the transition timeline: 6–12 months is common, longer for breakaways How many breakaway teams simplify tech decisions by plugging into existing RIA platforms #FinancialAdvisor #RIA #AdvisorTransition #BreakawayAdvisor #WealthManagement #ModelFA #DiamondConsultants #MergersAndAcquisitions #SuccessionPlanning #AdvisorGrowth Connect with Louis: Website: https://www.diamond-consultants.com/team/louis-diamond/ LinkedIN: https://www.linkedin.com/in/louisdiamond Email: ldiamond@diamond-consultants.com --- About the Model FA Podcast The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes  to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no "gotchas" or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams.  Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered.  Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

In this special “Best of 2025” episode, David Lau David Lau revisits powerful insights from John Thiel, Matt Regan, and Megan Carpenter on the evolving RIA landscape. Together, they unpack consolidation, succession challenges, organic growth strategies, and why modern advisory firms must treat marketing as a measurable engine—not just brand awareness. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

While it is not always referred to as a "1099 model", there is a type of RIA platform offering that many advisors find to be an attractive alternative to running their own RIA.These "1099 models" come in various flavors but they typically share the following (among other things):Retain 100% ownership of your practice;Use your own brand;Control your local expenses;Access a suite of technology and solution provider resources;If applicable, provide solutions for your remaining legacy commission assets; etc.If considering starting your own RIA, it's worthwhile understanding how these models compare.In this episode (#138) of the Transition To RIA question & answer series I explain what these models are and why they're worth considering for your practice.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-a-1099-ria-model/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.

Host Leani chats with author Ria Jain about how the writing journey is more important than the outcome, the hidden side of pregnancy, and how her daughter has inspired her.  Links: Battle Cry, Leani's Patreon, Ria's Instagram, Ria's Amazon Page Music Credit: "Blippy Trance" Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 4.0 License http://creativecommons.org/licenses/by/4.0/

This episode of RIA+ provides a macro view of how artificial intelligence is likely to transform the business of the wealth management business. Neil Abromovage and Abbe Galvez Cordon from TD Ameritrade Securities sat down with Mark Bruno to share their big picture perspective on how AI will change the profitability of wealth management firms, influence valuations and M&A activity - and provide deeper access to investment opportunities across the wealth and asset management ecosystems.

A holiday-flavored Friday Q&A that covers a lot of ground without selling a single candy cane. Don answers listener questions on Medicare vs. Medicare Advantage (and the IRMAA buzzsaw), how to safely reposition an elderly parent's taxable account, whether to ditch target-date funds for a DIY equity portfolio, how to think about international small-cap ETFs, why teaching kids to pick stocks is a terrible idea, and what to expect when a “free portfolio review” comes from a company whose name literally includes the word annuity. Skeptical, practical, and very on-brand. 0:17 Corny holiday Q&A musical intro and setup 0:33 Friday Q&A format, how questions get on the show, and holiday vibe 2:00 Medicare vs. Medicare Advantage, IRMAA penalties, and why private insurers are exhausting 3:37 Why capital gains can make Medicare shockingly expensive 4:15 The profit motive problem with Medicare Advantage plans 4:37 Question transition and listener call-in reminder 5:43 Managing an 82-year-old's taxable account: safety vs. yield 6:18 Why bond funds like BND diversify interest-rate risk better than savings accounts 7:15 CD ladders: how they work and why discipline matters 7:39 Treasury funds vs. total bond funds for capital preservation 7:47 Closing thoughts on preservation-focused portfolios 8:52 Target-date funds vs. DIY 401(k) portfolios 9:20 Glide paths, rebalancing, and what target-date funds do well 10:35 100% equity risk, volatility, and why down markets help accumulators 10:53 Choosing between AVDV and AVES (international small value vs. emerging markets) 11:47 Why the correct answer is often “both” 12:33 Teaching high school students about investing 13:52 Why stock-picking education reinforces a dangerous myth 14:28 Luck vs. skill and the evidence against beating the market 15:39 Index funds, market efficiency, and investor behavior 16:49 Morningstar vs. other research tools 17:18 Empower's “free portfolio review” and what might be coming next 18:06 Portfolio concentration concerns and tech exposure 19:33 Humor break and annuity skepticism 20:55 What Empower actually is and what that implies 21:16 Empower as an RIA and how to treat their recommendations 21:52 Getting a second opinion from a fee-only advisor 22:58 Thanks, holiday wrap-up, and call for more questions Learn more about your ad choices. Visit megaphone.fm/adchoices

Savvy Wealth Founder & CEO Ritik Malhotra shares the origin story behind the firm and the industry gap it set out to solve, along with how Savvy's modern, tech-enabled model differs from a traditional RIA. He walks through how the platform equips advisors with digital tools, operational support, and independence, while still enabling highly personalized planning—especially for next-gen clients who expect both efficiency and customization.

Charlotte Morgan is a financial planner at Creative Planning, and she joins the show today to share her career journey from college student to successful practitioner. If you're interested in navigating early career uncertainty, taking a break and re-entering the profession with confidence, or understanding what it's like to experience an acquisition from the inside, this episode is for you! Listen in as Charlotte shares how she began college planning for a career in accounting or finance, but ultimately discovered financial planning through a family friend. You'll hear how she stepped away after a few years (and later returned by joining her second firm), what it was like when her firm was acquired by a large RIA aggregator, and more. You can find show notes and more information by clicking here: https://bit.ly/4iC3UMD

Together, they explore practical decision points advisors should consider:• The real implications of the $100M AUM threshold and the trade-offs between state and SEC registration• When it may make sense to stay with an independent broker-dealer - especially if more than 20% of your revenue is still commission-based• Why some RIAs are now “breaking away again” and rolling into larger platforms or supported-independence models• The emotional and operational realities of dropping a Series 7, and how that can change your flexibility with media, branding, and marketingChuck also opens up about Sovereign's “three doors” approach - including “Sovereign as a Service” - and how advisors can use incubation-style models to learn the RIA world before fully standing up their own firm. Frank underscores a central theme: there's no universally “right” answer, only informed vs. uninformed decisions.Resources:Chuck's LinkedIn: www.linkedin.com/in/charlesfailla  Chuck's Websites: www.sovereignadvisorsolutions.com | www.goria.com  Elite Consulting Partners | Financial Advisor Transitions: https://eliteconsultingpartners.comElite Marketing Concepts | Marketing Services for Financial Advisors: https://elitemarketingconcepts.comElite Advisor Successions | Advisor Mergers and Acquisitions: https://eliteadvisorsuccessions.comJEDI Database Solutions | Data Intelligence for Advisors: https://jedidatabasesolutions.comListen to more Advisor Talk episodes: https://eliteconsultingpartners.com/podcasts/Follow us on LinkedIn: https://linkedin.com/company/eliteconsultingpartners

A simple spreadsheet for his dad sparked a complete career pivot. In this episode, Andy Cole breaks down his move from civil engineering to fee-only financial planning—and how he built a lean, resilient practice while working full time and raising a family. What began as a deep dive into risk-adjusted returns evolved into a planning-first firm serving engineers with a flexible, transparent fee model.Andy shares the early challenges of running a solo RIA—compliance, invoicing, endless paperwork—and the turning point when he found a corporate RIA structure that gave him real leverage. By outsourcing back-office work while keeping full autonomy, he accelerated growth and regained the joy of advising. We also get into the numbers, including payout grids and the math that helped him reach roughly $200k in revenue with low personal overhead.We talk niche and pricing strategy, too. Engineers often want DIY portfolio control, so Andy pairs flat-fee planning with optional low AUM. He also offers practical marketing advice: increase your at-bats, stay consistent on LinkedIn, and build offers for a specific audience—not everyone.If career change, fee-only planning, or intentional business design resonates with you, hit follow, share with a colleague, and leave a quick review so others can find the show.Andy's Linkedin:https://www.linkedin.com/in/andy-cole-pe/Music in this episode was obtained from Bensound.

Eric Kittner, CEO, Chairman and Partner of the Moneta Group, outlines why Moneta's internally owned model offers a distinct alternative to RIA firms that rely heavily on outside capital. He also explores the future of advisor ownership, the importance of next-gen buy-in, and ways to drive stronger talent retention.

In this industry, everyone talks about innovation. But innovation rarely starts in a conference room. It starts when a client hits a wall. When they're overwhelmed, under pressure, or staring at an opportunity they can't quite reach alone.That's where Ultimus Fund Solutions steps in. This team doesn't just throw tech at the problem. They roll up their sleeves, pick up the phone, and build real solutions, side by side with their clients.In this episode, you'll hear what that actually looks like:A multi-billion-dollar RIA streamlining 400+ SMAs and mutual funds into a single ETF that's now at $1.2B and climbingA $20B alternatives manager slashing launch time nearly in half with Ultimus GatewayA private credit strategy that didn't exist until Amanda's team built it, piece by pieceA middle office crew turning “random one-off asks” into a well-oiled machineA data team translating challenging requests into crystal-clear, decision-ready KPIsIf you've ever wondered what a true partnership feels like in financial services, this is your peek behind the curtain.More About Ultimus:Ultimus Fund Solutions delivers fund servicing, middle and back office support, and one-of-a-kind solutions across ETFs, mutual funds, private funds, and alternatives, with real people who actually listen, collaborate, and deliver.Learn more at billiondollarbackstory.com/ultimus

Larry Kriesmer shares how his career evolved from life insurance to options-driven wealth management, explaining that supervisory limitations at his former firm pushed him to launch his own RIA focused on option-based strategies. He and the host discuss the industry's longstanding discomfort with options, the differences among custodians, and the surge in option-centric ETFs driven by investor demand for income, downside buffers, and more predictable outcomes. Larry explains why he favors synthetic long exposure to the S&P 500, how options can create defined risk in ways traditional 60/40 portfolios cannot, and why repeated market shocks have increased interest in structures that limit drawdowns. He also stresses that while options can be powerful, they require real understanding—especially given the asymmetric risks—and that most investors are best served using simple strategies or working with experienced professionals. Larry Kriesmer shares his background transitioning from life insurance into wealth management and ultimately founding his own RIA due to options-related supervision limitations at his prior firm. We highlight how many insurance and brokerage firms restrict options usage because supervisors often lack the necessary licensing or comfort with the risks. Early-career experiences show how compliance departments often misunderstand options and overburden advisors executing client-driven trades. Larry explains that custodians also vary widely in their options competency, noting TD Ameritrade's historically advanced approach compared to more conservative platforms like Schwab and Fidelity. He describes how the growth of option-based ETFs and structured strategies reflects rising demand for income, risk buffers, and outcome-based portfolio design. Why options are resurging in popularity despite being decades old, tying it to investor frustration with unpredictable markets, multiple major drawdowns, and the need for more controlled outcomes. Larry outlines his discovery of options through studying indexed annuities, which showed him how options could define downside risk and reshape portfolio construction. He explains his core strategy of staying synthetically long the S&P 500 at all times, avoiding market timing, and focusing on capturing upside while limiting drawdowns. The conversation touches on potential expansion of his strategy into other sectors or international markets, though the S&P remains his primary exposure due to its self-healing nature. Larry critiques modern portfolio theory as outdated and insufficient for managing real downside risk, arguing that a bond-plus-options structure can outperform a traditional 60/40 on a risk-adjusted basis. You discuss how 2022 exposed the limitations of conventional diversification when both stocks and bonds fell simultaneously. Larry emphasizes that while options can be powerful tools, investors must deeply understand which side of the contract's risk they are assuming to avoid catastrophic losses. He concludes that most investors should pursue education but ultimately rely on professionals or ETF structures if they want to safely incorporate options into their portfolios. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Phil Weiss | Apprise Wealth Management Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/strategies-for-modern-investors-lawrence-kriesmer-770 

Abby Salameh, Chief Growth Officer at RFG Advisory, discusses the firm's expanded StrongHer Money initiative, its leadership, and the drivers behind its advisors' 13% organic growth. She also shares her perspective on the challenges and opportunities ahead for RIAs and what makes RFG's model compelling for advisors considering their next chapter.

Kelly Metzler Randall is a Principal and Lead Advisor at Burton Enright Welch, and she joins the show today to share how she transitioned to financial planning after earning a chemistry degree. If you're interested in exploring career pivots into financial planning, understanding how to grow within an RIA, or seeing what it really looks like to rebuild your career after a relocation, this episode is for you! Listen in as Kelly shares how her love of science and math initially led her into lab work—until she realized it wasn't fulfilling and began exploring business and finance. You'll learn how an internship at a large bank became a full-time role, what motivated her transition to the RIA space, and how she advanced in her first firm before relocating to California and starting over at her current company. We also discuss how her responsibilities expanded as the firm grew, as well as which parts of her career she finds both the most fun and the most challenging. You can find show notes and more information by clicking here: https://bit.ly/4if1nYz

Want a founder story that includes spreadsheets, a stint as a roadie, an Atlantic crossing, and a will-signing party that packed the room? Meet Shane Mason of Brooklyn FI — a CPA/CFP who went from Big Four tax to touring life, then teamed up with AJ to build a 20-person advisory firm rooted in transparency, productized service, and genuine hospitality.We dig into the early days: running a tax practice out of a bar booth, pricing low to get at-bats, and taking weekend prospect meetings to sharpen the offer. Shane explains why he and AJ decided from day one to build an enterprise rather than a lifestyle practice, documenting workflows so every client gets the same quality of service no matter who's in the seat. That mindset shaped their hiring, retention, and their eventual shift from serving creatives to working with tech employees navigating ISOs, NSOs, RSUs, and liquidity events.The conversation gets practical fast. Shane shares why most equity compensation issues are really tax issues, why offering refunds can be a reputation-saving move, and how turning estate planning into a social, notarized event helps clients finally take action. We also explore the difference between small giants and scalable firms, the value of serialized advice, and what happens when founders step back from client work to rethink the business. Plus, a look at Gemifi, the fintech platform Brooklyn FI built to help advisors visualize vesting schedules and future balance sheets.If you're building or scaling an RIA, this episode is full of hard-won insights on niches, processes, client experience, and leading through growth.Shane's Linkedin:https://www.linkedin.com/in/shanemasoncpacfp/

Cary Street Partners COO Wesley H. Gallup, CFP® discusses how the firm's operational structure, technology strategy, and team performance framework are driving growth across the organization. He also breaks down the challenges of scaling a modern RIA and shares how CSP is cultivating a cohesive ecosystem designed to help advisors—and their clients—thrive.

For the resources and links mentioned, go to:  https://simplysquaredaway.com/145 If you're a woman over 40 and want to declutter, downsize, and organize your home, join us in Organized Life Academy for half off right now! --> https://simlysquaredaway.com/yes Think you need to be glued to social media 24/7 to build a successful coaching business? Think again. Today, I'm showing you a completely different and way simpler path to building a thriving fitness‑coaching business without living on Instagram. On this episode, I talk with Ria Zervos, a longtime fitness pro turned business coach for health and fitness coaches. After 22 years in the gym industry (from the towel desk to managing large corporate group‑exercise programs, running trade shows, coordinating presenters - she's done it all), Ria now lives in Costa Rica and helps fitness professionals build legit online businesses without depending on social media algorithms or daily posting. We dig into why so many fitness pros struggle to get paid what they deserve, how they often overlook the goldmine sitting right under their noses (their existing network), and Ria walks us step‑by‑step through how she helps her clients build real businesses by talking to real people. No cold DMs. No burnout. Just real conversations, clear programs, and smart positioning. We cover: Why social‑media fame doesn't equal financial success. How to use your everyday network, from your hairdresser and doctor to the barista at your favorite cafe, to build a client base. The three critical things every fitness coach's profile (on any platform) needs: who you are, who you serve, and what you offer. How to craft and test a simple, logical coaching program before trying to sell it online. Why collaborating with other coaches (even those you view as “competition”) can help you both grow. Small offline/low-tech marketing tactics that actually work (think coffee‑shop chats, spa tables, even flyers in a chiropractor's office). Whether you're a fitness pro ready to quit the treadmill of social media or just a coach who wants to simplify how you get clients, this episode is for you. What You'll Learn Why relying on social media alone won't pay the bills, and what will. How to turn everyday people you already know (or bump into) into clients by simply talking about what you do. The three messaging questions every coach's profile needs to answer (even if you don't use social media). How to build a coaching program with clear steps and tangible outcomes that sell (without confusing or overwhelming people). How to collaborate strategically with other coaches, even those who seem like competitors, to expand your reach. Simple, low‑tech ways to get your first clients (flyers in waiting rooms, spa or yoga‑studio events, bringing snacks, yes, snacks!).

This week, Patrick Perry, Regional Vice President of Member Success at DPL, talks with Sam Marrella, Regional Director at Apella Wealth. Sam shares the story of how his family firm successfully transitioned from a broker-dealer to an independent RIA. He discusses the significant role that DPL's technology and commission-free annuity platform played in streamlining their process, enhancing the client experience, and enabling a powerful alignment of interests that fuels trust and organic growth. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Advisor Growth Strategies' founder describes the strategic signals that tell an RIA its brand no longer reflects its true value. Host: Steve Sanduski, CFP. Learn more about your ad choices. Visit megaphone.fm/adchoices

Most people treat their career pivot like a crisis. Adam approached his like compounding interest — small, consistent moves that eventually broke the equation. We talk about the finance industry's myths (no, you are not beating the market), why sharing your story works even when you think you're “not that person,” how giving away thousands of books became a growth engine, and why content creation is the new credibility layer for every entrepreneur.We explore the second-life moment: when you've spent years mastering one system only to realize the next version of you is waiting in a completely different world. Adam's journey from “professional low-stakes grifter” (his words for financial advisors) to founder of a fast-growing media company is a case study in paying attention to what starts pulling you forward.This isn't a story about leaving finance. It's a story about finally doing work that compounds in every direction.TL;DR* No one beats the market: Most managed-money careers hide behind complexity; transparency wins.* Your story is an asset: A book isn't a $5 product — it's a credibility accelerant.* Content scales trust: Podcasting, writing, and storytelling create leverage regulated industries never allow.* Pivots aren't leaps: They're a series of realizations you can't unknow.* Second-life careers reward clarity: When you know what you can do exceptionally well, the right path becomes obvious.Key Themes1. The Finance IllusionAdam spent 14 years across every side of the money-management business — IRA departments, CFP work, retirement plans, running his own RIA. The deeper he went, the clearer the hard truth became:Complexity sells. Simplicity performs.Most investors would do better with a simple S&P split and quarterly rebalancing than paying a point-plus in fees. The industry doesn't like that sentence.2. The Accidental AuthorAdam wrote his first book because his mentor forced him to.He didn't believe in $5 products.He didn't believe in writing books.He definitely didn't believe he had a story worth telling.But giving away thousands of books changed everything:* Attracted assets* Opened doors* Taught him the power of simple ideas (compound interest, APR, basic personal finance)* Showed him that people are starving for clarity, not complexityStories scale. Silence doesn't.3. When Others Ask You to LeadPeers started asking Adam to help them publish books — CEOs, business owners, professionals.He thought it was absurd.But the model worked: anthology-style, collaborative, marketing budget pooled, broad distribution.What started as a side experiment became a series that has now published 400+ authors.4. The Media PivotWith books working and the podcast exploding, Adam faced a choice:Try to run two careers poorly, or choose one and let it compound.He chose media. Nine years later, that call looks obvious.5. The Bigger RealizationMoney is an accounting entry for resource ownership.But we're consuming resources at an unsustainable pace to create more accounting entries.Every financial system eventually resets.What matters isn't the illusion of compounding — it's the relationships, reputation, and value you build that survive resets.Memorable Lines* “If you can market yourself in finance, you can grow 10x faster in a non-regulated industry.”* “I thought broke people wrote books — turns out authors build trust faster than anyone.”* “You don't need to beat the market; you need to beat obscurity.”* “I'm not Elon. I can do one thing really well — that's it. And that's enough.”* “Content is the new credibility. Silence is the new obscurity.”GuestAdam Torres — Media Founder, Author, PodcasterCo-founder of Mission Matters, publisher of hundreds of books and host of nationally distributed business podcasts. Former CFP and RIA owner turned media-builder helping entrepreneurs amplify their stories.LinkedIn: https://www.linkedin.com/in/adamtorres8/Website: https://missionmatters.com/Why This MattersBecause your second life might not look like an escape — it might look like leverage.Adam's story shows that the skills you build in one industry become unstoppable when combined with storytelling, ownership, and the courage to pivot.If you want a career that compounds — not just capital but impact, relationships, opportunities — you have to build something the system can't reset: your voice, your story, your platform.Call to ActionIf this conversation lit something up for you, don't just let it fade. Come join me inside the Second Life Leader community on Skool. That's where I share the frameworks, field reports, and real stories of reinvention that don't make it into the podcast. You'll connect with other professionals who are actively rebuilding and leading with clarity. The link is in the show notes—step inside and start building your Second Life today.https://secondlifeleader.com This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit www.dougutberg.com

On this TCAF Tuesday, Josh sits down with Charles Lemonides, founder of ValueWorks, to discuss the future of flight and how soon we might see flying cars taking to the skies. Charles makes the case for Joby and dives deep into why he thinks it stands above the rest in the eVTOL space. Then at 35:26 hear an all-new episode of What Are Your Thoughts with special guest Ed Yardeni joining ⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors   Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

In an environment where there is no shortage of external acquirors, many RIA founders receive regular inbound inquiries from potential suitors. While the compensation from such deals (and the ability to shrink the administrative burdens they face) might be tempting, these offers can be weighed against a desire to grow independently and perhaps pass it on to the next generation. Todd Pisarczyk is the founder of Momentous Wealth Management, an RIA based in Vancouver, Washington that manages $400 million in AUM for 400 client households. Listen in as Todd shares how he hit a turning point after reaching 350 clients and feeling trapped by success, then built a detailed spreadsheet (included in the show notes) to analyze whether to sell or keep his firm. We talk about how the numbers (and lifestyle considerations) ultimately led him to stay independent, the changes he made to scale sustainably, and how his definition of success has evolved from "more growth" to creating a legacy where others can thrive. For show notes and more visit: https://www.kitces.com/465

HOLIDAY SHOW TICKETS > https://bit.ly/CITOPHILLYSHOW. Fran's Jonas Brother NJ concert review (00:00-11:56). Ria smoked Wiz Khalifa's weed (13:38-27:24). Stassi Schroeder to host ‘The Secret Lives of Mormon Wives' season 3 reunion (28:17-33:56). Shep Rose caught going on rant about Paige DeSorbo & Craig Conover's relationship (33:57-39:28). Madison LeCroy & Sai De Silva feud (39:29-43:56). PopCorner voicemails: Kris Jenner facelift hot take, Does ‘DWTS' need multiple versions of the show?, Updated celebrity Chris rankings + more! (44:43-1:06:40). Interview with RHOSLC's Bronwyn Newport - talking her first BravoCon experience, where she stands with Lisa Barlow, her passion for fashion + much more! (1:07:28-1:49:06). 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

HOLIDAY SHOW TICKETS > https://bit.ly/CITOPHILLYSHOW. Ria's BrovoCon experience (00:00-20:18). Fran saw ‘Harry Potter and the Cursed Child' on Broadway (20:19-36:07). BravoCon biggest moments roundup (37:10-1:00:45). Weekly Watch Report: ‘The Secret Lives of Mormon Wives,' ‘Dancing with the Stars,' ‘Maxton Hall' + more! (1:01:29-1:39:03). Interview with ‘DWTS' semi-finalists Robert Irwin & Witney Carson (1:40:15-1:54:51). Interview with ‘DWTS' semi-finalists Whitney Leavitt & Mark Ballas (1:54:54-2:08:53). Interview with ‘DWTS' semi-finalists Alix Earle & Val Chmerkovskiy (2:10:41-2:29:26). 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