Podcasts about risk mitigation

Is your private capital sitting on the sidelines making sub-par yields while inflation eats away at your cash balance? Welcome back to The Note Closers Show Podcast as we celebrate a massive milestone—9 years on the air! In today's episode, Scott Carson returns from a three-week trip through Minnesota and Wisconsin to break down a fresh tape of 55 performing hard money loans available for acquisition. Direct from a trusted Texas and Charlotte-based hard money lender looking to recycle capital for new originations, this portfolio offers short-term, double-digit yield opportunities for private note buyers. Scott walks step-by-step through the underlying asset classes, geographical distributions across the East Coast and Texas, and the operational advantages of buying pre-serviced, short-term debt. Scott also discusses the velocity of capital, explaining why leaving funds idle for months erodes net annualized returns and how short-term bridge notes provide a stable cash-flow vehicle while you queue up larger acquisitions. Key Topics Covered:9th Anniversary Milestone: Celebrating nine full years of broadcasting The Note Closers Show Podcast and empowering thousands of note investors nationwide. Tape Breakdown & Pricing Parameters: Evaluating 55 short-term performing hard money loans with principal balances ranging from $53,000 up to $1,000,000. Target Yields & Term Structure: Unpacking annualized interest rates between 10% and 15% with typical loan maturities running 6 to 18 months. Geographic Asset Distribution: Reviewing loan footprints across Alabama, Arkansas, Florida, Georgia, Indiana, Iowa, Louisiana, Michigan, Missouri, North Carolina, New Jersey, New York, Ohio, Oklahoma, Pennsylvania, South Carolina, and Texas. Lender Strategy & Capital Recycling: Why origination lenders sell performing paper at a 1-point funding fee to replenish loan capital for fresh origination demand. Built-in Risk Mitigation & Servicing: The operational benefits of utilizing third-party loan servicers and leveraging hard money lenders' built-in buyer networks in the event of default. Velocity of Capital Mechanics: Calculating real-world net ROI and avoiding drag on uninvested private reserves. Student Success Stories & Market Pipeline: Highlighting recent arbitrage deals, non-performing reverse mortgage acquisitions, and an upcoming pipeline of nearly 700 HUD/non-performing reverse mortgages. Upcoming Educational Masterclasses: Overview of the Virtual Note Buying Workshop (Sept 19–20, 2026) and the live Wholesaling Notes 101 Masterclass (Sept 26, 2026). Stop letting idle capital drag down your portfolio's performance! Take control of your investment velocity, evaluate these short-term performing notes, and keep your dollars generating consistent returns. Ready to review the tape, partner on deals, or get your capital working? Schedule a strategy call directly with Scott at talkwithscottcarson.com or reach out via email at scott@weclosenotes.com! To register for the upcoming Virtual Note Buying Workshop and receive access to the live Wholesaling Notes 101 Masterclass, head over to notebuyingfordummies.com or wholesalingnotes.com. Be sure to subscribe, leave a 5-star review, and share this episode with fellow investors!Watch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes Pinterest

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSee omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAW Money Making Conversations Master Class with Rushion McDonald is America's premier entrepreneurship, business leadership, financial literacy, and wealth-building podcast featuring successful entrepreneurs, executives, founders, celebrities, and industry experts sharing actionable insights for professional and financial success. Business Podcast Entrepreneurship Small Business Business Growth Financial Literacy Wealth Building Black Entrepreneurs Minority Business Leadership Executive Leadership Business Funding Marketing Strategies Personal Development Startup Advice Sales Training CEO Interviews Founder Stories Professional Development Economic Empowerment Business Success Networking Brand Building Innovation How to start a business Small business funding Entrepreneur success stories Business leadership podcast Wealth building strategies Black entrepreneur podcast Minority business development Marketing for small businesses Business growth strategies Startup funding opportunities Executive leadership training Financial literacy education Success mindset podcastSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Radhika Das, IFN Journalist, interviews Desislava Radeva, Executive Director, Structured Export Finance at Standard Chartered, on structuring Uzbekistan's first commodity Murabahah facility, the role of risk mitigation in frontier markets, collaboration between commercial banks and multilateral institutions, and the future of Islamic trade and structured finance.

CJ Konstantinos is Bitcoin mining expert and entrepreneur, building revolutionary mortgage products powered by sound money.› https://x.com/CJKonstantinos› https://www.peoplesreserve.comPARTNERS

Discover how embracing strict physical site constraints and moving from traditional open-plan layouts to an innovative "broken plan" design can unlock ultimate design freedom and preserve long-term property value.If you believe that great architecture should touch the soul and leave a permanent imprint on the people who inhabit it, this episode is required listening. In this conversation, I am joined by design-forward real estate developer Jason Boyer to deliver a masterclass on how physical site constraints can be leveraged to generate exceptional design breakthroughs. We place the focus directly on the shift from traditional open-plan residential layouts to the innovative concept of a "broken plan"—creating a space that feels right for you and allows a home to flow seamlessly from boundary to boundary while offering distinct pockets of absolute privacy and social scale.Core Architectural & Development InsightsThe "Broken Plan" Layout: Moving beyond traditional open-plan living to establish a design that connects with who you are, balancing shared social spaces with deep, acoustic privacy.The Four-Times Exit Formula: Unpacking the specific structural and financial metrics that govern high-end property development and land capitalization.Navigating Site Constraints: The precise engineering calculations used to depress living spaces into a sloped wash site, effortlessly working within a strict 20-foot municipal height limit while capturing eastern views of Camelback Mountain.Climate-Responsive Design: How intentional shade orientation, natural cooling breezes, and native vegetation transform a property into a responsive sanctuary that improves with age.Risk Mitigation & Asset ProtectionWe also discover a highly practical approach to asset protection and risk mitigation in real estate. Jason explains how retaining architectural documentation and establishing structured, programmed property management frameworks can protect long-term property values. Whether you are an aspiring developer looking to build your first investment capital pool or a homeowner wanting to optimize your primary suite layout, this conversation provides clear, actionable insights on the intersection of human biology, spatial control, and creating a place that feels deeply personal, functional, and alive. Hosted on Acast. See acast.com/privacy for more information.

In the western United States and Canada, this time of year is the beginning of peak wildfire season, a reality that's become impossible to ignore. In light of this, we're re-releasing my conversation with energy and climate policy expert Michael Wara on the future of wildfire management. Michael walks us through how we got here, why fires are burning bigger and more frequently, and what a smarter, more proactive approach to managing our landscapes might look like. Whether you're in a fire-prone region or simply paying attention to the changing climate around you, this one is well worth another listen. Have a question for Russ? Send it our way in writing or via voice memo, and it might be featured on an upcoming episode. Please introduce yourself, let us know where you're listening from, and share your question. You can send questions to thefutureofeverything@stanford.edu. Episode Reference Links: Stanford Profile: Michael Wara Connect With Us: Episode Transcripts >>> The Future of Everything Website Connect with Russ >>> Threads / Bluesky / Mastodon Connect with School of Engineering >>> Twitter/X / Instagram / LinkedIn / Facebook Chapters: (00:00:00) Introduction Russ Altman introduces guest Michael Wara, a wildfire expert and professor of law at Stanford University. (00:02:05) Journey to Wildfire Research How Michael's clean energy work led to wildfire research. (00:03:36) Communities at the Frontlines The community-level challenges and responsibilities in fire prevention. (00:05:53) Shifting Community Perspectives How awareness is rising but state efforts remain misaligned. (00:08:17) Legacy Homes, Modern Risk Why older homes pose a major risk and retrofitting is crucial. (00:09:55) Utility-Led Safety Limitations The significant but insufficient progress utilities have made. (00:13:23) Targeting High-Risk Areas How utilities now prioritize high-risk areas for safety upgrades. (00:14:30) Insurance Industry Realities Why insurers can't price risk without crashing markets. (00:17:19) Urban Wildfires How today's major fires in suburbs are mostly fueled by homes. (00:22:12) The Climate Change Multiplier The impact of atmospheric dryness and fuel moisture on fire risk. (00:24:45) New Fire Regulations Recent mandates that have been implemented to decrease fire risk. (00:28:17) Rethinking Wildfire Communication Why better messaging is key to changing homeowner behavior. (00:31:52) Conclusion Connect With Us:Episode Transcripts >>> The Future of Everything WebsiteConnect with Russ >>> Threads / Bluesky / MastodonConnect with School of Engineering >>>Twitter/X / Instagram / LinkedIn / Facebook Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

If you're creating a pitch deck for a film, TV series, startup, book, or other creative project, this episode breaks down one of the biggest improvements I've made to mine. I explain how to simplify the business side of your pitch into just three slides that communicate market demand, creative strategy, and risk mitigation—without overwhelming investors or decision-makers. Whether you're pitching producers, investors, studios, publishers, or partners, these principles can help make your presentation clearer, stronger, and more persuasive.Rather than cramming your deck with endless statistics, I share the framework I now use to demonstrate opportunity, explain my creative methodology, and show why my project is a smart investment. I also walk through an exercise you can complete this week to strengthen your own pitch deck before worrying about design or formatting.Topics Covered: Why most pitch decks overwhelm investors The three business slides every creative pitch deck needs How to present market demand without data overload Turning industry statistics into a compelling opportunity How to explain your creative methodology clearly The easiest way to de-risk your creative project Why comparable projects make your pitch stronger The brainstorming exercise that makes writing a pitch deck easierHere's your seven-day challenge: Create a "business dump" for your pitch deck. Spend 30–60 minutes listing every statistic, comparison, market insight, source, and proof point you can find. Organize them under three headings: Opportunity, Methodology, and Risk Mitigation. Don't design anything. Don't edit yourself. Just collect the raw material. By the end of the week, you'll have the foundation for three of the most important slides in your entire pitch deck.

In this episode David discusses how risk mitigation in procurement is about identifying, assessing, and reducing threats that could impact value for money, compliance, delivery, reputation, or operational continuity as you progress through the procurement lifecycle.

Radhika Das, IFN Journalist, interviews Ahmed Samir, Group Treasury Manager at Elsewedy Electric, on infrastructure exports, risk mitigation, trade finance and the role of insurance solutions in supporting expansion into developing markets

Radhika Das, IFN Journalist, interviews Zishan Iqbal, Manager for Asia Region in the Business Development Department at the Islamic Corporation for the Insurance of Investment and Export Credit, on trade and investment opportunities in Asia, risk mitigation and strengthening connectivity between Asian and OIC markets

Dr. Kassam explains how hormones, IGF-1, nitrates, and saturated fat in dairy and meat promote cancer growth and DNA damage. #CancerRiskFactors #DairyAndCancer #MeatAndCancer #NutritionMechanisms

Episode 3 of Rethinking EHS, Season 3 focuses on the transformation of risk management in a rapidly changing global environment. The discussion highlights how modern risks now spread faster than ever through interconnected supply chains, social media, workforce pressures, and geopolitical instability.  The episode also explores how organisations are using leading indicators, management systems, and predictive approaches to identify operational risks earlier, while integrating EHS considerations into due diligence, procurement, sustainability, and organisational change processes. Ultimately, the episode underscores that resilience depends on organisations proactively understanding risk, improving communication, and embedding risk management into every level of business decision-making. Rethinking EHS is brought to you by the Inogen Alliance. Inogen Alliance is a global network of 70+ companies providing environment, health, safety, and sustainability services, working together to provide one point of contact to guide multinational organizations to meet their global commitments locally. Visit inogenalliance.com to learn more. *** Guest quotes: Alizabeth Smith: “The risk they hadn't controlled, the risk they hadn't looked at, was cultural.” Alizabeth Smith: “If you don't deal with communication and consistency, people start believing the program will change in six months anyway.” *** Timestamps: 00:00:00 – Introduction to cultural risk management  00:00:33 – Case study: when strong systems still failed  00:01:25 – Identifying cultural breakdowns and lack of trust  00:02:46 – Communication silos in large organisations  00:03:55 – Building a global risk register and consistent controls  00:05:00 – Why onboarding and training often fall short  00:06:09 – Wearables, micro-training, and new approaches to engagement  00:07:27 – Executive incentives and unintended reporting behaviours  00:09:39 – Leading indicators versus lagging indicators  00:11:44 – Case study: transforming culture in a global manufacturing company  00:15:04 – Developing future EHS leadership internally  00:15:51 – Closing reflections  Sponsor Copy Rethinking EHS is brought to you by the Inogen Alliance. Inogen Alliance is a global network of 70+ companies providing environment, health, safety, and sustainability services, working together to provide one point of contact to guide multinational organizations to meet their global commitments locally. Visit inogenalliance.com to learn more. Produced by Madcontent.co.nz *** Links  https://Inogenalliance.com/resources https://Inogenalliance.com/podcast Keith on LinkedIn: https://www.linkedin.com/in/keith-knoke-27587a7 Alizabeth on LinkedIn: https://www.linkedin.com/in/alizabeth-aramowicz-smith-61618615/ Chris on LinkedIn: https://www.linkedin.com/in/chris-trim-51637831/

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

The wildfire risk mitigation company Technosylva helps utilities, insurers and government agencies predict where and when a fire could spark. It uses historical weather data to make those predictions and suggest changes to help prevent or mitigate a fire. For example, maybe moving a tree branch that's close to a power line so it doesn't fall and start a fire.The company is nearly 30 years old, and Technosylva's chief executive, Bryan Spear, explains how the advent of AI has changed the work they do.

The wildfire risk mitigation company Technosylva helps utilities, insurers and government agencies predict where and when a fire could spark. It uses historical weather data to make those predictions and suggest changes to help prevent or mitigate a fire. For example, maybe moving a tree branch that's close to a power line so it doesn't fall and start a fire.The company is nearly 30 years old, and Technosylva's chief executive, Bryan Spear, explains how the advent of AI has changed the work they do.

The court rules that fluoridation at .7ppm poses an unreasonable risk to children's IQ and mandates EPA action. #FluorideBan #CourtRuling #ChildIQ #EPAReform

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Josh Ferguson, Partner at Freeman Mathis and Gary LLP and 22-year insurance defense attorney, joins Phil to share legal insights from defending snow and ice management contractors nationwide. From handling salt shortages with proper contract language, to navigating multi-tier liability claims, to why lost text messages can sink a defense, Josh reveals why documentation is the foundation of legal protection, why the red pen approach works on client contracts, and why proactive general counsel work delivers the best ROI for contractors who want to avoid expensive litigation down the road. Snow Fighters Institute Snowfighters Youtube Channel ⭐️ Leave us a review! Key Learnings Document, Document, Document - Documentation is the single most important defense in any lawsuit, from preseason site maps to in-event records to follow-up ice watch notes. Force Majeure Clauses Need Salt Specificity - Generic act of God clauses aren't enough; specifically identify salt shortages in your contract to limit liability when supply issues arise. Red Pen Every Client Contract - Mark up every client contract you receive because even rejected markups help you understand your risk exposure points. Detach Your Contract as an Addendum - When clients have rigid contracts, propose attaching your scope of work and protective language as an addendum, which works more often than expected. Lost Text Messages Sink Defenses - Communications stored on personal phones disappear when employees leave, creating spoliation charges that work against you in court. Use Platforms with Built-In Texting - Systems like Team Engine store communications by company rather than personal phones, protecting you when seasonal employees leave. Document Subcontractor Capabilities - Negligent hiring claims require proof that subcontractors had the manpower, equipment, and history to service sites properly. Mirror Client and Subcontractor Agreements - Gaps between your client contract and subcontractor agreements create exposure points that plaintiff's attorneys exploit. Stay Involved in Insurance Claims - The squeaky wheel gets the grease; staying involved with carriers and defense attorneys leads to better outcomes over your career. Personal Injury Lawyers Are Targeting Snow - Big law firms now handle slip and fall cases with more experts, ramped-up injuries, and multi-defendant strategies for bigger payouts. Multi-Tier Liability Creates Multiple Pots - Plaintiff's counsel add negligent hiring claims to reach property owners, managers, contractors, and subcontractors for more money sources. Emergency Response Within Hours Matters - Getting attorneys and experts on-site quickly protects privileged conversations and preserves evidence before witnesses change their stories. Proactive General Counsel Beats Reactive Defense - Working with attorneys before claims happen provides better ROI than dealing with lawsuits after they're filed. Salt Shortage Documentation Required - When experiencing supply shortages, document the actual shortage with proof from suppliers in addition to having protective contract language. Reflection Questions How are you managing electronic communications between your team and clients, and would your text message records survive a lawsuit two to four years down the road? Do you have documentation proving your subcontractors are capable of servicing the sites they're assigned to, or could a negligent hiring claim catch you unprepared? Are you treating contract review and legal counsel as a proa... Chapters (00:00:00) - Start(00:00:20) - Meet Josh Ferguson(00:01:12) - Josh's Legal Practice Overview(00:03:17) - Why Josh Became a Lawyer(00:05:23) - Life Outside the Office(00:07:36) - Salt Shortage Contract Tips(00:12:03) - Handling Client Contracts(00:15:28) - Regulation and Environmental Trends(00:16:50) - Winning Claims With Documentation(00:18:58) - Defense Ready Documentation(00:21:11) - Subcontractor Risk Transfer(00:23:08) - Emergency Response Playbook(00:25:14) - Outside General Counsel Value(00:27:01) - Why Industry Events Matter(00:29:10) - Plaintiff Trends and New Claims(00:33:44) - The Risk with Text Communication(00:35:19) - Tech Solutions(00:35:45) - Please Like, Share & Subscribe!

Andrew Proctor is the Senior Physiotherapist at Birmingham FC. Previously, Andrew was the Head of Medical at Bristol Rovers FC, Bristol City FC and Head of Sports Science & Medical at Oxford United FC.Andrew is a Sports Physiotherapist and holds a Master's in Football Science and Rehabilitation. Topics: Andrew's top priorities when it comes to athlete monitoring. What clinical testing does Andrew use for fatigue measures? What is the difference between the HRIG and Prone ISO testing for hamstring strength measures?  What determines a ‘flag' for an athlete?  What is the process that happens if an athlete ‘flags' on testing?  How does the testing information inform practice?  What metrics do Andrew & team use for their CMJ?  How can we measure the success of our injury monitoring?  What on pitch monitoring takes place?  How does all this work in a congested schedule? https://www.youtube.com/watch?v=Wivpewm2Q6U

"The biggest mistake a construction exec can make right now? Assuming the existing business model is going to stay the same."In today's episode of Bricks and Bytes, we had Carl McFarland from Big D Construction and we got to learn about why the industry is sitting in a Blockbuster moment, how Apple generates the entire annual net income of a $30 billion construction firm in under 48 hours, and why the executives paying the most attention to technology might still be focused on completely the wrong thing... and many more!Tune in to find out about:✅ Why the construction firms performing best right now are actually the ones most exposed to disruption - and what the Blockbuster comparison really means in 2025✅ What most construction CEOs are getting wrong about AI adoption - it's not about the tools they're picking, it's about the question they're not asking✅ Why Carl believes no single firm, no matter how large, has the capital or intellectual firepower to navigate this transformation alone - and what he thinks the answer actually looks like✅ The AI agent Big D built for project risk review that's delivering 10x the return of standard efficiency tools - a real use case, not a pitchWatch now on Spotify and YouTube

Host Lewis Weiss interviews Jim Tompkins about his career path from industrial engineering academia and the Army to founding Tompkins Solutions and later launching Tompkins Ventures, a matchmaking firm that connects manufacturers with partners for logistics, procurement, technology, automation, AI, and organizational development, typically offering recommendations without consulting fees and earning a success fee when solutions are implemented. Tompkins discusses how manufacturers can focus on core competencies while outsourcing non-core functions, the challenges of maintaining quality in outsourcing, and VUCA (volatility, uncertainty, complexity, ambiguity) as the operating reality for global supply chains. He explains reshoring as a risk-mitigation hedge tied to adaptability, digital twins, scenario planning, AI, and automation, and outlines four factors for what to reshore: value density, demand volatility, IP sensitivity, and automation potential.   00:00 Welcome and Introductions 00:40 Tim's Career Origin Story 01:18 From Seminars to Global Supply Chain 02:56 Launching Tompkins Ventures 03:51 How Ventures Helps Manufacturers 04:42 No Fee Model Explained 06:19 Success Fees and Partner Network 07:45 Why Outside Expertise Matters 10:12 Virtual Companies and Outsourcing 11:07 Quality Control in Outsourcing 13:44 VUCA Defined for Supply Chains 17:10 Reshoring as Risk Mitigation 18:19 Surfing the Next Disruption Wave 22:25 Resilience Over Pure Efficiency 25:13 What to Reshore Four Criteria 26:59 Tariff Refunds Supreme Court Fallout 32:12 Wrap Up Contact and Subscribe Learn more about your ad choices. Visit megaphone.fm/adchoices

Ary Rosenbaum talks about the issue of how 401(k) plan providers can minimize their risk, and just not reply on their E&O policies.

In this episode of The Derivative, Jeff Malec is joined by Patrick Kazley of OneRiver explore how long volatility, convexity, trend following, and systematic macro can be combined in a capital‑efficient way to improve equity compounding and protect portfolios from major drawdowns. They discuss crisis “shapes,” why time-based rebalancing often beats intuitive drawdown triggers, how changing volatility microstructure (zero‑DTE, single-name vol, dispersion) creates new opportunities, and why behavioral biases keep most investors under-allocated to positively skewed defensive strategies. Patrick ties it all together with vivid metaphors — from F1 cars and soup vs. salad to sumo wrestlers and the beer boot — and explains how One River's acquisition of a European alternatives/QIS team fits into their total-portfolio approach..… SEND IT!Chapters:00:00-02:21 = Intro02:22-12:33= From AQR to One River – Patrick's Background and the Case for Systematic Risk Mitigation12:34-28:07 = Engines and Brakes – Equity Beta, Skew, and the Power of Convexity28:08-43:55= Crisis Types, Trend Following, and Building a Total Portfolio Defense43:56-1:03:04= Visualizing Risk – Crisis Shapes, Rebalancing, and the Math of Convexity1:03:05-1:16:36= Metaphors, Markets, and M&A – From F1 Cars to Das Boot and One River's Next Phase1:16:37-1:28:37= Soup vs. Salad – Total Portfolio Thinking and the Future of One RiverFrom the Episode:Blog post: A Short History of Market-Moving Middle East ConflictsOneRiver's WhitepapersFollow along with Patrick and OneRiver on LinkedIn and make sure to check out OneRiver's website www.oneriveram.comDon't forget to subscribe to⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Derivative⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, follow us on Twitter at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@rcmAlts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and our host Jeff at⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠@AttainCap2⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, or⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ , and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, and⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sign-up for our blog digest⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.Disclaimer: This podcast is provided for informational purposes only and should not be relied upon as legal, business, or tax advice. All opinions expressed by podcast participants are solely their own opinions and do not necessarily reflect the opinions of RCM Alternatives, their affiliates, or companies featured. Due to industry regulations, participants on this podcast are instructed not to make specific trade recommendations, nor reference past or potential profits. And listeners are reminded that managed futures, commodity trading, and other alternative investments are complex and carry a risk of substantial losses. As such, they are not suitable for all investors. For more information, visit⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.rcmalternatives.com/disclaimer⁠⁠⁠⁠

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

How can multifamily and commercial buildings prevent costly water and operational risks before they happen? Join Nadav Schnall, Co-Founder of ProSentry, on Mornings with Joel CRE Podcast as he shares: Real-time building monitoring for multifamily properties Proactive strategies to prevent water and mechanical damage How actionable data supports smarter operations and insurance conversations.

Sue Serna - Social Media Security and Governance Leader and Lover of All BeaglesNo Password Required Season 7: Episode 2 - Sue SernaSue Serna is the CEO and Founder of Serna Social and the former head of global social media at Cargill. She brings more than two decades of experience at the intersection of storytelling, strategy, and security.In this episode, she shares her journey from business reporter to leading her own consultancy serving companies around the world on social media strategy.Jack Clabby of Carlton Fields, P.A, joined by guest co-host Rex Wilson of Cyber Florida, welcomes Sue for a candid discussion about the realities of enterprise social media. From managing more than 150 Facebook pages for a single company, to navigating internal politics, agency relationships, and regulatory pressure, Sue explains why social media is far from “free” and why most organizations still under-resource it.Sue dives deep into the gap between social media teams and cybersecurity departments. She outlines how personal account compromises can escalate into enterprise-level incidents, why governance frameworks matter, and how large organizations can regain control of sprawling digital footprints. Drawing from real-world examples, she argues that social media must be treated like finance or HR, a core business function requiring structure, ownership, and accountability.The episode wraps with the Lifestyle Polygraph, where Sue reveals her love of Apollo-era space history, debates iconic Philadelphia traditions, and imagines what magical talent her beagle would bring to Hogwarts.Follow Sue at SernaSocial.com or connect with her on LinkedIn: https://www.linkedin.com/in/sueserna/ Chapters: 00:00 Introduction and First Impressions   02:45 The Evolving Role of Social Media in Corporations   04:58 Transitioning from Journalism to Social Media  11:11 Building Social Media from Scratch   13:00 Becoming a CEO and Founder   16:28 The Importance of Networking   16:54 Bridging the Gap Between Social Media and Cybersecurity  20:51 Real-World Social Media Security Incidents  28:35 Navigating Internal Conflicts in Social Media  30:32 The Lifestyle Polygraph Begins   31:17 Nerd Things That Expose Sue: Space and Harry Potter!  35:16 Sue's Love For Beagles  37:50 Wreckless Intern or Overconfident Executive?  40:42 Hogwarts and Magical Beagles 

In this conversation, Nadav Schnall discusses his extensive background in real estate and the innovative risk mitigation services offered by his company, ProSentry. He highlights the importance of reducing risks for property owners, the challenges of market adoption, and the critical role of relationships in business success. The discussion also covers the proactive approach to risk management and the potential insurance benefits for property owners.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

How can funds control serve as an important tool in construction risk mitigation and elevate bonding capacity? In this episode of "Let's Get Surety," Kat Shamapande and Mark McCallum sit down with Marcus Carter, president of La Mesa Fund Control, to explore proactive tools that streamline payments, boost transparency, and help contractors grow. Learn how modern funds control can deliver real-time insights and minimize risk. You may also want to check out this Surety Bond Quarterly Article, "Changing Attitudes Towards Funds Control Companies," for more insights! With special guest: Marcus Carter, President, La Mesa Fund Control & Escrow Inc. Hosted by: Kat Shamapande, Director, Professional Development, NASBP and Mark McCallum, CEO, NASBP

The Pure Report welcomes two key members of Pure's Technical specialist team, Principal Technologist Joey Clark and Field Solution Architect Drew Kessel (who covers Cyber Resilience). Our conversation begins with a look at their backgrounds, including their surprising common start in healthcare IT, and the value of professional development, like Pure's EBC speaker training. We quickly pivot to the successes Pure is seeing in the areas of file, object, and unstructured data, driven by innovative products like FlashBlade and FlashArray. The core of our discussion centers on why Pure is successfully tackling the toughest challenges in unstructured data, noting the significant shift to object storage for backup, which provides benefits like immutability via object lock. Joey and Drew highlight how Pure's unique approach—focusing on simplicity and eliminating "tech debt"—is resonating with customers and leading to major business breakthroughs. This success is made stronger by strategic partnerships with data protection leaders like Rubrik, Commvault, and Veeam, creating a connected ecosystem that delivers layered resilience against modern threats. Finally, we explores the powerful narrative of the Enterprise Data Cloud (EDC), with Fusion acting as the intelligent control plane. We discuss how Fusion is the vehicle for EDC, helping customers mitigate risk and human error through automation. This includes using presets to enforce protection policies (like SafeMode snapshots and replication) and delivering audit and compliance alerts when security settings are changed. Drew shares a powerful, real-life customer success story of an 8-hour recovery from a cyber event using Pure snapshots, emphasizing that cyber resilience is a unified team sport that requires both infrastructure and security teams to collaborate. To learn more, visit https://www.purestorage.com/products/storage-as-code/pure-fusion.html Check out the new Pure Storage digital customer community to join the conversation with peers and Pure experts: https://purecommunity.purestorage.com/ 00:00 Intro and Welcome 09:02 File and Object Momentum 16:45 SLA-Backed Cyber Recovery 20:20 Fusion Presets and Cyber 27:33 Cyber and Enterprise Data Cloud 34:06 Bridging Cyber IT to Security Teams and CISOs 38:11 Pure Tech Summit Events 42:11 Hot Takes Segment

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

Nadav Schnall is the co-founder of ProSentry, a proptech startup focused on real-time risk mitigation for multifamily and commercial buildings. With a decade of experience at First Service Residential as VP of Luxury Properties and New Development, Nadav saw firsthand the operational challenges that property managers face. His venture addresses those pain points through sensor-based monitoring that's already helped prevent thousands of potential insurance claims.     Make sure to download our free guide, 7 Questions Every Passive Investor Should Ask, here.     Key Takeaways Understand how real-time risk mitigation can lower insurance premiums and prevent property damage Learn the top causes of water-related insurance claims and how they can be proactively addressed Discover how smart sensors and LoRaWAN technology are being applied to multifamily assets Hear how investors can use tech to boost tenant satisfaction and NOI     Topics Why Nadav Started ProSentry Saw repeated property issues in his role at First Service Residential Reconnected with a veteran builder to launch the company Wanted to solve systemic building problems using tech How Risk Mitigation Impacts Insurance Non-weather water damage is among the top insurance claims Sensors help avoid or minimize these issues Lower risk profile = potential savings on premiums or deductibles What ProSentry's Sensors Actually Do Water, gas, temperature, humidity, smoke, vape, and rodent detection Uses LoRaWAN, not Wi-Fi, for stronger building-wide coverage Real-time alerts via app, text, call — including live operator calls Cost and ROI for Investors Approx. $300–$400 per unit installation Ongoing cost: ~$1–$1.50/month per sensor Helps improve tenant experience, reduce damage, and boost NOI Proactive Alternatives and Why They're Not Enough Preventative maintenance is still important But sensors catch things no one can manually inspect Especially helpful for high-turnover or under-staffed buildings    

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

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSupport the show: https://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSee omnystudio.com/listener for privacy information.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Mark Mascarenhas. Purpose of the Interview The interview aims to educate listeners—especially entrepreneurs, small business owners, and aspiring millionaires—on financial planning, wealth management, and risk mitigation strategies. It emphasizes the importance of discipline, clarity, and professional guidance in achieving financial success and sustaining wealth across generations. Key Takeaways Financial Planning is Foundational A written financial plan is the first step before any investment portfolio is built. Success is defined individually—financial, health, or lifestyle goals. Diversification & Risk Management Digital assets like Bitcoin should only make up 2–3% of a portfolio for high-net-worth clients with high risk tolerance. Fear and greed drive markets; advisors help clients maintain discipline. Long-Term Care & Insurance Planning for long-term care is essential, typically starting in your 50s. Term life insurance early locks in health; whole life policies provide stability and living benefits. Tax Strategy Use tax-loss harvesting, asset location strategies, and estate planning to minimize tax burdens. Estate planning focuses on transferring wealth tax-efficiently to future generations. Millionaire Mindset Millionaires are clear, disciplined, optimistic, and collaborative. 74% of millionaires work with financial advisors vs. 34% of the general population. Power of Compounding Compounding interest is the cornerstone of wealth accumulation—requires patience and discipline. Avoid lifestyle creep and impulsive spending, especially for younger millionaires and influencers. Fiduciary Responsibility Advisors act in the client’s best interest; success is mutual. Trust and transparency are critical in client-advisor relationships. Notable Quotes On Risk & Bitcoin:“You could potentially double your money, but you could also potentially lose 70% of it.” On Financial Planning:“Every dollar needs a job description.” On Millionaire Mindset:“Successful people view us as CFOs—they’re the CEOs.” On Compounding:“If you could win 72% of the time, would you play that game? Yes. That’s the stock market.” On Retirement Success:“Living the same or better lifestyle in retirement than you do today while working.” On Fiduciary Role:“We make more money when the client makes more money.” #SHMS #BEST #STRAWSteve Harvey Morning Show Online: http://www.steveharveyfm.com/See omnystudio.com/listener for privacy information.

In this episode, we sit down with the brilliant Anouska Bhattacharya, VP of Programs at YW Boston, for a conversation that somehow ties together the imperialist history of the gin and tonic, the absolute barbarism of mammograms, and the future of equity work in a post-DEI world.Anouska shares her origin story as a "recovering academic" who traded the ivory tower for community organizing, and explains how her neurobiology background helps her understand why systems can, and must, be unlearned. We get into how DEI work is evolving (spoiler: call it civility, call it employee engagement, the work continues), what it means to find joy as fuel for sustainability, and why she's currently tap dancing in her Watertown basement while performing in a burlesque reimagining of the Nutcracker.Plus: ice shipped from Massachusetts to India, dense breasts, and a love story between Pluto and its moon. You know, the usual.

In today's episode of Backpacker Radio presented by The Trek, we're joined by Lucy Barnard. Lucy, along with her pup Wombat, has walked from the southern tip of Argentina all the way through the Great Divide Trail in Canada, and she'll be picking up the final leg of this monster journey — through northern Canada and into Alaska — later this winter. We get into what compelled Lucy to take on such an audacious mission, especially given that she had virtually zero long-distance hiking experience beforehand. She shares some truly wild stories from the trail, including being held at gunpoint by cartel members, what it's been like navigating this trek with a dog in tow, the extra hoops that come with that, the overwhelming kindness she's encountered from strangers along the way, and plenty more. We wrap the show by highlighting a 140-mile in Portugal that belongs on your bucket list, how a thru-hiker staple might be giving us all mercury poisoning, movies we definitely don't recommend, the triple crown of embarrassing foods, and the lazy person's guide to making your own dehydrated meals.  Gossamer Gear: Check out the Type II collection at gossamergear.com.  Ka'Chava: Get 10% off at kachava.com/backpacker. [divider] Interview with Lucy Barnard Lucy's Instagram Lucy's Youtube Time stamps & Questions 00:3:00 - Reminders: Apply to blog for The Trek, subscribe to our Youtube channel, Apply to VLOG for The Trek and listen to our episodes ad-free on Patreon! 00:07:10 - Introducing Lucy 00:10:00 - High Low Buffalo 00:14:40 - Discussion about nutrition 00:16:34 - How do you resupply Wombat's food? 00:18:45 - How did you get Wombat? 00:23:35 - Is Wombat a good security dog? 00:41:16 - What is your concern about sharing stories about risky times? 00:47:00 - Did you consider quitting the trail after that? 00:50:20 - Discussion about culture shock and language expressions 00:53:03 - What were you doing before this hike? 01:02:00 - What was your hiking and traveling experience prior to this hike? 01:06:20 - Were you nervous when you started the trip? 01:09:05 - What created your desire to do this? 01:14:00 - Discussion about people from other countries interested in hiking in the US 01:19:07 - Discussion about deworming 01:21:30 - What is in Wombat's first aid kit? 01:23:30 - Do you have a standout animal encounter story? 01:30:20 - How much of the trip is a logistical puzzle versus physical challenge? 01:33:50 - How have you managed family and friend relationships during this hike? 01:38:20 - What is celebrity and fame like in Australia? 01:42:30 - Why do you think this journey is going slower than you expected? 01:49:15 - How do you balance accepting good advice with not getting overwhelmed? 01:52:40 - Tell us about your overall route thus far 01:56:00 - Discussion about Lucy's navigation app 01:58:15 - What due diligence do you do ahead of time to make sure you stay safe? 02:02:00 - Lucy's stories about providing trail magic 02:04:50 - Tell us more stories about being integrated with the locals 02:13:25 - Tell us about Wombat getting sick from eating crabs on the desert 02:15:08 - Tell us about the Great Divide Trail 02:20:15 - What was your hardest day on this experience? 02:26:30 - How can listeners support your journey? 02:27:20 - What is the future of the journey going to be like? 02:35:00 - Where can people go to keep up with you? Segments Trek Propaganda:  Apply to be a Vlogger for The Trek  The Fisherman's Trail: A 140-Mile Luxury Thru-Hike in Europe (Complete 2026 Guide) by Chickpea Could This Thru-Hiker Staple Give You Mercury Poisoning? By James Townsend Ultralight Quilt Comparison: Enlightened Equipment Revelation vs. Katabatic Alsek vs. UGQ Bandit by JT Simmons QOTD:  What are movies you definitely don't recommend to people? Triple Crown of embarrassing foods Listener Voicemail Mail Bag 5 Star Review [divider] Check out our sound guy @my_boy_pauly/ and his coffee. Sign up for the Trek's newsletter Leave us a voicemail! Subscribe to this podcast on iTunes (and please leave us a review)!  Find us on Spotify, Stitcher, and Google Play. Support us on Patreon to get bonus content. Advertise on Backpacker Radio Follow The Trek, Chaunce, Badger, and Trail Correspondents on Instagram. Follow Backpacker Radio, The Trek and Chaunce on YouTube. Follow Backpacker Radio on Tik Tok.  Our theme song is Walking Slow by Animal Years. A super big thank you to our Chuck Norris Award winner(s) from Patreon: Alex and Misty with NavigatorsCrafting, Alex Kindle, Andrew, Austen McDaniel, Bill Jensen, Brad & Blair Thirteen Adventures, Bret Mullins aka Cruizy, Bryan Alsop, Carl Lobstah Houde, Christopher Marshburn, Clint Sitler, Coach from Marion Outdoors, Eric Casper, Erik Hofmann, Ethan Harwell, Gillian Daniels, Greg Knight, Greg Martin, Griffin Haywood, Hailey Buckingham, Jason Kiser, Krystyn Bell, Matt from Gilbert, AZ, Patrick Cianciolo, Randy Sutherland, Rebecca Brave, Rural Juror, Sawyer Products, SPAM, The Saint Louis Shaman, Timothy Hahn, Tracy 'Trigger' Fawns A big thank you to our Cinnamon Connection Champions from Patreon: Bells, Benjy Lowry, Bonnie Ackerman, Brett Vandiver, Chris Pyle, David, David Neal, Dcnerdlet, Denise Krekeler, Jack Greene, Jeanie, Jeanne Latshaw, Luke Netjes, Merle Watkins, Peter, Quenten Jones, Ruth S, Salt Stain, and Spencer Hinson.

Our livestock industry doesn’t stand still. Animals are being transported across the state, and country, every day. Transporting is center stage at the Livestock Marketing Association. Jara Settles is General Counsel and Vice President of Risk Mitigation at Livestock Marketing Association. She tells us what the hot topics are at the Association right now.See omnystudio.com/listener for privacy information.

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

What's next for private equity? We continue our Private Markets Outlook series with a discussion featuring Jorge Rossello, Managing Director, LP Secondaries. He joins Research team members Andrew Korz and Alan Flannigan to explore how private equity investors are navigating a shifting landscape. The Private Markets Outlook podcast series from Future Standard features special guests and portfolio managers from across our firm, each bringing unique perspectives on private equity, private credit and real estate. Subscribe and stay tuned for more.  Related:Follow the value, not the herd: The new private markets imperative U.S. exceptionalism: At a crossroadsHave a question for our experts? Text us for a chance to have your questions answered on the next episode.To watch the video version, go to https://www.youtube.com/@futurestandard_fs For more research insights go to https://futurestandard.com/insights

In this episode of the Investor Fuel Podcast, host Leonardo Prada speaks with Yves Maia, a real estate consultant specializing in helping investors navigate compliance and structuring for their investments. They discuss the importance of having a solid foundation in legal, financial, licensing, and insurance aspects of real estate. Yves shares insights on the challenges investors face, particularly with lending and documentation, and emphasizes the significance of building relationships and being available to clients and partners. The conversation highlights the unique approach Yves takes in his consulting business and the tools he uses to assist clients effectively.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

In this episode we will dive into the final phase of the Profitable Scaling Playbook: building enterprise value. Shannon breaks down what enterprise value means and why it's crucial for scaling and ultimately selling your business. She emphasizes the importance of risk mitigation, the need for replicable and transferable operations, and how to avoid over-reliance on the owner. Tune in to learn actionable steps to maximize your business's value, from maintaining positive cash flow to reducing keyman risk and developing robust SOPs.   Don't miss Shannon's insights on ensuring your business can thrive without you, positioning it for a successful future sale or continuous growth.   What you'll hear in this episode: [0:45] Understanding Enterprise Value [2:15] Risk Mitigation and Management [4:55] Keyman Risk and Personal Brand Challenges [6:05] Building Systems and Processes for Scaling [6:35] Maximizing Customer Value   Learn more about our CFO firm and services: https://www.keepwhatyouearn.com/   Connect with Shannon: https://www.linkedin.com/in/shannonweinstein Watch full episodes: https://www.youtube.com/channel/UCMlIuZsrllp1Uc_MlhriLvQ Follow along on IG: https://www.instagram.com/shannonkweinstein/   The information contained in this podcast is intended for educational purposes only and is not individual tax advice. We love enthusiastic action, but please consult a qualified professional before implementing anything you learn.

Click HERE to learn how to earn $10K/month in rental income & access 50% discount on RTR AcademyThis episode is sponsored by…PPR CAPITAL:Build long-term wealth through passive real estate investing with PPR's income and opportunity funds: https://pprcapitalmgmt.com/renttoretirementLooking to grow your wealth with less hassle and more predictability? In this special episode of the Rent To Retirement Podcast, hosts Adam Schroeder and Zach Lemaster bring you an exclusive webinar with PPR Capital Management—a powerhouse in passive investing through real estate-backed mortgage notes and innovative commercial assets like Tommy's Car Washes.Learn how seasoned investors are achieving 8–14%+ annual returns with asset-backed strategies that require no property management or syndication risk. Discover how PPR structures its funds, minimizes risk through massive diversification, and why institutional investors are getting on board.Whether you're a seasoned investor or looking for your next hands-off strategy, this episode breaks it all down for you.⏱️ Timestamps:00:00 - Intro: Active vs. Passive Wealth Building01:45 - Why Turnkey Investors Should Consider Notes04:00 - Meet PPR Capital Management07:00 - What Are Mortgage Notes & How They Work13:45 - Liquidity & Diversification Explained17:00 - How PPR Makes Money on Non-Performing Loans19:10 - Real-World Case Studies: Note Turnarounds23:00 - Trade Snapshot: $34M in Realized Gains26:00 - PPR's Commercial Real Estate Strategy30:00 - Investing in Tommy's Car Washes for Higher Returns34:45 - Car Wash ROI, Subscriptions & Exit Strategy36:15 - Fund Structures & Investment Minimums40:00 - Compounding Options & Strategy Tips44:30 - Risk Mitigation & Fund Strength Explained48:00 - Why Fund Diversification Beats Syndications50:00 - Final Thoughts & How to Get Started

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On this episode of Best Ever CRE, Joe Cornwell interviews Ari Rastegar, founder of Rastegar Capital, about his journey from law school to building a vertically integrated real estate firm. Ari shares how he got his start in real estate by developing a single-family home during law school, which evolved into a focus on zoning, entitlement, and large-scale developments across Texas. He breaks down the strategic value of land rezoning, lessons learned from leveraging debt, and how his firm partners with major institutions while maintaining rigorous risk controls. Ari also emphasizes the importance of third-party fund administration and institutional-grade governance—even for small operators. Ari Rastegar Current Role: Founder & CEO of Rastegar Capital Based in: Austin, Texas Say hi to them at: rastegarcapital.com Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Post your job for free at https://www.linkedin.com/BRE. Terms and conditions apply. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of Best Ever CRE, Joe Cornwell interviews Chris Parrinello, VP of Investor Relations at Viking Capital, live from the Best Ever Conference 2025 in Salt Lake City. Chris shares insights into Viking's strategic pivot toward development, highlighting their latest JV project in Peoria, AZ—a 220-unit garden-style and townhome multifamily deal. They discuss why Viking is still bullish on multifamily, how they're mitigating risk through conservative underwriting and experienced partners, and the importance of reframing investor expectations when chasing long-term equity multiples over short-term yield. Chris also breaks down the project's economics, deal structure, and why 2025 might be the perfect setup year for outsized gains in 2026. Chris Parrinello Current role: VP of Investor Relations, Viking Capital Based in: South Florida Say hi to them at: https://vikingcapllc.com or listen to his podcast Wealth Unfiltered Get a 4-week trial, free postage, and a digital scale at ⁠https://www.stamps.com/cre⁠. Thanks to Stamps.com for sponsoring the show! Post your job for free at https://www.linkedin.com/BRE. Terms and conditions apply. Join the Best Ever Community  The Best Ever Community is live and growing - and we want serious commercial real estate investors like you inside. It's free to join, but you must apply and meet the criteria.  Connect with top operators, LPs, GPs, and more, get real insights, and be part of a curated network built to help you grow. Apply now at ⁠www.bestevercommunity.com⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

On this episode of the Best Ever CRE Show, Joe Fairless interviews Sam Giordano, a practicing gastroenterologist, real estate investor, and co-founder of PassiveAdvantage.com. Sam shares his journey into real estate syndications as a limited partner (LP), highlighting how his meticulous vetting process led him to create an AI-driven platform to help high-income professionals assess passive investments. He discusses the importance of sponsor evaluation, risk assessment, and market diversification, as well as the challenges faced by LPs in today's economic climate. Sam also provides insights into how his software automates due diligence, offering a transparent, structured approach to analyzing investment opportunities. Sam Giordano Based in New Jersey Co-Founder Say hi to them at https://www.passiveadvantage.com/ https://www.linkedin.com/in/samuel-giordano-md-13bb5a130/ Sponsors: Capital Gains Tax Solutions Learn more about your ad choices. Visit megaphone.fm/adchoices