Podcasts about Savvy

I turned sixty last November, and it forced me to get honest about what's actually working for my body, and what isn't. This is a solo episode where I'm walking you through the five intentional wellness habits I've been building and the four things I quit completely because they stopped serving me. I'm determined to be the best version of myself I can be in my 60s, and these are the intentional steps I'm taking to get there. Whether you're already in this stage of life or you're younger and want a head start, I think you'll benefit from these savvy wellness habits!   WHAT TO EXPECT IN THIS EPISODE: Why muscle strength training has become completely non-negotiable for feeling my best at 60 The protein and creatine routine Zane and I never skip The simple one-minute balance exercise from Dr. Vonda Wright's book Unbreakable that's already making a real difference for me Why I gave up the pressure of 10,000 steps a day and started sneaking in movement instead (stairs, parking farther away, walking Tucker) How guarding an earlier bedtime became one of the biggest keys to feeling my best at 60 Why I haven't had a drink since the week before my 60th birthday, and what's changed since How Zane and I traded nightly mint chip ice cream for a healthier swap Why routine hormone testing has become a necessity for my wellness   LINKS & RESOURCES Unbreakable: A Woman's Guide to Aging with Power by Dr. Vonda Wright, MD  The Mel Robbins Podcast episodes with Dr. Vonda Wright: Look, Feel, & Stay Young Forever: #1 Orthopedic Surgeon's Proven Protocol Do THIS for 8 Weeks and Look & Feel 10 Years Younger: Dr. Vonda Wright's Proven Protocol Ninja Creami Swirl Thorne Creatine Pause Life Nutrition Creatine (Use code SAVVY for 10% off!) The Peachie Spoon Protein Powder (Use code FAMILYSAVVY for a special discount!)   WHERE TO LISTEN If this episode encouraged you, I'd love for you to take a few minutes to rate and review The SavvyCast! It means so much to me, and it helps more women, just like you, find the show! Apple Podcasts Spotify YouTube   ENJOYED THIS EPISODE? CHECK THESE OUT! Stop Dreading Getting Older. This 77-Year-Old Changed Everything I Thought About Aging! Apple Podcasts Spotify YouTube   My Honest Convo with The Peachie Spoon on HRT, Protein Goals, Weight Obsession, & Her Life Behind the Scenes Apple Podcasts Spotify YouTube

How did a dead prophet's bones bring someone back to life? And why did Elisha send bears to kill those boys?  In this "Hey, Clayton" episode of the Bible Savvy Podcast, Pastor Clayton answers these questions and more about the books of 1 and 2 Kings. 

How do we read the letters of Paul? Pastor Clayton interviews Dr. Nijay Gupta, a New Testament professor at Northern Seminary and author of several books on the New Testament including three books on the writings of the apostle Paul.

A huge AI worry has been eliminated. Plus, these stocks could rally after Nvidia (NVDA) reports earnings… Druckenmiller's AI op-ed… 2 assets that will benefit from Bessent's bond intervention… And trading ideas from the latest 13Fs. In this episode: These stocks could rally after Nvidia reports earnings [2:59] A huge AI worry has been eliminated [13:05] Is Bessent's bond tinkering a big mistake? [23:48] Why everyone is up in arms over Druckenmiller's AI op-ed [36:30] These assets will benefit from Bessent's intervention [40:30] Two trading ideas from the latest 13Fs [49:10] Today's episode is brought to you by Savvy, the smarter way to book a vacation rental. Travelers save an average of $400 versus Airbnb and VRBO. Your unforgettable family vacation is waiting—and thanks to Savvy, you'll get the rental you want, at the prices you deserve! Savvy.com: Stay smarter.: href="https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

In this episode, Alex & Annie sit down with Jeremy Gall, Founder and CEO of Breezeway, to explore how the continued professionalization of vacation rentals is raising the bar for operations.Jeremy shares what led him to tackle one of the industry's most complex challenges: coordinating the people, properties, and workflows behind great hospitality. The conversation explores how rising guest expectations, greater owner scrutiny, and advances in technology are changing what it takes to operate well, and where vacation rental operations may be headed next.Episode Chapters:04:10 - Building a company property managers want to work with12:00 - The early days of Breezeway and connecting operational workflows14:40 - Why property managers should think differently about their relationship with the property18:35 - How rising guest expectations are changing vacation rental standards22:00 - Reviews, owner expectations, and the professionalization of the industry25:11 - The growing importance of cleaners and third-party service providers29:01 - Could robots eventually handle vacation rental turnovers?33:31 - How AI is changing vacation rental operations39:52 - Why Breezeway continues to go deeper on operationsAs vacation rentals continue to mature, the operators who can deliver consistently behind the scenes will be better positioned to meet rising expectations from both guests and owners.Connect with Jeremy:LinkedIn: https://www.linkedin.com/in/jeremiahgall/ Connect with Breezeway:Website: https://hubs.la/Q04tyWJL0 ✨ Exclusive Offer to Alex & Annie Listeners:Get 20% off your first three months of Breezeway if you sign up by September 30. 

What does it mean to put on the armor of God? The Bible Savvy Podcast reads Ephesians 6 and discusses what is needed to stand against an enemy that is not flesh and blood.

The Treasury's latest move temporarily boosted stocks, but exposes a deeper issue. Plus, the reality of confusing market signals… Anthropic vs OpenAI… Crypto's recent jump… Danger for this Mag 7 stock… And what 13Fs are telling us. In this episode: What an amazing time at Saratoga! [0:30] Penn State in the news for the wrong reasons [1:22] A confusing market is historically good for stocks, here's why [5:10] Why the latest move by the U.S. Treasury should scare the sh*t out of you [11:02] The credit crisis monster [22:43] These assets and sectors will benefit from higher interest rates [31:44] The battle of AI: Anthropic vs OpenAI, who's really in the lead? [37:24] This Magnificent 7 stock is in trouble [44:51] 13F moves that caught our attention [48:56] Today's episode is brought to you by Savvy, the smarter way to book a vacation rental. Travelers save an average of $400 versus Airbnb and VRBO. Your unforgettable family vacation is waiting—and thanks to Savvy, you'll get the rental you want, at the prices you deserve! Savvy.com: Stay smarter: https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

Savvy Sliders is doing something really cool to benefit Jay's Juniors!See omnystudio.com/listener for privacy information.

Chosen and redeemed. In this episode, the Bible Savvy team dives into Ephesians 1:1–14, exploring our unshakeable identity in Christ, the inheritance that comes from divine adoption, and the incredible truth that we bring immense joy to God. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

Max talks with Greg Brown about one of the most important—and often underestimated—roles in aviation: the flight instructor. Greg is one of aviation's most respected CFIs, writers, and pilot mentors. A pilot since 1972 and a flight instructor since 1979, he was named the 2000 Industry/FAA National Flight Instructor of the Year, became the first-ever Master Flight Instructor, and was inducted into the Flight Instructor Hall of Fame in 2021. Many pilots know Greg from his aviation books, including The Savvy Flight Instructor, The Turbine Pilot's Flight Manual, Flying Carpet, You Can Fly!, and Job Hunting for Pilots, as well as from his long-running "Flying Carpet" column in AOPA Flight Training magazine and his Cockpit Adventures from the Flying Carpet podcast. In this episode, Greg and Max focus on practical advice for people who are becoming CFIs, looking for CFI jobs, or trying to build a better flight instruction business. Greg explains that he did not become a flight instructor immediately after earning his private pilot certificate. By the time he earned his CFI, he had already accumulated a great deal of flying experience and had discovered that he loved teaching. He instructed about 800 hours in his first year while still holding another full-time job, and soon discovered that instruction could lead to unexpected aviation opportunities. One of Greg's key messages is that becoming a CFI should not be viewed as a dead end or merely a required stepping stone to an airline job. He tells the story of teaching an instrument student who owned a scientific instrument company. That student eventually invited Greg to become the company's chief pilot and help select and fly a cabin-class twin. Greg's point is that CFIs meet people, build trust, and create opportunities in ways that are impossible to predict. Greg also offers detailed advice on how new instructors can get hired. He explains that many applicants simply send resumes and end up in a large pile with everyone else. A smaller number know someone at the flight school. But the strongest applicants are those who have built a personal relationship with the owner, chief instructor, or people already working there. Greg urges aspiring CFIs to visit flight schools, ask for advice, stay in touch, and create a simple system to maintain relationships over time. In a tight CFI job market, he says, networking and reputation can be more important than raw hours. Max and Greg also discuss different paths into flight instruction, including academies, Part 61 flight schools, flying clubs, universities, and independent instruction. Greg says flying clubs can be a terrific environment because instructors often know their students, have access to aircraft, and may face less bureaucracy. They also discuss the idea of buying an airplane to teach in. While that can work for some instructors, Greg and Max point out the financial and insurance challenges, along with the practical limitation that when a student solos your airplane, you no longer have that airplane available for dual instruction. A major theme of the episode is that flight instructors must also learn marketing and sales. Greg recommends that CFIs create photo business cards with an airplane or cockpit image, a QR code, and contact information. He says the card does the work of explaining who you are and often starts conversations with people who may be interested in aviation. Greg also recommends having at least a simple web page, so potential students searching online for flight training or a local flight instructor can find you. Greg also strongly recommends earning a ground instructor certificate. He explains that the advanced ground instructor written test overlaps substantially with the commercial and flight instructor written tests, making it a practical step for many aspiring CFIs. Teaching ground school can help a future instructor get connected with a flight school, develop teaching skill, and attract future flight students. Max adds that teaching ground school before his CFI checkride made it far easier to stand at a board, explain concepts clearly, and teach an examiner during the practical test. The discussion then turns to how CFIs can earn more and build long-term credibility. Greg compares flight instruction to golf or tennis instruction: the best instructors are not necessarily the cheapest, but the ones who provide the most value. He recommends building references, earning additional instructor ratings, pursuing credentials such as Master Flight Instructor, and developing expertise. Max adds that specialization can move an instructor up the value chain. A CFI might become known for tailwheel training, glass cockpit instruction, instrument training, mountain flying, aircraft ownership, Cirrus training, Mooney training, or another niche. Greg and Max also explore the deeper human side of flight instruction. Greg tells two stories about challenging students. One student showed poor judgment and returned from a long solo cross-country with nearly empty tanks and a damaged wing after failing to refuel. Another student, a CFI applicant, performed terribly on a checkride because of severe test anxiety, even though he had been well prepared in training. Rather than dismiss him, Greg helped connect him with support. That student eventually became an airline captain. The lesson: some problems reflect character and judgment, while others are barriers a good instructor can help a pilot overcome. Near the end of the episode, Greg asks listeners to think of the flight instructor who most influenced their lives. Max names his primary instructor, Dick Johnston, and recalls how his advice still echoes decades later. Greg remembers his own primary instructor, Bob Vetter, who let him recover from an inadvertent spin under careful supervision and taught him lessons that shaped his own approach to instruction. Max closes by describing flight instructing as a sacred responsibility. CFIs are not merely preparing students for checkrides; they are helping pilots build the judgment and habits that may keep them alive for decades. Greg agrees and shares how meaningful it is to hear from former students, now airline captains, who still remember the role he played in their lives. This episode is both a practical guide to CFI jobs and a reminder that flight instructors can profoundly shape the future of the pilots they teach. If you're getting value from this show, please support the show via PayPal, Venmo, Zelle or Patreon. Support the Show by buying a Lightspeed ANR Headsets Max has been using only Lightspeed headsets for nearly 25 years! I love their tradeup program that let's you trade in an older Lightspeed headset for a newer model. Start with one of the links below, and Lightspeed will pay a referral fee to support Aviation News Talk. Lightspeed Delta Zulu Headset $1299NEW – Lightspeed Zulu 4 Headset $1099 Lightspeed Zulu 3 Headset $949Lightspeed Sierra Headset $749 My Review on the Lightspeed Delta Zulu Send us your feedback or comments via email If you have a question you'd like answered on the show, let listeners hear you ask the question, by recording your listener question using your phone. News Stories AOPA Releases Proposed Bylaw Changes FAA Debuts New mobile tool for IFR Clearances California Pilots Challenge Use of ADS-B Data for Aircraft Taxes Departing FAA Leader Says Agency Is Being 'Nudged' to Embrace Risk FAA Reminds Pilots To Land at the Right Airport Archer To Acquire Wisk and other Companies From Boeing First Emergency Medical Response Deployed by eVTOL Aircraft Farmer Charged With Attempted Murder After Shooting at Crop Duster Mentioned on the ShowBuy Max Trescott's G3000 Book Call 800-247-6553 UAV News Talk - Archer Aviation episode NTSB News Talk - episode #36 Greg Brown's Website Free Index to the first 282 episodes of Aviation New Talk So You Want To Learn to Fly or Buy a Cirrus seminars Online Version of the Seminar Coming Soon – Register for Notification Check out our recommended ADS-B receivers, and order one for yourself. Yes, we'll make a couple of dollars if you do. Get the Free Aviation News Talk app for iOS or Android. Check out Max's Online Courses: G1000 VFR, G1000 IFR, and Flying WAAS & GPS Approaches. Find them all at: https://www.pilotlearning.com/ Social Media Like Aviation News Talk podcast on Facebook Follow Max on Instagram Follow Max on Twitter Listen to all Aviation News Talk podcasts on YouTube or YouTube Premium "Go Around" song used by permission of Ken Dravis; you can buy his music at kendravis.com If you purchase a product through a link on our site, we may receive compensation.

Think the U.S. dollar isn't backed by anything? Think again. Plus, inflation is still hot—will the Fed do anything about it? … CoreWeave (CRWV) and Super Micro (SMCI) earnings… Nvidia's (NVDA) $500B announcement… And the gold rally. In this episode: Sports scandals: WNBA, golf, and college football [0:51] Inflation is still hot—will the Fed do anything about it? [4:57] CoreWeave and Super Micro earnings show AI demand is alive and well [18:18] Nvidia's $500B announcement is great for AI stocks [29:15] What gold's rally says about the Fed's interest rate plans [35:59] Think the U.S. dollar isn't backed by anything? Think again [38:51] Today's episode is brought to you by Savvy, the smarter way to book a vacation rental. Travelers save an average of $400 versus Airbnb and VRBO. Your unforgettable family vacation is waiting—and thanks to Savvy, you'll get the rental you want, at the prices you deserve! Savvy.com: Stay smarter: https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

Vacation rental search is changing fast.Organic traffic is declining, AI Overviews are taking up more space in Google, and travelers are increasingly using tools like ChatGPT, Gemini, and Claude to research where to stay.For property managers, that creates a new challenge: how do you stay visible when the way people search is no longer as straightforward as ranking on page one of Google?In this episode, Alex & Annie are joined by Vanessa Humes, VP of Sales and Marketing at ICND, and Jill McGee, Senior Digital Marketing Specialist, to unpack what this shift means for vacation rental brands and their direct booking strategies.They explore why SEO is still very much alive, how AI is changing the path travelers take before reaching a website, and why the fundamentals of trust, authority, useful content, and strong website structure may matter more than ever.The conversation also looks at what operators should actually be paying attention to as new terms like AEO and GEO enter the marketing vocabulary, whether emerging AI optimization tactics are worth the hype, and how the metrics used to measure digital marketing success may need to evolve along with search.In this episode, we discuss:06:45 - Why declining organic traffic does not mean SEO is losing its value07:33 - How AI is changing the way travelers research and discover vacation rentals26:14 - What SEO, AEO, and GEO mean for vacation rental marketers10:32 - Why trust, reviews, structured data, and strong content still matter36:27 - How property managers can create content with stronger booking intent23:41 - Why AI-driven traffic may be smaller but more qualified29:00 - Which new AI optimization tactics deserve attention and which may be more hype than substance48:20 - How operators should think about search visibility heading into 2027If you are trying to understand where SEO fits in an AI-driven search landscape and what your vacation rental brand should be doing now to stay discoverable, this episode is worth a listen.Connect with Vanessa:LinkedIn: https://www.linkedin.com/in/vanessa-humes-549b528/ Connect with Jill:LinkedIn: https://www.linkedin.com/in/jill-highsmith-mcgee-940908179/ Connect with ICND:Website: https://bit.ly/3THIq8J LinkedIn: https://www.linkedin.com/company/intercoastal-net-designs/ Free Resource from ICND:Download ICND's AI Visibility Case Study to learn how vacation rental companies can adapt to AI-driven search.

Lightsabers, Collectibles, and Comic-Con Recaps Dive into our latest sci-fi exploration featuring epic collectibles and events. In this week's episode of Podcast for Sci-Fi, Moose and Game God dive deep into the world of collectibles, touching on everything from Star Wars lightsabers to the latest happenings from Comic-Con. Old Favorites and New Finds Moose kicks off the episode with a playful tease, asking, “What if I told you that we’re talking about the ninth Jedi from Star Wars?” The excitement doesn’t stop there. The duo showcases some impressive new collectibles, including a stunning Optimus Prime figure and a classic Megatron. Game God shares his thoughts on the importance of these characters, saying, > “They need Optimus. Just so you know. You know who they didn’t bring back? Megatron.” Lightsaber Disappointments Game God recounts his recent trip to Disney's Hollywood Studios, where he was determined to purchase a lightsaber. He recalls, “I came cash in hand, right? Like, here, take my money.” Unfortunately, the selection was underwhelming, prompting him to create his own lightsaber at Savvy’s Workshop. He proudly reveals, “This is a temple guard… and yes, I got the purple Kyber crystal!” Comic-Con Buzz As the conversation shifts, the hosts reflect on the recent San Diego Comic-Con. The buzz surrounding the event continues, with mentions of upcoming Spider-Man releases and other exciting news that fans can look forward to. Closing Thoughts As they wrap up, Moose and Game God remind listeners to cherish the collectibles they love, no matter how big or small, and to stay tuned for more sci-fi excitement in future episodes. Whether you're a die-hard fan or a casual observer, there's always something new to explore in the world of sci-fi. Catch the full episode here. The post Episode 522 – Spider-Man Brand new day, 9th Jedi Star Wars, Universal Epic appeared first on Podcast4Scifi.

(This episode originally aired on March 17, 2026.) As health systems pursue growth beyond traditional avenues, the role of the strategic planner is becoming increasingly complex. High level directional data is no longer enough — achieving meaningful, differentiated growth now requires leveraging granular, sophisticated data to inform investment decisions. In this episode, host Rachel Woods sits down with Advisory Board experts Sebastian Beckman and Ellie Wiles to explore how health systems can rethink strategic planning for 2026 and beyond. Together, they unpack what it should actually look like to democratize data, why data governance matters just as much as data access, and how service line leaders can partner with planners to make faster, more precise, margin savvy decisions. We're here to help: Tools | Get in touch with a representative to learn more about Advisory Board's Market Intelligence tool Podcast | 289: What are health systems doing in 2026? Results from our survey are in. Playlist | Radio Advisory Provider Strategy and Financial Outlook Playlist Case Study | How UT Southwestern closed genomic testing gaps in prostate cancer care Sponsor link: How UCHealth lowered population-level obesity rates in their region

Send Jackie A Message!You want to be well known in your town. You want more bodies in the room, because a full class is more fun to teach. You want a predictable way to grow your membership instead of waiting on referrals. And you want fresh faces, because you have been rotating through the same people for a while now.Paid ads are the growth lever that changes all of that. Money is what stops most studio owners from pulling it.So this is the money episode. In week three of our month on paid advertising, I break down what running ads yourself really costs your yoga or Pilates studio, including the version you think is free. We run the hours, the skill decay, the cost per lead, and the four hurdles that drain your budget before a single new student walks in. The question was never whether you are smart enough to learn Meta ads. You are. The question is whether you can afford to keep being your own ads department.TIMESTAMPED OUTLINE[00:00] What every studio owner tells me they want[03:01] Why the Studio CEO Ads Agency exists[05:57] The four blockers: budget, knowledge, "I'll do it myself," time[09:23] Five hours a week is six full work weeks a year[11:45] Why ads knowledge expires and your sales skills do not[14:53] Where do-it-yourself starts draining your budget[17:30] The lead that went cold and the winning ad you broke[19:45] You are the talent: how CEOs divide labor[21:11] $15 leads versus $200 leads[24:48] Why $5K agencies do not fit a studio payroll[27:48] The runway of warm leads you are burning through[29:18] Your next step, and why this window is closingKEY TAKEAWAYS✓ The real question is not "can I afford an agency," it is "can I afford to keep being my own ads department."✓ Five hours a week on ads is 250 hours a year, six full work weeks in ads manager, priced at your CEO rate.✓ Boosting a post does not reach new people. It shows your post to the audience you already have.✓ At $15 per lead, $1,000 brings 67 people in the door. At $200 per lead, it brings five.✓ Every business runs on a runway of warm leads, and it shortens every month you skip cold traffic.PULL QUOTES"Not what does an ad cost, but what did the whole machine cost, including the version that you think is free.""You don't have six work weeks a year at your CEO rate to be an ads manager for 20 minutes on a Thursday.""Not one thing on this list is about intelligence. It's a full-time attention problem happening to a part-time attention owner.""Everything else you're doing will not matter if new students stop finding you.""You are the talent. Your students and your team need you way more than the ads dashboard does."FAQsHow many hours a week does it take to run your own studio ads?Owners running their own digital marketing report three to ten hours a week, roughly 250 hours a year at five hours. Professionals spend far more, with one media buyer describing 12-hour days in peak season.Does boosting an Instagram post count as running ads?No. Boosting shows your post to your existing followers instead of the cold audience you need. That is why owners try it, see no new students, and write off ads entirely.What is a good cost per lead for a yoga or Pilates studio?It varies by market. Jackie has clients paying $1 per lead online, $5 on Google, and $15 in studio markets. Unmanaged accounts can climb to $200 per lead.Why do my ads stop working after I change them?Every change to the offer, audience, creative, or landing page resets the platform's learning phase. Excited owners break winning ads by improving them.What does ads management cost for a studio?Many agencies start near $5,000 a month plus a $5,000 minimum spend. The Studio CEO Ads Agency is $1,000 a month with no minimum spend.How do I apply for the Studio CEO Ads Agency?Head to the website, click Studio CEO Ads Agency, and fill out the two-minute application. Strong fits get a call with Jackie before maternity leave begins in September.Work with Jackie MurphySay Hi on Instagram @studioceoofficialThe Studio CEO Ads Agency: https://www.jackiegmurphy.com/agencyJoin The Studio CEO Program: https://www.jackiegmurphy.com/studioceo

Owner-assisted maintenance, with all four hosts aboard: Ben, Brian, Ted, and Mark (1DullGeek), the show's resident expert, currently apprenticing in his mechanic's shop. What are you actually allowed to touch on your own airplane? The crew walks through 14 CFR 43.3(a), the 31 preventive maintenance items in Part 43 Appendix A(c), and the fine print that says you can change a tire on the rim but not remove the wheel, since that means touching the disc brakes. The sport pilot exception (SLSA only), why the list is not "examples," the Coleal interpretation and what Mike Busch and others have made of it, and the practical wisdom: even when it's legal, do it with your A&P the first time. Plus your aviation-lingo-at-home tape machine submissions from the EP191 ask, and the words of wisdom every procrastinating owner needs: the small problem you delay fixing becomes a major problem at the most remote airport on your trip.Mentioned on the show:Opposing Bases: https://www.opposingbases.com/Cheese Pilot: https://www.youtube.com/@cheesepilotGita and the Calm Cockpit Podcast: https://calmcockpit.com/Mark/1dullgeek's youtube: https://www.youtube.com/@1dullgeekTL Sparker: https://tlsportaircraft.com/sparker/Arrested Development, Mr. Wendal song: https://www.youtube.com/watch?v=qcnPfHS24Pg#t=1mMeat and Three: https://en.wikipedia.org/wiki/Meat_and_threeWhy can we work on our own aircraft? 43.3(a): https://www.ecfr.gov/current/title-14/part-43/section-43.3#p-43.3(a)43 Appendix A(c): Preventive Maintenance. https://www.ecfr.gov/current/title-14/chapter-I/subchapter-C/part-43/appendix-Appendix%20A%20to%20Part%2043#p-Appendix-A-to-Part-43(c)Except for sport pilot, pilots can perform preventive maintenance on owned or operated aircraft. Sport pilots only for SLSA: https://www.ecfr.gov/current/title-14/part-43/section-43.3#p-43.3(g)The Coleal Interpretation: https://www.faa.gov/about/office_org/headquarters_offices/agc/practice_areas/regulations/interpretations/Data/interps/2009/Coleal-Bombardier%20Learjet_2009_Legal_Interpretation.pdfAOPA: Mike Busch and Savvy on Coleal and maintenance: https://www.aopa.org/news-and-media/all-news/2019/october/pilot/savvy-aviator-preventive-maintenanceAOPA: Mike Busch on Coleal and other interpretations: https://www.aopa.org/news-and-media/all-news/2023/august/pilot/savvy-maintenance-legal-interpretationsGAN: Jamie Beckett on interpretations: https://generalaviationnews.com/2025/08/26/the-rules-mean-what-the-rules-say-or-maybe-not/

Do you need to clean house? This episode of the Bible Savvy Podcast unpacks King Josiah's story in 2 Kings 23, exploring how knowing God's Word moves us to actively search out and remove sin in our lives. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

Episode 280: I've Changed My Mind: Why Savvy Shopkeeper is Evolving This episode looks a little different. Instead of teaching a topic, Kathy is pulling back the curtain on a few things she's changed her mind about over the last couple of years, and why those changes are reshaping Savvy Shopkeeper starting this year and into 2027. Kathy walks through her own perimenopause journey and the two-plus years she spent blaming herself before finally getting answers. She shares what graduating from the Goldman Sachs 10,000 Small Businesses program taught her about her real strengths. She opens up about her ADHD diagnosis and how it changed the way she talks to herself. And she explains why every retail challenge, from inventory to hiring to pricing, is really the same conversation wearing different clothes: a decision. She also shares how she's using AI in her own business, what it will and won't replace, and what's coming for Savvy Shopkeeper, including her first book, Retail Roadmap, and her next conference in Cleveland, Ohio. In this episode: Why Kathy spent two years thinking something was wrong with her, not something happening with her body What the Goldman Sachs 10,000 Small Businesses program helped her see about her strengths Her ADHD diagnosis and how it quieted her inner critic Why independent retailers don't need more information, they need better decisions How Kathy is using AI to support her team, not replace it A first look at her upcoming book, Retail Roadmap, and her 2027 conference For show notes or links to anything mentioned visit SavvyShopkeeper.com/Episode280 Kathy Cruz is an Independent Retail Coach who helps store owners work smarter, profit more, and grow their brick and mortar businesses. Connect with Kathy and learn more here: Website: Savvy ShopkeeperInstagram: @savvyshopkeeperMastermind Group: Master Shopkeepers  

Ryan Belanger — Founder & CEO, Claro Advisors Most firms are adding AI to existing workflows. Ryan Belanger chose a different path, acquiring a fintech company and rebuilding Claro Advisors around an AI-native platform. He explains why he believes the future belongs to firms that rethink how they operate, not just the tools they use. In Summary Most firms view AI as another technology investment. Ryan Belanger sees it as a business strategy. Louis sits down with the Founder & CEO of Claro Advisors to discuss why his $1.5 billion RIA acquired a fintech company, built an AI-native operating platform, and believes the firms that gain the biggest advantage won't simply adopt new technology—they'll rethink how their businesses are built. The conversation also explores the broader philosophy behind that decision. Ryan shares why he's consistently chosen unconventional paths—from recruiting younger advisors and embracing a partnership model built around ownership to investing in proprietary technology instead of relying on third-party solutions. For advisors, the bigger question isn't simply how AI will change their workflow. It's how it may change what it takes to build a durable, differentiated advisory firm. The Storyline Every generation of wealth management has been shaped by a different competitive advantage. For some, independence paved the way to build unique branding and a bespoke client experience. Inorganic growth and M&A gave many firms access to scale and growth. Today, many believe the next advantage will come from artificial intelligence. But simply adopting AI may not be enough. Ryan Belanger has spent his career challenging conventional thinking. He left Morgan Stanley in 2012, well before independence became mainstream. He built Claro Advisors by investing in younger advisors instead of competing for established producers. He embraced a partnership model centered on advisor ownership rather than restrictive employment structures. And when AI began reshaping the industry, he made another unconventional decision: instead of licensing another technology platform, Claro acquired a fintech company and built its own AI-native operating system. Louis explores the reasoning behind each decision and the philosophy that connects them. Ryan explains why he believes proprietary technology will become a defining competitive advantage, how Claro's AI platform, Claire, is changing advisor workflows, and why the biggest opportunity isn't replacing advisors; it's giving them more time to do the work clients value most. The conversation also tackles practical questions facing every advisory firm: how to integrate AI responsibly, where human judgment continues to matter most, and why the firms best positioned for the future may be the ones willing to redesign their businesses instead of simply adding another layer of technology. Topics Covered AI-native advisory firms Acquiring a fintech versus licensing technology Building proprietary advisor technology Advisor productivity and workflow automation Recruiting and developing younger advisors 1099 partnership model and advisor autonomy Enterprise building and long-term differentiation AI governance and advisor trust The future of wealth management technology > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Ryan launch independently long before it became common? (7:30) Ryan explains why leaving Morgan Stanley in 2012 wasn't simply about independence—it was about creating a better business model while betting on himself. Why recruit emerging advisors instead of established producers? (15:00) Ryan shares why investing in younger advisors has become one of Claro's greatest competitive advantages and succession strategies. Why would an RIA buy a technology company? (23:45) Rather than licensing another platform, Ryan explains why Claro acquired NDVR to build proprietary technology that could fundamentally change advisor workflows. How does Claire actually help advisors day-to-day? (33:00) From meeting preparation and client follow-up to portfolio management and workflow automation, Ryan walks through how AI is saving advisors meaningful time. Will AI replace advisors—or make them better? (36:30) Ryan discusses where AI belongs, where human advice remains essential, and why he believes technology should enhance – not replace – the advisor relationship. What does the advisory firm of the future look like? (38:20) Ryan shares his long-term view of how AI, proprietary technology, and advisor expectations will reshape wealth management over the next decade. Key Takeaways Ryan believes firms that build AI into the foundation of their businesses will create greater long-term differentiation than those simply adding new software. Claro's acquisition of a fintech company reflects a strategy of owning core technology rather than relying exclusively on third-party vendors. AI is most valuable when it eliminates administrative work, allowing advisors to spend more time serving clients. Recruiting younger advisors and investing in long-term talent has become a defining part of Claro's growth strategy. Advisor autonomy, equity participation, and technology can create stronger retention than restrictive employment models. Human relationships remain central to wealth management, even as AI becomes increasingly capable. The firms that adapt fastest may be those willing to rethink their operating model—not just their technology stack. https://youtu.be/7XvSXi0PzXI Quotable Moments “I wanted to build something that was integrated instead of just layering another tool on top.” “We're trying to make really good advisors become super advisors.” “Clients still want advice from a person—but they're going to expect that person to know how to use AI.” “The firms that win won't necessarily be the ones using the most technology. They'll be the ones building differently.” FAQs Why did Claro Advisors acquire a fintech company? Ryan believed owning proprietary technology would create greater long-term differentiation than licensing another collection of third-party tools. What is Claire by Claro? Claire is Claro Advisors' AI-powered chief of staff, designed to automate advisor workflows, prepare meetings, organize client information, and streamline operational tasks. How is Claro using AI differently than many RIAs? Rather than layering AI onto multiple disconnected applications, Claro built an integrated operating platform where AI has access to the advisor's workflow, planning, portfolio, and client information. Will AI replace financial advisors? Ryan believes AI will automate much of the administrative work advisors perform today, but that clients—particularly those with more complex needs—will continue to value human advice and relationships. How does Claro recruit advisors? The firm emphasizes advisor ownership, partnership, equity participation, technology, and operational support instead of relying primarily on acquisition-based recruiting models. What does Ryan believe will differentiate advisory firms in the future? He believes proprietary technology, integrated AI, and the ability to improve advisor productivity will become increasingly important competitive advantages. Ryan believed owning proprietary technology would create greater long-term differentiation than licensing another collection of third-party tools. Claire is Claro Advisors' AI-powered chief of staff, designed to automate advisor workflows, prepare meetings, organize client information, and streamline operational tasks. Rather than layering AI onto multiple disconnected applications, Claro built an integrated operating platform where AI has access to the advisor's workflow, planning, portfolio, and client information. Ryan believes AI will automate much of the administrative work advisors perform today, but that clients—particularly those with more complex needs—will continue to value human advice and relationships. The firm emphasizes advisor ownership, partnership, equity participation, technology, and operational support instead of relying primarily on acquisition-based recruiting models. He believes proprietary technology, integrated AI, and the ability to improve advisor productivity will become increasingly important competitive advantages. Related Resources Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com Emotional Intelligence: The “Untouchable” Differentiator in an AI World Diamond Consultants Annual Advisor Transition Report Ryan BelangerChief Executive Officer & Founder Ryan founded Claro Advisors in 2012 after seven years at Morgan Stanley. He named the company after a Latin phrase “to make clear in the mind.” All Claro advisors strive to give their clients clarity and transparency, core tenants of the firm. Claro is continuously recognized within industry for its growth and thought leadership. In 2004, Ryan received a BA in Economics from The College of the Holy Cross and in 2009, he earned the Certified Financial Planner™ distinction. He is most proud of his philanthropic activity. Along with his wife Rachel, they started a foundation that raises money for genetic research in the name of their late daughter, Bella. Their focus is on extreme rare disease. Ryan resides in Boston’s Back Bay with his wife Rachel and their three children. He enjoys exercising, golfing, reading and spending time with his family. He has been featured in numerous magazines and industry publications and is regularly on television sharing his market thoughts. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future A conversation with Louis Diamond and Ryan Belanger, Founder & CEO of Claro Advisors.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future. It’s a conversation with Ryan Belanger, the Founder and CEO of Claro Advisors. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven, and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Artificial intelligence has quickly become one of the biggest topics in wealth management in the world. Almost every firm is experimenting with new tools, looking for ways to automate tasks, improve efficiency, or help advisors serve clients more effectively. But what if AI isn’t just another technology to plug into your business? What if it becomes the foundation for how your business is built? That’s exactly why I wanted to have Ryan Belanger on the show. Ryan is the Founder and CEO of Claro Advisors, a billion and a half dollar RIA that’s taken a very different path than most firms in the industry. Rather than simply adding AI to an existing tech stack, Claro acquired a FinTech company and is building its own AI native operating system designed specifically for advisors. What’s interesting is that this isn’t really a conversation about software, it’s about strategy. Ryan has consistently gone against the grain from leaving Morgan Stanley to launch an independent firm in 2012 before it became commonplace, to recruiting younger advisors when others chased established producers, to betting that proprietary technology will become one of the biggest competitive advantages an advisory firm can have. If AI is going to reshape wealth management, and I think it will, the firms that benefit most may not be the ones using the most tools. They may be the ones rethinking how the entire business operates. Ryan shares what that looks like in practice, what he’s seeing from advisors today, and why he believes the next generation of advisory firms will look fundamentally different from the firms we’ve known over the last two decades. There’s a lot to cover, so let’s get to it. Ryan, thanks for joining us today. Ryan Belanger: Yeah, nice to see you. Louis Diamond: You too, good to see you again. For those who aren’t familiar with you and your firm Claro, why don’t you walk us through your background and how you found your way into the industry to set the table. Ryan Belanger: Yeah, sounds good. So background was after college, I got a job at Morgan Stanley. I’d done an internship while in college and that gentleman, Morgan Dewey, said you should look at the Morgan Stanley. So I applied, got a job immediately, and just a couple weeks after graduating, I began as a financial advisor in a training program at Morgan Stanley and spent a good amount of time there and was able to develop skills necessary that really I had all along just growing up, a lot of entrepreneurial spirit I think is important in this business, how to relate to people, some competitiveness. I just happened to luck out and get into a profession that rewarded some of those skill sets. Louis Diamond: I’d say it was the right choice for you. So I think you started at Morgan Stanley in 2004. You were 21, 22 years old, just cutting your teeth, but the financial crisis happens a handful of years later. So what was it like being a relative newbie and seeing client accounts falling, the world crumbling every day? What did living through that crash teach you that’s shaped how you’ve built your business or serve clients now? Ryan Belanger: I did learn a tremendous amount at Morgan Stanley and I do still tell people if they’re looking to start at a big shop with big training programs and resources and really try to figure out what you like and then you can go off and get more specialized. But I do feel like it was a great place to get trained. They would post how many cold calls we were making every day. So on the board every morning you’d walk in and say, “Okay, where did you fall?” And I’m a competitive person, and I just want to make sure I was first every single day. So it was those type of things that really propelled me to keep interested in this business but also see the benefits. It’s really hard to get clients and that’s what people underestimate the most is to build the level of trust with someone that they’ll allow you to manage their retirement nest egg is it takes time. And I was 22, I looked really young, I had no experience, but I was fortunate to have two great mentors at Morgan Stanley, a gentleman named Todd Wetzel. He was brilliant at developing relationships, really caring for people. And then the gentleman that I had done an internship with went to Morgan Stanley as well, and he allowed me to work on some small accounts and really cut my teeth with some customers. And I was very fortunate to have done that, but you’d asked about the crash, and I think what I learned from that when people were literally weeping when their account values were down by 50%, 60% was that money is really emotional, and you have to understand how much it means to people, it’s not just the number on your screen. So having some empathy towards someone who’s really in a period of distress is now a critical skill that those of us have been around for this long understand. And there’s a whole generation, Louis, of advisors that have never experienced a real bear market, and I do fear for them at some point because when you go through that, it really changes the perspective that you have. But for me, it happened, I was four or five years into the business at that point, so I’m thankful that it happened just for my own personal development and I’ll never forget it. Louis Diamond: Yeah. Things have a way of happening for a reason and then the best advisors, best humans, they learn from them, and they’re better off for it. You’re very much right. I like that perspective about how the empathy around the emotions of money was something that you still carry and wear as a badge of honor today. So you left Morgan Stanley in 2012. I think you were 30 years old I read. One, that’s very young to consider leaving a firm like that nonetheless to go independent when in 2012, it wasn’t like everyone was going independent. There weren’t as many infrastructure providers or tech vendors or as much capital available as there is today. It definitely wasn’t a path that was as well-worn as it was. So two-part question, what pushed you to leave the firm presumably without a huge book of business? And second part, how’d you think about risk and reward at that age? Ryan Belanger: Yeah, what drove me was ultimately I felt like I was not seeing the value from the firm I was at, Morgan Stanley at the time. They were just taking an exorbitant amount of the revenue I felt. And I would see product managers strolling through and going to steak dinners, and I’m thinking, geez, I’m here every night on weekends. I’m busting my butt, and I should be creating more value to myself. And so that was one kind of thing. And I think there was a right level of naivete just to think that I could pull this off. I did believe that I had a small number of clients. I was hopeful that they would come because I had to hit a minimum for the custodian platform to start the RIA, which I was able to do. But I felt that they would come with me and that I had developed enough trust with them that I could be their advisor for a long time. And so for me, it felt like the technology wasn’t great. I was just told the mother-in-law is an expression. She says to my kids sometimes, “You get what you get and you don’t get upset.” Have you heard that expression? Louis Diamond: I have. My daughter reads a book where that line is repeated frequently. Ryan Belanger: Yeah, okay. So that’s how I felt then. I was like, “This is what you have and deal with it.” And to me, it just felt like there had to be a better way, but I didn’t have any capital backing, so I bootstrapped it. I Craigslisted an office from an estate planning attorney. I cold called Fidelity at the time they were our only custodian. I called to get some compliance help and I just thought that there’d be other people that would want to join. I named the firm, it’s a Latin phrase, it’s Claro Advisors, and it means to make clear in the mind. And I felt like not only was I trying to do that for clients, but I was trying to push advisors to challenge the norms here. There are other solutions out there. So I purposefully did put my name on it, I knew that there’d be other people that might feel the same way. I’ve always been a team sport guy. I like being around other people and collaborating. And I did have a good friend and credit to him. He said, “If you put this together, I’ll come with you.” And so just a couple weeks after I did, we talked and I said, “It’s up and running.” He came and Dana was our first, he’s still with us. And then a couple of months later, another guy I used to work with called and said, “Hey, I’m at this bank, and it looks like what you’ve done is interesting.” And I said, “We like it if you’d like to give it a try.” And so he came, his name’s Mike. He’s still with us. And so teams started to get put together. But I met someone in 2014, so I was two years in at that point and I was doing legitimately everything, not only as an advisor, but just all the stuff that you have to do to run the business. And it was becoming too much, especially the compliance. And I think nowadays starting an RIA, the threshold is so much higher. That’s why you see better than anyone else. You just see a lot more tuck-ins. But Jen Street was someone that I met and she really allowed me to catapult the business and scale it, so she took over all the operations and compliance and that really freed me up to be an advisor. And I really was just an advisor moonlighting as someone running. I would recruit a little bit or just be introductions, very soft. All that has changed based on what we’ve done in the last couple of years. Louis Diamond: Amazing. So thinking about risk spectrum, obviously now if you look back and say, “Hey, I had 30 million or whatever it was, I didn’t have anything to lose.” Right? But when you’re in it and you had income, you had recurring revenue, you had a paycheck versus the dynamic of, “I’m going to incur a bunch of expenses. I’m not positive who’s going to come with me. I’m not going to have a paycheck for a period of time.” Did the fact that your business was relatively small and you were just getting up and running, do you think it made it easier for you to reconcile that risk, or in some ways it was harder because your dispersion, if someone didn’t come, was that much higher? Ryan Belanger: I think it was easier for me, I knew I could always go to another firm. They would take me and whatever clients I had. I did it at a time when I had little personal risk, no kids, no mortgage. I didn’t have a wife at that point. So for me, it felt like the right time to take a risk. And I had been entrepreneurial in my life. I mean, I had a business in high school and my parents and grandparents were entrepreneurial. So that was in me, even if I didn’t really recognize it, was that I was okay with a good level of risk. And I do say this now to anyone that I’m hoping to partner with is that if you want to bet on yourself, I’ll go all in on you too. But you’ve got to be able to take that jump. I won’t let you fail, but you’ve got to be the one. I think that inertia is what a lot of advisors are like, “Geez, I don’t know, I got to give something up.” And that’s why the data’s important and you have all the data. The clients overwhelmingly go with the advisor. These days it’s just much harder to try to establish a new relationship with a trusted advisor than it is to just DocuSign some forms and move your account somewhere. So to me, it’s just trying to support people, and really push them to the edge and say, “No, this is possible. You should definitely explore this.” And I get it’s totally different, and you might be at a different life stage, but you know the numbers. I mean, tens of thousands of advisors are moving every year and not all of them have a small book like I did when I did it. Louis Diamond: Right, exactly. On one hand, making this entrepreneurial move as early in your career as you did, it was a benefit, right? Because you didn’t have as much to lose, like you said, the stage of life you’re in allowed you to absorb more risk. On the other end of the spectrum, if someone who has a massive business with immense value, they’re well situated financially, maybe their kids are through college, et cetera. And then most people are somewhere in the middle. So it’s interesting hearing that dynamic in real time. Let’s talk about Claro today. So you launched the business, like you said, you had to work hard to meet a minimum custodial threshold. So started from a very small base in 2012, but where is it today as far as assets, team size? Just give us some stats or perspective on what you’ve built in the last decade and a half or so. Ryan Belanger: Yeah, sure. So we enjoyed a tremendous amount of organic growth, Louis. We are not capital-backed. We don’t buy books of businesses, so I would recruit or partner with advisors that were coming from all the various places that you could think of that were finding us to be a very friendly place to work where you had a high level of autonomy, freedom, control, just great economics. We stayed out of people’s ways. We were just good people trying to help other good people, and it was just that friendly environment that allowed us to grow. And of course, we can’t discount market. I think markets had a tremendous growth for everybody in the business. And so the business as it stands right now, we’re about 1.5 billion in assets, 15 to 20 advisors. We got a 40-person team based primarily at a Boston headquarter, but we have advisors all over. And I think as we’ll get to, we’ve just gone through a really exciting new chapter for us where the next 15 years are going to look a lot different than the previous 15 years. Louis Diamond: Very cool. That’s amazing, and I’m in the recruiting businesses and doing recruiting yourself, it’s not easy to tell your story, get in front of the right people, the right like-minded people too, who are willing to take the leap to you, especially if you don’t have the capital backing and you can’t pay big deals or write big checks like others could, so that’s a massive testament to you and your vision. I know the average age of an advisor at Claro is around 40, yet the average advisor in the industry is 59, 60, 61, depending upon what data source you look at. What do you think you figured out about attracting, training, and really cultivating younger advisors that the rest of the industry either gets wrong or ignores? What’s been your hack in that regard? Ryan Belanger: I’ll just take a chance on people that others might not. And typically what that really means is someone with nothing, I’ll make them a deal and I’ll say, “Look, I believe in you. I think you’d be a great advisor. Let’s work on an arrangement where you feel like you can do this and I’ll support you.” And so our specialty was growing advisors from 20 million or 30 million into hundreds of million of client assets. And some of it was just being willing to look where others wouldn’t possibly want to spend their time. But when I was 22, someone took a chance on me, and so I owe it to the next generation to do that as well because there’s some great talent out there that really just isn’t getting the attention they deserve because they don’t have big books of business yet. But one of my core values is long-term thinking, and so that’s the way I frame my decisions is it doesn’t have to be a win today, but it can be a championship tomorrow or down three or five years from now. And so that’s how I’ve positioned it. I think that’s why we tend to get younger advisors. And then what happens when you get a lot of younger advisors, you have some older advisors say, “Hey, look, that’s an attractive bench of talent. I needed a succession plan. You guys seem to have a bunch of guys and gals that know how to do really great work and serve clients.” But I think that’s probably one of the things that I just was willing to take some chances on people at an earlier stage. Louis Diamond: Yep. I love it. I mean, once again, you said in the beginning, you developed an empathy for the emotional side of money and what people were going through that you carry through to this day. So not losing touch with the fact that you started. I mean, everyone starts in this business at some time, but I feel like once you’re successful or you’re through the first few years, you forget what it was like to be a newbie. So keeping that perspective and appreciation for the mentors you had, et cetera, is great. And honestly, from a business building standpoint, to me in this environment, unless you take on private equity capital, or you have capital from a BD or from a wirehouse behind you for recruiting, it’s really hard to win advisors with large books of business. So going in the blue part of the ocean instead of the red ocean, if anyone’s read that book, is very smart, looking under rocks that others don’t or really buying into or leaning into folks that you see something in that you know you can cultivate is a brilliant way. And it’s honestly more scalable, cheaper, you build a better business as well doing it the way that you do, but still, it’s hard. And my guess is the ROI is shorter. I’m sure you’ve made some hires that don’t pan out. So you have to have the tolerance and the demeanor to really invest in people. So long-winded way to say I love what you’re doing. How much of your recruitment of advisors and the retention of that talent as they become successful would you tie to how you compensate them, or equity if that’s available versus the culture of the firm and the mentorship that you and your team provide? Ryan Belanger: Yeah, I mean I’ll speak to what we’re offering now just because that’s more relevant, and so we are positioning ourselves now as the best home for advisors in the country and we really believe that’s the case, but our problem is we’re just a secret. We’ve just come to the market after our deal and all the technology that I know we’ll talk about. So we’re now marketing this message to advisors that want to partner with us. Economics will help them grow. We have a really interesting growth program. We’ll give them equity and Claro. I firmly believe that we should tie each other, just get in the same boat, so to speak. So our success is their success, but allowing them to operate in a 1099 model, which I know is not a popular strategy. I know everyone wants to buy books and own the assets and own the clients, but I feel there’s a tremendous amount of advisors that do not that probably should not be monetizing their businesses so quickly. And so I’m trying to foster a home for those like-minded advisors that want the autonomy to own their clients, maybe even still have a brand, but partner with a firm that’s got really credible technology, just unbelievable back office support and a firm of the future so that they can grow at 10X to what they could have on their own and then they could monetize. That’s what we’ve tried to put together here with our partnership model. Louis Diamond: Love it. Yeah, I mean it is definitely going against the grain a little bit, leaning into growing a 1099 model versus more of an acquisition model where everyone coming over as W-2s. So do you think about those trade-offs when it comes time to raising capital down the line or if you want to sell the business or even just an advisor wants to leave, that would stink if that happened. How do you think about those trade-offs? The ability to let advisors keep control and ownership. And honestly, in my view, probably win many people that you wouldn’t otherwise versus the stickiness, and the enterprise building abilities of owning the books of business. Ryan Belanger: Yeah, it’s a paradox because I understand why you want to own the client, but that’s a different business model. And frankly, I think it attracts different type of people. I had to really look myself in the mirror a couple years ago. We had enjoyed a tremendous amount of success, high growth and all organic, growing at 30% more per year on a CAGR basis. Nothing could stop us. But what happened was when private equity entered the space, everyone wanted to buy Claro. And to me, it didn’t feel like I did a lot of due diligence. I talked to a lot of firms. I didn’t see any differentiation in the market, Louis. To me from a technology perspective, everyone was doing the same thing. They’re using six to 12 different tools. We all know who they are. And now there’s a bunch of AI tools they’re layering on. And to me, it just didn’t feel like that was going to be any… There was no differentiation in the market. But admittedly, I had a couple of friends who I’d brought in at very low levels of AUMB that wanted to leave. And they said, “Look, I want to go to a firm that has more resources.” And so I had to just make a business decision and say, “Where do I want to take this?” And so it was only after some real adversity because you get emotionally attached to these people that you’ve developed friendships with and they still are friends, no doubt, but they can leave and they’re not captive. So we have to plan for that at Claro now, and I think we’ve got two ways that we’ve done that where it really ties the advisors to us, but in a way where they want to be here because we have something that’s really different. Louis Diamond: I like it. I’m sure we’ll get into that. But before we do, we’ll get into what you’re doing on the technology side, which is very cool and unique. How do you balance being an advisor and being a CEO? And what percentage of your time is advisor versus CEO and has that fluctuated or changed over time? Ryan Belanger: Drastically changed in the last year, two years or so. So the first 10, 12 years, I was really an advisor first and foremost. That’s inverse at this point, I’m strictly running the business. I have a great team here that deals with our clients, and I’ll still attend the client meetings and such, but I’m really laser-focused on running the business, trying to develop new partnerships with advisors, running an engineering team, sales and marketing. So the change for me has definitely occurred, and I’ll miss not keeping up with planning as much. I’m a CFP, but I just recognized that for me, I had to make a clear change and commit all my time to running the business, and so that’s the decision that I’ve made. Louis Diamond: It is a hard balance. I mean, there’s some people that try to do both, run a business, be an advisor, be a rainmaker, and something breaks. You’re not able to give all yourself to one thing. Then there’s others that would much prefer to be an advisor over a business owner. Others who say, “I’m over being an advisor. I want to be a business owner.” So I think the cool thing about doing what you’ve done is you get to choose, right? Some of it might be circumstances, but you really got to decide which elements of the business you personally want to invest your time in. And you really push your chips in the middle of the table. So let’s get into what you did in November of 2025. I read that you acquired a tech company of all things called NDVR. I’ve done this podcast for a while, speak to a ton of people. I can’t really think of anyone, any advisor or RIA that’s actually bought a tech company. So what made you puck the trend, buy a tech company and not just license all the FinTech that’s available today? Ryan Belanger: Yeah, that was the decision I had to make was do I really want to be different, or do I want to just say that I’m different? And so I was fortunate enough to get introduced to a gentleman named Michael Simon about 18 months ago, two years ago. And him and I immediately could see that we were both trying to solve the same problem, and we had perfectly mirrored image skills of one another so I had this deep wealth experience and he had a deep tech experience. And sometimes it’s just about timing in life, about catching someone at the right time. And I think we each caught each other at a really good time where we could see that coming together, we could create something really magical. And this AI wave was cresting. And I could see when I was talking to all the national PE firms or RIA firms about what people wanted to do, no one had quite figured out how AI was going to come into the technology mix, and it appears as though it’s just going to be another add-on tool to everything else. And for me, I wanted to try to build something that was integrated an all- in-one platform for an advisor so they didn’t have to use a ton of different tools. And I thought if you could do that, couldn’t you have AI that’s really much more rich and purposeful to help the clients? And so I felt like here’s an opportunity to elevate financial advice throughout the country, really give the clients all the value. And so what we’ve built allows advisors who are really good advisors to become super advisors because they’ve got this technology cape that no one else has that is allowing them to save a bunch of time and do all these really cool things for their clients. But it just felt like right time, right place. I’d been through a little bit of adversity and I felt like taking another swing just like I did 15 years ago going for it. I’ve really never been averse to risk, and so this felt like it was too good to pass up and so we went for it. Louis Diamond: Interesting. So that makes sense on the build or acquire versus rent dynamic, wanting to own the IP that makes you actually different. What does NDVR actually do? Ryan Belanger: Yeah, so everything’s all integrated. So we’ve kept the Claro Advisors name. We feel like clients really want to know that they’re still getting a person to deliver the advice. And so having the advisor’s name in our brand is important, but we have a Claro Intelligent Hub, and that’s where it’s an AI native operating system for the advisors. They spend their entire day in there, Louis. So they’re not toggling between 10 different Chrome tasks to perform all their business. And so what that allows them to do is not only it’s CRM, calendar, contacts, emails, messages, but we also have all the portfolio information. So trading history and we can do tax loss harvesting and factor-based investing. So we’ve got institutional grade portfolio management, and that’s really what Endeavor had created through their R&D was the hyper-personalized portfolios where you have a customer’s financial plan directly tied to their account. So there’s never any de-linking between the two. It’s really sophisticated technology that we can provide to our clients. So that’s all integrated as well. And so we’ve since continued to build the build upon that layer of integrated proprietary technology. Louis Diamond: It’s very interesting. And we have to imagine part of you maybe now or in the future is, okay, we’ve built this amazing technology mousetrap for our advisors, but do we become a FinTech? Is there any thought of eventually licensing what Endeavor is doing for your business and your clients to other RIAs? How do you think about that dynamic of just building something unique and different for Claro that advisors can latch onto versus making what you and your partners have developed into something that someone else can take and license themselves? Ryan Belanger: Yeah, it’s a fair question. We get it a good amount. While there might be a possibility that we license this to some other businesses, our main goal right now is to keep it captive to RIAs that want to partner with Claro. And so we feel like this gives them a true level of differentiation in the market, and so that’s the approach that we’re taking right now. Being a FinTech company, there’s a lot of different skills. The setup and tear down of getting someone to use the platform and I think all that time and resources we want on sales and marketing to try to attract new advisors and continue to develop just jaw-dropping technology for the existing advisors. Louis Diamond: Very cool. Let’s talk a little bit about your partnership model. So it does sound unique in that you have people that are 1099, but you don’t usually also hear partner. So how does it work? Ryan Belanger: Yeah, so we’re offering advisors to come and use Claro as a back office so you can have your own brand if you want or you can just be a Claro advisor. We have both here and you’ll be a 1099 advisor so you’ll still own the business that you’ve owned. So if you were at a wirehouse or something, you would actually now be creating some enterprise value for yourself. But if you’re an existing REA, you’d be coming to us because you’re tired of doing tech vendor due diligence all the time or you’re tired of the compliance, the AI regulations. That’s just coming. So that’s going to be a huge challenge for REAs, so we’re seeing a lot of interest from REAs saying, “Look, you’re not asking me to give up really anything except the stuff that I hate to do anyway, so this sounds great.” So they partner with us. In return, they get all access to our technology And we’ll provide all the back office support, office space, dedicated resources, planning, everything you could want to have to operate a business. We do have a growth program that’s really interesting. And then we’ve got this equity in Claro. As you’re a partner with Claro, you should get equity so we give stock options to our advisors who are here and every year thereafter. And naturally, that’s a way to stay connected with the advisor. So hopefully they never want to leave, and I do believe that once you experience our technology, you never want to go back to trying to do it the way you were doing it before. Louis Diamond: It’s like instead of building the most enclosed box that you keep people in with sticks and with locks and keys like a lot of firms do, it’s we’re going to keep advisors here, but not by force, but because they have the stock options, because you’re delivering value, because they have this amazing technology. To me, that’s the dynamic that so many firms across the industry get wrong is that they try to keep advisors where they are by restrictive covenants and by fear, and by retribution rather than if we just do good work for people, we add value, we make ourselves indispensable to the advisor. To me, it creates a healthier dynamic. I think firms would actually retain more even if it’s a gentler approach. And I love what you’re doing there. I think it’s the exact right way to think about we have advisors that are 1099, so yeah, they could leave us, but we’re doing things that make it that they don’t want to leave us. And that’s your charge as the owner to create the infrastructure and the structure where people could go out on their own, but there isn’t an advantage to do so. Ryan Belanger: Yeah, I think the culture is a big thing for us. And if you have people here that don’t want to be here, that’s a problem. And I think that’s what you see in a lot of the wirehouses. Frankly, they scare people and they don’t. It’s like, oh my God, if I leave. And for us, it’s like personally, life is too short. I want to work with people that want to work with me. I’ve got other things going on in my life and these things are just work things. And so I want to enjoy being in the office every day with people that want to be here. And if you think you’ve found a different place, you should go explore that. It’s really a soft approach. I know it’s not the most popular approach, but that’s just the style that I have. Louis Diamond: Yeah. I mean, it sounds like the trend in your career and in launching Claro was we’re going to do things that aren’t popular, but that work for us, like hiring younger advisors that may not have a book or have a small book, buying a tech company instead of licensing it, being 1099 when you’re recruiting instead of owning books of business. There’s a series of decisions you’ve made as the business owner that they’ve worked out, they’ve paid off, but they’re definitely against the grain. And I very much respect that. Ryan Belanger: I really have never been afraid to be a little different, and so I think typically you find other people that might be interested, but it’s a big pool out there. There’s 300,000 advisors so there’s something for everyone, which is awesome. Louis Diamond: Totally agree. Let’s get back to the AI platform that you’ve built, or that you’re building. Maybe give a real tangible example. If I’m a Claro advisor, how has my life changed now that I’m using this platform versus before? So the old model was I log in, like you said, to 10 different Chrome tabs. I’m meeting with clients, doing planning, et cetera. What is the day in the life? How does it look different from what an advisor’s actually doing today versus before this platform was rolled out? Ryan Belanger: Yeah. All right. I’ll just give you a couple examples. So a client will send you a request and say, “Louis, I need $25,000.” And so a typical advisor would either write a note down, go drop it off at the CSA’s desk, or maybe forward that email to the CSA and then that person would have to input it into their CRM, and they go perform the task. And then the advisor would want to know where things are in that process so that there’s a lot of back and forth. With our system, Claire, our intelligent chief of staff, AI chief of staff, you just forward that task to tasks@claroadvisors.com. It recognizes the email address that the client is emailing from, it knows the account number. It talks to our portfolio engineer. It knows which account to raise the cash from because it knows the tax jurisdiction, and otherwise, and it performs the task. And the last push of a button is that CSA just moving money from the custodian. So all along the way, the advisor can check on the task and see where it is in the process. It’s beautifully integrated in the intelligent hub, but you could see how that would save a tremendous amount of time and it’s a better customer experience. The mistakes get limited. So it really allows the advisor to get things done at a much higher level. So we’re raising productivity quite a bit. First of all, she’ll establish your meetings, Claire will. So she’ll schedule them for you. She’ll prep them for you. So we have a button, say prep the meeting because we have all the notes, emails. If you’re texting portfolio data, because she has all that information in about 30 to 45 seconds, she’s going to present to the advisor a really nice meeting summary that, “Hey, here’s the things that we should talk about.” She’s going to surface things that the advisor’s forgotten about because she doesn’t forget things. And so she’s prepped the meeting for you, so you’ve saved a couple hours there. She joins the meeting, she takes all of your notes, stores them in the system. She’ll give you a follow-up email. She knows your writing style, so she’ll know that you like to call this client this, and you send these emails typically at this time. And so she’ll deliver a nice follow-up email instantly for the advisor. They click that button, that’s done. So there’s just a lot of things that where she’s efficiency-wise where on 20, 30 hours a week that we’re saving advisors just on the productivity tools alone, so that’s where we’re seeing advisors seeing a ton of value in this. Louis Diamond: It’s very cool. Ryan Belanger: And then there’s a whole portfolio management capabilities, sweeping idle cash and tax loss harvesting and rebalancing that gets done while advisors are having a cup of coffee. They don’t have to think about these things. It just gets done for them. Louis Diamond: It’s so cool because it’s like I think I can conceptualize or think of building in Claude any one of those functionalities for the most part, but the way that the flow of things works and the journey of it is unique. I think every advisor would be interested in that type of promise of saving that much time. So how do you think now in the future, how do you think about the human advisor interaction, and what the human and the advisor will do versus what can be offloaded to AI? Ryan Belanger: Yeah, certainly a lot of the non-client-facing activity can be unloaded and that’s where advisors spend, according to recent studies, almost 60% of their time non-client-facing. So we’re trying to take all that off of their plates for them. We strongly believe clients still want the message to come from a person that has a level of experience and understands them. But at the same point, I think there’s a growing curiosity about, geez, what could it do for me? And so shouldn’t my advisor know how to use it? And so I think you’re seeing a lot of advisors put their head in the sand and say, “I don’t know. I’m just going to hope people don’t really want to use this and adopt it.” They’re a little bit shortsighted there. Our bet is that clients are going to want an advisor that knows how to use tech, has really sophisticated tech, but it isn’t just another tool layered on top that now my data is in that tool. The reason our system is so beautiful and integrated is because it captures everything in a structured and secure way. So all of the compliance is in there. We whitewash all the PII that’s sensitive information, so we’re not layering another tool on, because it’s integrated, we have an AI governance committee that really takes it seriously. How are we using this information? And so we’ve got an approach and we’ve put guardrails around what it can do and what it can’t do. Might there be a generation, Louis, that wants an AI advisor? I don’t know, that could happen. A twin, a digital twin where you say, “Look, I want to talk to Louis.” It’s 10 o’clock at night. He might be in a different time zone than me. He’s got little kids, but I do have this question. And so we’re iterating ideas on how we can surface that for an advisor to be advisable 24/7 without actually having to be available 24/7. Louis Diamond: Seven. It’s amazing to think about. I mean, obviously you’re deeply in this. You have a front row seat into the power of AI, how it’s transforming your business, doing due diligence on acquiring this technology five years from now, 10 years from now, what does the industry look like as a result of AI? What’s your big bet? Ryan Belanger: A lot of the big firms are going to try to figure out how to layer in tech. It’s going to be very difficult to do that. It’s built on extremely old legacy technology. They’ll be slow. They’ll figure out how to do some things. What we’re already seeing from advisors is the wow factor. Wow, I didn’t know this was even possible, and so I think just given our size and where we are, we have an advantage that we can build things from the ground up very quickly. I mean, what used to take an engineer a couple of months or years can be done in a couple of days or weeks, so things have really sped up in terms of the development. It’s much easier to build it than buy it. And so I think you’ll see a lot of firms trying to do what we’ve done, really build proprietary technology. And I think there’ll be a few winners that are able to do that, but being tech forward and aligned with someone who’s thinking about it, I think is what a lot of advisors are going to want to be. That’s the type of firm people would want to partner with, I think. Louis Diamond: What about the dynamic of, like you said, the digital twin thing is equal parts cool as it is terrifying, how do you see, we’ll say the threat of AI impacting the profession of being a financial advisor? Do you look at it as the entire pie is going to grow because everyone’s more efficient? Or do you look at it as it’s going to take out a lot of the advisor capacity we have because it’s no longer necessary? Where do you fall on that spectrum? Ryan Belanger: So robo-advisors came and went, you remember those. I mean, not that they went, but they never took off the way that it was projected. They’re still great businesses, but the human advisor won that battle. Clients do want an advisor, particularly at the higher end, and so I think at the lower end of the market, you’re going to see some AI solutions where people are perfectly comfortable just talking to someone in AI, and they’ll figure out if there’s a hallucinization or not. But I think there’s definitely going to be a market for it, and so I think it just depends on where the clients are and what level of complexity they have. On the higher end, I do feel like the advisors will continue to have a huge advantage there. But we’re building tools to give optionality to advisors. There might be some advisors who say, “Look, I’ll charge half the fee that I used to charge so you can get my digital twin. And that’s a win-win situation for everybody.” Louis Diamond: Yep, that’s fair. So do you look at your competitive ecosystem now? Not for recruiting advisors, let’s say for winning clients. Do you look at Farther and Savvy and different AI or FinTechs as your competition or do you still look at it as the wirehouses and other traditional RIAs? Ryan Belanger: I mean, Farther and Savvy have done a great job of going after this market. I think we’re not as well known yet as they are. We’ve certainly built out what we think is tremendous technology second to none. There’s a huge market of the IBD space that is just these guys and gals are stuck on these old platforms and things are okay, but they’re not super compelled to switch until maybe they see something like this, and so we have a massive pipeline of advisors and I’ve been recruiting for a long time. I’ve never had a pipeline like this. So I know it feels different to me. People really are interested in this. It’s enough for them to want to see tech demos and come visit us and really understand, okay, this is a firm that is challenging what’s possible and that’s someone that maybe I want to be aligned with, and so I think that there’s a lot of places where we can get the talent. And so for us, it’s just trying to find the right people that we want to partner with for the long term. Louis Diamond: Very cool, I got two more questions for you. It’s pretty remarkable that to get from where you started to now, the recruiting you’ve done, buying a FinTech, integrating it, that you still don’t have private equity investor outside capital. So you think it’s on the roadmap, whether it’s a certain size or you’re looking for personal liquidity where the business will just need it because it’s expensive to operate a FinTech platform and to scale up and to keep growing the firm. Do you think there’s a world in which you take on external capital to fuel your growth? Ryan Belanger: Most certainly. I mean, things have developed for us very quickly here, and outside capital and venture particular is a space that we’re actively in discussions with firms that believe in our vision, understand the value that we can create, and there’s just no doubt that you have to have some wind at your back to get to the market, and so while we’re not a household name right now, I’m confident in two years we will be, and our plan is to grow to hundreds and thousands of advisors across the country. Louis Diamond: Wow, big vision, but I love it. Last question for you. If you were 30 years old again, which I think everyone would kill for that opportunity, leaving Morgan Stanley today instead of in 2012, what do you think you would do differently knowing what you know now? Ryan Belanger: At that point, interest rates were near zero, Louis. Valuations you remember were two to three times revenue. It felt expensive then. Obviously things have changed quite a bit. So I would’ve begged, borrowed, and stole all the money I could from friends and family and said, “I need to buy as many businesses as I could at two times, three times revenue and pay, I don’t know, 3% loan.” Just in hindsight, that’s what everyone should have done. That’s not the path that we chose, but I think there’s a huge opportunity in front of us to elevate financial advice across the country, make really good advisors even better by putting that super cape on them. And so we’re very excited about the future, what we’ve got in store, and what we’re going to deliver to the market. And it seems like just yesterday that I walked out of Morgan Stanley with very little assets and tried to start this RIA, but I’m very thankful for all the people that have been supporting me throughout this journey. Louis Diamond: Amazing. And that’s a great spot to end, but let me ask the inverse of that question. Let’s say you leave in 2026, so leave today, you’re 30 years old, but you have the benefit of hindsight. You know what you know now. What would you do differently around the transition or building the firm other than of course be amazing if you can buy businesses for a fraction of what they cost today? Ryan Belanger: I would want to make sure that I’ve got an integrated solution. I don’t want to be picking a bunch of different vendor tools. I know that’s going to become way too time-consuming for me. So I would really try to figure out how you can get something that’s integrated that can scale, but I wouldn’t change anything about the people. I think you got to be able to connect with people that are like-minded and you still take the risk. What I can’t believe, Louis, is that people that sit at the wirehouses take a home team discount and they’re so fearful of leaving Morgan Stanley or Merrill Lynch or UBS, but why are they taking that? The market says you should be paid double what you paid. And it’s not just like that’s 20, 30 years of data here that show that. And so I just would keep pushing people to bet on yourself. Your clients will come with you. Yes, that firm that you love will be the first ones to try to steal your clients. They’re going to call them, and that’s one way, loyalty. Another thing I don’t understand, but that’s the way the business is structured. I think there’s a huge opportunity to just educate advisors about what’s out there and I would take the risk. Louis Diamond: Love it. Ryan, this has been very fun. What you’ve accomplished, like I said earlier, gone against the grain at every turn. Leaving on the younger side without a huge business, buying and integrating a technology company, recruiting younger advisors without books of business. Every single thing you’ve done has been a different playbook. So I’m pumped to watch how we make Claro a household name and how this approach is going to pay off in spade. So I appreciate hearing this different perspective, and I know our listeners did as well, so much appreciated today. Ryan Belanger: Well, thanks for having me on. I know it’s a long time coming. Thanks for your patience. I wanted to make sure we had something really exciting to talk about when we finally did this, and hopefully I can come back in a couple years and catch up. And congratulations on everything you guys have built. You guys are just a premier name out there, and it’s been fun to watch your success as well. Louis Diamond: Thank you, Ryan, I appreciate it. Mindy Diamond: As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibilities seriously and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? is a book written with you in mind. It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future A conversation with Louis Diamond and Ryan Belanger, Founder & CEO of Claro Advisors.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Why AI Matters Now: How a $1.5B RIA is Building the Firm of the Future. It’s a conversation with Ryan Belanger, the Founder and CEO of Claro Advisors. I’m Louis Diamond, and this is the Diamond Podcast for Financial Advisors. Mindy Diamond: At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven, and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our annual Advisor Transition Report. It’s the award-winning data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. Louis Diamond: Artificial intelligence has quickly become one of the biggest topics in wealth management in the world. Almost every firm is experimenting with new tools, looking for ways to automate tasks, improve efficiency, or help advisors serve clients more effectively. But what if AI isn’t just another technology to plug into your business? What if it becomes the foundation for how your business is built? That’s exactly why I wanted to have Ryan Belanger on the show. Ryan is the Founder and CEO of Claro Advisors, a billion and a half dollar RIA that’s taken a very different path than most firms in the industry. Rather than simply adding AI to an existing tech stack, Claro acquired a FinTech company and is building its own AI native operating system designed specifically for advisors. What’s interesting is that this isn’t really a conversation about software, it’s about strategy. Ryan has consistently gone against the grain from leaving Morgan Stanley to launch an independent firm in 2012 before it became commonplace, to recruiting younger advisors when others chased established producers, to betting that proprietary technology will b

On the podcast: crowdfunding millions of dollars to accelerate growth, the two-year subscription that transformed his CAC payback, and why removing signup friction backfired.Top Takeaways:

What makes a vacation rental business attractive to a buyer?Door count may get attention, but it does not tell the full story. Sustainable growth, clean financials, a trusted local brand, strong employees, and direct booking performance can all influence how a business is evaluated.In this episode, Alex & Annie sit down with Igor Simkin, CEO of Monarch Collective, for a candid look at what owners should understand before exploring a sale. Igor shares what Monarch looks for in a company, where sellers are often unprepared, and why the conversation should begin long before an owner is ready to step away.They also explore what happens after the transaction, from protecting the local brand and retaining employees to helping founders choose the role they want in the company's next chapter.Episode Chapters: 05:22 - Why Monarch Collective was created and the opportunity it saw in the market 08:07 - Preserving local brands, teams, and community relationships 11:12 - Anchor acquisitions versus tuck-in acquisitions 11:51 - The qualities Monarch looks for in an established business 13:57 - When owners should begin preparing for a potential sale 16:14 - Creating a transition plan around the founder's goals 22:16 - The performance indicators buyers consider 25:03 - Financial readiness, valuation, and common seller blind spots 28:04 - Building a shared data layer across different technology platforms 33:43 - How Monarch is approaching AI across operations and marketing 38:13 - What an acquisition can mean for employees and local leadership 46:48 - How owners can get feedback before they are ready to sellConnect with Igor:Email: isimkin@gomonarch.comLinkedIn: https://www.linkedin.com/in/igor-simkin-4902993/ Connect with Monarch Collective:Website: https://gomonarch.com/Thinking about the next chapter for your vacation rental business?Connect with Monarch Collective to explore what your options could look like and how to prepare before the time comes.

What makes a vacation rental business attractive to a buyer?Door count may get attention, but it does not tell the full story. Sustainable growth, clean financials, a trusted local brand, strong employees, and direct booking performance can all influence how a business is evaluated.In this episode, Alex & Annie sit down with Igor Simkin, CEO of Monarch Collective, for a candid look at what owners should understand before exploring a sale. Igor shares what Monarch looks for in a company, where sellers are often unprepared, and why the conversation should begin long before an owner is ready to step away.They also explore what happens after the transaction, from protecting the local brand and retaining employees to helping founders choose the role they want in the company's next chapter.Episode Chapters: 05:22 - Why Monarch Collective was created and the opportunity it saw in the market 08:07 - Preserving local brands, teams, and community relationships 11:12 - Anchor acquisitions versus tuck-in acquisitions 11:51 - The qualities Monarch looks for in an established business 13:57 - When owners should begin preparing for a potential sale 16:14 - Creating a transition plan around the founder's goals 22:16 - The performance indicators buyers consider 25:03 - Financial readiness, valuation, and common seller blind spots 28:04 - Building a shared data layer across different technology platforms 33:43 - How Monarch is approaching AI across operations and marketing 38:13 - What an acquisition can mean for employees and local leadership 46:48 - How owners can get feedback before they are ready to sellConnect with Igor:Email: isimkin@gomonarch.comLinkedIn: https://www.linkedin.com/in/igor-simkin-4902993/ Connect with Monarch Collective:Website: https://gomonarch.com/Thinking about the next chapter for your vacation rental business?Connect with Monarch Collective to explore what your options could look like and how to prepare before the time comes.

Urban Grind Radio celebrates Episode 50 with DJ Savvy delivering a milestone mix packed with nonstop hip-hop, hard-hitting records, smooth transitions, and high-energy momentum from beginning to end. Fifty episodes deep, Urban Grind Radio continues to connect independent talent, established artists, music, entertainment, culture, and the grind behind the industry. Turn it up and celebrate Episode 50 with DJ Savvy and Urban Grind Radio. Listen and learn more at UrbanGrindRadio.com. Watch Urban Grind TV: https://www.youtube.com/@UrbanGrindTV

In 2 Kings 17, the Lord is angry with Israel and removes them from his presence. It reads like an obituary–the end of a story with a resonating theme that God is patient and just. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

Inside BlackRock's (BLK) historic bond deal funding Meta's (META) next data center. Plus, a watchlist of stocks for the pullback… These "non-AI" stocks are thriving… Energy bull should look offshore… Fauci's hearing… The Fed meeting… Tim Cook… And more. In this episode: Fireworks at Fauci's hearing [0:28] Will the Fed surprise the market with a rate hike? [7:06] Inside BlackRock's historic bond deal funding Meta's next data center [11:36] AI is getting hit, but the power thesis is alive and well [12:45] The pullback is creating several opportunities: Stocks to watch [17:39] Several non-AI stocks are trading at 52-week highs—here's why [24:14] Tim Cook should be on Mt. Rushmore of CEOs [29:08] Energy bulls should look offshore [37:21] GM and Ford were smart to get out of EVs [38:55] Our latest private placement deal for Curzio One members [43:10] This stock is perfectly positioned for the future of the film industry [56:15] Today's episode is brought to you by Savvy, the smarter way to book a vacation rental. Travelers save an average of $400 versus Airbnb and VRBO. Your unforgettable family vacation is waiting—and thanks to Savvy, you'll get the rental you want, at the prices you deserve! Savvy.com: Stay smarter. https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

Nearly 300 episodes in, the Alex & Annie Podcast is entering one of its most exciting chapters yet.In this special mid-year episode, Alex & Annie are joined by Jinnie Randolph, who has been working behind the scenes to help shape the show's content, partnerships, strategy, and future growth.Jinnie shares her journey through vacation rental marketing, technology, and operations, along with the full-circle story of how she went from longtime listener and sponsor partner to becoming an important part of the Alex & Annie team.Together, Alex, Annie, and Jinnie reflect on the conversations and industry themes that have defined 2026 so far. They discuss the rapid evolution of AI, the continued importance of human connection, and why intentional growth, consistency, and education have become increasingly important across the vacation rental industry.They also take listeners behind the scenes of the show's evolution into Aha Moments Media. Alex & Annie share how the Growth Blueprint has shaped this year's content and how new recurring series, roundtables, on-site interviews, private podcasts, and thought leadership opportunities are helping the platform grow beyond its original format.Episode Chapters:04:19 – How Jinnie became part of the Alex & Annie Podcast team11:24 – The industry themes shaping the first seven months of 202616:14 – How AI and human connection are evolving together22:25 – Why smaller operators need better access to credible education15:56 – The Growth Blueprint behind this year's podcast content13:11 – How the show is expanding into Aha Moments Media27:30 – New series, roundtables, partnerships, and storytelling formats31:31 – What nearly 300 episodes have taught Alex and Annie about consistency36:46 – Alex's decision to dedicate more time to the podcast38:49 – Annie's work with Booking.com and smaller vacation rental operators49:00 – What the team is building for the rest of 2026 and beyondTune in for a candid look at where the show has been, what is changing, and why the second half of 2026 could be its most exciting yet. Enjoying the Alex & Annie Podcast?Leave a rating to help more vacation rental professionals discover the show:https://alexandanniepodcast.com/review✨ Exclusive Offer to Alex & Annie Listeners: Reach more direct-booking travelers with Savvy.List your professionally managed properties for free.

Fluent Fiction - Norwegian: Sunshine, Seafood, and Savvy Deals at Bergen's Fish Market Find the full episode transcript, vocabulary words, and more:fluentfiction.com/no/episode/2026-07-28-22-34-02-no Story Transcript:No: Det var en solfylt dag på Bryggen i Bergen, der sjøluften var fylt med den salte duften av fersk fisk.En: It was a sunny day at Bryggen in Bergen, where the sea air was filled with the salty scent of fresh fish.No: Elin sto bak sitt fargerike bod på fisketorget, omgitt av glinsende fisk i alle størrelser.En: Elin stood behind her colorful stall at the fish market, surrounded by glistening fish of all sizes.No: Hun var stolt av fangsten fra tidligere den morgenen.En: She was proud of the catch from earlier that morning.No: Med et mål om å sikre en god handel, så hun på folkemengden som beveget seg gjennom markedet.En: With the goal of securing a good trade, she looked at the crowd moving through the market.No: Sverre, en lokal restauratør, gikk målrettet mellom bodene.En: Sverre, a local restaurateur, walked purposefully between the stalls.No: Han søkte den beste fisken for restaurantens meny.En: He was searching for the best fish for the restaurant's menu.No: Kjent for å være både ambisiøs og nøye med kvalitet, visste han at dagens valg kunne gi restauranten en fordel.En: Known for being both ambitious and particular about quality, he knew that today's choice could give the restaurant an advantage.No: Doften av havet og ropene fra fiskeselgerne fylte luften da han endelig stanset ved Elins bod.En: The scent of the sea and the shouts of the fish sellers filled the air as he finally stopped at Elin's stall.No: "God dag, Elin," sa Sverre, mens han kastet et ekspertblikk over hennes utvalg av fisk.En: "Good day, Elin," said Sverre, as he cast an expert eye over her selection of fish.No: "Jeg ser du har kvalitet i dag.En: "I see you have quality today."No: "Elin smilte vennlig.En: Elin smiled kindly.No: "Ja, Sverre.En: "Yes, Sverre.No: Dette er det beste fangsten fra denne morgenen.En: This is the best of the catch from this morning.No: Spesielt denne torsken, den er glitrende.En: Especially this cod, it's sparkling."No: "Sverre nikket tankefullt.En: Sverre nodded thoughtfully.No: Han var klar over verdien av fersk sjømat, men han hadde også et budsjett å tenke på.En: He was aware of the value of fresh seafood, but he also had a budget to think about.No: "Hva tenker du om prisen i dag, Elin?En: "What are you thinking about the price today, Elin?"No: "Elin visste at hun måtte stå fast, men også være åpen for en avtale.En: Elin knew she had to stand firm, but also be open to a deal.No: "Jeg kan gi deg en god pris på torsken hvis du tar en større mengde," foreslo hun, med blikket festet på Sverre som vurderte tilbudet.En: "I can give you a good price on the cod if you take a larger quantity," she suggested, with her gaze fixed on Sverre as he considered the offer.No: Sverre tenkte seg om, veide mulighetene.En: Sverre thought it over, weighing the possibilities.No: "Jeg trenger fersk fisk for hele uka.En: "I need fresh fish for the whole week.No: Hvis du kan gi meg en god pris på hele leveransen, kan vi bli enige.En: If you can give me a good price on the entire delivery, we can come to an agreement."No: "Dialogen fortsatte mens solen steg høyere over markedet.En: The dialogue continued as the sun rose higher over the market.No: Det var nesten som en dans, en balanseakt mellom Elins behov for en god pris og Sverres ønske om et kupp.En: It was almost like a dance, a balancing act between Elin's need for a good price and Sverre's desire for a bargain.No: Etter hvert smilte Sverre bredt.En: Eventually, Sverre smiled broadly.No: "Elin, du er hard som en stein, men rettferdig.En: "Elin, you are as hard as a rock, but fair.No: Jeg tilbyr denne prisen for hele partiet.En: I offer this price for the whole lot."No: "Elin kunne føle lettelsen skylde over seg.En: Elin could feel relief wash over her.No: Selv om hun ga en liten rabatt, var volumet Sverre ønsket ideelt.En: Although she gave a small discount, the volume Sverre wanted was ideal.No: Hun rakte ut hånden.En: She extended her hand.No: "Avtale, Sverre.En: "Deal, Sverre.No: Jeg setter pris på samarbeidet.En: I appreciate the collaboration."No: "Med et fast håndtrykk ble avtalen forseglet.En: With a firm handshake, the deal was sealed.No: De skilles som forretningsvenner, hver med en følelse av tilfredshet.En: They parted as business friends, each with a sense of satisfaction.No: Elin innså verdien av fleksibilitet og viktigheten av kundelojalitet.En: Elin realized the value of flexibility and the importance of customer loyalty.No: Samtidig så Sverre den harde innsatsen bak Elins arbeid og satte pris på tradisjonen det bragte med seg.En: At the same time, Sverre saw the hard effort behind Elin's work and appreciated the tradition it carried with it.No: Mens sollyset reflekterte fra den glatte overflaten til fjorden, gikk begge videre med en nyvunnen respekt for hverandres håndverk.En: As the sunlight reflected off the smooth surface of the fjord, they both moved on with a newfound respect for each other's craft.No: Markedet summet rundt dem, fullt av liv, tradisjon og nye muligheter.En: The market buzzed around them, full of life, tradition, and new opportunities. Vocabulary Words:salty: salteglistening: glinsendecatch: fangstenpurposefully: målrettetparticular: nøyeadvantage: fordelquestioned: vurdertebudget: budsjettquantity: mengdebalancing act: balanseaktbargain: kuppbroadly: bredtshake: håndtrykkcollaboration: samarbeidetrealized: innsåloyalty: lojaliteteffort: innsatsentradition: tradisjonreflection: reflektertecraft: håndverkbuzzed: summetopportunities: muligheterselection: utvalgsecure: sikreambitious: ambisiøsparted: skillesfierce: hardrecognised: satte pris påhandshake: avtalerespect: respekt

Ever felt stuck trying to turn your best spiritual intentions into real growth? Dive into 2 Kings 12 with the Bible Savvy Podcast to discover why mentorship, accountability, and a personal connection with God are essential for a living faith. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

Urban Grind Radio Episode 49 is locked in and loaded with another full hour of hip-hop powered by DJ Savvy. From hard-hitting records to smooth transitions, DJ Savvy keeps the momentum moving with a high-energy mix built for the streets, the car, the club, and everybody staying committed to the grind. No distractions. No slowing down. Just music, culture, and pressure from beginning to end. Listen and learn more at UrbanGrindRadio.com. Watch Urban Grind TV: https://www.youtube.com/@UrbanGrindTV

Bronagh is hungover. England are out. Hanna has arrived wearing the most incredible sequin kimono and is about to save Bronagh's entire Camp Bestival experience. This is exactly the episode we needed.This week Cara and Bronagh are joined by Hanna from The Savvy Mummy — mum of three, festival veteran of eight years and the person who knows absolutely everything there is to know about taking your family to a festival and actually enjoying it. Hanna has been going to Camp Bestival since her eldest was tiny, camped in her garden during lockdown when they sent DVDs out instead, and is now on to a new favourite called Stowaway where everything is included. She knows her stuff and she is not holding back.Bronagh is heading to Camp Bestival for the first time and has approximately one million questions — from wagons and fancy dress to posh toilets, skull caps and whether she needs to book the yoga in advance. Hanna answers all of it with the patience of a woman who has done this many, many times. There's also a beautiful moment where they discover they both used to work on the Chanel counter at Bluewater, a very moving wardrobe story in honour of Hanna's late dad, and the most relatable pencil skirt disaster story you'll hear all year.Oh, and Bronagh buys the skull cap on the pod. Obviously.The ultimate Camp Bestival guide — wagons, fancy dress, the kids meal pass, posh toilets and what to actually book in advanceFestival outfit must haves — Merry People clogs, burnt soul catsuits, sequin kimonos, disco ball leggings and layering essentialsThe Luna Daily wipes, Trinny London stacks and Merit balms that Hanna takes to every festivalStowaway festival — the family festival with everything included that you need to know aboutMoving to Deal from Bexleyheath and why Hanna wishes she'd done it soonerThe Gucci bag her dad bought her at 16 that she'll never part withPencil skirts, hook fastenings and getting tangled up in a Dartford nightclubFind Hanna: @the.savvy.mummy on InstagramInstagram: @schoolrunwaypodLeave us a voice note: https://sayhi.chat/oeks4Don't forget to leave us a review on Apple Podcasts & Spotify! x Hosted on Acast. See acast.com/privacy for more information.

Links: The virtual Savvy program: thevirtualsavvy.com/birthhour  Know Your Options Online Childbirth Course - use code 100OFF for $100 off. Beyond the First Latch Course (comes free with KYO course)  Support The Birth Hour via Patreon! You can now gift memberships to Patreon here! 

2 Kings is a wild Old Testament book and the events of chapters 6 and 7 are no exception. Within the strange events, doubt, and desperation we see abundance, God’s justice, and a picture of community. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

Urban Grind Radio Episode 48 applies pressure with DJ Savvy delivering a full hour of nonstop hip-hop, hard-hitting records, smooth transitions, and high-energy radio. This episode also features the Urban Grind Radio premiere of “Wu-Pledge (feat. DJ Nino Carta)” by Raaddrr Van (also known as L0dd Manafess), the independent hip-hop single that reached #9 on the iTunes Hip-Hop/Rap chart. Lock in with DJ Savvy and experience Urban Grind Radio—where independent talent, established artists, music, culture, and the grind all connect. Listen and learn more at UrbanGrindRadio.com. Watch Urban Grind TV: https://www.youtube.com/@UrbanGrindTV

Urban Grind Radio Episode 47 turns the energy all the way up with DJ Savvy delivering a full hour of nonstop hip-hop, new heat, club-ready records, and smooth transitions from beginning to end. No skips. No slowdown. Just DJ Savvy controlling the mix and keeping the pressure on for the entire show. Urban Grind Radio connects independent talent, established artists, music, entertainment, culture, and the grind behind the industry. Listen and learn more at UrbanGrindRadio.com. Watch Urban Grind TV: https://www.youtube.com/@UrbanGrindTV

US influencer Catherine Ebs has been forced to defend herself, after she was labelled ‘tone deaf’ off the back of a video she shared shopping in a small town grocery store. Indy Clinton has teased her followers that she and her husband, Ben, are launching an OnlyFans account… But not everyone is buying it… Savvy followers believe this is yet another marketing stunt by the popular TikToker… Prince Harry has revealed he is a closet Love Island fan…. The Duke of Sussex made the admission whilst appearing on UK rugby player Joe Marler’s podcast. For BTS Outspoken content follow Kate, Amy and Sophie on Instagram. Subscribe to Outspoken Plus Outspoken Plus is our subscription offering that gives you an extra dose of the hottest influencer and pop-culture news. Enjoy exclusive access to a BONUS episode every week. A Outspoken Plus subscription costs $5.99 a month, or save with our annual package, for just $49.99 a year*. You can became an Outspoken Plus subscriber via Apple Podcasts: ⁠apple.co/outspoken⁠ or via Spotify ⁠https://open.spotify.com/show/03t0cQyHS8OzAYigyksL9E?si=007ba128afd74369.⁠ * An annual subscription is only available on Apple Podcasts. See omnystudio.com/listener for privacy information.

Janette Burke, founder of Janette Burke Productions, a media platform and production company that helps PR firms, brands, producers, and event organisers connect with influential women over 40 through credible media exposure and polished on-camera talent.Through red carpet and event hosting, expert interviewing, MC and speaking work, and strategic sponsored content, Janette creates meaningful conversations that build visibility, credibility, and measurable impact.Now, Janette's journey of building a global platform and conducting more than 700 interviews, while also navigating health challenges and full-time caregiving, demonstrates remarkable resilience, consistency, and staying power.And while working in an industry that can be unpredictable and gatekept, she continues to grow her business on her own terms, with clarity, strength, and purpose.Here's where to find more:https://www.janetteburke.comhttps://www.facebook.com/JanettesTVhttps://www.instagram.com/janettestvhttps://www.tiktok.com/@janetteburke?lang=enhttps://www.linkedin.com/in/janetteburkehttps://ca.pinterest.com/janetteburkehttps://x.com/JanetteBurke________________________________________________Welcome to The Unforget Yourself Show where we use the power of woo and the proof of science to help you identify your blind spots, and get over your own bullshit so that you can do the fucking thing you ACTUALLY want to do!We're Mark and Katie, the founders of Unforget Yourself and the creators of the Unforget Yourself System and on this podcast, we're here to share REAL conversations about what goes on inside the heart and minds of those brave and crazy enough to start their own business. From the accidental entrepreneur to the laser-focused CEO, we find out how they got to where they are today, not by hearing the go-to story of their success, but talking about how we all have our own BS to deal with and it's through facing ourselves that we find a way to do the fucking thing.Along the way, we hope to show you that YOU are the most important asset in your business (and your life - duh!). Being a business owner is tough! With vulnerability and humor, we get to the real story behind their success and show you that you're not alone._____________________Find all our links to all the things like the socials, how to work with us and how to apply to be on the podcast here:https://linktr.ee/unforgetyourself

In this episode Brian Barney sits down with James Yates. James just completed one of the most comprehensive arrow studies ever conducted. The guys discuss it, covering shafts, fletchings, FOC, broadheads and more. It was conducted as a controlled experiment and some of the findings are amazing. They also discuss the backcountry and what it takes to find and harvest a big, next-level buck. The guys have a great conversation this week on Eastmans Elevated. Eberlestock - https://bit.ly/Eberlestock-Eastmans Federal Ammunition - https://bit.ly/FederalPremium-Eastmans Forever Barnwood - https://bit.ly/ForeverBarnwood-Eastmans Kryptek - https://bit.ly/Kryptek-Eastmans Mathews - https://bit.ly/MathewsArchery-Eastmans MTN TOUGH - https://bit.ly/MTNTOUGH-Eastmans Outdoor Edge - https://bit.ly/OutdoorEdge-Eastmans onX - https://bit.ly/onXHunt-Eastmans Sig Sauer - https://bit.ly/SIGSAUER-Eastmans Silencer Central - https://bit.ly/SilencerCentral-Eastmans Stone Glacier Sleep Systems - https://bit.ly/StoneGlacier-Eastmans SecureIt - https://bit.ly/SecureIt-Eastmans Zamberlan - https://bit.ly/Zamberlan-Eastmans

BM's (IBM) worst day in 58 years—is it a buying opportunity? Plus, Fed Chair Warsh's testimony… The odds of a rate hike dropped significantly… Two AI buys… The perfect backdrop for big banks… And Wrap's (WRAP) growing TAM. In this episode: The Rule Symposium was great—with one catch [2:40] Key takeaways from Day 1 of Fed Chair Warsh's testimony [8:34] Why the odds of a rate hike dropped significantly [16:08] IBM just had its worst day in 58 years. Is it a buying opportunity? [20:39] These two power plays are buys on the AI pullback [26:27] The greatest environment ever for big banks [29:34] Wrap's total addressable market just grew by 3x [41:13] Everything included in our new all-in-one investing hub, Curzio Alpha [51:31] Today's episode is brought to you by Savvy, the smarter way to book a vacation rental. Travelers save an average of $400 versus Airbnb and VRBO. Your unforgettable family vacation is waiting—and thanks to Savvy, you'll get the rental you want, at the prices you deserve! Savvy.com: Stay smarter. https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

Advocacy often stays on the back burner until a regulation directly threatens the business.For Tyann Marcink Hammond, that moment came when vacation rentals in parts of Missouri were reclassified from residential to commercial properties, causing some tax bills to rise dramatically.In this episode, Tyann returns to share how that experience pulled her deeper into vacation rental advocacy and showed her why operators need to get involved before policy decisions are finalized.She explains how relationships with local officials, Realtors, tourism organizations, legislators, and fellow property managers can help shape clearer, more reasonable regulations. Tyann also shares how collaboration in Missouri has supported progress on state legislation and the development of a model short-term rental ordinance.The conversation also covers Kansas City's preparations for the 2026 FIFA World Cup, including how vacation rentals helped address the city's lodging needs and the resources created to help new hosts operate responsibly.We discuss:03:31 - Why vacation rental operators need to pay attention to local policy04:46 - How property tax changes affected Missouri vacation rentals14:05 - Why relationships are essential to effective advocacy20:28 - How operators can get involved in shaping local regulations25:51 - What Kansas City's World Cup preparations can teach other destinations36:43 - How last-minute bookings are changing operational planning 42:16 - Why human connection still plays an important role in vacation rental marketing If you want to better understand how local decisions are made and how operators can have a meaningful voice in the process, this episode is for you.Connect with Tyann:LinkedIn: https://www.linkedin.com/in/tyannmarcink/ ✨ Exclusive Offer to Alex & Annie Listeners: Reach more direct-booking travelers with Savvy.List your professionally managed properties for free.

What do you do in desperation? As we see in 2 Kings 3, some blame, seek, or turn away from God. The Bible Savvy looks at a tricky passage to see how God’s heart is moved by the faithful–but acts even when we aren’t faithful. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

What the end of the ceasefire means for oil prices—and stocks—through the summer. Plus, the release of the Fed minutes should shake the market… Can Q2 earnings meet Wall Street's huge expectations? … And Saylor is backtracking on Bitcoin. In this episode: Say hello to Frank in Boca Raton [0:19] What the end of the ceasefire means for oil prices [1:26] July will be a rough month for stocks [5:32] The release of the Fed minutes should shake the market [8:29] Can Q2 earnings meet Wall Street's huge expectations? [17:41] Saylor is backtracking on Bitcoin… Why that's good for crypto [26:48] Today's episode is brought to you by Savvy, the smarter way to book a vacation rental. Travelers save an average of $400 versus Airbnb and VRBO. Your unforgettable family vacation is waiting—and thanks to Savvy, you'll get the rental you want, at the prices you deserve! Savvy.com: Stay smarter https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

This episode of SANDCAST: Beach Volleyball with Tri Bourne and Travis Mewhirter -- and Kyle Friend, in this case -- features Savvy Cory, who is currently having the best year of her career alongside her former UCLA teammate Devon Newberry. Chapters with Savvy Cory, Kyle Friend, and Tri Bourne 00:00 Reconnecting and Reflecting on Recent Travels 02:54 The Challenges of Competitive Volleyball 06:02 Understanding the Point System and Its Impact 09:06 Building Confidence and Consistency in Performance 12:02 Mental Toughness and the Importance of Belief 15:13 Skill Development and Coaching Dynamics 18:03 The Role of Team Support and Financial Considerations 27:31 Investing in Coaching and Resources 30:10 Financial Struggles and Support Systems 31:39 Understanding the Elo System 34:38 Monthly Funding and Travel Stipends 39:16 Mental Challenges and Balancing Life 45:35 Performance Metrics and Transition Rates 48:43 Foundational Work in Volleyball 49:11 Transition Setting as a Key Weapon 51:02 The Importance of Aggressive Setting 52:43 Handling Long Rallies and Frustrations 56:15 Excitement for Upcoming Competitions 57:51 The Social Aspect of Volleyball 01:00:40 Building Relationships in the Volleyball Community 01:03:32 Future Plans and Competitions SHOOTS! We have a NEW BOOK! Pre-order your copy of Volleyball for Dummies today at Barnes and Noble! Get 25 PERCENT off and FREE SHIPPING on all Mikasa products with our code, SANDCAST and play with the ball. played with the best in the game. Head to Mikasa's website and get your bag of balls today! Get 10 PERCENT OFF VBTV using our discount code, SANDCAST10 Want to get better at beach volleyball? Use our discount code, SANDCAST, and get 10 percent off all Better at Beach products!  Want SANDCAST merch? We got you covered. Check it out here! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Direct booking has been part of the vacation rental conversation for years, but one challenge remains hard to solve.Travelers are not always searching that way.In this episode, Alex & Annie sit down with Eric Goldreyer, CEO and founder of Savvy, to talk about why direct booking has struggled to become a consumer habit and what needs to change for travelers to find, trust, and use it more easily.Eric shares how Savvy evolved from BNB Finder into a book-direct marketplace for professional property managers. The conversation gets into why lower fees alone are not enough to change booking behavior, how OTAs have shaped traveler expectations, and why direct booking needs a better discovery path if it is going to scale.Episode Chapters:06:21 - How professional property managers can build stronger guest relationships06:53 - Why repeat business starts with owning guest data07:56 - Why direct booking has struggled to reach the consumer09:04 - How traveler behavior has been shaped by OTAs18:16 - Why property managers still need OTAs while building a stronger direct strategy20:55 - How destination content can support discovery and conversion27:05 - Why property managers cannot rely on direct booking websites alone33:28 - How trust, reviews, verification, and clear pricing influence conversion34:18 - Why saving money is not always enough to win the booking42:00 - What AI and structured data could mean for the future of travel searchIf you are a vacation rental operator trying to reduce OTA dependency, build more repeat business, or understand how travelers are discovering and booking stays today, this episode is for you.Connect with EricLinkedIn: https://www.linkedin.com/in/ericgoldreyer/ Connect with Savvy:Website: https://www.savvy.com/LinkedIn: https://www.linkedin.com/company/stay-savvy/Instagram: https://www.instagram.com/savvy_stayFacebook: https://www.facebook.com/savvystays ✨ Exclusive Offer to Alex & Annie Listeners: Reach more direct-booking travelers with Savvy.List your professionally managed properties for free.

Bill Roggio. Roggio emphasizes that Hezbollah's core goal remains Israel's destruction, rendering diplomatic ceasefires ineffective. He also warns that Syria's leader is a savvy jihadist who effectively manipulates Western perceptions while remaining a dangerous neighbor. (2)1930 URUGUAY

Today, something new under the sun - at least in the U.S.: A now FDA approved sunscreen option long in use overseas, arrives next year.  Meanwhile, are you overpaying for sunscreen just because of a fancy brand name? Consumer Reports released its annual sunscreen rankings, and the results again prove you don't have to spend a fortune to protect your skin. Also, Clark dives into the reality of modern side hustles. A TikTok influencer recently went viral after testing different side hustles every day for 100 days to make $100 a day, learning that only three were actually worth sticking with. The truth is, if a side hustle is incredibly easy to start, there are no effective barriers to entry. When anyone can do a job, the organizer doesn't have to pay you well. If you want to make a meaningful, steady income, you need a side hustle that leverages education, training, or special skills that set you apart from the crowd. However, if you just need quick, one-time cash, look no further than your own home—just like Christa, who came out of her closet with cash assets!  Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the July 6, 2026, episode of The Clark Howard Show. Submit your questions: Ask Clark. Best Sunscreens: Segment 1 Ask Clark: Segment 2 Smart Side Hustles: Segment 3 Ask Clark: Segment 4 Mentioned on the show: 21 Best Sunscreens of 2026, Lab-Tested and Reviewed Consumer Reports: Sunscreen Ratings & Reviews  Monarch Money Review: Is This Budgeting Tool Worth the Price? Why You Should Keep Old Credit Card Accounts Open - Clark Howard How and When To Cancel a Credit Card - Clark Howard 30 Easy Side Hustle Ideas The Only Reason You Should Make an Improvement to Your Home What's the Best Way To Send Money Overseas? - Clark Howard AutoSlash Review: How To Save on a Rental Car - Clark Howard HotelSlash: #1 Site for Cheap Hotel Rates Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices. Visit megaphone.fm/adchoices

1 Kings 21 is a stark warning to leaders, exposing how power and greed breeds injustice. In this episode, the team explores the vital lesson to listen to truth-tellers. More 1 & 2 Kings resources: Bonus interview with Dr. David Lamb: https://www.youtube.com/playlist?list=PLskIjlp7u6ijCczYET4iKtLU8PX5IOsve Pastor Clayton's 1 & 2 Kings workshop. Watch the Bible Project video on 1 & 2 Kings. Find Pastor Eric's teaching on covenants here.

Savvy CEO Eric Goldreyer on the company's success—and its next growth phase… how AI is helping unlock customer savings… and his exit plan for this hospitality disruptor. In this episode: Welcome back, Eric Goldreyer, CEO of Savvy [4:02] The secret to Savvy's success… and its next growth phase [9:23] How AI is helping unlock customer savings [14:28] The key to building a successful startup [24:14] Eric's exit plan for this hospitality disruptor [34:48] Why we believe in the Savvy story… and its ROI potential [38:43] Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

Topics: Beauty, A Challenge From Steve and the Stingrays, Callings, Mission Drifts, Proverbs 3 BONUS CONTENT: AI Writing, Romans 8   Quotes: "Trust him. Trust him. Trust him. This comes up over and over. We have to trust him." "You realize that your calling could be what you're doing. Being faithful with what you're doing right now." "You're made to create." "I love quirkiness. I love idiosyncrasy." "A bigger question isn't why there's suffering in the world. It's why is almost everything so beautiful?" . . . Holy Ghost Mama Pre-Order! Want more of the Oddcast? Check out our website! Watch our YouTube videos here. Connect with us on Facebook!

Bitcoin's (BTC) free fall: Is the crypto market near a bottom? … Plus, Trump's $1B income… Why Meta's (META) compute move is controversial… How AI companies are fighting data center pushback… And happy birthday, America! Politics pay: Breaking down Trump's $1B income [2:05] How politicians game the system [5:51] The ultimate winning political strategy (for any party) [15:16] Meta is reading from the Amazon playbook—why it's controversial [17:29] AI companies are fighting data center pushback… with incentives [24:04] Bitcoin's free fall: Is the crypto market near a bottom? [30:48] Happy birthday, America! [40:38] This episode is brought to you by Savvy, the direct-booking marketplace for vacation rentals. Savvy helps travelers find the same kinds of homes they'd see on major rental platforms, without the extra markup ($500 savings on average!). Every listing is managed by a professional host, so travelers can book with confidence. And right now, Wall Street Unplugged listeners can get $50 cash back on their first stay with Savvy: https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li

These tech stocks are buys on the pullback. Plus, is it still a "buy-the-dip" market? … What's driving the outperformance in small caps? … Steer clear of this SPAC… Accenture's (ACN) management should be fired… And the broken housing market. In this episode: Curzio Alpha has launched! [2:56] Is it still a "buy-the-dip" market? [6:30] These stats show just how wild market speculation has gotten [10:36] What's driving the outperformance in small caps? [14:53] These tech stocks are buys on the pullback [19:22] A special deal on your next vacation rental [23:48] This chipmaker is a screaming buy [25:01] Steer clear of this SPAC [33:07] Accenture's management should be fired [39:13] Grand Theft Auto VI will be a boon for Take-Two Interactive [46:17] Why is nobody talking about the horrible housing market? [54:08] This episode is brought to you by Savvy, the direct-booking marketplace for vacation rentals. Savvy helps travelers find the same kinds of homes they'd see on major rental platforms, without the extra markup ($500 savings on average!). Every listing is managed by a professional host, so travelers can book with confidence. And right now, Wall Street Unplugged listeners can get $50 cash back on their first stay with Savvy. Here's how to book: https://www.savvy.com/wsu Did you like this episode? Get more Wall Street Unplugged FREE each week in your inbox. Sign up here: https://curzio.me/syn_wsu Find Wall Street Unplugged podcast… --Curzio Research App: https://curzio.me/syn_app --iTunes: https://curzio.me/syn_wsu_i --Stitcher: https://curzio.me/syn_wsu_s --Website: https://curzio.me/syn_wsu_cat Follow Frank… X: https://curzio.me/syn_twt Facebook: https://curzio.me/syn_fb LinkedIn: https://curzio.me/syn_li