Podcasts about Ria

Google Maps ahora guarda automáticamente dónde aparcas en iPhone y elimina el pin cuando vuelves a conducirPor Félix Riaño @LocutorCo¿Te ha pasado que sales de un centro comercial, miras alrededor y no recuerdas dónde dejaste el coche? Google Maps acaba de activar una función que busca resolver justo ese momento de confusión. En iPhone, la app ahora detecta automáticamente cuándo terminas un trayecto en coche y guarda el lugar exacto donde aparcaste, sin que tengas que tocar nada. La función funciona de forma silenciosa, se borra sola cuando vuelves a conducir y está pensada para integrarse con CarPlay, Bluetooth o USB. Es un cambio pequeño en apariencia, pero muy práctico en el día a día. ¿Por qué ha tardado tanto en llegar y por qué solo está disponible en iOS?Funciona sola… pero deja fuera a millones de usuarios Android.Vamos a explicar qué está pasando. Google Maps en iOS empezó a activar hace unas semanas una función que reconoce cuándo llegas en coche a un lugar y cuándo apagas el motor. En ese momento, la app guarda automáticamente la ubicación del vehículo y coloca un pin en el mapa. Ese pin permanece visible durante cuarenta y ocho horas. Si antes de ese tiempo vuelves a conducir, el pin desaparece sin que hagas nada. Todo ocurre de forma automática.Para que funcione, el iPhone debe estar conectado al coche por CarPlay, Bluetooth o cable USB. No hace falta usar el botón manual de “guardar aparcamiento” que Google Maps ya tenía desde hace años. Ahora el sistema actúa por contexto, entendiendo el inicio y el final del trayecto. Es una función pensada para la vida real, para despistes cotidianos y para lugares grandes como parkings, hospitales o aeropuertos.Aquí aparece la tensión. Esta función solo está activa en Google Maps para iOS. En Android, el sistema sigue siendo manual. El usuario debe guardar el lugar y borrar el pin por su cuenta. Esto ha generado muchas preguntas, sobre todo porque Android es la plataforma principal de Google.Además, aunque el sistema guarda la ubicación horizontal del coche, no indica el piso o nivel en un parking de varias plantas. Eso significa que en parkings grandes todavía toca fijarse en columnas, colores o señales. Algunos usuarios también se preguntan qué datos usa Google para detectar el aparcamiento y si esto afecta a la privacidad. Google explica que el pin se elimina automáticamente y que la ubicación no queda guardada de forma permanente. Aun así, la diferencia entre iOS y Android deja una sensación rara de funciones desiguales dentro del mismo ecosistema.Google ha ido afinando esta función poco a poco. Primero activó el guardado automático del aparcamiento. Luego añadió un detalle visual: si usas un icono personalizado de coche en Google Maps, ese mismo icono aparece marcando el lugar donde aparcaste, en vez del clásico símbolo con la letra P.Los iconos personalizados existen desde dos mil veinte, y este año Google añadió nuevos modelos y colores. Ahora ese detalle se convierte en parte del sistema de aparcamiento. No cambia la navegación, pero hace la experiencia más clara y más humana.En comparación, Apple Maps lleva años ofreciendo detección automática del aparcamiento en iPhone. Google llega más tarde, pero lo hace integrado con su propia app y con una lógica simple: entras al coche, conduces, aparcas, te bajas, y el mapa se encarga del resto. No hay menús, no hay recordatorios, no hay pasos extra.Este tipo de funciones forma parte de una tendencia más amplia: apps que entienden el contexto sin que el usuario tenga que pedirlo. Google Maps ya hace algo parecido al detectar si vas caminando, en bici o en transporte público. El aparcamiento automático encaja en esa misma idea.También hay una comparación interesante con AirTag y otros sistemas de rastreo. Aquí no hay accesorios extra ni hardware adicional. Todo depende del teléfono, del coche y del comportamiento de uso.Por ahora, Google no ha dicho cuándo llegará esta función automática a Android. En Android Auto existe un botón para guardar el aparcamiento, pero sigue siendo manual. Eso deja abierta una pregunta clara: ¿es una limitación técnica o una decisión de producto? Mientras tanto, en iPhone la función ya está activa por defecto en muchos dispositivos, sin anuncios grandes ni actualizaciones visibles. Simplemente aparece un día… y funciona.Google Maps ahora recuerda automáticamente dónde aparcas si usas iPhone y conectas el coche. El pin se borra solo al volver a conducir. Es práctico, discreto y muy fácil de usar. La gran duda es cuándo llegará a Android. Cuéntame si ya lo viste activo en tu móvil y sigue Flash Diario en Spotify para más historias así.Google Maps en iPhone ahora guarda solo dónde aparcas, borra el pin al conducir y deja a Android esperando.

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

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

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

NASA perdió contacto con MAVEN, sonda clave para estudiar Marte y comunicar rovers. Buscan recuperarla para evitar impacto en futuras misionesPor Félix Riaño @LocutorCo  NASA confirmó que la sonda MAVEN dejó de comunicarse con la Tierra durante un paso orbital detrás de Marte. La señal nunca volvió, pese a que todo funcionaba bien antes del ocultamiento. MAVEN llevaba más de una década estudiando la atmósfera marciana y trabajando como enlace de comunicaciones para los rovers Curiosity y Perseverance. Ahora los equipos en la Tierra buscan recuperar el contacto y entender lo que pasó, porque la misión es vital para la ciencia y para las operaciones activas en el planeta rojo. ¿Qué implica este silencio inesperado para el presente y el futuro de Marte?  MAVEN es una sonda que llevaba once años en órbita marciana. Llegó en 2014 y desde entonces ayudó a entender cómo Marte perdió su atmósfera, cómo interactúa con el viento solar y cómo esos procesos transformaron al planeta en un mundo frío y seco. También era parte del sistema que transporta datos desde la superficie marciana hasta la Tierra, un rol que permitía que fotos, mediciones y avances científicos llegaran a nuestros laboratorios. El 6 de diciembre, MAVEN cruzó detrás de Marte en una maniobra rutinaria. Antes de perderse de vista, sus datos mostraban un funcionamiento estable, sin señales de anomalías. Pero al salir del lado opuesto, el silencio fue total. NASA no recibió ni un pulso de telemetría. Ese hecho genera inquietud, porque afecta observaciones científicas y comunicaciones. Además, recuerda la fragilidad de una flota envejecida que mantiene activa la exploración marciana.  El silencio de MAVEN llega en un momento en el que la red de orbitadores de NASA ya está bajo presión. Mars Odyssey lleva más de veinte años y se espera que agote su combustible pronto. El Mars Reconnaissance Orbiter también supera la década y media de operación, con instrumentos que han dado señales de desgaste. La Agencia Espacial Europea aporta dos naves, Mars Express y el Trace Gas Orbiter, pero también están cumpliendo ciclos de vida extendidos. Cada una cubre turnos de comunicación para los rovers, y si una falla, la carga aumenta en las demás. MAVEN aportaba una ventaja especial: su órbita alta permitía relays más largos, lo que resolvía grandes cantidades de datos en menos tiempo. Perder ese enlace significa una reducción inmediata en la capacidad de transmitir ciencia desde la superficie marciana. También complica la logística de futuras misiones como el programa para traer a la Tierra las muestras recogidas por Perseverance. Y para completar el panorama, NASA aún no ha logrado definir ni lanzar un nuevo orbitador de comunicaciones, pese a que lleva dos décadas intentándolo.  Los equipos en la Tierra estudian telemetrías previas al apagón y la última posición calculada para modelar hipótesis. Buscan señales débiles en el Deep Space Network, una red de antenas gigantes ubicadas en España, Estados Unidos y Australia. Esta red rastrea sondas a miles de millones de kilómetros y es la única capaz de recuperar un rastro diminuto que permita reconstruir la orientación o estado energético de MAVEN. La prioridad es determinar si la nave entró en un modo de seguridad, si perdió actitud, si hubo un fallo en la antena o si ocurrió un problema más profundo en sus sistemas. Recordemos que en 2022 MAVEN pasó tres meses en modo seguro por fallas en sus giróscopos y fue necesario reescribir su software de orientación. Ese antecedente mantiene viva la esperanza de que el equipo logre reactivarla. NASA también estudia acelerar el desarrollo del futuro orbitador de telecomunicaciones, un proyecto que por fin recibió financiación de 700 millones de dólares. Blue Origin y Rocket Lab ya han presentado ideas para cumplir ese rol. Mientras tanto, las demás naves seguirán absorbiendo más carga de comunicaciones para que Curiosity y Perseverance no queden aislados.  MAVEN aportó descubrimientos esenciales. En 2023 entregó imágenes de Marte en luz ultravioleta, mostrando detalles de su atmósfera como si fueran señales químicas en movimiento. También reveló el mecanismo de “sputtering”, un proceso físico mediante el cual partículas energéticas arrancan átomos de la atmósfera, contribuyendo a la desaparición del aire del planeta. Identificó además una aurora de protones, un fenómeno que no aparece en la Tierra y que se produce cuando el viento solar interactúa con el hidrógeno atmosférico. Sus mediciones permitieron reconstruir el pasado de un Marte que pudo tener mares extensos. MAVEN es parte de las piezas que llevaron a los científicos a concluir que el Sol fue el responsable de la perdida atmosférica que transformó un planeta húmedo en uno seco. También fue un actor clave para elegir rutas seguras y zonas de aterrizaje para futuras misiones robóticas y tripuladas. Su rol de puente entre superficie y Tierra se volvió más importante con Perseverance, que está almacenando tubos con rocas que algún día viajarán a la Tierra. El silencio de MAVEN no significa el fin inmediato de esta cadena, pero sí obliga a reorganizar todo el sistema.  MAVEN dejó de comunicarse después de una década aportando ciencia y comunicaciones vitales desde Marte. NASA trabaja para recuperar su señal y mantener operativa la red que sostiene a Curiosity, Perseverance y futuras misiones. Te invito a seguir pensando en cómo cuidamos estas naves que mantienen viva nuestra ventana al planeta rojo. Sigue el pódcast Flash Diario.  BibliografíaScienceAlertScientific AmericanNASA ScienceABC NewsPBS NewsHourArs TechnicaThe Guardian  Conviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

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

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

Actress, writer and one The Evening Standard's ‘Hottest Comedians You Should Be Watching Now' Ria Lina battles Bush this week at Spotify HQ in Britain's funniest quiz. Can Ria identify which supermarket Christmas Sandwich the British public would go for to get into the mood for the festive season? Make sure you buy tickets to go and see Ria's tour Riabellion - running well into 2026 To play Guestimators every week and to become a Golden Member, go to ⁠⁠⁠guestimators.com⁠⁠⁠.  Email us on ⁠⁠⁠hello@guestimators.com⁠⁠⁠ Voicenotes to ⁠⁠⁠07457404279⁠⁠⁠   And follow our socials: ⁠⁠⁠Twitter/X⁠⁠⁠ ⁠⁠⁠Instagram ⁠⁠⁠ ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠TikTok⁠⁠⁠ ⁠⁠⁠Bluesky⁠⁠⁠   Production Company - ⁠⁠⁠Lock It In Studi⁠⁠⁠o Hosts - ⁠⁠⁠Andy Bush⁠⁠⁠ & ⁠⁠⁠Matt Cutler⁠⁠⁠ Producer - ⁠⁠⁠Will Nichols⁠⁠⁠ Music - ⁠⁠⁠Adam Harrison⁠⁠⁠ Design - Charlie Thomas Learn more about your ad choices. Visit podcastchoices.com/adchoices

Adobe integra Photoshop, Express y Acrobat en ChatGPT para editar fotos, diseños y PDF dentro del chat    Por Félix Riaño @LocutorCo  Adobe abrió la puerta para que cualquier persona pueda editar fotos, diseñar piezas gráficas y ajustar documentos PDF dentro de ChatGPT. Esta integración funciona con herramientas reales de Photoshop, Adobe Express y Acrobat, usadas durante décadas en la industria creativa. Desde hoy, los usuarios van a poder pedirle al chat que borre fondos, mejore la iluminación de una imagen, arme invitaciones con plantillas profesionales o combine varios archivos PDF sin cambiar de aplicación. Con este movimiento, Adobe se acerca a las personas que aún no usan sus programas y convierte a ChatGPT en un espacio de trabajo creativo accesible. ¿Qué implica esto para el futuro de la edición digital?  Adobe anunció que Photoshop, Express y Acrobat ya funcionan dentro de ChatGPT a nivel global. Las tres herramientas aparecen como aplicaciones integradas, listas para ejecutar acciones con instrucciones habladas o escritas. Photoshop permite ajustar brillo, contraste, exposición y efectos creativos; además edita zonas específicas de una foto sin perder calidad. Express facilita la creación de piezas como invitaciones, afiches y publicaciones para redes sociales, usando plantillas listas para personalizar. Acrobat ayuda a reorganizar páginas, extraer tablas, editar texto, convertir formatos y hasta unir varios PDF. Todo esto sucede en el mismo chat, donde los controles se muestran como barras deslizantes fáciles de manejar.  La llegada de estas herramientas crea un escenario nuevo. ChatGPT ofrece sus propios sistemas para generar imágenes, pero muchos usuarios pedían ajustes más precisos. Adobe, por su parte, buscaba acercarse a un público más amplio que siente que sus programas son complejos. Ahora surge un reto: varias aplicaciones de edición también existen dentro del chat. Canva ya estaba presente. Gemini de Google también ofrece edición. Esto crea competencia directa dentro de la misma ventana de conversación. Para los usuarios, la opción más cómoda será la que responda mejor a su necesidad del momento. Para Adobe, la apuesta es fortalecer su ecosistema y ganar confianza con personas que nunca abrieron Photoshop o Acrobat.  Adobe diseñó esta integración usando el Modelo de Contexto (MCP), el mismo sistema que permite conectar apps externas con ChatGPT. La novedad más llamativa está en Photoshop, que adapta los controles según la instrucción del usuario. Si se pide aclarar una foto, aparecen controles de exposición. Si se busca un efecto, aparecen opciones como tritono o glitch. En Express, todo el proyecto se puede editar sin salir del chat. Y en Acrobat, la edición respeta el formato original del documento, algo muy difícil de lograr con editores genéricos. Adobe ofrece estas funciones gratis dentro de ChatGPT, pero mantiene sus aplicaciones completas para quienes necesitan trabajos avanzados.  Adobe trabaja desde hace dos años en sistemas de IA conversacional dentro de sus programas. Llamó a esta línea de trabajo “agentes creativos”. Express ya tenía un asistente que proponía diseños y animaciones. Photoshop estaba probando una versión beta de un asistente que interpreta instrucciones habladas. Y Firefly, su modelo de generación de imágenes, prepara una herramienta que conectará varias apps entre sí. Con estas integraciones, Adobe entra en un espacio que OpenAI quiere convertir en el “sistema operativo” de las aplicaciones del día a día. Las empresas empiezan a competir por el mismo lugar dentro del chat, lo que va a cambiar la forma en que usamos programas tradicionales.  Adobe trae Photoshop, Express y Acrobat directamente a ChatGPT y convierte el chat en un espacio creativo completo. Desde ajustar fotos hasta armar diseños y editar PDF, todo se hace con instrucciones simples. Si te interesa cómo la IA cambia las herramientas de trabajo, te invito a seguir Flash Diario  Photoshop, Express y Acrobat llegan a ChatGPT. Ahora puedes editar fotos, diseños y PDF gratis usando instrucciones dentro del chat.   BibliografíaTechCrunchThe Wall Street JournalEngadgetThe VergeCNETAdobe Newsroom Conviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

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

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

Tres tripulantes regresan desde la Estación Espacial Internacional tras ocho meses de ciencia en órbita terrestreLa Soyuz MS-27 aterrizó en Kazajistán con Jonny Kim, Sergey Ryzhikov y Alexey Zubritsky tras una misión de 245 días, más de 3.900 órbitas y cientos de experimentos científicos.  Por Félix Riaño @LocutorCo  Tres viajeros espaciales regresaron a la Tierra después de ocho meses en la Estación Espacial Internacional. La Soyuz MS-27 aterrizó en la estepa de Kazajistán bajo nieve ligera, con el equipo de rescate listo para apoyar a los astronautas y cosmonautas. Jonny Kim, Sergey Ryzhikov y Alexey Zubritsky completaron una misión intensa que incluyó experimentos científicos, caminatas espaciales, mantenimiento y coordinación con nuevas tripulaciones. La escena del aterrizaje mostró la dureza del clima y la precisión de la operación. ¿Qué aprendió este equipo durante sus 245 días en órbita y cómo cambia esto lo que sabemos sobre vivir y trabajar en el espacio?  Un regreso largo recuerda que cada misión termina con nuevos desafíos   La Soyuz MS-27 inició la maniobra de regreso después de separarse con cuidado del módulo Prichal. Jonny Kim, Sergey Ryzhikov y Alexey Zubritsky revisaron sistemas, aseguraron equipos y se prepararon para las horas más intensas del viaje. La nave debía seguir una ruta precisa hacia la atmósfera para lograr un aterrizaje estable en la estepa de Kazajistán. Durante la bajada aparecieron temperaturas muy altas, controladas por el escudo térmico. En tierra, los equipos de rescate avanzaron por la nieve para llegar rápido a la cápsula. Este proceso es parte central de cada misión y depende de la coordinación entre las personas en órbita y en superficie.  Volver de la órbita baja es un reto físico y técnico. La cápsula debe frenar en el punto exacto para evitar desvíos peligrosos. Al entrar en la atmósfera, la tripulación enfrenta fuerzas que afectan músculos y equilibrio después de tantos meses sin gravedad. Por eso, al aterrizar, los equipos abren la escotilla con rapidez y sientan a cada persona para una revisión inicial. Zubritsky necesitó asistencia médica inmediata. Kim y Ryzhikov pasaron por controles breves antes de continuar el protocolo. Estos pasos permiten evaluar su estado y entender cómo reacciona el cuerpo en un regreso tan largo.  En la nieve ocurrió un gesto que une tradición y trabajo en equipo: Ryzhikov firmó la cápsula quemada como parte de una costumbre espacial.   El aterrizaje ocurrió a las 12:03 a.m. EST, con la cápsula inclinada sobre la nieve. Kim recibió una muñeca matrioshka con su rostro, un detalle que refleja camaradería entre agencias. Después de los chequeos iniciales, los tres viajaron a Karaganda para continuar la recuperación. Kim seguiría hacia Houston y los cosmonautas hacia la Ciudad de las Estrellas. Durante la misión, Kim avanzó en estudios médicos y tecnológicos, mientras Ryzhikov y Zubritsky completaron tareas externas y mantenimiento del segmento ruso. El equilibrio entre sus funciones mantuvo activa la estación y permitió completar experimentos clave. Sus datos ayudan ahora a preparar próximas misiones hacia la Luna y Marte.  La Soyuz MS-27 forma parte de una línea de naves que Rusia usa desde hace décadas. Su diseño permite un descenso firme incluso con clima difícil. La tripulación completó 3.920 órbitas y viajó casi 167 millones de kilómetros. La misión coincidió con el aniversario de Gemini 7, un recordatorio del avance en vuelos largos. Los experimentos incluyeron tejidos bioprintados, control remoto de robots y materiales especiales para medicina. Estos estudios apoyan programas como Artemis y la llegada de nuevas estaciones comerciales. La Expedición 74 ya continúa el trabajo con astronautas de varias agencias.  La Soyuz MS-27 cerró una misión de ocho meses con un regreso preciso y lleno de ciencia. Kim, Ryzhikov y Zubritsky aportaron estudios médicos, pruebas tecnológicas y tareas externas esenciales. Ahora empieza su recuperación en tierra. Si quieres seguir estas historias del espacio, escucha Flash Diario  La Soyuz MS-27 volvió con Kim, Ryzhikov y Zubritsky tras 245 días de ciencia en la estación y un regreso nevado.  BibliografíaYahoo NewsC-SPANSignalsAZThe Times of Central AsiaSpaceflight NowBBCSpace.comNASA Conviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

Na década de 70 do século passado estavam registados três mil barcos moliceiros a operar na Ria de Aveiro, mas estima-se que restem pouco mais de 50 embarcações. Edição de Cláudia Costa Cláudia Costa

Las primeras gafas con Android XR y Gemini llegan en 2026 para reducir el uso del teléfono. Incluyen Project Aura, modelos monoculares, binoculares y versiones ligeras hechas con Warby Parker y Gentle Monster  Por Félix Riaño @LocutorCo  Google presentó sus nuevas gafas con Gemini, Xreal, Samsung y Warby Parker. Estas gafas pueden mostrar mapas, traducir, grabar videos, guiar recetas y recibir videollamadas sin mirar el teléfono. Funcionan con Android XR y están pensadas para usarse a diario.  Google propone un cambio profundo en nuestra vida diaria con una familia completa de gafas inteligentes que funcionan sin necesidad de sacar el teléfono del bolsillo. En 2026 llegarán modelos con pantalla, versiones de audio, gafas monoculares, binoculares y una opción avanzada llamada Project Aura. Todas permiten ver mapas flotantes, recibir indicaciones paso a paso, atender llamadas, usar Gemini para identificar objetos y cocinar con recetas guiadas sin mirar el celular. Son parte del nuevo ecosistema Android XR, que incluye también mejoras importantes para el Samsung Galaxy XR. Estas gafas buscan que dejemos de mirar el teléfono cada pocos segundos. ¿Nos vamos a acostumbrar a recibir la información justo delante de los ojos?  Pero muchos se preguntan cómo vamos a confiar en estas gafas.  Google anunció que en 2026 tendremos varias familias de gafas inteligentes que van a trabajar junto con el teléfono, pero sin obligarnos a mirarlo. Las gafas usan Gemini, cámaras integradas, micrófonos y un sistema operativo llamado Android XR. Este sistema permite que las notificaciones del móvil aparezcan como pequeñas ventanas delante de nuestros ojos. Las gafas pueden mostrar direcciones en la calle, traducir textos en vivo, describir objetos, grabar fotos y enviar videollamadas. La idea es reducir la necesidad de sacar el móvil cada vez que necesitamos una instrucción o un dato. Las primeras demostraciones muestran recetas flotando en la cocina, indicaciones de mapas al caminar y respuestas rápidas de Gemini basadas en lo que vemos.  Google quiere que estas gafas cambien la forma en que vivimos, pero hay varios desafíos grandes que deben resolver. Uno de ellos es la privacidad, porque las cámaras integradas pueden generar preocupación entre las personas que nos rodean. Google agregó luces que muestran cuándo la cámara está activa y un interruptor físico que corta la energía del sistema para que todos sepan que no está grabando. Otro desafío es la duración de la batería. Algunos modelos, como Project Aura, usan un pequeño procesador en el bolsillo que se calienta y necesita energía continua. Otro punto es la aceptación social. Muchas personas todavía sienten incomodidad al ver a alguien usando gafas con cámaras. También hay dudas sobre la dependencia del teléfono y sobre qué tan rápido vamos a entender los gestos que controlan las aplicaciones.  Google está trabajando para que el uso diario de las gafas sea cómodo y natural. Las versiones de audio permiten hablar con Gemini sin ver una pantalla. Las versiones monoculares muestran un pequeño recuadro con información básica como música, notificaciones y direcciones. Las versiones binoculares añaden profundidad para ver detalles en 3D. Y Project Aura, desarrollado con Xreal, agrega una pantalla más grande para juegos, varias ventanas de trabajo y una experiencia parecida a un cine personal. Todas estas opciones quieren que dejemos de mirar el teléfono cada pocos pasos y usemos la vista y la voz para interactuar con la tecnología. Google también formó alianzas con Warby Parker y Gentle Monster para que las gafas sean cómodas, livianas y compatibles con recetas ópticas. El objetivo es que cualquier persona pueda usarlas sin sentir que lleva un aparato extraño. Google anunció todo esto durante The Android Show: XR Edition, donde también confirmó nuevas funciones para el Samsung Galaxy XR, como PC Connect para traer la pantalla del PC al visor, un modo de viaje para usar el casco en aviones y Likeness, un avatar fotográfico que refleja nuestros gestos en videollamadas. En las demostraciones, las gafas mostraron funciones muy parecidas a lo que ya hacen los móviles, pero de forma más cómoda: un mapa aparece al bajar la mirada, Gemini responde preguntas sobre los objetos que vemos y las videollamadas flotan delante de nosotros. CNN mostró cómo las gafas pueden convertir una foto de una sala en una escena de nieve usando un modelo llamado Nano Banana. The Verge explicó que Project Aura no es un accesorio, sino un pequeño headset disfrazado de gafas. Android Authority reveló que Google prepara tres modelos distintos, con y sin pantalla. CNET y PCMag destacaron que las gafas monoculares funcionan con notificaciones del teléfono sin necesidad de nuevas apps. Y Reuters confirmó el trabajo conjunto con Warby Parker para modelos livianos con salida en 2026.  Google presentó gafas que trabajan con Android XR para reducir el uso del teléfono. Hay modelos de pantalla, de audio, monoculares, binoculares y la versión avanzada Project Aura. Todas usan Gemini para dar información en la mirada. Si te interesa seguir esta evolución, te invito a escuchar más episodios y seguir Flash Diario en Spotify.Google lanza gafas XR con Gemini que reducen el uso del teléfono. Mapas, recetas, videollamadas y traducción directa en la mirada.

Netflix se hace giganteNetflix compra Warner Bros., levanta megacentro en Nueva Jersey y cambia cómo ves series desde casaPor Félix Riaño @LocutorCoNetflix acaba de tener un día que va a quedar marcado en la historia del entretenimiento. Anunció un acuerdo para comprar Warner Bros. Discovery por un valor total de unos 82 700 millones de dólares, es decir, ochenta y dos mil setecientos millones, incluyendo HBO, HBO Max y franquicias como Harry Potter, Batman y Juego de tronos. El mismo día cerró la compra oficial del antiguo fuerte militar Fort Monmouth, en Nueva Jersey, un terreno de unas 289 acres, que son cerca de 117 hectáreas, donde va a levantar un megacentro de producción con 12 estudios de grabación. Y, al tiempo, actualizó sus aplicaciones para quitar el botón de “cast” en la mayoría de televisores modernos. ¿Esto es una buena noticia para quienes amamos las series y las películas, o es una señal de alerta por poder, precios y empleo en Hollywood?Punto de giro narrativo (10 palabras)Detrás de la fiesta hay miedo, dudas y tarifas altas.Vamos a empezar por el estudio de Nueva Jersey, porque ahí se ve muy bien la nueva cara física de Netflix. En Fort Monmouth, una antigua base del Ejército de Estados Unidos cerca de la costa, Netflix ya tiene permiso para transformar unas 117 hectáreas en un campus de producción enorme. El plan incluye 12 estudios de sonido que, en conjunto, van a sumar casi 500 000 pies cuadrados, que son alrededor de 46 500 metros cuadrados de espacios cerrados para grabar. Además va a haber oficinas, talleres, cafetería, tiendas, zonas para parquear los tráileres de los equipos, un teatro, un hotel y áreas de visita para el público. Oceanport y Eatontown, los dos municipios vecinos, firmaron acuerdos de pago en lugar de impuestos para asegurar varios millones de dólares al año durante treinta años. Sobre el papel, parece una fábrica de historias y empleos. La pregunta es qué tipo de historias, bajo qué reglas y con qué efectos en el resto del ecosistema.Mientras se celebra el futuro estudio y el súper catálogo que va a nacer si se cierra la compra de Warner Bros., crece una preocupación clara: la concentración de poder. Netflix ya tiene alrededor de 300 millones de suscriptores en el mundo. HBO Max suma más de 120 millones. Varios analistas calculan que, juntos, podrían controlar más de la mitad del mercado de streaming por uso en móviles. La senadora Elizabeth Warren habló de “pesadilla antimonopolio” y advirtió sobre tarifas más altas y menos opciones para el público. El Sindicato de Guionistas, el Writers Guild of America, pidió bloquear la fusión y recordó que cada gran consolidación viene acompañada por despidos masivos. Desde el lado republicano también hay ruido: el senador Mike Lee, que lidera el comité antimonopolio en el Senado, pidió que los reguladores miren el caso con lupa. La administración Trump ve el acuerdo con “gran escepticismo” y Paramount, que también quería comprar Warner, dice que el proceso estuvo inclinado a favor de Netflix. Todo eso ocurre mientras Netflix quita, sin previo aviso, la opción de enviar contenido desde el móvil a la mayoría de televisores modernos, algo que mucha gente usaba a diario.¿Qué va a pasar ahora? Empieza una carrera larga de revisiones legales y políticas en Estados Unidos y en Europa. El Departamento de Justicia va a estudiar si la mezcla de Netflix con Warner Bros. y HBO reduce la competencia y puede llevar a aumentos de precios o a menos diversidad de contenidos. Netflix, por su lado, va a insistir en que no compite solo con otros servicios de streaming, sino también con la televisión abierta, el cable, YouTube, TikTok y las redes sociales. Es decir, va a decir que el “mercado real” son todos los minutos de pantalla que peleamos a diario. En medio de la polémica, los jefes de Netflix prometen que Warner Bros. va a seguir estrenando películas en cines, unas quince al año, y que HBO y HBO Max van a seguir como marca propia, al menos por ahora. Explican que la idea es usar el músculo tecnológico de Netflix para llevar las historias de Warner a más personas, no para apagarlas. El acuerdo incluye una cláusula muy reveladora: si los reguladores tumban la compra, Netflix va a pagar una multa de 5 800 millones de dólares a Warner Bros. Discovery. Y si Warner decide irse con otra oferta, como la de Paramount, tendrá que pagarle a Netflix 2 800 millones. Eso muestra que todo el mundo sabe que el examen regulatorio va a ser duro.Este movimiento llega en un momento en el que Hollywood está agotado. Desde 2020 se han juntado la pandemia, la caída de la taquilla de cine tradicional, dos grandes huelgas de guionistas y actores, y el miedo a la inteligencia artificial generativa. La compra de 21st Century Fox por Disney en 2019, por unos 71 300 millones de dólares, ya redujo el número de estudios grandes. El reciente acuerdo para que Skydance controle Paramount trajo miles de despidos. Muchas personas en Los Ángeles ven la posible entrada de Netflix sobre Warner como otra ola de cierres de salas, menos películas arriesgadas y más presión para que las historias obedezcan solo a los algoritmos. Al mismo tiempo, el megacentro de Netflix en Fort Monmouth se presenta como un motor económico para Nueva Jersey: inversión de hasta 1 000 millones de dólares, empleo local y una nueva “Hollywood de la costa este”. Y en el lado más cotidiano, la decisión de matar el “casting” desde el móvil a la mayoría de televisores obliga a mucha gente a cambiar su forma de ver series, sobre todo en viajes, casas alquiladas y espacios donde el truco era conectar el teléfono al televisor. Netflix insiste en que todo busca mejorar la experiencia y centrar el uso en la app nativa de cada televisor, pero el mensaje que recibe parte del público es: más control desde arriba y menos libertad para el usuario, justo cuando se habla de sumar HBO, Harry Potter, DC y Friends al mismo menú.Netflix va a intentar comprar Warner Bros., va a levantar un megacentro en Nueva Jersey y ya cambió la manera en que usamos el móvil para ver sus series en muchos televisores. Todo apunta a un gigante del entretenimiento todavía más grande, con ventajas y riesgos para bolsillos, empleos y creatividad. ¿Tú cómo lo ves: oportunidad o exceso de poder? Te invito a seguir escuchando y a seguir el pódcast Flash Diario en Spotify para comentar juntos cada nuevo giro de esta historia.Netflix compra Warner Bros., levanta megastudio en Nueva Jersey y limita casting móvil, encendiendo alertas por precios, empleos, cines globales.Bibliografía NJ.comCNBCIGNThe New York TimesMacRumorsAndroid AuthorityCNNYahoo FinanceFox BusinessTechCrunchAbout NetflixConviértete en un seguidor de este podcast: https://www.spreaker.com/podcast/flash-diario-de-el-siglo-21-es-hoy--5835407/support.Apoya el Flash Diario y escúchalo sin publicidad en el Club de Supporters. 

How to Choose a Financial Advisor: Fee-Based vs. Commission and What Retirees Need to Know Introduction Choosing the right financial advisor can feel overwhelming, especially when you’re navigating retirement planning or managing a lifetime of savings. With so many types of advisors—from traditional brokers to fee-based fiduciaries—how do you know which model serves your best interests? In this episode of The Tom Dupree Show, Tom Dupree and Mike Johnson walk through the evolution of financial advising, explain the critical differences between fee-based and commission-based models, and share what you should look for when selecting an advisor. Whether you’re working with a large brokerage firm or considering a local registered investment advisor, this guide will help you make an informed decision about your financial future. The Evolution from Brokers to Financial Advisors From Lockboxes to Digital Portfolios The financial advisory landscape has transformed dramatically over the past several decades. When Tom Dupree started in the business, the term “financial advisor” didn’t exist—only brokers. “When I started in the business, it was a broker. There were no such things as advisors,” Tom explains. Back then, fee-based advisors served only the ultra-wealthy with accounts of $5-10 million or more. Everyone else worked with commission-based brokers. Investors even held physical stock certificates and bonds in lockboxes at their banks. As Tom recalls: “I knew an older man who accumulated a lot of securities, bonds and stocks, and he kept them in his lockbox. He had to physically collect his own bond coupons.” The Rise of Discount Brokerages and RIAs The late 1980s and 1990s brought significant changes: Discount brokerage firms like TD Ameritrade, Schwab, Fidelity, and Vanguard emerged, allowing investors to manage their own portfolios Fee-based accounts became available at traditional brokerage firms Independent Registered Investment Advisors (RIAs) like Dupree Financial Group established themselves as fiduciary-focused alternatives This evolution created more choices for investors—but also more confusion about which advisor model best serves their needs. Understanding Different Types of Financial Advisors Commission-Based Brokers Commission-based advisors earn money when you buy or sell investments. While not inherently wrong, this model creates potential conflicts of interest. Key characteristics: Compensated through transaction commissions May recommend products that generate higher fees Not always held to fiduciary standards Common at firms like Edward Jones and traditional wirehouses As Mike Johnson notes: “You the consumer need to be aware of what their incentive is. Some advisors are incentivized by transactions.” Fee-Based Registered Investment Advisors Fee-based RIAs charge a percentage of assets under management rather than commissions on transactions. Key characteristics: Held to fiduciary standards (legally required to put client interests first) Fees typically range from 0.5% to 1.5% of assets annually Incentivized to grow your account value, not generate transactions Provide ongoing investment management and financial guidance “We manage money for a fee and we offer advice. We counsel with people,” Tom explains about Dupree Financial Group’s approach. “It makes it simple. We’re not trying to do other things that you don’t expect us to try to do.” Hybrid Models and Large Brokerage Firms Many large brokerage firms now offer both commission-based and fee-based services, along with additional offerings like legal and accounting departments. Tom cautions about potential conflicts with these one-stop-shop models: “If everybody is working under the same roof and getting paid by the same income stream, they’re gonna all pretty much march to the same company line.” Fee-Based vs. Commission: Understanding Advisor Incentives How Incentives Shape Investment Recommendations Your advisor’s compensation structure directly impacts the advice you receive. Understanding these incentives is crucial for retirement planning. Commission-Based Incentives: Generate income through buying and selling May encourage unnecessary trading or higher-cost products Can create pressure to recommend certain investments Fee-Based Fiduciary Incentives: Earn more only when your account grows Motivated to preserve capital and generate steady returns Aligned with long-term retirement goals “The incentive for us, for example, is to mitigate risk, but to also try to earn a rate of return above the rate of inflation and hopefully the rate of withdrawal,” Mike explains. “It aligns with what our client’s interests are.” The Fiduciary Standard: What It Means for You A fiduciary is legally obligated to act in your best interest. This is the highest standard of care in financial services. When you work with a fiduciary RIA: Your interests come first, always Conflicts of interest must be disclosed Recommendations must be suitable for your specific situation Transparency is required in all fee structures Red Flags When Choosing a Financial Advisor Warning Signs to Watch For Not all financial advisors operate with your best interests at heart. Here are red flags Tom and Mike have observed over 47 years in the investment business:

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

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

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

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

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

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

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

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

Ukrainian negotiators are due to hold talks in Florida on Sunday, as the country's representatives traveled to the United States to work on a renewed push to end the conflict.乌克兰谈判代表预计将于周日在佛罗里达举行会谈。乌方代表团已前往美国，寻求推动结束冲突的新一轮努力。Ukrainian President Volodymyr Zelensky wrote on X that the delegation, headed by national security chief Rustem Umerov, was on its way to "swiftly and substantively work out the steps needed" to end the conflict.乌克兰总统弗拉基米尔·泽连斯基在X平台上写道，由国家安全负责人鲁斯捷姆·乌梅罗夫率领的代表团正赶赴美国，“以便迅速并实质性地制定结束冲突所需的步骤”。US Secretary of State Marco Rubio, Special Envoy Steve Witkoff and Jared Kushner, the son-in-law of US President Donald Trump, were expected to sit down with a Ukrainian delegation to further hash out the details of a proposed peace framework.美国国务卿马可·鲁比奥、特使史蒂夫·维特科夫以及美国总统唐纳德·特朗普的女婿贾里德·库什纳预计将与乌克兰代表团会面，进一步商谈拟议中的和平框架细节。A US delegation is expected to travel to Moscow for talks with Russian President Vladimir Putin in the second half of this week.预计本周下半周，美国代表团将前往莫斯科，与俄罗斯总统弗拉基米尔·普京举行会谈。On Friday, just before the Florida sit-down, Zelensky announced the resignation of the head of his office, Andriy Yermak, who was the country's lead negotiator in talks with the US.周五，就在佛罗里达会谈前夕，泽连斯基宣布其办公厅主任安德烈·叶尔马克辞职。叶尔马克一直是乌美谈判的首席代表。Earlier in the day, anti-corruption authorities conducted searches in Yermak's home as part of an investigation, the National Anti-Corruption Bureau said, without giving further details.据乌克兰国家反腐败局表示，当天早些时候，反腐部门曾搜查叶尔马克的住所，但未透露进一步细节。It was only a week ago that Rubio had met with Yermak in Geneva, with each side saying the talks had been positive in putting together a revised peace plan.就在一周前，鲁比奥还在日内瓦与叶尔马克会面，双方均表示会谈有助于推动新版和平计划的制定。Now, the Ukrainian delegation includes Andrii Hnatov, the head of Ukraine's armed forces; Andrii Sybiha, Ukraine's foreign minister; and Rustem Umerov, head of Ukraine's security council, Zelensky has said.泽连斯基表示，目前乌克兰代表团成员包括乌克兰武装部队总司令安德烈·赫纳托夫、外交部长安德烈·西比哈，以及国家安全委员会主席鲁斯捷姆·乌梅罗夫。Diplomats have been focused on revising the US-proposed 28-point peace plan unveiled last month.外交官员们一直致力于修订上月发布的、由美国提出的28点和平方案。Following its release, representatives from the US, Ukraine and several European countries met in Geneva to discuss the plan.方案公布后，美国、乌克兰及多个欧洲国家的代表在日内瓦举行了讨论。After the discussions, the plan has been cut down to 19 points but has not been made public.经过磋商，该方案已缩减至19点，但尚未对外公开。Kremlin spokesman Dmitry Peskov said on Friday that Moscow has received the parameters of the peace plan for Ukraine adjusted following consultations in Geneva.克里姆林宫发言人德米特里·佩斯科夫周五表示，莫斯科已收到日内瓦磋商后调整过的乌克兰和平计划参数。"The main parameters have been communicated, and there will be a discussion in Moscow next week," Peskov said.“主要参数已经传达，下周将在莫斯科展开讨论。”佩斯科夫称。He said the Kremlin will not disclose all details of the plan, adding that everything will be discussed.其表示，克里姆林宫不会披露全部内容，所有细节都将在会谈中讨论。Trump said on Tuesday that he would send Witkoff and perhaps Kushner to Moscow this week to meet with Putin about the plan.特朗普周二表示，他将派维特科夫以及可能包括库什纳在内的特使本周前往莫斯科，与普京讨论该计划。On Monday, French President Emmanuel Macron will host Zelensky for talks in Paris, the French presidency announced.法国总统府宣布，周一法国总统埃马纽埃尔·马克龙将在巴黎会见泽连斯基。Macron's office said the two leaders will "discuss the situation and the conditions for a just and lasting peace, in continuity with the Geneva discussions, the US plan, and in close coordination with our European partners".马克龙办公室表示，两国领导人将“讨论当前局势和实现公正、持久和平的条件，这将延续日内瓦讨论成果、美国方案，并与欧洲伙伴保持密切协调”。Despite the diplomatic efforts, fighting on the battlefield shows no signs of easing.尽管外交努力持续进行，但战场上的战斗没有任何缓和迹象。On Saturday, Russian drone and missile attacks in and around Ukraine's capital, Kyiv, killed at least three people and wounded dozens more, officials said.乌方官员表示，周六俄罗斯在乌克兰首都基辅及周边地区发动的无人机和导弹袭击造成至少三人死亡、数十人受伤。Fresh attacks overnight into Sunday killed one person and wounded 19 others, local officials said, when a drone hit a nine-story apartment block in the city of Vyshhorod in the Kyiv region.当地官员称，周日凌晨的新一轮袭击导致一人死亡、19人受伤，其中一架无人机击中了基辅州维什霍罗德市的一栋九层公寓楼。In Russia, a major oil terminal near the port of Novorossiysk stopped operations on Saturday after a strike by unmanned boats damaged one of its three mooring points, according to a statement from the Caspian Pipeline Consortium, which owns the terminal.据拥有该终端的里海石油管道联盟表示，俄罗斯新罗西斯克港附近的一座大型石油终端在遭无人艇袭击后暂停运营，其中一个系泊点受损。Andriy Kovalenko, head of the Center for Countering Disinformation at the National Security and Defense Council of Ukraine, confirmed that Ukraine had carried out the attack.乌克兰国家安全与国防委员会反虚假信息中心负责人安德烈·科瓦连科证实，袭击由乌方实施。Russia will notify all international platforms about the attack, Russian Foreign Ministry spokeswoman Maria Zakharova said on Sunday, as cited by state-run RIA news agency.俄新社援引俄外交部发言人玛丽亚·扎哈罗娃的话称，俄罗斯将就此次袭击通知所有国际机构。Commenting on the incident, Zakharova said Ukraine's actions now pose a threat to global security.扎哈罗娃表示，乌克兰的行为正对全球安全构成威胁。peace talks和平谈判drone attack无人机袭击missile strike导弹攻击mooring point系泊点

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

Key TopicsThe cyclicality of trend, value, momentum, and other stylesWhy Dantes Outlook blends trend, relative strength, and dispersionManaging risk during the crucial mid-30s to 40s accumulation yearsSequence-of-returns risk and why it is the “silent killer” of retirement portfoliosHow rolling return analysis helps investors avoid misleading conclusionsThe case for global diversification beyond U.S.-centric portfoliosWhy non-U.S. equities may be entering a long-term leadership cycleMaintaining a risk mandate you can stick with across market regimesVisit us at www.dantesoutlook.com

Tim Farley has spent over a decade shaping what great advisory leadership looks like.In this episode of The Advisor Journey, Tim Farley, founding principal of Tempo Wealth, shares the story behind launching a new RIA with his two business partners, Bernie Garrah and Corbin Blackburn, that quickly grew to manage more than $700 million in client assets.He explains how genuine relationships, deep specialization, and a client-first mindset helped him and his partners build a firm defined by trust and collaboration. From mastering a niche among corporate executives to overhauling technology and team structure, Tim breaks down the lessons learned along the way.Advisors will take away insights on building partnerships, leading with purpose, and creating a firm culture built to last.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

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

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

We often hear about “breakaway” advisors.That is commonly understood to refer to wirehouse advisors “breaking away” to setup their own independent practices.It's one of the main reasons the RIA channel has been, and continues to be, the fastest growing channel in the industry.But why do we never hear about independent advisors going in the other direction to the wirehouse model?Why does the river only run in one direction?In this episode of the Transition To RIA question & answer series I explain:Why the current trend was not always the case.What caused the trend to now occur (for a decade plus now.)What the main motivators are for wirehouse advisors to make the change.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/why-do-advisors-leave-the-wirehouse-model-for-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.

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

In this episode of Convo By Design, I connect with London-based designer Juliette Byrne to explore how refined design adapts to different cultures and markets. From navigating international trade to redefining timeless interiors, Juliette shares how adaptability, craftsmanship, and collaboration drive her studio's continued success across continents. Designer Resources Pacific Sales Kitchen and Home. Where excellence meets expertise. Design Hardware - A stunning and vast collection of jewelry for the home! TimberTech - Real wood beauty without the upkeep One of the unexpected gifts of the pandemic was the opportunity to connect with remarkable designers around the world from my Los Angeles studio. My conversation with Juliette, principal of her namesake firm in London, highlights just how universal good design can be. We talked about the contrasts between Los Angeles and London—two cities with vastly different scales, materials, and architectural rhythms—and how exceptional design principles translate beautifully in any setting. Juliette described how American brands like Holly Hunt find their place in European homes, and how that exchange of ideas enriches both markets. Our discussion naturally turned to the realities of global design, especially the political and logistical hurdles that come with tariffs and shipping. Juliette shared the challenges of importing products from across Europe and the U.S., explaining how her firm helps clients decide when an imported piece is worth the cost or when local craftsmanship is the smarter choice. Her story about a Dresden project—where customs required a fiber-by-fiber analysis of drapery fabrics—perfectly illustrated the level of complexity designers now face. We explored how design has evolved from an architectural accessory into an independent philosophy rooted in creativity and collaboration. Juliette's optimism stood out to me. She attributes her perspective to a “glass-half-full” mindset and the strong, talented team that supports her. Juliette walked me through her design process, emphasizing her studio's focus on sourcing from a broad network of suppliers rather than producing in-house. She compared interior design to fashion—forever changing, always inspired by color, material, and innovation. Her team's regular visits to Milan and Paris for exhibitions, and Ria's recent trip to New York to meet suppliers, reflect the studio's commitment to staying curious and connected. We also talked about her remarkable project in Dresden, where she transformed an 18th-century merchant's house into an elegant, richly detailed home. Juliette preserved historical carvings and plasterwork while integrating modern amenities like carefully designed lighting and personalized baths. The project earned a major European design award and is now nominated for another in Capri—a testament to her thoughtful approach and respect for craftsmanship. Juliette shared her perspective on kitchen and bath design, where timelessness is key. She favors natural materials—stone, wood, marble—and thoughtful lighting that elevates the everyday. She also noted how generational preferences shape aesthetics: younger clients in areas like Notting Hill often lean into playful colors and bold gestures, while others seek quiet, enduring elegance. Finally, Juliette described a major residential project completed during the pandemic, which demanded creative adaptation to remote collaboration and shifting schedules. Her ability to balance practicality with beauty during that time underscored a central theme of our conversation—design as both necessity and art. This conversation reminded me that design, in its truest form, is a global language. It's about adaptation, discovery, and finding richness in every creative challenge. And you're going to hear it all, right after this. Show Topics Design adaptability between Los Angeles and London Navigating tariffs, customs,

Danika Waddell's journey from solo founder to firm leader is a masterclass in intentional growth.In this episode of The Advisor Journey, Danika—founder of Zena Financial Planning—shares how she built a practice centered on professional women in tech, the lessons learned from evolving her business model, and what it takes to create lasting partnerships.From starting her firm in 2020 to merging with another RIA five years later, Danika opens up about the realities of entrepreneurship, why she left the hourly model behind, and how aligning values and vision made her merger a success.Advisors will walk away with insight into fee structures, niching with purpose, and building meaningful collaborations that amplify both impact and joy.ABOUT ALTRUIST: We're on a mission to make independent financial advice better, more affordable, and accessible to everyone. As a modern custodian, Altruist helps high-growth, client-centric, and tech-forward RIAs deliver great advice to more clients at lower costs. Want to find out how Altruist can help you grow? Talk to our team by visiting www.altruist.com/talk-to-us STAY CONNECTED: Instagram ► https://www.instagram.com/altruistcorp/ Twitter ► https://x.com/altruist Linkedin ► https://www.linkedin.com/company/altruistcorp/ ABOUT THE ADVISOR JOURNEY: Real-life strategies for the modern financial advisor who's ready to scale. Join Altruist leaders and guests as they share proven tactics, unfiltered advice, and hard-won lessons you can apply to your own practice. These conversations will propel your career to the next level—don't miss it. Disclaimer: Altruist Corp ("Altruist") offers technology and tools designed to help financial advisors achieve better outcomes. Advisory and certain other services are provided by Altruist LLC, an SEC-registered investment adviser, and brokerage related products and services are provided by Altruist Financial LLC, a member of FINRA/SI...

Founder and Wealth Advisor Michael Grand joins us to discuss his path to independence, the inspiration behind REVUP Private Wealth, and why he chose to transition to NYFP and Osaic. He also shares how greater flexibility, control, and client-centered decision-making are shaping the future of his practice.

Zane Keller, CEO of Ducere Wealth Management, shares why he and Rick Keller launched the firm and the vision behind its client-first approach. He discusses how the business has progressed in its first six months and explains how Ducere Wealth is working to solve some of the key challenges facing today's advisory industry.

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

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

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

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

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

HOLIDAY SHOW TICKETS > https://bit.ly/CITOPHILLYSHOW. Ria's BrovoCon experience (00:00-20:18). Fran saw ‘Harry Potter and the Cursed Child' on Broadway (20:19-36:07). BravoCon biggest moments roundup (37:10-1:00:45). Weekly Watch Report: ‘The Secret Lives of Mormon Wives,' ‘Dancing with the Stars,' ‘Maxton Hall' + more! (1:01:29-1:39:03). Interview with ‘DWTS' semi-finalists Robert Irwin & Witney Carson (1:40:15-1:54:51). Interview with ‘DWTS' semi-finalists Whitney Leavitt & Mark Ballas (1:54:54-2:08:53). Interview with ‘DWTS' semi-finalists Alix Earle & Val Chmerkovskiy (2:10:41-2:29:26). CITO LINKS > barstool.link/chicks-in-the-office.You can find every episode of this show on Apple Podcasts, Spotify or YouTube. Prime Members can listen ad-free on Amazon Music. For more, visit barstool.link/chicks-in-the-office

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

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

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

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

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

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

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

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