Podcasts about Risk management

Rachel Shaw is known nationally as the authority on how to implement and manage the FEHA/ADA Disability Interactive Process for candidates and employees. Her trainings and seminars are highly anticipated by Human Resource and Risk Management professionals as informative, dynamic and packed with real-life practical solutions.Rachel is the President and Principal Consultant of Shaw HR Consulting, Incorporated. With more than 15 years of executive-level Human Resources experience, Rachel is recognized statewide as a leader in helping public and private sector employers manage their most challenging personnel issues. Rachel and her team provide comprehensive solutions to employers on how to successfully manage the interconnected roles of human resources, workers' compensation and disability compliance to successfully reduce litigation, the costs of claims and improve employee-employer relations throughout the process.

Betting markets are increasingly pointing to Kevin Warsh as a potential successor to Jerome Powell, with Kevin Hassett expected to remain in his White House role under Donald Trump. Which begs the question: What would a Warsh-led Federal Reserve actually bring to markets? Lance Roberts & Michael Lebowitz explore the possibilities of a Warsh Fed: Would such likely be more tolerant of volatility, rely less on emergency interventions, and place greater emphasis on valuation, fundamentals, and disciplined policy rules? 0:00 INTRO 0:18 - Earnings, Economics, & Imminent Greenland Deal 2:48 - Markets Break Trendline - Look for Volatility 8:22 - Greenland, Denmark, & Danish Bonds 15:10 - What the Media Doesn't Say About Bond Auctions 17:14 - Texas Winter & Nat Gas Futures 20:32 - Warsh vs Wallace as Fed Head 23:58 - Keep an Eye on Rick Rieder 26:14 - The Marriage of Blackrock & The Fed 27:52 - Markets are Driven by the Wrong Things 31:12 - The Reflation Narrative 34:29 - Speculation, ETF's & Fighting for the same Dollars 39:05 - The Gamification of Markets 41:29 - The Importance of Risk Management 45:00 - End of the 1st Half of the Secular Period Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Portfolio Manger, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/watch?v=D4roSFzE3Ww&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 ------- Watch our previous show, "It's Q&A Day — and (almost) anything goes" here: https://www.youtube.com/live/jFDHVzdwNdo -------- The latest installment of our new feature, Before the Bell, "Markets Stall at Resistance - Volatility Ahead?" is here: https://www.youtube.com/watch?v=8EviI_k5gb8&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #TechnicalAnalysis #SP500 #RiskManagement #InvestingStrategy #FederalReserve #KevinWarsh #MarketVolatility #MonetaryPolicy #RiskManagement

Most agencies treat employee benefits as a secondary revenue stream - a product to be sold rather than a risk to be managed. They silo their commercial and benefits teams, leaving the client with a disjointed strategy that fails to address their second-largest line item after payroll.My guest, Kevin Handzlik, Director of Employee Benefits at Ellerbrock-Norris, joins me to flip the script. Coming from an actuarial background at Milliman, Kevin brings a data-driven perspective to the brokerage world. In this episode, we break down why pharmacy costs have skyrocketed to 40% of claims spend, how to apply commercial risk management principles to health plans, and why self-funding is a vehicle, not a product. This is the blueprint for breaking down agency silos and protecting your client's purpose.Chapters:(0:00) From Actuarial Consulting to Agency Leadership: Kevin Handzlik's Story (5:16) Stop Selling Health Insurance, Start Solving Business Problems (9:09) The 40% Problem: Why Pharmacy Costs Are Skyrocketing (13:44) Applying Risk Management Principles to Employee Benefits (17:28) Overcoming the Fear of Self-Funding: Education vs. Sales (21:52) Breaking Down Silos: Why Commercial and Benefits Must Work Together (25:20) Stop Pitching Solutions: The Power of Asking Better Questions▶▶ Sign Up For Your Free Discovery Callhttp://completegameu.com/agaCONNECT WITH ANDY NEARY

In this episode of Fraud in the Office, Matthew and Mark unpack the shocking embezzlement case involving Christopher Butler, the former CEO of The Painted Turtle—a nonprofit camp for critically ill children co-founded by Paul Newman. The hosts break down how more than $5 million was allegedly stolen over several years, examining the control failures that allowed the fraud to go undetected.They discuss why strong financial controls, proper segregation of duties, and active oversight are critical in nonprofit organizations, and how lapses in governance can have devastating consequences—especially when vulnerable populations are involved. This episode is a sobering reminder that even the most mission-driven organizations are not immune to fraud without the right safeguards in place.Support the showFind us on all streaming platforms! Check out our sponsor 1Trooper on LinkedIn @1Trooper And don't forget to subscribe!

In this episode of Corporate Finance Explained on FinPod, we break down cash flow forecasting, why profitable companies still fail, and how liquidity, not earnings, determines whether a business survives. This episode explains how companies can look strong on the income statement while quietly heading toward a cash crisis.Many businesses don't collapse because they're unprofitable. They fail because they run out of cash. Understanding the differences between profit, EBITDA, and cash available is one of the most critical skills in corporate finance. This episode shows how cash flow forecasting reveals timing risk, funding gaps, and liquidity shortfalls long before they appear in reported earnings.In this episode, we cover:– Why profitability and EBITDA can hide serious liquidity risk– How timing differences between revenue, expenses, and cash create dangerous gaps– The impact of accounts receivable, inventory, capex, and debt repayments on cash flow– How operating, investing, and financing cash flows work together– Why companies like Apple and Walmart manage liquidity so effectively– What went wrong at companies like WeWork, Carvana, and Boeing from a cash flow perspective– How short-term, 13-week, and long-term cash flow forecasts prevent financial surprisesWe explain why cash flow forecasting is not just a treasury function, but a core finance responsibility. By mapping cash inflows and outflows over time, finance teams can anticipate liquidity troughs, plan funding needs, and make informed decisions before cash constraints become emergencies.This episode is designed for:– Corporate finance professionals– FP&A analysts and managers– Investment banking and valuation professionals– Finance leaders responsible for liquidity, forecasting, and capital planningCorporate Finance Explained is a FinPod series from Corporate Finance Institute (CFI), created to make complex finance topics clearer, more practical, and easier to apply in real-world decision-making.Subscribe to FinPod for more corporate finance explainers, real-world examples, and practical finance insights.

In this hour of VSiN PrimeTime, hosts Tim Murray and Will Hill are joined by Jeff Sherman, VP of Risk Management at Westgate Superbook, to discuss the CFP National Title game, and talk betting the NBA, NFL, and Golf. Tim and Will preview and give live updates of Tuesday's College Basketball and NBA slate, preview the NFL Conference Championships. Also, joining the show is Rob Dauster, Founder of “The Field of 68,” to give his CBB insights.Get instant access to expert picks, public betting splits data, and pro betting tools when you join VSiN pro. Grab your first month for only $9.99 or take over $60 off an annual subscription when you use promo code: SUPER. Click Here to get started. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lance Roberts & Danny Ratliff tackle questions directly from our YouTube chat, addressing financial issues you're most concerned about right now. From market volatility and rising bond yields to Federal Reserve policy, portfolio risk, and retirement planning — nothing is off the table. 0:00 INTRO 0:18 - Davos Headlines & Earnings Season Continues 3:14 - Markets Sell-off 8:28 - Weekend Review & Open Q&A 9:29 - How High Can 10-Year Treasury Yields Get? 13:45 - The De-Globalization Myth Debunked 17:00 - Focus on Total Returns at 71? 20:49 - How Do You Lower Taxes in Retirement? 23:59 - We Need More Value in Our Money 28:32 - Will Roth Rules Ever Change? 32:30 - Is Lance Bullish or Bearish? 33:56 - The Government is Not Broke 36:05 - Means Testing & High Tax States for Roth 38:00 - UGMA Investing for Kids 40:07 - Investing for 6-year Olds 42:54 - Risk Management for Young People 44:48 - Gold, Silver, & Fiat Currency Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/live/jFDHVzdwNdo ------- Watch our previous show, "Is a House Still a Good Investment in 2026?" here: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "No Time to Panic" is here: https://www.youtube.com/watch?v=xhqZo9IvXTs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketToday #MarketCorrection #RiskManagement #InvestingDiscipline #InvestorQandA #MarketVolatility #FederalReserve #RetirementPlanning #PortfolioRisk

In this first installment of a three‑part mini‑series honoring the 2025 Distinguished Risk Manager (DRM) Award recipients, URMIA Matters highlights the remarkable career and life of Fitzroy Smith, Assistant Vice President, Chief Risk Officer at Howard University, with guest host, Miguel Delgado, current URMIA president and Associate Vice President and Chief Risk Officer at Carnegie Mellon University, interviewing. Fitzroy reflects on his early introduction to the insurance world through a high‑school program in Hartford, which set him on a lifelong path in risk management. With more than 25 years of experience across insurance, brokerage, captive management, local government, and over two decades in higher education, he shares the mentors, milestones, and leadership opportunities that shaped his professional journey, which culminated in the surprise of receiving the DRM Award at URMIA's Annual Conference in Las Vegas. Beyond his professional accomplishments, Fitzroy discusses his deep commitment to community service, including decades of involvement with the YMCA and ongoing humanitarian efforts in Jamaica following recent hurricane devastation. He also offers a glimpse into what's ahead, from advancing risk management excellence at Howard University to continuing his lifelong passion for youth development and service.  Show Notes URMIA's Distinguished Risk Manager Award Three Honored as Distinguished Risk Managers at URMIA Annual Conference Guest Fitzroy Smith, Assistant Vice President, Chief Risk Officer - Howard University Guest Host Miguel Delgado, Associate Vice President and Chief Risk Officer - Carnegie Mellon University Connect with URMIA & URMIA with your network-Share /Tag in Social Media @urmianetwork-Not a member? Join ->www.urmia.org/join-Email | contactus@urmia.org Give URMIA Matters a boost:-Give the podcast a 5 star rating-Share the podcast - click that button!-Follow on your podcast platform - don't miss an episode!Thanks for listening to URMIA Matters!

Lance Roberts & Danny Ratliff tackle questions directly from our YouTube chat, addressing financial issues you're most concerned about right now. From market volatility and rising bond yields to Federal Reserve policy, portfolio risk, and retirement planning — nothing is off the table. 0:00 INTRO 0:18 - Davos Headlines & Earnings Season Continues 3:14 - Markets Sell-off 8:28 - Weekend Review & Open Q&A 9:29 - How High Can 10-Year Treasury Yields Get? 13:45 - The De-Globalization Myth Debunked 17:00 - Focus on Total Returns at 71? 20:49 - How Do You Lower Taxes in Retirement? 23:59 - We Need More Value in Our Money 28:32 - Will Roth Rules Ever Change? 32:30 - Is Lance Bullish or Bearish? 33:56 - The Government is Not Broke 36:05 - Means Testing & High Tax States for Roth 38:00 - UGMA Investing for Kids 40:07 - Investing for 6-year Olds 42:54 - Risk Management for Young People 44:48 - Gold, Silver, & Fiat Currency Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Financial Advisor, Danny Ratliff, CFP Produced by Brent Clanton, Executive Producer ------- Watch Today's Full Video on our YouTube Channel: https://www.youtube.com/live/jFDHVzdwNdo ------- Watch our previous show, "Is a House Still a Good Investment in 2026?" here: https://www.youtube.com/watch?v=Su5euJk8tsc&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- The latest installment of our new feature, Before the Bell, "No Time to Panic" is here: https://www.youtube.com/watch?v=xhqZo9IvXTs&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Get more info & commentary: https://realinvestm entadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #MarketVolatility #StockMarketToday #MarketCorrection #RiskManagement #InvestingDiscipline #InvestorQandA #MarketVolatility #FederalReserve #RetirementPlanning #PortfolioRisk

Today, we're diving into the often-overlooked power of alignment as a form of risk management and how designing your work around who you actually are can become a catalyst for resilience, satisfaction, and career longevity in 2026 and beyond.In countless conversations with women at different stages of their careers, I've realised that “working hard and following the rules” is no longer enough. With AI reshaping roles, restructures becoming more common, and traditional ladders breaking down, the safest strategy isn't to hustle harder, it's to get radically honest about your strengths, energy, and the kind of work that truly fits you.In this episode, I'm sharing why I believe 2026 is a pivotal foundational year, and how you can future-proof your career by aligning with your inherent strengths rather than constantly trying to upskill your way out of uncertainty. I'll also talk about the unconventional tool I've been working with, Human Design, and how it's helped my clients (and me) name our natural gifts, make decisions with more clarity, and step off the burnout hamster wheel.We'll walk through a simple, practical framework for setting aligned goals for 2026: from doing an honest review of 2025, to choosing one personal and one professional direction, to creating 90-day “experiments” that help you move forward without perfectionism. You'll hear real examples of where energy returned far exceeded effort—and where overloading the to-do list led to stagnation and frustration.Whilst my work is especially focused on professional women navigating pivots, leadership, and career crossroads, wherever you're based you can use this conversation to rethink how you're approaching the future of work. My hope is that by the end of 2026, you'll feel you spent your time and energy on what truly mattered, and that your work is more coherent with who you really are not who you've been told you should be.For all the show notes for this episode, head over to: https://siobhanbarnes.com/144

In this episode of the Your Health University Podcast, Jamie sits down with Matt Whitehead, Chief Ancillary Officer at Your Health, to unpack one of leadership's hardest realities: you rarely have all the information you want when decisions matter most.Drawing from decades of healthcare leadership experience, Matt explains how early decisions were driven almost entirely by gut, ethics, and urgency—long before real-time data existed. Together, they explore the balance between data and instinct, confidence and humility, decisiveness and recklessness.This conversation tackles real leadership tension: when waiting causes harm, when momentum matters more than perfection, and why doing nothing is often the most dangerous choice. Matt also shares a candid leadership failure, what it taught him, and how Your Health built a culture where mistakes are learning tools—not career-ending moments.If you lead people, teams, or systems—especially in healthcare—this episode reframes uncertainty not as a weakness, but as the proving ground of great leadership. www.YourHealth.Org

The old saying that you won't receive what you don't ask for definitely applies to college financial aid.  Nobody likes paperwork, but there's one critical financial aid form that unlocks access to more than $14 billion in nonfederal aid. Amy and Mike invited financial planner Brian Eyster to explain exactly what the CSS Profile is. What are five things you will learn in this episode? What is the CSS Profile, and how does it differ from the FAFSA? Do all private universities require the CSS? How can I find out which colleges? Which assets and which income(s) do you need to reveal or disregard? How do you value your farm, business, and real estate, and how do you discount the values properly with documentation? Are you able to amend the CSS after submission? MEET OUR GUEST Brian Eyster, CCFS®, ELA™, LIC, is the visionary founder of the G.R.A.D. Process™, a groundbreaking system created to help families navigate the challenge of paying for their children's college education without sacrificing their retirement goals.  Over his 27-year career, Brian has developed a profound understanding of the financial needs of families. His personal experiences with college planning for his own kids have shaped his approach to wealth management, risk mitigation, resource allocation, and college funding strategies.   As a highly sought-after speaker, Brian shares his knowledge on Creative Funding for College, Cash Flow Design, Income Planning, Risk Management, and Tax-Advantaged Strategies. Clients trust and respect Brian for his commitment to delivering exceptional service. Brian lives in Metro Detroit with his wife, two kids, three cats, and enough guitar and softball equipment to last three generations. Brian can be reached at https://essentialstrategies.net. LINKS CSS Profile How to Complete the CSS Profile Participating Institutions and Programs FHFA House Price Index® Datasets How Student Loans Secretly Sabotage Your Financial Future College Planning With Brian Eyster RELATED EPISODES WHAT YOU NEED TO KNOW ABOUT THE FAFSA AND CSS PROFILE THE BETTER FAFSA FOR NEW AND PREVIOUS FILERS WHAT DO FEDERAL POLICY CHANGES MEAN FOR FINANCIAL AID? ABOUT THIS PODCAST Tests and the Rest is THE college admissions industry podcast. Explore all of our episodes on the show page. ABOUT YOUR HOSTS Mike Bergin is the president of Chariot Learning and founder of TestBright, Roots2Words, and College Eagle. Amy Seeley is the president of Seeley Test Pros and LEAP. If you're interested in working with Mike and/or Amy for test preparation, training, or consulting, get in touch through our contact page.

The nature-based carbon removals industry is undergoing a scientific and technological transformation to restore credibility in the voluntary carbon market. In this episode, host Eklavya Gupte speaks with Santiago Canel Soria, senior price reporter at S&P Global Energy Platts, about how project developers are deploying advanced monitoring systems and rigorous methodologies to address past market challenges as corporate buyers demand higher integrity offsets. Santiago speaks with Saif Bhatti, CEO of Renoster, and Christopher Kilner, head of biosphere science at Isometric, who explain how scientific advances and risk-management strategies are establishing nature-based removals as a credible, scalable, and cost-effective pillar of the VCM. The discussion covers the role of insurance in carbon markets, the challenge of operationalizing rigorous science at scale, and why nature-based solutions remain essential for corporates with net-zero targets. Related content: Platts Carbon Credit Price Assessments Carbon Markets Specifications Guide  Voluntary carbon markets: how they work, how they're priced and who's involved Price Assessments (Subscriber content): Platts CRC ACRCA00 Platts Biochar, US ATCCA00 Platts  Biochar, India INBCY00 Platts Blue Carbon AJLUB00

Rob Hughes — CISO at RSA and Champion of a Passwordless FutureNo Password Required Season 7:  Episode 1 - Rob HughesRob Hughes, the CISO at RSA, has more than 25 years of experience leading security and cloud infrastructure teams. In this episode, he reflects on his unconventional career path, from co-founding the original Geek.com and serving as its Chief Technologist during the early days of the internet, to leading security and systems design at Philips Home Monitoring.Jack Clabby of Carlton Fields, P.A. and Kayley Melton welcome Rob for a wide-ranging conversation on identity, leadership, and the realities of modern cybersecurity. Rob currently leads RSA's Security and Risk Office, overseeing cybersecurity, information security governance, and risk across both RSA's products and corporate environment.Rob explains his dream for a passwordless future. He unpacks why passwords remain one of the largest sources of cyber risk, how real-world incidents and password-spraying attacks have accelerated change, and why phishing-resistant technologies like passkeys may finally be reaching a tipping point.  The episode wraps with the Lifestyle Polygraph, where Rob lightens the conversation with stories about gaming with his kids, underrated horror films, and classic cars.Follow Rob on LinkedIn: https://www.linkedin.com/in/robert-hughes-816067a4/Chapters: 00:00 Introduction to No Password Required01:43 Meet Rob Hughes, CISO at RSA02:05 The Role of a CISO in a Security Company05:09 Transitioning to the CISO Role08:00 The Early Days of Geek.com12:14 Launching a Startup During the Dot Com Boom14:30 The Push for a Passwordless Future18:21 Tipping Point for Passwordless Adoption20:20 Ongoing Learning in Cybersecurity26:09 Managing Stress in High-Pressure Environments33:46 The Lifestyle Polygraph Begins34:15 Career Insights in Cybersecurity36:08 Dream Cars and Personal Preferences39:58 Underrated Horror Films41:19 Creating a Cybersecurity Monster

In most companies, budget season is a predictable exercise in "incrementalism," taking last year's numbers and adding a 5% bump. But what happens when leadership drops a bomb and says, "This year, we start from zero"?In this episode of Corporate Finance Explained on FinPod, we explore Zero-Based Budgeting (ZBB), a high-stakes financial framework in which every dollar must earn its right to exist. We unpack the mechanics of ZBB, the "Save to Grow" mindset, and the cautionary tales of companies that saved themselves into obsolescence.ZBB vs. Traditional Budgeting: The Logic FlipThe fundamental difference between ZBB and the status quo is a shift in perspective:Traditional Budgeting: Asks, "How much more or less do we need than last year?" It is comfortable, based on precedent, and often hides "historical entitlement."Zero-Based Budgeting: Asks, "If we were building this function from scratch today, what would we actually fund?" It treats every expense as discretionary and requires a strategic justification for every line item.The Mechanics: Decision Packages and Tiered FundingThe core engine of a successful ZBB program is the Decision Package. Rather than funding a department, leadership funds specific activities using a three-tiered approach:Minimum Level: The "keep the lights on" spend. The bare minimum required for operations and regulatory compliance. Current Level: Business-as-usual spending. Enhanced Level: Discretionary funding for innovation, R&D, and new customer acquisition.This framework allows leadership to make strategic trade-offs. For example, funding a "minimum" level for administration to prioritize "enhanced" funding for revenue-driving marketing.Case Studies: The Scalpel vs. The AxeKraft Heinz (The Warning): Following a 2015 merger, the company applied a "ruthless" ZBB model. While margins shot up instantly, they cut too deeply into R&D and brand-building. The result was massive brand erosion and billions in write-downs. Unilever (The Blueprint): In response to market pressure, Unilever adopted a "Save to Grow" ZBB model. They targeted specific SG&A categories but "ring-fenced" strategic areas like innovation. Savings were immediately reinvested in the business, proving that ZBB can be a tool for growth, not just austerity.The Role of FP&A: From Scorekeeper to ArchitectWithout a strong Financial Planning & Analysis (FP&A) team, ZBB is just a spreadsheet exercise. In a ZBB environment, FP&A professionals must:Define Cost Drivers: Moving away from "last year's bill" to metrics like transaction volume or headcount.Assign Ownership: Ensuring the person who owns the activity is the one defending the spend.Differentiate Costs: Protecting "Change the Business" costs (future investments) from being swallowed by "Run the Business" costs (daily operations).

Innovation occurs across many areas, and compliance professionals need not only to be ready for it but also to embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning #InnovationinCompliance podcast. In this episode,  host Tom Fox welcomes guests Bill Sanders, Olivia Storelli, and Andrew Stevens to explore the theme 'From Hierarchy to High Performance' in the context of AI and corporate governance. They take a deep dive into the critical role of AI governance, highlighting its importance for accountability and competitive advantage, and stress the need for decentralized, automated governance to ensure fair and unbiased outcomes. The discussion also covers the interplay between leadership, accountability, and culture in achieving AI success, and outlines the three primary functions of AI: customer relationships, operations, and business models. The episode emphasizes the need for execution over ambition for AI value creation and addresses how legal and compliance professionals can keep pace with the rapidly changing business environment through AI. Key highlights: The Importance of AI Governance Distributed Governance and Compliance AI's Impact on Business Models and Operations Decentralization and High Performance Resources: Download the AI Executive Whitepaper: Text the word PLAYBOOK to 415.960.1161.  or Visit https://whitepaper.download/ Websites https://roeblingstrauss.com/ https://www.sakurasky.com/ • LinkedIn  LinkedIn: Bill Sanders LinkedIn: Olivia Storelli LinkedIn: Andrew Stevens Books: From Hierarchy to High Performance by Bill L. Sanders Hot or Hype is a podcast hosted by Olivia Storelli and Andrew Stevens Innovation in Compliance was recently ranked 4th among Risk Management podcasts by 1,000,000 Podcasts.

In this episode, Ricardo warns against a common mistake in organizations: believing that more tools and software mean more maturity. Many companies invest in expensive platforms, dashboards, and impeccable reports, but continue to make poor decisions. Tools don't create maturity; they only highlight what already exists. If there is no prioritization, clear criteria, and decisions, technology only organizes the confusion. Teams end up spending more time feeding systems than thinking about projects. Abundant indicators do not compensate for the absence of priorities. Maturity is not about having the best software, but about knowing who decides, based on what criteria, and what changes when something deviates from the plan. Without this, any tool becomes just a digital ornament. Listen to the podcast to learn more!

Neste episódio, Ricardo alerta para um erro comum nas organizações: acreditar que mais ferramentas e softwares significam mais maturidade. Muitas empresas investem em plataformas caras, dashboards e relatórios impecáveis, mas continuam tomando decisões ruins. Ferramentas não criam maturidade; elas apenas evidenciam o que já existe. Se não há priorização, critérios claros e decisões, a tecnologia só organiza a confusão. Times acabam gastando mais tempo alimentando sistemas do que pensando nos projetos. Indicadores abundantes não compensam a ausência de prioridades. Maturidade não é ter o melhor software, mas saber quem decide, com base em quais critérios e o que muda quando algo sai do plano. Sem isso, qualquer ferramenta vira apenas um enfeite digital. Escute o podcast para aprender mais!

In corporate development and finance, the excitement of an acquisition often masks the underlying risks. Financial Due Diligence (FDD) is the structured investigation into a company's total financial health. It is the crucial "forensic" step that moves a deal from celebration to investigation, determining whether a transaction is a winning strategy or a multi-billion dollar mistake.The 5 Pillars of Financial Due DiligenceTo assess risk and validate value, finance teams focus on five critical areas in the financial data room:1. Quality of Earnings (QoE)This is the bedrock of FDD. It separates "accounting profits" from repeatable, sustainable core performance. Teams look for Normalization Adjustments, stripping away one-time legal settlements or non-market salaries to find the true Adjusted EBITDA.2. Revenue and Customer AnalysisHigh revenue numbers can be deceiving. Analysts dig into:Customer Concentration Risk: If one customer accounts for 40% of revenue, the valuation must be discounted due to instability.Churn Rates: Understanding why customers leave and how long they stay.Revenue Quality: Differentiating between recurring contracts and one-time projects.3. Working Capital and Cash Flow HealthThis pillar determines if paper profits convert to usable cash. Red flags include:Accounts Receivable Aging: Customers paying slower and slower, masking potential bad debt.Inventory Turnover: Massive buildups that suck cash out of the business without guaranteed future sales.4. Debt and Off-Balance Sheet ItemsLurking "landmines" can blow up deal economics. Analysts search for:Pending litigation or unknown tax exposures.Underfunded pension liabilities.Environmental cleanup costs.5. Forecast AssessmentEvery target company presents a "conservative" growth story. FDD stress-tests these assumptions by modeling the unit economics (e.g., Customer Acquisition Cost vs. Lifetime Value) and building conservative "downside" scenarios.The Role of FP&A: The Bridge to IntegrationIf you are in FP&A, your role is pivotal. You are the bridge between historical numbers and the forward-looking plan. Your team must:Tear apart growth claims: If a company claims 20% growth, what is the required hiring plan and CapEx?Scrutinize Synergies: Cost synergies (office closures) are reliable; revenue synergies (cross-selling) are highly speculative and should be heavily discounted in models.Final Strategic ThoughtFDD is not a box-checking exercise; it is the firewall that protects shareholder value. Master it by prioritizing the Quality of Earnings and never letting deal enthusiasm override forensic investigation.

In this hour of VSiN PrimeTime, hosts Tim Murray and Matt Youmans are joined by Jeff Sherman, VP of Risk Management at Westgate Superbook, to discuss betting the NBA, Golf, and NFL Playoffs. Tim and Matt also preview and give live updates of tonight's College Basketball slate, and preview the NFL Playoffs. Also, joining the show is Aaron Moore, VSiN Contributor, to talk NFL Playoffs and College hoops.Get instant access to expert picks, public betting splits data, and pro betting tools when you join VSiN pro. Grab your first month for only $9.99 or take over $60 off an annual subscription when you use promo code: SUPER. Click Here to get started. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Everyone is clamouring to integrate AI into their businesses and personal lives, but our guest today is concerned that some AI companies aren't taking the necessary steps to protect personal data. Thankfully a privacy-centric option does exist, through Telegram, and today's company is helping to build it.Brittany Kaiser is the CEO of AlphaTON Capital (ATON), the world's leading technology public company scaling the Telegram super-app, with an addressable market of a billion plus monthly active users. Brittany is a globally recognized expert at the intersection of digital assets, public policy, and the capital markets. She's spent her career guiding companies and governments through technological and legislative changes. Brittany joins us today to walk us through her incredible career, demystify the Telegram ecosystem, and explain AlphaTON's myriad strategies for value creation.  Highlights:Brittany's career (2:26)The Telegram Ecosystem (4:23)What is TON? (9:21)AlphaTON's Growth Strategy (13:44)A Treasury and More (19:38)Brittany's Approach to Risk Management (20:38)Evolution of Privacy Centric AI (23:40)The AlphaTON Management Team (27:56)Links:Brittany's LinkedInAlphaTON LinkedInAlphaTON WebsiteICR LinkedInICR TwitterICR Website Feedback:If you have questions about the show, or have a topic in mind you'd like discussed in future episodes, email our producer, joe@lowerstreet.co.

Jesse is joined by Jeremy Keil—Certified Financial Planner, Chartered Financial Analyst, author of Retire Today, and host of the Retirement Revealed podcast—for a wide-ranging conversation that reframes how people should think about retirement decisions long before and long after the final day of work. Together, they explore why most people retire earlier than planned, why longevity is so often misunderstood, and how flawed assumptions about life expectancy, Social Security, and taxes can quietly undermine otherwise solid plans. Jeremy introduces the concept of "retirement longevity" as both when retirement starts and how long it may last, emphasizing the importance of personalized life expectancy modeling, joint longevity for couples, and treating Social Security as insurance rather than an investment. The discussion also dives deep into Jeremy's five-step Retirement Master Plan—starting with spending, then income, tax planning, investing, and legacy—highlighting why tax strategy and Roth conversions are often the most powerful yet overlooked levers in retirement planning. Throughout the episode, Jesse and Jeremy blend technical insight with behavioral clarity, addressing the emotional hurdles retirees face, from fear of running out of money to the identity shift from saver to spender, ultimately offering a grounded, practical roadmap for building confidence and clarity in retirement. Key Takeaways: • Average life expectancy statistics are misleading for near-retirees. Personalized longevity estimates are far more useful than population averages. • Couples must plan around joint life expectancy, not individual longevity. • Current take-home pay is a practical proxy for estimating retirement lifestyle spending. • Roth conversions are situational tools, not universally good strategies. The timing and size of Roth conversions matter as much as the decision to do them. • Many retirees struggle emotionally with shifting from saving to spending. The healthiest mindset shift is from "saver" or "spender" to lifelong "planner." Key Timestamps: (01:41) – Understanding Fixed Indexed Annuities (07:30) – Roth Conversion and Annuities: A Critical Look (10:55) – Dividends and Income in Retirement Planning (17:34) – Retirement Longevity and Planning (28:06) – Understanding Life Expectancy in Retirement Planning (32:06) – Comprehensive Retirement Planning (33:02) – The Five Steps to Create Your Retirement Master Plan (38:52) – Tax Planning and Roth Conversions (47:12) – Emotional Hurdles in Retirement Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions:Website: jeremykeil.com LinkedIn: https://www.linkedin.com/in/mrretirement/ Mentions: Retire Today: Create Your Retirement Master Plan in 5 Simple Steps by Jeremy Keil https://www.youtube.com/@MrRetirement https://www.longevityillustrator.org/ https://keilfp.com/blogpodcast/ https://bestinterest.blog/dividends-and-income-withdrawal-rate/ https://bestinterest.blog/about-that-free-steak-dinner/  More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.  

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.This video drops you straight into a live trading session where real decisions are being made with real money on the line. No hindsight. No cherry-picking. Just walking through how trades are actually evaluated, filtered, and executed inside a U.S. Investing Championship portfolio.The session kicks off by laying out the context. This is Plan M, the most aggressive plan in the playbook. That matters because nothing gets added unless the market, the sector, and the stock are all aligned. Before even thinking about new trades, existing positions are reviewed first. If something needs to be reduced or closed, that happens before adding risk. That step alone separates disciplined traders from reactive ones.From there, the focus zooms out to the market. Trend structure, moving averages, ATR levels, and fear and greed data are all checked to see if the environment actually supports taking risk. The goal is not to predict. It's to listen to what the market is already saying. If the market is not in a position to support aggressive trades, nothing gets forced.Once the market looks solid, attention shifts to the sector level. This is where relative strength starts to matter. Sectors showing rising momentum, bullish breadth, and improving fear and greed scores move to the front of the line. Everything else gets ignored. Simplicity wins here.Only after those boxes are checked do individual stocks come into play. Each candidate is run through strict criteria around trend, buy signals, price levels, distance from order blocks, and liquidity. If even one piece doesn't line up, the trade is skipped without hesitation. There is zero emotional attachment to any ticker.You also get a clear look at how patience works in real time. Some setups are ready immediately. Others look promising but need more time to confirm. Instead of guessing, they're put on watch and revisited later. Waiting is part of the strategy, not a mistake.When a trade finally goes on, every step is intentional. Liquidity is checked first. Delta selection is deliberate. Extrinsic value is calculated. Position size is determined based on predefined risk, not gut feel. If capital is needed, it's raised by trimming existing positions rather than overextending the account.Here are some of the biggest takeaways from this session:✅ How Plan M stays aggressive without blowing up risk✅ Why market and sector alignment come before stock selection✅ How fear and greed data is used as confirmation, not prediction✅ What real liquidity rules look like when trading options✅ How entries, exits, rolls, and emergency stops are planned in advanceOne of the most important parts of this video is seeing trades marked on the chart immediately after entry. Entry zones, roll levels, stop losses, and emergency exits are defined upfront. That way, decisions don't have to be made under pressure later. This is how emotion gets removed from the process.If you've ever wondered what a professional, rules-based trading workflow actually looks like while the clock is running, this session shows it clearly. It's not flashy. It's not rushed. It's methodical, disciplined, and repeatable. That's the real edge.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

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Hayley Rosenlund's career is a masterclass in navigating the high-pressure world of Capital Markets while maintaining personal integrity. From her early days at the LSE to leading sales teams in London and Paris, and eventually transitioning to executive coaching, her journey offers profound lessons on resilience, the "producer" mindset, and the evolving landscape of global finance.In this episode of Careers in Finance on FinPod, we explore the grit required to move from a support role to a top producer, the financial reality of the gender pay gap, and how to redefine success when your values shift.Navigating the Capital Markets Career PathHayley spent over a decade at RBC Capital Markets, specializing in fixed income sales. Her progression highlights the mental toughness required to thrive on a trading floor.The Shift to "Producer": Moving from a graduate role to a producer is one of the most significant hurdles in finance. Hayley explains that success in sales isn't just about "pitching hard," it relies on active listening and authenticity. Understanding a client's balance sheet and liquidity needs requires letting them speak first.The Impact of Automation & AI: Hayley witnessed the transition from voice-negotiated trades to Electronic and Portfolio Trading. With banks now executing massive blocks of risk (sometimes over €1 billion in a single trade), the role of the salesperson has moved from pure relationship management to complex execution expertise.The Financial Reality of Gender ParityAs a vocal advocate for gender equality in finance, Hayley provides a candid look at why women often drop out before reaching senior leadership, despite equal hiring at the entry level.Structural Changes Needed: To narrow the gender pay gap, Hayley argues for a shift toward Parental Leave (rather than just maternity leave) to level the playing field for hiring managers. She also highlights the need for dedicated mentorship to help women navigate mid-career inflections.Success Redefined: The "90-Year-Old" FrameworkThe transition from a high-earning banking role to executive coaching was driven by a realignment of core values. Hayley shares a powerful construct for anyone considering a career pivot: The 90-Year-Old Question. Imagine yourself at 90 looking back at your life. What would make you feel proud? What contribution did you make? This focus on purpose over "self-image" is what allowed her to step away from the corporate ladder to focus on human-centric leadership and narrowing the gender gap.

What if the wake‑up call you’ve been avoiding is hiding in plain sight? In this episode, Charleston’s Retirement Coach Brandon Bowen shares a personal health scare that completely reframed how he thinks about procrastination—and how the same blind spots can undermine your financial life. From overlooked risks and excessive fees to overexposure in certain investments, he explains why regular financial “checkups” matter and how uncovering hidden issues can bring clarity and peace of mind. It’s a candid reminder that health and wealth both require attention before problems become urgent. Like what you hear? Get a second opinion today: bowenwealth.com Follow us on social media: YouTube | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Innovation comes in many forms, and compliance professionals need not only to be ready for it but also to embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning #InnovationinCompliance podcast. In this episode, host Tom Fox welcomes Angie McPhail to discuss the transformation of compliance from a regulatory function to a strategic business imperative. Angie shares her professional background, having led the Integrity and Compliance group for the Americas at Juniper Networks before its acquisition by HPE. Key discussions include the evolving role of compliance as a strategic influencer within organizations, the intersection of ethics and integrity with ESG, and the importance of trust in building effective compliance programs. Angie emphasizes the need for compliance professionals to understand business strategy, leverage technology, and build trust to drive sustainable growth. The talk also covers the future outlook for compliance leaders and provides advice on preparing the next generation of compliance professionals. Key highlights: Compliance as a Strategic Business Function Influence and Trust in Compliance Compliance as a Driver of Business Success Managing Reputational Risk Future of Compliance Leadership Resources: Angie McPhail on LinkedIn Innovation in Compliance was recently ranked 4th among Risk Management podcasts by 1,000,000 Podcasts.

In this episode, Ricardo reflects on his participation at CES 2026 through the lens of project management, highlighting a structural shift rather than new gadgets. Using LEGO's smart bricks as an analogy, he explains how projects today extend, not replace, traditional foundations by integrating data, AI, and digital capabilities. He highlights Project AVA, a holographic AI advisor, as an example of projects becoming complex ecosystems where hardware, software, data, governance, ethics, and security must work in harmony. From AI-powered consumer products to robotaxis like Zoox, projects now continue beyond delivery into ongoing operation. Ricardo concludes that project managers are evolving into value orchestrators who connect technological possibilities with meaningful, responsible value for organizations and society. Listen to the podcast to learn more!

Neste episódio, Ricardo compartilha os principais aprendizados da sua participação na CES 2026, destacando que o mundo entrou definitivamente na era da Physical AI, a combinação entre inteligência artificial e o meio físico. Ele usa o exemplo do smart brick da LEGO para mostrar que nenhuma empresa está imune à tecnologia e que projetos de transformação digital passaram a ser uma questão de sobrevivência estratégica. Outro destaque é o Projeto AVA, um holograma com IA e presença física, que transforma projetos em sistemas vivos, exigindo integração de hardware, software, experiência do usuário, ética e governança. A CES também evidenciou a presença da IA em produtos cotidianos, robôs e robótaxis como o Zoox. Ricardo conclui que o gerente de projetos evolui de executor para orquestrador de valor, conectando tecnologia, estratégia e sociedade. Escute o podcast para aprender mais!

Growing up in a frugal immigrant household, Ramit Sethi developed a scarcity-driven mindset and deep anxiety around money. After losing an investment in the stock market and studying both finance and psychology, he realized that most traditional financial advice ignores human behavior. Determined to break free from scarcity thinking, he rebuilt his relationship with money and began using it as a tool to design his own “rich life.” In this episode, Ramit shares how to rewire your money mindset, build wealth, and live a rich life. In this episode, Hala and Ramit will discuss: (00:00) Introduction (02:19) His Background and Early Money Lessons (09:39) Starting a Finance Blog in College (15:25) What a “Rich Life” Really Means (19:55) Money Psychology and Invisible Scripts (24:33) Money Communication in Relationships (29:27) The Conscious Spending Plan Framework (42:08) Money Dials: Spending on What You Love (48:29) Building Wealth and Finding Your Dream Job (56:04) Saving Smarter and Earning More Ramit Sethi is a New York Times bestselling author of I Will Teach You to Be Rich and the host of Netflix's How to Get Rich. He has spent over 20 years teaching millions how to master personal finance, investing, and conscious spending. Ramit also hosts a finance podcast, Money for Couples, where he breaks down real-life money decisions through psychology-based frameworks. His work focuses on helping people design rich lives on their own terms. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Intuit QuickBooks - Start the new year strong and take control of your cash flow at QuickBooks.com/money  Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting   Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Resources Mentioned: Ramit's Book, I Will Teach You to Be Rich: bit.ly/IWTYTBR  Ramit's Podcast, Money for Couples: bit.ly/MFC-apple  Ramit's Show, How to Get Rich: iwt.com/netflix  Ramit's Website: iwillteachyoutoberich.com  Ramit's Instagram: instagram.com/ramit Ramit's LinkedIn: linkedin.com/in/ramitsethi Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Scalability, Risk Management, Financial Planning, Business Coaching

Ok, Ok - guys! We heard you all fan-girling out over Shaun Jackson's panel participation at the Asset Protection Executive Xchange (APEX) conference.....and we got him on the podcast! (you're welcome) In this episode, TalkLP Podcast Host Amber Bradley chats with Shaun Jackson, Executive Director of Risk Management for Panda Restaurant Group about artificial intelligence (AI) and how to use it for simple and complex tasks. YOU (yes, you) can get started using AI today by thinking about the examples and strategies that Shaun expertly articulates in this podcast! Take a listen (and a deep breath) - you can do it! This podcast episode is sponsored by a company that also prides itself on REAL talk about how AI solutions can benefit your entire organization AND it's actually affordable because it's not hardware-heavy. Need help with self-checkout? They've got that. Out-of-stocks? They've got it. Questions about real AI that is proven to work? Ask SAI. Find out more by visiting them at NRF's BIG Show booth 6668 or contact them here. SAI Group (Store-wide Active Intelligence) is a computer vision and GenAI company that provides comprehensive retail intelligence solutions. Founded in 2018, we partner with retailers to use AI technology for loss prevention, store safety, operational efficiency, and customer insights all from existing camera infrastructure. We do this using patent granted algorithms developed by us over years using real Retail data from global Retailers

"Going green" has transitioned from a PR commitment to a core financial strategy. For corporate finance teams, the challenge is no longer whether to invest in sustainability, but how to fund it while delivering long-term financial returns.In this episode of Corporate Finance Explained on FinPod,  we move past the buzzwords to explore the specific financial mechanics, specialized debt instruments, and ROI frameworks used to fund the global corporate energy shift.The Sustainability Toolkit: How Companies Fund the TransitionFinance teams have moved beyond simple carbon offsets to a sophisticated mix of capital tools:Green BondsThese work like regular corporate bonds, but the proceeds are strictly ring-fenced for eligible environmental projects (e.g., Apple's multi-billion dollar bonds for renewable supply chains). Because they attract a massive pool of ESG-mandated capital, they often result in a lower cost of borrowing. Sustainability-Linked Loans (SLLs)Unlike green bonds, the funds can be used for general corporate purposes. However, the interest rate is performance-based, tied to predefined KPIs (e.g., reducing CO2 emissions). If the company hits its targets, the interest rate drops. Power Purchase Agreements (PPAs)Long-term contracts (10–20 years) to buy renewable energy at a fixed price. This allows companies like Google and Meta to lock in energy costs and avoid fossil fuel volatility without the massive CapEx of building their own wind farms.+3The ROI Framework: Modeling the "Green" Business CaseTo approve these investments, finance teams use a five-pillar framework to calculate Net Present Value (NPV):1. Direct Cost Savings: Immediate P&L impact from energy efficiency and waste reduction (e.g., Walmart's $1B in annual energy savings).2. Risk Reduction: Sustainability initiatives reduce exposure to carbon taxes and regulatory penalties. In finance terms, this lowers the company's Risk Beta, allowing for a lower discount rate in valuation models.3. Capital Efficiency: Strong ESG performance lowers the Weighted Average Cost of Capital (WACC), providing a competitive edge in how the company finances itself.4. Revenue Growth: Accessing new customer segments and enabling premium pricing for sustainable products.5. Intangible Value: Enhancing brand equity and attracting top talent—harder to quantify but vital for long-term shareholder value.Case Studies: Strategy in ActionØrsted: Transformed from a fossil-fuel-heavy utility to a world leader in offshore wind by divesting old assets and aggressively raising capital through green bonds.Ford: Issued a $2.5B green bond specifically to fuel its EV transition (e.g., F-150 Lightning), signaling market credibility and securing cheaper financing.Microsoft: Applies the same rigor to carbon removal credits as it would to a multi-million dollar factory, analyzing ROI on direct air capture credits to hit its "carbon negative" goal.

On Jesse's 12th "Ask Me Anything" episode, he opens the year by tackling the questions that tend to surface when calendars turn and retirement feels closer than ever. He begins with a thoughtful exploration of whether "this is the year to retire," unpacking how sequence-of-returns risk, market valuations, spending accuracy, and portfolio construction matter far more than trying to guess the next market move, and why building flexibility—not perfect timing—is the real defense against early-retirement risk. From there, Jesse shifts to a practical and surprisingly nuanced discussion on getting kids and grandkids started in investing, weighing Roth IRAs, custodial accounts, and taxable strategies while emphasizing the twin lessons of earned money and compounding—and how to balance long-term discipline with making investing engaging and educational. He then addresses how portfolios should evolve as investors age and as assets grow, explaining why the glide path toward retirement is as much about risk capacity, risk need, and behavioral fit as it is about age, and why excess capital fundamentally changes how—and why—you take risk. He closes with a comprehensive walk through the key ages and milestones that shape a financial plan, from early adulthood to Social Security, Medicare, and required minimum distributions, giving listeners a clear mental map of when critical doors open and close. Throughout, Jesse blends technical insight with behavioral clarity, helping listeners not just answer financial questions, but build a durable way of thinking about decisions that will compound for decades. Key Takeaways:• The decision to retire is less about predicting markets and more about understanding cash flow, spending flexibility, and downside protection in the early years. • Writing down the rationale behind major investment decisions helps reduce future regret and emotional reactions. • Many retirees underestimate their spending, which can create false confidence in retirement readiness. • Teaching kids about investing works best when it combines earned income, parental matching, and simple, long-term strategies. • Excess capital changes the nature of investment decisions, allowing greater freedom without jeopardizing core goals. • Knowing the key financial ages—Social Security, Medicare, Roth rules, and required minimum distributions—helps investors anticipate decisions rather than react under pressure. Links:https://bestinterest.blog/should-retirees-sell-stocks-move-to-cash/ https://bestinterest.blog/great-investors-little-secret/ https://bestinterest.blog/rmds-sequence-risk-retirement-destruction/ https://bestinterest.blog/e87/ Wade Pfau's SRR Chart: https://www.bogleheads.org/forum/viewtopic.php?t=461168 https://bestinterest.blog/when-not-to-rebalance/ Key Timestamps:(03:51) – Smart and Dumb Reasons to Move to Cash (16:46) – Sequence of Returns Risk (20:47) – Spending and Lifestyle in Early Retirement (23:30) – Getting Kids Involved in Investing (26:10) – Tax Implications and Control of UGMA Accounts (30:38) – Investment Strategies for Financial Independence (36:44) – Rebalancing in Retirement (43:57) – Important Ages and Events in Retirement Planning Key Topics Discussed:The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques More of The Best Interest:Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

In this episode of URMIA Matters, host Julie Groves is joined by Frank Cella and Matt Miller of Marsh to explore the evolving risk landscape in higher education. The discussion dives into demographic shifts, cybersecurity threats, regulatory changes, and the growing complexity of compliance. They also examine financial sustainability, employment practices, liability, the impact of AI on institutions, and the “role of the risk manager.” With insights on enterprise risk management, creative risk financing, and strategies for building resilience, this conversation offers practical guidance for risk managers navigating today's “new normal.”  Show Notes Marsh White Paper: “Higher Education: Navigating the New Normal”  Guests  Frank Cella, Managing Director, Education Industry Leader - Marsh Matt Miller, Senior Vice President, Placement Specialist Education Market - Marsh Host Julie Groves, Director of Risk Services - Wake Forest University Connect with URMIA & URMIA with your network-Share /Tag in Social Media @urmianetwork-Not a member? Join ->www.urmia.org/join-Email | contactus@urmia.org Give URMIA Matters a boost:-Give the podcast a 5 star rating-Share the podcast - click that button!-Follow on your podcast platform - don't miss an episode!Thanks for listening to URMIA Matters!

Key Takeaways: Financial Independence: True freedom comes from relying less on traditional banks and systems. Building your own financial structure gives you more control and flexibility over your money. Using Assets Wisely: Wealthy people often borrow against what they own instead of selling it. This allows them to access cash while keeping their assets working for them. Managing Risk: It's important to protect your assets by not relying on just one company or institution. Spreading assets across different custodians helps reduce risk if one fails. Preparing for Market Downturns: Having cash on hand and a backup plan is critical during market crashes. Liquidity gives you options when others are forced to sell. Investing in High-Volatility Assets: Assets like Bitcoin can offer strong long-term returns, but they come with ups and downs. Smart investors balance the opportunity with careful risk management. Chapters: Timestamp Summary 0:00 Achieving Financial Sovereignty by Becoming Your Own Bank 3:43 Becoming Your Own Bank Through Bitcoin and Financial Engineering 8:51 Risk Management in Volatile Asset Investments 10:16 Managing Debt and Cash Flow with Asset-Backed Strategies 15:39 Building Financial Resilience Through Cash Buffers and Debt Management 21:28 The Importance of Slow and Intentional Dating 21:56 Strategies for Managing Investment Risks and Building Financial Independence 30:07 The Role of Violence in Socializing and Building Respect 32:28 Achieving Financial Security Through Strategic Asset Management   Powered by Stone Hill Wealth Management   Social Media Handles    Follow Phillip Washington, Jr. on Instagram (@askphillip)   Subscribe to Wealth Building Made Simple newsletter https://www.wealthbuildingmadesimple.us/   Ready to turn your investing dreams into reality? Our "Wealth Building Made Simple" premium newsletter is your secret weapon. We break down investing in a way that's easy to understand, even if you're just starting out. Learn the tricks the wealthy use, discover exciting opportunities, and start building the future YOU want. Sign up now, and let's make those dreams happen!   WBMS Premium Subscription   Phillip Washington, Jr. is a registered investment adviser. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and, unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance.

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.If trading has ever felt confusing, stressful, or way more emotional than you expected, this lesson is going to feel like a breath of fresh air. This video is all about money management and why it is the real skill that separates traders who survive from traders who quietly disappear. Not stock picks. Not predictions. Not hype. Risk management.This session from OVTLYR University picks up right where the earlier lessons left off. You have already talked about mindset, psychology, and building a trading plan. Now comes the part most people skip, even though it matters the most. How do you manage your money so one bad stretch does not knock you out of the game entirely?Right away, the conversation flips the way most people think about trading. You do not get to decide how much money you make on a trade. The market handles that. What you do control is how much you are willing to lose. That one shift in thinking changes everything about how trades are sized, managed, and emotionally handled.This is not a dry lecture. It is a real, back-and-forth class discussion about why traders struggle, how ego sneaks into decision making, and why focusing on profits too early almost always leads to bad outcomes. The message is simple but powerful. Trade risk first. Everything else comes second.About halfway through, the lesson really locks in on the ideas that make the biggest difference long term:✅ Why money management matters more than finding the perfect stock✅ How position sizing protects you from long losing streaks✅ What it really means to trade risk first✅ Why most traders fail even with decent strategies✅ How fear, greed, and ego quietly sabotage good plansA big portion of the video breaks down the Kelly Criterion. It sounds technical, but it is explained in a way that actually makes sense. You will see how it connects expectancy, win rate, and risk-to-reward into a single framework for sizing trades. You will also see why full Kelly is wildly aggressive and why most real traders scale it way down using fractional Kelly approaches like half, quarter, or even eighth Kelly.The honest takeaway here is refreshing. Just because math says you could risk more does not mean you should. Comfort matters. Sleep matters. Staying mentally clear matters. A position size that looks great on paper can still be a terrible idea if it keeps you glued to the screen or panicking over every tick.There is also a clear line drawn between trading and gambling. Gambling hopes. Trading plans. Trading tests ideas, understands that losses are inevitable, and sizes risk so those losses do not matter in the long run. That difference is subtle, but it is everything.If you have ever chased a hot stock, ignored your rules, or felt crushed after a losing trade, this lesson will resonate. It is practical, honest, and grounded in real trading experience. No fantasy returns. No get-rich-quick nonsense. Just the tools you actually need to manage risk, stay in the game, and build consistency over time.Gain instant access to the AI-powered tools and behavioral insights top traders use to spot big moves before the crowd. Start trading smarter today

Artificial intelligence adoption is accelerating without formal ownership as employees, customers, and patients integrate AI tools into daily decisions. Surveys from Gallup show 45% of U.S. employees use AI at work at least occasionally, while research cited by OpenAI indicates roughly 60% of American adults recently used AI for health-related questions. Zoho and Arion Research report that 41% of organizations have strengthened privacy measures after adopting AI, reflecting growing concern about data exposure and accountability. For MSPs, the shift places liability closer to the systems being used rather than the vendors supplying them.Trust in digital media is also eroding as AI-generated content becomes harder to distinguish from authentic material. Instagram CEO Adam Mosseri states that assuming photos or videos reflect real events is no longer reliable and suggests verification at the point of capture rather than labeling generated content. This approach reframes trust as a technical system rather than a social assumption. For IT providers, the issue extends beyond social platforms to security footage, compliance evidence, training data, and any asset where authenticity must be demonstrated.At the same time, automation and AI training are converging on the same constraint: expert judgment. HireArt's 2025 AI Trainer Compensation Report shows subject-matter experts earning $60 to more than $180 per hour, compared with under $20 for generalist data labelers, reflecting the cost of errors in regulated or technical fields. Kaseya's 2025 EMEA MSP Benchmark Report finds that while nearly 75% of MSPs expect revenue growth, 45% face staffing and skills shortages, increasing reliance on automation built on accurate data and curated exceptions.Major vendors are embedding judgment directly into platforms. ServiceNow's planned $7.75 billion acquisition of Armis expands asset classification and risk scoring within workflows. Freshworks' acquisition of FireHydrant integrates AI-driven incident management into ITSM. Google Cloud's revamped Partner Network shifts incentives toward outcome-based tiers beginning in 2026. For MSPs and IT service leaders, these moves concentrate responsibility around interpretation, governance, and accountability, even as tools increasingly define risk and success.Four things to know today00:00 Surveys Show AI Adoption Is Happening Without Ownership as Employees, Customers, and Patients Lead Usage04:50 Instagram's CEO Says Trust Is No Longer Assumed as AI Forces Proof-of-Reality Models07:22 AI and MSP Automation Are Converging on the Same Bottleneck: Expert Judgment09:52 Vendors Shift From Tools to Judgement as ServiceNow, Freshworks, and Google Cloud Embed Risk, Incidents, and Outcomes This is the Business of Tech.    Supported by:  https://scalepad.com/dave/

Guest:  Trey Mauck, founder and CEO of Integrated Insurance Solutions, one of the top one hundred insurance agencies in the United States. Overview: The BIGGEST danger to a company's enterprise value isn't bad strategy. It's unmanaged risk hiding in plain sight. CEOs who view insurance as a "Nice to Have" need to look beyond the line item and start integrating risk management into their long-term growth plans. On today's show, Trey Mauck discusses how strategic risk management protects valuation, reduces disruption, and can become a competitive advantage on the way to Making BIG Happen.

In the first episode of 2026, Ricardo warns about the biggest mistake that ruins projects early in the year: saying yes to everything. January brings optimism, pressure for fast results, and a belief that everything is possible, leading to overloaded portfolios and teams working far beyond capacity. Projects are planned under unrealistic assumptions, confusing hope with real capacity. Failures don't happen at the end of the year, but at the beginning, when wrong choices are made. Strong projects start with focus, tough decisions, and renunciation. The key question is not what to start, but what not to do. Saying no early is less painful than canceling projects later. Projects fail not due to a lack of ideas, but an excess of promises. Listen to the podcast to learn more!

Join NAFI Director of Publications Beth Staton as she welcomes guest Dr. Victor Vogel to this episode of the More to the Story series of the More Right Rudder podcast. Vogel is a highly respected physician, CFI-I, NAFI board member, and prolific contributor to NAFI's publications. In this episode, Stanton and Vogel discuss his contributions to aviation safety focusing on human factors and mental health. Together they explore Vogel's recent Mentor article on loss of control inflight and his newly published book, A Pilot's Guide to Risk Management and Judgment. The conversation emphasizes the need for better training and awareness of mental health as a human factor in the aviation community to enhance safety and support for pilots. Vogel's new book is available now from your favorite bookseller. If you aren't already a NAFI member, join us today at https://nafimentor.org. Use code PODSAVE5 to save $5 on your NAFI membership. Thank yo to AOPA for sponsoring this episode.

Welcome back to the Alt Goes Mainstream podcast.Today's episode takes us inside the world of wealth from the perspective of one of the industry's largest alternative asset managers that has made the wealth channel core to its firm's DNA from the beginning.We sat down with Sean Connor, Senior Managing Director and the President & CEO of Global Private Wealth at Blue Owl Capital, a firm with almost $300B in AUM. Sean highlighted a number of key insights for navigating and working with the wealth channel as he shared lessons learned from building a successful private wealth business at a large alternative asset manager.Sean is responsible for bringing the breadth of the Blue Owl investment platform to the global private wealth market. He's at the forefront of Blue Owl's private wealth initiatives globally and oversees fund formation, product structure innovation, capital raising, and client servicing. He also oversees business development, marketing, and operations for Private Wealth at the firm. Prior to his current role, Sean was one of the first employees at Owl Rock (now the Direct Lending division of Blue Owl) and was responsible for building out the private wealth business.Prior to joining Blue Owl and Owl Rock, Sean served as a Managing Director of CION Investment Management for over 10 years. Sean was a member of CION's Investment Committee and was responsible for all aspects of CION's business including originating, underwriting, and negotiating corporate finance transactions globally. In 2020, Sean was recognized by Private Debt Investor as one of the industry's Rising Stars.Sean and I had a fascinating conversation about what it's like to work with the wealth channel. We discussed:The biggest drivers of AUM growth for Blue Owl and how the wealth channel has been a major part of the firm's story of scale.Lessons learned from growing and scaling a private wealth business in the US and internationally.The differences between the wealth channel a few years ago and the wealth channel today.What the wealth channel wants and needs from its alternative asset manager partners.Why Blue Owl focuses on investing in megatrends, like AI, digital infrastructure, and private credit.The opportunity in the 401(k) and retirement channels.Thanks Sean for coming back on the Alt Goes Mainstream podcast to share your expertise and wisdom on private markets and private wealth.Show Notes00:00 Introduction to Ultimus, our Sponsor01:57 Welcome to the Alt Goes Mainstream Podcast and Episode Overview02:10 Guest Introduction: Sean Connor04:07 Growth Drivers for Blue Owl04:45 Diversification and Market Strategy05:17 Focus on Private Credit and Real Assets06:54 Brand Essence and Market Leadership11:25 Client Education and The Nest14:21 Implementation Challenges in Wealth Channel17:56 Customization in Wealth Management19:20 Product Structuring and Client Needs23:41 International Expansion and Market Strategy26:23 Building Brand Internationally28:01 Maintaining Entrepreneurial Culture28:42 Challenges and Success in Scaling30:38 Future Growth Areas in Wealth Business30:42 Evolution of the Wealth Business31:08 Expanding Product Strategies31:37 Growth Opportunities in the US Market32:23 Global Expansion and Execution33:01 Retirement Market Potential34:10 Bringing Parity to Retirement Ecosystem35:19 Challenges and Opportunities in Retirement35:39 Regulatory Changes and Education36:38 Long-Term Investment Strategies39:03 Private Credit and Direct Lending40:47 Market Structure and Underwriting43:47 Competition and Market Share45:54 Private Companies and Direct Lending47:56 Digital Infrastructure and AI50:18 AI Bubble Concerns51:46 Risk Management in Digital Infrastructure55:11 Focus on Downside Protection56:12 Future Investment Strategies57:23 Excitement for the Future59:13 Closing RemarksEditing and post-production work for this episode was provided by The Podcast Consultant.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.

No primeiro episódio de 2026, Ricardo alerta para o maior erro que arruína projetos no início do ano: dizer sim a tudo. Janeiro traz otimismo, pressão por resultados rápidos e a crença de que tudo é possível, levando a portfólios sobrecarregados e equipes trabalhando muito além da capacidade. Os projetos são planejados sob premissas irreais, confundindo esperança com capacidade real. Os fracassos não acontecem no final do ano, mas no início, quando escolhas erradas são feitas. Projetos sólidos começam com foco, decisões difíceis e renúncia. A questão fundamental não é o que começar, mas o que não fazer. Dizer não no início é menos doloroso do que cancelar projetos mais tarde. Os projetos fracassam não por falta de ideias, mas por excesso de promessas. Escute o podcast para aprender mais!

In corporate finance, we often focus on balance sheets, cash flow, and NPV. However, there is an "invisible factor" that dictates whether those numbers hold up: Corporate Culture. While it doesn't have a line item, culture acts as either a precision tool for financial discipline or a toxic liability that destroys enterprise value.In this episode of Corporate Finance Explained, hear how to move culture from the HR office to finance, exploring how trust, psychological safety, and accountability translate into hard dollars and cents.The 4 Financial Levers of CultureA strong culture isn't just about "feeling good" it's a performance multiplier that impacts the bottom line through four direct channels:Productivity & Execution: High-trust cultures move with incredible velocity. By cutting through bureaucratic "sign-off" layers and blame-avoidance, high-trust teams can reduce decision cycle times by up to 40%, accelerating time-to-market.Decision-Making Quality: Healthy cultures encourage "robust debate." When employees feel safe to voice concerns (Psychological Safety), leadership avoids the catastrophic blind spots that lead to failed mergers or flawed product launches.Cost of Human Capital: Employee turnover is a massive recurring expense. Replacing an employee can cost 50% to 150% of their salary, but the hidden costs—lost institutional knowledge and training dips—are even higher.Risk Management & Compliance: Fear-based cultures suppress bad news. A culture that encourages surfacing risks early lowers the company's risk profile, directly reducing the Cost of Capital (the interest rates you pay) demanded by lenders.Culture in Strategy: Accuracy, Discipline, and InnovationCulture fundamentally changes how a company executes its financial planning and growth:Forecast Accuracy: Transparent cultures provide cleaner, earlier data. Surfacing a risk is rewarded, leading to fewer "end-of-quarter" surprises.Cost Discipline: Cultures of high accountability drive Zero-Based Budgeting (ZBB), moving away from "entitlement spending."Innovation: Real innovation requires the safety to fail. If failure is punished, employees only pursue safe, incremental ideas, stifling disruptive growth.Resilience: During market shocks, trust enables rapid cost-cutting and resource reallocation that low-trust competitors cannot match.Case Studies: Triumphs and TragediesNetflix (Success): Their "Freedom & Responsibility" model enabled massive capital shifts from DVDs to streaming via extreme strategic agility.Google (Success): Psychological safety powers an R&D engine that prunes failing projects early, saving billions in "sunk costs."WeWork (Failure): A culture of unchecked exuberance ignored financial controls, erasing tens of billions in paper value.Theranos (Failure): Suppression of dissent led to massive misstatements and total corporate obliteration.The Finance Professional's Cultural DashboardFinance teams should track cultural health using these granular data indicators:Turnover by Function: High churn in Internal Audit or Compliance is a massive red flag. Forecasting Behavior: Are teams "padding" budgets to create easy beats? This is a symptom of low trust. Project Delivery Metrics: Consistent delays in cross-functional handoffs often signal a collaboration problem, not a funding one. Ethical Indicators: Spikes in whistleblower reports or audit findings are leading indicators of catastrophic financial risk.

Innovation comes in many forms, and compliance professionals need not only to be ready for it but also to embrace it. Join Tom Fox, the Voice of Compliance, as he visits with top innovative minds, thinkers, and creators in the award-winning Innovation in Compliance podcast. In this episode,  host Tom welcomes Cristina DiGiacomo, founder of 10P1 Inc. Cristina has an extensive background in communications, business, and practical philosophy. Cristina introduces her '10+1 Commandments', a set of ethical guidelines for human interaction with artificial intelligence. They discuss the compelling need to integrate these principles into business compliance and governance frameworks. The commandments aim to provide a high-level, universal, and perpetual moral code that addresses the risks and ethical considerations of AI in the corporate world. Cristina emphasizes the importance of maintaining ethical AI practices amidst the evolving regulatory landscape. Key highlights: Philosophy in Everyday Life Ancient Wisdom and Modern Application The 10+1 Commandments Explained Applying the Commandments in Business Governance and Ethical AI Resources: Cristina DiGiacomo on LinkedIn Website-10+1  Innovation in Compliance was recently ranked the 4th podcast in Risk Management by 1,000,000 Podcasts.

Jade Warshaw and her husband once found themselves buried under $460,000 in debt, a weight that revealed the emotional patterns sabotaging their financial decisions. Despite their best efforts, no amount of saving or financial planning could break the cycle. It wasn't until they tackled the mindset and emotions driving their choices that they finally eliminated their debt and gained true financial freedom. In this episode, Jade uncovers the emotional traps that prevent people from building lasting wealth, and shares how you can break the cycle to achieve your financial goals in 2026 and beyond. In this episode, Hala and Jade will discuss: (00:00) Introduction (02:38) Emotional Barriers to Financial Success (08:10) Taking Responsibility for Your Finances (10:05) Unpacking Viral Money Trends and Mindsets (18:54) Financial Red Flags and Emotional Traps (26:25) Emotional Audit: Identifying Financial Behaviors (32:25) Navigating Shared Finances in Relationships (42:08) Entrepreneurs' Biggest Money Mistakes (46:46) The Financially Responsible Money Checklist (50:04) Raising Kids With Healthy Money Values (55:27) Achieving Financial Peace and 2026 Goals Jade Warshaw is a debt elimination expert, finance coach, and bestselling author. As a co-host of The Ramsey Show, the second-largest talk radio show in America, she helps people pay off debt and build wealth by teaching them how to shift their mindset and actions around money. Jade's latest book, What Nobody Tells You About Money, provides practical strategies for addressing the emotional barriers that prevent financial freedom. Sponsored By: Indeed - Get a $75 sponsored job credit to boost your job's visibility at Indeed.com/PROFITING  Shopify - Start your $1/month trial at Shopify.com/profiting.  Spectrum Business - Visit Spectrum.com/FreeForLife to learn how you can get Business Internet Free Forever. Northwest Registered Agent - Build your brand and get your complete business identity in just 10 clicks and 10 minutes at northwestregisteredagent.com/paidyap Framer - Publish beautiful and production-ready websites. Go to Framer.com/profiting and get 30% off their Framer Pro annual plan. Intuit QuickBooks - Start the new year strong and take control of your cash flow at QuickBooks.com/money  Quo - Run your business communications the smart way. Try Quo for free, plus get 20% off your first 6 months when you go to quo.com/profiting   Working Genius - Take the Working Genius assessment and discover your natural gifts and thrive at work. Go to workinggenius.com and get 20% off with code PROFITING Resources Mentioned: Jade's Book, What Nobody Tells You About Money: bit.ly/WNOTYAM  Jade's Instagram: instagram.com/jadewarshaw  The Ramsey Show: ramseysolutions.com Active Deals - youngandprofiting.com/deals  Key YAP Links Reviews - ratethispodcast.com/yap YouTube - youtube.com/c/YoungandProfiting Newsletter - youngandprofiting.co/newsletter  LinkedIn - linkedin.com/in/htaha/ Instagram - instagram.com/yapwithhala/ Social + Podcast Services: yapmedia.com Transcripts - youngandprofiting.com/episodes-new  Entrepreneurship, Entrepreneurship Podcast, Business, Business Podcast, Self Improvement, Self-Improvement, Personal Development, Starting a Business, Strategy, Investing, Sales, Selling, Psychology, Productivity, Entrepreneurs, AI, Artificial Intelligence, Technology, Marketing, Negotiation, Money, Finance, Side Hustle, Startup, Mental Health, Career, Leadership, Mindset, Health, Growth Mindset, Personal Finance, Stock Market, Scalability, Investment, Risk Management, Business Coaching, Finance Podcast

We'd love to hear from you. What are your thoughts and questions?In this conversation, Kent Ritter shares his journey from a management consultant to a successful real estate investor, emphasizing the importance of family, partnerships, and strategic decision-making in business. He discusses the pivotal moment that led him to leave the corporate world, the lessons learned while scaling his multifamily business, and the significance of bringing property management in-house. Kent also highlights the value of hiring the right people and creating a strong company culture, as well as innovative approaches to property renovations.Main Points:The decision to leave a corporate job was driven by a desire for family time.Scaling a business requires effective partnerships and delegation.Long-term thinking is crucial in real estate investments.Bringing property management in-house can enhance performance.Hiring the right people is essential for business success.Company culture should align with core values.A one-day renovation process can be efficient and cost-effective.Understanding risk-adjusted returns is key to successful investing.Avoiding bad deals can save significant money in the long run.Success in real estate often comes from steady, incremental growth.Connect with Kent Ritter:kent@hudsoninvesting.comhttps://hudsoninvesting.com/https://www.linkedin.com/in/kentritter/https://www.instagram.com/ritteronrealestate/ https://www.youtube.com/@ritteronrealestate495

How can AI weather models improve the accuracy and scale of catastrophe modelling? Matthew Grant is joined by David Wood, Managing Director at JBA Risk Management, and Jochen Papenbrock, Head of Financial Technology (EMEA) at NVIDIA, to explore how accelerated computing is unlocking new ways to simulate and manage flood risk. JBA has long been a pioneer in flood modelling, while NVIDIA's GPU technology has helped drive the recent breakthroughs in AI and generative modelling. Together, they discuss how high-resolution simulations, new ensemble methods and open-source tools are pushing the limits of what's possible in climate and catastrophe analytics. Key Talking Points: The early bet – how JBA's adoption of GPU computing over a decade ago made national-scale flood mapping possible From gaming to GenAI – how NVIDIA's evolution from graphics to AI led to the development of physics-informed weather models Ensemble power – why running 1,000+ simulations helps capture more extremes than the historic record ever could Event sets reimagined – how AI models are enabling richer, more diverse flood scenarios for Europe and beyond Real-time relevance – the potential to use AI models to simulate how a flood might unfold, as it's happening Making AI usable – how Earth-2 Studio and open-source frameworks are opening up generative models to catastrophe modellers Proving value – how NVIDIA and JBA worked together to quantify the benefits of faster, more flexible modelling approaches Looking ahead – why cross-sector collaboration will be essential to turn acceleration into real-world impact If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn.  Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning.

This episode's guest is Dr. Mark Earnest, Division Head of Internal Medicine at the University of Colorado Anschutz Medical School. The conversation centers on the concepts of psychological size and psychological safety in medicine. Psychological size is described as a relational dynamic involving power and status within professional interactions. Psychological safety refers to creating an environment where people feel comfortable having open, honest conversations. Dr. Earnest shares stories that illustrate these concepts in the healthcare setting and emphasizes how leaders must be proactive in recognizing and managing power dynamics. In addition, he highlights the benefits of early education, how ongoing modeling of positive behaviors are essential, and that organizational culture set by leadership has measurable impacts on outcomes, satisfaction, and risk. Feedback or episode ideas email the show at wnlpodcast@copic.comDisclaimer: Information provided in this podcast should not be relied upon for personal, medical, legal, or financial decisions and you should consult an appropriate professional for specific advice that pertains to your situation. Health care providers should exercise their professional judgment in connection with the provision of healthcare services. The information contained in this podcast is not intended to be, nor is it, a substitute for medical diagnosis, treatment, advice, or judgment relative to a patient's specific condition.

In the tenth installment of the "Becoming the Protégé" series on Power Producers Shop Talk, host David Carothers sits down with Rich Bales of the Avanti Group to discuss his journey from medical device sales to becoming an agency owner and contestant on The Protégé Season 3. Rich shares his entrepreneurial story, detailing why he left a high-stress corporate career to build a business with more freedom and control. They also dive into the realities of starting in personal lines versus commercial, the power of risk management over selling policies, and why Rich believes his background in medical sales gives him a unique edge in targeting healthcare accounts. Key Highlights: From Corporate Grind to Agency Ownership Rich explains his transition from a demanding career in medical device sales to launching his own independent agency. Motivated by a desire for better work-life balance and tax advantages, he left behind the "golden handcuffs" of corporate quotas to build something sustainable for his family. Starting Where You Want to Finish David and Rich discuss the common advice given to new producers to start in personal lines. David challenges this notion, arguing that there is zero correlation between selling a $500 auto policy and closing a $25,000 revenue commercial account. Rich agrees, noting that while personal lines provided "at-bats," his goal is to move entirely into the commercial space. Risk Management vs. Selling Insurance The duo emphasizes that the most successful producers don't sell insurance—they sell risk management. David shares his strategy of opening meetings by explicitly stating, "This is not an insurance conversation," focusing instead on solving operational problems that naturally lead to the sale. Leveraging Past Experience Rich discusses his plan to target the healthcare vertical, utilizing his deep understanding of hospital administration and medical groups from his previous career. He and David explore how private equity is consolidating the space, creating opportunities for agents who can offer sophisticated risk management solutions rather than just transactional policies. The "Protege" Mindset When asked why he joined The Protégé, Rich admits he wants to be the "dumbest guy in the room" to maximize his learning. He views the competition not just as a contest, but as a priceless opportunity to steal best practices from top industry leaders and implement them immediately to scale his agency. Connect with: David Carothers LinkedIn Rich Bales LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp The Avanti Group Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes  

In this episode, the host interviews Brad Allen, an Amazon seller and entrepreneur, about his journey from eBay and retail arbitrage to building a successful Amazon FBA business. Brad shares how he sourced high-end European skincare products, overcame a major account suspension and $400,000 debt, and transitioned to private label. He highlights the importance of active business management, cash flow planning, and creativity. The episode concludes with actionable advice for Amazon sellers: stay hands-on, manage inventory and finances wisely, and innovate to stand out in the marketplace.Chapters:Introduction and Account Suspension (00:00:00)Brad is introduced; discusses his Amazon account suspension and overcoming $400K in debt.Early E-commerce Journey (00:00:33)Brad shares his start with eBay in childhood, selling household items, and his early exposure to e-commerce.Discovering Amazon FBA (00:01:11)Learns about Amazon FBA in 2012, transitions from eBay, and begins retail arbitrage with toys and other products.Corporate Career and Realization (00:02:19)Describes unfulfilling corporate jobs, getting fired, and joining a friend's epoxy flooring business in Ohio.Entrepreneurial Mindset Shift (00:03:34)Realizes he enjoys working for himself, which reignites his interest in e-commerce and Amazon.Deep Dive into Retail Arbitrage (00:04:36)Explores flipping products from eBay to Amazon, focusing on high-end skincare, and develops sourcing systems.European Skincare Arbitrage Strategy (00:06:45)Discovers sourcing high-end European skincare from overseas retailers, imports to the US, and sells on Amazon.Scaling and Living Abroad (00:08:54)Business grows; Brad moves to Buenos Aires and Africa, living a digital nomad lifestyle while running the business.Amazon Account Suspension Details (00:10:04)Explains the cause of his Amazon suspension—authenticity complaints and inability to provide manufacturer receipts.Lessons from Suspension and Financial Struggles (00:11:05)Discusses lessons learned: importance of active management, risk-taking, and not being complacent in business.Advice on Growth and Risk (00:11:48)Emphasizes reinvesting profits, financial planning, and the need for risk tolerance as an entrepreneur.Financial Intelligence and Risk Management (00:13:57)Stresses forecasting, living below means, and being prepared for the ups and downs of entrepreneurship.Three Actionable Takeaways (00:14:11)Host summarizes: 1) Active management and planning, 2) Cash flow and inventory management, 3) Creativity in the Amazon marketplace.Episode Wrap-up (00:16:43)Host thanks Brad, hints at a future episode, and closes the interview.Links and Mentions:Tools and Websites  EZSniperActionable Takeaways  Set an Annual Plan for Your Business: 00:14:11  Cash Flow Management: 00:15:04  Bring Creativity to the Amazon Marketplace: 00:16:15Transcript:Josh 00:00:00  Today I am super excited to introduce you to Brad Allen. I met him at Kevin King's, $1 Billion Seller summit, and he's going to have a lot of knowledge to share with us. I'm going to dive in like immediately to what was mentioned in your bio. You had your account suspended. You had you ran into 400 K of debt and loans, but you've kind of come out the other end and you're you're crushing it right now on Amazon. So tell me, Brad, what happened with the account suspension?Brad 00:00:33  So I, I was doing, retail arbitrage and I got, I got really into it. it it was actually kind of unique. It started off, where I was, I, I was really into eBay growing up, so I was always selling stuff, just like as a kid throughout the house, whether it was mine or not. I was grabbing, like, antiques from the basement and, like, selling stuff out of the garage. And I think that's where I got kind of, you know, introduced to e-commerce and kind of obsessed so that that kind of was always on the side.Brad 00:01:11  And I was doing that through grade school, high school, and then into college. And I learned about Amazon FBA and I think 2012. and as an eBay guy, it was like blew me away because I was, you know, the guy waiting in line at the, at the post office and having to deal with customers. So the fact that you could just send a bunch of items in and Amazon will ship it and take care of customer service was very appealing to me. So I started, I just started watching videos and the easiest way to start, which I don't know how many people really started out like this, but I'm sure some. But I was going into, you know, odd lots and Walmarts and just buying toys or whatever I could find. And essentially I was just kind of learning that process. so, you know, that was a good way to, like, get my feet wet into Amazon FBA. and then, you know, life kind of happened where that was put off to the side.Brad 00:02:19  I was in the corporate world for a while. not doing very well. I just, was not very passionate about what I was doing, and, I got a call from a buddy. I was living in South Florida. I'm from Ohio originally, and, I got fired from one job. You know, I was working for good companies. They were, like, fortune 500 companies. And I kind of noticed right away that the people that were successful were extremely passionate about the company, and they had just drank the Kool-Aid. And I just did. I just didn't care, really. I thought our products were overpriced, which is not the mentality that you want to have when you're trying to sell something. so I was just kind of, just doing enough not to get fired. And my friend, in Columbus had called me and said, hey, I just bought this epoxy coating company. So what we're doing is we're installing, like, showroom floors in garages. You know, the the garages in Columbus or the Midwest are all cracked and spoiled.Brad 00:03:34  so, you know, this was December and he was like, hey, I can't pay you that much, but, you know, this will be our company. and I'll share profits with you. So I wasn't really doing much. You know, in terms of growing personally or professionally, although I was in South Florida, which was pretty cool for for an Ohio guy. Sure. I took him up on it, and I remember it was December. I go from this cushy sales job in South Florida. Even though I didn't like it. And then all of a sudden, I am installing, garage floors in the suburbs of Columbus. In December, we're using, like, heaters to keep ourselves warm. And the funny thing was, I actually was enjoying it more, because it was ours. So that kind of, like, turned on the light that, you know, the way that I'm going to be successful is if I'm doing something for myself, like, or as a team. And that kind of drew me back to this e-commerce stuff.Brad 00:04:36  and like I was saying, I had learned about, the Amazon FBA and I had a this background in eBay. So I just kind of I remember in one of your podcasts, you were talking about how after work, you would go home and just watch videos. yeah. Because you, you know, you kind of saw that as a way out. But, you know, what you have to do is you have to put in the time. You know, even after a long day of work when most people are just watching TV or they want to decompress. I was just drawn to just scanning eBay, you know, looking at Amazon. And I was like, I was wondering if there was an opportunity for products that I could buy on eBay and flip on Amazon. And I kind of just somehow stumbled upon this, category of high end skincare. And I was noticing that there was these really, like, high end brands that were selling for, you know, almost nothing on eBay because, li...