Podcasts about Ria

In this special episode, Jesse Lineberry, Program Director of the CFP program at Virginia Tech, returns for our annual deep dive into the New Planner Recruiting 2025 Salary Report. If you're interested in salary trends, comparing compensation expectations across channels, or understanding what firms and candidates are prioritizing in today's hiring market, this episode is for you! Listen in as we unpack this year's findings, from average salaries across experience levels to regional trends and differences between RIA, broker-dealer, bank, and insurance expectations. We also explore why paraplanner salaries jumped, why student expectations stayed flat, and what's fueling the surge toward the RIA channel. You'll hear actual offer data from this year's placements, as well as how AI and internship compensation are shaping entry-level roles as firms plan for 2025. You can find show notes and more information by clicking here: https://bit.ly/4p6NmOx

Google lanza Nano Banana Pro con texto claro, control avanzado y mejor razonamiento visual para creadores  Por Félix Riaño @LocutorCo  Si quieres apoyar este pódcast y escucharlo sin comerciales en la app de Spreaker, puedes unirte al Club de Supporters por solo 2 dólares al mes. Gracias por apoyar el Flash Diario y ayudar a que siga creciendo.  Nano Banana Pro mejora la creación visual con texto legible, razonamiento avanzado y controles de edición precisos.Google presentó Nano Banana Pro, una actualización que hace más natural la creación de imágenes dentro de Gemini. El texto dentro de las fotos ya no parece escrito al revés, las referencias se mezclan con más orden y las instrucciones largas se entienden sin enredos. Es una mejora que se siente cuando la herramienta responde por fin como querías desde el principio.Y eso deja una duda muy realista: si ya crea imágenes con tanto detalle, ¿cuánto falta para que también arme una serie completa… y la historia tenga más sentido que la última temporada de nuestra serie favorita?Invitación al apoyo del pódcast  Nano Banana Pro evoluciona lo que ya hacía el modelo anterior, pero ahora se apoya en Gemini 3 Pro para interpretar mejor las instrucciones. El cambio más visible está en el texto dentro de las imágenes. Ya no hay letras deformes ni frases incompletas. Las palabras aparecen bien formadas, incluso en varios idiomas, lo que permite crear etiquetas, diagramas y diseños con más claridad.El modelo también permite usar hasta 14 imágenes de referencia y conserva la identidad de hasta cinco personas dentro de una misma composición. No distorsiona rasgos ni cambia rostros cuando se mezclan varias fuentes. Esto ayuda en diseño, publicidad, educación y creación de personajes. La herramienta entiende mejor la idea general y arma una imagen final con más orden y coherencia.  Esta mejora trae un reto que no podemos ignorar: ya no es tan fácil detectar imágenes creadas con IA. Las fallas tipográficas eran una pista rápida para saber si una foto era falsa. Esa pista desapareció. Esto complica la verificación de contenido en redes sociales, donde las imágenes se comparten sin contexto.Google usa SynthID, un marcador invisible que permite identificar si una imagen viene de sus modelos. Pero algunos estudios demostraron que estas marcas se pueden borrar con herramientas avanzadas. Además, muchas plataformas todavía no muestran alertas automáticas sobre imágenes generadas con IA. Eso significa que la verificación queda en manos de cada usuario, lo que abre una brecha entre lo que vemos y lo que podemos confirmar.  Nano Banana Pro ofrece controles que antes solo se encontraban en estudios profesionales. Puedes ajustar iluminación, ángulos de cámara, profundidad de campo, colores y transformaciones completas en escenas, como cambiar de día a noche. También genera contenido en 2K y 4K para pantallas grandes o impresos.El modelo está disponible en la app de Gemini, en la API para desarrolladores, en Google Ads, en Workspace, en NotebookLM y dentro de Adobe Firefly y Photoshop. En estas herramientas permite crear piezas visuales complejas, ajustar detalles con precisión y trabajar con varias referencias sin perder coherencia. Con este lanzamiento, Google acerca funciones avanzadas a más personas.  Nano Banana Pro convierte instrucciones simples en diagramas e infografías basadas en datos reales. Gracias a su conexión con Google Search, puede representar recetas, estados del tiempo o información educativa sin pasos intermedios. Esto puede ser útil para estudiantes, profesores, periodistas o equipos creativos.En precios, la orientación profesional es clara. Una imagen 2K cuesta $0,139 dólares y una imagen 4K cuesta $0,24 dólares. En la app de Gemini, las cuentas gratuitas tienen un número limitado de generaciones antes de volver al modelo anterior.Las imágenes generadas llevan SynthID y, en planes básicos, un distintivo visible llamado “Gemini sparkle”. En el plan Ultra, esta marca visible no aparece. Google planea llevar la verificación también a audio y video con esta misma tecnología.Segmento adicional: agradecimiento para oyentesGracias por estar aquí cada día. Este espacio existe para que entendamos juntos la tecnología sin ruido y con buena energía. A quienes escuchan desde hace tiempo, gracias por su compañía constante. Y a quienes llegan por primera vez, bienvenidos. Este pódcast es para ustedes.  Nano Banana Pro ya aparece en varios servicios de Google. En Workspace funciona dentro de Slides y Vids para crear presentaciones visuales completas. En Google Ads permite generar piezas adaptadas a campañas. En Google Antigravity ayuda a diseñar prototipos e interfaces desde bocetos.Adobe integró el modelo dentro de Firefly y Photoshop. En Photoshop impulsa Generative Fill con ajustes de iluminación, perspectiva y textura. En Firefly combina referencias y genera composiciones complejas para proyectos editoriales o publicitarios. Esto acelera la creación visual y sube el nivel de detalle disponible para cualquier persona. Medios, empresas y creadores independientes verán una transformación en sus flujos de trabajo.  )Nano Banana Pro mejora la creación visual con texto claro, ediciones detalladas y composiciones más estables. Ofrece nuevas opciones creativas y abre preguntas sobre cómo verificamos lo que vemos en pantalla.Puedes seguir el pódcast en Flash Diario en Spotify.  Nano Banana Pro crea texto claro, mezcla referencias y trabaja en 4K. Facilita diseños avanzados y complica distinguir imágenes reales.Bibliografía The VergeInteresting EngineeringAdobe BlogCNETThe RegisterZDNetTechRadarTechCrunchGoogle Blog – TipsGoogle Blog – DeepMindGoogle Blog – Español

Amazon lanza sus nuevos Video Recaps con inteligencia artificial para resumir temporadas completas en minutos   Por Félix Riaño @LocutorCo  Apoya el Flash Diario y escúchalo sin comercialesPrime Video activa Video Recaps, un sistema que usa inteligencia artificial para crear resúmenes visuales de temporadas completas con narración, música y diálogos sincronizados. Llega en fase beta para varias series populares. Los Video Recaps llegan como una evolución natural de los resúmenes de texto que Prime Video ya ofrecía. La idea es facilitarle la vida a quienes vuelven a una serie después de meses o años y ya no recuerdan dónde iban las historias. La inteligencia artificial analiza todos los arcos de personajes, los puntos clave de la temporada y selecciona escenas que muestran los momentos que más ayudan a entender qué viene después. La IA también organiza la secuencia de esos fragmentos para que la narración suene coherente al oído, como si fuera un tráiler de la propia serie. El objetivo es que cualquier persona pueda ponerse al día en menos de tres minutos.Estos Video Recaps están disponibles primero en Estados Unidos y en unos cuantos títulos: Fallout, Tom Clancy's Jack Ryan, Upload, Bosch y The Rig. Para encontrarlos, solo hay que entrar a la página de la serie, avanzar a la siguiente temporada y tocar el botón “Recap”. Allí aparecen las opciones de resumen: texto o video. Esta apuesta es también una vitrina de lo que Amazon está haciendo con Bedrock, su modelo de inteligencia artificial. Es una mezcla de análisis de guion, extracción de escenas, sincronización de audio y producción automática. Todo esto lo hace el sistema antes de que tú lo pidas, así que el video ya está listo. La llegada de estos resúmenes automáticos abre una discusión que ya se está repitiendo en la industria del entretenimiento: ¿hasta dónde vamos a dejar que la inteligencia artificial tome tareas que antes hacían equipos humanos? Los recaps tradicionales, esos que salen al inicio de las temporadas, son un trabajo editorial. Requieren que alguien mire toda la temporada, decida qué es esencial, qué es prescindible y cómo contarlo sin arruinar sorpresas. La IA de Amazon intenta replicar este proceso, pero no siempre tiene el criterio narrativo de una persona. Hay quienes sienten que estos videos pueden ser útiles y, al mismo tiempo, pueden desplazar trabajos creativos. El debate está ahí. Prime Video no está sola en este movimiento. YouTube TV ganó un Emmy técnico gracias a “Key Plays”, que resume partidos en directo para ponerse al día cuando llegas tarde a un juego. Netflix está usando IA para escenas complejas, rejuvenecimiento digital y previsualización de sets. La industria está adoptando estas herramientas para reducir tiempos y costos. Amazon, de hecho, está impulsando esta tecnología en muchos frentes: desde recomendaciones hasta resúmenes de eventos deportivos. El lanzamiento de Video Recaps coincide con una inversión de USD 15 000 000 000 en bonos para reforzar su infraestructura de IA. 

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

Market headlines love fear, but is that the full story? After decades of studying market trends, Chief Market Strategist Ryan Detrick knows that the best investment decisions start with data, not emotion or fear-based media. In this episode, he explains what most people get wrong about the market, why data is crucial to the bigger picture, and how investors can navigate information overload on social media. You'll also hear tips for making finance fun (and easier to understand), and building your own voice online! Topics discussed: Introduction (00:00) Ryan's background and career journey to Carson Group (02:16) Why he still has an optimistic, bullish market outlook (05:26) How he makes finance fun and easily digestible (09:34) Leveraging social media and the Facts vs. Feelings podcast (11:10) The importance of visual storytelling and historical data (13:48) How social media impacts investor behavior (16:14) Advantages of the RIA model (20:22) AI's impact on the job market and client privacy (23:44) Networking and branding advice for beginner finance pros (26:26) What brought you JOY today? (30:02) Resources: Sending your child to college will always be emotional but are you financially ready? Take the College Readiness Quiz for Parents: https://www.mitlinfinancial.com/college-readiness-quiz/ Doing your taxes might not be enJOYable but being more organized can make the process less painful. Get Your Gathering Your Tax Documents Checklist: https://www.mitlinfinancial.com/wp-content/uploads/2024/06/Mitlin_ChecklistForGatheringYourTaxDocuments_Form_062424_v2.pdf Will you be able to enJOY the Retirement you envision? Take the Retirement Ready Quiz: https://www.mitlinfinancial.com/retirement-planning-quiz/ Connect with Larry Sprung: LinkedIn: https://www.linkedin.com/in/lawrencesprung/ Instagram: https://www.instagram.com/larry_sprung/ Facebook: https://www.facebook.com/LawrenceDSprung/ X (Twitter): https://x.com/Lawrence_Sprung Connect with Ryan Detrick: X (Twitter): https://x.com/RyanDetrick/ LinkedIn: https://www.linkedin.com/in/ryandetrick/ Website: ​​https://www.carsongroup.com/insights/blog/team-members/ryan-detrick/ About Our Guest: As Chief Market Strategist at Carson Group, Ryan Detrick brings a wealth of expertise and a strong understanding of financial markets to guide the firm's strategic investment decisions. With a proven track record of insightful market analysis and a passion for helping both advisors and clients navigate the complexities of the financial landscape, Ryan plays a pivotal role in shaping the investment strategies that drive Carson Group's success. Ryan's career has been marked by a dedication to staying at the forefront of market trends and the role history plays in potential market moves. Prior to joining Carson Group, Ryan held key positions at several leading financial institutions, where he honed his skills in market analysis, risk management and portfolio optimization. His ability to distill complex market information into actionable insights has earned him recognition as a thought leader in the financial industry, including being named one of Business Insider's 2023 Oracles of Wall Street. A sought-after commentator, Ryan frequently shares his market perspectives through media appearances on CNBC, Fox Business, Yahoo! Finance, Bloomberg and SiriusXM, speaking engagements and written commentary. Leveraging his extensive knowledge of market trends, economic indicators, and investment opportunities, Ryan provides valuable insights that empower clients to make informed decisions in an ever-evolving financial environment. Ryan also co-hosts a top-investing podcast, "Facts vs Feelings" alongside Carson Group colleague Sonu Varghese, VP, Global Macro Strategist. Each week they engage in insightful conversations exploring the intersection of data-driven market analysis and the human element in investment decision-making. Through "Facts vs Feelings," Ryan reaffirms his dedication to making finance more understandable. Originally from Springfield, Ohio, Ryan's financial career began over 20 years ago, with more than a decade spent at Schaeffer's Investment Research and six years at LPL Financial. He has a Chartered Market Technician (CMT) designation, a bachelor's degree in finance from Xavier University, and an MBA from Miami University. Outside Carson, Ryan is a dedicated family man and sports enthusiast. A lifelong Cincinnati Bengals fan, he lives in Cincinnati, Ohio with his family, where he can often be found coaching his two boys in various sports. In his free time, Ryan enjoys traveling to new places and exploring local cuisine. Disclosure: Guests on the Mitlin Money Mindset are not affiliated with CWM, LLC, and opinions expressed herein may not be representative of CWM, LLC. CWM, LLC is not responsible for the guest's content linked on this site. This episode was produced by Podcast Boutique https://www.podcastboutique.com

What is Pommeau? Pommeau is a: fortified blend of fresh apple must (unfermented) and apple brandy (typically Calvados in Normandy or Lambig in Brittany). The unfermented apple juice and brandy are combined before fermentation, which halts the process entirely and preserves natural sweetness. By law in France, Pommeau must be aged a minimum of 18 months in oak and produced within designated regions. It's rich, amber-colored, and served as an apéritif. It is consider to be a French heritage drink shaped by decades of refinement and protected standards. When did Pommeau receive AOC status? Pommeau received its official Appellation d'Origine Contrôlée (AOC) status in 1991, formalizing the traditional method and legally protecting what can and cannot be called Pommeau within France. And in America? If you ask what Pommeau is in the United States, the answer is: nothing defined. There is no legal TTB definition, no standard of identity, and no trade agreement protecting the name. Yet hundreds of U.S. labels already use the word…sometimes accurately, sometimes loosely, often inconsistently. So the question becomes, "What happens when a French classic with strict rules lands on U.S. labels with no rules at all?" That's the conversation American isn't having… yet. In this episode, Ria speaks with alcohol beverage attorney Lindsey Zahn to unpack what it means to use the word Pommeau in the U.S.—legally, culturally, ethically—and what cider makers and consumers should consider going forward. What happens when a French classic with strict rules lands on U.S. labels with no rules at all? That's the conversation America isn't having… yet. In this episode, Ria speaks with alcohol beverage attorney Lindsey Zahn to unpack what it means to use the word Pommeau in the U.S.—legally, culturally, ethically—and what cider makers and consumers should consider going forward. Key Topics Covered What Pommeau legally means in France Why the TTB has no definition for Pommeau How hundreds of U.S. labels were approved without consistency The difference between fortified cider vs. Pommeau Why a COLA approval does not protect you from trademark or trade disputes U.S.–EU trade agreements and why Pommeau is not protected Risks for current makers using "Pommeau" on labels Why "American Pommeau," "Pommeau-style," or accurate class/type statements may reduce risk The opportunity for U.S. cider associations to create a new American term A call for a naming contest—what the U.S. cider world could build together Why truth in labeling matters beyond regulatory compliance Why this conversation needed to happen…ten years ago Contact info for Lindsey Zahn P.C. Website: https://www.zahnlawpc.com Previous Cider Chat episode with Lindsey : Episode 85 Lindsey Zahn on Cider Law TTB Labeling Resources: https://www.ttb.gov 00:00 Introduction and Common Misconceptions 00:23 Meet the Host and Guest 01:35 Episode Overview: Focus on Pommeau 03:13 Cider Tours Announcement 06:58 Listener Support and Sponsors 08:40 Main Discussion: Legal Aspects of Pommeau 25:34 Trademark Rights and Labeling Concerns 27:34 The Importance of Due Diligence in Labeling 28:46 Pomo: A Gray Area in Cider Labeling 30:30 Alternatives to Using 'Pomo' 32:36 Truth in Labeling and Production Methods 36:08 Advice for Cider Producers 38:39 Role of Cider Associations 46:08 Final Thoughts and Call to Action Mentions in this Cider Chat Totally Cider Tours  

Google Play anuncia las mejores apps y juegos de 2025 con Focus Friend y Pokémon TCG Pocket liderando.  Por Félix Riaño @LocutorCoApoya el Flash Diario y escúchalo sin comercialesGoogle Play presentó los ganadores del 2025, una selección esperada cada año por desarrolladores y usuarios de Android. La sorpresa llegó cuando Focus Friend, la app de Hank Green para mejorar la concentración, consiguió el premio principal por encima de proyectos basados en inteligencia artificial. En juegos, Pokémon TCG Pocket se llevó el título mayor gracias a su adaptación fiel del clásico juego de cartas. Google también destacó apps y juegos que funcionan igual en varios dispositivos. ¿Qué nos dice esta lista sobre la forma en que usamos la tecnología hoy?La lista de Google Play refleja los cambios del año en el mundo de las aplicaciones. El premio a Focus Friend muestra que muchas personas quieren herramientas sencillas para organizarse sin sentirse abrumadas. Este proyecto combina un temporizador con un pequeño personaje que te anima a seguir concentrado. Su estilo tierno, parecido a un juguete virtual, le dio un encanto especial y lo hizo destacar entre tantas opciones de productividad.Pokémon TCG Pocket obtuvo el premio al mejor juego gracias a una adaptación que captura la emoción de abrir sobres, coleccionar cartas y jugar partidas rápidas. Google también premió experiencias pensadas para pantallas diferentes. Luminar se llevó el premio como mejor app en varios dispositivos por facilitar la edición fotográfica con modelos de inteligencia artificial. Y Disney Speedstorm ganó como juego multiplataforma con carreras rápidas y controles ajustados a móviles, tabletas y computadores.El mundo de las aplicaciones cambia muy rápido. Las tiendas están llenas de herramientas que prometen ayudarte a estudiar, trabajar o crear contenido. Esto pone mucha presión en desarrolladores independientes que deben competir con equipos más grandes. Destacar en medio de tantas opciones es difícil, y por eso la lista anual de Google Play se convierte en un punto de referencia para quienes buscan reconocimiento y estabilidad en un mercado saturado.En los juegos ocurre algo parecido. Cada año aparecen títulos nuevos que intentan atraer la atención con gráficos llamativos o mecánicas novedosas. Pero muchos desaparecen a los pocos meses. Las categorías adicionales, como juegos en varios dispositivos, muestran la necesidad de ofrecer experiencias que se adapten a pantallas diferentes. Esto implica más trabajo técnico y obliga a los estudios a pensar en compatibilidad, rendimiento y continuidad de la experiencia.El mensaje más fuerte no está en los premios, sino en el contraste. Focus Friend ganó en un año dominado por asistentes, editores inteligentes y herramientas para producir contenido. Este resultado muestra que muchas personas buscan tranquilidad digital. El encanto del pequeño personaje que te acompaña es un recordatorio de que una app puede ser útil sin necesidad de tener cientos de funciones. La tienda premió una experiencia cálida que ayuda a reducir distracciones en un mundo saturado de notificaciones.En contraste, Pokémon TCG Pocket representa la emoción del entretenimiento clásico llevado al teléfono. Combina nostalgia, competencia y coleccionismo. La adaptación digital funciona bien porque respeta el espíritu del juego original y aprovecha efectos visuales modernos. Al mismo tiempo, los premios multiplataforma reflejan el camino que sigue la industria: experiencias que funcionan igual sin importar el dispositivo. Google intenta mostrar que hay espacio para herramientas simples y para propuestas avanzadas que conectan pantallas.En la lista completa aparecen categorías variadas que muestran la diversidad del ecosistema Android. Entre las apps destacadas están Edits, creada por Instagram para jugar con fotos; Wiser, que resume audiolibros en quince minutos; y ABCmouse 2, diseñada para enseñar a niños pequeños. También figuran aplicaciones para relojes, carros y gafas de realidad mixta, como Calm y Goodnotes, que ya funcionan bien en pantallas más grandes.En juegos, además de los ganadores principales, Google mencionó títulos independientes como Chants of Sennaar y éxitos continuos como Wuthering Waves. La lista incluye también juegos ideales para sesiones cortas, como Candy Crush Solitaire, y propuestas diseñadas para Google Play en PC. Google publicó versiones locales de estas selecciones para países como Japón, Corea, India e Indonesia, y se espera que más regiones reciban sus propias listas en los próximos meses.Google Play eligió a Focus Friend como la mejor app del año y a Pokémon TCG Pocket como el mejor juego. La lista mezcla bienestar digital, nostalgia y tecnología avanzada en varios dispositivos. Piensa cuáles apps te acompañaron este año y si necesitas más equilibrio entre concentración y diversión.

Delivered by Ria from the Parish of Good Shepherd in the Diocese of Surabaya, Indonesia. 1 Maccabees 2: 15-29; Rs psalm 50: 1-2.5-6.14-15; Luke 19: 41-44.THE HOUSE OF GODTHAT IS DESTROYED  Today's meditation is entitled: The House of God thatis Destroyed. There was a recent flood disaster that hit a village inhabited byCatholics. There stands a parish church which was built with community'sself-funded funds about ten years ago. Half of the church building wasdestroyed by the floods, along with much damage to the village. What standsfirm and is not affected by anything is the bell tower on which there is across. Every parishioner and visitor who saw the condition ofthe badly damaged church building showed sadness and shared in the grieftogether. They reminisced about the times when they worked together to buildit. They remember the wonderful times when they worshipped together ingratitude and the warmth of faith among the priest and his people. They notedthat there have been so many sacramental celebrations performed in the church.  We all understand that the church is a place where Goddwells. In His public ministry, Jesus Christ sanctified every place He enteredand visited. The temple is no longer centered in one place, but is in JesusChrist who moves, walks, and reaches every home and person of those who welcomeHim. Jesus brought His own temple to sanctify all who came to or encountered. The worship and purification of God's house is clearlydemonstrated by Mattathias and his Jewish sons, as narrated in today's firstreading. King Antiochus Epiphanes forced the Jews to abandon their worship ofthe Lord God, and to follow the idolatry of the pagans. Mattathias and hisgroup resisted the imposition of the will vigorously, that following the king'swill meant destruction, while following the Lord God meant salvation. Jesus himself fell in pity and became very sad aboutthe holy place, the house of God in Jerusalem which was full of stains of sinbecause of the actions of the religious leaders and the unbelievers in a trueand sincere way. As a result of the desecration, the house will be destroyed tothe ground. In fact, God was foretelling that the kingdom of this world,represented by the magnificent Jerusalem, will in due time be destroyed. Thishappened around 71 AD, Jerusalem was really destroyed by the invaders, namelythe Romans.  Later in the course of time and up to this moment,earthly Jerusalem has never lived in peace and joy. This picture is verysuitable for comparison with every person of believers who is afflicted withsin and iniquity. Destruction and damage are coming soon. God weeps over oursinful condition. We should be aware of that and we should immediately turn toGod and become again His beloved children. Let us pray. In the name of the Father ... O most loving Lord,accept our confession of lack of faithfulness to You and forgive our sins.Glory to the Father and to the Son and to the Holy Spirit... In the name of theFather ...

Send us a textThe Spore Four help Krohan and Ria.Music: PremiumBeat Code: DODEVR4WFCGWZAFC All other music by Tabletop Audio Thanks for listening! You can find us on Twitter @25northpodcastYou can join our Discord community with this invite code "nBTZzTGZdA"You can send us an email at 25northpodcast@gmail.com if you wish

Episode 119: This week, Kyle Van Pelt talks with Eric Kittner, CEO and Chairman of the Board at Moneta Group. Eric began his career at Arthur Andersen and RubinBrown before joining Moneta in 2003. Since becoming Managing Partner in 2018, Eric has led Moneta through a period of remarkable growth, expanding from a single Midwest office to multiple national markets and more than doubling its AUM.  Eric talks with Kyle about Moneta's comprehensive service model and how they've operationally mastered the 'quarterback' role for clients. He also shares the firm's geographic growth strategy and the importance of in-office culture for developing the next generation of advisors. From tax strategy to tech adoption to developing next-gen talent, Eric reveals what it really takes to grow a firm that never loses its human touch. In this episode: (00:00) - Intro (03:11) - Eric's money moment (05:33) - Lessons from Arthur Andersen: culture, training, and crisis opportunity (08:10) - How tax strategy shapes Moneta's approach to serving clients (09:09) - Building a truly comprehensive service model (11:39) - Why Moneta has never taken private equity money (13:43) - Moneta's intentional growth strategy: Go deep, not wide (16:16) - What makes a perfect cultural and business fit for Moneta partnerships (20:50) - Growing next-gen talent through flexibility and connection (25:11) - Recruiting vs. developing future advisors (30:30) - How Moneta leverages technology (33:40) - The biggest tech drag on the advisor experience (36:31) - Eric's outlook on the future of wealth management (40:57) - What makes one RIA different from another (44:01) - Eric's Milemarker Minute Key Takeaways Independence is not just a label—it's a mindset. Whether you're solo or part of a large firm, true independence comes from making decisions that align with your clients' best interests, not outside pressures or short-term gains. Culture is a foundation. Processes and tech can be copied. Culture can't. The way your team behaves when no one's watching determines how clients experience your firm. Intentional growth leads to sustainable success. It's easy to chase expansion or new tech for the sake of momentum. The best leaders grow deliberately, aligning every move with purpose, people, and long-term vision. Technology should create time. Use tools that simplify and elevate human connection, not replace it. The future of advice belongs to firms that blend empathy with efficiency.  Quotes "To us, culture is not a mythical figure. Culture is the total of your behavior on a day-to-day basis." ~ Eric Kittner "We've been very intentional about doing what we do really well, being that quarterback, providing that advice, and coordinating the resources." ~ Eric Kittner "The title on your business card is what it is. When a client reaches out to you, that's when you are their advisor." ~ Eric Kittner Links  Eric Kittner on LinkedIn Moneta Group Andersen Outliers: The Story of Success Leaders Eat Last Connect with our hosts Milemarker.co Kyle on LinkedIn Jud on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify YouTube Produce game-changing content with Turncast Turncast helps your company grow by producing top-quality content and fostering transformative conversations. We specialize in content generation, podcasting, digital strategy, and audience growth for fintech and financial services companies. Learn more at Turncast.com.

Así funciona X Chat, el nuevo WhatsApp de Elon MuskLos nuevos mensajes cifrados de X prometen privacidad total, llamadas y archivos sin publicidad ni rastreo  Por Félix Riaño @LocutorCo  X, la red antes conocida como Twitter, presenta X Chat: un sistema de mensajería con cifrado de extremo a extremo, videollamadas, mensajes que desaparecen y bloqueo de capturas de pantalla. Elon Musk quiere convertir X en la “app para todo”, como el WeChat de China, empezando por este nuevo chat que busca competir con WhatsApp y Signal.  Sigue escuchando Flash Diario en Spotify y cuéntame qué piensas sobre esta nueva apuesta de Elon Musk por la mensajería segura.X Chat ya está disponible en iPhone y en la web, y pronto va a llegar a Android. Es la nueva función de mensajería de X, creada para ofrecer conversaciones cifradas y seguras. El servicio incluye llamadas de voz y video, envío de archivos de cualquier tipo, y la posibilidad de editar o borrar mensajes. También permite configurar mensajes que desaparecen automáticamente.La idea de Elon Musk es que X deje de ser solo una red social para transformarse en una herramienta completa de comunicación. Pero ¿qué tan segura y práctica es esta nueva opción frente a las aplicaciones más conocidas?  Muchos se preguntan si realmente podemos confiar en su cifrado  El cifrado de extremo a extremo, conocido como E2EE, significa que solo tú y la persona con quien hablas pueden leer los mensajes. Ni siquiera la empresa que ofrece el servicio puede verlos. X asegura que X Chat usa este sistema tanto para textos como para archivos, prometiendo privacidad sin anuncios ni rastreo.A diferencia del antiguo sistema de mensajes directos de Twitter, ahora los datos viajan en un canal encriptado. Además, X Chat permite bloquear las capturas de pantalla o recibir una notificación si alguien las toma. También ofrece mensajes que se autodestruyen en un tiempo definido por el usuario. Y todo esto funciona en una sola bandeja junto con los mensajes antiguos, para no perder el historial.  El problema es que el cifrado no protege todo. X reconoce que la llamada metadata —los datos sobre quién envía, a quién, y cuándo— no está protegida. Y ese tipo de información puede ser muy reveladora. Por eso algunos expertos dudan de la seguridad total de X Chat.Otro punto en discusión es la confianza. Aunque Elon Musk afirma que el sistema está inspirado en la seguridad de Bitcoin y en el lenguaje Rust, algunos analistas recuerdan que X ya tuvo que pausar el cifrado en mayo de este año por fallas. También señalan que la compañía planea ofrecer funciones avanzadas solo a usuarios Premium, lo que deja el servicio básico con menos herramientas de protección.  Pese a las críticas, X Chat representa un paso técnico importante. Al fin X tiene un sistema de mensajería moderno y cifrado, con llamadas y archivos, en un entorno libre de anuncios. Su desarrollo en Rust ayuda a prevenir errores comunes en la memoria y a mejorar la velocidad del sistema.Aunque la protección no es tan completa como la de Signal o Wire, la experiencia es más fluida y el cifrado ahora cubre también los grupos y los archivos multimedia. Además, la integración con la plataforma permite comunicarse sin necesidad de número de teléfono, algo que muchos usuarios agradecen.  El cifrado de extremo a extremo se popularizó con WhatsApp en 2016, pero fue creado antes por aplicaciones como Signal y Telegram. Hoy se usa para proteger la comunicación en apps de mensajería, videollamadas e incluso en servicios de correo. En este sistema, los mensajes se codifican con una llave que solo los dispositivos del emisor y el receptor pueden descifrar.WeChat, el modelo que Musk quiere replicar, supera los 1.400 millones de usuarios en China. En Occidente, WhatsApp tiene más de 3.000 millones de usuarios activos. Con X Chat, Musk busca unir mensajería, pagos y redes sociales en un solo lugar. Además, ya se menciona el proyecto X Money, que podría permitir enviar dinero y hacer compras desde la misma aplicación.  Cada día, desde Flash Diario, te acompañamos con noticias de tecnología, ciencia y entretenimiento digital. Lo hacemos para ayudarte a entender cómo estos avances pueden mejorar tu vida y tu manera de ver el mundo.Gracias a ti, que escuchas todos los días, y también a ti, que llegas por primera vez, por hacer parte de esta comunidad curiosa y constructiva. Nuestro objetivo es que te mantengas bien informado, con contenido claro, útil y positivo.  X Chat llega con cifrado, videollamadas y mensajes que desaparecen, buscando competir con WhatsApp y Signal. Aunque aún tiene puntos por mejorar, marca un cambio importante en X.Sigue escuchando Flash Diario en Spotify y cuéntame qué piensas sobre esta nueva apuesta de Elon Musk por la mensajería segura.  X Chat llega a X con cifrado, mensajes que desaparecen y videollamadas. Elon Musk quiere competir contra WhatsApp y Signal.  

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

Kyle Brady talks about the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about the Naperville running scene and the role that the Naperville Running Company plays in it, favorite part of working in the run-retail industry, frozen pizza, and more!If you're in the Naperville area and in need of shoes, be sure to check out the Naperville Running Company!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

James Breaks down the 5 ways investment professionals get information before YOU, the retail investor, and how you can start getting information just as fast as them! That way, you can make informed decisions off the data, instead of off their headlines! 15 Minutes of Finance is your quick, easy to understand take on markets, taxes, and making smarter financial decisions! The show is produced by West and Walters Tax and Wealth Management, an RIA and tax firm based in Carlsbad, California. Hosted by James Walters, CIMA®, CRPC®, and Brandon West, CPA, co-owners of West and Walters, each episode gives you clear, honest, and actionable financial talk in the time it takes to drink your morning coffee! All Information is educational in its intent and distribution! Please do not consider this personal financial advice. We believe all clients have unique situations and thus require unique advice.

Durante décadas se creyó que la Luna no podía tener minerales oxidados. No había manera: sin agua, sin aire y con un ambiente lleno de radiación solar, el hierro debería permanecer “crudo”, sin cambiar de color ni reaccionar con nada.Pero eso acaba de cambiar.

Mack Story unpacks the subtle yet powerful ways distrust creeps into relationships, both personal and professional, often without us realizing it.By sharing practical strategies, Mack equips listeners to recognize and counteract distrust, fostering stronger, more resilient connections with their teams and loved ones.Mack explains how seemingly minor actions—like forgetting to say thank you, ignoring a colleague, or taking someone's efforts for granted—can create distrust faster than trust is built, as distrust taps directly into our emotions.Drawing from personal anecdotes, like his appreciation for his wife Ria's cooking, Mack illustrates how automatic or accidental distrust accumulates over time, especially with those closest to us. He emphasizes that without intentional trust-building efforts, relationships risk deteriorating into divorce, workplace conflicts, or stagnation, using real-world examples to highlight the stakes in blue-collar environments.Mack challenges leaders to offset unintentional distrust by actively building trust through consistent, caring actions, such as acknowledging others' contributions or showing genuine respect.Mack contrasts the ease of reconnecting with old friends—where trust remains intact due to time apart—with the daily erosion that occurs in close relationships when trust isn't nurtured.

Spotify lanza dos funciones nuevas: resumen con inteligencia artificial para audiolibros y modo aleatorio mejorado Por Félix Riaño @LocutorCo  Escucha este episodio completo en Flash Diario.Spotify acaba de presentar dos novedades pensadas para quienes escuchan música o audiolibros en su app. La primera es “Recaps”, un resumen con inteligencia artificial que te pone al día en cualquier libro que hayas dejado a medias. La segunda es un nuevo modo “Aleatorio con menos repeticiones”, que promete variar más las canciones en tus listas de reproducción. Ambas funciones ya están disponibles para usuarios Premium en iPhone y están siendo probadas en inglés. ¿Qué tan distintas son estas mejoras y cómo van a cambiar la forma en que escuchas Spotify?Lo curioso es que ambas funciones resuelven problemas muy antiguosDesde hace años, los oyentes de audiolibros en Spotify pedían una forma de recordar dónde habían quedado. “Recaps” responde justo a eso. Esta herramienta genera un resumen de audio, creado con inteligencia artificial, que se activa después de escuchar entre 15 y 20 minutos de un libro. Cuando vuelves, solo tocas el botón “Recap” y escuchas un resumen sin spoilers, narrado con una voz natural. Es como un “anteriormente en…” de las series, pero para libros. Así puedes retomar tu historia sin tener que retroceder ni perder tiempo buscando el punto exacto donde te quedaste.Muchos usuarios abandonan los audiolibros porque los dejan a medias y luego olvidan lo que pasó. Spotify lo sabe, y por eso desarrolló esta función con ayuda de grandes editoriales como Penguin Random House, HarperCollins y Hachette. Desde que compró la plataforma Findaway en 2021, la empresa ha construido un catálogo de más de 500 000 títulos y paga cientos de millones de dólares a las editoriales cada año. Con Recaps, Spotify busca que más gente termine los libros que empieza, sin reemplazar la narración original ni usar esos contenidos para entrenar modelos de inteligencia artificial. Su director de investigación, Paul Bennett, aclaró que los resúmenes no modifican ni imitan la voz de los narradores.La otra novedad de Spotify es para quienes escuchan música. Desde hace años, los usuarios se quejaban de que el modo aleatorio no era tan aleatorio. Decían que el algoritmo repetía artistas o canciones muy seguido. Spotify escuchó y lanzó dos tipos de “shuffle”: el nuevo “Menos repeticiones” y el “Estándar”. El primero será el modo predeterminado e intenta mantener la frescura mezclando los temas con más variedad, mientras que el segundo usa un generador matemático llamado Mersenne Twister para crear un orden completamente al azar. En los ajustes de reproducción podrás elegir el que prefieras. Spotify explicó que el nuevo “Aleatorio con menos repeticiones” genera cientos de combinaciones posibles de una lista, las evalúa y elige la que más variedad ofrece. Según su directora de personalización, Lauren Saunders, “la aleatoriedad pura puede ser frustrante, porque a veces se agrupan canciones parecidas”. La idea es que el oyente sienta sorpresa, pero sin que se repitan los mismos artistas. Además, la empresa añadió funciones como “Snooze” para pausar recomendaciones, y Wrapped-style para ver tus estadísticas musicales cuando quieras. Con estas actualizaciones, Spotify quiere que escuchar música o audiolibros sea más personal y menos repetitivo, apostando al control del usuario y a una experiencia más humana.  Spotify está usando inteligencia artificial y nuevos algoritmos para hacer que escuchar música o audiolibros sea más fácil, variado y entretenido. “Recaps” te resume el libro que dejaste a medias, y el nuevo modo aleatorio refresca tus listas. Cuéntame, ¿cuál vas a probar primero?  Bibliografía:CNETThe VergeTechCrunchMashableSpotify NewsroomThe TabConviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.

Robert Sechan, Co-Managing Partner at NewEdge Capital Group and CEO of NewEdge Wealth, reflects on the firm's journey to becoming a top RIA and explains how innovation, partnership, and client alignment remain central to the firm's mission and growth. He also discusses the culture that drives performance, the core values that shape decision-making, and the vision behind building a modern wealth management platform.

A typical RIA “tech stack” is comprised of 3 core pieces of software:CRMFinancial PlanningPortfolio ManagementBut what exactly does the generic sounding “portfolio management” tool do?Considering it is typically by far the most expensive piece of a tech stack, it's important to understand the role it would play in your practice.In this episode (#136) of the Transition To RIA question and answer series I explain:What a portfolio management tool is.How these tools came to be.How they align with other parts of a tech stack.And in some scenarios, whether you even need one to begin with!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-does-the-portfolio-management-tool-in-an-ria-tech-stack-do/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.

Learn how to pick the right Cider and Perry for every dish on the Thanksgiving table. This week we are not chasing brand names. We are building flavor intuition. Consider Thanksgiving not as one single taste on a plate; it is a stack of distinct taste worlds. Each one asks for its own kind of cider or perry. In this holiday feature, Ria and the Talking Pommes a.k.a. Perry Pear, Mr. Quince, and The Medlars talk through the art of pairing cider and perry for the entire Thanksgiving feast, from the welcome sip to dessert. You will learn how to shop with confidence, how to read a label for style rather than brand, and how to bring bottles that make every part of the meal sing. There is also a downloadable Thanksgiving Cider Shopping Checklist PDF below to make your trip to the store simple and stress free. Chapters for Episode 477 00:00 Introduction and Talking Pommes 00:47 Welcome to Cider Chat 02:02 Thanksgiving Traditions and Preparations 06:05 Upcoming Cider Tours 07:40 New York Cider Events 10:26 Ultimate Cider Pairing Guide for Thanksgiving 14:00 Choosing the Right Cider for Starters 18:33 Main Course Cider Pairings 20:37 Turkey Preparation and Cider Pairing 21:12 Smoked Turkey and Barrel-Aged Cider 21:49 Creamy Sides and Semi-Dry Cider 22:31 Fruit Ciders for Roasted Vegetables 22:57 Choosing the Right Cider 23:58 Introducing Cider to Friends and Family 25:01 Low Alcohol Ciders for Gatherings 26:30 Dessert Pairings with Cider 31:31 Serving Cheese and Fruit Plates 33:01 Thanksgiving Table Preparations 36:19 Final Thoughts and Recommendations Mentions in this Cider Chat Totally Cider Tours Cider Share November 14, 2025 | Red Hook Cidery Brooklyn NY New York Cider Fest November 15, 2025 | City Winery Manhattan

While many advisors seek client referrals, an intentional approach can lead to a steadier flow of leads. Today's guest breaks down how coaching clients on making introductions and small communication tweaks can turn satisfied clients into proactive advocates, driving steady, qualified opportunities week after week. David Stevens is the President of Stevens Capital Partners, an RIA based in Omaha, Nebraska, managing $500 million in AUM for 475 households. Listen in as David shares how he's built a thriving referral engine—receiving 10 to 15 client introductions per week—by teaching clients how to make meaningful connections instead of simply "asking for referrals." You'll learn about the timing and phrasing he uses to normalize referrals during onboarding, how he uses text messaging in this process, and how his firm has adapted as it has added clients across a range of segments. For show notes and more visit: https://www.kitces.com/463

Lindsey Mulder talks about what drew her to become involved in leadership with the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about what makes Playmakers Footwear and Apparel so special, the Thanksgiving dish to take off the menu, why she's excited for TRE in San Antonio this year, the importance of running shoes, double-decker tacos, and more!If you're in the East Lansing area and in need of shoes, be sure to check out Playmakers Footwear and Apparel!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

Daniel Stefanski is an Associate Wealth Planner at MY Wealth Planners, and he joins the show today to share how he accidentally discovered financial planning and how his career has progressed so far. If you're interested in breaking into financial planning, navigating a career transition, or learning how to strategically pursue opportunities that align with your values, this episode is for you! Listen in as Daniel shares how he initially dismissed financial planning as just investment sales but discovered his passion for it after landing a co-op position with a financial planning firm during COVID-19. He explains what he learned through that experience, why he decided to move on, and how he strategically targeted the RIA channel—even relocating across the country and accepting a pay cut to pursue the right opportunity. You'll hear about the mentorship and growth he's experienced at his current firm, the lessons that have shaped his career path, and more. You can find show notes and more information by clicking here: https://bit.ly/3WytKH8

This episode features a calming guided meditation led by the lovely Ria from Perfect Pose Yoga, as featured on the My Possible Self App. This session is designed to help you gently transition from the busyness of the day into a peaceful night's rest. Whether you're winding down before bed or already tucked in, this meditation invites you to lie down, breathe deeply, and let go. Ria is a seasoned yoga teacher with over a decade of experience. She's passionate about sharing the empowering magic of yoga and helping others become their most vibrant selves. Her warm, inclusive approach creates a welcoming space for all, and her sessions are known for their friendly, community feel. When she's not guiding yoga, Ria enjoys exploring her love of crystals, adventuring with her son Jack, and pampering her four beloved cats. Settle in, press play, and let Ria guide you into deep relaxation and restful sleep. To download the free My Possible Self App: https://mypossibleself.app.link/podcast To follow My Possible Self on Instagram: https://www.instagram.com/mypossibleself/ To follow Ria on Instagram: https://www.instagram.com/perfect_pose_yoga Perfect Pose Yoga website: https://www.perfectposeyoga.com/  

In this episode, Ted and Owen sit down with Jennifer Newby, a fearless DIY homebuilder turned developer whose story proves that grit and curiosity can outbuild any limitation. From tearing down her first house with a sledgehammer to constructing luxury homes from scratch, Jennifer turned “learning as you go” into a full-fledged business model.She shares how she and her husband built their first home using YouTube videos, library books, and pure stubbornness — living in a camper, bootstrapping their way through every obstacle, and learning one painful drywall lesson at a time.Now, Jennifer's creating affordable housing, mentoring new investors, and leading the next generation of builders through her local RIA. This episode is for anyone who's ever wondered what happens when you stop waiting for permission and just start building.You'll learn:How Jennifer turned $10K and a dream into a full-time development careerThe smartest (and dumbest) DIY lessons she learned along the wayHow joining her local RIA changed her trajectoryWhy mentorship and community matter more than money in the beginningHow she balances grit, growth, and a little chaos at home

Jon Beatty discusses what's driving growth in the RIA industry, and how AI is changing the game. He thinks we're seeing early wins in the industry with the use of AI and thinks it will help firms scale while strengthening the client experience. Many investors like advisors with a personal touch; Jon thinks AI can make the connection more seamless.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Krystal Fortner built a thriving, advice-only firm by choosing clarity, community, and client-first values over sales pressure. In this episode, we trace her path from cold-calling at a wirehouse to launching her RIA with same-day state approval, and how learning product sales made her a stronger fiduciary.Krystal shares how witnessing a "don't ask questions" sales culture shaped her ethical approach and how one generous Saturday conversation sparked a lasting referral flywheel.We also dig into launching with XY Planning Network, how their compliance, registration, and peer support helped her hit the ground running, and the early days of signing her first clients. Krystal talks about finding quality leads, paying it forward, and designing a sustainable life that includes marathon training, CrossFit, and boundaries that protect her energy.For new planners, she offers a surprising tip: spend time in a wirehouse. You'll learn the complex products clients bring to the table and how to untangle them with empathy. Then build the model that fits your values.If this episode helps you see a better way to serve clients, follow the show, share it, and leave a quick review so more planners can find it.Social:https://www.linkedin.com/in/krystalfortner/

How to clarify, stabilize, and finish cider the right way The Purpose of Secondary Fermentation when Making Cider Once the apple juice has started fermented and it is now slowing down, it is time to rack over your cider for secondary fermentation. Secondary fermentation is where your cider moves from "young" to "refined." This stage improves clarity, stability, and overall quality before bottling or serving. 00:00 – Introduction and Welcome 00:27 – Meet the Host: Ria Windcaller 00:45 – The Magic of Clothes Pins 01:14 – Episode Overview: Secondary Fermentation 01:55 – Replay Announcement: Season 8, Episode 386 02:14 – Cider Making in the Northern Hemisphere 02:34 – Cider Making Resources and Equipment 06:09 – Totally Cider Tours 13:29 – Upcoming New York Cider Festival 15:31 – Featured Presentation: Clearing Cloudy Cider 24:01 – Observing Fermentation Activity 24:21 – Timing and Patience in Cider Making 24:54 – Understanding Racking Over 25:32 – Dealing with Stuck Fermentation 26:59 – Secondary Fermentation Indicators 27:47 – Preparing for Racking Over 29:13 – Racking Over Process 30:49 – Using Sulfites and Equipment 35:32 – Handling Head Space and Lees 38:38 – Final Tips and Bottling 42:43 – Supporters and Closing Remarks Why Secondary Fermentation Matters Secondary fermentation helps your cider: Improve the overall quality and characteristics of the final product during secondary fermentation by; Clarify: After the vigorous primary fermentation phase, yeast, pulp, and particulate matter settle out. Giving the cider time in secondary creates that clean, bright look in the glass. Stabilize: Letting the cider relax in a less active fermentation state helps smooth out rough edges and reduces the risk of funky off-character flavors. Reduce Bottle Sediment: Most of the lees settle in the secondary fermenter — not in your final bottles — giving you a cleaner, professional-looking cider. Avoid Off-Flavors: Yeast that sits too long on the lees can break down (autolyze) and create harsh, unpleasant aromas. Racking to secondary moves the cider off that yeast layer and protects the finished profile.. Secondary fermentation is a crucial step for refining cider, enhancing its clarity, taste, and stability before it is consumed or sold. Past Cider Making Episodes 381 DIY Cider Making for Beginners 382 Beginner Tips for Squeaky Clean Cider Equipment 384 Beginner Cider Making Tips forPrimary Fermentation  When to Transfer to Secondary Primary fermentation must be substantially complete. Signs include: – Airlock activity slows way down – Gravity readings stabilize over several days – Visible bubbling is minimal – A firm lees bed is forming at the bottom – Taste test confirms sugar is mostly gone (unless aiming for sweet Equipment needed for Cider's Secondary Ferment Find a complete list with links to purchase at the Cider Making Equipment page at ciderchat.com Extra Apple Juice to for topping off Secondary Fermenter – glass carboy of equal size Airlock and Bung Racking Cane or Auto-Siphon Sanitizer Hydrometer or Refractometer Tubing & a clothes pin ( a Ria tip to have on hand for clamping tubing as you go so it can be managed to insure that the tube doesn't slip down into the lees and stir them up) Bottle Brush and Cleaning Equipment Determining when Secondary Fermentation Begins Completion of Active Primary Fermentation: Watch and notice when the vigorous phase of primary fermentation is complete, which is typically indicated by a significant decrease in airlock activity or specific gravity readings that are close to the target final gravity. Gravity Readings: Use a hydrometer or refractometer to take consecutive gravity readings over a few days. When readings are consistent, it suggests that fermentation has slowed down enough for secondary transfer. Visual Clues: Look for a drop in the level of visible activity, such as the reduction of bubbles and the beginning of sediment formation at the bottom of the primary fermenter. Taste Test: Conduct a taste test for residual sweetness. If the cider is too sweet, it may need more time in primary fermentation unless the desired style of cider is sweet rather than dry. Timeframe Guidance: Generally, primary fermentation can take anywhere from a few days to two weeks, depending on factors like temperature, yeast strain, and original sugar content. Avoiding Off-Flavors: Transfer before the cider has sat too long on the lees at the bottom of the carboy to prevent off-flavors that can result from yeast autolysis. Specific Style Goals: Factor in the specific goals for the cider's style, as some styles may benefit from a longer or shorter primary fermentation before secondary. Equipment Availability: Ensure that the secondary fermentation vessel is prepared and sanitized before deciding on the transfer to avoid any delays once the cider is ready. Common Problems during Secondary Ferment Stalled Fermentation – Adjust fermentation temperature to optimal range. Excessive Oxidation – Minimize headspace and avoid splashing when transferring. Contamination – Practice stringent sanitation and possibly discard contaminated batch. Sulfite Burn – Allow time for dissipation or use activated carbon treatment. Insufficient Carbonation – Verify yeast viability and sugar availability; maintain proper bottle conditioning temperature. Sediment in Bottles – Allow full clearing in secondary, use fining agents, and bottle carefully. Unexpected Flavor Changes – Allow time for maturation or blend with another batch. Pressure Build-up in Containers – Use an airlock or periodically vent the container. Cider Becomes Too Dry – Monitor gravity to stop fermentation at desired sweetness or back-sweeten with non-fermentable sweeteners. Mentions in this Cider Chat Totally Cider Tours New York Cider Fest – City Winery NYC November 15th

We're back for round two with the one and only Ria Mae — and just in time for the release of her brand-new full-length album, Two, dropping this weekend!   Ria talks about what's changed this time around — from promotion to production — and how focusing less on perfection and more on authenticity has shaped both the music and her mindset. She shares how running her career like a small business has brought her clarity (and saved her from buying one from a Boomer), and why that practical shift has been key to her creative freedom.   We chat about cheering on the Halifax Tides women's soccer team, finding real value in TikTok, and setting boundaries to stay healthy and grounded. As fellow creatives, we also talk about the energy it takes to stay prolific — something Ria manages with ease and intention. Ria Mae is a JUNO-nominated singer-songwriter known for hits like “Clothes Off” and “Bend.” With Two, she's showing what happens when you let go of pressure and make art on your own terms.     Watch this episode on YouTube: https://www.youtube.com/@mikeandkristen   Join our Patreon: https://www.patreon.com/c/mikeandkristen   Us on the web: www.mikeandkristen.ca Instagram: www.instagram.com/mike_and_kristen/ Facebook: https://www.facebook.com/mikeandkristencreative Shoot us a message! Say hello, tell us who you think we should have on the podcast, and your deepest and darkest secrets: mikeandkristencreative@gmail.com  Review our book "You and Me" on Amazon (it helps a lot!!): https://amzn.to/3qqNCMo Intro song: “A Day in the Life" Outro song: “The Show" both by Mike (Michael S. Ryan) from his upcoming 88 song project Power Chords Mike's site: www.michaelsryan.com Kristen's site: www.kristenherringtonart.com Ria's IG: https://www.instagram.com/riaisawake Ria's Website: https://www.riamae.com/ Ria's Tour Schedule: https://www.riamae.com/#shows

Finding the right firm fit (and a well-defined path to partnership) can take time—and sometimes, the courage to start over. From wirehouse beginnings to RIA partnership, Maggie Rapplean's journey shows how clarity, persistence, and the right environment can open the door to both ownership and balance. Maggie is a Partner at Moneta Group, an RIA based in St. Louis, Missouri, where she oversees $250 million in AUM for 108 client households. Listen in as she shares how her career transitions have helped her find the equity path she was seeking. We talk about how she successfully took over a retiring advisor's book of business, how she achieved a high retention rate in part by refreshing these clients' financial plans and offering deeper tax planning services, and how building her own team has helped her balance career growth with family life. For show notes and more visit: https://www.kitces.com/462

In this episode, Nicole opens up about the hardest year of her life, balancing motherhood, money, and a messy business breakup, and how she found the strength to start over and build something entirely her own. 0:48 Nicole's start at Merrill Lynch  2:11 Defining what “ultra-high-net-worth” really means. 3:26 Watching $100M+ exits up close early in her career. 5:06 Leaving Merrill to go independent and start a firm. 6:41 Early struggles learning how to build an RIA. 8:01 Finding a niche with pro athletes and exonerees. 9:46 First red flags about her business partner. 11:41 Partner diverts company resources to other ventures. 13:56 Realizing something feels off — considering leaving. 15:36 Her baby's stroke changes everything overnight. 17:29 Balancing special-needs motherhood and running the firm. 19:11 Discovering the profit over-distributions. 20:51 Realizing her capital account is negative $20K. 22:31 Quietly preparing her exit and seeking legal advice. 23:56 The conversation — telling her partner she's leaving. 25:13 Negotiating the $20K down to $5K. 26:06 Launching her own firm, PearlVest Capital. 27:01 The shocking math: owning 100% pays more. 27:51 Acquiring other firms and empowering women advisors. 28:41 Final lessons and emotional close.

From the beginning of his career, Gabriel Shahin, CFP®, set out to educate investors and serve aspiring wealth accumulators. As Founder and Principal of Falcon Wealth Planning, Gabriel now leads a fee-only RIA focused on financial planning, with an emphasis on tax and retirement structuring. We sat down with Gabriel to discuss his new book, How the Rich Get Richer: Your Ultimate Guide to Building Wealth. Gabriel dives into the financial planning principles and investing strategies that allow high-net-worth individuals to establish lasting wealth, and shares how understanding your clients' financial motivations is integral to successful, long-term client relationships.

Grab a drink and join Phil & Michelle for another Happy Hour with one of the industry's top leaders — Jeff Moore, President of the Restoration Industry Association (RIA) and President and Chief Acquisitions Officer at ATI Restoration.Jeff shares the remarkable story of how his family's abatement business evolved into a national restoration powerhouse. From defining roles in a family company to building a strong culture and hiring top talent, Jeff offers candid insights into what drives sustainable growth.He breaks down:- Why profitability now matters more than raw growth.- How smaller operators can dominate their local markets.- The RIA's initiatives to improve communication, pricing, and industry unity.- His funniest industry story- ...and MORETune in for a mix of leadership lessons, business strategy, and good laughs — only on Happy Hour with Phil & Michelle!

Grab a drink and join Phil & Michelle for another Happy Hour with one of the industry's top leaders — Jeff Moore, President of the Restoration Industry Association (RIA) and President and Chief Acquisitions Officer at ATI Restoration.Jeff shares the remarkable story of how his family's abatement business evolved into a national restoration powerhouse. From defining roles in a family company to building a strong culture and hiring top talent, Jeff offers candid insights into what drives sustainable growth.He breaks down:- Why profitability now matters more than raw growth.- How smaller operators can dominate their local markets.- The RIA's initiatives to improve communication, pricing, and industry unity.- His funniest industry story- ...and MORETune in for a mix of leadership lessons, business strategy, and good laughs — only on Happy Hour with Phil & Michelle!

Harry Chandler talks about his role as president of the Running Industry Association and how important The Running Event is to the RIA and brick-and-mortar run specialty stores. We also chat about why he's excited for TRE in San Antonio this year, owning the Charlotte Running Company, and the importance of running shoes, why representation and community are necessary, hot banana pudding, and more!f you're in Charlotte and in need of shoes, be sure to check out The Charlotte Run Company!Follow the official The Running Event Page for updates and information ahead of this year's event, which will take place in San Antonio from December 2-4.Be sure to follow Lactic Acid on the following platforms:  YouTube: Lactic Acid Podcast Twitter: Lacticacid_pod Instagram: Lacticacidpodcast Substack: Lacticacidpodcast

A new episode of Money Wise this week dives into a record-setting week on Wall Street, where all three major indexes pushed higher despite political gridlock in Washington - wiith the Dow, S&P 500, and NASDAQ all closing at new all-time highs. Despite the government shutdown stretching toward record length, the markets showed little concern, illustrating that investors remain focused on earnings and fundamentals rather than politics. The conversation turns to the latest Consumer Price Index (CPI) data, which came in slightly cooler month over month, reaffirming hopes that inflation continues to trend in the right direction. The Money Wise guys debate whether the Federal Reserve's long-standing 2% inflation target is still realistic, pointing out that historical averages suggest 3% may be a more natural long-term level. They also examine continued challenges in housing, where higher mortgage rates and nervous buyers have led to slower activity, but emphasize that overall consumer sentiment remains surprisingly resilient. The guys also tease an upcoming discussion on gold's rapid rise and why investors should approach the “shiny metal” with caution despite its strong recent performance. A Goldilocks Market  A “Goldilocks market” describes an economy that's not too hot and not too cold, one where growth is steady, inflation is manageable, and the Federal Reserve isn't under pressure to raise or cut interest rates dramatically. This balance creates an environment that's often ideal for investors, as companies can grow earnings without the headwinds of high borrowing costs or runaway inflation. In weeks like this, when market data comes in “just right,” it reassures investors that the economy remains stable, supporting confidence and momentum in both stocks and broader market sentiment. 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 episode 215 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Stephanie Roth, Chief Economist at Wolfe Research, to discuss: the economy, tech earnings, the Fed, the wealth effect, AI and the labor market, and much more! 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: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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

Choosing a custodian to hold your client assets is one of the most important decisions you'll make when transitioning your practice to the RIA model.While it might at first seem as simple as picking from the “Big 3” (formerly “Big 4”) custodians, the reality is there are close to a dozen custodial providers to potentially choose from.Differentiators amongst them include: AUM minimums, pricing, approach to technology, value proposition, service offerings, etc.In the latest episode (#135) of the Transition To RIA question & answer series I discuss how these variables will factor into your custodial decision.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-the-best-custodian-to-use-with-your-ria/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.

KCSU music director Ria sat down with Jared Swilley of Black Lips ahead of their Dever show at the Mission Ballroom on October 28th, 2025. On this tour the band is supporting Viagra Boys whilst performing songs from their latest album “Season of the Peach”. The two discuss the excitement of touring, the juxtaposition of telling intense stories with a lighthearted sound, and how aliens might react to bird sounds.Ria JanapatiWe are here at the Mission Ballroom, October 2[7]th, [2025]. You are Jared of the Black Lips-Jared SwilleyJared, and you are?Ria  I am Ria, Music Director of KCSU; I've got some questions. Jared  Cool. Ria  First one being: You've been doing this music thing for a hot minute now, are there things about being on the road specifically that change for you excitement level wise? Jared  Oh sure, yeah. There's a different, like, excitement level. I've been touring since I was 16. We drove- the first like US tour we ever did was pretty miserable, but it was still the funnest thing; like, by my standards today, it would be pretty miserable, but I remember  seeing the desert for the first time, and that's like, that excitement- I can remember the excitement I felt, like, the first time I saw a cactus. But like, now, you know, I slept on a pretty drive today because I've seen a lot of that stuff. So that changes. I still love being on stage and stuff. But yeah, I mean, just like, anything you do forever, things get boring. Ria  Are there any cities that you visited a first time and you, like, couldn't wait to go back? Or maybe the opposite, you were really excited, but it wasn't your fav. Jared  Oh, I won't mention any cities I didn't like, because I figure it's best not to say negative things about people or places. But there's... like, yeah, a lot of cities. I mean, talk about [the] excitement of being someplace. I remember the feeling of the first time we went to Europe to play; I couldn't believe it, like, because it was, it felt really cool. And I wanted to go back to all those cities, and I have been back to pretty much all of them. Or, like, you know, like Tokyo, like going there, I was like, "I have to come back here. It's awesome." So most, most places I would like, I, you know, there's, there's very few places I'd be like, “I never want to go there again.” So, yeah, I like most places.Ria  I've seen that you guys have come to be known for pulling some antics during live shows, especially more in the DIY spaces. Has there been anything you've really wanted to do during a live show that would just be like a fun little act that no one saw coming? Jared  There is one that we've been talking about doing... because we've done, like, all sorts of crazy stuff, and we're, like, older now, so I'm not trying to, like, make anyone upset anymore, like, do anything crazy. But like, have you ever seen the Wizard of Oz? Ria  Absolutely. Jared  So you know, like, when the Munchkins, like those guys come out as, like, the lollipop... the old guys? We want to- I guess I'm spilling the beans here, but it'll surprise people when we do it. But like, we kind of, like… We have this song that's about eating candy on our new record, and we want to just like, stop in the middle, hopefully, at a really huge show, like something like this [Mission Ballroom], or at a big festival, and, like, drop our instruments and go into the lollipop guild dance and then just start playing again. That's kind of like what we want to do.Ria  Nice. A little surprise, a little dance break. Jared  YeahRia  Yeah, awesome. You just have to get the choreography down. Jared  Yeah.Ria  And then your newest album, Season of the Peach, I noticed it takes on a lot of different genre influences. There's some rockabilly sound, there's some 60s stuff, some folk stuff going on, just all over the place. So when you're taking inspiration to create something new like that, where do you find yourself looking?Jared  I'm always looking in the past, and that's just for me. Fortunately, in this band, like all five members [contribute equally], right? So that's why it can kind of seem like it's all over the place, like musically. But, I mean, I only listen to, like, very old music, so that's kind of really what I'm pulling from; I listen to, like, old country and doo-wop and rockabilly and blues and stuff like that, so that's usually... I'm just trying to recreate stuff in a kind of, like, not as good way as the stuff I really like.Ria  Back on your 2020 album, there's a song called "Angola Rodeo", and that song really interested me in the storytelling of it. It seemed like a bit of a silly take on, like, real life events. So-Jared  YeahRia  When you're going about doing that. Where do you draw the line between like, not taking yourself too seriously?Jared  Well, you want to like, not like... or at least with me, I want to be like, if I'm talking about something very serious, and that's a very serious thing... Do you know the story of, like, the Angola rodeo? Ria  Yeah, it's a prison rodeo.Jared  Yeah, prison rodeo, and we actually went to it. I'd always wanted to go, and we went, and it's like, you know, it's pretty controversial. I happen to be in favor of it, just because it's like, if you're doing life in prison, or if you're on death row, like, it's the best day of your life when you get to do... They actually do it for like, a few months of the year. But you know, you don't want to be too preachy or too sappy, so you got to have your tongue firmly in cheek. My theory has always been, if you have, like, a really sad subject matter, make it a very poppy sounding song. And if you have really happy sounding stuff, it should be like, darker. That's kind of like how I like to do things. Ria  Yeah, just flip them on their head. Jared  And it's still, like... The lyrics are still like, kind of serious; but it's like a fun kind of sounding song. But you know, the Angola Prison is, like, one of the darkest places in the United States. It's pretty rough there.Ria  I just thought that was really interesting, because on a first listen, if you're not really paying attention, it'll just be like, "Oh, this is a fun little tune-Jared  There is, like, a big, like, stark contrast when you go to that rodeo, because you are in this just incredibly dark place. You drive in and you see death row, and you see the fields they're all working in, but then you go in there, and it's like, a really happy environment; like the prisoners... It's like, all guys on best behavior, but they've been working; like, they sell their arts and crafts that day. Their families are allowed to come in. They can actually have like, conjugal visits with their family in there. So it's like, it's super dark, ...

Balefire Wealth's transformation from two thriving RIAs into a unified enterprise business with national ambitions showcases the strength of shared vision and cultural alignment. In this episode of the RIA Edge Podcast, host David Armstrong talks with Jason Hester and John Hoffman, co-CEOs of Balefire Wealth, a new RIA born earlier this year from the … Read More Read More

With the term "financial advisor" being used so broadly these days, it's harder than ever for retirees and investors to make sense of who's actually guaranteed to act in their best interest. So let's talk about the key responsibilities of fiduciaries, explore the differences between fee-only advisors and those who earn commissions, and go through why full disclosure and ongoing advice matter so much in your financial planning relationship. I share practical tips on how to vet potential advisors, whether you're unhappy with your current one or searching for the right fit for the first time, and discuss online resources designed to help you find an aligned, trustworthy professional. If you want to make sure your advisor is truly putting your interests first, this episode is for you. You will want to hear this episode if you are interested in... [00:00] What is a Fiduciary Advisor? [04:59] Fiduciary duty in financial advice. [10:14] Advisor compensation and fiduciary conflicts. [13:16] Financial advisor versus Fiduciary. [14:41] Choosing your Fiduciary Advisor. [16:22] How to find a potential Fiduciary Advisor. What Is a Fiduciary and Why Should You Care? A fiduciary is someone who is legally and ethically bound to act in your best interest. Professions such as attorneys, executors, and corporate officers have fiduciary obligations, but in wealth management and investing, this distinction is particularly critical. Registered investment advisory firms (RIA) and their representatives are fiduciary advisors, meaning their primary responsibility is you, the client, unlike brokers or insurance agents, whose loyalty is often to their employer. Because anyone can call themselves a "financial advisor," the consumer's challenge is identifying who's truly working for you. How Fiduciary Financial Advisors Serve You 1. Duty of Care A fiduciary advisor must always put your interests first, providing recommendations and advice tailored for your benefit. This doesn't automatically mean recommending the cheapest investment, it means recommending the most appropriate solution, factoring in cost, liquidity, and other key details. If an advisor recommends their own firm's products, this must be clearly disclosed due to the potential conflict of interest. 2. Duty to Seek Best Execution When managing your investments, a fiduciary is responsible for choosing brokers and executing trades with your best interest in mind. It's not just about low commissions; it's about balancing price, research, reliability, and responsiveness. 3. Ongoing Advice and Monitoring A true fiduciary doesn't just sell you a product and disappear. They provide continuous advice, meet with you regularly, ideally at least annually or semi-annually, and adjust your strategy as your life and goals change. If you haven't heard from your advisor in years, they're likely not fulfilling their obligations. 4. Duty of Loyalty Advisors must actively avoid or disclose any conflicts of interest. Vague, general disclosures aren't enough; specifics matter so you can make informed decisions. For example, any financial benefit your advisor receives from recommending a particular fund or insurance policy should be clear and transparent. How Fiduciary Advisors Get Paid and Why It Matters Fiduciary RIAs typically avoid commissions and instead rely on three main payment models: Hourly Fees: You pay for the advisor's time, just as you would an attorney. Flat Fees: One-time fees for specific services, like a comprehensive financial plan. Assets Under Management (AUM): The most common method; you pay a percentage of the assets the advisor manages for you (often around 1% annually). The aim is to remove any incentive for the advisor to recommend products based on compensation rather than your best interest. Financial Advisor vs. Fiduciary: Spotting the Difference Many professionals use the title "financial advisor," whether they are fiduciaries or not. The real question to ask: Are you a fee-only advisor? Fee-only advisors are paid solely by the fees their clients pay, not commissions or kickbacks from financial products. To do your own research, use the online tools I recommend to verify credentials, licenses, and complaint histories. Also think about asking your advisor to sign a fiduciary oath, confirming their commitment to act solely in your interest. A fiduciary promises ongoing advice, transparency, and loyalty, values that matter when your future is at stake. Remember: Ask questions, verify credentials, and always ensure your advisor is truly working in your best interest. Resources Mentioned Retirement Readiness Review Subscribe to the Retire with Ryan YouTube Channel Download my entire book for FREE BrokerCheck IAPD findmyfiduciary.com Fiduciary Oath CFP.net Connect With Morrissey Wealth Management www.MorrisseyWealthManagement.com/contact Subscribe to Retire With Ryan

What is an “admired leader,” and how can you become one? Dr. Suzanne Peterson, partner at CRA | Admired Leadership, has been studying and advising businesses for over 20 years on how senior leaders can create influence and develop trust within their organizations. She joins Dimensional's Catherine Williams for an episode of Managing your Practice to discuss the traits, behaviors, and communication styles of the most admired leaders that can create an authentic, engaging, and inspiring environment for employees and clients alike.

Podcast Show SummaryOn this episode we welcomed the fabulous Genevieve Bellaire, Founder and CEO of Realworld, a tech startup designed to assist Gen-Z in transitioning to adulthood. Realworld offers guidance on various life topics often overlooked in school, such as finances, healthcare, and taxes.  Genevieve says that when she started Realworld, she wasn't trying to build a startup, she was trying to solve a personal problem: Why is life as an adult so overwhelming? She shares anecdotes about the challenges and triumphs she has faced along the way, underscoring the importance of adaptability in the rapidly changing tech landscape and how she and her team are leveraging AI and the multitude of ways that it can be incorporated into the tool.  Hear about the evolution of Realworld from its inception as a comprehensive educational platform to its current state as an innovative AI-driven app. Annie delves into Genevieve's vision for the future, exploring how Realworld plans to expand its offerings and further empower young adults to navigate the complexities of modern life with confidence and ease.Tune in to hear about the entrepreneurial spirit that drives Genevieve and her team, as well as valuable advice for aspiring entrepreneurs looking to make their mark. Whether you're a recent graduate, a young professional, or simply interested in innovative solutions for adulthood, this episode promises to be both enlightening and inspiring!!About Genevieve BellaireAbout RealwordAbout 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

Wahoo! Episode 200 is here and we're celebrating with a special live episode with Ria Brodell! Ria gets into how they create each portrait and biography, why art brings us closer to one another, and the gifts and challenges of the archive. They also discuss the responsibility of the artist in representing the “underhistoricized” as Chris Vargas calls it in the introduction to the volume. Plus, questions and answers with the live audience! Learn more about Ria Brodell at https://www.riabrodell.com/ Pick up your own copy of More Butch Heroes from All She Wrote Books or your local bookstore. And, make sure to check out our first conversation about Butch Heroes with Ria for Episode 63: Reclaiming our right to exist! We'd like to extend a special thanks to All She Wrote Books in Somerville, MA for hosting us. Please consider picking up a book or two from an inclusive bookstore! Please consider contributing to In Our Own Voice: National Black Women's Reproductive Justice Agenda, “a national-state partnership that amplifies and lifts the voices of Black women leaders to secure sexual and reproductive justice for Black women, girls, and gender-expansive people.” We support and appreciate their imperative work and hope you will join us. Show us some love by giving us a 5-star Review on Apple Podcasts, Spotify, PodChaser, or wherever you get your podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

On a new episode of the Trust the Plan Podcast, Nick Hopwood, CFP® and Jim Pilat, CFP® of Peak Wealth share insights on the RIA business model and why it continues to attract both advisors and clients. They highlight how the number of RIA firms has doubled in the last 20 years, reflecting major shifts in how people want to work with financial professionals. With a focus on trust, transparency, and real relationships, they explore what makes the independent model so appealing today. — Peak Wealth Management is a financial planning and wealth management firm in Plymouth, MI. We believe by providing education and guidance, we inspire our clients to make great decisions so they can Retire With Peace of Mind. Stay Connected With Us: Podbean: findingtruewealth.podbean.com YouTube: / @peakwealthmgmt Apple: rb.gy/1jqp6 (Trust the Plan Podcast) Facebook: Facebook.com/PeakWealthManagement Twitter: Twitter.com/nhopwood1 www.peakwm.com  

On this TCAF Tuesday, Josh Brown is joined by Nick Colas and Jessica Rabe of DataTrek Research to discuss: the key to understanding Q3 reporting season, the seasonality of S&P highs, a financial analysis of Big Tech, and more! Then at 39:40, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠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

FALL TOUR TICKETS > www.barstoolsports.com/events/bestshowonearth. Noah is finally 30! (00:00-6:08). Fran went to a Royel Otis concert (6:09-12:50). Ria was attacked by a child (12:51-26:19). John Mayer & Kat Stickler are reportedly dating (27:28-37:29). Charli XCX talks working with Jack Antonoff on music (38:21-50:09). ‘Bachelor Mansion Takeover' show coming to HGTV (50:10-54:40). Joe Gorga is willing to forgive Teresa Giudice (54:41-59:02). PopCorner voicemails: Robert Irwin for Bachelor?, 'Love Island' fatigue, Popstars copying Britney Spears? + more! (59:51-1:14:28). Interview with Lukas Gage - talking his new memoir, owning his sexuality, Euphoria, The White Lotus + more! (1:15:20-2:01:26). 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

On episode 433 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss the melt-up phase of the AI boom, there is a bubble in bubble predictions, no one is going to call the top, hyperscalers vs. the labor market, international stocks are outperforming, Taylor Swift, junk stocks, the top 1% vs. the bottom 90% and more. This episode is sponsored by Betterment Advisor Solutions and Vanguard. Grow your RIA, your way by visiting: https://Betterment.com/advisors Learn more about Vanguard at: https://www.vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   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 Ben Carlson 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

FALL TOUR TICKETS > www.barstoolsports.com/events/bestshowonearth. Intro (00:00-7:01). Ria's review of reality competition show ‘Inside' (8:25-22:08). Nicole Kidman & Keith Urban divorce (23:06-32:56). AI actress Tilly Norwood sparks backlash (33:57-44:21). Inside details on Selena Gomez & Benny Blanco's wedding (44:22-50:04). PopCorner voicemails: ‘Bachelor' franchise double standard?, ‘TSITP' prequel?, Will Zac Efron be in the ‘DWTS' audience?, Should Charlie Sheen & Denise Richards give it one more shot?, + more! (50:43-1:10:35). CITO LINKS > barstool.link/chicks-in-the-office.