Podcasts about Ria

High-net-worth retirees are hungry for clear, actionable retirement education - but often don't know where to find it. This episode explores how hosting local educational seminars can create a consistent pipeline of engaged prospects and drive meaningful business growth for financial advisors. Ryan Morrissey is the founder of Morrissey Wealth Management, an RIA in North Haven, Connecticut, overseeing $140 million in AUM for 150 households. Listen in as Ryan shares how he organizes his retirement planning seminars through local adult education programs to attract his target audience, how he's found that charging a small nominal fee for the classes boosts participant engagement, and how offering a free consultation as a “bonus class” consistently converts attendees into new clients. We also discuss his transition from wirehouse to RIA ownership, how he navigates compliance as a growing firm, and why he's focused on keeping his service model simple and impactful as he continues to scale. For show notes and more visit: https://www.kitces.com/450

Title:  How Survive When Real Estate Deals Fail with Ruben Kanya Summary: In this conversation, Seth Bradley, a securities attorney and real estate investor, discusses the complexities of capital raising, the importance of experimentation in finding one's niche, and the critical role of networking and trust in the investment landscape. He shares insights from his journey in real estate and tech, emphasizing the need for grit and public speaking skills to succeed in capital raising. The discussion also highlights the challenges of the first capital raise and the lessons learned along the way. In this conversation, the speakers delve into the multifaceted benefits of hosting a podcast, emphasizing the importance of listening and connection. They explore the intricacies of capital raising in real estate, discussing the significance of grit, networking, and leveraging other people's money. The dialogue also covers compliance with securities laws, compensation structures in syndication, and the emerging trend of fund to fund structures. Tribevest is introduced as a solution for simplifying fund management and ensuring compliance in capital raising efforts. Links to listen and subscribe: https://podcasts.apple.com/ph/podcast/raising-capital-the-right-way-compliance-funds-and/id1341895972?i=1000688593916 Links to watch and subscribe: https://www.youtube.com/watch?v=UyF9Z72m2R0 Bullet Point Highlights: You need a license to raise capital legally. Experimenting with different models helps identify what works for you. Building authority and trust is essential in capital raising. Networking with high net worth individuals is crucial. The first capital raise is often the hardest. Grit and determination are key to success in entrepreneurship. Public speaking skills can enhance your ability to communicate effectively. Learning from clients can provide valuable insights for your own journey. You can leverage your existing skills to add value in capital raises. Building a strong network can facilitate easier capital raising. Having a podcast enhances listening skills and fosters connections. Capital raising requires grit, a strong network, and resources. Leveraging other people's money accelerates business growth. Compliance with securities laws is crucial in capital raising. Compensation structures in syndication vary based on deal size and type. Fund to fund structures are becoming more prevalent in real estate. Effective communication is key to successful networking. Tribevest simplifies the process of raising capital compliantly. Understanding the legalities of capital raising is essential for success. Building a community can expedite personal and professional growth. Transcript: Ruben Kanya (00:00.142) whole idea here is you're actually not allowed to raise capital without a license. So just like being a doctor or a dentist or an attorney, you have to have a license to be able to raise capital and it's called a broker dealer or potentially an RIA, registered investment advisor. So if you're not one of those people, if you don't have a license, you need to have an exemption from having that license. if it's your, this is speaking in generalities, but if it's your own deal, if it's your own fund,   If it's your own syndication, if you're the one buying the property, that's an exemption. You're exempted. You can raise capital for your own deal and that's okay. And that's kind of the co-GP concept that we talk about sometimes. I actually don't like to say co-GP because to me it's a fallacy. There's no such thing as a co-GP. You're either a GP and an active partner.   Who's this? you're an entrepreneur? you're a real estate investor? you're trying to learn from those who did it? Well, come into the lab then. Put your white coat on, gloves on, notepad, and let's go, Joe.   Experiment nation this episode was a really fun one with Seth Bradley who is a fun manager Invest in entrepreneurs. He's an attorney he as a startup founders of software as a service and Really what I loved about What he's built is   Everything that he's built, it's vertically integrated, which I love, but he really embodies the principles of experimenting. Right. And what I mean by that is he has tried multiple models in real estate, which allowed him to get exposure, which I think is really important when I talk about having a well-rounded experiment in your lab, LabAK being your life, so that you can at least identify   (Seth Bradley) (02:10.529) what you like, what you don't like, what gives you return on energy, what drains you. I think those are all important things for us to then be able to niche down. A lot of times we talk about niching down, but we haven't even gotten a taste of what's on the menu to even understand what it is that we want to niche down in. And so part of what I created here at Experimentation in the lab is to bring you   folks who can present the menu of the different options that there is in not only real estate, but in business and even career to then give you that exposure so that you can then get a taste even from this show and then implement it yourself and maybe try one or two or three experiments or four or five. How many it takes for you to feel like this is the thing. This is the thing that I'm going to hold on to and grasp to and go all in on. Right. And that's what we did.   And keep in mind that life has seasons. A lot of us can do something and it could be four seasons. Your season could be five years, 10 years, 15, but I do believe in the compound effect. his journey, Seth's journey, he was able to get his first duplex, then quads, then small multifamilies and big multifamily units. And the next thing you know, he's doing $120 million a deal just in 2022 alone, right? In one year.   But with that, one thing I wanted to highlight, so one thing is the experiment, different exposures, AKA building blocks towards the very thing that he's doing now. But the other thing is being able to get a free, or I should say, get a paid internship. And that's through servicing your clients, learning from them, and then taking a page from their book. He was an attorney that was putting down together his SEC deals of syndications,   capital raising, and then he learned from his clients because he had full transparency. Sometimes, often we're in a position where the proof of concept is right in front of us, but we don't grab it by the horns. We just see it for what it is, just clocking and clocking out. No matter what job you have, there's an opportunity for you to actually take lessons, systems, SOPs, structure, any skillset to take it to the next level for your own endeavors.   (Seth Bradley) (04:38.252) And what I mean by that is I was a realtor and I was a realtor for the investor. understood how investors, underwrote their deals. And that was my win for me to hone my craft in real estate, underwriting deals, pulling comps, walking properties, understanding value at all. That was when I was the realtor for the investor. You can still look it up on bigger pockets. You can still see my page. That's what I was doing. I was helping investors invest until I then became an investor myself.   And in this case, he was an ICC attorney providing these, you know, going through the process of doing syndications, fund to fund, et cetera. And then he learned and he said, not only do I have a practice that does it, but I can also be on the other side of that transaction. So don't you ever forget the importance of being on the other side of the transaction in whatever service that you offer, even if it's just call it.   You work in hospitality at a restaurant to make ends meet. There's a system, there's a SOP, there's a checklist. There's something in there that is a proof of concept that you can then take and implement somewhere in your business. And the universe will tell you its secrets if you listen. The clues are all around us. Last but not least, I love our conversation around being an authority, building a brand.   Essentially, that's what capital raising is and he talked about three pillars. I don't want to talk about he said money Right is one heart of the center trust in your network, right? Your network is you gotta have a big network He talks about having a platform like this where I think everybody should have a podcast because you get the interview you get to learn the skills of communication listening, etc but most importantly you foster relationship while on the air and then   It builds trust to whoever's listening. I'm sure that if you're listening right now and you and I wanted to go into a deal together, there's some form of trust. If this is not your, your first episode. So there's that, right? We talked about having a meetup, restarting our meetups. That's key. Connecting people, they trust in you. Being an authoritative figure, trust. They can't flow you if they don't know you. So stop being cute and stop hiding and put yourself out there. Right? Money. Money follows all of the above network and trust.   (Seth Bradley) (07:00.408) people who have money in your network will make it easier than those who are in your network who are broke. So surround yourself with people who have money, not just because they have money, but of course it can help you tremendously if you're trying to raise capital. And there's something that goes about saying with people who have money, it's not that they're better or anything, but there is a level of opulence and abundance.   And I think there should be a good balance. But certainly if you're trying to raise money with people who don't have money and you're in a circle, people don't know how many doesn't mean to say that you can't uplift them when you have an opportunity, but it's going to be hard to raise capital from people who don't have capital. Right. So that's one thing to keep in mind. Money trust network and being an authority. You can build an authority from home in the lab, in a studio, in person.   And you don't always have to be an expert in something else. Sometimes you can actually have authority within your own circle. If you're a dentist and you're trying to raise capital with other dentists, they trust you. You have authority maybe in your current marketplace, you're a manager of some kind or you're a lead or you're just someone that people really trust. You have that authority. You have trust already with like-minded people in your circle. So this was a great one. He brought a lot of core values home. And that's what I love about   the show. It's every time you listen or anytime you interview someone who's had done some amazing leaps and experiments in their own lab, there's always some consistent clues that kind of bring to the surface and maybe it just, I'm aware of them, but if not, my goal is to extract that and make them aware for you. So I trust that you're going to get a lot from this episode without further ado, Seth Bradley in the lab, y'all.   Experimentation, what's going on? Your host Ruben here. Today I have the pleasure of connecting with a gentleman that we connected with, had some mutual connections. And I was like, I didn't want to let the serendipity go to waste because I saw there was a mutual beneficial component to the lab, as I always say. And I always think you're as good as your tools, you're as good as your resources. And so I'm really happy to have the gentleman here step into the lab with us to give us insight. And I also love the   (Seth Bradley) (09:21.39) I'll call it a vertical integration I think and maybe Seth will keep me honest here, but without further ado I want to welcome Seth Bradley. How's it my man? Welcome to the lab brother   Going great, man. Ruben, really appreciate you having me on. Thanks for having me in the lab.   Absolutely, man. I should so listen if I'm curious so Seth because you know, we we start to talk a little bit and I was a car We're getting to the weeds of things. I want to make sure I hit this record button, but I'm just a curious guy and I'm so curious that if I'm at a real estate conference and you and I sit next to each other and I say hey I'm Ruben Seth. Nice to meet you. You know, what do you do for a living? What do you lead with because you have a very interesting background? So I want to we're gonna reverse engineer, but I'm so curious as to   at the time that we're recording this, what do you lead with if you don't know what my interests are, you don't know where I'm coming from, I could be an investor, I could be interested in putting my money to work, what do you lead with? I'm just so curious.   I love that question, man, because sometimes I have a hard time answering it. It's an easy question to answer for most people, but for me, I have to think about it for a second. But typically I'll lead with I'm a securities attorney, specifically a real estate securities attorney. So if you're raising capital for real estate from passive investors, I'm your guy. can help you put together your fund or your syndication compliantly and secondarily, or, you know, one B I'll call it a tech founder. So involved in a few tech startups as well.   (Seth Bradley) (10:48.238) That's awesome. Then that opens up the window because I see her tech founder and then I securities attorney. Is that that accurate?   Yep, nailed it.   securities attorney. would you do you happen to do you still do I mean, of course, you've been involved in raising capital yourself, which is what I want to lead with next. But are you actively investing? And if you are, what is the model? Is it more investing in the startup? Or is it more investing in actual capitals? I should say social capital relationships, or even you know what, maybe it's some form of real estate, what is your current I guess, investing   season for lack of better words.   Yeah, it's all across the board, man. mean, everything that you mentioned, I mean, just quickly, I started in real estate in 2013. House hacked into a duplex did kind of the bigger pockets podcast. Listen to that. Red Rich Dad, Poor Dad, you know, the typical journey you take and house hacked into a duplex and started buying bigger and bigger properties got to the point where, you know, I wanted to get into syndications and funds and start raising capital. So I started actually investing passively into real estate first and I got my feet wet.   Ruben Kanya (12:01.55) figured out what that investor journey looked like. And then I started raising capital myself from my own syndications where potentially I could be just a capital partner or also an operator. So I raised a good amount of capital from 2019 to 2023, I would say, before the interest rates started to spike. And then we slowed down a bit, but we still own a good amount of that real estate and just put it in perspective. We bought about $120 million with the real estate in 2022 alone. And now I'm kind of   involved with a handful of tech startups where I'm also in that same capacity where I'm raising capital or helping the CEO raise capital for seed rounds for these startups.   Okay, very interesting. So I'm glad let's go to the very beginning because you talked about bigger pockets with shout out to bigger pockets, right? Because that's or did you say bigger pockets? I did hear you say that. Okay, cool. had a mutual kind of, know, I was planning my seeds. I think that they did an amazing job, of course, like minded investors together. 2013 get a duplex. I'm sure one thing I'm curious about and you know, someone else might be listening is, you know, what   point now every everyone's situation is different with that said, but at what point did you start to think, okay, it's time to bring in some outside capital and, I'm going to lead with you. It seems that you strike me as a guy who does things strategically. enlighten me a little bit as to get the duplex. Was there another lever that was pulled to get the next property before you start to raise capital? Or is that right away, right into, okay, now it's time to raise capital. Cause   duplex going to take me so far. Tell me about that journey.   Ruben Kanya (13:43.732) No, I mean, that journey was, you know, a lot of different types of things. mean, I've wholesaled, I've fixed and flipped single family properties. We were doing that in Cleveland for a while. Then we kind of moved on to multifamily, you know, smaller multifamilies up to four units, which is still residential, but then up to, you know, like 16 units, those sorts of things. Then we started getting to where, you know, capital starts getting constrained, your own capital, or if you're doing like a JV, starts getting constrained. But I was fortunate enough that my legal practice, which also started in 2013,   was highly related to what I was doing. So as a real estate attorney, my real estate clients were raising capital for their real estate deals. So then I got into securities law. So I saw how they were raising capital. Then I started helping them raise capital from the legal side. And then I started raising, and then I realized that, hey, if we want to go bigger, I've got to be more like my clients who are buying, you know, 50, $100 million properties. How do we do that? Well, like they do it. They need to raise capital from either   passive investors or from, larger investors like family offices and places like that. So I knew that that was the pathway. So I was fortunate enough to kind of have that perspective shown to me by my clients and they kind of showed me the blueprint. Hey, this is how you need to do it. Now, a lot of other attorneys see that same blueprint and they don't really have that entrepreneurial mindset. So they're kind of just like that service oriented, Hey, let's do what I'm doing. And I'm just going to help. But I have an entrepreneurial mindset. I I'm like,   I want to do that. I want to buy that property. I want to run that business. I want to scale it. like anything else, though, I still had a little bit of reservation, I would say. So I decided to invest passively first just to get my feet wet, just to see what that investor experience was like. And then once I did that a few times, I really got into the active side and dove right in.   Oh man, I love so many elements of that. Let's unpack the experiment phase, right? Because that's what I truly believe in. I'm curious to what your thoughts are on this, right? Before I even preface by saying this, I think, and this is just a thought, could be wrong. I'm experimenting life as it is. But when you ask someone, hey, what do you want to do for a living? Right? It's like, well, I don't know. I haven't been exposed to enough.   (Seth Bradley) (16:03.116) Right. But then when you start experimenting with a lot of different things, then you can niche down because you've been exposed to like this that I don't like, et cetera. And there's a second leg to that, but I want to touch on that for a second because you said you did wholesale fixing flips, then you need small multifamily. What do you think you were able to gain from that? My personally, when I see that, I see, well, you were able you were able to get insight, but   Again, maybe you see things differently. Maybe it's like you needed to do those things and you thought it was true. And then you were led down one path and led to another. What do you take from that? Were you experimenting or was it more or less of the natural progression of events and what you thought was going to be your end all be all ended up progressing into a new ideal. Tell me about that experience.   Yeah, I mean, I think it was an experiment. It was me trying. I knew I wanted to be in real estate. I love real estate. I've always been drawn to it. It's just been an interesting thing for me and interesting subject. I remember when I was in undergrad and I couldn't afford to buy any kind of real estate or didn't have a job at all. And I was trying to figure out, well, man, how can I buy like these townhouses that I'm living in and rent those out? Like, I remember just being interested from the get go. So I knew I wanted to be in it, but it was certainly an experiment to see.   how to break into the market, how to scale a business. Because once you got into a duplex and your house hacked and bought a few other single family properties, it was like, okay, well, we can continue to do this, but I'm always looking again to scale. And to do that, a lot of times you do need to bring in other people's money to be able to fund that scale. But not always. mean, I think it would be a better pathway, honestly, if you can scale without other people's money, because then you can own 100 % of it. But a lot more difficult to do. So if you want to...   you want to grow with scale fast, typically it's with other people's money. And again, luckily I was already in a profession that gave me that experience to be able to see that pathway and be able to execute on   (Seth Bradley) (18:02.35) Now tell me that's a great insight or at least a transition point there, Seth, because we, know, in our professions, we spend a lot of time, but not a lot of folks spend the time to have the lens of an entrepreneur to say, hey, maybe I can actually take a page from their book. Right. Because I think it's interesting that it's we all are entrepreneurs. Right. So we go into business ourselves to run away from maybe possibly corporate. Some people.   And then we build our own companies. We install systems, we invest in resources. And then it's like, we turn into the thing that we were maybe running away from, but there's a lesson that we get to build it our way and have maybe learned lessons from these big corporations. In your end, it reminds me a little bit of me because I again, certainly not an attorney by any means. And I won't compare being a realtor to an attorney, but you are servicing clients and you get to at least,   at least get nuggets from their journey and then say, Hey, why don't, why don't I take a page from their book? Can you talk to us about that? Because I think honestly, it's an unkept almost secret and not even talked about enough where it's like, Hey, you're taking this opportunity right now to get to understand the playbook, see how they've done it, learn from their mistakes, right? Right. Through service and while getting paid. And then you're like, okay, now I'm going to do it for me. So   Do you see it that way as well? was it kind of, know, or did you strategically go into it thinking that you do that? Or it was kind of like, you know what? This is kind of cool. Let me try it myself.   Yeah, I mean, and Ruben, hats off to you, man, because a lot of realtors and brokers, they're around real estate every single day. That is literally their business. They have access to deals before other people. They get to see things that other people don't get to see. They get to see the transactions. They get to see how they change hands. And as you know, most of them don't invest in real estate. like, you even own your own house? Do you own any investment properties in...   Ruben Kanya (20:11.918) 90 % of them don't, right? Unless it's, well, maybe their own house, but that's probably it. They don't invest. And it's crazy to think about that when they're around that all the time. And it's the same thing with attorneys, right? Like, know, they're, whether there's somebody like me, there's real estate or securities, and they have clients that are, that are buying large properties and raising capital, or it's, you know, some other practice like and A where they're combining companies and building companies and things like that.   I think that there's a certain entrepreneurial DNA that's in some of us and it's not in others. And that's okay. Like some people thrive in an office atmosphere or thrive in a W-2 type of atmosphere. And a lot of times I don't even like to disrupt that. Like people, you know, are comfortable there. They like the steady paycheck and that's okay. And I think the vast majority of people do want that and they do like that. They like the predictability of it. But some of us out there, like me and you, I believe are, you know, we just,   We're not a fit for that. Like we need to build. I think that's the key is, is the build, right? Cause you were talking about, you know, we start putting all the systems and the processes and the things into place to ultimately end up in the, the same machine that we didn't want to work for. But I don't think that's the piece that's important. The piece is important is that that climb the build, we want to build like we were builders. love to build.   Yeah. Have you ever had a conversation, with maybe your associates on? I don't know if this is a hypocritical question, because I don't know if I could answer this. But I'm curious, have you had a conversation with another attorney? Like, hey, you see this all the time. Have ever thought of doing it yourself? What's the mindset behind? Have you had that conversation? And have you had around those? Yeah, just curious.   Yeah, I definitely, I definitely have. think, you know, at least specifically with the attorney industry or with that profession, we are, we're trained to look at risk. We're trained to evaluate liability. We are trained to be conservative in nature. and that is totally different than when you're an entrepreneur and you're out there building a business and you're, don't know what tomorrow is going to bring. And there's going to be a problem that pops up today that you didn't expect.   Ruben Kanya (22:30.01) And you don't know if you're going to be able to pay payroll and all these different things that come up as an entrepreneur, as a business builder, that's totally a different mindset than it is that attorneys are trained for. So I think that's definitely a separation. like, you know, I have a lot of investors that are attorneys. That was, that's who my investor base is. Typically it's other attorneys. A lot of other capital raisers don't go after attorneys because they are paying the ass. We ask a lot of questions. Like I said, we are risk averse. Like, you know, we're not the ideal.   person or people to raise from.   I'm gonna predict my money isn't really the case.   with a cold on the page. 137 second paragraph line four. What does that mean? Why is that? And, know, that's the kind of stuff you have to deal with. But, you know, they do make a good amount of money. So there's a, you know, there's a push, there's a give take there. But, you know, I think that that's, I have identified that with conversations with my investors and obviously my prior colleagues. I mean, that in itself is, is a big difference.   It's a big difference. We're just as attorneys, we're just trained to find and look at risk and think about all the bad things that can happen. And man, when you're building a business, when you're growing out on your own and you say, I'm done with my W-2, I don't want that paycheck anymore. That's a lot of risk, right? Or at least it's a lot of risk to a person that thinks that way. I actually don't think that way. I think it's more risky to be have one income stream and be a W-2, but that's certainly not the way that they typically look at it.   (Seth Bradley) (24:02.306) Yeah, no, it's interesting what you're saying. But I'm also curious though, that if they are also investing, because it sounds like you've also worked with some associates, or at least your investors have come from the same cloth, it sounds like they might be, instead of again, raising the capital like you are, high risk, high leverage, they're willing to put their money to work. Do you find that   And I guess maybe that's it. Do you find that that kind of archetype is finding that to be of a less riskier approach versus flipping versus doing it themselves? Or do you find that it's more of time constraint thing? it's like, listen, I got the money. You mentioned it. I have a high net worth. I'm an accredited investor. Let me just do it with someone who's an expert. What have you seen since you've been on both sides, and especially as a fundraiser?   Yeah, I think it's that investor profile. You know, these are folks that make a lot of money from their W-2. They have no time on their hands because their W-2 is so demanding. then any time they have outside of that, it's got to be spent with family. So they really just don't have any time, but they do have capital. So it's just that investor profile that you're dealing with with attorneys and some of the similar, you know, with doctors and dentists and engineers and people like that. Same thing. You know, they're highly paid professionals.   You know, they went to school for a long time. They make a lot of money, but they don't have any time. And unless they really want to venture out and say, okay, I want to raise capital or, or, I don't know, you have to figure out a way to carve out more time because they certainly don't have it. I know when I worked in big law firms and I'm trying to bill 2000 hours a year, I don't have time to, you know, invest actively. In fact, I actually got fired from my big law job, my last one, because of that, because I'm raising capital and doing real estate deals.   and starting businesses and guess what? You don't have time to do that if you're working at a demanding job, whether that's as an attorney or Dr. Dennis, whoever that might be. So I think it just comes down to that profile and do you have time? Do you have capital? And then whatever one you have a surplus of, that's probably where you're going to fit into the asset. So you can invest if you have capital and no time.   Ruben Kanya (26:26.126) You need to find something a little bit more passive and that comes through like funds and syndications and things like that.   All right. So that's very helpful and I think very interesting because you've seen both sides. You not only were on the other side, but you've also been the capital raiser and then you've also yourself invested passively. Tell me about the first deal that if you recall, at least the like kind deal when you raised capital, who did you go to?   Did you start with your client base? Did you start with friends and family? And then maybe we can even get into the granularity. I know there's different non-accredited, accredited 506V versus 506C. There's a lot of different kind of foundational pillars. But talk to us about what your first deal was like, if you recall some of the numbers and what kind of asset type and then who you actually pulled in. So people can start thinking of actually what's possible when we talk about capital.   you know, in fundraising, we think of it as this big thing, but people like you and me can actually start initiating these kinds of transactions. Talk to us about your first one.   Yeah, man, I mean, don't remember the actual specifics, but it was like 100 because there's around 150 unit multifamily something like that was your first That was the first raise it was the first raise but I was brought I I wasn't the primary operating partner I brought in as a capital raiser that sort of thing and also providing some legal services as well. Um, but I was   (Seth Bradley) (27:48.078) That was your first race.   (Seth Bradley) (28:01.422) Hold on. That's interesting. Now you kind of you're kind of double. Is that is that how you got your general partner essentially? Were you a general partner on that? Or were you tell us about that? Because from what I understand, you can correct me if I'm wrong here. You're the expert. You can bring in different subject matter expertise to the table to value your I guess your position and a capital raise. Maybe one is investor relations, one, et cetera. Did you from what I understand, bacon?   some of your services and as a GP or is that, what did you?   Yeah, for sure. Yeah. I was a general partner on that deal, baking in some of my legal services as well. Started leveraging my skillset that's super valuable. Obviously, it's applicable to these capital raises. I can help you raise capital and also be the securities attorney and also potentially the real estate attorney as well on the deal. So lots of different ways that I can get in there and provide value to the active partnership.   But yeah, I I was tasked with raising, you know, half a million dollars. I didn't hit it. I hit way under. I think I might've raised like a couple hundred thousand dollars. And I was pretty happy that I even hit that because it's the first time. I'm, and I'll tell you what, man, like capital raising is hard. Like I think that, you know, you see all these masterminds out there and these coaching programs and things and they're teaching how to raise capital and some are great. And I'm actually in a couple of them. but they are, you know, they, have to sell you on that. easy, right? They have to sell you on, Hey,   I'll give you the systems, the processes and boom, you're going to be able to raise a million dollars easily. It's not that easy. unless you already have a built in network of high net worth individuals, that's where you'll find success. Or maybe you have a platform like yours where you can access a lot of people that you already have a relationship with and you'll like, and trust you that love what you're doing. And they're like, man, if he's investing in this, it must be good. So that those people, like you, and then also people that are.   Ruben Kanya (29:59.426) we tend to see a lot of doctors and dentists that are very successful right out of the gate. Cause guess what? They work with other doctors and dentists who already trust them, who have money, who already trust them. So they do great. and then others, like me are probably somewhere in the middle, right? We we've got a base of investors that are like attorneys, which seem like they'd be great because they have money, but guess what? They're a pain in the ass. So there's, there's a little bit of give take there. and then you have other folks who,   you know, maybe they're a school teacher or something like that where their colleagues maybe don't have a ton of money to invest and they have to follow just like, you know, follow the processes, the systems and the marketing funnels and those things and rely really heavily on that. And typically it doesn't go that well. It doesn't on the first one. You've really got to be scrappy. Like you've got to get in there. You've got to literally make a list of a hundred people that you know, that might want to invest right.   type it up, go systematically through that list, and you've gotta break out of your shell and not be afraid to just reach out to these people, no shame, get your pitch together and just do it. And it feels awkward and you don't wanna do it and you feel like a salesperson, but you've gotta do it. You've gotta break through those reservations and make it happen because that first raise is a bear. You've gotta just be.   You've got to be scrappy and you've got to do whatever it takes and 10x whatever you think is going to take.   Experiment nation, you've heard me talk about how multiple investors across the nation are landing these lucrative midterm rental insurance contracts by making these small tweaks on the branding and marketing side, especially if you're an existing short-term rental operator, there is a quick and easy shift that you can make with the ride guide in place. And because we've launched a two-day bootcamp,   (Seth Bradley) (31:59.278) that not everyone could attend in real time, I've put together a recording where you can get all the materials and all the guides to focus on rebranding either your short term rental business or your current midterm rental business so that you can actually have the insurance companies reach out to you. And then day two is if you want to actually play offense, how you can reach out to them by listing on the right platforms, et cetera.   If you're looking to get this MTR bootcamp so that you can start optimizing and you can start receiving these lucrative contracts that again, provide less headaches, less turnovers, unlike the Airbnb space, you can start receiving inquiries today by having the right guide in place. So please go to experimentrealestate.com for slash MTR bootcamp or click the link in the bio to make sure you get your hands on the   and midterm rental insurance bootcamp to fast track your way into landing these lucrative insurance contracts the exact same ways multiple investors have taken advantage of this unknown and untapped niche within the midterm rental umbrella. Wow, so I'm a systems guy and as you're speaking, I'm taking notes here guys. I heard three key pillars and feel free to add to them because I wanna hear.   kind of the downfall of some of what folks are coaching. I heard one is money, number two is trust, and number three is network. And I like how you highlighted those because I hear, well, if you have a network and you can get access and you have a large pool, then there's probably people who are gonna have money in there. Then if you have what I'm hearing is authority, trust, AKA I'm a doctor, you're a doctor, we speak the same language. And by the way, guess what? Third pillar, we all have money.   So that's kind of like the sweet, sounds like that's the sweet spot. MTN money trust and network. What did I miss?   Ruben Kanya (34:03.89) You nailed it, man. That's it. That's kind of the big level, the high level things that you need. I mean, you need that authority or you need to be able to show that you know what you're doing, that you know what you talk about and what you're talking about, that sort of thing. And then obviously that network, you either have to develop that through your W-2 that you already have or however it might be, or maybe you have a platform, right? Like maybe you have a platform like a podcast or an investor group.   or an in-person meetup. We don't do those as much as we used to before COVID, but that used to be a huge thing. Like I were on a real estate meetup in San Diego County or something like that. And it goes, that used to go really, really well for people to be able to raise capital. So yeah, you gotta have that platform. Network. I know, right, Networking lunch.   You should bring that back. There's something about because there's something about this, right? This is cool. Like, what a time to be alive where you and I can connect in the flesh. But I want to echo what you just said. Because I'm kind of speaking to myself as a reminder, Ruben, you got to get these meetups going again. We used to do a meetup in New York and Atlanta.   And just the relationships that happen in the room and you're being the super connector is so powerful. I wouldn't get cute and just, you know, this is great that you and I can connect while you're in San Diego and I'm here in Boston, but it's not, or it's and, I think we should, I think we should bring it back. Cause I could tell it may a super charismatic dude, great energy. you know, obviously you're authoritative figure and I feel like, I think, it will only service more.   never seen.   (Seth Bradley) (35:41.87) to have these in there's something about in person. So yeah, I'm just I'm preaching to the choir, but I'm also like, hey, accountability, I'm gonna check up on you. gotta do the same.   You gotta appreciate it. Tell me sure man. And it's great. Like when we meet on something like this and we have some interactions on social media and then we get on each other's podcast, you know, get to know each other. And then when you meet in person, you're like, this is awesome. You already feel like you know the person. So technology is a great and right. Another and yeah.   Yeah, don't sleep on that fit that in person. We need more of that if anything. And people are, you know what, people I think are actually searching for it with all this technology. So good reminder for the both of us and whoever who's listening. I want to touch on something that you said, Seth. You mentioned, because I like learning from those who either have failed or made mistakes because can expedite our learning process. So you said,   First deal typically, uh first one doesn't go well, uh, it's a bear but then you also mentioned that uh, you know Some some mastermind programs, right and there's a lot out there good and bad and some are better than others. Uh, some of them, you know I see I guess uh, maybe Don't um, I should say, um, maybe they fall a little short   of helping you get to your first link. What's missing? What's the missing link? We talk about money, trust and network, but like if I wanted to nail it the first time the right way without, and I wanted to learn from someone like you from, your mistakes or from someone else's mistakes or from, know, those masterminds that are just falling short, what is a, is, is it a foundational or at least insight or lesson learn or thing I should keep top of mind in addition to the money, trust and network that would maybe put me in a   (Seth Bradley) (37:40.024) position not to have the first one be so challenging.   Yeah, I mean, to be honest with you, I think it's going to be challenging no matter what. I mean, I think what I was going to say is actually grit, right? You have to have grit. So I think it kind of it's a counterbalance here where you have a mastermind or coaching program or a class or something like that that you're selling to somebody. And the only way somebody is going to buy it is if you say, hey, buy this or come join me in this group and   I'll make it easy for you to do what you want to do. Like that's the selling point. You have to say that it's going to be easy to get them to pay you to do it. But the problem is once they're in, you realize it's not easy. So, you know,   People sell the promise, not the process.   That's right. That's right. So, you know, I think maybe I don't know if there's any way around that. Like you certainly can't sell it is going to be hard and be like, Hey, well, if you buy my $20,000 program, you're probably not going to make it. So you can, if you want, you know, it's just not, it's not going to work. So I don't know if that's going to change, but I would say maybe once you get into that program, then you preach that, look, I can give you the systems, I can give you the processes. I can even teach you the compliance and I can hook you up with all my different, you know, my network and   Ruben Kanya (38:59.21) hook you up with my securities attorney and my CPA and my funnel builder and those sorts of things. But at the end of the day, really emphasize that it's going to be work. You have to not only implement the systems, but you're going to have to scrap. Just like building any business, capital raising is a hard business and you're going to have to do things that are going to make you uncomfortable. And if you don't go all in, you're not going to make it. That's all there is. It's just like any business.   or even a piece of a business. So me and my wife own a few gyms together and like sometimes we'll implement like you know, a promotion or something. Right. And if we half asset, it doesn't work. It just doesn't. It simply does not work. You have to have full buy-in. You have to believe in it yourself and you have to get your teammates and your employees to believe in it or they won't or they won't grow in the same direction as you. You've got to be all in just like with any business or it's not going to work.   love that. That's a good one. The belief system is certainly a big one. And I'm sure it comes off across, especially in this space of capital raising, you people want to know that, do you believe in what you're saying, right? Just as much as you believe in yourself. That's interesting. So   Tactically, was talking to this gentleman yesterday at the gym, speaking of the gym, a young guy, a hustler, you know, making some good money. And we were kind of talking about, you know, journey, you know, part of the journey is, you know, acquiring skill sets and honing your and sharpening the axe, for lack of a better word. And so I'm curious, you know,   And I'm going to stick to my pillager because that's a reference point for me. But if I'm thinking of, what is one skill? Not saying for this is the end all be all by any means, just curses. If I was to focus and truly get really, really good at one skill and, can she not just achieve mastery in it? Is it fostering relationships, remembering Seth's birthday, what he does? Is it being able to really get   (Seth Bradley) (41:17.998) great at communication and putting together a pitch deck, just to get a little bit more granular of like, what skillsets should I be thinking of, of honing, flexing that muscle and or which skill sets would actually give me an advantage in this space to really double down on? What would you say to that?   I'll just lean on what I personally did. And I think that that's public speaking. So it's a lot, it's something that people hate, right? Like most people hate it. There's a small percentage of people that love it. Not very many. Most people say it's their biggest fear. Certainly my biggest fear was public speaking. so I had to overcome that. I realized that in order to be the person that I wanted to be, I needed to overcome that fear. I needed to get good at what I was not good at. And that was certainly it. And I'll tell you what.   doing what we're doing now helped me. So I launched a podcast. It helps a lot. You get used to talking, you get used to conversating with people and you being the center of attention and focusing your thoughts and putting them into the words that you want to say. And it, it really helped. And I think that that goes from the top down. So even if you, you know, public speaking, you're thinking about, you know, being on stage and giving a presentation, that sort of thing.   Just gonna say.   Ruben Kanya (42:34.914) but it trickles down all the way to networking conversations, to having a phone call with an investor. Like it just improves your conversation skills and your communication skills that you have, whether you're on stage, whether you're on a podcast or whether you're on a phone call or a face-to-face meeting with an investor, it trickles all the way down.   I love this conversation so much and Seth, you have your own podcast as well. Why don't you plug it in for a second.   Sure, it's called the Passive Income Attorney podcast, but I will say that I'm rebranding to Raise the Bar Radio. Obviously a homage to raising capital and being an attorney.   Right. No, the reason I bring that is I couldn't, I just want to echo that, that, everything is, is, is a, is a building block, right? I think what's fascinating about having your own show, right? Seth is, you know, that when someone is talking, traditionally, or if you're not well trained, you're already thinking the next thing to say, not really hearing the person. This skillset right here, but we're doing, which I love so much, you know, forces you to be a better listener.   You know be able to collect information Digest it analyze it and then respond to it. I've always said I think having a show a podcast is one of the ultimate hacks because of the the the There's just so many multiple benefits associated with it. I'm curious. Do you see it that way too? Or is it just me?   Ruben Kanya (44:06.798) just 100 % man 100 % you heard me man like that it's a game changer I mean there's that's to me the number one thing but also you you just get to make connections too right like you get to have guests that you have to have a reason to have somebody on your show that maybe you wouldn't get to talk to for whatever reason or and you get to cross paths with people and you get to say you get to share this experience like we're always gonna have this experience I know when I meet up with people in real life   maybe five years later, like at a networking event, I'm like, my gosh, you remember we were I was on your podcast four years ago or whatever. And it's just like, you know, it's like we're high school buddies or something. you know,   You know, that's so funny you say that Seth, because I was at a conference and I've seen this dude and it had been so long. He's awesome. And I blanked on his name and I was like, but I like, hadn't seen me yet. So I just went to my episode, scrolled them like that's right. Cause I couldn't put it together. I'm like, why am I playing on it? And we hit it off. went to lunch together. Like it was just awesome. But it's to your point, it's, it's sharing an experience one.   It's learning how to communicate, learning how to listen, and then being able to... That's why I actually like being on this side more, because I get to ask you questions. It's having a master class. I'm learning so much right now, and then I get to share with my audience. It's like, Roman, that was just a great interview. like, dude, I self-interest. I selfishly was just as hyped. I'm so glad you got value out of it. So that's awesome, Seth. Let me ask you. So, know, biggest...   You talked about the capital raising, challenging, having grit, needing grit, having a network, having money, having relationships. On the other side of this is, ah, this isn't for me. Do you have a message for those folks who are saying, you know, if you're an advocating for it and obviously you have a service around it, you've done it yourself. Sure. It's not for everybody.   (Seth Bradley) (46:14.178) Right, but for someone out there who's not thinking this right like I think I was in a meetup There was a gentleman out like 300 something units like single-family homes. I think I think you did it the old-fashioned way old gentleman I'm like, yeah, I'm like damn. what is it? What message you have to like share as far as I? Like pulling on levers, right? That's why a lot of us get into real estate levers being anyone resources capital social capital, etc Can you?   Just give us your take on this lever and the power it has. And if someone's not thinking of this, the power it can have. I you mentioned 120 million in 2022. Like help us understand and grasp that for someone who's thinking still like, oh, I'm going to just refinance. I'm going to flip this home and I'm going to OPM. How important is that?   It's so important. Like I said, it's scale, right? It's scale and speed. And that applies to any business that you're trying to scale. It's speed. Like, can you get there on your own or maybe finding one partner at a time? A lot of times that's where you start. Like if you're fixing and flipping homes, you get to a max and you're like, I'm going to bring in, you know, Joe Shimo or my brother-in-law and they're going to fund this one deal. And you're doing one house at a time, or maybe you're doing two houses and you're doing three, but that takes time.   I mean, it just takes a lot of time to get there. So you're just going to be going like this. Maybe you're going to keep improving and then you're going to have one bad deal and it'll be chopped back down a little bit and they're to keep going. But with other people's money, you go like this, like that you get vertical and you can get, and you can just get economies of scale. can, again, just go with speed and that's what matters in business. Now, maybe that's not for everyone. I do get that. Like, I think if you would have asked me a few years ago, I would have said, this is the only way.   Like this is the only way you have to do it. I don't know if it's necessarily for everyone, but if you do want to get to that next level and you want to get there fast, like you want to achieve it soon, then other people's money is where it's at. Like you have to use it like gasoline on a fire.   (Seth Bradley) (48:21.678) Tell us about the, I recently heard Alex Formozzi say this, and I think he was talking about how people need to realize that a piece of a watermelon is always gonna be greater than a large grass, like grapes or something like that. I was like, oh, that's a very interesting analogy. Can you break down maybe just for us who are not familiar with the split?   when you're raising capital and you have other people's money in play and you know a lot of people talk about assets under management here and there millions here and there but help us understand like what's what's the what's the ratio you helped a lot of clients if someone's a GP on a hundred million dollar deal or a ten million dollar deal how much are they actually taking home right like how much do I make because you know you see a lot even on social like   I think that's very interesting for us because you know, we got into the space and we're super lean, but at the same time our margins are ridiculous and it's not about how many doors someone how much profit we make per each, you know, property with all these insurance companies who are paying us like five X what you would traditionally pay. So it's never been about a door contest for us, but that's very prevalent in the industry. Like, we got assets on a management, you know, 20 million here, 120 million. But how much would one.   for someone who's listening, or maybe you're not thinking, said pour gasoline on it, how much am I actually taking home, let's say on a $100 million raise, or on a 20 million, 10 million? What's the good ratio? Like what am I making? And then what's the upside of that? And why is it beneficial for me to really pay attention to this? Especially if I am for profit and money driven, and I understand the opportunity that might be at stake here.   For sure, man. And you're kind of opening up a can of worms, right? So we'll see where we take this. the general idea here is you're actually not allowed to raise capital without a license. So just like being a doctor or a dentist or an attorney, you have to have a license to be able to raise capital. And it's called a broker dealer or potentially an RIA, a registered investment advisor. So if you're not one of those people, if you don't have a license, you need to have an exemption from having   Ruben Kanya (50:41.814) that license. Now, if it's your, this is speaking in generalities, but if it's your own deal, if it's your own fund, if it's your own syndication, if you're the one buying the property, that's an exemption. You're exempted. You can raise capital for your own deal and that's okay. And that's kind of the co-GP concept that we talk about sometimes. I actually don't like to say co-GP because to me it's a fallacy. There's no such thing as a co-GP. You're either a GP and an active partner.   or you're not. And what's a co GP. So we call co GPS or the way that the industry tends to frame them as kind of these small capital raisers, right, these small capital raisers that come in and raise a little bit of capital, and they don't participate in the deal in any other way. So they don't provide any services, they don't do any of   I got got I got rich friends Right you call me you say Ruben. Can you code GP this? know you can probably bring us an extra 50 million to the table Co GP or you're saying is actually not kosher   It depends. So it all depends on how you structure that deal. So if you're bringing a large amount of capital and you're only bringing capital, what you're going to want to do is negotiate managerial or voting rights within that legal entity that you're partnering with. So maybe they're the operating partner and you're the capital partner. And that's okay. So long as you as the capital partner have some sort of like meaningful voting and managerial rights. So that's kind of what private equity does, right? They come in, they raise capital.   And that's all they do is provide capital. But guess what? In those legal documents, if something goes wrong, let's say with the property or whatever the asset is, they have takeover rights. They can come in and manage the property and take over the asset management if they want to. Those rights are baked into the legal documentation. And that's what makes it okay, because they are an active partner because they have those managerial and or voting rights. But when you come in as a, let's say a smaller partner, and all you're doing is bringing in capital,   Ruben Kanya (52:41.1) and you're not doing anything else. So you haven't negotiated any meaningful rights to make decisions or to manage. you don't actually manage the asset. You don't actually attend the meetings. You don't do anything except, here's my 500,000 bucks from my investors. And then you walk away. That's actually not legal. And a lot of people call that the Code GP model. But actually, you're either an active partner in the deal or you're not.   Would it change Seth if I, it sounds like what you're saying is I'm bringing 500K and then I'm just leaving. I'm just like, here you go. Here's, I'm just hooking you up. Would that change if I put my own money into the deal? Now I'm an LP or no, there's more complicated.   Now you're, yeah, now you're an LP because it's your money. So you're just an investor.   Right. you're saying I could, yeah. So you're saying the difference between the example you just gave is the fact that that person never had money in, they just brought money in. That's none of their own money. And then they didn't do anything. You're saying that's a red flag for lack of better words, if they don't have the proper, I guess, voting rights, manager rights, et cetera. Is that an accurate recap?   Yeah, I can use my own capital. I can put my own half a million dollars into somebody's deal and be a passive investor. And that's okay. I'm not raising capital. That's my capital. But if I said, okay, here's $250,000 from my mom and $50,000 from Rubin and another $100,000 from this person and that person. And I put it in a LLC or I just bring them into the deal. Then that is raising capital. You're raising capital from other people. And that's, that's the difference there.   (Seth Bradley) (54:14.254) Yeah, so it's almost like you could be stacking, you know, people are a bunch of people are recruiting for the fund, but those folks are not on there as investors. It's aggregated funds, essentially, which could create a problem, right? Is that what you're saying? Yeah. Okay. Yeah. Very interesting. I never even thought of that case study. Yeah.   Yeah, I didn't even ask your question though, which was how much money can you make? Right? So typically, typically, and again, we're putting securities laws aside here. We're just talking about kind of industry norms, we'll call it. Maybe 30 % or so is put aside for the capital raising. So 30 % of the GP. let's say there's a syndication where you do a 70 30 split, 70 % goes to the investors, 30 % goes to the general partners. Well,   If you bring in, let's say, 100 % of the equity, you bring in all of it, then you'll probably be allocated about 30 % of the general partnership. So 30 % of the 30 % in that example. So you get 9 % of the deal.   What did you mean by 100 % of the equity amount following?   So if you had to raise, let's say you're closing on a $10 million property and you need to raise $4 million to close it, or let's say the down payment plus capital improvements, something like that, and you bring in the full $4 million, you brought in 100 % of the equity needed to close the deal.   Ruben Kanya (55:38.574) Yep. And then overall, so and then what has happened now? So what's going on now or what's happened over the last couple of years is that there have been some very well-known syndicators in the space get investigated by the SEC and people have said, all right, well, now we need to figure out a different way to raise capital, compliantly. Right. And the answer is actually always been out there, but it's had some difficulties and that's a fund to fund. So   people out there, they've heard of a fund to fund. This is more a more prominent way, a more compliant way to raise capital nowadays. But I'll tell you what, comparing it to the CoGP model, it's more complicated. It costs more money and it's just a lot more work for you as the capital aggregator or the fundraiser. So people have avoided it because they've just done the CoGP model because it's easier. But now that the CoGP model isn't as available, people are still doing it, but people are kind of shying away from it because of the   the investigations that went on. Fund to Fund has become a lot more prominent and you have companies like Tribe Best who I'm chief legal officer for, full disclosure. We put together a Fund to Fund product where we make it cheaper, easier, more compliant, and you can just do it very easily and within five business days because we do everything for you. So instead of you having to find a securities attorney and a CPA, open a business banking account, file your LLC,   Walk your investors through the signing ceremony and get them to wire your funds. We call that herding the cats. Do all these things and put your cap table together, do your distributions, all those things that you'd normally have to do. Tribe Best does. And we do it for a very low price in comparison to what I would charge you if you came to me as a law client.   Interesting so I like how you just covered the foundation there. Let's go back to the 10 million dollar example, right? Yeah, you put in equity is you said so this is me saying Equity to close is 4 million. And so I'm bringing in 4 million just so I'm clear is do I have and this is my assumption that a Lot of syndicators are also raising the capital for that 4 million. Is that not correct?   Ruben Kanya (57:55.032) Typically, yes.   Okay, so then you're saying, just want to make sure I understand all the different use cases. So I could be 4 million and then the Delta, I can either traditional lending and or have my investors cover the Delta, which would be the 6 million. Is that accurate?   Yeah, I mean you can find however you need to fill in that the debt the equity stack Well wouldn't be the equity stack the full capital stack. Yeah   Typical though, it more typical that if I'm the GP to $10 million asset that I'm actually going to raise, I don't know, $3.5 million and put 500K on my own money? Is that more typical than I'm...   I would say that is typical. Yep. That is more typical. would say prime example idea, $10 million property, get a $6 million, maybe a little bit more, $6, $7 million loan. And then you raise three or $4 million, whether that's from passive investors or whether that's your own capital that you put in, or maybe you bring in fund to fund investors.   (Seth Bradley) (59:02.478) Okay, so that's where I wanted to ask the question, fund to fund. Tell me how that's different than the, bring in 3.5, I bring in 500K to the table, I raised 3.5, now I have a $4 million down payment, we borrow $6 million on debt. Tell me how the fund to fund is different than that approach.   Sure. So that deal that you just described, we like to call that when we're talking it with respect to fund to funds, the target deal. So that's the target deal. Like that's the entity and the structure that's buying the asset. So they're buying this $10 million asset. We're actually at the fund to fund level, one level down from there. So we create our own legal structure, our own LLC, and you have your own manager, a fund manager who brings in their own passive investors and they put them in that fund to fund legal entity.   And then the fund of fund legal entity actually invests into the target deal. So they come into the target deal as basically a big passive investor. let's say they aggregate a half a million dollars where typically, you know, the average investor might be $50,000. So these are bigger investors. It's just one big investor to the lead sponsor or the target deal, but it's really, yeah, it's really another fund is what it is. So it's a fund of a fund or a fund of a syndication.   That is so interesting. so you're saying that is becoming more prevalent. You fund a fund. I mean, I would imagine that's where not to get so far off topic, but that's where a lot of big companies who are deploying their excess capital or investing in. I I guess it's in multiple portfolios, right? Investing, right? mean, there's commercial, there's insurance. I mean, there's so many different things you can invest your money into.   Yes.   (Seth Bradley) (01:00:46.656) Is that all fun to fun families essentially?   For sure. For sure. Yeah. You know, you can call it a fund. There's different kinds of fund to funds. Fund funds aren't new. They've just been deployed in a different way recently or more prominently or more often, which is this kind of this I'll call it. We like to call it an SPV fund to fund single purpose vehicle fund to fund. Now other people will call it that same thing and mean something different, but the way that we mean it is that we create this fund to fund entity.   And it's a single purpose vehicle, meaning it's created only to invest in one deal. So that $10 million multifamily deal, we create a fund of an SPV fund of fund only to invest in that one

Ria is joined again by Dom explore the profound aspects of dating, relationships, and self-discovery. Building from a previous conversation in Part 1, this installment delves deeper into how personal histories and self-worth influence romantic choices. With candid anecdotes and thoughtful reflections, they unravel the complexities of modern dating dynamics and the importance of aligning personal values with relationship goals. The discussion is underpinned by mentions of popular culture figures like Beyonce and Megan Thee Stallion, grounding the conversation in relatable narratives. Throughout the episode, Dom shares her dating experiences and her journey towards understanding relationship dynamics, touching on themes of love languages, compatibility, and alignment of life goals. The dialogue seamlessly blends personal insights with broader cultural phenomena, particularly focusing on the shifts in relationship expectations in contemporary society. Both Ria and Dom advocate for authenticity and vulnerability in relationships as essential components for building meaningful connections. This episode is rich with advice for anyone navigating the complexities of dating, encouraging listeners to honor their past, learn from their experiences, and approach new relationships as their true selves. Follow Womanology on Instagram (@womanology_Podcast) Email the show at straightolc@gmail.com                  Hit the Voicemail at 641-715-3900 Ext. 769558 Follow SOLC Network online Instagram: https://bit.ly/39VL542    Twitter: https://bit.ly/39aL395    Facebook: https://bit.ly/3sQn7je    To Listen to the Podcast Podbean https://bit.ly/3t7SDJH                     YouTube http://bit.ly/3ouZqJU                     Spotify http://spoti.fi/3pwZZnJ                    Apple http://apple.co/39rwjD1                                     IHeartRadio http://ihr.fm/2L0A2y1 

In this episode of Building the Billion Dollar Business, Ray Sclafani challenges advisory firm leaders to adopt a shareholder mindset by asking a powerful question: What's your stock worth? While traditional metrics like AUM, revenue, and profit margins signal a thriving business, they don't fully reflect enterprise value—especially when planning for succession or outside investment.Ray walks through four key metrics that valuation experts use: EBITDA multiples, free cash flow, recurring revenue, and reinvestment strategy, and explains why every billion-dollar RIA should track an implied share price just like a public company. He outlines how creating a simple, annual “financial DNA” slide can drive internal dialogue, next-gen engagement, strategic clarity, and market appeal.To close, Ray offers four coaching questions to help advisors reframe how they lead, grow, and position their firm for long-term value creation.Key TakeawaysEvaluate your firm like a public company.Focus on EBITDA and free cash flow.Recurring revenue enhances valuation.Reinvestment strategies are crucial for growth.Create a financial DNA slide deck annually.Engage next-gen leaders as shareholders.For more information click here to visit the Best in the Business Blog.Find Ray and the ClientWise Team on the ClientWise website or LinkedIn | Twitter | Instagram | Facebook | YouTubeTo join one of the largest digital communities of financial advisors, visit exchange.clientwise.com.

Author, filmmaker, poet, podcaster and truly inspirational person Alyson Shelton returns to GCC to discuss the 200th episode of Where I'm From! In more detail; Alyson joins Mike on GCC for the fourth time to talk about her four year journey through her poetry-inspired show Where I'm From, where she has a different guest on each week to perform their own version of George Ella Lyon's Where I'm From poem! Plus, Alyson & Mike talk about poetry and performance, the essay/story collection Alyson has edited; Loss Of A Lifetime, their respective passion projects, fandoms, introspection and more - this is the perfect conversation for fans of writing, poetry and self-reflection! Alyson's website: www.alysonshelton.com Alyson's Instagram, where she airs Where I'm From live each week: www.instagram.com/byalysonshelton Alyson edited & contributed to the essay & short story collection The Loss of A Lifetime: www.alysonshelton.com/the-loss-of-a-lifetime Reburn Volume 1 TPB Kickstarter: www.kickstarter.com/projects/reburncomic/reburn-volume-1 The short film Alyson wrote: www.alysonshelton.com/to-hold-the-night-film Alyson is part of the Femme On Collective, releasing episodes of Fine Cut here: www.femmeon.show Alyson is also a contributor to Comics Lit Volume 1: https://accomplishinginnovationpress.com/product/comics-lit-vol-1   Mike's appearance on Where I'm From #80: www.youtube.com/watch?v=kl-E9a-6XIo Alyson has appeared on Genuine Chit-Chat previously, on episodes 159, 173 & 185! The last two months of GCC has been reviews and interviews from the Forbidden Worlds Film Festival 2025, where Mike & Spider-Dan watched a bunch of movies and spoke to several people involved at the festival, including legendary producer Gale Anne Hurd! Listen on this feed & watch on YouTube, plus go to Spider-Dan And The Secret Bores for the other half of the reviews and interviews: https://spiderdanandthesecretbores.com All Patreons have been receiving bonus episodes, including reviews on Thunderbolts, Morbius, Superman III & IV, Venom 3 and more, as well as early access! Support at www.patreon.com/GenuineChitChat or https://ko-fi.com/GenuineChitChat If you're a Star Wars fan, check out Star Wars Chit-Chat for Mike's in-depth reviews, breakdowns & things you missed episodes for Andor, The Clone Wars and more, on any podcast app or on YouTube: https://podfollow.com/starwarschitchat & https://youtube.com/@starwarschitchat Guest Spots: Another episode of Disney Discussions is out where Mike & Dan spoke about Lilo & Stitch 1 & 2 with Megan, Ria & guest Natalie! https://tinyurl.com/2bs7kker Mike recently reviewed Superman '78, Superman II and the Super/Man documentary on the 20th Century Geek podcast, while Dan spoke about Superman IV! https://pod.fo/e/2bea07 Mike was on Reckless Rebellion to talk about Andor's Prison Arc from S1, listen here: https://pod.fo/e/2c28cc Find all of Mike's social media & other links at https://linktr.ee/GenuineChitChat Please review/rate, subscribe and share – it helps the show out an incredible amount!

Ria's new obsession is ‘Pop Star Academy: KATSEYE' (00:00-13:33). ‘Perfect Match' recap (13:34-21:52). ‘The Summer I Turned Pretty' E5 reaction (23:02-42:50). Jacob Elordi & Olivia Jade split (42:51-45:42). Sydney Sweeney spotted on set of ‘The Devil Wears Prada 2' (45:43-49:02). ‘Special Forces' S4 cast revealed (49:03-54:12). Interview with Alicia Silverstone - talking her new show ‘Irish Blood,' BTS of filming ‘Clueless,' the 'Clueless' sequel series + more! (55:26-1:28:34). Beat Ria & Fran game 184 with Christine & Allie (1:29:22-1:48:48). 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 203 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Sam Ro and Luke Kawa to discuss: AI dominating the economy, crypto and PE in 401(k)s, consumer spending, the BLS, and much 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://vgi.vg/3GbOsYM. 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

GPT-5 ya está en ChatGPT: más rápido, preciso y experto, con funciones nuevas para todos los usuarios, gratis y de pagoPor Félix Riaño @LocutorCo  OpenAI ha lanzado GPT-5, su modelo de inteligencia artificial más avanzado, disponible desde ya para todos los usuarios de ChatGPT, gratis o con suscripción. Sam Altman, su director ejecutivo, lo describe como un salto comparable al cambio del iPhone a pantalla Retina. Afirma que GPT-5 responde como un experto con doctorado, es más rápido, más preciso y con menos errores. Este modelo combina en uno solo el razonamiento avanzado y la conversación normal, y añade variantes como GPT-5-mini y GPT-5-nano, pensadas para menor costo y más velocidad. Con 256.000 tokens de contexto, puede manejar documentos y conversaciones largas sin perder el hilo, y se anuncia como el mejor en código, escritura y salud.  GPT-5 llega en un momento en que ChatGPT suma casi 700 millones de usuarios semanales y más de 4 millones de desarrolladores. OpenAI asegura que es su modelo más útil, preciso y seguro hasta la fecha, con una reducción de errores de hasta 65 % en su versión “thinking”. Altman compara su evolución con la de un estudiante de secundaria (GPT-3), uno universitario (GPT-4) y ahora un experto con doctorado. El sistema puede crear aplicaciones completas, escribir de forma más natural, razonar con pasos visibles y adaptarse a tareas complejas automáticamente. Además, introduce personalidades predefinidas, integración con Gmail, Google Calendar y Google Contacts para usuarios Pro, y un manejo más seguro de preguntas delicadas, priorizando respuestas útiles sin saltarse las normas.  Los expertos advierten que, aunque es un paso hacia la inteligencia artificial general, GPT-5 no aprende por sí mismo.  La presentación de GPT-5 fue más que un anuncio técnico. OpenAI lo mostró resolviendo en minutos la creación de una app interactiva para aprender francés, completa con actividades diarias, tarjetas de memoria y cuestionarios. También demostró su capacidad para generar cientos de líneas de código funcional en segundos, escribir textos creativos como un elogio fúnebre con matices emocionales, y ofrecer consejos de salud más fiables, siempre dejando claro que no sustituye a un médico. En la práctica, esto significa que cualquier usuario, incluso sin conocimientos técnicos, podría pedirle a GPT-5 que diseñe, programe y explique un proyecto complejo, y recibir una solución lista para usar. La compañía destaca que esta versión entiende mejor el contexto, ejecuta tareas largas y usa herramientas externas con más acierto.La llegada de GPT-5 también abre debates importantes. Aunque sus capacidades lo acercan al concepto de inteligencia artificial general, sigue sin aprender continuamente después de ser lanzado, algo que Altman considera esencial para llegar a esa meta. Esto deja claro que, pese a los avances, no es una herramienta que reemplace de forma autónoma el trabajo humano en todas las áreas. Además, expertos en ética, como Carissa Véliz, advierten que el marketing puede inflar las expectativas y que la rentabilidad de estos sistemas aún no está garantizada. Hay preocupaciones sobre cómo se entrenan estos modelos, si compensan a los creadores cuyo contenido usan, y sobre la necesidad urgente de regulaciones que protejan a las personas frente a usos indebidos, errores o sesgos.  OpenAI plantea que GPT-5 es “el mejor modelo del mundo” para programación, escritura y consultas de salud, y que su reducción en alucinaciones lo hace más fiable. Ha incorporado respuestas seguras para casos de doble uso —es decir, tareas que pueden tener fines benignos o dañinos— y ha entrenado el modelo para fallar de manera controlada en lo que no puede resolver. Además, ha probado el sistema con más de 5.000 horas de “red teaming” y colaboración con organizaciones externas para reforzar su seguridad. Para los desarrolladores, las tarifas del API bajan significativamente con GPT-5-nano, buscando competir con modelos baratos como Gemini 2.5 Flash. En el corto plazo, veremos si la combinación de velocidad, precisión y nuevas funciones logra que GPT-5 recupere para OpenAI el liderazgo en la carrera de la IA.  El lanzamiento incluye cambios visibles para los usuarios: ya no hay que elegir manualmente el modelo; un sistema interno dirige la consulta al más adecuado. Se pueden elegir colores para el chat y personalidades como “Cínico”, “Robot”, “Oyente” y “Nerd”, que se integrarán en el modo de voz avanzada. Los usuarios Pro tendrán acceso ilimitado a GPT-5 y a GPT-5-thinking, que procesa las preguntas durante más tiempo para dar respuestas más profundas. Esta versión maneja un contexto de 256.000 tokens, lo que equivale a entender un libro de 500 páginas en una sola conversación. La integración con Gmail y Google Calendar permitirá automatizar tareas personales y profesionales, algo que puede cambiar la forma de usar un asistente digital. La clave será cómo las personas adaptan su trabajo y su día a día a esta nueva herramienta.En resumen, GPT-5 es la apuesta de OpenAI para volver a encabezar la carrera de la IA, ofreciendo más capacidad, velocidad y seguridad. La conversación sobre su impacto y sus límites apenas empieza.  Sigue Flash Diario para opinar y conocer las próximas novedades. 

In this episode of Money Tales, our guest is Gregory Roll. What happens when parents tell their two children they can afford to send only one of them to college—so they aren't going to send either? Greg shares how this pivotal family moment became a guiding lesson for his future money conversations and decisions, especially within his own family. This milestone 250th episode of Money Tales is all about fairness and family dynamics. Greg is, above all else, curious. An optimistic agent of change, he is a champion of the principle “Show, don't tell,” and a firm believer in the power of creativity and clarity to drive transformation. Whether summiting mountains or navigating complex business terrain, Greg approaches challenges with a spirit of exploration—always seeking new paths to insight and innovation. A passionate brand strategist, Greg believes that in today's crowded and often commoditized investment and wealth management landscape, differentiation is not a luxury—it's a necessity. As the needs of high-net-worth individuals and families grow in sophistication and complexity, so too must the strategies that serve them. Greg is dedicated to helping entrepreneurs, founders, and business leaders define and execute brand and growth strategies that set them apart and support purposeful, sustained growth. Greg's career has been devoted to crafting growth strategies for many of the nation's most prestigious multi-family offices and leading RIA firms. He brings deep experience working with multi-generational families, focusing on the complex dynamics at the intersection of family, enterprise and wealth. His work often involves direct engagement with high-net-worth families to understand the key factors influencing their decisions around wealth management, investment strategy and family office services. He has developed particular expertise in data aggregation and consolidated wealth reporting and keeps a close eye on emerging technologies and platforms reshaping the industry. As a management consultant, Greg has partnered closely with a wide range of trusted advisors, including estate attorneys, CPAs, philanthropic strategists and family governance consultants. Greg is a frequent presenter at industry events hosted by Family Office Exchange, Family Wealth Alliance, and Worthy Circles. He also plays a behind-the-scenes role in shaping thought leadership initiatives for MFO and RIA firms launching their own events for families and advisors. He serves as an Advisory Board Member to StoryKeep and Tapestry, two specialized providers supporting high-net-worth families and is a longtime judge for the Annual Family Wealth Report Awards.

Instagram lanza su propio mapaInstagram activa su mapa para ver publicaciones geolocalizadas, notas y ubicaciones de amigos, como en Snapchat  Por Félix Riaño @LocutorCo  Instagram estrena “Instagram Map”, una función para ver en el mapa publicaciones de amigos y creadores. También llega una pestaña para reposts y otra para ver lo que tus contactos hacen en Reels.  Instagram lanzó tres nuevas funciones: un mapa que muestra la última ubicación activa de tus amigos, una pestaña de reposts para compartir reels y publicaciones de otros, y una sección en Reels donde puedes ver qué videos les gustaron o compartieron tus contactos. El mapa, que estará disponible primero en Estados Unidos, se actualiza solo cuando abres la app. Además, puedes dejar notas en ubicaciones específicas. Estas funciones buscan devolverle a Instagram un enfoque más social.  ¿Conectar con amigos o sentir que te vigilan?  Instagram está probando una forma distinta de conectarnos: a través de los lugares. Con el nuevo mapa, vas a poder ver publicaciones etiquetadas en zonas específicas, como una historia en un festival o un reel desde una cafetería. Todo lo que esté geolocalizado, ya sea de amigos o de creadores que sigues, podrá verse en el mapa. Además, se pueden dejar notas en sitios concretos. Estas notas duran 24 horas y aparecen como mensajes breves visibles solo en el mapa.Este mapa no es en tiempo real. Solo actualiza la última localización cuando abres Instagram. Y compartirla es totalmente opcional. Puedes decidir con quién hacerlo, apagarlo en cualquier momento y evitar que ciertos lugares aparezcan. Está pensado para mantener algo de privacidad mientras se exploran contenidos por ubicación. Se accede desde la parte superior de los mensajes directos. Desde ahí, podrás navegar por los lugares en los que otros están publicando.  Aunque el mapa se presenta como una herramienta para conectar mejor con amigos, también reaviva el debate sobre privacidad. Meta asegura que compartir la ubicación es opcional, que no se actualiza en segundo plano y que los padres con control de supervisión pueden revisar si sus hijos la activan. Pero esta promesa llega desde una empresa con historial polémico en el manejo de datos.El lanzamiento también parece apuntar a los antiguos usuarios de Zenly, la app de mapas sociales que Snapchat cerró en 2023. Instagram busca ocupar ese espacio, aunque no ofrece actualizaciones en tiempo real como hacía Zenly. La diferencia está en que aquí se combina ubicación con contenido multimedia. Aun así, persiste la preocupación de que Instagram se está convirtiendo en una mezcla de funciones prestadas que saturan la experiencia del usuario.  Más allá del mapa, Instagram también lanzó los “Reposts”. Ahora se puede compartir directamente un reel o una publicación pública en tu perfil. Todo lo que repostees quedará guardado en una pestaña nueva y aparecerá en el feed de quienes te siguen. Si eres creador, eso puede ayudarte a llegar a más personas, incluso si no te siguen directamente. Al compartir, también puedes añadir una nota breve.Junto con eso, la pestaña “Amigos” en Reels estará disponible en todo el mundo. Allí se ve lo que tus contactos han comentado, guardado o creado. Si no quieres que tus propias acciones aparezcan, puedes ocultarlas desde los ajustes. También puedes silenciar la actividad de otras personas si no te interesa. Todo esto apunta a revivir el lado social de Instagram, que muchos usuarios extrañan desde que el feed se llenó de recomendaciones automáticas.Estas tres funciones —el mapa, los reposts y la pestaña Amigos— pueden ayudar a que Instagram vuelva a parecerse a lo que fue: una red para compartir entre personas cercanas. Pero también representan un cambio más en una plataforma que no deja de reinventarse.  Snapchat, con su Snap Map, ha logrado reunir a más de 400 millones de personas al mes usando mapas sociales. Instagram ahora intenta capturar ese mismo interés, aprovechando también que muchos extrañan lo que ofrecía Zenly. Pero no es solo un tema de mapas. Con los reposts, Instagram se inspira en funciones ya conocidas de otras redes: TikTok y X (antes Twitter) usan sistemas parecidos para amplificar contenido.Los creadores de contenido han venido pidiendo herramientas que les permitan llegar a más gente sin depender tanto del algoritmo. Esta función podría ayudarles, ya que si alguien repostea su publicación, ese contenido aparece recomendado a nuevos públicos.Y el regreso del enfoque en la actividad de los amigos —con la pestaña “Amigos” en Reels— recuerda a una etapa anterior de Instagram, cuando podíamos ver lo que nuestros contactos comentaban o daban like. La diferencia es que ahora hay opciones para esconder esa información. La plataforma se adapta, pero con cautela.  Instagram lanza un mapa para ver publicaciones por ubicación, una función de reposts y una pestaña para seguir lo que hacen tus amigos. Activa solo lo que quieras usar y escucha más en Flash Diario en Spotify.  Instagram estrena mapa, reposts y pestaña de amigos en Reels. ¿Más conexión o más control? Todo está cambiando.  

Nate Geraci, President of NovaDius Wealth Management, joined me to discuss the latest SEC crypto ETF updates.Topics:- SEC approves in-kind creations and redemptions for Crypto ETPs - SEC approves but delays launch of index ETFs (Grayscale, Bitwise) - Will Staking in Ethereum ETFs be approved soon? - Bitcoin & Ethereum ETF inflows - BlackRock XRP & Solana Spot ETFs- GENIUS Act Passed & Upcoming CLARITY Act Show Sponsor -

Power Rangers invaden Fortnite: La temporada Shock ‘n Awesome llega con Rangers, Halo y bichos  Por Félix Riaño @LocutorCo  Los Mighty Morphin Power Rangers regresan en una colaboración épica con Fortnite desde el 7 de agosto. Habrá trajes, Megazord, Halo y hasta insectos gigantes.  Fortnite va a lanzar su nueva temporada llamada Shock ‘n Awesome, y los protagonistas no son solo los personajes del juego, sino una invasión de insectos enormes… y la llegada de los Power Rangers. Sí, los originales, los Mighty Morphin de los años 90. Habrá trajes, combates y hasta el Megazord. Además, también se unirán al juego los Spartans de Halo, un panda con parche y otras skins curiosas. La campaña de lanzamiento se filmó en un lugar muy especial para los fans. ¿Será este el regreso más nostálgico de todo el año en el gaming?  La batalla es tan épica que tuvieron que llamar al Megazord.  Todo empieza con un nuevo tráiler que mezcla animación y acción real. En él, los héroes de Fortnite están siendo atacados por bichos gigantes que salen de una especie de tentáculo abandonado por un monstruo del evento anterior. Justo cuando la situación se pone peor, aparecen los Power Rangers. La pantalla cambia a formato 4:3, estilo VHS noventero, y entramos en una escena en vivo con actores disfrazados, combatiendo como en la serie original.Los fans más atentos notaron que este tráiler fue grabado en Vasquez Rocks, el mismo parque en California donde se filmaron muchas escenas del programa original de los Power Rangers. Incluso es el lugar donde aparecía el Centro de Mando de Zordon. Esta conexión nostálgica hizo que muchos adultos gamers regresaran emocionados a ver el tráiler una y otra vez.  La temporada no es solo nostalgia. También es puro caos. La isla de Fortnite ha sido invadida por insectos gigantes. Esto conecta con el lore del juego: una criatura tipo kraken fue derrotada, pero dejó restos tentaculares que ahora liberaron a estos bichos. Esta invasión cambia completamente el paisaje del juego y la forma de jugar.A esto se suma una serie de filtraciones del Battle Pass que ya han adelantado parte de lo que viene. Habrá skins como el Spartan femenino de Halo, el White Ranger Tommy Oliver como skin de nivel 100, y otros personajes aún por revelar. Lo interesante es que algunas de estas filtraciones ocurrieron semanas antes del anuncio oficial, lo que generó una ola de rumores, hype y expectativas.  Epic Games confirmó oficialmente que el Mighty Morphin Bundle llegará a la tienda del juego a mediados de agosto. Este paquete incluirá los trajes del Ranger rojo, azul, amarillo, rosa y negro, además de accesorios y hasta una pista musical llamada Go Go Power Rangers Redux Jam Track. Y no solo eso: quienes compren el Battle Pass podrán desbloquear el Megazord a partir del 16 de septiembre si completan ciertas misiones.La temporada va a tener un evento especial a mitad de camino, donde el Megazord tomará el protagonismo para un gran combate contra los insectos. Fortnite está apostando fuerte por este cruce entre nostalgia, cultura pop y jugabilidad innovadora. No importa si llevas años sin jugar: este es un buen momento para volver.  Vasquez Rocks, donde se grabó el tráiler, no es un lugar cualquiera. Además de Power Rangers, ha aparecido en series como Star Trek, en películas de ciencia ficción, y hasta en videoclips. Es un lugar emblemático que se ha convertido en símbolo del entretenimiento de acción. Usarlo para este tráiler fue una jugada de respeto al pasado y a las personas que crecieron con estos héroes.La temporada se llama Shock 'n Awesome, un nombre que ya promete sorpresas. Y aunque aún no se han revelado todos los cosméticos del Battle Pass, se espera que haya más colaboraciones y referencias a series clásicas y nuevas. La mezcla entre insectos gigantes, guerreros con armaduras futuristas y superhéroes con dinosaurios mecánicos podría parecer caótica, pero en Fortnite, todo tiene cabida.Por cierto, el tráiler completo está disponible en YouTube y es uno de los más vistos de la semana entre los fans de cultura pop y videojuegos.  Fortnite va a traer a los Power Rangers, el Megazord y los Spartans de Halo en una sola temporada. Nostalgia y acción en formato Battle Royale. ¿Te animas a volver al juego? Cuéntamelo y escucha más en Flash DiarioLos Power Rangers, Halo y el Megazord llegan a Fortnite el 7 de agosto. Todo mezclado con bichos gigantes y nostalgia noventera.

Financial planning clients expect responsive, detail-oriented service—and the firms that deliver consistently are the ones that keep them for decades. Michelle Perry Higgins has seen that firsthand, and she joins us today to share how setting and maintaining high client service standards, alongside thoughtful listening and planning, can drive both long-term retention and organic growth. Michelle is a principal of California Financial Advisors, an RIA based in San Ramon, California, that oversees $2 billion in AUM for approximately 1,500 households. Listen in as she talks about how her firm has grown entirely organically, fueled by her "non-negotiable" service practices (such as ensuring no client waits more than 5 minutes for a meeting) and maintaining a greater than 99% client retention rate. She also explains how she uses tools like an “Everything Binder” to help clients organize their financial lives, why she builds time into her schedule after every meeting to record personalized notes, and how going deeper in client conversations uncovers what really matters. For show notes and more visit: https://www.kitces.com/449

In this episode of the 9Innings Podcast, host interviews Helen Stephens, founder of Aspen Wealth Management. Helen shares her journey of launching her RIA firm in 2011 with zero assets, overcoming regulatory and industry challenges, and building a diverse, client-focused practice. She discusses the importance of ethical business, defining an ideal client, and work-life integration. The conversation covers industry gender barriers, the distinction between advisor and business owner roles, scaling a firm, and succession planning. Helen's insights highlight Aspen's growth to over $500 million in assets and her commitment to a supportive, values-driven culture.Helen's Career Beginnings & Starting Aspen Wealth (00:01:06).Starting with Zero Assets (00:03:46)Navigating a Male-Dominated Industry (00:06:09)Industry Changes & Firm Growth Recognition (00:09:17)Mistakes & Ideal Client Definition (00:12:33)Culture & Passion for Service (00:15:01)Work-Life Integration & Time Ownership (00:16:02)Burnout, Responsibility, and Market Stress (00:20:03)Scaling, Hiring, and Succession Planning (00:22:17)Headaches And Landmines to Avoid (27:20)Value of Mentorship (29:00)Business Reflection (31;05)NEWSLETTER (WHAT NOW): https://substack.com/@9icapital?r=2eig6s&utm_campaign=profile&utm_medium=profile-page Follow Us: youtube: / @9icap Linkedin: / kevin-thompson-ricp%c2%ae-cfp%c2%ae-74964428 facebook: / mlb2cfp Buy MLB2CFP Here: https://www.amazon.com/MLB-CFP%C2%AE-90-Feet-Counting-ebook/dp/B0BLJPYNS4 Website: http://www.9icapitalgroup.com Hit the subscribe button to get new content notifications. Corrections: Editing by http://SwoleNerdProductions.com Disclosure: https://sites.google.com/view/9idisclosure/disclosure

La científica Michele Dougherty hace historia como la primera mujer Astrónoma Real del Reino Unido  Por Félix Riaño @LocutorCo   La física espacial Michele Dougherty ha sido nombrada la primera Astrónoma Real en 350 años. Su trabajo reveló indicios de vida en una luna de Saturno.  El Reino Unido acaba de nombrar, por primera vez en tres siglos y medio, a una mujer como Astrónoma Real. La profesora Michele Dougherty, nacida en Sudáfrica y actual experta en física espacial del Imperial College London, fue quien lideró investigaciones que descubrieron géiseres de agua en Encelado, una de las lunas de Saturno. Ese hallazgo hizo pensar a la comunidad científica que podría haber vida en ese lugar. Además, dirige instrumentos a bordo de la sonda JUICE, rumbo a las lunas heladas de Júpiter.¿Qué significa su nombramiento en un cargo históricamente reservado a hombres blancos?  Nunca estudió ciencias en el colegio, ni pensaba hacerlo.  Michele Dougherty nació en Sudáfrica, en una familia con herencia inglesa e irlandesa. Cuando tenía 10 años, su padre construyó un telescopio en el jardín. Ella y su hermana ayudaron a mezclar el cemento de la base. A través de ese telescopio vio por primera vez los anillos de Saturno y las lunas de Júpiter. Pero, en esa época, ni siquiera pensaba dedicarse a la ciencia. En su adolescencia eligió un colegio donde no enseñaban física ni química, solo por estar con sus amigas. Aun así, era muy buena en matemáticas. Por eso, más adelante, fue admitida en una universidad para estudiar ciencias. Aprendió desde cero, con esfuerzo y constancia, hasta convertirse en una de las científicas más importantes del Reino Unido.  Durante siglos, la ciencia fue un mundo cerrado para muchas personas. El cargo de Astrónomo Real se creó en 1675, cuando el rey Carlos II de Inglaterra inauguró el Observatorio Real de Greenwich. Desde entonces, 15 hombres lo habían ocupado. Nunca una mujer. Y mucho menos alguien que, de niña, no estudió ciencia en el colegio. Michele Dougherty rompió esa barrera, pero su propio deseo es que el reconocimiento no sea solo por ser mujer, sino por lo que ha logrado. Su trabajo en la sonda Cassini descubrió chorros de agua saliendo de Encelado, indicando actividad geológica y condiciones que podrían albergar vida. También lidera el magnetómetro de la misión JUICE, que va a estudiar Ganimedes, la luna más grande del sistema solar. Dougherty teme que la financiación de la ciencia se vea afectada por inestabilidad política y económica. Por eso, quiere usar este cargo para hablar con la gente sobre por qué la ciencia importa.  Como Astrónoma Real, Dougherty no manejará el observatorio ni trazará rutas marítimas usando las estrellas, como en el siglo XVII. El cargo se volvió honorífico desde 1972. Pero sí tendrá una función pública: inspirar, explicar, comunicar la importancia de la astronomía. “Quiero entusiasmar al público y hacerles ver que la astronomía afecta nuestra vida diaria”, dijo en una entrevista. Su nombramiento coincide con un cambio cultural en la ciencia británica. Desde 2021, Catherine Heymans ya ocupaba el cargo de Astrónoma Real de Escocia, y ahora ambas representan a todo el Reino Unido. Dougherty es también presidenta electa del Instituto de Física, profesora en Imperial College y presidenta del Consejo de Infraestructura Científica del Reino Unido. En todos esos roles, su mensaje es claro: la ciencia debe abrirse, debe explicarse, y debe entusiasmar a los niños y niñas que nunca se vieron a sí mismos como científicos.  La sonda Cassini, de la NASA, operó desde 1997 hasta 2017. Dougherty se unió al proyecto en 1992, como investigadora del instrumento de campo magnético. En 2005, notó una pequeña anomalía en los datos cuando Cassini sobrevoló Encelado. Insistió en volver a pasar cerca del polo sur de la luna, a pesar de las dudas de los líderes del proyecto. Y acertó: descubrieron un chorro de vapor de agua. Ese hallazgo cambió la visión que teníamos sobre las lunas heladas del sistema solar. Desde entonces, Encelado se considera uno de los lugares más prometedores para buscar vida. Ahora, su nuevo proyecto es JUICE, una misión de la Agencia Espacial Europea lanzada en 2023, que llegará a Júpiter en 2031. La nave estudiará si Ganimedes tiene un océano bajo su superficie. Dougherty diseñó el magnetómetro que viajará a bordo. La ciencia que lidera desde Londres está cambiando lo que sabemos sobre el sistema solar.  Michele Dougherty fue nombrada Astrónoma Real del Reino Unido, tras 350 años de historia masculina. Su trabajo sobre Encelado y Ganimedes transformó la exploración espacial.Sigue más historias como esta en el pódcast Flash Diario en Spotify.  Michele Dougherty, pionera en misiones a Saturno y Júpiter, es la primera Astrónoma Real en 350 años.

Fritz Curtis (Head of Distribution) & Mike Cerasoli (Portfolio Manager of Energy Infrastructure) from Eagle Global Advisors, a Houston based RIA specializing in Oil & Gas and Energy Infrastructure, join the podcast to take a deep dive on the midstream space, data center development, and how they both will impact power demand, natural gas demand, and ultimately the Minerals & NonOp space. **Disclaimer: This podcast is meant for informational purposes only and does not constitute investment advice.A big thanks to our 3 Minerals & Royalties Podcast Sponsors:--Tracts: If you are interested in learning more about Tracts title related services and software, then please call 281-892-2096 or visit https://tracts.co/ to learn more.--Riverbend Energy Group: If you are interested in discussing the sale of your Minerals and/or NonOp interests w/ Riverbend, then please visit www.riverbendenergygroup.com for more information--Farmers National Company: For more information on Farmer's land management services, please visit www.fncenergy.com or email energy@farmersnational.com

Join us for an extra special episode of SEE Change with special guest, Angelina Vivolo Cicala. Angelina is a three-time Emmy Award-winning executive producer and director, Principal of AVC Productions, LLC, entrepreneur, advocate for women in television, and Founder of TellHerVision, mother of two amazing children and creator of a new TV series, "America's Next CEO".Angelina's story is one of determination, passion, and a quest to level the playing field for women in television production. From her early days as an intern and her first big break, to starting her own production company and founding TellHerVision, all while raising two small children at home, Angelina is leading a SEE Change in the industry and setting an example of what is possible when you find a career that you love and are determined to make an impact.We were fortunate to meet Angelina through her daughter, Alexandra Cicala. Alexandra was a Seelaus intern this summer and is a rising Junior at St. John's University, an entrepreneur, Girls Who Invest Alum, and Founder of Financially Lit. Alexandra joins us for part of the conversation to talk about how she found her way to Seelaus and what it is like growing up with such an incredible mom as a role model.About Angelina CicalaAngelina Cicala is a three-time Emmy Award-winning executive producer and writer, winner of the prestigious Edward R. Murrow Award for Investigative Reporting and entrepreneurial go-getter. A native New Yorker, she began her career at WNBC-TV, WABC-TV, and WCBS-TV, earning seven Emmy nominations while producing various news segments. She co-founded Daily HealthFeed, providing medical news to over forty stations, and now runs AVC Productions, LLC. Angelina has created and produced multiple TV shows, including the award-winning series “Best Places to Live” and “Say I Do, NYC.”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

Microsoft lanzó una Surface Laptop con pitufos grabados. Solo hay 100. Cuesta lo mismo, pero ¡es edición pitufa exclusiva!Por Félix Riaño @LocutorCo  Microsoft lanzó una Surface Laptop decorada con pitufos para celebrar la nueva película. Solo existen 100 unidades en Amazon.  Microsoft decidió ponerle un toque azul y caricaturesco a su nueva Surface Laptop. Y no es broma. La edición limitada "Smurface Edition" tiene pitufos grabados con láser en la tapa, un logo azul brillante y exactamente las mismas especificaciones técnicas del modelo normal. Pero claro, esta versión está pensada para fans de los Pitufos… o para quienes aman lo raro y coleccionable. Solo hay 100 unidades, a la venta exclusivamente en Amazon en Estados Unidos. Si se acaban, no hay segunda ronda. ¿Será esto una jugada nostálgica o un simple juego de palabras llevado demasiado lejos?  No, no viene con Gargamel preinstalado.  Vamos a empezar con los hechos: Microsoft lanzó una Surface Laptop 7 de 13 pulgadas, en edición limitada, decorada con grabados láser de los Pitufos. El modelo, llamado oficialmente “Smurface Edition”, es un juego de palabras entre “Surface” y “Smurfs”, que son los Pitufos. Tiene un procesador Snapdragon X Plus con 8 núcleos, 16 gigabytes de memoria RAM y 512 gigabytes de almacenamiento interno. Es decir, un equipo ligero, veloz y bastante capaz. Pero lo que lo hace especial no es su rendimiento, sino que solo se fabricaron 100 unidades.  Aunque este modelo tiene el mismo precio que la versión estándar —999 dólares, unos 3 millones 870 mil pesos colombianos o 910 euros— no todo el mundo podrá tenerlo. Solo se vende en Amazon de Estados Unidos y no hay planes de traerlo a América Latina ni a Europa. Esto limita mucho a quienes quieran tenerlo como objeto de colección. Además, fuera de lo estético, no trae ningún contenido exclusivo de la película ni funciones especiales. Entonces la pregunta es: ¿vale la pena pagar lo mismo por un diseño con pitufos grabados, sin que eso cambie nada más del equipo? ¿O es simplemente una estrategia de marketing para llamar la atención justo en época de regreso a clases?  El Smurface Edition ya está disponible en Amazon y las unidades están volando. A diferencia de otras ediciones conmemorativas que Microsoft ha hecho —como la del 50 aniversario que solo regalaron a empleados— esta sí se puede comprar. Pero si no alcanzas una, hay otra opción: Microsoft Rewards está regalando tres unidades entre quienes participen en retos pitufescos, como programar un minijuego retro con personajes azules usando MakeCode o descargar fondos de pantalla con pitufos para Microsoft Teams. Aunque la distribución es limitada, la edición genera conversación y pone a Surface en el radar de un público más joven, o al menos más nostálgico.  Los Pitufos, conocidos mundialmente como Smurfs, nacieron en Bélgica en 1958 y han sido protagonistas de cómics, series animadas y varias películas. La nueva película de los Pitufos que acompaña este lanzamiento fue estrenada en julio y busca conectar con nuevas generaciones. Esta colaboración con Microsoft no es casualidad: Surface Laptop 7 apunta a estudiantes y usuarios jóvenes, y lanzar una edición colorida y divertida puede servir como impulso en plena temporada de compras escolares. Además, este modelo mantiene la pantalla táctil de 13.8 pulgadas con proporción 3:2, ideal para tareas académicas. Técnicamente, es idéntico al modelo normal, pero su rareza puede convertirlo en pieza de colección.  Microsoft lanzó una Surface Laptop con pitufos grabados. Solo hay 100 y se venden por Amazon. ¿Tú la comprarías?Sígueme y escucha más historias curiosas de tecnología en el pódcast Flash Diario en Spotify

Ria's addicted to coffee (00:00-16:59). JaNa and the rest of the 'Love Island' cast expose Kenny post breakup (18:12-31:31). ‘The Summer I Turned Pretty' episode 4 recap (31:32-42:32). Justin Trudeau spotted at Katy Perry's concert (42:33-46:29). Interview with Kenny Ortega - talking the 10th anniversary of ‘Descendants,' BTS of making the ‘High School Musical' movies, working with Michael Jackson + so much more! (47:48-1:19:59). Beat Ria & Fran game 183 with Ava & Olivia (1:21:29-1:44:20). 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

Today's episode is a conversation with Ria Czerniak-LeBov. You may remember that Carl mentioned Ria's recent piece in the Irish Examiner, the headline of which was 'Not all Jews are Zionists - Alan Shatter Does Not Speak for Me'. Ria has been writing for months about her perspective on Israel's actions, and she was generous enough to share her perspective with me on the podcast this week. It was clear through our conversation that speaking out in this way as a member of Ireland's jewish community comes at a cost, but I am so grateful to Ria for the work she's doing in this area, and her valuable perspective.To support the podcast and access bonus episodes, join the community on Patreon here. Hosted on Acast. See acast.com/privacy for more information.

Edition No209 | 31-07-2025 - An article in RIA, a government propagandists news agency, of which RT is a subsidiary, openly calls for genocide, while sanctioned Russian lawmakers that are fully aligned with this genocidal policy are welcomed in Switzerland at a so-called peace conference. Today, we confront two outrageous acts:1. A Russian state propaganda op‑ed calling for the total annihilation of Ukrainians, published by RIA Novosti.2. The astonishing decision by Switzerland to allow sanctioned Russian lawmakers—including war crime enablers—to speak at a Geneva peace conference.These two acts expose two grotesque lies – that the Russian invasion of Ukraine has anything to do with NATO, security concerns or any similar nonsense, and it also exploded the Swiss claims to be neutral politically, but not morally. Rather, it's a reminder, if such were needed, of the extraordinary moral bankruptcy Switzerland has shown today, and reflects other episodes in the past, where it was an enabler of NAZI crimes to steal wealth from Jews during the holocaust, and allegedly supplied the fascist war machine with precision parts, under gently persuaded by the RAF to tone down their hypocrisy. Switzerland was not neutral then and is not now. It could even be deeply dependent on Russian money and largess. ----------SUPPORT THE CHANNEL:https://www.buymeacoffee.com/siliconcurtainhttps://www.patreon.com/siliconcurtain----------SOURCES: https://meduza.io/en/news/2025/07/31/russian-state-media-runs-op-ed-titled-no-one-should-remain-alive-in-ukrainehttps://united24media.com/war-in-ukraine/switzerland-invites-sanctioned-russian-official-matviyenko-to-speak-in-geneva-despite-role-in-launching-the-war-in-ukraine-10266https://kyivindependent.com/sanctioned-russian-officials-attend-global-parliamentary-summit-in-geneva/https://www.themoscowtimes.com/2025/07/30/eu-lawmakers-walk-out-during-matviyenkos-address-in-geneva-a90035https://www.pravda.com.ua/eng/news/2025/07/30/7524081/https://www.newarab.com/news/ukraine-delegate-slams-russian-presence-geneva-gatheringhttps://www.bloomberg.com/news/articles/2025-07-30/top-putin-ally-visits-geneva-as-italy-france-waive-flight-banhttps://babel.ua/en/news/120073-the-head-of-the-russian-federation-council-matvienko-who-is-under-sanctions-arrived-in-geneva-for-a-conference-dedicated-to-peacehttps://www.pravda.com.ua/eng/news/2025/07/30/7524129/https://tvpworld.com/88079711/disgraceful-ukraine-slams-geneva-summit-for-hosting-sanctioned-russian-mpshttps://united24media.com/latest-news/protest-erupts-during-russian-speaker-matviyenkos-speech-at-world-conference-of-speakers-in-geneva-10304https://kyivindependent.com/russian-state-media-article-demands-no-ukrainians-be-left-alive/----------TRUSTED CHARITIES ON THE GROUND:Save Ukrainehttps://www.saveukraineua.org/Superhumans - Hospital for war traumashttps://superhumans.com/en/UNBROKEN - Treatment. Prosthesis. Rehabilitation for Ukrainians in Ukrainehttps://unbroken.org.ua/Come Back Alivehttps://savelife.in.ua/en/Chefs For Ukraine - World Central Kitchenhttps://wck.org/relief/activation-chefs-for-ukraineUNITED24 - An initiative of President Zelenskyyhttps://u24.gov.ua/Serhiy Prytula Charity Foundationhttps://prytulafoundation.orgNGO “Herojam Slava”https://heroiamslava.org/kharpp - Reconstruction project supporting communities in Kharkiv and Przemyślhttps://kharpp.com/NOR DOG Animal Rescuehttps://www.nor-dog.org/home/----------

Brian Pultman discusses why he chose independence over taking a wirehouse transition deal. However, as he candidly shares, building your own RIA is not always a smooth process, yet it resulted in aligning his values while building $1B+ Correct Capital Wealth Management.

“You won't be able to use Alts (alternative investments) if you transition to the RIA model.”“Ok, maybe that's no longer the case….but you won't have access to as many investment options as we have in the large broker/dealer world.”“Well….maybe that's no longer true either, but our large scale gets us better availability/pricing than the RIA space.”“Damn it…..that's no longer true either. You RIA folks now often have better options, pricing, etc. than we do!”This progression is how using Alts in the RIA space has generally played out. While advisors at large wirehouse type firms once had the advantage when it comes to Alts, in most cases it is now the opposite.In this episode (#129) of the Transition To RIA question & answer series, I explain how Alts are used in the RIA model and why it is often to your advantage.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/can-i-use-alternative-investments-as-an-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

On episode 182 of Ask The Compound, Ben Carlson and Duncan Hill are joined by RWM COO and Author Nick Maggiulli to discuss The Wealth Ladder, accounting for inflation in your plans, high net worth planning, career implications around moving, and much more! Submit your Ask The Compound questions to askthecompoundshow@gmail.com! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Subscribe to The Compound Newsletter for all the latest Compound content, live event announcements, find out who the next TCAF guest is, get updates on the latest merch drops, and more! ⁠⁠⁠⁠⁠⁠⁠⁠https://www.thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠ If you're a financial advisor, sign up for advisor-focused content at: ⁠⁠⁠⁠⁠⁠⁠⁠https://www.advisorunlock.com/⁠⁠⁠⁠⁠⁠⁠⁠

Bongani Bingwa speaks to Dr Ria de Villiers, who leads the Education Workstream at Jozi My Jozi about the "Taste of Jozi” taking place on August 3, 2025, the vibrant city of Johannesburg. 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Listen live on Primedia+ weekdays from 06:00 and 09:00 (SA Time) to Breakfast with Bongani Bingwa broadcast on 702: https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/36edSLV or find all the catch-up podcasts here https://buff.ly/zEcM35T Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

High-net-worth individuals often already have a financial advisor, but many aren't receiving the in-depth investment education or portfolio customization they truly need. That's where Monish Verma comes in. He joins the show today to share his strategy for converting HNW prospects into clients, as well as how a tailored approach to alternative investments and client education can become a powerful differentiator for winning (and keeping) affluent clients. Monish is the CEO of Vardhan Wealth Management, a DBA of Summit Financial, based in Farmington Hills, Michigan, that oversees $560 million in AUM for 225 households. Listen in as he shares how his willingness to spend more time upfront educating prospects and clients has led to higher trust, retention, and referrals. You'll also hear how his team carefully vets alternative investments and helps clients understand where they fit in their portfolios, why he encourages mutual “interviews” with prospects to ensure good long-term fit, and how breaking away from the wirehouse world gave him the autonomy to grow his business on his own terms, while still benefiting from shared services by working with an RIA platform. For show notes and more visit: https://www.kitces.com/448

Episode 103:  Brad Shepherd is the President and CEO at Founders Financial, a broker-dealer and RIA dedicated to building purpose-rich, advisor-centric enterprises. With nearly three decades in the industry, Brad blends deep financial expertise with a passionate commitment to helping advisors grow intentional, values-driven practices. His journey from investment rep to executive leader is shaped by strong mentorship, a calling to serve, and a conviction that people—not platforms—drive impact. This week, Kyle and Brad discuss the myth of independence in the financial services industry and the power of interdependence between firms and advisors. They dive into Founders' unique Strategic Enterprise Program, how to scale while staying true to your mission, and why Brad believes staying small and focused can beat the industry's race toward consolidation. In this episode: (00:00) - Intro (02:05) - Brad's money moment (06:38) - Brad's transition from advisor to CEO (10:16) - What sets Founders Financial apart (14:08) - Why advisors want to become independent (17:16) - Founders' Strategic Enterprise Program (SEP) (21:59) - What it means to be a purpose-driven, servant-led financial planning firm (25:27) - Simplifying internal complexity (31:07) - Founders' ideal partners (37:16) - Leveraging technology wisely (43:24) - Brad's outlook on the future of the industry (50:39) - Brad's Milemarker Minute Key Takeaways Independence is a myth—embrace interdependence. Brad challenges the industry narrative of independence, arguing that advisors are rarely truly independent and benefit more from authentic partnerships with firms that share their values and vision. Your business is a reflection of who you are. Founders Financial's Strategic Enterprise Program helps advisors grow with intentionality by focusing on personal vision, values, and leadership—not just platforms and performance. Discipline and clarity create scale. Brad emphasizes the importance of staying focused, saying no to distractions, and aligning every decision with a clear mission. This kind of intentional discipline is what allows firms to scale without sacrificing their identity. Quotes "We actually are not in the independent space. We are in the dependent space. The actual, honest characterization of a relationship between advisors and firms is that we're dependent upon each other." ~ Brad Shepherd "What makes independent advisors great isn't their commodities. It isn't their investment management prowess or their cooler financial plan. It's them." ~ Brad Shepherd "Smart decisions about how you manage and run your business and the right partners to help you do it, using the tools that you now have to the best of their ability, drive the outcomes you seek." ~ Brad Shepherd Links  Brad Shepherd on LinkedIn Founders Financial Michael Brooks Strategic Enterprise Program - Founders Financial Commonwealth Financial Network LPL Financial Docupace 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.

Running Scared Media is proud to present our first episode of Running Buddies where we interview runners from around the world while they train on the trail. Running with us today is Ultra Marathoner Ria Xi who joins us from Porto, Portugal. Ria set an FKT for running across Italy, she ran Egypt's Sinai Desert, and is now training for a run across Western Europe and Eastern Russia. Ria talks about how running helped her learn self confidence, eating copious amounts of gelato and pasta and how running new places around the Earth gives her a greater sense of presence and understanding.You can find Ria on most social media platforms @whereisriaxOr follow her journal on whereisriax.substack.comSupport the showRunningScaredMedia.comVisit our shop to purchase our jogcasts and other merchEmail us at: therunningscaredpodcast@gmail.comFollow us:Instagram @runningscaredmediaTikTok @runningscaredpodcastJoin our FB Running Group

Cocktail-creating entrepreneur Sam Espensen speaks about her love of Young Sherlock Holmes and film at Forbidden Worlds Film Festival, and more! Video version here: https://youtu.be/ep9-7v_D0zQ  Espensen Spirit's social media is all @EspensenSpirit Espensen Spirit has been making exceptional spirits in East Bristol for a decade, and also has a mobile bar & events company, doing everything from weddings to silent reading nights. Sam Espensen is a huge film nerd, and has been partnering with 20th Century Flicks and the Forbidden World Film Festival for several years. Espensen Spirit's website (coming soon): www.espensenspirit.com Find more questions to Sam on Spider-Dan's podcast feed very soon: https://spiderdanandthesecretbores.com  Make sure you check out Dan & Mike's other coverage at FWFF including more interviews (like with Gale Anne Hurd) and their reviews of Battle Beyond The Stars, Orca, She Creature & The Whale God on this feed, and check out Spider-Dan's feed for the other half of their reviews, including Waterworld, The City Of Lost Children, Tremors, Alligator and more: https://www.youtube.com/watch?v=zBGeVcphpNw&list=PLcO1Ib_BGD8Ztm2q8Rs_s6C9MP4nNaV9m&index=1 For more information, visit www.forbiddenworldsfilmfestival.co.uk Check out the special preview episodes Mike & Dan did, where Mike reviewed the 1985 movie Young Sherlock Holmes for the 40th Anniversary of the movie, where a special showing (& cast Q&A) is happening! For Dan's preview episode, he delved into the Waterworld sequel comic; Children Of Leviathan! Star Wars fans must check Mike's in-depth reviews, breakdowns & things you missed episodes of Season 2 of Andor, on any podcast app or on YouTube: https://podfollow.com/starwarschitchat & https://youtube.com/@starwarschitchat All Patreons have been receiving bonus episodes, including reviews on Thunderbolts, Superman III & IV, Venom 3 and more, as well as early access! Support at www.patreon.com/GenuineChitChat or https://ko-fi.com/GenuineChitChat Guest Spots: Another episode of Disney Discussions is out where Mike & Dan spoke about Lilo & Stitch 1 & 2 with Megan, Ria & guest Natalie! https://tinyurl.com/2bs7kker Mike recently reviewed Superman '78, Superman II and the Super/Man documentary on the 20th Century Geek podcast, while Dan spoke about Superman IV! https://pod.fo/e/2bea07 Mike was on Reckless Rebellion to talk about Andor's Prison Arc from S1, listen here: https://pod.fo/e/2c28cc Find all of Mike's social media & other links at https://linktr.ee/GenuineChitChat Please review/rate, subscribe and share – it helps the show out an incredible amount!

Key takeaways include:-Why CRM data should go beyond KYC and track personal life events.-How small CRM details can make or break client trust.-The four-part CRM strategy Sue uses with advisor clients.-Real examples of how automation drives loyalty and referrals.-What to expect in a CRM consulting engagement with Elite and JEDI.Whether you're a solo RIA or part of a larger firm, this conversation will help you rethink how your CRM can drive meaningful client connections - and business growth.

Ria received an amazing birthday gift from Matt (00:00-28:30). Miley Cyrus says she wants to do something special for the 20th anniversary of ‘Hannah Montana' (29:44-35:52). Hans Zimmer to score season 3 of ‘Euphoria' with Labrinth (35:53-41:03). ‘Freakier Friday' press tour (41:04-46:18). Our live interview with Scheana Shay at 92NY - talking her new memoir ‘My Good Side,' her past celeb hookups, Brock Davies' cheating + more! (47:12-1:24:51). Beat Ria & Fran game 182 with Ashley & Abbie (1:25:33-1:47:12). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

In this episode of Real Estate Investing Academy (RIA), hosts Mike and Marcus discuss key questions and insights based on a poll conducted among RIA members. They dive into why finding deals is challenging in the current market, emphasizing the impact of low interest rates and limited seller motivation. The discussion also covers the importance of long-term rental properties for wealth building and strategies to navigate high interest rates and secure financing. Additionally, Mike and Marcus share their thoughts on doubling down in uncertain times, the significance of private capital raising, and strategies for continued success in real estate investing. Tune in for valuable tips and strategies to stay active and profitable in the real estate market. Key Takeaways: 00:52 Challenges in Finding Deals 01:50 Market Dynamics and Seller Behavior 05:25 Importance of Off-Market Properties 07:26 Focus on Landlording 09:40 Long-Term Benefits of Rental Properties 17:31 Creative Financing and Raising Capital 18:43 Challenges in Finding Good Deals 19:41 Raising Private Capital 21:24 Maximizing Opportunities in Real Estate 23:55 The Importance of Doubling Down 25:55 Staying Active and Networking 28:06 Adapting to Market Shifts      

This week's topics include:✅ U.S.–Japan trade deal and what it means for global risk sentiment

On this TCAF Tuesday, Josh Brown is joined by Nick Colas and Jessica Rabe, co-founders of DataTrek Research. They take a look at the current earnings and valuation of the S&P 500 to determine whether or not there is still upside for investors buying stocks today. Jessica points out a nearly perfect parallel between the current AI driven rally and the original Dot Com boom from 25 years ago. Then at 39:57, 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 and Rocket Money. Grow your RIA, your way by visiting: https://Betterment.com/advisors Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/compound today.   Sign up for ⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/ Learn more about your ad choices. Visit megaphone.fm/adchoices

LVW Advisors continues to climb the rankings, and the firm's Founder and CEO Lori Van Dusen has been named the #1 Wealth Advisor in New York State. Van Dusen shares her journey launching the RIA, how LVW Advisors fosters strong relationships with clients, and much more.

Episode 102: Carrie Delgott is the President, COO, and CCO at Wescott Financial Advisory Group. With over 25 years in financial services—including two decades at Vanguard—Carrie brings deep expertise to the evolving RIA landscape. At Wescott, she has helped guide the firm through transformative initiatives like B Corp certification, major acquisitions, and the development of their Life-Minded Wealth framework, all while prioritizing employee engagement, client experience, and sustainable scale. This week, Kyle talks with Carrie about how values and vision can power meaningful scale. They dive into Wescott's journey as a B Corp, their involvement in the Net Positive Consortium, and how their Life-Minded Wealth philosophy puts people—not just portfolios—at the center of everything. Carrie shares lessons from integrating a billion-dollar acquisition, insights on the future of the industry, and why technology, culture, and intentionality are key to building a standout firm in a crowded market. In this episode: (00:00) - Intro (01:48) - Carrie's money moment (04:03) - What B Corp Certification really means (07:21) - Why B Corp matters for RIAs  (09:21) - The Net Positive Consortium and its five pillars (11:45) - What sets Wescott apart (13:09) - Westcott's Life-Minded Wealth philosophy (15:27) - Scaling an RIA with intention (20:32) - Lessons from a $1B acquisition (26:12) - Consolidating tech stacks for growth (29:30) - Carrie's outlook on the future of wealth management (32:57) - Carrie's Milemarker Minute Key Takeaways Growth is about absorption, not just acquisition. Successfully integrating people and culture is just as important as the deal itself. Without alignment, you lose the opportunity for true scale. Values attract top talent. Wescott's B Corp status and purpose-driven approach resonate deeply with next-gen advisors who want to do meaningful work. Scale is relative—and evolving. As the industry shifts, even mid-sized firms must rethink what growth looks like and how to build infrastructure that supports it. Quotes "We're not looking to have technology replace that human interaction, but we certainly are looking for it to make us more and more efficient." ~ Carrie Delgott "Acquisitions are not for the faint of heart. Just because you can afford a practice doesn't mean you can absorb a practice." ~ Carrie Delgott "If you're not going to integrate and you're not going to come to some best practices for how you're going to work on behalf of our clients going forward, then you just lost all of the scale and efficiency opportunities." ~ Carrie Delgott Links  Carrie Delgott on LinkedIn Wescott Financial Advisory Group Vanguard Grant Rawdin Net Positive: How Courageous Companies Thrive by Giving More Than They Take Life-Minded Wealth Salesforce The Psychology of Money 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.

Javier Riaño, experto de IronIA Fintech, ha presentado las carteras rebalanceadas y las carteras modelo, como una funcionalidad que dentro de la plataforma están cobrando más protagonismo y va a ir a más. En Capital Intereconomía, el experto ha señalado cómo con sus herramientas se pueden construir carteras con fondos de inversión, introducir cambios y hacer fácil y simplificar el ahorro y la inversión. El rebalanceo y la Carteras modelo Al hablar de las carteras modelo, el experto señalaba que se trata de una funcionalidad de IronIA Fintech que te permite crear una cartera que “no es real” pero te permite meter colección de fondos que uno mismo decide y el peso que tienen y te da información de cada uno de los productos que tiene individualmente y te crea una rentabilidad histórica de la composición de la cartera. Te permite meter operaciones y hacer modificaciones, y así ver la evolución. La funcionalidad, explicaba Riaño, hace un seguimiento virtual, te permite hacer aportaciones periódicas. Pero entre todas las posibilidades que ofrece, destaca una aplicación práctica y muy útil, rebalancear tu cartera frente a esa cartera modelo. Para irse de vacaciones tranquilo Riaño ha puntualizado que se pueden crear tantas carteras modelo como quieras. Una utilidad que se usa además mucho, señalaba, cuando uno no está pendiente, como cuando uno está de vacaciones y uno está menos pendiente. De forma plástica exponía cómo su herramienta simplifica los cambios que se quieran introducir. Así, señalaba que si se quiere pasar a una cartera más tranquila y pasar de tener por ejemplo 10 fondos, a una más sencilla con un fondo monetario, se puede hacer con el rebalanceo. Se crea una cartera modelo con un monetario, lo que te permite ahorrarte “el proceso tedioso de traspasar uno a uno cada fondo”. Luego, das la opción a rebalancear y el sistema genera las operaciones para acoplarte a la cartera modelo. Clientes activos Desde IronIA Fintech asegura que sus clientes son muy activos y señalaba el uso elevado que hacen de sus herramientas.

In this episode of FinTech Impact, host Jason Pereira interviews Julien Baneux, founder and CEO of RIA Growth Catalyst. Julien discusses the origins and mission of RIA Growth Catalyst, a data platform designed to facilitate M&A activities in the RIA space. They delve into the technology behind the platform, including the use of AI to interpret and analyze massive amounts of data for better decision-making in RIA acquisitions. The conversation also covers how the platform provides significant advantages to both buyers and sellers in the highly fragmented RIA market. Listeners will hear about the challenges, future plans, and the potential for AI to transform the industry. Hosted on Acast. See acast.com/privacy for more information.

Joel Guth shares how stepping out from under the Hightower umbrella to become a fully independent RIA opened up a new world of opportunity for his firm Gryphon Financial Partners. He shares how that transition allows them to create a $3B firm designed around turning client problems into opportunities.

Discover how Concurrent is empowering RIAs with scalable solutions, autonomy, and strategic investments to drive business growth and enhance client service.   In this episode of Sharkpreneur, Seth Greene talks with Nate Lenz, co-founder and CEO of Concurrent, a platform created to support independent wealth management firms. Nate explains how Concurrent has evolved from a consulting firm to a leading force in the RIA space, managing over $13 billion in assets. He discusses how Concurrent helps RIAs grow by providing crucial back-office support, technology, and even minority equity investments. If you're an advisor aiming to expand or shift to independence, this episode offers useful insights into how Concurrent's innovative platform can boost your practice.   Key Takeaways: → How Concurrent helps independent advisors gain the benefits of scale without sacrificing autonomy. → The role of technology, compliance, and operations in enabling advisors to focus on client relationships. → The strategic investment model and how Concurrent is offering minority equity stakes in affiliated RIAs. → Insights into the cultural shift in the wealth management space, with more firms leaving traditional models for independence. → The challenges and rewards of scaling an RIA platform and attracting top talent in a competitive market.   Nate Lenz is the CEO and Co-Founder of Concurrent, a $7 billion OSJ-turned-RIA recognized as an InvestmentNews Best Place to Work in 2023. With over a decade of experience in the financial industry, Nate has built his career around supporting and empowering independent financial advisors to succeed without relying on traditional big-firm backing. Before launching Concurrent, he was Co-Founder and Managing Partner at I&A Consulting, specializing in mergers, acquisitions, and advisor recruiting. Earlier in his career, Nate served as Vice President of Succession Planning & Acquisitions at Raymond James Financial Services, where he led an in-house consulting team supporting more than 4,000 independent advisors. His experiences have fostered a strong commitment to helping advisors grow their businesses and navigate every stage of the entrepreneurial journey.   Connect With Nate: Website Instagram Facebook LinkedIn   Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover how Concurrent is empowering RIAs with scalable solutions, autonomy, and strategic investments to drive business growth and enhance client service.   In this episode of the Registered Investment Advisor Podcast, Seth Greene speaks with Nate Lenz, co-founder and CEO of Concurrent, a platform created to support independent wealth management firms. Nate explains how Concurrent has evolved from a consulting firm to a leading force in the RIA space, managing over $13 billion in assets. He discusses how Concurrent helps RIAs grow by providing crucial back-office support, technology, and even minority equity investments. If you're an advisor aiming to expand or shift to independence, this episode offers useful insights into how Concurrent's innovative platform can boost your practice   Key Takeaways: → How Concurrent helps independent advisors gain the benefits of scale without sacrificing autonomy. → The role of technology, compliance, and operations in enabling advisors to focus on client relationships. → The strategic investment model and how Concurrent is offering minority equity stakes in affiliated RIAs. → Insights into the cultural shift in the wealth management space, with more firms leaving traditional models for independence. → The challenges and rewards of scaling an RIA platform and attracting top talent in a competitive market.   Nate Lenz is the CEO and Co-Founder of Concurrent, a $7 billion OSJ-turned-RIA recognized as an InvestmentNews Best Place to Work in 2023. With over a decade of experience in the financial industry, Nate has built his career around supporting and empowering independent financial advisors to succeed without relying on traditional big-firm backing. Before launching Concurrent, he was Co-Founder and Managing Partner at I&A Consulting, specializing in mergers, acquisitions, and advisor recruiting. Earlier in his career, Nate served as Vice President of Succession Planning & Acquisitions at Raymond James Financial Services, where he led an in-house consulting team supporting more than 4,000 independent advisors. His experiences have fostered a strong commitment to helping advisors grow their businesses and navigate every stage of the entrepreneurial journey.   Connect With Nate: Website Instagram Facebook LinkedIn   Learn more about your ad choices. Visit megaphone.fm/adchoices

After growing her AUM by $30 million in just two years, Misty Lynch has become a go-to financial planning expert for small business owners and families within her community. This is thanks in part to her reputation inside local Facebook groups frequented by her ideal target client, where she rarely promotes herself but is frequently recommended. Misty is the owner of Sound View Financial Advisors, an RIA based in Massachusetts that manages $46 million for approximately 100 households. In this episode, Misty shares how her early content creation efforts (including a blog and a podcast) laid the groundwork for greater visibility and referrals, as well as how purchasing a retiring advisor's practice helped her jump-start firm ownership. You'll hear how she raised legacy client fees while implementing a scalable service model, how leveraging life coaching techniques has deepened her client relationships, and more. For show notes and more visit: https://www.kitces.com/446

This week, David Lau talks with John Thiel, Founder and Executive Chairman of Indivisible Partners. They explore the evolution of financial advising, client-centric service, risk management, and building an innovative, advisor-owned RIA platform designed for growth, customization, and long-term client impact. Learn more at https://www.dplfp.com/series/advisor-revelations-podcast.

Veteran volunteer Kinza Drewett speaks about her time volunteering at The Forbidden Worlds Film Festival, favourite Disney movies, musicals and more! Video version coming soon! Kinza's Instagram: www.instagram.com/kinzaleah Find more questions to Kinza on Spider-Dan's podcast feed very soon: https://spiderdanandthesecretbores.com   Make sure you check out Dan & Mike's other coverage at FWFF including more interviews (like with Gale Anne Hurd) and their reviews of Battle Beyond The Stars, Orca, She Creature & The Whale God on this feed, and check out Spider-Dan's feed for the other half of their reviews, including Waterworld, The City Of Lost Children, Tremors, Alligator and more: https://www.youtube.com/watch?v=zBGeVcphpNw&list=PLcO1Ib_BGD8Ztm2q8Rs_s6C9MP4nNaV9m&index=1 For more information, visit www.forbiddenworldsfilmfestival.co.uk Check out the special preview episodes Mike & Dan did, where Mike reviewed the 1985 movie Young Sherlock Holmes for the 40th Anniversary of the movie, where a special showing (& cast Q&A) is happening! For Dan's preview episode, he delved into the Waterworld sequel comic; Children Of Leviathan! Star Wars fans must check Mike's in-depth reviews, breakdowns & things you missed episodes of Season 2 of Andor, on any podcast app or on YouTube: https://podfollow.com/starwarschitchat & https://youtube.com/@starwarschitchat All Patreons have been receiving bonus episodes, including reviews on Thunderbolts, Superman III & IV, Venom 3 and more, as well as early access! Support at www.patreon.com/GenuineChitChat or https://ko-fi.com/GenuineChitChat Guest Spots: Another episode of Disney Discussions is out where Mike & Dan spoke about Lilo & Stitch 1 & 2 with Megan, Ria & guest Natalie! https://tinyurl.com/2bs7kker Mike recently reviewed Superman '78, Superman II and the Super/Man documentary on the 20th Century Geek podcast, while Dan spoke about Superman IV! https://pod.fo/e/2bea07 Mike was on Reckless Rebellion to talk about Andor's Prison Arc from S1, listen here: https://pod.fo/e/2c28cc Find all of Mike's social media & other links at https://linktr.ee/GenuineChitChat Please review/rate, subscribe and share – it helps the show out an incredible amount!

Tony Parr shares the journey of Parr McKnight Wealth Management Group, a team that built their practice at Wells Fargo Private Client Group and leveraged the firm's independent channels to achieve a “frictionless” launch of their RIA.

We are thrilled to welcome Leslie Zane, to this episode of SEE Change. Zane is the President and Founder of Triggers® Brand Consulting ® and Author of the acclaimed book, 'The Power of Instinct.  Zane is an award-winning marketer, a TEDx speaker, and a leading authority on leveraging the instinctive mind to boost brand and business growth.  Zane's ideas about behavioral science and marketing were dismissed early on but she didn't let that stop her. In 1995 she founded Triggers®, the first brand consulting firm rooted in behavioral science and, together with her team, cracked the code on accelerating brand growth.  Join Annie for a fascinating conversation on Zane's groundbreaking book and how it challenges conventional wisdom in business and brand building. Zane says the old rules were based on the premise that the conscious mind drives decisions. But now that we know the unconscious mind is king, it's time for a new rulebook – one that works with the mind instead of against it. Leslie Zane is an award-winning marketer, a TEDx speaker, and a leading authority on leveraging the instinctive mind to boost brand and business growth. Like many trailblazers, her innovative ideas faced skepticism in the early days. In 1995, she established Triggers®, the first brand consulting firm grounded in behavioral science, and, along with her team, successfully unlocked the secrets to accelerating brand growth.Over the past 25 years, her firm has generated more than $25 billion in incremental revenue growth for Fortune 100 clients.Zane's impressive background includes education from Yale, Harvard Business School, and professional experience with Bain & Company and P&G. She has received accolades such as the Congressional Women of Distinction and the Ogilvy Award. Her insights and work have been featured in prestigious publications, including Knowledge@Wharton, Harvard Business Review, the World Economic Forum, and Newsweek, among others.ABOUT R. Seelaus & Co., Inc. Annie Seelaus is CEO of R. Seelaus & Co., Inc. The firm is 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 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 a 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 New Jersey, Connecticut, Florida, Illinois, North Carolina, and Massachusetts. For more information about R. Seelaus & Co., and its subsidiaries visit www.rseelaus.com

James Conole's firm has experienced explosive growth over the past few years (expecting to double its revenue to more than $10 million in 2025) thanks in part to his YouTube channel, which educates and builds trust with ideal prospects before they ever book a meeting. James is the founder of Root Financial, an RIA based in Encinitas, California, that oversees $1.3 billion in assets under management for 630 client households. In this episode, he shares his YouTube strategy, including how narrowing his content focus to the needs of wealthy pre-retirees and retirees led to fewer views but better-fit clients. Listen in to learn how Root was able to implement a “one-meeting close” with prospects partly due to their familiarity with how the firm operates as well as how the firm systematized client onboarding into a five-meeting process. James also talks about creating the tech-centric “Root University” to ensure consistent advisor training, how his firm builds culture in a remote-first team, and what comes next as the firm continues to scale. For show notes and more visit: https://www.kitces.com/445

In this episode, we sit down with Steve Tenney, CEO of Grandview and Company, to explore his remarkable journey from Morgan Stanley Asset Management to launching his own RIA and ultimately coaching firm owners. Steve shares lessons from four decades in the industry, including how to standardize processes, delegate wisely, and unlock sustainable growth. Key Topics Covered: Steve's early career path through London, Boston, and New Hampshire Founding an RIA with Dynasty Financial Partners Why Steve pivoted from client work to coaching other RIA owners The real bottlenecks in RIA growth: customization and inefficiency Delegating with intention and playing to your strengths Why managing energy is as important as managing time The mindset shift that helps advisors fall back in love with their work Whether you're an RIA owner looking to scale or a solo advisor feeling stretched too thin, this episode offers practical strategies to streamline operations and build a business that runs with (not on) you. === Connect with Steve: Email: steve@grandviewandco.com Website: https://grandviewandco.com LinkedIn: https://www.linkedin.com/in/steventenney/   About the Model FA Podcast   The Model FA podcast is a show for fiduciary financial advisors. In each episode, our host David DeCelle sits down with industry experts, strategic thinkers, and advisors to explore what it takes  to build a successful practice — and have an abundant life in the process. We believe in continuous learning, tactical advice, and strategies that work — no “gotchas” or BS. Join us to hear stories from successful financial advisors, get actionable ideas from experts, and re-discover your drive to build the practice of your dreams.  Did you like this conversation? Then leave us a rating and a review in whatever podcast player you use. We would love your feedback, and your ratings help us reach more advisors with ideas for growing their practices, attracting great clients, and achieving a better quality of life. While you are there, feel free to share your ideas about future podcast guests or topics you'd love to see covered.  Our Team: President of Model FA, David DeCelle If you like this podcast, you will love our community! Join the Model FA Community on Facebook to connect with like-minded advisors and share the day-to-day challenges and wins of running a growing financial services firm.

On episode 198 of The Compound and Friends, ⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠ is joined by Joe Fahmy and Shay Boloor to discuss: where we are in the market cycle, the outlook for AI stocks, how Apple got left behind, the next Mag 7, the bull case for Tesla, and much more! This episode is sponsored by Betterment Advisor Solutions and Rocket Money. Grow your RIA, your way, with Betterment Advisor Solutions. Learn more at https://www.betterment.com/advisors  Cancel your unwanted subscriptions and reach your financial goals faster with Rocket Money. Go to https://rocketmoney.com/compound 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

You know Ria and Fran from their hit podcast, Chicks in the Office — and this week, they're stepping into the LadyGang universe for a hilarious, no-holds-barred convo you won't want to miss. We're discussing all things Ladyworld, our personal takes on the infamous labubus and whether peel-off lip liner is a revolutionary beauty hack or a sticky disaster waiting to happen. Plus, bloomers are back (???) and we have thoughts.We have summer deals for YOU!!BetterHelp: LadyGang is sponsored by BetterHelp! Get 10% off your first month at BetterHelp.com/ladygangOld Navy: Need summer activewear? Shop in store OR online at OldNavy.comGruns: Need multivitamins gummies? Get up to 52% off with code LADYWORLD at Gruns.coELF: Get your Halo Glow Powder Filter for ONLY $14 at elfcosmetics.comSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.