Podcasts about securities

The freight industry has long been thought of the circulatory system of the economy.It's how the things bought & sold through commerce get from point A to point B in the real world. Historically, when trucking frieght loads diminish, it's usually correlated with a weakening economy. And if it gets bad enough, a recession.Today's guest is Craig Fuller of Freightwaves, price reporting agency (PRA) focused on the global freight market and the leading provider of high-frequency data for the global supply chain.He recently released a prediction that the US freight trucking industry is about to experience "the largest capacity purge in history"We'll ask him what that means for the economy, as well as the hundreds of thousands of workers he expects to be impacted by it.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#recession #trucking #freight _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss how to know if your financial plan is actually working. We'll find out that plans are useless, but planning is everything.Subscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardSee the show notes here!Learn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Host and Certified Financial Planner, Bryan Kuderna, delves into the "Buy, Borrow, and Die" strategy, a financial approach to minimize taxes. After three straight years of high stock market returns, investors should be aware of how to use their portfolio most efficiently. He discusses capital gains taxes, the benefits of long-term investing, tax loss harvesting and "wash sale" rules, step-up in basis for heirs, and the strategic use of donor-advised funds. This episode is brought to you by Weekly Wealthy Wisdom, my free e-newsletter. Go to www.bryankuderna.com to sign up now! This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 

In this episode of the LYB Podcast, host Deepi Sidhu speaks with Simon Foster, Industry Marketing Manager at LyondellBasell, about the North America launch of the Purell polymer portfolio. Already trusted in Europe, the Purell portfolio includes medical-grade polyolefins designed for use in applications such as medical devices and pharmaceutical packaging. Simon shares how Purell supports industry needs for consistency, reliability and regulatory readiness — backed by the Purell Service Concept, which includes traceability systems, change notification policies and documentation aligned with global standards. If you're working in healthcare manufacturing — or want to learn how LYB is enabling material innovation — this episode offers insights into a milestone launch that expands local access to proven solutions. Connect with us on social media: LinkedIn: LyondellBasell Facebook: LyondellBasell Instagram: LyondellBasell X: @LyondellBasell Disclaimer Purell is a trademark owned and/or used by the LyondellBasell family of companies and is registered in the U.S. Patent and Trademark Office. Before using a product sold by a company of the LyondellBasell family of companies, users should make their own independent determination that the product is suitable for the intended use and can be used safely and legally.   LYONDELLBASELL MAKES NO WARRANTY; EXPRESS OR IMPLIED (INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR ANY WARRANTY) OTHER THAN AS SEPARATELY AGREED TO BY THE PARTIES IN A CONTRACT. LyondellBasell prohibits or restricts the use of its products in certain applications.  For further information on restrictions or prohibitions of use, please contact a LyondellBasell representative. Users should review the applicable Safety Data Sheet before handling the product. Forward-looking statements The statements in this podcast relating to matters that are not historical facts are forward-looking statements. These forward-looking statements are based upon assumptions of management of LYB, which are believed to be reasonable at the time made and are subject to significant risks and uncertainties. When used in this podcast, the words “estimate,” “believe,” “continue,” “could,” “intend,” “may,” “plan,” “potential,” “predict,” “should,” “will,” “expect,” and similar expressions are intended to identify forward-looking statements, although not all forward-looking statements contain such identifying words. Actual results could differ materially based on factors including, but not limited to, market conditions, the business cyclicality of the chemical, polymers and refining industries; the availability, cost and price volatility of raw materials and utilities, particularly the cost of oil, natural gas, and associated natural gas liquids; our ability to successfully implement initiatives identified pursuant to our Value Enhancement Program and generate anticipated earnings; competitive product and pricing pressures; labor conditions; our ability to attract and retain key personnel; operating interruptions (including leaks, explosions, fires, weather-related incidents, mechanical failure, unscheduled downtime, supplier disruptions, labor shortages, strikes, work stoppages or other labor difficulties, transportation interruptions, spills and releases and other environmental risks); the supply/demand balances for our and our joint ventures' products, and the related effects of industry production capacities and operating rates; our ability to manage costs; future financial and operating results; benefits and synergies of any proposed transactions; receipt of required regulatory approvals and the satisfaction of closing conditions for our proposed transactions; final investment decision and the construction and operation of any proposed facilities described; our ability to align our assets and expand our core; legal and environmental proceedings; tax rulings, consequences or proceedings; technological developments, and our ability to develop new products and process technologies; our ability to meet our sustainability goals, including the ability to operate safely, increase production of recycled and renewable-based polymers to meet our targets and forecasts, and reduce our emissions and achieve net zero emissions by the time set in our goals; our ability to procure energy from renewable sources; our ability to build a profitable Circular and Low Carbon Solutions business; the continued operation of and successful shutdown and closure of the Houston Refinery, including within the expected time frame; potential governmental regulatory actions; political unrest and terrorist acts; risks and uncertainties posed by international operations, including foreign currency fluctuations; and our ability to comply with debt covenants and to repay our debt. Additional factors that could cause results to differ materially from those described in the forward-looking statements can be found in the Risk Factors section of our Form 10-K for the year ended December 31, 2024, which can be found at www.lyb.com on the Investor Relations page and on the Securities and Exchange Commission's website at www.sec.gov.There is no assurance that any of the actions, events, or results of the forward-looking statements will occur, or if any of them do, what impact they will have on our results of operations or financial condition. Forward-looking statements speak only as of the date they were made and are based on the estimates and opinions of management of LYB at the time the statements are made. LYB does not assume any obligation to update forward-looking statements should circumstances or management's estimates or opinions change, except as required by law. This podcast contains time-sensitive information that is accurate only as of the date hereof. Information contained in this release is unaudited and is subject to change. We undertake no obligation to update the information presented herein, except as required by law. Our reported emissions and expected reductions are based on a combination of measured and estimated data and are based on industry standards and best practices, including the Greenhouse Gas Protocol and guidance from the American Petroleum Institute. Emissions reported are estimates only, and data is subject to change as methods, data quality, and technology improvements occur. Our goals to reduce emissions are good-faith efforts based on current relevant data and methodology, which could be changed or refined as we evolve our approach to identifying, measuring, and addressing emissions.    

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions explore whether owning rental properties is a smart move during retirement. They discuss the pros — such as steady income, appreciation, and diversification — along with the cons that retirees often overlook, including taxes, maintenance headaches, liquidity issues, and tenant risk. Jim and Casey share real-life stories from clients who've both succeeded and struggled with investment properties, and they examine alternatives like REITs and other passive income options that offer exposure to real estate without the stress of being a landlord. If you've ever wondered whether real estate belongs in your retirement plan, this conversation offers a balanced look at the opportunities and pitfalls — so you can make decisions that align with your goals, not just the headlines. http://retirewithmartin.com/ ← Learn about working with us www.planwellretirehappy.com Episode Breakdown 00:00 – Introduction: Is real estate the right move in retirement? 02:06 – The appeal of rental income for retirees 04:25 – The realities of being a landlord 06:40 – Taxes, repairs, and cash flow surprises 08:58 – When rental properties become more work than reward 11:10 – Client story: managing multiple rental homes 13:18 – Evaluating the opportunity cost of real estate ownership 15:06 – REITs and other alternatives to direct property management 17:45 – How to know if real estate fits your retirement plan 20:12 – Final thoughts and key takeaways Disclaimer Opinions expressed herein are solely those of Martin Wealth Solutions, unless otherwise specifically cited. Material presented is believed to be from reliable sources, but no representations are made by our firm as to another parties' informational accuracy or completeness. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation. Past performance may not be indicative of future results. Indices are not available for direct investment. Any investor who attempts to mimic the performance of an index would incur fees and expenses which would reduce returns. Securities investing involves risk, including the potential for loss of principal. There is no assurance that any investment plan or strategy will be successful.

Bitcoin can't catch a break for the past several days as the bears seem in complete control of the market, staging another nosedive to a fresh multi-month low of just under $92,000. Ethereum has also dipped to a crucial round-numbered support, and the liquidations are on the rise due to excessive leverage used by traders.~This episode is sponsored by BTCS~Guest: Charles Allen, CEO and Chairman of the Board at BTCSBTCS Website ➜ https://bit.ly/BTCSethereum00:00 Intro00:10 ETH under $3K00:50 Privacy tokens = bullish for ETH02:15 Emergency Fed meeting03:20 No rate cut in December?04:20 $MSTR buys more BTC06:00 Historic BTCS Q3 earnings08:15 Do investors understand what you're doing?09:30 Will DAT NAV's recover soon?12:00 What are investors looking for?14:00 Aave App16:20 How big will Fusaka upgrade be?19:00 Tom Lee: Do DATs need to trade in tandem with the underlying asset?22:50 Are DATs risky?25:50 CNBC: Cathie Wood changing her stance on Bitcoin30:30 Outro#ethereum #ETH #Crypto~Ethereum Firesale as Market Crashes!

The reopening of the U.S. government will allow the release of backlogged economic data, especially jobs data, helping us take stock of our pro-risk view. Nicholas Fawcett, Chief Investment Strategist at the BlackRock Investment Institute, breaks down the implications. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-4994914

When you're uncertain, they say to seek the counsel of those smarter than you.Well, amongst the many experts I interview on this channel, Michael Green is definitely in the top cohort intellectual horsepower-wise.Mike is portfolio manager & chief strategist at Simplify Asset Management which holds over $6 billion in client assets.And today, we'll tap his latest thinking on the stock market, the credit markets, the economy, and whatever else 2026 holds for investors that he thinks important.Mike's research convinces him that passive capital flows are the single greatest factor that determine where any given stock -- and the overall indices, too -- will head.So, what's his outlook for those passive flows?Watch this video to find out.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#passiveinvesting #capitalflows #marketcorrection _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

Volatility returned to the stock market this week.Partly due to growing concerns about the sustainability of the AI spending boom.Partly due to further stresses building in the credit market.And also due to a growing shortfall of liquidity.Portfolio manager Michael Lebowitz and I discuss each of these in depth in this week's Market Recap.For everything that mattered to markets this week, watch this video.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#artificialintelligence #federalreserve #liquidity _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

The budget is the main event risk for the UK market. We discuss what we expect Chancellor Reeves to deliver, what this means for the Bank of England, Gilt issuance, rate markets and the currency.   You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.

Tawnya Bell - Partner and Team Lead of the Corporate M&A Practice at R. Reese & Associates (RR&A) joins the podcast to talk all things fundraising, including the process of fund formation, how to stay in compliance, and trends she is seeing across the LP space. **Disclaimer: This podcast is meant for informational purposes only and does not constitute investment advice.A big thanks to our 3 Minerals & Royalties Podcast Sponsors:--Tracts: If you are interested in learning more about Tracts title related services and software, then please call 281-892-2096 or visit https://tracts.co/ to learn more.--Riverbend Energy Group: If you are interested in discussing the sale of your Minerals and/or NonOp interests w/ Riverbend, then please visit www.riverbendenergygroup.com for more information--Farmers National Company: For more information on Farmer's land management services, please visit www.fncenergy.com or email energy@farmersnational.com

The walls are closing in on Sam Altman. He's irritable in interviews. Dodgy about reasonable questions given the amount of BS he spews almost daily. This week we're taking a look at the recent drama surrounding Sam and his CFO, who suggested that OpenAI might lean on the US government as a "lender of last resort". Plus, Michael Burry has a new short thesis, and he's vocal about it. WATCH THE FIRST EPISODE OF EMIL'S NEW SHOW! https://www.youtube.com/watch?v=wWED3Qultfc OUR NEW CREDIT CARD SITE IS LIVE!!! Go get that AMEX card baby! https://thecreditcardlist.com Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! ***Ben's new movies and tv podcast with Dillon is OUT NOW! GO WATCH the latest episode on HORROR MOVIES: https://youtu.be/2p0gjv4hZ4s?si=Cll7WAk7bcHkGJu2 **CHECK OUT EMIL'S LIVESTREAMS HERE: https://www.youtube.com/emilderosa Support us and get bonus content, ad-free versions and more plus your first 7 days free at https://benandemilshow.com __ SOME OTHER VIDEOS YOU MAY ENJOY: That's Cringe of Cody Ko: https://youtu.be/dTbEk0pVh2w Our AUSTIN VIDEO: https://youtu.be/yGSs56bFzRU Our episode with Kyla Scanlon: https://youtu.be/cIHWkY35cuc Big Tech is out of ideas (ft. ED ZITRON): https://youtu.be/zBvVGHZBpMw Arguing with a millionaire (ft. Chris Camillo): https://youtu.be/1ZUWTkWV_MM We bought suits HERE: https://youtu.be/_cM1XqA9n2U ***LINK TO OUR DISCORD: https://discord.gg/CjujBt8g ***Subscribe to Emil's Substack: https://substack.com/@emilderosa ***Trade with Ben at https://tradertreehouse.com __ MOOMOO: Click this link https://start.moomoo.com/BAES to get up to $1,000 in free stock when you make a qualified deposit. Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. See full disclosures at https://invest.us.moomoo.com/_disclosure CASHAPP: Download Cash App Today: https://capl.onelink.me/vFut/zd0taway #cashapppod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See terms and conditions at https://cash.app/legal/us/en-us/card-agreement. Direct Deposit, Overdraft Coverage and Discounts provided by Cash App, a Block, Inc. brand. Visit http://cash.app/legal/podcast for full disclosures. BOOKING.COM: If your vacation rental isn't listed on Booking.com, it could be invisible to MILLIONS of travelers searching online! Don't miss out on consistent bookings and global reach. Head to Booking.com and start your listing today. Get seen. Get Booked on Booking.com. FACTOR MEALS: Eat smart at https://factormeals.com/baes50off and use code "baes50off" to get 50% off your first box, PLUS FREE BREAKFAST FOR ONE YEAR! __ Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit podcastchoices.com/adchoices

WANT HELP INVESTING IN MINING STOCKS? SCHEDULE A FREE CONSULTATION with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.comPrecious metals mining company analyst Jeff Clark shares his top picks for gold & silver mining companies.#goldprice #silverprice #miningstocks _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

A video of this podcast is available on YouTube, Spotify, or PwC's website at viewpoint.pwc.comIn this episode, we take a closer look at the modernization of the Greenhouse Gas (GHG) Protocol and its implications for sustainability reporting with a member of the GHG Protocol's Independent Standards Board, Paul Munter. Paul shares insights on the evolving governance structure, the newly released scope 2 guidance, and the growing importance of interoperability in global sustainability reporting.In this episode, we discuss:0:58 – What's driving the modernization of GHG Protocol standards3:31 – The governance model, including the role of the Independent Standards Board9:06 – Highlights of the scope 2 public consultation and the importance of stakeholder feedback17:46 – Interoperability with other sustainability reporting frameworks21:36 – Updates under review for the Corporate Standard and the Scope 3 Standard26:40 – What companies can be doing now to prepare for upcoming changes32:27 – The role of boards and audit committees in overseeing emissions reportingFor more on the GHG Protocol's recent exposure draft and the overall timeline for its revision process, check out our publication, GHG Protocol announces Scope 2 Public Consultation.To explore additional insights on GHG reporting, see: Sustainability now: GHG reporting trends and challengesSustainability now: Inside the GHG Protocol's scope 3 updateCARB releases draft emissions reporting templateAbout our guestPaul Munter is currently a member of the Independent Standards Board of the Greenhouse Gas Protocol. He served as the Chief Accountant at the U.S. Securities and Exchange Commission from 2021 – 2025. During much of that time, he also served as Chair of the Monitoring Group and as Vice Chair and Chair of IOSCO's Committee on Issuer Accounting, Audit and Disclosure. Prior to that, he served the SEC as Deputy Chief Accountant from 2019 - 2021, leading the Office of the Chief Accountant's international work.About our guest hostDiana Stoltzfus is a sustainability partner in the Professional Practice Group within the National Office. Diana helps to shape our firm's perspective on regulatory matters, responses to rulemakings, and policy development and implementation related to significant new rules and regulations. Diana was previously the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) of the Professional Practice Group in the OCA at the SEC. She focused on providing guidance related to auditing, independence, and internal controls.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.comDid you enjoy this episode? Text us your thoughts and be sure to include the episode name.

Everyone talks about the magic retirement number — $1 million, $2 million, or more. But what if that number doesn't actually tell you whether you're ready? In this episode, Adam Olson, CFP®, breaks down the truth behind the $2 million myth and reveals why some retirees run out of money while others thrive with much less.You'll learn how taxes, inflation, and lifestyle choices can drastically change what your savings are really worth — and how Adam's Red Zone Retirement Planning Process helps turn a lump sum into a lifetime income strategy.Discover:Why $2 million means something different for everyoneHow location and lifestyle decisions can double (or cut in half) your spending powerHow to segment your retirement assets into the Go-Go, Slow-Go, and No-Go yearsWhat a realistic withdrawal rate looks like in today's economyIf you want to find out whether your retirement plan can stand the test of time, take Adam's free Red Zone Retirement Readiness Quiz at www.adamdolson.com8575940.1#RetirementPlanning #FinancialFreedom #RedZoneRetirement #RetirementMyth #WealthManagement #RetirementIncome #RothConversion #TaxFreeRetirement #RetireSmart #RetireRight #RetirementStrategy #FinancialAdvisor #RetirementLifestyle #InflationProtection #RetirementSavingsInvesting involves risk, including loss of principal. Be sure to understand the benefits and limitations of your available options and consider all factors prior to making any financial decisions. Any strategies discussed may not be suitable for everyone. Securities and advisory services offered through Mutual of Omaha Investor Services, Inc. Member FINRA/SIPC. Adam Olson, Representative. Mutual of Omaha Investor Services is not affiliated with any entity listed herein. This podcast is for educational purposes only and may include references to concepts that have legal and/or tax implications. Mutual of Omaha Investor Services and its representatives do not offer legal or tax advice. The information presented is subject to change without notice and is not intended as an offer or solicitation with respect to the purchase or sale of any security or insurance product.Mutual of Omaha Investor Services and its various affiliates do not endorse or adopt comments posted by third parties. Comments posted by third parties are their own and may not be representative or indicative of other's opinions, views, and experiences.

What You Can NOW Do With $2 Million Saved — And What Most Retirees MissHow much you need to retire quiz: https://bit.ly/Adam-OlsonEpisode Description:In today's episode, Adam Olson, CFP®, breaks down the overlooked opportunities available once you've crossed the $2 million milestone. After helping countless high-net-worth families navigate the Red Zone Retirement™ years, Adam reveals the income strategies, lifestyle upgrades, tax efficiencies, and legacy planning tools that most retirees never realize they have access to.You'll hear a real case study of a client who retired confidently at 61 with $2.2 million—and the exact step-by-step framework Adam used to turn her savings into predictable income, lifestyle freedom, and long-term tax optimization.If you have $2 million saved (or you're approaching it), this episode will show you exactly how to use that wealth to create security, enhance your lifestyle, and build a meaningful legacy.

Beleggers keken deze week uit naar de beleggersdag van Adyen, waarop het bedrijf de nieuwe doelstellingen presenteerde. "Niet héél ambitieus, die doelstellingen", vindt Thomas Pellegrom van ABN Amro. Toch begrijpt hij de positieve reactie van beleggers. "Het zijn nog steeds mooie marges, en Adyen doet het heel goed als je het vergelijkt met Fiserv. Die Amerikaanse concurrent verloor de helft van z'n waarde op beroerde cijfers." Joost van Leenders van Van Lanschot Kempen zit op hetzelfde spoor. "Ik denk dat de doelstellingen bewust conservatief zijn gehouden, om tegenvallers uit te sluiten. Met een koerswinstverhouding van 26 is het aandeel niet extreem gewaardeerd en het is een hele sterke speler in de betalingssector. Over het sentiment zijn beide experts positief, al lijkt de markt op dit moment wat te consolideren. Een AI-bubbel die op springen staat, zo ver is het nog niet en de topspelers in die sector zijn zeer winstgevend Dat niet alleen, ze geven de indices nog steeds de grootste impuls. Verder in de podcast aandacht voor de overname van NIBC door ABN Amro en de cijfers van die laatste. Ook de cijfers van onder andere TKH, Bayer en Aegon worden besproken. De luisteraarsvragen komen aan bod en de experts geven hun tips. Joost tipt deze keer een Amerikaanse bank, Thomas gaat voor een tracker met de ISIN-code IE00B579F325. Geniet van de podcast! Let op: alleen het eerste deel is vrij te beluisteren. Wil je de hele podcast (luisteraarsvragen en tips) horen, wordt dan Premium lid van BeursTalk. Dat kost slechts 9,95 per maand, 99 euro voor een heel jaar. Abonneren kan hier! VanEck ETF’s (advertorial) Deze week is ook weer het tweewekelijks gesprek te beluisteren met Martijn Rozemuller, ceo van VanEckETF’s, de partner van BeursTalk. Met Martijn bespreek ik deze week de praktijk van securities lending. Securities lending komt er simpel gezegd op neer dat, in dit geval, de uitgever van een ETF de onderliggende aandelen uitleent. Uiteraard tegen een vergoeding, die deels terugvloeit naar de eigenaar van de ETF. Dat lijkt mooi, maar er zitten ook bezwaren aan. Get belangrijkste is wel dat er een zogenaamd tegenpartijrisico aan vast zit. Stel dat de lener in de problemen komt en de aandelen niet kan teruggeven, wat dan? We bespreken ook een andere vorm van tegenpartijrisico: de synthetische ETF. Daarbij koopt de uitgever van de ETF niet de aandelen van de index, maar sluit een overeenkomst met een tegenpartij die beloofd de performance van de index te leveren. Ook kier, zo legt Martijn helder uit, speelt natuurlijk het risico dat de financiële tegenpartij in de problemen kan komen. Ter geruststelling: VanEck Europe heeft alleen fysieke ETF's en leent ook geen aandelen uit. Geniet van de podcast! De gepresenteerde informatie door VanEck Asset Management B.V. en de aan haar verbonden en gelieerde bedrijven (samen "VanEck") is enkel bedoeld voor informatie en advertentie doeleinden aan Nederlandse beleggers die Nederlands belastingplichtig zijn en vormt geen juridisch, fiscaal of beleggingsadvies. VanEck Asset Management B.V. is een UCITS-beheerder. Loop geen onnodig risico. Lees de Essentiële Beleggersinformatie of het Essentiële-informatiedocument. Meer informatie? https://www.vaneck.com/nl/nl/ See omnystudio.com/listener for privacy information.

A trio of L&G investment experts recently recorded a webinar to discuss the wide-ranging implications of artificial intelligence (AI) for investors.    Advances in AI are continuing to dominate headlines – and reshape the investment landscape. In our webinar a panel of experts discussed the implications of the technology for investors, from the near-term market trajectory to its impact on economic growth and infrastructure spending. The event was hosted by Laura Brown, Head of Public Markets Distribution, and featured the following speakers: Jason Shoup, Chief Investment Officer, Asset Management, L&G America, and Co-Head of Global Fixed Income Christopher Jeffery, Head of Macro Strategy Matteo Colombo, Managing Director Digital Infrastructure Investing – Private Markets Investments All data sourced from Bloomberg as at 7 November unless otherwise stated. Securities mentioned for illustrative purposes only. Reference to a particular security is on a historic basis and does not mean that the security is currently held or will be held within an L&G portfolio. The above information does not constitute a recommendation to buy or sell any security. It should be noted that diversification is no guarantee against a loss in a declining market.

How do you know if your financial advisor is a bad fit for you? What about an advisor that you're thinking about working with? What red flags should you be looking out for?   Important Links: Website: http://www.yourplanningpros.com Call: 844-707-7381   ----more---- Transcript:  Marc Killian: How do you know if your financial advisor is a bad fit for you? What about an advisor that you're thinking about working with? Are there some red flags to be on the lookout for this week on Plan With The Tax Man? We'll highlight five of those to keep an eye on.   Hey everybody, welcome into the podcast Plan With The Tax Man here with Tony Mauro and myself, Mark Killian, to talk about some red flags to hopefully you're not ignoring or at least be aware of. And we'll dive into that this week here, Tony, as we're getting pretty close to Thanksgiving. How you doing, my friend?   Tony Mauro: I'm doing good. Getting ready for the holidays myself and getting ready, well with the staff, for the year-end.   Marc Killian: Okay. Yeah, well, I mean, it is a busy time of the year for everybody. And so maybe if you are shopping or thinking about doing something, making a change, some red flags to maybe be aware of. So we'll run through a few of these for folks, see if we can help them out. Let's start with the whole cookie cutter conversation, the one size fits all approach. Obviously at this point it's become cliche. Every advisor says you need a specific strategy for your situation, but it really is true because there are still some of those big box places out there that just try to jam everybody into the same kind of thing.   Tony Mauro: There is. I have more and more conversations with clients about this, and you're right. All of us advisors, everybody knows that we all do the same thing. But I think too many of us, if they're going with this one size fits all approach, I think we're doing a disservice to the clients. So I think if you are a person out there looking for an advisor, you want to ask about what is your approach for your clients and what do you do with them and how do you do it a little bit?   Because for us, we like to start, and I just had a conversation with a tax client yesterday about we don't want you to come to us just for us to have you do say a Roth IRA. And we just manage the money. You're paying us, so we want to provide some value. We want to get to know you, we want to develop a plan and help you through the plan. So I would definitely ask those questions and don't be afraid to do that because that's what's going to determine if they're a good fit for you or not.   Marc Killian: Yeah, exactly. And every situation's a little bit different, certainly. And there's certainly universal things that do affect us all. But just kind of trying to jam everything into one style that 20 people walk in the door and they try to put them all in the same overall portfolio and approach. And maybe that's the key word right there, Tony, is that a lot of times these big box places, they're really talking more about the portfolio management and things of that nature versus a holistic retirement strategy.   Tony Mauro: They are. And we don't spend a lot of time on that because I don't want to say we don't feel it's important because it is. But that's secondary to really what you want to do and where you want to get to because we can figure out that part of it later. And there are so many choices that we'll find something there. I don't like to lead with that and talk about performance and this and that because I don't think that that is the first thing we should be doing.   Marc Killian: Yeah, you're talking about relationship and life planning, if you will, a little bit, more than just portfolio building at that point. Most of us have built one. Sure, we still want to manage things and then stay ahead of the inflation and keep going, but you're talking taxation and social security optimization, there's just all these other pieces that go into it. So that's where the customization truly does come into play. All right. That's the first one, Tony. How about the communication aspect? So also sometimes a knock on some of those places is, well, okay, they got me set up and I never hear from them after that.   Tony Mauro: Yeah, I hear that a lot. I really do from clients, and sometimes it can go several years. And to me, I always ask them, well then they're not really, in my opinion, your advisor. There's somebody that is maybe managing your money or at least supposed to be watching it, but most fiduciaries, we have an obligation to at least meet with you once a year. But we try to do that more than once a year, even if it's just a phone call or a Zoom call, something like that. Because we do want to communicate with you and we don't want to just talk about how the market's doing and what's going on in the latest rally, or decline, or political situation, things like that.   We want to talk about what's changed in your life and if some of your goals have moved and things like that, we'll touch on some of that current event stuff. But I think it's important to just keep in communication to let you know that we are still looking after things and monitoring your plan, even though you don't hear from us. Because a lot of people, if we don't communicate with you, you probably start scratching your head saying, well, why am I paying these people and what am I paying them to do for me if I'd ever hear from them?   Marc Killian: Yeah, yeah, exactly. So communication is certainly a big key. And transparency also a big key, Tony. If you can't tell how somebody's getting paid, that's a serious concern. That's a big red flag. And transparency not only in the fees you're paying, but fees you're paying for your products and just across the board. That should just be a must. Transparency across the board.   Tony Mauro: I think it is. I think it should be one of the first things that are talked about. We talk about it with our clients and prospective clients right up front. And we tell them just like when we do your tax return or your accounting, we're paid pros. And as long as you understand that, here's the value we're going to deliver, here's what you can get for the money you're paying for us. And it's up to you then to decide if you think that there's enough value to pay that fee. But we definitely don't want to hide behind that. And I definitely wouldn't be afraid for all of you out there to ask your advisor that. And just so you know, you're not really questioning that they should be getting paid more of how and what motivates them. And I think more of the truer measure, I'm one of those fee for planning types of guys or asset-based management. I don't really like commissions and things like that. I do think that skews some things and can lead some people to do things that aren't in their clients best interest.   Marc Killian: Yeah, again, you're talking about relationship building. So why would you not want to have that transparency anyway on all facets of things? So it just totally makes sense. Okay. Tax strategy, so well, Plan With The Tax Man, right?   Tony Mauro: That's right. My favorite.   Marc Killian: Exactly. So I mean obviously if you're working with somebody who is, again, the focus is primarily on the accumulation and you don't really touch on some of the other pieces of the long-term aspect of retirement, getting into retirement, all that kind of stuff, then you're certainly a red flag because you got to have a tax strategy, Tony, you know this as a CPA, the prior year information is fine and good, you're handling all that, doing the annual taxes. But you really want to be thinking about future taxes as well, forward-looking. And someone like yourself who does multiple sides of the coin, you're a CFP as well as a CPA, you're looking at both of those.   Tony Mauro: Trying to always look at both of those, especially with a financial plan planning client because you know what they say. Taxes, they're with us till the day we die. It touches pretty much everything. It's one of the biggest expenses over our lifetime. Why would you plan your future without taking that into consideration. And it's bad. And I don't know what the best word is here to say. I better leave it alone. I don't want to talk about the government. We're coming off to shut down and everything else. But as bad as they are, sometimes the tax code is full of things that we can do legally to help cut our taxes.   And a lot of people aren't familiar with them or haven't taken advantage of that. And it's certainly true with retirement, but there's also some things you can do in retirement to cut your taxes now, but then you've got to deal with it later. You've got basically a payable to Uncle Sam. So it's important to factor that in when you're planning, I think. It's my number one favorite and my number one biggest reason why I think people should use somebody that has a tax background when they're planning.   Marc Killian: And again, nothing wrong with your CPA looking at the prior year, that's their job, right?   Tony Mauro: Right.   Marc Killian: But working with someone who has, I guess the mindset to do both sides of the aisle if you want to stick with the political conversation, sort of is a great way to go about that. And of course doesn't mean that you can't have your own CPA and work with people as well, but just again, make sure you're having that tax strategy conversation and working with a financial professional who is thinking about the tax simplifications of the moves you're making because they will be there. They're not going anywhere to your point. And I guess Tony, that really just brings it back home to the final piece for, so we talk about five today, and that's just not a lot of information gathering.   Look, you've been doing this 30 plus years. It's probably very fair to say if a brand new prospects walk walks into your door and sits down with you in that hour consultation, you probably, if you've got their information, you're looking at it, you probably could give them recommendations right then and there, right? Because you've been doing it long enough. You've seen it enough time. It's like mechanic says, "Oh, yep, I know exactly what's wrong with your car." However you want the diagnostic fully done to make sure that it's not something else or that all the different pieces. And that's where, again, the communication, the information gathering, taking the time to learn about the client is crucial when working with a professional. So if you're not getting that, that's a red flag.   Tony Mauro: That's a huge red flag because yes, you're right. Somebody walked in my door hypothetically and said, "Look, I want to open up a Roth IRA. Just tell me what fund to put my money into and I'm going to go do it." Yeah, I could give them a number of funds or stocks or whatever else they want, but that's not really what I'm being paid to do. And I do have a duty to make sure that what I'm saying fits them. The only way that I can make a good recommendation, whether it's a plan or a specific investment, is to know a lot about what they want, what they have, where they're going. And so I generally gather a lot of information.   Now we use some tools technologically, we use Asset Map for us. It makes it very easy for the client to get it started without having to feel like they're getting the third degree interrogation, trying to get every last piece of their financial advice or a life. But we try to make it fun for them. But in the end, and they help construct that. They tell us really everything they have and where they want to go and everything. And then we have it, like I say. We take their assets and kind of throw it on a map and rearrange it and come up with a plan.   Marc Killian: And that's why it's Plan With The Tax Man.   Tony Mauro: That's why it's was plan. You got to be able to plan.   Marc Killian: You got to be able to plan. So look, a great financial advisor will build a relationship with you. If something feels off, listen to your gut. We have those things for a reason. A lot of times they're right. And their right advisor hopefully is not making you feel like you're in the dark or are not understanding or whatever the case is. And so if you're already working with somebody and you feel like you've got some red flags, and you're not getting answers to the questions and you're shopping around, or you're just shopping around for their first advisor, take the time to find the right fit for you. That's why they all offer those complimentary reviews and consultations. That's why the podcast, just about everybody has a podcast and video channels and stuff like that. It's a great way to learn more about them and that their philosophy is a good fit for you.   Then you go in for the consultation and so on and so forth, and you see if it's a home run or not. So that's going to do it for this week here on Plan With The Tax Man. Don't forget to subscribe to us on Apple, Spotify or whatever podcasting app you like using, and you can find all that information at yourplanningpros.com, as well as get on Tony's calendar there and his radar for a consultation at yourplanningpros.com. With that, we're going to say we'll see you next... Well, right before Thanksgiving probably. So have yourself a great week and Tony, I'll talk to you soon.   Tony Mauro: All right, thanks.   Marc Killian: We'll catch you later here on Plan With The Tax Man.   Securities offered through Avantax Investment Services SM, member FINRA, SIPC. Investment advisory services offered through Avantax Advisory Services. Insurance services offered through an Avantax affiliated insurance agency. Investment strategies discussed in this episode may not be suitable for all investors. Please consult with a financial professional.

TO BUY SILVER & GOLD, contact Andy's firm at info@milesfranklin.comThe precious metals appear to have recovered from their recent pullback as gold futures vaulted over $4,200/oz today while silver futures surpassed $53/oz.So, is the precious metals rally back on?I asked this question to Andy Schectman in today's livestream. He think it very well may be.We discuss this plus a host of other PM-related topics. To hear it all, click here or on the video below.FYI: if you're looking to purchase bullion online, Thoughtful Money recommends Miles Franklin, co-founded, owned and operated by Andy. The firm has been in operation since 1989, and is a full-service precious metals broker with a mission to educate the masses on the benefits & principles of sound money and deliver fair pricing.Given the important of the partnership between Thoughtful Money and his firm, Andy himself has offered to give Thoughtful Money followers the “white glove” treatment. So if you're interested in learning more about their services, email them directly at info@milesfranklin.com and Andy or one of his lieutenants will give you personal attention, answer all your questions and work to get you the products that best meets your needs at the best possible price.#goldprice #silver #preciousmetals 00:00:00 — Is the rally back on? — initial take00:02:53 — How the price was knocked down (overnight dump, low liquidity)00:03:38 — Who bought the dip (Bank of America, Morgan Stanley)00:08:35 — Concern: inventory squeeze — intro to supply question00:09:56 — Tether and stablecoin buying of gold explained00:11:19 — Retail premiums and US Mint supply issues00:13:53 — Thesis: revaluing gold to devalue the dollar and reshore manufacturing00:18:01 — Kystan USD stablecoin backed by gold — broader trend00:20:22 — Tether at mining summit / disintermediation of miners00:23:14 — Silver as a strategic battleground (industrials vs investors vs states)00:24:32 — Silver added to US critical minerals list — implications00:26:04 — Primary silver production challenges; byproduct supply issues00:28:13 — Will silver become an heirloom metal again?00:38:44 — Shanghai futures, Russia, Hong Kong vaults — repo facility theory00:46:04 — Institutional positioning: $96M GLD call block (December bets)00:52:16 — User questions: selling bullion — process overview01:00:16 — Shipping & insurance details (USPS vs FedEx; insurance limits)01:06:24 — Confiscation risk discussion — likelihood and institutional focus_____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

LionTree's James Lindsay visits the massive studio complex of Merwas in Riyadh, Saudi Arabia (the world's largest music studio, according to Guinness) to converse with Danny Townsend, CEO of SURJ Sports Investment. Danny, who began his career playing football (a/k/a soccer) for Australia's Sydney United Team, had a 26 year-long career on the business side of sport prior to his 2023 appointment as CEO of SURJ. The pair hone in on Danny's broad remit, underlining the “dual mandate” of successfully deploying Saudi Arabia's Public Investment Fund (PIF) in the sports arena, as well as bringing about genuine social change by expanding youth sport participation and maximizing opportunities for female athletes such as Saudi MMA champion, Hattan Alsaif.This podcast is for information purposes only. The opinions and views expressed in this material are solely the participant's personal opinions and do not necessarily reflect the opinions of LionTree or its affiliates. This material should not be copied, distributed, published, or reproduced, in whole or in part, or disclosed by any recipient to any other person without the express written consent of LionTree. The information contained in this material does not constitute a recommendation, offer or solicitation from any LionTree entity to the recipient with respect to the purchase or sale of any security, and LionTree is not providing any financial, economic, legal, investment, accounting, or tax advice through this material or to its recipient. Neither LionTree nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this material and any liability therefore (including in respect of direct, indirect, or consequential loss or damage of any kind whatsoever) is expressly disclaimed. LionTree does not undertake any obligation whatsoever to provide any form of update, amendment, change or correction to any of the information, statements, comments, views, or opinions set forth in this material.Third-party content may be published on LionTree pages in response to this material. Such content is not reviewed by LionTree before it is displayed and LionTree cannot guarantee the accuracy or completeness of such content. The opinions and views expressed by the authors of such third-party content are solely the author's personal opinions and do not necessarily reflect the opinions of LionTree or its affiliates. LionTree reserves the right to remove, alter or edit any third-party content published on LionTree pages. LionTree expressly disclaims any liability (including in respect of direct, indirect, or consequential loss or damage of any kind whatsoever) arising out of, or in connection with, the access or use of any social media platform or LionTree page. Use of a social media platform or LionTree page is at your own risk.Securities of any investment funds managed by LionTree are privately offered to selected investors only by means of each such fund's governing documents and related subscription materials. Listeners and viewers should not assume that companies identified in this audio and/or video are representative of all investments made or recommended by LionTree on behalf of each firm's clients. An investment with LionTree is speculative and involves significant risks including the potential loss of all or a substantial portion of invested capital and the lack of liquidity of an investment. Past performance is not indicative of future results.For further information, please see: https://liontree.com/disclaimer/. If you have questions, please go to https://liontree.com/ and select “Contact.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Designing the life you want starts with your income. This week, Regina sits down with Kim Daly, a history-making franchise consultant and mindset coach, to unpack how franchising can de-risk business ownership, create cash flow, and buy back your time. Kim explains why you should pick a business for the life it creates, not for a hobby or what your town "needs", and how mindset shifts fueled her 350% growth in 12 months. She also shares realistic capital ranges, FTC guardrails, semi-absentee ownership, and the legacy of modeling success as a single mom. Episode Highlights:   0:00 - Intro & guest 0:44 - What Kim does + who she helps 3:57 - 9 Vision-first franchising: match the life, then the business 5:40 - The process (free), how she's paid, and wide industry options 7:21 - Kim's path into franchising 9:05 - Franchising vs. entrepreneurship; cash flow + semi-active ownership 11:46 - Costs, FTC guardrails, and mindset (Z Suite) 17:31 - Challenges, legacy, and "never retire" philosophy 23:24 - Action item + outro & disclosures   ABOUT REGINA MCCANN HESS   Regina is the author of Super Woman Wealth: How to Become Your Own Financial Hero.  As an advocate for women's financial freedom, she wrote this book to help empower women to take a bigger role in handling their money.     Regina has appeared on Schwab TV, Yahoo Finance, Forbes.com, NTD Television, CBS 3 Philadelphia, Fox 29 Philadelphia, King 5 Seattle, KTLA 5 Los Angeles and Scripps News.  She has also been quoted in numerous articles in publications such as Forbes, Business Insider, U.S. News & World Report, Yahoo Finance, USA Today, USA Wire, Word in Black, WTOP News, Mind Body Green, Money Digest, New York Post, Defender, Authority Magazine, GoBankingRates.com, Scripps and The Muse.   As Founder of Forge Wealth Management, Regina utilizes her 25+ years of financial services experience to help individuals plan, preserve and diversify their wealth.  She focuses on educating her clients while building long-term relationships with them and their families.  Her experience throughout major shifts in the markets, enables Regina to structure balanced portfolios to address specific financial goals. CONNECT WITH REGINA   Website: https://www.forgewealth.com LinkedIn: https://www.linkedin.com/in/reginamccannhess/ Facebook: https://www.facebook.com/ForgeWealth Instagram: https://www.instagram.com/forgewealthmanagement/ YouTube: https://www.youtube.com/@ForgeWealth Email: reginahess@forgewealth.com   CONNECT WITH KIM DALY   Website: https://thedalycoach.com/   Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org, www.sipc.org Third-party posts found on this profile do not reflect the view of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. For a list of states in which I am registered to do business, please visit www.forgewealth.com.

In this episode, we break down the latest economic headlines—from stubborn inflation and the Fed's recent rate cut to new data showing why retirees feel less confident even in a strong market—and what it all means for your money. Plus, we answer a listener's question about how to navigate the worry of a potential market decline.  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

In this episode on Certificates of Deposit (CDs) as investments, we talk about the nuanced decision-making involved in purchasing CDs and whether or not CDs are good investments, particularly in a rising interest rate environment, and we explain why interest rates are the only factor you need to consider. Wealth creation isn't solely dependent on CD rates, and we need to consider the impact of inflation and interest rates to gain a comprehensive financial perspective. The episode also explores how government strategies to combat inflation by adjusting interest rates impact not only investors, but also shape the attractiveness of CDs as an investment option. In a rising interest rate environment, buying CDs may seem like a good idea but it depends on your needs and goals. Wealth isn't created by buying a CD based on a rate. It's created by understanding why the rate may not be all that important. Banks look at what is known as the federal funds rate, also known as a benchmark rate. This is the rate banks charge one another to borrow money overnight that's needed to maintain reserve requirements. Upstream in the decision making process is the Federal Open Market Committee or FOMC, who meet throughout the year to discuss and set monetary policy. Within these policies, rates are set and typically linked to inflation. When those rates are set, banks may adjust rates on loans, deposits and certificates of deposit. But just like any business, banks will adjust rates to compete in their market as they seek to cover their costs and maintain a profit. CDs specifically are an attractive tool for banks, because unlike a deposit account, CDs actually lock up customers with a maturity date, which gives banks better control of their cash flow. The higher rates draw in customers seeking to maximize their returns. Rates on CDs matter, but not as much when you factor in inflation and interest rates. If inflation is at 7% and interest rates are at 5%, the net is 2%. The same is true if inflation is at 0% and interest rates are at 2%. You have to look at both numbers to get a full picture. When you consider the gridlock within the housing market and the amount of debt our government holds, it's hard to believe rates can remain elevated over the long term. The government is desperately trying to combat inflation by raising rates. These higher rates not only impact consumers, but they also impact the government. According to the Congressional Budget Office, or CBO, in June of 2023, they projected that annual net interest costs on the federal debt would total $663 billion in 2023 and almost double over the next decade. Interest payments would total around $71 trillion over the next 30 years, taking up to 35% of all federal revenue by 2053. These numbers are impacted by interest rates and with lower rates come lower interest payments, so the government has reasons to see rates lower than they currently are. The question is: Does it make sense to lock in CD rates while rates are high? It depends. If you have money sitting in a bank account that you don't need and the CD rate is offering a higher rate than your savings, then it might be a good option. A good idea is to compare CD rates to other options like fixed annuities and money markets since they share some similarities but also have a few key differences that could make one choice better for your situation. Certificates of Deposit are offered by banks as a savings account that offers a fixed interest rate over a specified period of time, ranging from one month up to five years. They carry penalties if funds are removed before maturity, and they're FDIC insured up to $250,000. Fixed Rate annuities are issued by insurance companies and are financial products that offer a fixed interest rate over a specified period of time. Early withdrawals can incur a penalty, and interest earnings are tax deferred until you start taking distributions. The guarantees are backed by the claims paying ability of the insurance company and are insured by what is known as the State Guarantee Association. Money markets are funds issued by financial institutions that are backed by highly liquid short maturity investments. Maturities usually range from overnight to just under a year, and assets can be quickly converted to cash with minimal loss of value. They are generally considered more risky than a bank, CD or insurance company annuity, and the underlying investments include such things as treasury bills, commercial paper and CDs. While CDs offer the safety of fixed returns, they are not devoid of risks and limitations. It's essential to understand both the micro and macro economic factors that affect CD rates before diving in.      Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify BrianSkrobonja.com/Resources - Free Resources To Help You Protect Your Financial Future Common Sense: YOUR Guide to Making Smart Choices with YOUR Money by Brian Skrobonja "What to Know About How Banks Work" The State Guaranty Association   References for this episode: https://www.pbs.org/newshour/economy/americans-faith-in-banks-hit-low-after-failures-says-ap-norc-poll https://www.federalreserve.gov/monetarypolicy/reservereq.htm https://fortune.com/recommends/banking/will-cd-rates-go-up https://www.usbank.com/investing/financial-perspectives/market-news/federal-reserve-tapering-asset-purchases.html https://www.pgpf.org/analysis/2023/07/higher-interest-rates-will-raise-interest-costs-on-the-national-debt   Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS.

If you only had a year to live, would you still stress over every dollar you spend? This week, we're digging into the tension between enjoying your money today and making sure you don't outlive it tomorrow. We talk about where oversavers get stuck, why undersavers regret it, and how to build a balanced approach that actually fits real life. To learn more about finding that middle path, tune in. ________________________________________________________________ SOCIAL LINKS: Facebook: https://www.facebook.com/AaronKatsmanLC/ LinkedIn: https://www.linkedin.com/in/aaron-katsman-6550441/ ________________________________________________________________ SUBSCRIBE TO THE PODCAST: iTunes: https://podcasts.apple.com/us/podcast/the-aaron-katsman-show/id1192234142 Stitcher: https://www.stitcher.com/podcast/the-aaron-katsman-show Spotify: https://open.spotify.com/show/1lePc1pC0giBFV1nzCGsQR ________________________________________________________________ VISIT MY WEBSITE: Website: https://www.aaronkatsman.com/ ________________________________________________________________ CONTACT ME: Email me: aaron@lighthousecapital.co.il ________________________________________________________________ DISCLAIMER: Aaron Katsman is a licensed financial professional both in the U.S. and Israel. Call 02-624-0995 for a consultation on how to handle U.S. brokerage accounts from Israel. This video is for education purposes only and is not intended to give investment, legal or tax advice. If such advice is needed, contact a licensed professional who can help you. Securities offered through Portfolio Resources Group Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not of Portfolio Resources Group Inc., or its affiliates. Neither PRG nor its affiliates give tax or legal advice.

I always say the most valuable people to interview are capital allocators, because they have to answer to their clients for their market calls.They are judged not by their opinions, but by their results.Today, we're fortunate to hear from one of the most-respected capital management firms in the world: Grantham, Mayo, Van Otterloo -- which was co-founded by the great investor Jeremey Grantham and currently manages over $65 billion of client assets.Specifically, we're sitting down with John Thorndike Co-Head of Asset Allocation, who co-manages GMO's Dynamic Allocation & International Value ETFs.We'll discuss GMO's outlook for 2026 and where the firm sees the biggest risks & opportunities for investors.John sees that International Value stocks are set to outperform US Growth stocks in coming years.To find out why, watch this video.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.comHere are the ETFs John mentions in this video:- GMOD: https://www.gmo.com/americas/product-index-page/multi-asset-class/dynamic-allocation-strategy/dynamic-allocation-etf/- DRES: https://www.gmo.com/americas/product-index-page/equities/domestic-resilience-strategy/domestic-resilience-etf/?accept=Funds- GMOI: https://www.gmo.com/americas/product-index-page/equities/international-opportunistic-value-strategy/international-value-etf/- GMOV: https://www.gmo.com/americas/product-index-page/equities/u.s.-opportunistic-value-strategy/u.s.-value-etf#valueinvesting #internationalinvesting #jeremeygrantham_____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss the dangers (and perks) of credit cards.Subscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardListen to the Scripture Memory PodcastSee the show notes here!Wealth Management from a Biblical WorldviewStewardship Seminars from a Biblical WorldviewLearn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

My guest is Dr. Jennifer Groh, PhD, professor of psychology and neuroscience at Duke University. She explains how our brain encodes sights and sounds and integrates them so we can navigate and understand the world around us. She explains what thoughts really are and how what you focus on determines your thoughts, not just in that moment but your future thoughts too. We discuss this in the context of how to improve your level of focus and happiness and how to complete tasks and task-switch more effectively. We also discuss how you can rewire the neural circuits that underlie your default patterns of thinking and attention. Sponsors AGZ by AG1: https://drinkagz.com/huberman Lingo: https://hellolingo.com/huberman Wealthfront*: https://wealthfront.com/huberman Our Place: https://fromourplace.com/huberman Helix Sleep: https://helixsleep.com/huberman LMNT: https://drinklmnt.com/huberman Timestamps 0:00 Jennifer Groh 3:41 Sounds & Vision, Sensory Integration; Dynamic Maps 7:42 Context & Mapping; Screens, Projection & Perception, Ventriloquists 13:52 Sound Localization 16:53 Sponsors: Lingo & Wealthfront 19:50 Hearing Loss & Sound Localization, Ear Folds 21:56 Unfamiliarity of Hearing Your Own Voice; Tool: Bone Conduction Headphones 26:16 Tool: Headphone Volume & Protecting Hearing 28:57 3D Sound, Sound Distance, Thunder, Earthquakes 37:24 Sound Integration; Sound Frequency & Distance, Warning Signals 44:36 Sponsors: AGZ by AG1 & Our Place 47:39 Music, Rhythm, Community & Emotion 57:00 Music, Military; Courtship; Evolution of Music & Language 1:02:37 Ears, Visual & Auditory Integration, Sound Localization 1:09:48 Evolution of Visual & Auditory Systems, Music; Brain Controlling Vision 1:15:17 Sponsor: Helix Sleep 1:16:45 Physical Space & Sounds; Cathedrals, Sound Delay 1:22:37 Music, Emotion & Community; Science & Admitting Weakness 1:27:01 Thinking & Sensory Simulations; Forming Thoughts 1:33:18 Attention, Attractor States, Flow States, Tool: Changing Environment 1:37:38 Sounds & Environment for Focus, Attention, Tool: Mental Interval Training 1:44:37 Sponsor: LMNT 1:45:58 Endurance & Interval Mental Work; Mental Rest, Music 1:50:37 Musician, Rehearsal & Performance; Pressure 1:54:16 Chickens; Hypnotizing Chickens, Visual Attention & Focus 2:03:47 Relaxation, Phones & Schools, Boredom, Social Media 2:12:48 Acknowledgements 2:13:58 Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Protocols Book, Social Media, Neural Network Newsletter *This experience may not be representative of other Wealthfront clients, and there is no guarantee of future performance or success. Experiences will vary. The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC, member FINRA/SIPC.  Wealthfront Brokerage is not a bank. The base APY is 3.50% on cash deposits as of November 07, 2025, is representative, subject to change, and requires no minimum. If eligible for the overall boosted rate of 4.15% offered in connection with this promo, your boosted rate is also subject to change if the base rate decreases during the 3 month promo period. Funds in the Cash Account are swept to program banks, where it earns the variable APY. New Cash Account deposits are subject to a 2-4 day holding period before becoming available for transfer. Investment advisory services are provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of the Smart Wealth & Retirement Podcast, financial advisors and retirement planners Jim Martin & Casey Bibb of Martin Wealth Solutions tackle one of the most common retirement questions — “Do I really need $1.5 million to retire comfortably?” Jim and Casey break down where that number comes from, why it's often misunderstood, and what truly determines how much you need. They discuss the key variables that shape your retirement number — lifestyle, spending habits, healthcare, taxes, and longevity — and explain how income planning can often matter more than your total account balance. Whether you're just starting to save or approaching the finish line, this episode helps you replace the guesswork with a plan that fits your real life — not a headline.

Let's do a quick review of disability insurance!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff dive into the details of long-term disability insurance.  This coverage is very important for anyone who is still reliant on their income. Discussion topics include: When and why you need this insurance. Different kinds of disability insurance. Details of long-term disability including a breakdown of many common riders. A comparison of employer/group coverage vs. individual coverage. How to apply for coverage. When you may need to increase your coverage and when it's okay to cancel it. No one likes paying for insurance, but insurance allows you to share some larger financial risks with a third party.  Disability insurance is a great example of that.  Most of us feel invincible until we're not. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

At our internal 2026 Forum last week, the AI buildout ran through the debate among our portfolio managers along with other key topics such as stablecoins. Wei Li, Global Chief Investment Strategist at BlackRock, shares some key takeaways. General disclosure: This material is intended for information purposes only, and does not constitute investment advice, a recommendation or an offer or solicitation to purchase or sell any securities, funds or strategies to any person in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The opinions expressed are as of the date of publication and are subject to change without notice. Reliance upon information in this material is at the sole discretion of the reader. Investing involves risks. BlackRock does and may seek to do business with companies covered in this podcast. As a result, readers should be aware that the firm may have a conflict of interest that could affect the objectivity of this podcast.In the U.S. and Canada, this material is intended for public distribution.In the UK and Non-European Economic Area (EEA) countries: this is Issued by BlackRock Investment Management (UK) Limited, authorised and regulated by the Financial Conduct Authority. Registered office: 12 Throgmorton Avenue, London, EC2N 2DL. Tel:+ 44 (0)20 7743 3000. Registered in England and Wales No. 02020394. For your protection telephone calls are usually recorded. Please refer to the Financial Conduct Authority website for a list of authorised activities conducted by BlackRock.In the European Economic Area (EEA): this is Issued by BlackRock (Netherlands) B.V. is authorised and regulated by the Netherlands Authority for the Financial Markets. Registered office Amstelplein 1, 1096 HA, Amsterdam, Tel: 020 – 549 5200, Tel: 31-20- 549-5200. Trade Register No. 17068311 For your protection telephone calls are usually recorded.For Investors in Switzerland: This document is marketing material.In South Africa: Please be advised that BlackRock Investment Management (UK) Limited is an authorised Financial Services provider with the South African Financial Services Board, FSP No. 43288.In Singapore, this is issued by BlackRock (Singapore) Limited (Co. registration no. 200010143N). This advertisement or publication has not been reviewed by the Monetary Authority of Singapore. In Hong Kong, this material is issued by BlackRock Asset Management North Asia Limited and has not been reviewed by the Securities and Futures Commission of Hong Kong. In Australia, issued by BlackRock Investment Management (Australia) Limited ABN 13 006 165 975, AFSL 230 523 (BIMAL). This material provides general information only and does not take into account your individual objectives, financial situation, needs or circumstances. Before making any investment decision, you should assess whether the material is appropriate for you and obtain financial advice tailored to you having regard to your individual objectives, financial situation, needs and circumstances. Refer to BIMAL's Financial Services Guide on its website for more information. This material is not a financial product recommendation or an offer or solicitation with respect to the purchase or sale of any financial product in any jurisdictionIn Latin America: this material is for educational purposes only and does not constitute investment advice nor an offer or solicitation to sell or a solicitation of an offer to buy any shares of any Fund (nor shall any such shares be offered or sold to any person) in any jurisdiction in which an offer, solicitation, purchase or sale would be unlawful under the securities law of that jurisdiction. If any funds are mentioned or inferred to in this material, it is possible that some or all of the funds may not have been registered with the securities regulator of Argentina, Brazil, Chile, Colombia, Mexico, Panama, Peru, Uruguay or any other securities regulator in any Latin American country and thus might not be publicly offered within any such country. The securities regulators of such countries have not confirmed the accuracy of any information contained herein. The provision of investment management and investment advisory services is a regulated activity in Mexico thus is subject to strict rules. For more information on the Investment Advisory Services offered by BlackRock Mexico please refer to the Investment Services Guide available at www.blackrock.com/mx©2025 BlackRock, Inc. All Rights Reserved. BLACKROCK is a registered trademark of BlackRock, Inc. All other trademarks are those of their respective owners.BIIM1125U/M-4976369

Tariffs imposed under the International Emergency and Economic Powers Act (IEEPA) account for about 9.5pp of our estimated 14.7pp effective tariff rate after the reduction in fentanyl tariffs on China. Therefore, the Supreme Court's decision could have important implications for activity, inflation, deficits, debt, interest rates, and the dollar. We discuss risks and scenarios after the oral hearings. As expected US Treasury maintained nominal coupon sizes unchanged but also did not guide towards higher bill share. Instead guidance suggests appetite to grow coupon supply in 2027. We discuss scenarios and implications for the US rate and spread curve.   You may also enjoy listening to the Merrill Perspectives podcast, featuring conversations on the big stories, news and trends affecting your everyday financial life.   "Bank of America" and “BofA Securities” are the marketing names for the global banking businesses and global markets businesses (which includes BofA Global Research) of Bank of America Corporation. Lending, derivatives, and other commercial banking activities are performed globally by banking affiliates of Bank of America Corporation, including Bank of America, N.A., Member FDIC. Securities, trading, research, strategic advisory, and other investment banking and markets activities are performed globally by affiliates of Bank of America Corporation, including, in the United States, BofA Securities, Inc. a registered broker-dealer and Member of FINRA and SIPC, and, in other jurisdictions, by locally registered entities. ©2025 Bank of America Corporation. All rights reserved.

Trump Media and Technology Group, the parent company of Truth Social and a cryptocurrency treasury, reported a net loss of $54.8 million on $973,000 in revenue in the third quarter of 2025, according to a filing Friday with the Securities and Exchange Commission. Forbes staff writer Zach Everson joined "Forbes Newsroom" to discuss. Read the full story on forbes.com: https://www.forbes.com/sites/zacheverson/2025/11/07/trump-media-truth-social-djt-tmtg-taylor-swift/See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In today's discussion we look at the all-important energy market. Remember, without energy, there is no economy.As we look to the future, where are global energy trends headed?How is the AI race and its voracious need for cheap electrons changing the game?And where are the best opportunities for investors likely to lie?To discuss in depth, we're fortunate to sit down with the green chicken himself, the energy expert Doomberg.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#naturalgas #oil #energy _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

In this episode, Jacob is joined by DoubleZero's General Counsel, Mari Tomunen, and Cooley's Connor Tweardy to unpack the U.S. SEC's Division of Corporation Finance's landmark no-action letter to DoubleZero, a decentralized physical infrastructure (DePIN) project that became the first crypto initiative in over five years to secure such relief.Timestamps: ➡️ 01:20 – Why DoubleZero engaged with the SEC➡️ 03:00 – Communicating DePIN to regulators➡️ 04:40 – Making decentralization “lawyer-friendly” ➡️ 07:00 – Why the token's status was crucial➡️ 08:20 – Compliance by design➡️ 10:00 – The DoubleZero Foundation's role➡️ 11:45 – How the SEC evaluated “managerial efforts” ➡️ 13:20 – How an international footprint shaped dialogue with regulators➡️ 15:30 – Lessons for other projects➡️ 18:00 – The SEC's “efforts balancing” test➡️ 22:00 – Why discretionary control and passive income models raise red flags➡️ 26:00 – Designing compliance into your protocol➡️ 30:00 – Advice for teams pursuing regulatory claritySponsor: Day One Law. ⁠⁠ This episode is brought to you by ⁠⁠⁠Day One Law⁠, a boutique law firm helping crypto startups navigate complex legal challenges. Subscribe to ⁠⁠⁠Day One's free monthly newsletter⁠⁠⁠ for legal and regulatory updates.Resources:No-Action Letter: https://www.sec.gov/files/corpfin/no-action/doublezero-final-conformed-092625.pdfCooley LLP's blog post: https://www.cooley.com/news/coverage/2025/2025-09-29-doublezero-secures-no-action-relief-from-secDisclaimer: The information in this podcast is provided for educational and informational purposes only and should not be construed as legal advice. Listening to this episode or contacting the guests does not create an attorney-client relationship. For advice regarding your specific situation, please consult your own legal counsel.

There are now such a host of reasons to have concern for both the economy & markets heading into 2026, that the Wall Street euphoria is starting to wear off.The headwinds are building, cautions Lance Roberts.Slowing growth, unrealistic earnings expectations and historically-high valuations are all good reasons to worry.Lance and I discuss his outlook heading into 2026, as well as this week's weakness in the all-important AI stocks, the Fed's new "not QE" program, the future of the dollar, the plight of the middle class, as well as Lance's firm's latest trades.For everything that mattered to markets this week, watch this Market Recap.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#artificialintelligence #federalreserve #dollar _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

Mauricio Rauld is based in Southern California and is the founder of Premier Law Group which he recently sold. Our team is continuing to work with the Premier Law Group as our securities lawyers. On today's show we're talking about a few of the upcoming changes to securities regulations.To connect with Mauricio, goto askmauricio.com or check out his youtube channel at http://www.youtube.com/@MauricioJRauld. Access to his Inner Circle Syndication Mastermind can be found at coachingwithmauricio.com.-------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)  

Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.Scott lives in Bucks County, PA, with his wife and children.Learn more: http://www.edelmanwealthmanagement.com/Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic WealthInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-wealth-protection

Montana Commissioner of Securities and Insurance James Brown joins us to talk about consumer protection and insurance innovation. Commissioner Brown shares the update on the his investigation into a major data breach affecting over 460,000 Montana Blue Cross Blue Shield. […] The post Crypto-Fraud, Identity Theft, Insurance Rates, and Common Sense first appeared on Voices of Montana.

Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.Scott lives in Bucks County, PA, with his wife and children.Learn more: http://www.edelmanwealthmanagement.com/Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic WealthInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-wealth-protection

ROBOTS ARE HERE. At least according to 1X Tech with their NEO at home robot. They have some big promises they're making and we're splashing some cold water on it. Ben definitely wants one. But what if it decides to start fires? Find out on this week's BANGER episode. WATCH THE FIRST EPISODE OF EMIL'S NEW SHOW! https://www.youtube.com/watch?v=wWED3Qultfc OUR NEW CREDIT CARD SITE IS LIVE!!! Go get that AMEX card baby! https://thecreditcardlist.com Give this video a thumbs up if you enjoyed it! And please leave us a comment! It helps us! ***Ben's new movies and tv podcast with Dillon is OUT NOW! GO WATCH the latest episode on HORROR MOVIES: https://youtu.be/2p0gjv4hZ4s?si=Cll7WAk7bcHkGJu2 **CHECK OUT EMIL'S LIVESTREAMS HERE: https://www.youtube.com/emilderosa Support us and get bonus content, ad-free versions and more plus your first 7 days free at https://benandemilshow.com __ SOME OTHER VIDEOS YOU MAY ENJOY: That's Cringe of Cody Ko: https://youtu.be/dTbEk0pVh2w Our AUSTIN VIDEO: https://youtu.be/yGSs56bFzRU Our episode with Kyla Scanlon: https://youtu.be/cIHWkY35cuc Big Tech is out of ideas (ft. ED ZITRON): https://youtu.be/zBvVGHZBpMw Arguing with a millionaire (ft. Chris Camillo): https://youtu.be/1ZUWTkWV_MM We bought suits HERE: https://youtu.be/_cM1XqA9n2U ***LINK TO OUR DISCORD: https://discord.gg/CjujBt8g ***Subscribe to Emil's Substack: https://substack.com/@emilderosa ***Trade with Ben at https://tradertreehouse.com __ BOOKING.COM: If your vacation rental isn't listed on Booking.com, it could be invisible to MILLIONS of travelers searching online! Don't miss out on consistent bookings and global reach. Head to Booking.com and start your listing today. Get seen. Get Booked on Booking.com. MIZZEN & MAIN: Get 20% off your first purchase at https://mizzenandmain.com with promo code BAES20. MOOMOO: Click this link https://start.moomoo.com/BAES to get up to $1,000 in free stock when you make a qualified deposit. Terms and Conditions apply. Securities are offered through Moomoo Financial Inc. (MFI), Member FINRA/SIPC. The creator is a paid influencer and is not affiliated with MFI and their experiences may not be representative of other moomoo users. Investing is risky. See full disclosures at https://invest.us.moomoo.com/_disclosure __ Follow us on instagram! @ benandemilshow @ bencahn @ emilderosa Learn more about your ad choices. Visit podcastchoices.com/adchoices

Dollar Milkshake Theory creator, Brent Johnson sits down with me at the New Orleans Investment Conference to offer a detailed look into the rise and future role of USD stablecoins, which are being heartily embraced by the Trump Administration.Why exactly?In short, Brent sees the new stablecoin strategy as not just a means to soak up the $trillions in Treasury bonds that the US government will issue over the new year -- it's an entirely new currency system.It's a new form of sovereign control.I'm highly confident this must-listen discussion will blow your mind.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#dollar #money #stablecoin _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

In this episode of Let's Talk Future, host Jane Ross speaks with Kristen Owen, Managing Director and Agriculture Technology Analyst at Oppenheimer, about how renewed trade progress with China, persistent food inflation, and the rise of artificial intelligence are reshaping American agriculture. Together they explore how innovation, policy, and global trends are redefining opportunity and resilience across the food economy—and why, even amid uncertainty, technology is helping build a stronger, smarter, and more sustainable future for farming.   Podcast Disclosure: This podcast is the property of Oppenheimer & Co. Inc. and should not be copied, distributed, published or reproduced, in whole or in part. The information/commentary contained in this recording was obtained from market conditions and professional sources, and is educational in nature. The information presented has been derived from sources believed to be reliable but is not guaranteed as to accuracy and does not purport to be a complete analysis of any strategy, plan, security, company, or industry involved. Opinions expressed herein are subject to change without notice. Oppenheimer has no obligation to provide any updates or changes. Any examples used in this material are generic, hypothetical and for illustration purposes only. All price references and market forecasts are as of the date of recording. This podcast is not a product of Oppenheimer Research, nor does it provide any financial, economic, legal, accounting, or tax advice or recommendations. Any liability therefore (including in respect of direct, indirect or consequential loss or damage) is expressly disclaimed. Securities and other financial instruments that may be discussed in this report or recommended or sold are not insured by the Federal Deposit Insurance Corporation and are not deposits or obligations of any insured depository institution. Investments involve numerous risks including market risk, counterparty default risk and liquidity risk. Securities and other financial investments at times maybe difficult to value or sell. The value of financial instruments may fluctuate, and investors may lose their entire principal investment. Prior to making any investment or financial decisions, an investor should seek advice from their personal financial, legal, tax and other professional advisors that take into account all of the particular facts and circumstances of an investor's own situation. The views and strategies described may not be suitable for all investors. This report does not take into account the investment objectives, financial situation or specific needs of any particular client of Oppenheimer or its affiliates. This podcast may contain forward looking statements or projections regarding future events.  Forward-looking statements and projections are based on the opinions and estimates of Oppenheimer as of the date of this podcast, and are subject to a variety of risks and uncertainties as well as other factors, including economic, political, and public health factors, that could cause actual events or results to differ materially from those anticipated in the forward-looking statements and projections.  The performance of a benchmark index is not indicative of the performance of any particular investment; however, they are considered representative of their respective market segments.  Please note that indexes are unmanaged and their returns do not take into account any of the costs associated with buying and selling individual securities.  Individuals cannot invest directly in an index. This content is intended for informational purposes only and should not be construed as investment advice or a recommendation to buy or sell any security. No part of this podcast should be interpreted as a testimonial regarding the advisory services of Oppenheimer & Co. Inc. Any references to performance, investment opportunities, or market outlooks are based on current opinions, which are subject to change without notice. Past performance is not indicative of future results. All investments involve risk, including the potential loss of principal.   Oppenheimer Transacts Business on all Principal US Exchanges and is a Member of SIPC 8570819.1  

David Baszucki is the founder and CEO of Roblox. TIME named Roblox one of the “100 Most Influential Companies,” and it has been recognized by Fast Company for innovation on their “Most Innovative Companies” and “Most Innovative Companies in Gaming” lists.This episode is brought to you by:Qlosi prescription eye drop used to treat age-related blurry near vision (presbyopia) in adults: https://Qlosi.com/TimAG1 all-in-one nutritional supplement: https://DrinkAG1.com/TimWealthfront high-yield cash account: https://Wealthfront.com/TimNew clients get 3.75% base APY from program banks + additional 0.65% boost for 3 months on your uninvested cash (max $150k balance. Terms apply. The Cash Account offered by Wealthfront Brokerage LLC (“WFB”) member FINRA/SIPC, not a bank. The base APY as of 9/26/25 is representative, can change, and requires no minimum. Tim Ferriss, a non-client, receives compensation from WFB for advertising and holds a non-controlling equity interest in the corporate parent of WFB. Experiences will vary. Outcomes not guaranteed. Instant withdrawals may be limited by your receiving firm and other factors. Investment advisory services provided by Wealthfront Advisers LLC, an SEC-registered investment adviser. Securities investments: not bank deposits, bank-guaranteed or FDIC-insured, and may lose value.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.Scott lives in Bucks County, PA with his wife and children.Learn more: http://www.edelmanwealthmanagement.com/Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic WealthInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-guaranteed-income

In Case You Missed It...

Scott is the President & founder of Edelman Wealth Management Group and manages all aspects of financial planning and employee benefits, providing products and services for investing, retiring, insurance, and estate conservation for individuals, families, and businesses.He has a strong commitment to giving uncomplicated advice and unparalleled service and puts an emphasis on creating lasting relationships with his clients and within his community.A natural teacher and mentor, Scott is a member of Strategic Coach, an entrepreneur business coaching program. He is a thought leader in the financial field and a regular speaker at conferences. Scott is also active with local charities and is on several boards.Scott lives in Bucks County, PA with his wife and children.Learn more: http://www.edelmanwealthmanagement.com/Edelman Wealth Management Group, Inc. Heston Hall 1790 Yardley-Langhorne Road, Suite 202 Yardley, PA 19067. Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC. Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic WealthInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/interview-with-scott-edelman-founder-of-edelman-wealth-management-group-discussing-guaranteed-income

Wall Street's fears of Trump's tariffs and trade wars are greatly diminished these days -- at least by the stock market which has been flirting with new highs of late.Now that we're nearing the end of the year and a resurgence in inflation hasn't materialized, and new trade deals have been or are being finalized with many of America's largest trading partners -- including China, too, now it seems -- an important question is emerging:Will the economy start experiencing tailwinds soon from the Administration's policies?To discuss, we're fortunate to welcome to the program, Peter Tchir, Head of Macro Strategy at Academy Securities.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#tariffs #chinatrade #wareconomy _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss 7 habits of financially successful peopleSubscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardListen to the Scripture Memory PodcastSee the show notes here!Wealth Management from a Biblical WorldviewStewardship Seminars from a Biblical WorldviewLearn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

In this latest monthly outlook from the advisors at New Harbor Financial, John and Mike discuss investing in a world of nosebleed valuations levels during a time when the Fed is cutting rates.This doesn't happen often.What makes more sense: Ride the current party until it ends? Or play it safe and leave it early?We also discuss whether the gold trade is over, or just taking a breather before resuming.WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at https://www.thoughtfulmoney.com#valuations #marketcorrection #goldprice _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter.We produce educational content geared for the individual investor. It's important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such.We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer's unique goals, needs & risk tolerance.IMPORTANT NOTE: There are risks associated with investing in securities.Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods.A security's or a firm's past investment performance is not a guarantee or predictor of future investment performance.Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC.Copyright © 2025 Thoughtful Money LLC. All rights reserved.