Podcasts about Ria

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

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

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

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

PlayStation gana terreno al permitir jugar más de 2.800 juegos en la nube sin necesidad de tener una consola PS5.  Por Félix Riaño @LocutorCo  Escucha el Flash Diario en SpotifySony actualizó el PlayStation Portal para que sus usuarios jueguen directamente desde la nube, sin una consola. Con esta jugada, PlayStation supera a Xbox en su propio terreno: el juego en streaming. Ahora, los suscriptores de PlayStation Plus Premium pueden acceder a miles de títulos en cualquier lugar con conexión Wi-Fi.  PlayStation anunció la llegada oficial del juego en la nube a su dispositivo portátil PlayStation Portal. Desde este 5 de noviembre, los jugadores pueden disfrutar de miles de títulos de PS5 sin tener la consola. Entre ellos están Astro Bot, Grand Theft Auto V, Resident Evil 4 y Final Fantasy VII Rebirth. Esta función, exclusiva del plan Premium de PlayStation Plus, ofrece transmisión directa desde los servidores de Sony y un catálogo superior al de Xbox Cloud Gaming. ¿Está PlayStation preparándose para dominar también el juego en PC y la nube?  ¿Xbox ya no es el rey del juego en la nube? Durante años, Sony y Microsoft compitieron por tener la mejor consola. PlayStation 5 logró vender más de 50 millones de unidades, mientras Xbox se enfocó en servicios como Game Pass Ultimate y su plataforma en la nube. Pero ahora, la historia cambia. Con esta actualización, el PlayStation Portal se convierte en un dispositivo realmente independiente: permite jugar sin consola, desde cualquier lugar con buena conexión. La interfaz fue rediseñada y ahora incluye tres secciones: “Remote Play”, “Cloud Streaming” y “Buscar”. Además, añade sonido 3D, compras dentro del juego y opciones de accesibilidad.  Este avance pone presión sobre Xbox. Hasta ahora, Microsoft mantenía la ventaja con Xbox Cloud Gaming y su programa Play Anywhere, que permite comprar un juego una sola vez y usarlo tanto en consola como en PC. Pero las filtraciones indican que Sony también prepara un sistema de “Cross Buy”, es decir, una compra única entre PS5 y PC. Si eso se confirma, PlayStation igualará e incluso superará la estrategia de Xbox. La diferencia principal está en el catálogo: la plataforma de Sony cuenta con más de 2.800 juegos disponibles para streaming, mientras que Xbox ofrece alrededor de 2.100.  El nuevo enfoque de Sony parece claro: ampliar su ecosistema sin depender del hardware. El PlayStation Portal, que costaba cerca de 200 dólares y antes servía solo como accesorio del PS5, ahora se convierte en una consola portátil para jugar títulos de última generación en cualquier parte. Incluso permite recibir invitaciones multijugador y hacer compras dentro del juego sin salir de la sesión. Aunque Xbox sigue ofreciendo ventajas como Game Pass Ultimate y compatibilidad total con Windows, su estrategia de eliminar exclusividades podría jugarle en contra. Mientras tanto, Sony gana terreno con funciones que acercan la experiencia del PS5 a cualquier pantalla.  El éxito del Portal sorprendió a Sony: fue el accesorio de videojuegos más vendido en Reino Unido en julio de 2024, con cerca de dos millones de unidades. Con la llegada del streaming oficial, el número de usuarios podría crecer mucho más. Este cambio también prepara el terreno para la próxima generación: se rumorea que el futuro PlayStation 6 tendrá dos versiones, una de sobremesa y otra portátil, ambas listas para streaming. En cambio, Microsoft planea integrar su siguiente Xbox con Windows y Steam, lo que podría fragmentar su catálogo. El mercado de los videojuegos parece entrar en una nueva fase donde el hardware ya no es lo más importante.  PlayStation Portal ya puede jugar miles de títulos de PS5 sin consola y supera a Xbox en la nube. ¿Estamos ante un nuevo futuro sin hardware? Comenta tu opinión y sigue escuchando Flash Diario en Spotify.  PlayStation Portal ya permite jugar más de 2.800 títulos en la nube sin consola. Xbox pierde su ventaja en streaming.  

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

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

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

Meld je nu aan voor ons live-event op vrijdag 21 november in Utrecht, via centre-erasme.nl/eventDe wereld staat in veel opzichten in de fik. We hebben te maken met razendsnel veranderend klimaat – in ecologische, maatschappelijke, politieke en geopolitieke zin. Al deze ellende kan voor een onrust zorgen in je persoonlijke leven. Het slechte nieuws buitelt over je heen, de onzekerheid is groot. Hoe hou je je te midden van al dat geweld staande? Hoe zorg je dat er ruimte blijft voor je eigen persoonlijke ontwikkeling? Moet je je afsluiten voor alles wat er om je heen gebeurt? Of moet je je nu juist radicaal engageren met de wereld? “Wanneer men de kracht voor de kleine dingen heeft, heeft men ze ook voor de grote,” schreef Etty Hillesum. Zij leefde als Joodse vrouw in de Tweede Wereldoorlog en werd op 29-jarige leeftijd vermoord in Auschwitz. In haar brieven en dagboeken lezen we over haar zoektocht naar persoonlijke groei en verbinding met de wereld, en tegelijk spelen op de achtergrond alle gruwelijkheden van het nazisme zich af. In deze aflevering van de Podcast Filosofie kijken we naar het innerlijk leven en de buitenwereld door de bril van Etty Hillesum. Dat doen we in samenwerking met het Titus Brandsma Instituut en stichting Socires. Samen met Inigo Bocken ontvangt Allard Amelink in deze aflevering Ria van den Brandt. Zij is als onderzoeker en supervisor werkzaam aan de Faculteit der Filosofie, Theologie en Religiewetenschappen van de Radboud Universiteit.

El visitante vuelve: El cometa interestelar 3I/ATLAS reaparece con datos nuevos y un cambio de velocidad que intriga a la NASA.  Por Félix Riaño @LocutorCo  Escucha todos los días el Flash DiarioDespués de pasar oculto tras el Sol durante octubre, el visitante interestelar 3I/ATLAS volvió a escena con novedades que están desconcertando a la comunidad científica. NASA ha confirmado que el objeto cambió su velocidad y trayectoria de forma que no encaja con las fuerzas conocidas. Al mismo tiempo, su color se tornó azul brillante y su brillo aumentó más de lo esperado. En este episodio vamos a repasar qué se ha descubierto desde su paso por el perihelio, qué está analizando la NASA y cuándo podremos volver a observarlo desde la Tierra.  El 29 de octubre, el cometa 3I/ATLAS alcanzó su punto más cercano al Sol. Los observatorios que siguieron su paso registraron un aumento repentino de luminosidad y un cambio de color: de verde a azul. Pocos días después, NASA confirmó algo más extraño aún: una aceleración no gravitacional, un impulso que lo movió fuera de su ruta calculada.Los científicos del Laboratorio de Propulsión a Chorro publicaron que el objeto avanza ahora a unos 245 000 kilómetros por hora, un incremento difícil de justificar solo con la acción del calor solar. Harvard, la Agencia Espacial Europea y el Instituto Coreano de Astronomía están revisando la información más reciente mientras el cometa vuelve a hacerse visible antes de continuar su viaje fuera del sistema solar.  Volvió… y ahora se comporta de forma imposible.  Las nuevas observaciones provienen de telescopios en Chile, Sudáfrica, Australia y del James Webb Space Telescope, que captó un halo azul a su alrededor. El análisis espectral indica una proporción inusual de dióxido de carbono ocho veces superior al agua, y presencia de níquel metálico en niveles que no existen en cometas del sistema solar.La luz de 3I/ATLAS muestra además una polarización negativa extrema, un patrón de vibración que no se había visto antes. Para el astrónomo coreano Moon Hong-kyu, esto sugiere que el cometa se formó en una región de temperatura extremadamente baja, muy diferente de cualquier entorno cercano al Sol.Las observaciones también confirman que su núcleo mide unos once kilómetros y que la masa ronda los 33 000 millones de toneladas, lo que lo convierte en el objeto interestelar más grande jamás detectado.  El comportamiento de 3I/ATLAS ha abierto un debate científico y político. La congresista estadounidense Anna Paulina Luna pidió a la NASA publicar las imágenes tomadas por la cámara HiRISE del orbitador de Marte y por el rover Perseverance, captadas cuando el cometa pasó a unos 30 millones de kilómetros del planeta rojo.Al mismo tiempo, Avi Loeb, físico de Harvard, enumeró diez anomalías en su trayectoria, entre ellas la aceleración no explicada, la luz polarizada, el cambio de color y una coincidencia angular con la dirección del famoso “Wow! Signal” de 1977. Según sus cálculos, la probabilidad de que todos estos fenómenos ocurran por azar es del 0,005 %.Mientras tanto, en internet proliferan teorías sin evidencia que lo describen como una nave o una esfera de materia oscura, pero la NASA insiste en que no hay señales de tecnología ni amenaza para la Tierra.  Lo comprobable es fascinante por sí mismo. La NASA detectó un aumento de velocidad justo después del perihelio, seguido de una ligera desviación en la órbita. El fenómeno podría deberse a chorros de gas que actuaron como un “empuje natural”, aunque no se ha observado la cantidad necesaria de material expulsado.El James Webb realizará en diciembre una nueva campaña de observación para buscar una nube de gas y polvo que confirme o descarte esa hipótesis. Si no la encuentra, los astrónomos tendrán que revisar las explicaciones actuales sobre la dinámica de los objetos interestelares.Por ahora, lo único seguro es que 3I/ATLAS sigue acelerando y alejándose, y que el 19 de diciembre estará en su punto más cercano a la Tierra: unos 270 millones de kilómetros.  El cometa se podrá observar desde el hemisferio norte en las madrugadas de diciembre con telescopios de al menos 30 centímetros de apertura. Los mejores momentos para buscarlo serán antes del amanecer, hacia el horizonte este.La Agencia Espacial Europea, a través de su misión JUICE, también tiene programadas observaciones entre el 2 y el 25 de noviembre desde la órbita de Júpiter. Se espera que esas imágenes, junto con las de NASA y KASI, permitan comparar la composición de 3I/ATLAS con los cometas Borisov y ʻOumuamua, los otros dos visitantes interestelares confirmados.Mientras tanto, los equipos científicos coreanos destacan que su alto contenido de níquel y la escasez de agua apuntan a un origen en una zona fría del disco grueso de la galaxia, quizá un remanente de material primitivo expulsado hace millones de años desde un sistema estelar extinguido.  3I/ATLAS sigue sorprendiendo a los astrónomos con cada nueva observación. Su cambio de velocidad y su color azul brillante plantean preguntas abiertas sobre cómo se comportan los objetos interestelares. El 19 de diciembre será su punto más cercano a la Tierra. Puedes seguir su recorrido en tiempo real en “Eyes on the Solar System” y en Flash Diario.  El cometa 3I/ATLAS reapareció con color azul y velocidad inexplicable. NASA lo estudia antes de su paso cercano en diciembre.  

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

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

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

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

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

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

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

La actualización que no apagaba el computador finalmente tiene solución: Microsoft corrigió un error que existía desde hace más de una década: el botón “Actualizar y apagar” no apagaba el computador, sino que lo reiniciaba.  Por Félix Riaño @LocutorCo  Escucha más historias tecnológicas en Flash Diario.  Durante años, millones de personas en todo el mundo pulsaron “Actualizar y apagar” creyendo que su computador se apagaría después de instalar actualizaciones. Pero al volver al día siguiente, la pantalla de inicio seguía encendida o la batería del portátil se había agotado. Ese fallo, presente en Windows 10 y 11, acaba de ser reparado. Microsoft incluyó la corrección en la actualización opcional KB5067036, publicada el 28 de octubre de 2025, y anunció que llegará oficialmente a todos los equipos con el parche del 11 de noviembre. ¿Por qué tardaron tanto en arreglar un problema tan básico?  No era un error nuevo: duró más de diez años.  El fallo afectaba a las versiones modernas de Windows desde 2015, cuando apareció Windows 10. El problema se encontraba en el botón “Actualizar y apagar”, que debía instalar las actualizaciones pendientes y luego apagar el equipo. Pero en muchos casos, el sistema realizaba el proceso de actualización y al final reiniciaba el computador, como si el usuario hubiera elegido “Actualizar y reiniciar”.Según Windows Latest, este bug se mantuvo durante años sin reconocimiento oficial. Solo hasta ahora, con las versiones Windows 11 25H2 Build 26200.7019 y 24H2 Build 26100.7019, Microsoft confirmó haber solucionado la causa interna del fallo. En palabras de la empresa: “Se corrigió el problema subyacente que podía impedir que ‘Actualizar y apagar' realmente apagara el PC después de actualizarlo.”  Durante casi una década, este comportamiento frustró a millones de usuarios. En portátiles, podía ser más grave: la gente dejaba el equipo actualizando antes de dormir y al día siguiente encontraba la batería completamente agotada, o el ventilador encendido toda la noche.El problema no se debía a un mal clic del usuario. No era que las personas confundieran el botón “Actualizar y reiniciar” con el de “Actualizar y apagar”. Era un error del sistema operativo, probablemente una condición de carrera o un conflicto dentro del Windows Servicing Stack, el conjunto de procesos que gestiona las actualizaciones.El sistema necesitaba reiniciar en una fase llamada “servicio sin conexión” para reemplazar archivos bloqueados, pero luego olvidaba la instrucción final de apagado. Así, tras completar las actualizaciones, arrancaba de nuevo y quedaba encendido. Fue una de las quejas más frecuentes en foros de usuarios durante años.  Microsoft lanzó la solución en octubre de 2025 como parte de una actualización opcional, y la incluirá en el parche general del martes 11 de noviembre. La compañía no explicó públicamente la causa exacta del fallo, aunque expertos creen que se trataba de un error heredado desde Windows 10, posiblemente relacionado con el sistema de inicio rápido (Fast Startup).El parche KB5067036 garantiza que al elegir “Actualizar y apagar”, el equipo realmente se apague. Además, Microsoft confirmó un cambio en la manera de nombrar las actualizaciones: a partir de ahora, los nombres serán más simples y comprensibles, sin tantos códigos ni números confusos. Este cambio busca hacer más intuitivo el proceso para los usuarios comunes.Aunque este bug ya quedó atrás, todavía hay otros pendientes, como el error de controladores 0x80070103, que Microsoft reconoció y aún no ha podido resolver del todo.  El error de “Actualizar y apagar” fue uno de los más reportados en toda la historia de Windows, y demuestra lo complejo que puede ser el proceso de instalación de actualizaciones del sistema. Al instalar parches, Windows necesita reiniciar para completar tareas en una fase llamada offline servicing, en la que reemplaza archivos del sistema que no pueden modificarse mientras está activo.Durante esa fase, aparece la clásica pantalla azul con el mensaje “Trabajando en actualizaciones” y un porcentaje de progreso. Al final, el sistema debía apagarse, pero quedaba encendido. Según TechPowerUp, la instrucción de apagado se perdía por una “condición de carrera” o un conflicto de tiempo.Ahora, con la actualización 25H2, Microsoft afirma que el botón “Actualizar y apagar” finalmente hace lo que promete. La comunidad de usuarios lo celebra como un cierre simbólico a una década de frustraciones tecnológicas.  Después de más de diez años, Windows por fin apaga cuando debe hacerlo. El bug de “Actualizar y apagar” ya tiene solución definitiva en Windows 11. Si aún no has recibido la actualización, revisa Windows Update y descárgala. Escucha más historias tecnológicas en Flash Diario.  Microsoft arregló un error de más de 10 años: el botón “Actualizar y apagar” por fin apaga el computador.

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

La superluna de noviembre será la más grande y brillante de 2025, visible junto a lluvias de meteoros.  Por Félix Riaño @LocutorCo Sigue escuchando el pódcast Flash Diario en Spotify y comparte esta historia con quienes disfrutan del cielo nocturno.  El cielo de noviembre va a ofrecer uno de los espectáculos más impresionantes de todo 2025. La Luna alcanzará su punto más cercano a la Tierra y se verá hasta un 14 % más grande y un 30 % más luminosa. Coincidirá con lluvias de meteoros, el paso de un cometa visible a simple vista y un reciente destello verde en Moscú. Todo esto convierte este mes en una oportunidad única para mirar hacia arriba y redescubrir el cielo nocturno.  Pero el cielo de noviembre trae más sorpresas que la Luna.  El 5 de noviembre, la llamada Luna del Castor —o Beaver Moon— alcanzará su punto máximo de brillo. Este nombre proviene de las antiguas comunidades nativas de América del Norte, que observaban a los castores construir sus presas justo antes del invierno. Este año, ese mismo fenómeno natural será además la superluna más grande desde 2019, y la segunda de una serie de tres consecutivas que cerrarán 2025.A las 13:19 UTC del 5 de noviembre (8:19 a. m. en Colombia y México), la Luna estará a solo 357 000 kilómetros de la Tierra, lo que provocará que se vea mucho más grande cuando aparezca por el horizonte al atardecer. Quienes la observen desde un punto alto o junto al mar verán cómo su color se torna dorado y, al subir en el cielo, ilumina el paisaje con tanta intensidad que incluso proyectará sombras suaves sobre el suelo.  La belleza de esta superluna también tendrá un efecto curioso: hará más difícil observar las lluvias de meteoros Táuridas, activas justo en esos días. Esta doble cita astronómica —la Luna más brillante y una lluvia de estrellas que deja “bólidos” lentos y luminosos— generará un espectáculo desigual, porque el resplandor lunar puede opacar las luces fugaces del cielo. Aun así, los observadores más pacientes podrán distinguir algunas de esas bolas de fuego cruzando la noche.Al mismo tiempo, otro fenómeno ha capturado la atención mundial: una enorme bola verde que iluminó el cielo de Moscú el 27 de octubre, justo cuando las Táuridas y las Oriónidas alcanzaban su máxima actividad. Los astrónomos sospechan que se trató de un meteoro de gran tamaño que se desintegró al entrar en la atmósfera, liberando magnesio y níquel, responsables del color esmeralda. Esa coincidencia entre meteoros y la inminente superluna convierte este mes en una verdadera temporada de fuego y luz sobre la Tierra.Después de la superluna, el cielo seguirá activo. El 8 de noviembre aparecerá el cometa C/2025 A6 (Lemmon), visible incluso sin telescopio en zonas oscuras. Este visitante proviene del remoto Cinturón de Kuiper y no volverá a pasar cerca del Sol en más de mil años. A simple vista se verá como una mancha verdosa ascendente al oeste, poco después del atardecer.Una semana más tarde, entre el 11 y el 12 de noviembre, las Táuridas del norte ofrecerán nuevas estelas de fuego, y hacia el 17 y el 18 será el turno de las Leónidas, con meteoros más rápidos y brillantes. El 20 de noviembre la Luna se convertirá en una micro Luna nueva, casi invisible, y el cielo quedará oscuro otra vez, ideal para observar galaxias y planetas. El 21, Urano alcanzará su oposición, y el 29 la Luna se acercará a Saturno, cerrando el mes con un encuentro sereno de luces doradas en el firmamento.  Según la NASA, una superluna ocurre cuando la Luna llena coincide con el perigeo, su punto más cercano a la Tierra en su órbita elíptica. Puede parecer hasta un 14 % más grande y brillar un 30 % más que una Luna común. Este fenómeno fue descrito por primera vez en 1979 por el astrólogo Richard Nolle, y desde entonces se ha convertido en uno de los eventos astronómicos más esperados.La Luna del Castor también tiene una raíz ecológica y cultural. Marca la época en que los castores, tanto en América del Norte como en Europa, se preparan para el invierno. En el Reino Unido, su nombre coincide con la tradicional Bonfire Night, una noche de hogueras y fuegos artificiales que este año tendrá de fondo la superluna más brillante del año.Mientras tanto, el destello verde sobre Moscú recuerda que la Tierra atraviesa nubes de escombros cósmicos cada año. Esas lluvias de meteoros son restos de cometas antiguos. En este caso, las Táuridas provienen del cometa 2P/Encke, y las Oriónidas, del famoso cometa Halley. Todo esto forma parte del gran ciclo de materia y energía que mantiene viva la danza del cosmos sobre nuestras cabezas.  Noviembre llega con una superluna dorada, lluvias de meteoros y un cometa milenario. Es el momento ideal para mirar al cielo y recordar que la Tierra viaja acompañada por una coreografía de luces y sombras.La superluna más brillante del año llega este 5 de noviembre, junto a meteoros, un cometa y cielos espectaculares.  

A new episode of Money Wise this week dives into a record-setting week on Wall Street, where all three major indexes pushed higher despite political gridlock in Washington - wiith the Dow, S&P 500, and NASDAQ all closing at new all-time highs. Despite the government shutdown stretching toward record length, the markets showed little concern, illustrating that investors remain focused on earnings and fundamentals rather than politics. The conversation turns to the latest Consumer Price Index (CPI) data, which came in slightly cooler month over month, reaffirming hopes that inflation continues to trend in the right direction. The Money Wise guys debate whether the Federal Reserve's long-standing 2% inflation target is still realistic, pointing out that historical averages suggest 3% may be a more natural long-term level. They also examine continued challenges in housing, where higher mortgage rates and nervous buyers have led to slower activity, but emphasize that overall consumer sentiment remains surprisingly resilient. The guys also tease an upcoming discussion on gold's rapid rise and why investors should approach the “shiny metal” with caution despite its strong recent performance. A Goldilocks Market  A “Goldilocks market” describes an economy that's not too hot and not too cold, one where growth is steady, inflation is manageable, and the Federal Reserve isn't under pressure to raise or cut interest rates dramatically. This balance creates an environment that's often ideal for investors, as companies can grow earnings without the headwinds of high borrowing costs or runaway inflation. In weeks like this, when market data comes in “just right,” it reassures investors that the economy remains stable, supporting confidence and momentum in both stocks and broader market sentiment. In the second hour, the Money Wise guys explore RIA vs. Broker. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

On episode 215 of The Compound and Friends, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ are joined by Stephanie Roth, Chief Economist at Wolfe Research, to discuss: the economy, tech earnings, the Fed, the wealth effect, AI and the labor market, and much more! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Sign up for The Compound Newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Choosing a custodian to hold your client assets is one of the most important decisions you'll make when transitioning your practice to the RIA model.While it might at first seem as simple as picking from the “Big 3” (formerly “Big 4”) custodians, the reality is there are close to a dozen custodial providers to potentially choose from.Differentiators amongst them include: AUM minimums, pricing, approach to technology, value proposition, service offerings, etc.In the latest episode (#135) of the Transition To RIA question & answer series I discuss how these variables will factor into your custodial decision.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-is-the-best-custodian-to-use-with-your-ria/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

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

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

En Capital Intereconomía hemos puesto el foco en Nvidia, protagonista del día en el Radar Empresarial, donde la compañía vuelve a marcar tendencia en el sector tecnológico y en el comportamiento de los mercados. Además, hemos conversado con Javier Riaño Sierra, de IronIA Fintech, sobre las carteras modelo con composiciones históricas, una herramienta que permite analizar la evolución pasada de las inversiones para detectar patrones útiles a la hora de invertir en el presente. Riaño ha explicado cómo la inteligencia artificial y la volatilidad actual están influyendo en estos modelos, y qué riesgos y recomendaciones deben tener en cuenta los inversores particulares. En el Foro de la Inversión, nos ha acompañado Asier Uribeechebarria, director de Caser Asesores Financieros, para hablar sobre el tercer Foro de Agentes Financieros, que se celebra el 30 de octubre. Uribeechebarria ha detallado los factores diferenciales del modelo de Caser Asesores Financieros, su apuesta por la innovación, la tecnología y la cercanía con el cliente, así como los objetivos de crecimiento de la firma, que ya gestiona casi 750 millones de euros. La jornada ha concluido con el consultorio de fondos, con Alberto Loza, responsable de Selección de Producto de Norwealth Capital, quien ha resuelto dudas sobre oportunidades de inversión en un contexto de máximos bursátiles y alta sensibilidad a los movimientos de la Fed.

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

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

Send us a textOn this episode of The Get Ready Money Podcast, I spoke with Cameo Roberson and Kari Ellis, co-authors of Beyond the Broker, about how women can find success in financial services by embracing independence, leaning into their purpose, and harnessing the power of their networks.

Podcast Show SummaryOn this episode we welcomed the fabulous Genevieve Bellaire, Founder and CEO of Realworld, a tech startup designed to assist Gen-Z in transitioning to adulthood. Realworld offers guidance on various life topics often overlooked in school, such as finances, healthcare, and taxes.  Genevieve says that when she started Realworld, she wasn't trying to build a startup, she was trying to solve a personal problem: Why is life as an adult so overwhelming? She shares anecdotes about the challenges and triumphs she has faced along the way, underscoring the importance of adaptability in the rapidly changing tech landscape and how she and her team are leveraging AI and the multitude of ways that it can be incorporated into the tool.  Hear about the evolution of Realworld from its inception as a comprehensive educational platform to its current state as an innovative AI-driven app. Annie delves into Genevieve's vision for the future, exploring how Realworld plans to expand its offerings and further empower young adults to navigate the complexities of modern life with confidence and ease.Tune in to hear about the entrepreneurial spirit that drives Genevieve and her team, as well as valuable advice for aspiring entrepreneurs looking to make their mark. Whether you're a recent graduate, a young professional, or simply interested in innovative solutions for adulthood, this episode promises to be both enlightening and inspiring!!About Genevieve BellaireAbout RealwordAbout R. Seelaus & Co., Inc. R. Seelaus & Co., Inc. was founded in 1984 by Richard Seelaus, originally as a municipal bond broker-dealer. The firm has since become a certified women's business enterprise ("WBE") and has grown into a full-service financial firm that is mission driven in its commitment to creating more opportunities for women in the financial services. R. Seelaus & Co., Inc. and its subsidiaries offer investment advisory, asset management, capital markets, brokerage, fixed income and equity trading, institutional sales, leveraged finance and insurance services. The R. Seelaus & Co., LLC subsidiary is a broker dealer registered with the SEC and member of FINRA, and the subsidiary Seelaus Asset Management, LLC, is an SEC Registered Investment Advisor ("RIA"). With various fixed income trading desks and more than seventy professionals, both entities serve individuals, families, public and private companies, non-profit organizations, and institutional investors. The firm has offices in NJ, CT, New Jersey, Connecticut, Illinois, South Carolina, and Massachusetts. For more information about R. Seelaus & Co., and its subsidiaries visit www.rseelaus.com

BIO: Sandra Van OpstalEXECUTIVE DIRECTOR AND CO-FOUNDER OF CHASING JUSTICESandra Maria Van Opstal, a second-generation Latina, is Co-Founder and Executive Director of Chasing Justice, a movement led by people of color to mobilize a lifestyle of faith and justice . She is an international speaker, author, and activist, recognized for her courageous work in pursuing justice and disrupting oppressive systems within the church. As a global prophetic voice and an active community member on the west-side of Chicago, Sandra's initiatives in holistic justice equip communities around the world to practice biblical solidarity and mutuality within various social and cultural locations.https://chasingjustice.com/sandra-van-opstal/ Giving in Chicago: https://newlifecenters.org/ Ordg to follow in chicagohttps://www.icirr.org/ Tshirt https://secure.qgiv.com/for/peoplearenotillegalt-shirt/Danielle (00:09):good afternoon, y'all. I have a second video coming to you from my dear friend and colleague in Chicago, Humboldt Park area, a faith leader there that collaborates with the different faith communities in the area. And she's going to talk about some ways she's personally affected by what's happening by the invasion there and how you can think about things, how you might get involved. I hope you'll join me in this conversation and honor yourself. Stay curious, honor, humanity, get involved. Take collective action. Talk to your own neighbor. Let's start caring really well for one another.Oh wow. Sandra, you know me. This is Jenny McGrath. This is my colleague. She's a bible nut. She wrote out the Bible How many times?Like scripture nut and a researcher, a therapist and purity culture, kind of like Survivor, but did a lot of work with women around that. And we talk a lot about race and current events. And I restarted my podcast and I asked Jenny if she'd want to join me. She has a great love for justice and humans and making a difference. So that's kind of how Jenny joined up with me. Right. Anything else you want to say?Sandra, I saw your post on social media and I was like, I could do that. I could contribute to that. And so that's what I'm here to do. Want to hear about your experience. What does resilience look like for you all over there? What do you need from us? How can we be a part of what's happening in Chicago from wherever we are? And if there's practical needs or things you want to share here, we can also send those out.Yeah. Can you tell us a little bit about who you are, what you do, where you're located in Chicago, and just a little bit even about your family, if you're willing?Sandra (01:40):Yeah, sure. So it's great to be with you guys. I'm Sandra Van Opal and I'm here on the west side of Chicago in a neighborhood called Humble Park. It's if you see in the news with all that's happening, it's the humble Hermosa, Avondale kind of zone of the ice crackdown. Well, let's not call it a crackdown. The ice invasion(02:06):Here in Chicago. I am the daughter of immigrants, so my mom is from Columbia. My father was from Argentina. They came to live in Chicago when they were in their twenties and thirties. They met in English class, so they were taking TOEFL exams, which is an exam you take in order to enter into college and schooling here in the US to show your language proficiency. And so they met learning English and the rest is history. I grew up here. I've lived here my whole life. I'm raising my family here. I'm married. I have two kids that just turned 11, so they're in fifth grade and sixth grade. And the school that they go to is a primarily immigrant school immersion, Spanish immersion. So it's a school where you take classes basically 90% in Spanish when you start and you move every year a little bit more English until you graduate when you're 50 50.(03:03):And so the school context they've been in has been receiving a lot of new neighbors, a lot of new classmates. And for that reason, actually most of their classes are still almost fully in Spanish, so they should probably be 60 40 right now. But I think a lot of their curriculum is still in Spanish, or the children have the option of having the math book in Spanish or English if they want it. If they're supposed to be English Spanish, or sorry, English math this year, then they might choose to have a Spanish book even if the instruction is in English. So that's the context I live in. I am here. I live in a home. I have chickens and a garden, and I love to be outside watching my neighbors and connecting with people. And we have a black club in our community, so a lot of our information that we're sharing with each other is through our email list and our signal group. Yeah. Oh, also what I do, I run an organization called Chasing Justice, which is focused on the intersection of faith and making the world a better place. And I am a local pastor and author on issues of worship and justice. So that's my function in this world.Danielle (04:31):I think we talk about what's happening in one sense, it seems like social media and other ways like Zoom, we're on a screen with Zoom and we're all in three different locations right now. We think of ourselves as really connected. But then when tragedy strikes or trauma or an invasion, for instance, strikes, we're connected, but it seems like we're also disconnected from one another and the practical needs and storytelling on the ground, and what does resilience look like for one person versus another? Or what does survival versus thriving look like for one person versus another? And how do we kind of join together and form a collective bond in that? I've been thinking a lot about that after I read your post Sandra on Instagram and what does that mean for me? And just as I'm talking, what does that mean for you or what are thoughts that come to mind for you?Sandra (05:27):Yeah, I am think I remember what posts you're referring to, but I think part of it is whenever something happens in our world, I believe that because of the highly digitally connected world that we're in, it feels like we are all supposed to say something. That's how we respond. Something happens and we all go, that's not right, which I think is good, we should say that, but I think the frustration, I'm sure people in LA and DC felt that, but it's like something is happening in your real life every day to your neighbors and everybody all around the country is commenting on it and commenting with such confidence and commenting with such expertise, and you're like, wait a minute. That's not how I would say that. And I think the reason that maybe that post came up for me as a kind of, it was less frustration and more sorrow, I think it felt more, more sorrow that the people that are most impacted by the issues are not the ones that are given the voice to talk about how those systems of oppression are impacting them. And I think the reason I think about things like that is I remember when I first started pastoring locally here. I mean, I had been working for a parachurch organization doing national and international work. I really felt like it was time for me to become a local pastor to understand, hey, if I'm going to be writing to pastors and speaking to pastors and challenging pastors, I should probably know what it's like to be one. And so I was supposed to be a five year stint, which ended up being 12 years pastoring locally.(07:08):And in my discussions with my staff team, I would often have one of them very respectfully, I was the executive pastors in a community with hierarchy. So they would very respectfully say, Hey, your friends that are out there blogging and writing articles and books, they're talking about stuff in ways we would never talk about it. They're talking about it in a tone that we would never use to talk about our situation and with words we would never use to describe our situation. And it's not that my friends maybe didn't have a perspective, it's that it didn't reflect their perspective. And so I think I became very sensitive to that, paying attention to, oh, how do expert justice people talk about issues of justice versus the people that are most impacted by those issues of injustice? Or how do people from within a community express their journey in ways that maybe even have a different tone than mostly anger that was coming out from the justice space?(08:10):And they're like, we wouldn't say it that way. We wouldn't talk about it that way. So I think because of that, it's really important when something happens in a local space and it is impacting us all nationally, national news, that we ask the question, how can I hear the voices of the people that this is most impacting? And so that's why I think I wrote that post. I was like, A lot of y'all have a lot to say about Chicago who don't live here and thank you, but no thank you. Invite us to talk for ourselves, invite us to speak for ourselves because there are local pastors and priests and imams and mental health providers who are experiencing this in a very real way that they probably could shed some light on what would be helpful to us. I called a bunch of friends in Los Angeles when things were happening there, and I was like, oh, how are you guys doing?(09:05):What's really happening? How can we help? If you don't have time to reply back, just know that I'm here praying for you, and I'm like with you and I'm sending money to the orgs. I see you posting and don't know what else to do. Obviously, the ice raids are impacting all of us across the country, but they're impacting each city in very different ways. Each city is a very different city with a very different ethos and a way of handling things. And as you guys know, Chicago is the best. I'm so proud of us right now. I'm so proud of us. We're like, no, you can't talk to us like that. No, you can't have our streets. But it also gets us into trouble because it's rooted in our philosophy of community organizing, though the linsky method, which is agitation, agitation, agitation. So we have stuff to learn too. But that's what you're seeing in Chicago is a lot of agitation. But yeah, that's why I wrote it. I wrote it like, I know 20 community leaders you could talk to here in Chicago that would give you a good idea of what we're experiencing and what would be best for us if you wanted to come alongside of us and help in prayer. So yeah.Jenny (10:27):Yeah, I think just a sense of wanting to hear more, whatever you feel. Well, and whatever feels safe to share in this podcast setting of just what it has been like for you to be on the ground in the community that you're in, in the roles that you're in with the family you're in. I just find myself curious about your experience.Sandra (10:52):Yeah. Okay. So I think about this in three different areas. One is, how is this impacting me as a parent, the other in my family and connected to family members. The other one is how is this impacting me as a neighbor? And then the other is, how is this impacting me as a civic leader, as a faith leader here? And so the hardest one has actually been, as a parent, if I could be honest with you, it's really been hard. Those of us that have raised kids, especially younger children or well all children, they each have their own season of development. But raising kids and being a village for children right now I think is really hard. They've gone through lockdown, George Floyd protests, watching multiple genocides, a war in Ukraine, and now this locally. And I believe in talking to your kids about what's happening and talking to them about it in ways that is appropriate for their age. So that has changed for me since my children were five when the pandemic started and now they're 11. That has changed for me what that looks like.(12:32):But there are many families, dozens of families in their school that have not returned since the ice raids have started. Their friends are missing from class. Ice has repeatedly been around their school. Ice has been on our corner where we grocery shop, get tacos, go to therapy. My son asked me the other day, will they throw me on the ground? If they see me, will they throw me on the ground? And this is one of my sons already struggles a lot with anxiety and he has anxiety, and he's also a black child. And so he's already been processing being black in the context of law enforcement in our city and what's happened. And so I think he kind of went through that season and he's like, so will they throw me on the ground if they see me? And I'm like, no, buddy. They're not going to. Hopefully there's enough cameras around that they'll throw you on the ground.(13:42):And so I think trying to figure out how to answer those kinds of questions. How can we think about our friends? How can we pray for our friends? We've done a lot more prayer in the 15 minute commutes to and from school, I think just for very specific needs that our neighbors are going through. And neighbor that I live in close proximity to the other day was running an errand and was detained by ice and was let go on the spot in the parking lot of the Home Depot, but its someone our kids know really well and helping them to process that. Their friend, a neighbor has gone through this, I think requires a different set of parenting skills and I believe are in most parenting books.(14:48):And so I find myself almost, man, I wish there was a resource for that man. I wish there was a place to talk about that. Let me talk to my neighbor about how they talk to their kids about that. And for those of us that come from Latino cultures, we don't really talk about hard things a lot. We're not really taught to talk about them. It's like we endure them and we go through them, but we don't give them space for processing. And so both of my children are in therapy. I don't know what they talk about in therapy, probably girls and love interests and bullying and all the rest of the things that kids talk about, but I think they probably unpack some of what they're going through with their friends. They are also wanting to make a difference. So we're trying to figure out what does that look for them to make things good in the community they live in.(15:42):So that's the first area is parenting. I don't know if you guys have anything to add advice to give me on that, but I think the hardest thing for me is what do we do with our children? What do we do with a generation that is growing up, watching their government step over so many boundaries, doing things that are completely illegal or unethical or dangerous for our society and feeling like, Hey, we're living in a time, I know a lot of people posted the quote from Ann Frank talking about what was happening in their streets. And I'm like, yeah, my kids are watching that. And I don't know how they're processing it or where they see their faith in the midst of that. I mean, luckily we have an amazing church. We talk about stuff like that all the time. So I mean, yeah, the mayor goes to our church and the pastor's an amazing person, and we have lots of civic leaders and law enforcement in our church. So I think they're watching, they're able to have some mentorship in that area, I think because spoken about from the pulpit, but man, being little must be really hard right now.Danielle (17:09):Maybe we don't need to press too fast, even though we're in a podcast right now. I think it bears the weight of just a little bit of space to just hang with that comment. I have older kids than you. As recently, I told my 20-year-old son who we are not suffering yet, the street raids. For some reason, Seattle hasn't been the focus point yet, but he did lose his federal aid and his Pell grants and everything for college this year. And so him and a lot of other kids had a significant do have a significant college tuition to make up. And we were talking about it and I was like, well, this will be the normal for you. This will be what's normal. This will be what's normal for our family. And my husband actually stepped in and said to me in a moment of despair and lament, because my son wants to be a music teacher.(18:21):He said to me, he's like, but you always tell me nothing's impossible. We can figure it out. And I was like, yeah, I do say that, but I don't believe it right now. He is like, well, he's like, I believe it right now. So I don't know what it looks like to come up with an extra for us. It's an extra $6,000, so we don't have the money yet, but what does it look like? But I think it goes back to that sense of finding some balance with our kids of what's real, what's not giving. What I hear for you, Sandra, and I'm kind of fumbling through my words, so maybe Jenny can step in, but offering our kids the validation of their reality that's so important in age appropriate and the different steps we're in the validation of reality. But I also find myself searching and grasping for where's the hope? Where are the strands of faith for our family? Where are the strands of hope searching for? Like you said, what are the practical actions your boys can do that also kind of I think plant seeds and generate hope in their hearts when we can step out and do actions?Sandra (19:43):Yeah. No, I think the hard part is I can't promise them things will get better. I can't promise them there's going to be an end to genocide in Palestine. I can't promise them. I keep telling everyone, when we pray at night and we talk about our days and stuff, and I just tell 'em, we, my husband and I tell 'em, and the only thing we can promise you is that God is with us. And I think the reality is when you've had proximity to our global siblings, that suffering didn't just start two Octobers ago or even for our own families. The suffering as my African brother once told me at a conference, he said, what do you mean when we suffer? Life is suffering and suffering is life. Or if we suffer, someone said, yeah, if we suffer, it's like some pretty from the west if we suffer.(20:35):It's like no, life is suffering and suffering is life. So I think part of it is we have within our story as people who follow the Jesus way, we have a story of people who have really always suffered. The story of scripture is a story of marginalized, persecuted, displaced people that are wandering in a land looking for home. And in those stories, you find God's presence with them. You find the worship of their creator. You find moments of joy, rhythms of feasting and fasting. You find all the traditions we do now that come out of the story of the people. So I can tell them, baby, I can only promise you that God is with us the same way that God was with, we go through the stories and the same way that God has always been with the black church in America, the same way that God has always been with our Latino community, the same way that God is with our siblings in Gaza, God is with us.(21:35):And so it doesn't take the pain away, but we can know that God is there. I try to teach my kids, lemme tell you, this is so bad parenting. Sorry, you can cut this out if you need to. But the other day we were praying for our country and I said, God, I just pray. Pray for Trump. I pray God, either you would change his heart or you would help him to go to sleep and just not wake up tomorrow. And then my son was like, I can't believe you prayed that prayer. Mom, I can't believe you said that. That's such a bad prayer. I was like, have you read the Psalms?(22:12):I was like, tonight, let's read a psalm. I'm going to read to you what David prayed for his enemies. And just because the Bible calls us to love our enemies and to see them as human does not mean we cannot pray that they will fall asleep. And so I said, I'm not saying I'm going to do anything bad. I know my phone's listening to me right now. I'm not saying I'm going to take matters into my own hands. I'm just saying I wouldn't be sad. That's all. And he's like, he just could not get over it because, and he just kept digging. Papa, Papa would never pray a prayer like that. He would never, I said, Papa hasn't read the Psalms. I read the Psalms. I know exactly what the Psalms say. And I was like, and the thing is because God is for good, because God is against evil and because God knows my heart, he knows God knows how much I love him, and I'm asking him to please take this evil away from our neighborhood.(23:04):Please take this evil away from our country. Please take this evil away. We're living in evil times, Terry. These are bad times. And this is not only a bad person. This is somebody that's raising up all of the badness to be allowed. And so I'm going to pray that prayer every day. And I know that you think it's not good, and I'm so sorry, but tonight we'll read the Psalms. Then that night we read some Psalms. I was like, see what David prays for his enemy. I said, and the thing is, God is there with us in our prayers. He's not like, what? I can't believe she cussed. I can't believe she said that bad. I can't believe she want to be friends with this guy that's too evil. And so I think part of it's processing faith with them. It's like, I don't know what kind of, let's just talk about Jesus and what he said. Let's talk about what the Bible models for us and prayer. Let's talk about It's okay to be mad. It's okay. It's okay to want evil to end. It doesn't mean we take things into our own hands, but it's okay to want the evil to end. And so those are the kinds of conversations where I go home, I'm like, okay, let me just look at my stuff. Is that wrong? Is that theologically correct? I called my husband. Do you think this is theologically okay? Am I mal forming our children? But I feel like it's an okay prayer, isn't it an okay prayer? Those are the kinds of things that are happening. I don't know,Jenny (24:37):I mean, I am not a theologian, but I think it's an okay prayer to pray. And I'm just thinking about, I've had two thoughts going through my mind, and one of course I couldn't and wouldn't want to put on some type of silver lining and be like, kids are going to be fine. They're resilient. And something that we say in the somatic trauma world a lot is that trauma isn't about an event. It's often about not having a safe place to go in the midst of or after an event. And what I just keep hearing is you making yourself available to be a safe place for your kids to process and reimagine what moving through this moment looks like. And also holding that in families that are being torn apart, that don't have those safe places to go in this moment. And I think part of what we're experiencing is this term, the boomerang of imperialism, as you said, these are not new things happening to families all over the world. And the ricochet of how we are now experiencing that in the heart of the empire, where I find my sense of hope is that that is the sign that the snake is eating its head and it will collapse. And I believe in rebirth and regrowth and hope that we can create a world that is different than a world that builds empires that do this to families. And as where my mind goes.Sandra (26:39):Yeah. And I think for ourselves, for our children, for in the work that I do with chasing justice with activists, it's like the only thing I can do, I'm not going to be able to change the world. The only thing I can do is change the little world that I'm in. So what can I do to make a difference and make things good in the world that I'm in? And so it boils down to very, very practical, tangible, embodied unfancy. Things like calling your neighbors and checking in on them to see if they need you to take their kids to school, finding out if everybody got home, okay. When there was a raid in a particular area, asking, or not even asking, but dropping food off for people and saying, Hey, we made a grocery room. We just thought we'd pick up some essentials for everybody.(27:27):Because part of it too is how do you do that without asking your, how do you help your neighbor without asking your neighbor their status? And that's not appropriate. And how do you help your neighbor without assuming they don't have money or making them feel like some kind of project? And so I think part of it is figuring out how to practice mutual aid in ways that are communal that just says, Hey, we picked up this. We figured this week we'd drop it off to five different families, and next week we'll do five other families. Who knows if they need it or not, but at least they know you're thinking of them. I think something you said about trauma, which I think is really important when you work in communities where you have communal, collective, complex generational trauma, which is we're just always living in this.(28:19):I have status, so I don't worry about leaving my home. I also am white. I'm a white Latina, so I'm not like, well, maybe they'll pull me over. Well, I don't know. But I know if I was browner my other family members that would definitely be like, please carry a copy of your passport and your ID at all times. But now I don't leave the house without, I used to leave the house with my keys and my phone, maybe a wallet. I don't know where a wallet is. Now I'm like, oh, I better have my ID on me(28:48):Mostly because if I intervene, I'm afraid if I get arrested, I won't have ID on me. But I think about all the ways that you have to leave the house differently now. And this is for people that they already felt vulnerable in their TPS, in their temporary protective status status or in their undocumented status or in their green card holder status or whatever status they had, that they already felt vulnerable in some way. And now if they don't go to work, their family doesn't eat, so they leave the house. But how do they leave the house? If you go to school every day and you're wondering if your parents are going to pick you up because now you're aware you have this emergency family plan, what does that feel like day in and day out, decade after decade to feel vulnerable? That kind of trauma is something I don't understand in my body, though I understand it as a concept.(29:47):It's the trauma of feeling vulnerable at all times of sending your kids out into the world. And because our US Supreme Court and because our government has decided it's okay to racially profile people, so I keep telling my mom, you better not be speaking Spanish at Target. She's bilingual. I'm like, please do not speak Spanish at Target. Do not open your mouth. And I would never have said that ever in the past, super proud of being a Latina and being bilingual, but I'm scared for my mom. And so I'm checking in on family members who have vulnerable status. I'm trying to find out if everybody's okay. So I think there are, it's like I told my husband the other day, and the car was like, can you imagine having this kind of fear day in and day out for decades at a time in a country and building a life?(30:44):And all of a sudden, many of our DACA recipients or young undocumented folks that are in college, all of a sudden they're not going to finish their degree. They're now in a country they don't even know. They didn't grow up there in a language they don't understand or their spouse is missing. And now they don't know if they're in Swatee, they don't know if they're in Mexico. They don't know where they are. And so I think that, I don't know that I fully understand what to do about that as a neighbor or as a pastor, but to say there must be something within the community like some gift or strength or accessing that helps them endure that kind of trauma when they cannot reach out for help.(31:44):My brother also told me the other day, he's an ER doctor. He's like, man, the county ER is so empty right now because people go to the county hospital for services when they don't have insurance. And many, many of them are Asian, south Asian, Latino, and African immigrants, and now they're not going or Ukrainian or Russian or whatever. So now it's emptiness and churches. Some of our churches are used to be 300 people now. There's like 40 people on a Sunday. So the reporting that I'm hearing from, whether it's the hospitals or just the stores, if you drive down our street, it's like empty nest. It is never empty. There's always people walking around on the street, whole family is going grocery shopping now. There's just nobody out. It's like a ghost town. Nobody's leaving unless they have to leave. And so it changes the feel of a community. It changes the environment. People that need access to healthcare aren't going for their follow-up appointments or their treatments because they're afraid to go to the hospital. People that would normally go to law enforcement if there's domestic violence or something happening, which already would feel very, very difficult to do, are unwilling to do it because they're afraid to leave and afraid to report to any law enforcement. Even in a sanctuary city.(33:18):I don't know what's happening to these families that aren't going to school. I'm assuming that the school has some kind of e-learning doing for them or some kind of packets they're making for the kids in the meantime while they're missing school. But there's all these things that daily rhythms of life that aren't happening. And so for many of us are like, I don't feel like going to church today. Oh, well, I feel like I'm many Sundays. I don't feel like going to church for other people, the privilege of attending worship in a congregational setting is something they'd love to have that they just can't access anymore. And so there's all these things that have changed about our daily reality that I don't know if we're going to fully understand how that's impacted us until years from now. We just don't see an end to it. We're not sure when this is going to end.Danielle (34:13):I have a flurry of thoughts going through my mind as you're speaking. One is when I did a consult with my analyst that I consult with, and we were talking about anxiety around different things with clients, and she was like, well, that's not anxiety, that's terror. And this person should feel terror because that's the reality.(34:45):That's not a pathology. So that's number one just in the therapy world, we don't want to pathologize people for feeling this terror in their bodies when that's actually the appropriate response. When immigration is sitting outside on your street, you should feel terror. Your body's giving you the appropriate warning signal. So I think about just even the shortcomings of Western psychological frameworks to address what's happening. We can't pathologize. It's not about prescribing enough medication. It's not about that. I do think you're right. I think there's some sense of, I've even felt it in my own body as you talk, a sense of, I'm going to engage what Sandra's saying and I'm also going to separate myself just enough in case that happens in Seattle so I can be just distant enough. So I got to get up, I got to eat. I got to feed my kids, I got to make sure everything's happening, got to go to work.(35:40):So I can almost feel it happening. As you describe it, we call it dissociation in psychology world, but in my analyst world, she would call it a psychic retreat, which I really like. Your psyche is kind of in a battle. You might come back from the front line to preserve yourself. And that's kind of how I think of the collective mentality a bit come back from the front lines in certain ways. So you could preserve, I need to eat, I need to sleep, I need to drink some water. I need to breathe air. So that's one thing I'm thinking about that's maybe collectively happening on multiple levels. The other thing I'm thinking about is if you're listening to this and you're in a body, even mine, a same as you, like a light-skinned Latina, white Latina, and our family has a lot of mixed identities and statuses, but if you're not in one of these situations, you can help mental health by going out and getting shit done.Sandra (36:50):Yes, absolutely. Get it done, get it done, get it done. It's like show up, put yourself. I think that's half the battle is how do we show up in spaces? I think white folks have to ask themselves. That's why all the protests, it's like, yes, it's diverse, but it's a whole lot of white people.The reason is because a lot of black folks, brown folks, vulnerable folks, we're not going to put ourselves in a position where we can have an encounter with law enforcement. So one of the things I have to say, talking about church, one of the things our pastor said the Sunday before, not the No Kings, but the immigration protest, it was like maybe a month ago, he said, listen, some of us should not be at that protest because we have a record, because we are prone to be maybe, what is it called? Oh my gosh, we're prone to be singled out by the police. We should not be there. We should pray. We should stay at home. We should host people when they come back and feed them. We should not be there. Others of us, we should be there. And you know who you are.(37:55):And so I think that's part of the discernment, which I think that's literally, it's half the conversations I'm having with people is should my children go to this protest? I fully intended to go to the No Kings protest with my full family, all of us. And I also saw these amazing alternatives like a rally for families and children. And so all these parks all over the city of Chicago, which again, were an amazing city, they had all these alternatives for if your child, someone in your family does not do crowds well, right? You're immunocompromised or you have anxiety, or I thought about, oh, maybe we shouldn't take my son to this protest. Maybe he's going to actually get an anxiety attack. Maybe we should go to this. So we had all those options till the very last minute we're decided to go to Kids Rally, but there were options for us to show up.(38:43):So when you can show up, show up if your neighborhood, there's a ton of activities in, I hope other cities are doing this too, but they're packing these little zines and these little whistles and they're telling people what to do. It's like, okay, now there's this Instagram blast about, oh, the ice is over here, and everyone shows up in their cars and they all honk their horn. You can show up in a neighborhood, honk your horn, you can blow a whistle. And we're fully intending to give away free whistles for every person that buys. The people are not a legal t-shirt for chasing justice. We're like, have a whistle. Get ready. If anything, even if you never blow that whistle, no ice in your town, you're trying to show people that I'm prepared. I'm prepared to raise my voice for you. I'm prepared to show up for you.(39:34):And so it ends up being maybe an artifact or a symbol of our willingness to ally if the time should come. But yeah, some of us, we have more privilege and showing up because I definitely have two lawyers in my speed dial right now because my husband knows that I'm prone to show up in spaces and say things that maybe will get me in trouble. So we had a meeting with a lawyer three weeks ago. He's like, please tell me what to do if my wife gets arrested or if something happens to a neighbor or he's just prepared our community block club emails and texts and signal threads. We have rapid response ready things that are rapid response. So it's like, Hey, where do you see something? I see this is the license plate. Here's a video. I saw just even informing people and praying alongside of one another.(40:29):So we have this group of pastors we gather called Pastors Rabbis and Imams called Faith Over Fear. And so in this group, someone posted like, look at Ice was heavily in our neighborhood. They said arrests that were made or the people that were detained. This is the situation, let people know. So we're just letting people know this is what's happening. Teaching people to use their phones to record everything and anything they can always being ready to show up. So I'm the type of neighbor that would anyway, if I would see law enforcement pulling over a young black or brown man, I would pull the car over and I would get out of my car and I would say, hi, I am Reverend Sandra and I'm here. I live down the street. I'm wondering if everything's okay. Here is everything. And the reason is just to show them that I'm watching. They said, no, everything's fine. I said, okay, I'm just going to sit in my car. Let me know if you need something because I'm letting them know that I'm watching.(41:37):And so I think part of it is the accountability of a community. And I love to see the walking school buses, the ride shares that parents are doing the grocery dropoffs because you can't stand in the food pantry line anymore. The GoFundMe's for particular legal fees, the trying to utilize your networks to find out if you can figure out what district or what holding location you, your loved one would be in offering mental health services. Like, Hey, here are the three organizations that do group therapy or circles or there's going to be a meditation and yoga thing offered at this center. A lot of them have a lot of embodied practices too. So I think those things are great. But yeah, we still have to, we're still living life. We're still submitting book reports for school, we're still having birthday parties and christenings, we're we still black and brown communities have been living through trauma for so long, they can't stop living.(42:53):So the question is how do we invite one another to more wholeness in our living, within our own communities, and then how do we help one another? This is affecting everybody. It's affecting not only Latino communities and not only Asian immigrant communities, but it's also affecting black communities because there's more enforcement and they're not more law enforcement and they're not necessarily targeting black communities, but where there are brown communities, sometimes there are black folks also. And so it's impacting them in just the militarization of our city. I mean, everywhere you go, there's just people marching with weapons and it could be Michigan Avenue in the shopping area downtown near the Bean, or it could be in our communities. And so I think how people are trying to, I think a city like Chicago, because it's got such a rich tradition of community organizing and community development and advocacy, I think it's very set up for what can I do in my world for my neighbors?(44:08):And then for those of you that aren't in Chicago, I think knowing which organizations are doing fantastic things, I think that's really helpful. Within the faith and justice space, I think organizations like New Life Centers that are kind of spearheading some of the new neighbors initiatives already, but they're doing this whole care system for, they're already new neighbors from Venezuela, Ecuador, and Central America who are now more vulnerable. And so they have systems in place for that. There are organizations live free Illinois who are doing more of the advocacy, raising awareness stuff. I can give you a couple, I can put in the show notes, but I think there's organizations that are doing fantastic work. Some people are just, I have a friend who's in Houston who's just like, there's a refugee family who's vulnerable right now and I need to take them groceries. Who wants to give Venmo?(45:06):Me? I think you have to trust your friends aren't going to go out for a nice rooftop beverage and 300, $400 later. Then there's groceries for this. So it's like you may not know anyone, but you may know someone who knows someone who's vulnerable. And so maybe you just are giving money to, or maybe you, I've had people send me money and be like, Hey, maybe someone who needs something. And I'm like, great. And we little, we put it cash and we put it in our car and when we need it, we help a neighbor who's in need. I think I'm calling our friends to, another one I thought of was calling our friend, inviting our friends to action. So sometimes I don't think it's that we don't want to do anything or that we're unwilling to do something. It's that we just feel so stunned. So that news that came out this week in Houston about the 15-year-old autistic boy who was taken by ICE and who has the capacity of a 4-year-old, and I was thinking about him all day long. So I just started pinging all of my friends in Houston and Austin and Dallas. I was like, anybody in Texas? I have a lot of friends in Texas. I'm like, not just, Hey Texas, do something directly. Sending it to them and saying, what have you done?(46:28):Is there a number you can call? Can you gather your small group? They're always asking, I don't know what to do. I don't know what to, I'm like, so I was like, I have something for you to do, and it's in Texas. I'm like, do you know what's happened to this kid? Is he back at home? Can you do something? Is there a GoFundMe for the parents? So I think when we're activated in small things, we develop the discipline of just being activated in general. So it's like if there's a thing that somebody invites you to give to and you give to it, then you get into the practice of giving.(47:06):If you don't start well, then where is it going to happen? So we're thinking right now, I dunno about you guys, but there's nothing in me that wants to do anything fancy right now. I rest for sure. We went to Michigan, we walked around, we took hikes. It was great. It was super free because we stayed with a friend. But there's nothing in me that's like, let me just plan a fancy vacation right now. It's not in me. And I think part of it is, it's almost like a detoxing from an American consumeristic way of seeing celebration and rests. I don't need fancy things to have rest. I don't need, doesn't have to be expensive. I don't know who came up with this. And I think it's a sensibility in us right now, and I've talked to a couple of friends about it, but it's like it's a sensibility in us that feels like it's really tone deaf to start spending a whole lot of money right now when there are so many needs in the world. And no, we can't give away our whole salaries, but we might be able to give more. For example, I don't think our friend should be saying, Hey, my son can't go to college this year. He needs $6,000. I think somebody in our friend groups could be like, actually, I am getting a bonus of $12,000. I'm going to give you three. We should be able to do that for those of us that have access.(48:27):And there are many people who have access, many other people who think they don't have money, but they do. And I think if we invite each other to say, Hey, I want to give to this person's legal fees, or I want to give to this person's college fund, or I want to give to will you give with me? And we are practicing then the kind of mutual aid that's collective that I know our grandparents did for the Latino culture, it's like the RIA system where y'all put the money in every month and every Monday the month. So it's like Koreans do it too. It's like everybody gives a hundred dollars a month and all goes into this pile and every month that pile of money moves around. So it's like our way of providing, I think there's a lot more we could be doing with our money that would give integrity to our voice. And I see a lot of talking and not a lot of sharing.Danielle (49:34):It's so true. It's a lot of talking and it's like, I think we have to get over that old white supremacy norm. If you see somebody on the street, you got to buy them food. You can't ever give them cash. That story rings through my mind as a child and just sometimes you just got to load up the cash, send someone cash for dinner and send someone cash for, I don't know, whatever they need, a bus fare or an airplane ticket or find the miles in your community if someone needs to fly somewhere. Just all these things you're talking about, we kind of have to just get over the hump and just say, Hey, people need help. Let's just go help.Sandra (50:12):And for some of us, I think it's particularly of those of us within our community that are no longer congregating at a local church. I don't know. Did you think the tithe justI think the call to generosity is still there. Whether you want to call your church a local formal traditional church or not, I would hate, I would've hated in our season that we were churchless to have stopped giving out would've been a significant amount of money that would've stopped going out. We still got salaries that year. Well, at least Carl did. Carl got a salary. So I'm like that invitation to generosity, at least at the bare minimum, at the bare minimum, 10% at the bare minimum that should be going out. And so the question is, what did all of us that left churches do with our 10% not to be legalistic because really we should be giving more. The question is, what am I allowed to keep? And for people making six figures, you need to be asking yourselves, why do you need six figures if you don't? Because most of the people, even in places like Seattle and Chicago, are living off of $50,000 a year. So I think as much as we need to ask our government to do well and be integrous in their budget, I think we need to think about that as a place of, and I say that not because I think it's going to solve the problems in Chicago, but I think that money does actually sharing does actually help some people. They haven't eaten.(52:06):They just haven't eaten. We know families whose kids don't eat.Jenny (52:19):Just thank you. It's been really important and meaningful to have your voice and your call to action and to community. I don't take lightly sharing your story and how it's specifically showing up in your community and in your own body and in your own mothering. So thank you for speaking to how you are practicing resilience and how we can think more about how to practice that collectively. It's been really, really good to be here. I am sorry I have to jump off, but thank you Danielle. I'll see you all soon.Sandra (53:23):Yeah, I mean even if you were to think about, you may not be able to provide for anyone, but is there someone in your ecosystem, in your friend group that could really use four sessions of therapy that doesn't have the finances to do so? Or that could really use sessions of acupuncture or massage therapy that doesn't have the money for it, it doesn't have insurance, and of someone who's willing to work with you on that as far as providing that for them. So I think even at that level, it's like if we had to put ourselves in someone else's shoes and say, well, what I want for someone, how would I want for someone to help me without me asking them? I think that is the biggest thing is we cannot, I don't believe we can rely on a person's ability to say what they need.(54:27):I mean, you've had stuff happen in your life. I've had health issues in my own family and problems with my family, and when people are like, oh, how can I help? I'm like, I can't think about that right now. But if a plant shows up at my house that is bringing me joy. Someone just sent me a prayer plant the other day. It's literally called a red prayer plant or something. I was like, yes, I love this. Or if someone buys dinner for my family so I don't have to cook for them, I can't stand up right now. Or if someone said, looks in on me and says, Hey, I know you guys can't be out and about much, so I just wanted to give you some funding for a streaming service. Here you go. Whatever they use it for, that's up to them. But I think to let someone know that you're thinking about them, I think is easy to do with baking something for them, sharing something with them, taking their kids for a few hours.(55:31):Because what if they just need a break from their children and maybe you could just watch their kids for a little bit, pick them up, take them to your house, watch them for a little bit. So I think there are ways that we can practically help each other that again, will make a world of difference to the person that's there next to you. And as always, calling your senators, writing letters, joining in on different campaigns that organizations are doing for around advocacy, checking in with your local city officials and your parent teacher and your schools, and figuring out what are we doing for the kids in our school even to be informed as a neighbor, what is it that our school's doing to protect our families and children? I think those are all good questions that we should always be doing and praying for people and praying specifically. We do that as a family. I think sometimes I don't know what else to do, but to say God to help.Danielle (56:35):Yeah, I mean, I have to go now, but I do think that's kind of key is not that God isn't going to intervene at some point practically, I think we are that active prayer answer for other people we're that answer. I'm not saying we're God, but we're the right. Yeah. Yeah. And just to step into that, be that answer, step into loving when it says, love your neighbor actually doing it and actually showing up and maybe loving your neighbor isn't bringing them dinner. Maybe it's just sitting down and listening to how their day went. Maybe you're not a therapist, maybe you're just a friend. Maybe you're just a community member, but you can sit in and you can hear how rough it was for that day and not take up your own space emotionally, but just be there to listen and then give them a hug and hang or leave. There's a lot of ways to show up and yeah, I'm challenged and want to do this more, so thank you. You'reSandra (57:36):Welcome. Thanks for having me.  Well, first I guess I would have to believe that there was or is an actual political dialogue taking place that I could potentially be a part of. And honestly, I'm not sure that I believe that.

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

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

On this TCAF Tuesday, Josh Brown is joined by Nick Colas and Jessica Rabe of DataTrek Research to discuss: the key to understanding Q3 reporting season, the seasonality of S&P highs, a financial analysis of Big Tech, and more! Then at 39:40, hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors   Sign up for ⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Guest: Lisa M. Gomez the Former Assistant Secretary of Labor for Employee Benefits Security at USDOL Potential topics: A mix of industry, regulatory, and cultural developments. Key retirement plan topics include growing litigation concerns impacting DC plan services, new CIT offerings aimed at reducing small business 401(k) fees, and the ongoing battle over the DOL fiduciary rule, the DOL's reversal of crypto investment guidance. A law firm facing penalties for sharing confidential information, and Empower signaling potential RIA acquisitions.... and Taylor Swift.

Come Back to Love® Radio: Money Clarity and Confidence for Women Summary: Robyn Vogel and guest Tatiana Sunik, a fiduciary wealth advisor and Certified Divorce Financial Analyst, explore how women can gain clarity, confidence, and control over their finances. Drawing on her 23 years in wealth management and personal experience with divorce, Tatiana shares practical strategies for aligning money decisions with life values. Together, they discuss the emotional side of money, the importance of early financial conversations, and how proactive planning can reduce stress and create long-term security and freedom. Topics Covered: Tatiana's journey from wealth advisor to empowering women through finance The emotional and historical factors that keep women disconnected from money The role of values-based financial planning in creating clarity and confidence How early financial conversations can prevent conflict and strengthen relationships Strategies for building security: automation, retirement planning, and long-term care Bio: Tatiana Sunik, CFP, CDFA is the founder of Hera Financial and a Wealth Advisor with Forum Financial LP, dedicated to guiding individuals and families through life's most pivotal transitions with clarity and confidence. With over two decades of experience at leading firms including Smith Barney, Raymond James, and Klingman & Associates—a $4 billion boutique RIA recognized by Barron's and Forbes. Tatiana offers institutional-grade expertise in executive compensation, retirement strategies, tax planning, and multigenerational wealth transfer. A CERTIFIED FINANCIAL PLANNER professional and Certified Divorce Financial Analyst®, she combines technical fluency with a personal mission to empower women to own every chapter of their financial story. Fluent in English, Russian, and Ukrainian, and a classically trained pianist, Tatiana brings both global perspective and creativity to her practice, inspiring clients to approach their financial future with resilience, clarity, and confidence. Website: https://www.herafin.com/event-list Free Gift: Coffee with a CDFA® Learn more about Robyn here: https://www.comebacktolove.com

What if you could scale your advisory firm without rushing to hire and manage a full team?In this episode, we talk with Michelle Wong, founder and CEO of Nifty Advisor Support, about how solo and small RIAs can build lasting capacity through remote support, strong processes, and a culture-first approach.Michelle shares how Nifty grew from a pre-COVID launch to supporting more than 60 firms today, and how the rise of remote work changed the way advisors handle client service, marketing, and operations. She explains Nifty's two main ways of working with firms: ongoing support that feels like a dedicated team member, and short project sprints designed to solve specific problems.We also cover the “Nifty Fit” framework, which focuses on matching both technology and communication style so advisors avoid costly hiring mistakes.Michelle opens up about the real bottlenecks that hold firms back—piled-up service work, inconsistent follow-up, and operational debt—and how her team helps fix them. She also introduces the Nifty Lab, a community where advisors and ops pros share templates and ideas before committing to ongoing support.If you're a fee-only or fee-based RIA thinking about outsourcing, this episode gives you a clear roadmap for what to delegate first, how to measure success, and how to reclaim your time.Social and Website:https://www.linkedin.com/in/hellomiwo/https://www.niftyadvisorsupport.com/

In this episode (#134) of the Transition To RIA question & answer series we expand upon five critical ways advisors can make mistakes when transitioning their practices to the RIA model, and how to avoid them:Not thoroughly researching the RIA model to understand if it is a fit for your practice;Not thoroughly researching your options of how to transition into it;Misjudging your client loyalty;Not getting proper legal advice on how to navigate the departure from your current firm;Not following a time-tested approach on how to navigate a transition successfully.Come take a listen!P.S. Prefer video? You can find this entire series in video format on Youtube. Search for the TRANSITION TO RIA channel.Show notes: https://TransitionToRIA.com/what-are-the-biggest-ways-to-screw-up-a-transition-to-the-ria-model/About Host: Brad Wales is the founder of Transition To RIA, where he helps financial advisors between $50M and $1B understand everything there is to know about WHY and HOW to transition their practice to the Registered Investment Advisor (RIA) model. Brad has 20+ years of industry experience, including direct RIA related roles in Compliance, Finance and Business Development. He has an MBA and has held the 4, 7, 24, 63 & 65 licenses. The Transition To RIA website (TransitionToRIA.com) has a large catalog of free videos, articles, whitepapers, as well as other resources to help advisors understand the RIA model and how it would apply to their unique circumstances.

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

– The RIA Podcast with Seth Greene Episode 226 Brett Meyer The future of small cap investment is in active ETFs—and Toll & Co. is at the forefront. Brett Meyer, CFA, FRM, Head of Capital Formation at Towle & Co., explores the firm's small-cap value strategy. With over 43 years of success, Toll & Co. focuses on undervalued, cyclical companies, using a disciplined approach that makes it a unique player in the investment world. Brett shares how their strategy fits into clients' portfolios and the firm's recent foray into active ETFs, which aims to enhance investment opportunities.Listen to this insightful RIA episode with Brett Meyer about how Small Cap strategy can complement your portfolio.Here is what to expect on this week's show: The unique small cap value strategy that Toll & Co. has run for over 43 years The growing role of active ETFs in investment strategies Why small cap and value strategies may be set to make a comeback The differences between ETFs, model delivery programs, and separately managed accounts The importance of understanding investor preferences and evolving trends like ESG Connect with Brett:Links Mentioned:Website: https://www.towleco.com/ Towle ETFs: https://www.towleetfs.com/ Guest Contact Info: LinkedIn: https://www.linkedin.com/in/brett-meyer-cfa-frm-b612461/ Learn more about your ad choices. Visit megaphone.fm/adchoices

We're diving into investing with Cale Smith, founder and CEO of Bastion Fiduciary, a veteran-led fee-only RIA, and portfolio manager for the Bastion Energy Fund, an actively managed ETF. As a graduate of the U.S. Coast Guard Academy, Cale brings a unique perspective shaped by both military service and decades in finance. In this episode, he explains what a portfolio manager really does, the differences between ETFs, mutual funds, and index funds, and why most investors are better off keeping things simple. We also talk about leadership in investing, the biggest mistakes military families make with money, and why having a framework is essential for long-term success in the market. Show notes can be found here: https://milmo.co/podcast/investing-with-discipline-for-military-families For more MILMO, follow at: MILMO.co ItsMILMO on YouTube @itsmilmo on X @itsmilmo Instagram @itsmilmo LinkedIn @itsmilmo Facebook

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

On episode 433 of Animal Spirits, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ben Carlson⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ discuss the melt-up phase of the AI boom, there is a bubble in bubble predictions, no one is going to call the top, hyperscalers vs. the labor market, international stocks are outperforming, Taylor Swift, junk stocks, the top 1% vs. the bottom 90% and more. This episode is sponsored by Betterment Advisor Solutions and Vanguard. Grow your RIA, your way by visiting: https://Betterment.com/advisors Learn more about Vanguard at: https://www.vanguard.com/audio Sign up for The Compound newsletter and never miss out: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠thecompoundnews.com/subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Find complete show notes on our blogs: Ben Carlson's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠A Wealth of Common Sense⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Michael Batnick's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Irrelevant Investor⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Feel free to shoot us an email at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠animalspirits@thecompoundnews.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with any feedback, questions, recommendations, or ideas for future topics of conversation.   Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Ben Carlson are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

When it comes to trust management, most firms focus on compliance—Members Trust focuses on relationships. In this episode of The RIA Podcast Episode 225, Seth Greene interviews Ken Lako, President and CEO of Members Trust Company, who is a leader in trust and fiduciary services. With over 25 years of experience in law, investment management, and trust administration, Ken shares how Members Trust focuses on both growth and compliance, helping clients build and maintain their legacies. From working with RIAs to offering personalized solutions, Members Trust is dedicated to ensuring that every trust is managed with integrity, precision, and care.Listen to this insightful RIA episode with Ken Lako about Partnering with RIAs: The Members Trust Advantage. Here is what to expect on this week's show: Why compliance and legal risk management are now a major focus The unique role Members Trust plays in helping RIAs with trust management  The difference between working with Members Trust vs. bank trustees How Members Trust ensures a seamless, end-to-end trust management process Why accessibility and service are core to the Members Trust philosophy Connect with Ken:Website: https://www.memberstrust.com/YouTube: https://www.youtube.com/channel/UCgjXfViodT8mKi5Z_f9wQcgInstagram: https://www.instagram.com/memberstrustcompany/LinkedIn: https://www.linkedin.com/company/members-trust-company/Facebook: https://www.facebook.com/memberstrustcompany/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Given the high stakes involved (and the desire to provide high-quality service) when working with clients, it can be tempting for financial advisors to lean into perfectionist tendencies. However, doing so can sometimes lead to overwork and potentially burnout, particularly as a firm grows over time. Lisa Brown is the President of Greenwood Gearhart, an RIA based in Fayetteville, Arkansas, managing $1.8 billion in AUM for 1,070 households. In this episode, Lisa shares how her firm's early culture of “urgent perfectionism” led to overwork amongst firm leaders and team members alike, and why she developed a new leadership mantra: “calm excellence.“ Listen in as we talk about how Greenwood Gearhart redesigned workflows to reduce team burnout, eliminated meetings and ensured those that remained focused on high-leverage activities, and created the conditions for sustainable growth—for clients, teams, and firm leaders alike. For show notes and more visit: https://www.kitces.com/458

Dan Nathan and Guy Adami welcome Cameron Dawson of NewEdge Wealth. They discuss NewEdge's recent accolade as the third top RIA in the U.S. awarded by Barron's. The conversation delves into market positioning changes since April, the impact of institutional investor behavior, and liquidity trends. They also explore valuation concerns, the influence of AI on corporate earnings, and the future growth potential. The discussion touches on the performance and strategies of major tech companies, consumer economic impacts, and market predictions for 2026. Additionally, they consider alternative investment opportunities like infrastructure and litigation finance, highlighting their relevance in current client portfolios Links Checkout 'The Daily Spark' Checkout Earnings Insight Guy's Wikipedia —FOLLOW USYouTube: @RiskReversalMediaInstagram: @riskreversalmediaTwitter: @RiskReversalLinkedIn: RiskReversal Media

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

On this TCAF Tuesday, Josh Brown welcomes Telis Demos, writer for Heard on the Street and co-host of The Wall Street Journal's Take on the Week podcast to discuss: mortgage rates falling, the TikTok deal, record margin debt, JPMorgan credit card spending, the new threat facing active fund managers, Private market investments coming into 401(k)'s, and much more! Then at 43:22 hear an all-new episode of What Are Your Thoughts with ⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠! This episode is sponsored by Betterment Advisor Solutions. Grow your RIA, your way by visiting: https://Betterment.com/advisors Sign up for ⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

FALL TOUR TICKETS > www.barstoolsports.com/events/bestshowonearth. Intro (00:00-15:03). Weekend plans + Ria's nail reveal (15:47-24:17). Shaun White & Nina Dobrev call off their engagement (24:18-29:17). Taylor Frankie Paul is the new Bachelorette (29:18-38:55). Brooks Nader & Carlos Alcaraz are allegedly dating (38:56-43:50). Ria recounts being ignored by Martin Short (43:51-57:21). 'Love Island Games' S2 cast reveal (58:50-1:09:42). Prince Harry reunites with King Charles for first time in over a year (1:09:43-1:17:42). ‘The Summer I Turned Pretty' S3 E10 recap (1:18:30-1:39:01). Beat Ria & Fran game 189, April Fools' rematch, with Amber & Christina (1:40:06-2:04:53). 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