Podcasts about Tiaa

Did you hear about the guy who tried to pay his taxes with a smile? Unfortunately for him, the IRS still prefers cash.All jokes aside, failing to file your taxes for several years is no small matter—but it's not the end of the road, either. Kevin Cross joins us today with practical steps to help you get back on track.Kevin Cross is a Certified Public Accountant (CPA) who has headed CPA firms in Florida and now Georgia. He has studied the tax code extensively and specializes in representing taxpayers before the Internal Revenue Service (IRS).Start With the Present, Not the PastThe further you fall behind, the more difficult it is to catch up. But rather than beginning with the year you first missed, he recommends filing your most recent return first—say, 2024—and working backward as needed. This shows the IRS that you're attempting to come into compliance, not ignoring your obligations.Falling behind on taxes is more common than most people think. Life events like divorce, disability, job loss, or even the rise of gig work can trigger tax complications. For example, many gig workers receive a 1099 for the first time, try to file using online software, and are shocked to discover they owe thousands. Rather than seek help, they freeze—and the following year's return also goes unfiled.Of course, COVID didn't help as many people have been struggling since then to get back on track.Do You Always Have to File?A common misunderstanding is that you must always file. If you're not going to owe anything, you don't have to file. That includes many senior citizens who live solely on Social Security.However, if you're due a refund, you have up to three years to file and claim it. Miss that window, and the refund is forfeited.Importantly, there's a difference between not filing and not paying. Sometimes you don't know what you owe—or if you owe—until you file.Even if you don't owe taxes on the sale of a primary residence, for example, the IRS won't know that unless you file. If you don't, you might receive a letter saying you owe thousands in capital gains tax—money you could've avoided paying.How to Begin the ProcessIf you're unsure how many years you've missed, a good first step is to request a Wage and Income Transcript from the IRS. This document shows all your reported income—W-2s, 1099s, Social Security, retirement distributions, and more. You can request it through the IRS website by searching for “IRS wage and income transcript.”Even with transcripts in hand, deciphering them can be complicated. That's why we strongly recommend seeking help from a CPA or tax professional familiar with IRS representation. You may not know what to do with what you find. You can find a Certified Kingdom Advisor (CKA) in your area who specializes in tax planning and preparation by going to FaithFi.com and clicking “Find a Professional”. Also, it's helpful to know that the IRS's own handbook, the Internal Revenue Manual, usually requires only the last six years of returns to be filed. That's a helpful limit for those unsure where to begin.The IRS Will Work With YouDon't let fear keep you stuck. The IRS can work with you. Options include payment plans or even an offer in compromise, which may reduce your total tax liability.Filing late taxes doesn't have to be terrifying. With the right help and a step-by-step plan, you can get back on track—and even experience peace of mind. The IRS just wants to see you trying. Start with today, and take it one step at a time.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We want to pay off this card, but we're making no progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Kevin Cross (CPA)Internal Revenue Service (IRS.gov)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

Proverbs 16:16 says, “How much better to get wisdom than gold! To get understanding is to be chosen rather than silver.”In a world that chases wealth as the ultimate goal, Scripture calls us to something better—wisdom. Because without godly wisdom, even abundance can lead us astray. Today, Jim Newheiser joins us to explore why wisdom, not money, is the true measure of success in God's economy. Dr. James (Jim) Newheiser, Jr., is the Director of the Christian Counseling Program and Professor of Christian Counseling and Pastoral Theology at RTS Charlotte. He is also the author of several books on the subject of counseling, as well as Money: Seeking God's Wisdom (31-Day Devotionals for Life).Investing in What SatisfiesIsaiah 55:2 details an account where the Lord asks, “Why do you spend money for what is not bread, and your wages for what does not satisfy?” It's a poignant reminder that many of us chase things that leave us empty. How we spend our time and money reflects what we value. Yet so often, those values are shaped by a world that overpromises and underdelivers.Instead of finding fulfillment in wealth, ultimate satisfaction comes from our relationship with God and the good gifts He provides. Time spent in Scripture, prayer, and worship is far more nourishing than any financial gain. Even the principle of rest in Scripture is God's reminder that we don't need to fill every waking moment with striving.Wisdom or Wealth? A Tale of Two WomenThe book of Proverbs is interesting because in this compilation in Scripture, wisdom is personified as a noble woman worth pursuing, while folly appears as a seductive but destructive adulteress. Proverbs sets up a contrast because Lady Wisdom is like the soul's true bride. She brings joy and delight. But Madame Folly, who represents false promises like the pursuit of money for its own sake, is spiritual adultery, and she leads to misery.The point is clear: what we pursue will shape us. Chase wisdom, and you'll find joy and lasting purpose. Chase wealth, and you may find yourself grasping at the wind.Applying Wisdom in Daily LifeHow do we actually live out this pursuit of wisdom over wealth? For someone who's not used to reading Scripture regularly, it can start with just two pages a day or with a chapter of Proverbs a day. Ask God to speak to you through it.God has promised something far better than material wealth—His presence, His wisdom, and His joy.There's such a huge connection between our hearts and our money, and God is ultimately after our hearts.If you're ready to go deeper in your walk with God by rethinking your financial life through the lens of biblical wisdom, Wisdom Over Wealth is a great place to start. This new 12-lesson study from FaithFi, based on Ecclesiastes, unpacks how true joy isn't found in accumulation but in reverence, surrender, and trust.You can receive a copy of Wisdom Over Wealth when you become a FaithFi Partner. Your monthly gift of $35, or annual gift of $400, helps us continue to share biblical financial wisdom across the globe. Visit FaithFi.com/give to partner with us today.On Today's Program, Rob Answers Listener Questions:I have a TIAA retirement account from my husband's time as an adjunct professor at a local community college. It's a small amount. As I'm 76, I'm required to set aside a certain amount each year. I would like to give this to my son now so that those amounts can stay in the account and start accruing interest. Can I do that?We have a credit card balance of $15,000 with an interest rate of 11%. We try to pay $2,000 a month, but the balance keeps increasing. Part of the reason is that our 29-year-old daughter, who lives and works in London, has a card on our account. We initially gave her the card for emergencies and plane tickets home, but she's using it for other expenses, such as occasional Ubers and travel. We really want to pay off this card, but we can't make any progress. What can we do?Resources Mentioned:Faithful Steward: FaithFi's New Quarterly Magazine (Become a FaithFi Partner)Money: Seeking God's Wisdom (31-Day Devotionals for Life) by Dr. Jim NewheiserSelectQuoteNational Christian Foundation (NCF)Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money (Pre-Order)Look At The Sparrows: A 21-Day Devotional on Financial Fear and AnxietyRich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

The UK Investor Magazine was delighted to be joined by Kevin Limn, CEO of Adsure Services, to delve into the company's TIAA Insight AI tool.Learn more about Adsure Services here.TIAA Insight is Adsure Services' proprietary artificial intelligence tool designed to improve operational efficiency within their subsidiary, TIAA Ltd, which provides internal audit and business assurance services.The AI tool is built using a closed-source large language model trained exclusively on TIAA's own data rather than open internet sources, ensuring privacy and security for their government-funded clients, including emergency services, educational institutions, and housing associations.The tool forms part of Adsure's strategy to strengthen its position as the preferred provider to the UK public sector through technological advancement.Developed with an Innovate UK grant in 2023, TIAA Insight will first enhance internal processes before Adsure potentially explores licensing the software to external parties. Hosted on Acast. See acast.com/privacy for more information.

On the 52nd episode of Enterprise AI Innovators, host Evan Reiser (Abnormal AI) talks with Sastry Durvasula, Senior Executive Vice President and Chief Operating, Information, and Digital Officer at TIAA. Serving the investment and retirement needs of over 5 million customers, TIAA is a Fortune 500 financial services company with $40 billion in revenue and over $1 trillion in assets under management. In this conversation, Sastry shares his perspective on how AI enables large-scale transformation within a 100-year-old institution, why everyone should have a secure AI assistant, and the cultural components that will unlock the next wave of enterprise AI adoption.Quick hits from Sastry:On using AI to enhance security awareness training: “We used to send static phishing emails. Now we use generative AI to create training campaigns that are more realistic—and way harder to spot.”On AI's strategic impact for legacy enterprise: “AI will play the biggest role in the operational aspects of large, old companies, like digitization did 15 years ago.”On the importance of leadership: “We talk about platforms, processes, and people. But one of my mentors told me: it's people, people, people.”Recent Book Recommendation: Hit Refresh by Satya Nadella, Jill Tracie Nichols, and Greg Shaw--Like what you hear? Leave us a review and subscribe to the show on Apple, Google, Spotify, Stitcher, or wherever you listen to podcasts.Enterprise AI Innovators is a show where top technology executives share how AI is transforming the enterprise. Each episode covers the real-world applications of AI, from improving products and optimizing operations to redefining the customer experience. Find more great insights from technology leaders and enterprise software experts at https://www.enterprisesoftware.blog/ Enterprise AI Innovators is produced by Josh Meer.

Learning about the banking and mortgage industry can help you reach your dreams of becoming a homeowner. In this month's episode, I'm sitting down with three lovely ladies who are striving to make positive changes in gaining access to homeownership, financial education, and inclusive leadership. Grab your cafecito and join us in this lovely conversation.   Meet The Leaders Latonia Donaldson, SVP National Director of Multicultural Lending, PrimeLending Dr. Vanessa Montañez, SVP, Head of Community Lending, CityNational Bank Rosario Lawrence, Area Sales Manager, Newrez Home Loan Division Humble Beginnings in the Lending Industry and Leadership Latonia started as a processor to gain an understanding of the banking industry, then switched over to becoming a loan officer. An unexpected change happened that helped her realize the impact she was making on families achieving their homeownership dreams. This led her to transition into leadership roles with Wells Fargo, which brought her to her role now. Just like Latonia, Rosario started her banking career in 1994. Even though her first position was supposed to just help her get through college, she ended up falling in love with the industry. She decided to go down the leadership path, thanks to someone pulling her aside and showing her how it was a lucrative career that helped children. Dr. Vanessa's father accidentally guided her into business after telling her that the art major she was going for wasn't a good fit for the lifestyle she was accustomed to. After entering the banking industry, she saw how it was a powerful fuel for creating generational wealth. Seeing how transformative homeownership is for people, she joined leadership roles to ensure that the underrepresented population can continue to reach their dreams.   Challenges in Financial Leadership Roles as Minority Women Rosario shares how when there are shifts in the financial space, it impacts minorities in gaining homeownership. She becomes the voice of this demographic to ensure market shifts don't keep them from owning a home. Dr. Vanessa dives into how there have been many times she was sitting at a table and certain people would talk over her. She realized if she was going through this in her position, then how many other women of color were facing the same issue as her. Not wanting to keep being quiet about the issue, she decided she needed to be on the opposite side of the table to make positive changes for equality in homeownership. Latonia also faced the same difficulties as Dr. Vanessa. She shares how most women, no matter their backgrounds, often struggle with imposter syndrome. We're sitting at tables and when sharing our ideas, they often get ignored. But when someone else says the same thing, it becomes a great idea. This is why Latonia and the other two ladies are in the positions they are today: to stand up for rights and be a voice for those who are often underrepresented.   Mentors, Quotes, and Books Dr. Vanessa is passionate about reading and admires women who embody strength, vulnerability, and can lead with grace under pressure. She recommends Michelle Obama's book, "Becoming," and enjoys the quote, "Becoming is not about arriving somewhere or achieving a certain need, it's about the journey of continuous growth." Dr. Vanessa shares how the quote reflects that the process of growth is ongoing and contributes to one's identity. Latonia shares how she admires the CEO of TIAA, Thasunda Brown Duckett. She believes that Thasunda simplifies what it means to be a leader in the financial space while maintaining her authentic self. She's not afraid to share her journey with others and to help lift them up. Latonia's favorite quote from Thasunda is, "I rock my title, I own my character. My title belongs to my employer, my character is Thasunda Brown Duckett's ownable asset." Her favorite book is by Don Miguel Ruiz, "The Four Agreements," because it deeply resonates with her leadership style. Rosario doesn't have one person of admiration; instead, she celebrates every single person who is fighting and achieving their goals.   When you help another woman rise, we all shine. And that's how we make an impact. So, let's build each other up and shine brighter than the sun. For more great content from Teresa, connect with her on LinkedIn, join her Women Who Lead Series on Facebook, and subscribe to her YouTube channel. You can find more episodes of Women Who Lead on Spotify, Apple Podcasts, and anywhere else podcasts can be found.   This episode is brought to you in part by Venus et Fleur. Are you looking for a great way to show appreciation to family, friends, or even customers? Give them a floral arrangement they won't forget anytime soon. These beautiful arrangements make the perfect closing gift for any realtor to stay top of mind. Visit venusetfleur.com and use code “hsoa20” when ordering for 20% off.

In a landmark episode recorded live on stage at the 2025 TIAA Cyber Summit in Charlotte, North Carolina, The Protectors Podcast took center stage before a massive crowd of fraud fighters, cyber experts, financial crime investigators, and law enforcement professionals. Hosts Mike and Mark were joined by a recently retired law enforcement veteran, who delivered a compelling message that echoed across the room: Educate yourself, Engage others, and Empower them with the tools to stay protected and spread awareness.This live episode marked a bold new format for the show—and a timely reminder of why the fight against fraud is more about people than it is about procedures.The Protectors Podcast - From Victim to Voice to Vigilance.TIAA Website: https://www.tiaa.org/public?tc_mcid=bn_yextglocal_0618________________________________IAFCI CONTACT INFO:IAFCI Website: https://iafci.org/Phone: 916-939-5000Advertising Opportunities and Guest Appearance: IAFCIProtectorspodcast@gmail.com

Sastry Durvasula, TIAA's Chief Operating, Information & Digital Officer, joins host Maryfran Johnson for this CIO Leadership Live interview. They discuss how GenAI and agentic AI "are changing everything," applying a "resilient mindset" to unstable market dynamics, why IT leaders need more stamina than style  and more. Find all the recent episodes with host Maryfran Johnson on Apple Podcasts, Spotify and YouTube Music.

CEF Insights welcomes back Nuveen Head of Senior Loans Scott Caraher for new insights into senior loans, which continue to offer many potential benefits in today's evolving market. Gain updates on the senior loan market environment and outlook, Nuveen's strategy for income and more.   Nuveen, the investment manager of TIAA, offers a variety of investment solutions including closed-end funds. One of two senior loan-focused closed-end funds, the Nuveen Credit Strategies Income Fund (JQC) seeks high current income with a secondary objective of total return.

This week we're joined by Paul Stephenson Director, Learning - Client Relationships at TIAA to discuss his approach to learning and development. The secret is.... people. We cover everything from human connection, to AI, and cohort-based training. Hope you enjoy!

Benjamin Franklin once wrote that “nothing can be said to be certain, except death and taxes.” And with tax season's arrival, being certain about what you owe and planning ahead will save you both frustration and funds. In this episode, we discuss all things taxes with Brian Walsh, a.k.a. “Dr. Money,” Head of Advice and Planning at SoFi. Brian talks about tips for preparing for tax season, how to be strategic with taxes surrounding investments, as well as how best to balance short and long-term goal planning to optimize your financial well being. Brian Walsh is a Certified Financial Planner, and holds a PhD from the Personal Financial Planning program at Kansas State University. Prior to joining SoFi, he worked for a number of years in senior roles in financial planning at TIAA. For more, read Liz's column every Thursday at On The Money by SoFi, sign up for the On The Money newsletter, and follow Liz @LizThomasStrat. Notable mentions in the episode: 00:00 Introduction 01:26 Emotions around tax planning 02:55 Why you should care about taxes 04:58 Advice for preparing for tax season 08:35 Underrated tax preparation tips 10:20 Deciding to use an accountant 15:41 Roth IRA vs. Traditional IRA 19:17 Being strategic with capital gains and losses 25:54 Financial planning philosophy 28:33 Budgeting 30:20 Sticking to a savings plan 33:16 Balancing short-term and long-term goals 42:11 Closing Thoughts Additional resources: On The Money: Sign up for SoFi's newsletter for intel, insights, and inspo to help you get your money right. Investing 101 Center: At SoFi, we believe investing is for everyone — which is why we've created a hub with info for beginners and experts alike. Start exploring to get investment education, advice, resources, and more. Wealth Investing Guide: Information you need to know to make your money work harder for you. This podcast should be used for informational purposes only and not deemed as a recommendation. Our Automated investing is via SoFi Wealth LLC, and is a registered investment advisor. Our Active investing is via SoFi securities LLC, member FINRA/SIPC. For additional disclosures related to the SoFi Invest® platforms, please visit www. SoFi.com/Legal. ©2025 Social Finance, Inc. All Rights Reserved.

Watch this interview on YouTube Full transcript — "As marketers, we can't just respond to the bottom line," says TIAA CMO Micky Onvural. "We can't just say, 'Well give me a million dollars and I will give you this many customers or this many clicks, and if I do the right kind of mathematics, I'll give you this kind of lifetime value that's going to deliver you this to the bottom line.' I think you actually have to connect further upstream with the CFO." Today on Building Better CMOs, Micky explains what connecting further upstream looks like in practice, the retirement crisis in America, and the importance of vulnerability, humility, and curiosity in leadership. She and MMA Global CEO Greg Stuart also discuss the importance of customer experience, Micky's years as the CEO of Bonobos, and how returning to the CMO role compares. Follow Building Better CMOs in your podcast app Rate & review the podcast Links: Micky's LinkedIn Greg's LinkedIn This episode was produced and edited by Eric Johnson from LightningPod.fm. Note: "Retirement check" refers to the annuity income received in retirement. Guarantees of fixed monthly payments are only associated with TIAA's fixed annuities. Learn more about your ad choices. Visit megaphone.fm/adchoices

TIAA CEO Thasunda Brown Duckett speaks with Bloomberg's David Gura at the Bloomberg Invest Conference in New York City. Duckett discusses retirement, annuities, inflation, investing and more.See omnystudio.com/listener for privacy information.

In this episode of Future Finance, host Glenn Hopper talks about the intersection of AI, data analytics, and finance with guest Tom Hinkle. Tom is a Microsoft MVP and analytics expert who shares his unique knowledge about AI's impact on Excel, data science, and workforce analytics. He also discusses his Minesweeper project in Excel and the changing role of finance professionals in an AI-driven world.Tom Hinkle is a Microsoft MVP with 20+ years of experience in analytics, data science, and business intelligence. Based in Charlotte, North Carolina, Tom has worked with major financial institutions, including Bank of America, Wells Fargo, and TIAA. He is known for his problem-solving mindset, technical expertise, and ability to bridge the gap between business and technology.In this episode, you will discover:How AI is revolutionizing Excel and what that means for finance professionals.The role of AI in data cleansing and automation, making finance and analytics work more efficient.Why the best coders may not be the most valuable team members in the future of finance.Insights on Copilot in Microsoft 365 and how it's changing financial modeling and reporting.The story behind Tom's Excel Minesweeper project—how he built a game in VBA using AI.As AI continues to automate repetitive tasks, finance professionals must adapt, refine their analytical skills, and focus on storytelling to translate data into meaningful information. Tom's journey highlights how embracing new technologies like Microsoft Copilot can enhance productivity rather than replace human expertise.Follow Tom:LinkedIn - https://www.linkedin.com/in/tomhinkleclt/Website - https://excel-cafe.teachable.com/Minesweeper Game - https://www.thefpandaguy.com/new-page-3Join hosts Glenn and Paul as they unravel the complexities of AI in finance:Follow Glenn:LinkedIn: https://www.linkedin.com/in/gbhopperiiiFollow Paul:LinkedIn: https://www.linkedin.com/in/thefpandaguyFollow QFlow.AI:Website - https://bit.ly/4i1EkjgFuture Finance is sponsored by QFlow.ai, the strategic finance platform solving the toughest part of planning and analysis: B2B revenue. Align sales, marketing, and finance, speed up decision-making, and lock in accountability with QFlow.ai. Stay tuned for a deeper understanding of how AI is shaping the future of finance and what it means for businesses and individuals alike.In Today's Episode:[01:46] - Introduction to the Episode[03:36] - Meet Tom Hinkle[06:07] - The Future of AI in Finance[11:53] - AI's Impact on Excel and Financial Modeling[15:31] - The Skills Professionals Need in an AI-Driven World[24:02] - Building Minesweeper in Excel with AI[29:51] - Exploring Microsoft Copilot & AI Coding Assistants[33:07] - The Importance of Storytelling in Data Analytics[36:54] - Fun Segment & Tom's Personal Quirk[40:53] - Closing Thoughts

Meet Ned Carroll, who is taking the latest technology to the banking industry. He is responsible for overseeing all aspects of PNC's data strategy that includes PNCs efforts to promote intelligent automation and artificial intelligence throughout their nationwide organization. He shares his views on what he thinks the future will look like for innovation and includes his assessment of AI, machine learning and the future of brick and mortar bank braches. Ned has over 30 years of experience in the financial services industry with a focus on data, analytics and risk management. Before joining PNC, he held high level roles at Azimuth, TIAA and Bank of America. To learn more about PNC Bank, visit https://www.pnc.com To learn more about HSC Next, visit https://www.hscnext.com

Invesco's Kristina Hooper and Hennion & Walsh's Kevin Mahn join to discuss the market. TIAA's Neel Mukherjee breaks down the U.S. vs. global investing landscape — and why he still prefers the U.S.  Taylor Morrison CEO Sheryl Palmer weighs in on homebuilders and the recent spate of weak data. Plus, Hamilton Lane Co-CEO Erik Hirsch on private markets and IPOs. Earnings from Zoom, Diamondback Energy and Cleveland-Cliffs. 

As the only liquid fixed income investment with no duration, U.S. senior floating rate loans offer unique protection against interest rate volatility along with high yield, making them a valuable diversifier in income-focused portfolios. Dive deeper into the benefits of senior loans and Nuveen's strategy and outlook with Nuveen Head of Senior Loans Scott Caraher.     Nuveen, the investment manager of TIAA, offers a comprehensive range of outcome-focused investment solutions including the Nuveen Floating Rate Income Fund (JFR).

In this episode of Gimme Some Truth, we explore essential retirement planning strategies specifically designed for employees of the University of Wisconsin (UW) System and the State of Wisconsin. Discover how to maximize your 403(b) and 457(b) plans, understand the benefits of the state pension system, and make the most of your investment options with providers like TIAA and Fidelity. Check out our blog for additional insights: Our Guide to the UW System Supplemental Retirement Program - https://walknercondon.com/blog/our-guidance-on-the-uw-system-supplemental-retirement-program/ We break down: * Key Differences Between 403(b) and 457(b) Plans: Learn which plan fits your retirement goals, including tax benefits and early withdrawal options. * Maximizing Contributions: Find out how UW and state employees can contribute to multiple retirement accounts, potentially doubling tax-advantaged savings for households. * Investment Choices with TIAA and Fidelity: Explore the advantages of these standardized plans, including low-cost options and diversified portfolios. * Catch-Up Provisions and Early Access: Understand how catch-up contributions and penalty-free withdrawals in 457(b) plans can benefit high-income earners and those nearing retirement. Whether you're early in your career, nearing retirement, or managing dual incomes in a household, this guide will help you understand your retirement planning options. Make the most of the powerful benefits available to UW System and State of Wisconsin employees to secure a financially stable future. Watch now to start planning for a better retirement! #RetirementPlanning #WisconsinEmployees #UWSystem #StateOfWisconsin #403b #457b #TIAA #Fidelity #FinancialPlanning #TaxBenefits

The 1895 Horseless Carriage Contest sponsored by the Chicago Times-Herald (aka "first" auto-race in America) - a peek into the WHAT, WHY. WHEN. WHERE, WHO beyond the auto history lore of a Duryea victory on a cold and snowy, Thanksgiving Day in Chicago. David Schmidt is a Director at the Society of Automotive Historians (SAH) as well as Panel Chair for the SAH Bradley Award. He is also a member of the Porsche Club of America and Fuelfed, a private club for enthusiasts of European cars. Born in Detroit, his father and grandfather both worked for GM at Fisher Body. Being a product of a certain generation he experienced the muscle car era first hand cruising the famed Woodward Avenue in the late 1960's. David received a BA from Michigan State University, MA and PhD from Indiana University and after a career in financial services retired from TIAA. As an auto enthusiast, he can be seen driving about town in a 1967 Volvo Amazon or 1989 Porsche Carrera. The importance of this event is perhaps best captured that same year by Peter Studebaker of the eponymous wagon maker who, with prescience, commended the sponsoring newspaper “... for transferring the manufacture of the motocycle (a term applied to the horseless carriage after a naming contest) concentrating the inventive faculties of the nation on this [horseless carriage] new departure.” ===== (Oo---x---oO) ===== 00:00 Introduction and Sponsors 00:16 The 1895 Horseless Carriage Contest Overview 00:37 Presenter Background: David Schmidt 01:21 Significance of the 1895 Race 02:53 Race Day Preparations and Challenges 07:10 The Thanksgiving Day Race 08:44 Post-Race Analysis and Awards 10:07 Impact and Legacy of the 1895 Race 10:43 Why the 1895 Race Was Held 11:29 The Role of the Chicago Times Herald 14:56 Rescheduling and Final Preparations 16:08 The Birth of American Auto Racing 16:28 Why Chicago? 18:18 The Bicycle Craze and Its Influence 19:44 Chicago: The Transportation Hub 20:30 Unsung Heroes of the Horseless Carriage 21:18 The Tragic Tale of Hieronymus Muller 22:06 Charles B. King: A Prodigious Inventor 23:36 The Electrobat: An Electric Pioneer 24:56 The Battle of Electric vs. Gasoline 26:23 Steinway's Automotive Adventure 27:34 Conclusion and Acknowledgements ==================== The Motoring Podcast Network : Years of racing, wrenching and Motorsports experience brings together a top notch collection of knowledge, stories and information. #everyonehasastory #gtmbreakfix - motoringpodcast.net More Information: https://www.motoringpodcast.net/ Become a VIP at: https://www.patreon.com/ Online Magazine: https://www.gtmotorsports.org/ This episode is part of our HISTORY OF MOTORSPORTS SERIES and is sponsored in part by: The International Motor Racing Research Center (IMRRC), The Society of Automotive Historians (SAH), The Watkins Glen Area Chamber of Commerce, and the Argetsinger Family - and was recorded in front of a live studio audience.

Watch TIAA CEO Thasunda Brown Duckett speak about 401(k) plans, Social Security, pensions, the economy, inflation, and more.

Welcome back to the Alt Goes Mainstream podcast.Today's episode is with someone who has experienced the growth and evolution of the credit space from different vantage points.We welcome Alona Gornick, a Managing Director, Senior Investment Strategist, and Co-Head of the Chicago Office for Churchill Asset Management, a firm with $50B committed capital that is a provider of financing solutions to middle market private equity firms and their portfolio companies. Churchill is an investment-specialist affiliate of Nuveen, the asset manager of TIAA.Alona provides investment insights across the private capital spectrum to the investment community – and has a particular focus on working with the Private Wealth and Retail channels. She works closely with Nuveen's global distribution team to deepen relationships with and educate Churchill's investors and partners.Alona leverages her experience in capital markets, investor relations, and credit investing from working at the likes of Nuveen, Golden Gate Capital, and Oaktree Capital Management.Alona and I had a fascinating conversation. We discussed:The evolution of credit investing.The opportunities and risks in private credit. Are we in a private credit bubble?Why the product specialist role is critical for working with the wealth channel.The power of scale, particularly in private credit, and how it helps alternative asset managers win deals and invest.The strategic benefit of platforms and permanent capital.Thanks Alona for coming on the show to share your views and wisdom on private markets. We hope you enjoy.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.Show Notes00:00 Introduction to Ultimus Fund Solutions01:18 Welcome to the Podcast02:00 Guest Introduction: Alona Gornick03:45 Alona's Career Path and Experience06:59 Growth of Middle Market Direct Lending07:41 Changes in the Credit Landscape10:21 The Importance of Size and Scale in Private Credit13:27 Deal Structuring and Market Evolution14:46 Impact of High Rate Environment16:06 Private Credit Returns and Underwriting20:53 Investor Questions and Market Insights21:24 Educating Investors on Private Credit23:43 Private Credit in Wealth Portfolios24:09 Diversification Benefits of Private Credit24:24 Yield Premium in Private Credit26:40 Private Credit vs. Private Equity27:06 Exploring Private Equity and Private Debt27:24 Transitioning from Public to Private Credit27:49 The Role of a Product Specialist28:09 Balancing Risks and Benefits28:49 Relating to Advisors with Real Examples29:40 The Importance of Education in Allocation30:25 Diverse Viewpoints on Alternative Asset Managers31:48 Challenges in Access to Capital33:26 The Significance of Hiring Quality People34:12 Non-Traditional Backgrounds in Specialist Roles36:29 Patience and Commitment in Educating Investors39:13 The Hardest Part of Educating the Wealth Channel40:47 The Role of Structure in Education44:21 Concerns About the Future of Private Credit47:00 The Growth Potential of Private Credit49:38 The Most Interesting Alternative Investment50:15 The Opportunity in Private Equity Secondaries52:47 Private Credit Secondaries: A Nascent Space54:17 Primary and Secondary Considerations in Credit54:34 Conclusion and Final Thoughts

Welcome to another episode of Press 1 For Nick! We have the pleasure of having Jessica Austin Barker, the Chief Digital and Client Experience Officer at TIAA, a century-old financial services company dedicated to helping individuals in nonprofit sectors secure a stable retirement. Jessica leads TIAA's digital transformation, focusing on client-first experiences in retirement planning. Join us as she discusses turning "mission obsession" into "customer obsession," the importance of micro-behaviors in achieving financial goals, and the innovative ways TIAA is bridging client experience and technology gaps. We'll explore their unique "mission metric" for service success, the integration of digital and human advice, and how AI is being cautiously implemented to enhance client outcomes.Jessica also highlights the emotional connections driving client-centric behavior, the significance of financial education, and how a culture of experimentation fosters growth even in the risk-averse world of financial services. Get ready for an insightful conversation on transforming retirement planning and how TIAA's mission-driven approach is setting a new standard in the industry. Let's dive in!  BROUGHT TO YOU BY: VDS is a client-first consulting firm focused on strategy, business outcomes, and technology. They provide holistic consulting services to optimize your customer contact center, inspiring and designing transformational change to modernize and prepare your business for the future. Learn more: https://www.govds.com/  SPONSORING OPPORTUNITIES: Interested in partnering with the Press 1 For Nick podcast? Click here: https://press1fornick.com/lets-talk/

Anne Ollen, Managing Director at the TIAA Institute, a think-tank within TIAA, develops and executes the TIAA Institute's higher education program. In conversation with NACUBO's vice president for policy and research, Liz Clark, Anne shares highlights from a recent TIAA Institute research initiative to deepen understanding of potential and current employees' job choices and what people expect to gain in return for the work they do at colleges and universities. She describes a tool institutional leaders can consider—an employee value proposition (EVP)—to convey the benefits of working in higher education. Anne shares insights on the tangible and intangible benefits of an EVP. Additional Resources Explore the research from the TIAA Institute Learn more about Anne Ollen Connect with Anne on LinkedIn Connect with Liz on LinkedIn

In this episode, we're joined by Eric Goldstein, Chief Strategy Officer at TIAA, to explore the challenges and opportunities of setting up and operating a strategy office. With over six years at TIAA and an impressive background in investment banking at JP Morgan and management consulting at McKinsey, Eric brings a wealth of experience to the table. We dive into Eric's journey of centralizing the strategy office at TIAA, the importance of aligning strategy with business goals, and how he navigates the complexities of managing a large, mission-driven financial services organization. We'll also discuss the role of the strategy office in fostering cross-functional collaboration, setting organizational KPIs, and striking the right balance between strategy development and execution. Key questions and topics we tackle include: A breakdown of the TIAA strategy office responsibilities How to decide whether to centralize or decentralize the strategy office Keys to building a high-performing strategy team A CSOs role in setting KPIs, metrics, and measurements in the organization How to build and maintain strong relationships with key stakeholders Eric's top 3 recommendations for new strategy officers to drive success Join us for an in-depth conversation with Eric Goldstein as we uncover the secrets behind building and operating a successful strategy office.   Learn more about Outthinker's community of chief strategy officers - https://outthinkernetwork.com/ Follow us on LinkedIn - https://www.linkedin.com/company/outthinker-networks

In this episode of the Modern Customer Podcast, Jessica Austin, the Chief Digital and Client Experience Officer for TIAA, shares her insights on customer experience innovations, the integration of AI in financial services while maintaining customer trust, the challenges of serving an aging population digitally, and training contact center agents for empathetic engagement. Jessica shares her experiences and strategies for measuring customer interactions using metrics like the customer effort score, and discusses her personal approaches to leadership and daily routines. Blake Morgan is a customer experience futurist, keynote speaker, and author of three books on customer experience. Her new book is called The 8 Laws of Customer-Focused Leadership: The New Rules for Building A Business Around Today's Customer.

I have Fidelity 401(a) and 403(b) plans, some smaller retirement savings in a TIAA account, and a small pension from a prior employer. What recommendations do you have to manage, or consolidate, these accounts? Have a money question? Email us here Subscribe to Jill on Money LIVE YouTube: @jillonmoney Instagram: @jillonmoney Twitter: @jillonmoney "Jill on Money" theme music is by Joel Goodman, www.joelgoodman.com. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Brendan is the Head of Retirement Investing for Nuveen where he is responsible for the firm's DCIO efforts in the U.S. In this role, he leads strategy and distribution for Nuveen investment and TIAA lifetime income solutions in the 401(k), 403(b), and 457(b) marketplaces. He joined the organization in 2015.Brendan has more than two decades of retirement leadership experience in the financial services industry. A frequent speaker at industry conferences, he has been quoted in a number of publications such as the Financial Times, Investment News, and Plan Sponsor magazine, and was recently named #35 on the 2022 “401kWire 100 Most Influential People” list. Prior to joining TIAA, he was Chief Operating Officer of F-Squared Retirement Solutions, a subsidiary of F-Squared Investments. Previously, he was a Senior Vice President at Putnam Investments responsible for Defined Contribution Investment Only Business Development. In addition, he held other leadership roles at Putnam Investments including 401(k) product development, DCIO relationship management, and institutional trust services.Brendan graduated with a B.S. in Business Administration from St. Joseph's College and an M.B.A. from the Carroll School of Management at Boston College.In this episode, Eric and Brendan McCarthy discuss:Transforming retirement outcomesProviding guaranteed income Utilizing target date funds Acting on innovative solutions Key Takeaways:Plan sponsors/advisors can transform retirement outcomes for participants by offering retirement income solutions like annuities within 401(k) plans, providing guaranteed lifetime income. Annuities shift longevity risk from employees to insurance providers, ensuring participants don't run out of income in retirement.Employers can offer annuity options in 401(k) plans to provide pension-like guaranteed income without offering traditional pensions. Seek guidance from retirement plan consultants, product manufacturers, and record keepers when considering retirement income solutions. Industry trade groups offer certification programs to enhance advisors' knowledge of retirement income. Target date funds with embedded annuities gradually shift to guaranteed income as participants approach retirement.Record keepers face complexities in complying with legislation like SECURE 2.0 but are working to implement retirement income solutions. Young advisors should act now on innovative solutions to help employees build retirement savings.“Our belief is that simple, low cost, and portable will win that. For anything to be successful in a 401k plan today, it needs to be simple, low cost, and portable.” - Brendan McCarthyConnect with Brendan McCarthy:Website: https://www.nuveen.com/global/ LinkedIn: https://www.linkedin.com/in/brendan-mccarthy-4616ab8/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information contained herein is general in nature and is provided solely for educational and informational purposes.It is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, financial advice, or legal advice.The specific facts and circumstances of all qualified plans can vary and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

You've saved up your downpayment and found the perfect house to buy. But have you considered closing costs?They're really the first big expense you'll have with home ownership. Which can you negotiate, and which are set in stone?The Hidden Costs of Homebuying: What You Need to Know About Closing CostsBuying a home is an exciting milestone, but amidst the thrill of owning your first house, it's easy to overlook the long list of closing costs that come with it. Many people think that because these costs are often rolled into the mortgage, they don't need to worry about them. However, understanding and negotiating these costs can save you a significant amount of money in the long run.For a typical mortgage, closing costs usually range between 3% to 6% of the mortgage amount. Let's break it down with an example. Suppose you borrow $250,000 at 6.5% interest on a 30-year loan. Your monthly payment would be around $1,580. If your closing costs are on the higher end—say $15,000—and you roll them into your mortgage, you're now borrowing $265,000 instead of $250,000. This increases your monthly payment by $95, leading to an additional cost of over $34,000 over the life of the loan.In short, closing costs matter. Being aware of them and negotiating where possible is crucial.Negotiable Closing CostsSome closing costs come with wiggle room, meaning you can negotiate them down. Here are a few:Homeowners Insurance: Your lender requires this, but you can shop around for the best rates. Don't assume the insurer suggested by your lender or agent is the best option.Origination Fee: This fee typically covers the cost of underwriting the loan and is usually about 1% of the loan amount. Always ask to have it waived or lowered; you might not succeed, but asking costs nothing.Underwriting Fee: Some lenders charge this fee in addition to or instead of the origination fee. Again, you can negotiate this.Loan Application Fee: This one-time fee for processing your loan can also be a candidate for negotiation, especially if you're already paying an origination or underwriting fee.Real Estate Commissions: Traditionally, sellers have paid the commissions for both the seller's and buyer's agents. However, recent changes in the real estate industry mean buyers may now be asked to contribute. It's another area to negotiate.Title Insurance: You'll need to buy lender's title insurance, which only protects the lender. You can shop around for better rates and suggest a different insurer to your lender. Don't forget to purchase owner's title insurance to protect your ownership.Non-Negotiable Closing CostsWhile some closing costs can be negotiated, others are fixed. These include the appraisal fee, credit check fee, government fees (such as title transfers or recording costs), and property taxes. You should be prepared to pay these costs without expecting any leeway.The Importance of Integrity in Your Mortgage CompanyWith so much money on the line, it's essential to work with a mortgage company that operates with transparency and integrity. Movement Mortgage is a Christian mortgage company founded during the 2008 housing crisis. Its mission is to help homebuyers while glorifying God by positively impacting communities within the U.S. and abroad.Movement Mortgage offers competitive rates and the opportunity to be part of a global movement of change. The company has donated $377 million to community projects both locally and internationally. With locations in all 50 states, Movement Mortgage is a lender you can trust to guide you through the home-buying process with integrity.For more information, you can visit FaithFi.com/Movement.On Today's Program, Rob Answers Listener Questions:Are permanent endowments biblical in a Christian context? I'm thinking of a Christian university, nonprofit, or other Christian organization with a permanent endowment where the original gift can never be touched and only the income can be used. What are your thoughts on the biblical perspective of this?I had a TIAA account that my husband took out as an adjunct professor at the local community college. It's just a small amount, and because I'm 76, I've been required to take a certain amount out each year. I want to give this to my son so those amounts can stay there and start accruing interest. Can I do that?I'm trying to mitigate the taxes on the sale of a rental house. Can I use the proceeds to satisfy my required minimum distribution (RMD), or does the RMD have to come from an IRA? Also, my husband has had a whole life insurance policy since he was 20. Is there ever a time when whole life insurance is beneficial?Resources Mentioned:Movement MortgageWill We Be Rewarded for Leaving Money to Christian Ministries in Our Wills? (Article by Randy Alcorn)Rich Toward God: A Study on the Parable of the Rich FoolFind a Certified Kingdom Advisor (CKA) or Certified Christian Financial Counselor (CertCFC)FaithFi App Remember, you can call in to ask your questions most days at (800) 525-7000. Faith & Finance is also available on the Moody Radio Network and American Family Radio. Visit our website at FaithFi.com where you can join the FaithFi Community and give as we expand our outreach.

This week on our rapid fire Q&A, TIAA CEO Thasunda Brown Duckett explains why she thinks “work-life balance is a lie,” and how she instead frames her life like a diversified portfolio — recalibrating when necessary to outperform over time. She also talks about how practicing gratitude helps her stay productive and the importance of being open to feedback and inspiration from all different sources. Have questions you want to hear on This is Quick? Share a post or comment on LinkedIn using the hashtag #ThisisWorking. Follow Thasunda Brown Duckett, TIAA, Dan Roth and LinkedIn News on LinkedIn, and subscribe to the newsletter here.

As the CEO of TIAA, Thasunda Brown Duckett makes a point of showing the human impact of the investment advisory firm's work. On the latest This is Working, Duckett talks to LinkedIn's Editor in Chief Dan Roth about the creative leadership methods she employs to foster genuine feedback and motivate her workforce to share her mission to fix America's $4 trillion dollar retirement savings gap. Duckett also offers her best advice for honing management skills and overcoming career challenges. Share your thoughts via email at ThisisWorking@linkedin.com, or join the conversation directly on LinkedIn using the hashtag #ThisisWorking. Follow Thasunda Brown Duckett, TIAA, Dan Roth and LinkedIn News on LinkedIn, and subscribe to the newsletter here.

On this episode, Sastry Durvasula, the Chief Information and Client Services Officer at TIAA, discusses how TIAA uses technology, including AI, to improve the retirement experience for its customers. He also digs into the challenges of integrating new sources of data and the need for companies to reimagine their approach to technology and innovation.Tune in to learn:How to use technology to improve retirement educationWhat AI looks like in actionWhy TIAA is changing mindsets with RetireTechThe importance of democratizing access to AIThe Changing Role of Data ScientistsHow to build on integrated platformsHow to navigate the challenges of legacy systems--Imagine a world where your data flows like electricity—unseen, yet powering everything you do. A world where high availability, low latency, and disaster recovery are not just expectations but realities. Welcome to the future, powered by Zayo's network.In a world that never stops, Zayo is the network underneath it all, helping the most innovative and forward-thinking companies grow. Because Zayo doesn't just connect places, they connect possibilities. Zayo connects what's next for you.Discover the power of Zayo's network today. Visit https://go.zayo.com/network/itvisionaries Mission.org is a media studio producing content for world-class clients. Learn more at mission.org.

In our latest episode, we sit down with Melora Zaner, the Chief Design Officer at TIAA, who integrates her punk rock roots with a strategic design vision to lead transformative change. Starting her journey as a songwriter and lead singer in a punk band, Melora learned the power of creating meaningful connections through art, storytelling, and design. This foundation has shaped her professional ethos of being “firm in intention but flexible in form”, guiding her through diverse roles in her career. In her current position, Melora emphasizes the importance of inclusive leadership, aiming to bring others along in her journey. She reflects on her experiences, from the early days of designing at Microsoft to living and working in China, highlighting her role in pioneering meaningful. Melora believes in fostering a design-led culture that inspires and empowers clients and customers, focusing on creating environments where people can build history and memories together. Through her work, Melora continues to champion the idea that technology evolves, but the meaningful experiences it enables can have a lasting impact. Tune in and connect with your inner punk rocker. Original music by ⁠⁠⁠⁠⁠⁠Lynz Floren⁠⁠⁠⁠⁠⁠.

Steve Csobaji has been in the Pension and Retirement Plan industry since 2000. He holds a B.A. from Denison University, a master's degree in management from Marymount University, and a Certificate in Financial Planning from Georgetown University. His career includes roles at T. Rowe Price, PNC Bank, Charles Schwab Retirement Plan Services, TIAA, and the National Rural Electric Cooperative Association, where he managed various Employer Benefit Plans. Steve has advised clients at all levels, from C-Suite to rank-and-file employees. Currently, Steve manages Quest's Dallas office and works on the sales team, specializing in Self-Directed IRAs and tax-advantaged accounts like Roth IRAs, SEP IRAs, Solo 401(k)s, and Health Savings Accounts. He is a frequent speaker at industry conferences nationwide. His clients invest in a range of private assets, including real estate, private entities, and promissory notes. Steve recently earned the Certified IRA Services Professional title from the American Bankers Association. To get in touch with Steve, reach out to him on this toll-free number: 855-FUN-IRAS Keeping it Real Estate is brought to you by Granite Towers Equity Group, helping investors create passive income through multifamily real estate. To get in touch with the founders of Granite Towers, Mike Roeder and Dan Brisse, visit https://www.granitetowersequitygroup.com/contact

I sat down with Melora Zaner, the Chief Design Officer at TIAA, to discuss the often-overlooked value of incremental innovation and the transformative power of design in addressing pressing societal challenges like retirement.  Our conversation starts with an urgent issue that many are facing—the retirement crisis in America. We discuss the alarming statistics indicating that 40% of Americans are on track to run out of money in their retirement years. Melora offers an intriguing alternative by asking, "What if we shift our thinking from 'retirement planning' to 'longevity planning'?" This approach puts the focus on sustained income, healthcare provisions, and overall quality of life, rather than just a lump sum that may or may not last a lifetime. Innovation doesn't have to be grandiose to be impactful, as Melora eloquently points out. The episode delves into the concept of 'breadcrumbing,' a term Melora uses to describe the art of celebrating small, incremental changes that lead toward a significant shift. These small steps, often overlooked in the constant quest for disruptive change, can offer customers stepping stones, helping them see a future where their needs and concerns are addressed. We also discuss the importance of storytelling in the journey of innovation. How do you narrate a story that balances the celebration of small victories with the drive toward grand visions? The idea is to offer manageable steps, or breadcrumbs, to make the journey less daunting and more rewarding for both customers and organizations. These incremental changes shouldn't be underestimated; they often result in exponential gains over time, especially when they address specific customer pain points. Finally, Melora shares insights into getting internal stakeholders on board with innovation. She emphasizes that incremental wins can build confidence internally and set the stage for bigger, more disruptive changes in the long run. Tune into this episode of Innovation Storytellers Show to explore the power of incremental innovation and design-led thinking in transforming how we approach complex challenges, from the retirement crisis to customer engagement and internal alignment. Because sometimes, the biggest changes start with the smallest steps. Don't miss this enlightening discussion, full of actionable insights and thought-provoking concepts that challenge the status quo.

Welcome to Counsel Brew! We don't normally start with the triple SSS segment when describing a new episode, but Caren's will leave you speechless. Resist the urge to skip to the end!Caren is the voice for those who can't find their own or aren't given the opportunity to have one. As a little girl, she defied all the constraints placed on young Asian girls and found her voice early in life, always pushing the boundaries. When Mrs. Wong told young Caren she should become a lawyer, intending it as an insult, Caren agreed it was the path she should follow and never looked back.Caren is the Regional VP and Associate General Counsel at TIAA, where she's led the way in policy advocacy. She believes it's a person's moral imperative to open the door for others, to reach back and pull them up. She embodies this through her work with the Orchid Giving Circle and the Texas Women's Foundation Board. And if that isn't enough for you, she's also on the advisory board for the Dallas Mavs, the State Bar of Texas liaison to the corporate counsel section, and more. Caren has been and continues to be a seeker of justice for her parents, women and children, clients, mentees, and even those she hasn't met. Her badassery is limitless.Caren's brew, you ask? She's a fluffy latte kind of woman, and we may have convinced her to let go of her guilt about not having tried black coffee with butter. We hope you enjoy this episode!Find Caren at linkedin.com/in/caren-lock-4381215Learn more about Orchid Giving Circle at https://www.orchidgivingcircle.org/Message us at hello@counselbrew.com  Visit us at http://www.counselbrew.com or @counselbrewhttps://www.linkedin.com/company/counsel-brew/ Explicit Rating is for the occasional use of colorful language.

On this episode of The Active Advisor podcast, host Bryan Moore chats with Erold Merko, CRPC®, Senior Vice President, Wealth Management at Tenured Wealth Management. Join them as they discuss educating clients about different investment options and strategies, the four pillars of wealth management, and Erold's journey from communist Albania to managing a billion-dollar practice. Erold Merko is a Chartered Retirement Planning Counselor™ with over 15 years of experience in the financial services industry. He is a tenured financial advisor who provides comprehensive, sophisticated plans that guide clients in their pursuit of financial independence. Erold and his team understand the value of their clients' hard work and are dedicated to cultivating and preserving their wealth and legacies. Erold joined Raymond James in 2021. Previously, he was a senior wealth management advisor with the Teachers Insurance and Annuity Association (TIAA) for over nine years. At TIAA, he led a team of four investment professionals managing a portfolio of clients with over $1.2 billion in assets. Prior to joining TIAA, he was a retirement consultant with Freedom One Financial Group.

In a rapidly evolving tech landscape, securing enterprise contracts can be a game-changer for startups and tech firms alike. The journey to winning over Fortune 1000 clients requires strategic planning, tailored communication, and a deep understanding of the enterprise world. Drawing insights from venture capital experts, we explore the nuances of navigating enterprise sales and building successful relationships with top-tier clients. In this episode, we sit with Theo Williams, the founder of Third Vector and an expert in venture capital specializing in the space technology industry. Theo shares his journey from a finance background to diving into the tech world, highlighting the challenges and opportunities he encountered along the way. He delves into the importance of investing in the space technology industry and how it can drive significant global impact.   If your company is looking to scale its AI initiatives, head over to Tesoro AI (www.tesoroai.com). We are experts in AI strategy, staff augmentation, and AI product development.  Founder Bio:   Theo Williams is a seasoned professional with extensive experience in venture capital, strategic partnerships, and business development. As the Founder and Managing Partner at Third Vector, he spearheads an early-stage VC firm specializing in investments at the intersection of Space Tech and Big Data. Prior to founding Third Vector, Theo served as a Senior Portfolio Development Manager at Salesforce Ventures, where he played a key role in fortifying the enterprise ecosystem through strategic partnerships and investments. Before his tenure at Salesforce Ventures, Theo held positions in sales and investor relations at Cadre and in product development at Nuveen, a TIAA company. Throughout his career, Theo has demonstrated a commitment to driving growth and innovation in various sectors, leveraging his expertise in investment strategy and relationship management.   Theo holds a Master of Business Administration (MBA) from Rice Business - Jones Graduate School of Business, where he was recognized as a Robert Toigo Foundation Fellow. He also earned a Bachelor of Arts (BA) degree from Louisiana State University, where he demonstrated leadership as part of the Tiger Twelve Senior Recognition Class of 2012 and in various student government roles.   Time Stamps:   02:49: Theo's journey from finance to tech 06:33 Understanding alternative investments 09:08 Transitioning to tech and angel investing 14:15 The birth of a space tech VC firm 21:37 Investment focus: Space data and infrastructure 24:22 Navigating the fundraising process 26:34 Aligning with founders and managing risk 31:43 Enterprise sales strategies for founders 37:49 Building for Enterprise vs. SMB 42:22 What's coming new in 2024, and how to get in contact with the team   Resources   Email: Theo@thirdvector.ventures LinkedIn: https://www.linkedin.com/company/third-vector/ Theo's LinkedIn: https://www.linkedin.com/in/theowilliams3/

In this episode of Where Public Finance Works, join us for a captivating conversation with Barnet Sherman, a financial expert and Professor at Boston University. With over 30 years of experience managing multibillion-dollar portfolios at Morgan Stanley and TIAA, Barnet brings his knowledge and fascinating insights into the world of public finance. Host Tyler Traudt takes us through Barnet's extensive career, starting from his early days as an analyst to his significant role as a portfolio manager. Barnet reflects on the diverse projects he's been part of, highlighting not only the large-scale transactions for major cities but also the smaller, impactful projects in rural areas that have created jobs and improved community facilities. Barnet also shares his experiences in running portfolios, explaining the intricate balance between analyzing investment values and understanding the broader benefits for investors. He then takes listeners through his time at Neighborly Investments, where he worked on the cutting edge of technology and impact investing. He explains how technology, especially blockchain, is transforming the municipal bond market, offering new opportunities for accessibility and efficiency in public finance. Tune in to hear Barnet's thoughtful perspective on how public finance is evolving, the role of technology in enhancing financial processes, and his unwavering commitment to improving communities through strategic financial management. This episode is a must-listen for anyone interested in the intersection of finance, technology, and public service. Featured Guest Barnet Sherman is a financial expert with over 30 years of experience managing multibillion-dollar portfolios for prestigious firms such as Morgan Stanley and TIAA. Throughout his distinguished career on Wall Street, Barnet also founded his own hedge fund and has written extensively on the capital markets as a Senior Contributor for Forbes. Currently a Professor at Boston University, Barnet leverages his extensive industry experience to impart practical, real-world insights in his Corporate Finance, Accounting, and Multinational Finance and Trade classes for graduate students. His expert opinions on investing and capital markets have been featured in leading publications including The Wall Street Journal, Barron's, Bloomberg, The New York Times, Chronicle of Higher Education, CNBC, and Inc. Barnet also leads The Tenbar Group, a consulting firm advising public companies, private equity impact fund portfolio companies, and mission-driven startups in the healthcare, senior care, and housing sectors. His firm specializes in strategic transactions, investment banking, finance, business development, and valuations. Episode Resources Barnet's AI and the Municipal Bond Market Forbes Series Free Playbook: How Local Governments Can Prepare for the FDTA Recording: How Finance Leaders are Tackling Modernization

Join Sarah Noll Wilson and guest Kathryn Valentine as they discuss negotiation strategies tailored for women, navigating workplace biases, and fostering inclusive cultures. Through personal anecdotes and research insights, they explore empowering women to advocate for themselves and promote gender equality in professional settings. About Our Guest Kathryn Valentine is the CEO of Worthmore Strategies, where she leverages over a decade of research gendered business skills to help companies advance female talent. A top-rated speaker, her clients include multi-national organizations such as JP Morgan, KPMG and TIAA. Her work has been featured in the Harvard Business Review, the Wall Street Journal, Fast Company and Forbes; she has been invited to speak on her research at Harvard, Wharton and Kellogg business schools. Website: www.worthmorestrategies.com LinkedIn: www.linkedin.com/kval 75+ Negotiation Secrets: main-union-183.myflodesk.com/75things

Follow us on social to learn more about "A Dose of Support" from the American Association of Advertising Agencies Danny Robinson's career is a testament to outside-the-box thinking. After all, it's not common to find a chief executive officer, who was previously a chief creative officer, who was previously a chief client officer who never saw himself in any of these roles. Throughout his career, Danny has been both the tone setter for and champion of creativity, As CEO of Martin, he is responsible for the overall health, vision and growth of the agency. Danny's blend of creative and business acumen leads to a big-picture perspective that results in breakthrough ideas. He brought this approach with him in 2004 and has since helped lead the agency to back-to-back Adweek Agency of Year wins in 2020 and 2021, Ad Age's 2023 Agency of the Year, and a spot on Fast Company's Most Innovative List for 2023.Prior to becoming CEO in 2024, Danny was both the first Black chief creative officer in Martin's history and one of the few leading a non-Black-owned agency. Over the course of his three-year tenure, he oversaw work from some of the world's most beloved brands including UPS, GEICO, Walmart, TIAA, DoorDash and OREO.Remember when Oprah gave away 276 Pontiac G6s? So does Danny. He was a big part of that history-making brand integration as the chief creative officer at Vigilante, an ad agency he co-founded. While at Vigilante, Danny was the creative leader and writer behind award-winning campaigns for national brands including Sprint, Major League Baseball, Heineken and Johnnie Walker Black Label.Danny is a Hampton University grad with an MBA from Atlanta University, an accomplished artist, a pop culture aficionado, a former DJ and standup comic, and was even once voted by the Stand Up NY Comedy Club as “one of the funniest men in advertising.”

Today's guest is Dr. John Almasan, Head of AI & Emerging Technologies at TIAA. TIAA, or the Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, is a US-based insurance provider specializing in retirement services in areas like academia, research, healthcare, and government. Dr. Almasan joins Emerj CEO and Head of Research Daniel Faggella on today's podcast to discuss AI in insurance with a focus on governance, talent, and innovation. Together, they cover practical use cases in customer experience, fraud detection, and marketing throughout the episode. If you've enjoyed or benefited from some of the insights of this episode, consider leaving us a five-star review on Apple Podcasts, and let us know what you learned, found helpful, or liked most about this show!

JOSE'S BIO Jose Minaya is CEO of Nuveen, a leading global asset management firm with more than $1 trillion under management. He chairs Nuveen's Executive Committee, is a member of parent company TIAA's Executive Committee, and serves as the executive sponsor of the Inclusion and Diversity initiative for TIAA. He previously served as President and CIO of Nuveen and  joined TIAA in 2004 after more than 29 years of investment experience at firms including AIG, Merrill Lynch and JP Morgan. Minaya is on the board of Trustees of Manhattan College, where he earned a bachelor's in finance, and the board of advisors of the Amos Tuck School of Business MBA Council at Dartmouth, where he earned an MBA. In addition to those, he serves on the boards of multiple companies and charitable organizations, including Moody's, the National Forest Foundation, the Investment Company Institute, the Investment Committee of the Board of Regents of the Smithsonian Institution, and as chair of the Governing Board of Directors of the Robert Toigo Foundation. JOSE RELATED LINKS Nuveen Dartmouth Alumni Stories In 90 Seconds on HHM On hedging inflation - CNBC  GENERAL INFO| TOP OF THE GAME: Official website: https://topofthegame-thepod.com/ RSS Feed: https://feed.podbean.com/topofthegame-thepod/feed.xml Hosting service show website: https://topofthegame-thepod.podbean.com/ Javier's LinkTree: https://linktr.ee/javiersaade & Bio: https://tinyurl.com/36ufz6cs  SUPPORT & CONNECT: LinkedIn: https://www.linkedin.com/showcase/96934564 Facebook: https://www.facebook.com/profile.php?id=61551086203755 Twitter: https://twitter.com/TOPOFGAMEpod Subscribe on Podbean: https://www.podbean.com/site/podcatcher/index/blog/vLKLE1SKjf6G Email us: info@topofthegame-thepod.com   THANK YOU FOR LISTENING – AVAILABLE ON ALL MAJOR PLATFORMS  

Download “How To Find Ultra High Net Worth Clients" from https://financialadvisorsworkshop.com/  Greg Shepard (https://www.safinancialservices.com/) is an independent, fee-only financial advisor at S&A Financial Services that specializes in simplifying TIAA accounts mainly for those in higher education and doctors. His practice has excelled at providing logical and simple game plans geared for those transitioning into retirement with TIAA accounts.  In this episode, Brian and Greg discuss: 1. Leveraging YouTube for Advisor Growth 2. Unlocking the Secrets of TIAA Traditional 3. Digital Marketing for Financial Advisors 4. Talking To Clients in the Academia LinkedIn: https://www.linkedin.com/in/gregshepardsafinancial/ Website: https://www.safinancialservices.com/     Facebook: https://www.facebook.com/1SAFinancialServices YouTube: https://www.youtube.com/@TIAAIndependentStrategies4534 Podcast: https://www.safinancialservices.com/highered-retire-podcast Apple Podcast: https://podcasts.apple.com/ru/podcast/tiaa-strategies-with-independent-expert/id1482803148?l=uk?l=uk To see short videos of all our best FA Business Growing tips follow us on:  Instagram: https://www.instagram.com/FinancialAdvisorsWorkshop   TikTok: https://www.tiktok.com/@faworkshop   YouTube: https://www.youtube.com/@financialadvisorsworkshop  Facebook: https://www.facebook.com/FinancialAdvisorsWorkshop   Twitter: https://twitter.com/FAsWorkshop   iTunes: https://podcasts.apple.com/us/podcast/financial-advisors-workshop-with-brian-kasal/id1614768408   Spotify: https://open.spotify.com/show/4OB78889GRx2FHjvWtsyeE   Website: https://www.financialadvisorsworkshop.com/   Work with FourStar: https://financialadvisorsworkshop.com/Advisors   DISCLAIMER: This content is provided by FourStar Wealth Advisors for the general public and general information purposes only. This content is not considered to be an offer to buy or sell any securities or investments. Investing involves the risk of loss and an investor should be prepared to bear potential losses. Investment should only be made after thorough review with your investment advisor considering all factors including personal goals, needs and risk tolerance. FourStar is an SEC registered investment advisor that maintains a principal business in the state of Illinois. The firm may only transact business in states in which it has filed or qualifies for a corresponding exemption from such requirements. For information about FourStar's registration status and business operations please consult the firm's form ADV disclosure documents, the most recent versions of which are available on the SEC investment advisory public disclosure website at www.adviserinfo.sec.gov

Nuveen, the wholly-owned asset manager of TIAA, a renowned financial services company specializing in retirement savings, manages over a trillion dollars of AUM, with TIAA's capital exceeding $350 billion. Rekha Unnithan leads Nuveen Private Equity Impact in the alternative asset class, managing over $1 billion. Focusing on climate and inclusion within the growth equity space, Nuveen Private Equity Impact has thrived, resulting in the creation of Nuveen Climate Inclusion strategy, following the success of Fund 1 in 2020.Join Daniel and Rekha (Managing Director and Global Head of Private Equity Impact Investing) as they unravel Nuveen's journey, showcasing a harmonious blend of financial success and impactful change in the world of climate and inclusion.

Building a Billion-Dollar Private Credit Firm – The RIA Podcast with Karl McKinnie Episode 139 Ken Kencel Ken Kencel serves as President and CEO of Churchill Asset Management, an affiliate of Nuveen, the asset management arm of TIAA, a Fortune 500 financial services company. He also serves as Chairman of the Board, President and CEO of Nuveen Churchill Direct Lending Corp. (NCDLC) and Nuveen Churchill Private Capital Income Fund (PCAP), Churchill's publicly registered business development companies. Throughout his over 35-year career in the investment industry, he has accrued a broad range of experience in leading private credit investment businesses. Previously, Ken served as a Managing Director of The Carlyle Group, where he also served as President and a Director of Carlyle Secured Lending, Inc. (Carlyle's publicly traded business development company). Prior to that he founded and was President and CEO of Churchill Financial Group, served as Head of Leveraged Finance for Royal Bank of Canada and was Head of Indosuez Capital, a leading middle market merchant banking and asset management business in partnership with Credit Agricole Group. Ken was also a founder of the high yield finance business at Chase Securities (now JP Morgan Chase). He began his career in the Mergers & Acquisitions Group at Drexel Burnham Lambert. He regularly appears as a guest commentator on private credit markets on Bloomberg, CNBC, The Wall Street Journal and The Financial Times. Ken graduated with a B.S. in Business Administration, magna cum laude, from Georgetown University and a J.D. from Northwestern University Pritzker School of Law. He serves on the Pension Investment Advisory Committee for the Archdiocese of New York, the Board of Trustees and Chairman of the Investment Committee of Canisius High School (a private Jesuit Preparatory school in Buffalo, NY), the Advisory Board of Teach for America (Connecticut) and the Milken Institute's Diversity, Equity, and Inclusion in Asset Management Executive Council. Ken is a former member of the Board of Advisors and Adjunct Professor at the McDonough School of Business at Georgetown University. Listen to this insightful RIA episode with Ken Kencel about building a billion-dollar private credit firm. Here is what to expect on this week's show: - How it's important for leaders to focus on empowering and supporting their team. - Why companies must identify and foster a strong sense of company culture. - How Churchill Asset Management emphasizes values like collaboration, inclusivity, integrity, and commitment to excellence. - Why creating an environment where talented people feel valued and empowered is crucial for success. - How it's vital to hire the right employees to ensure the growth of your company. Connect with Ken: Links Mentioned: churchillam.com LinkedIn linkedin.com/company/churchill-asset-management Learn more about your ad choices. Visit megaphone.fm/adchoices

1:58 - A Story of Black Joy Summer Walker who is a mother of twins  is taking a stand against unequal access to federal paid leave for parents.  She has partnered with an American based infant formula company - Bobbie… to bless needy families with $580.00 each.   3:34 – The Word Game! 8:25 – It's a Public Seales Announcement 10:43 – We'll Check the Voicemail 14:24 - COMING UP: WE'RE SPREADING BLACK JOY ALL DAY! OUR HEADLINER OF THE WEEK.. TS MADISON WILL JOIN US FOR ANOTHER EDITION OF FOR THE RECORD. WE'VE ALSO GOT MY PUBLIC SEALES ANNOUNCEMENT THINGS I LEARNED THIS WEEK THE WORD GAME THE BLACKSPIN AND MORE!   16:46 - A Story of Black Joy! At 16 years old, Shania Muhammad is the youngest Teacher in America. She's the epitome of Black Girl Magic. She started college when she was 13 and already has 3 degrees.   19:14 – Watch Don't Watch with Desmond Thorne   24:43 – Things I Learned This Week.   27:20 – We'll Check the Voicemail. 1-855-AMANDA-8.   29:34 - HAPPY BIRTHDAY: KIRK FRANKLIN VINCE CARTER ANITA BAKER ANGELA DAVIS ELLEN DEGENERES   COMING UP THIS HOUR… WE'RE SPREADING MORE BLACK JOY. For the Record with TS Madison THINGS I LEARNED THIS WEEK AND WE'LL CHECK THE VOICEMAIL.   32:44 - A Story of Black Joy Texas Southern University has eliminated $2.3 million dollars in debt for its students. Clearing outstanding balances for over 2,000 students. This move comes by way of the federal Higher Education Emergency Relief Fund.   35:03 – FOR THE RECORD w/ Actress/TV Personality TS Madison. Our Headliner of the week.   38:38 – For the Record w/ TS Madison – Part 2   43:52 – We'll Check the Voicemail.   49:15 - COMING UP: WE'RE SPREADING MORE BLACK JOY. THE BLACKSPIN AND WE'LL CHECK THE VOICEMAIL.   51:19 - A Story of Black Joy! Wyclef Jean has partnered with a retirement services provider, known as, TIAA, to inspire conversations that will  “Retire” Inequality for all.   54:38 – The Blackspin. #Ciara #Samples 59:55 – Thanks for listening!See omnystudio.com/listener for privacy information.

NEVER GIVE UP! You may feel you are at the end but this is not the end for you. Your legs may give out. You may fall to the floor. But never give up. Powerful new motivational speech and our latest release with Coach Pain.SpeakerCoach PainYouTube: http://bit.ly/2LmRyeaInstagram: http://bit.ly/2XLcLW5Facebook: http://bit.ly/32tZdNiWebsite: http://bit.ly/2YTgWvqBook Coach Pain: http://bit.ly/2JMefFuMusicTwelve Titans - Transcendence, Finding Hope, Weightlesshttps://www.youtube.com/@twelvetitansmusic▶Subscribe for New Motivational Videos Every Week: http://bit.ly/MotivationVids▶DOWNLOAD our Top 100 Quotes of All Time:https://bit.ly/topquotesfreepdf▶JOIN our Newsletter for Exclusive Updates, Discounts, and Deals: https://bit.ly/Motiversitynewsletter▶READ our Weekly Blog:https://bit.ly/motiversityblog▶SHOP Official Motivational Canvases and Apparel:https://bit.ly/motiversityshop▶BECOME A MEMBER of our loyal community:https://bit.ly/motiversitymembersSpecial thanks to one of today's sponsors, TIAA. Find out more about Paper Right here: https://retireinequality.com/paperright/ Hosted on Acast. See acast.com/privacy for more information.

Whatever you want to accomplish you must empty your heart and your soul into it. Keep going, even when your heart tells you to stop... FALL DOWN 7 TIMES, GET UP 8! Speakers: Jim Merkelhttps://www.voiceimaging.com/William HollisYouTube: http://bit.ly/WillHollisYouTubeInstagram: https://www.instagram.com/williamkinghollis/Website: https://www.kinghollis.co/Book: http://bit.ly/FromTheBottomBookCoach PainYouTube: http://bit.ly/2LmRyeaInstagram: http://bit.ly/2XLcLW5Billy AlsbrooksYouTube: http://bit.ly/2pVY8h9Facebook: https://www.facebook.com/billyalsbrooksBrian BullockYouTube: https://bit.ly/30oejoWInstagram: https://bit.ly/2XMPQYRMarcus TaylorYouTube: http://bit.ly/38FUFoSInstagram: http://bit.ly/3aLfu3PFreddy FriYouTube: http://bit.ly/FreddyFriInstagram: https://bit.ly/37FxFcPJeremy AndersonYouTube: http://bit.ly/2MoY99wKeshav BhattYouTube: https://goo.gl/CbXEYDFacebook: http://www.facebook.com/keshavbxDr. Myles Munroehttps://www.youtube.com/c/MunroeGlobal/Tyrese Gibsonhttp://instagram.com/tyresehttp://youtube.com/userTyreseVEVOLes Brownhttps://lesbrown.com/Pete CohenWebsite: https://petecohen.com/YouTube: http://bit.ly/3cWdhEoCarla Cugliettahttps://www.instagram.com/carlacugliettaTyler WayeSubscribe to Tyler's channel: http://bit.ly/TylerWayehttps://twitter.com/TylerWayeMat Wilsonhttps://www.youtube.com/channel/UC5KI...Dr. Jessica HoustonYouTube: https://bit.ly/2PXZqTVInstagram: https://bit.ly/31Y6Uf5David Gogginshttps://www.instagram.com/davidgoggins/https://davidgoggins.com/Ray Lewishttps://twitter.com/raylewishttps://raylewis.com/Walter BondYouTube: http://bit.ly/WalterBondMotivation​Eric ThomasYouTube: http://bit.ly/2ua2os4Instagram: http://bit.ly/2Tpp5ICMusic: Secession Studios https://www.youtube.com/channel/UCwd8uu2mtJUgHYRffUl2yPQReally Slow Motion Buy their music:Amazon : http://amzn.to/1lTltY5iTunes: http://bit.ly/1ee3l8KSpotify: http://bit.ly/1r3lPvNBorrtexYoutube: https://www.youtube.com/BorrtexSoundcloud: https://soundcloud.com/user-910809074AudiomachineYouTube: https://www.youtube.com/channel/UCRuE...Evan Kinghttps://www.youtube.com/user/EvanKingAudioWhitesandhttps://www.youtube.com/channel/UCe96JG5gdgSRtmqStx0isXATwelve Titans https://www.youtube.com/twelvetitansmusichttps://open.spotify.com/artist/7hOMlDZUuWJwXoJFlZK11Y▶Subscribe for New Motivational Videos Every Week:http://bit.ly/MotivationVids▶DOWNLOAD our Top 100 Quotes of All Time:https://bit.ly/topquotesfreepdf▶JOIN our Newsletter for Exclusive Updates, Discounts, and Deals: https://bit.ly/Motiversitynewsletter▶READ our Weekly Blog -https://bit.ly/motiversityblog▶SHOP Official Motivational Canvases and Apparel -https://bit.ly/motiversityshop▶BECOME A MEMBER of our loyal community!https://bit.ly/motiversitymembersSpecial thanks to one of today's sponsors, TIAA. Find out more about Paper Right here: https://retireinequality.com/paperright/ Hosted on Acast. See acast.com/privacy for more information.

KEEP ON GRINDING! There are going to be times when you want to quit and you have nothing left. But you still have to carry on. These are the times you find out who you really are. Get excited about life and being above ground and not under it. Live your life! Keep grinding! Listen to this in the morning to start your day right!SpeakerCoach Pain"I am honored to share my story with you so that you can see the path that brought me to where I am today. You see, I believe that it is through difficult situations and great pain that the human spirit grows and character is developed. And my story is a testament to this.I started in the fitness industry when I was only 18 years old, and I knew that it was where I belonged. I had always been into fitness and enjoyed being active through my whole childhood. I was involved in Martial Arts, Wrestling and Football throughout high school and was generally a very physical person. I have been in the field for 26+ years and plan to stay here for many more. While I always enjoyed my work and was successful with it, I was not as passionate then as I am now. The passion didn't come until much later. The passion came through the most painful loss I have ever experienced…" – Coach PainFollow Coach:YouTube: http://bit.ly/2LmRyeaInstagram: http://bit.ly/2XLcLW5Facebook: http://bit.ly/32tZdNiWebsite: http://bit.ly/2YTgWvqBook Coach Pain: http://bit.ly/2JMefFuJoin the Coach Pain Academy: http://bit.ly/2XNmUfTMusicReally Slow Motion - SunderBuy their music:Amazon : http://amzn.to/1lTltY5iTunes: http://bit.ly/1ee3l8KSpotify: http://bit.ly/1r3lPvN▶Subscribe for New Motivational Videos Every Week: http://bit.ly/MotivationVids▶DOWNLOAD our Top 100 Quotes of All Time:https://bit.ly/topquotesfreepdf▶JOIN our Newsletter for Exclusive Updates, Discounts, and Deals: https://bit.ly/Motiversitynewsletter▶READ our Weekly Blog - https://bit.ly/motiversityblog▶SHOP Official Motivational Canvases and Apparel - https://bit.ly/motiversityshop▶BECOME A MEMBER of our loyal community!https://bit.ly/motiversitymembersSpecial thanks to one of today's sponsors, TIAA. Find out more about Paper Right here: https://retireinequality.com/paperright/ Hosted on Acast. See acast.com/privacy for more information.

Countless people including Jordan Peterson, Macklemore, Patrick Bet- David, and others explain why you need to not touch alcohol."At least one in ten Americans meet the criteria for either alcohol abuse or alcohol dependence; which we now call 'alcohol use disorder'."Special thanks to our partners and to these channels, subscribe to them here:https://www.youtube.com/@JordanBPetersonhttps://www.youtube.com/@VALUETAINMENT https://www.youtube.com/@TheDiaryOfACEO Special thanks to Craig de Silva: https://www.craigdesilva.com/Music:Epidemic Sound▶Subscribe for New Motivational Videos Every Week:http://bit.ly/MotivationVids▶DOWNLOAD our Top 100 Quotes of All Time:https://bit.ly/topquotesfreepdf▶JOIN our Newsletter for Exclusive Updates, Discounts, and Deals: https://bit.ly/Motiversitynewsletter▶READ our Weekly Blog -https://bit.ly/motiversityblog▶SHOP Official Motivational Canvases and Apparel -https://bit.ly/motiversityshop▶BECOME A MEMBER of our loyal community!https://bit.ly/motiversitymembersSpecial thanks to one of today's sponsors, TIAA. Find out more about Paper Right here: https://retireinequality.com/paperright/ Hosted on Acast. See acast.com/privacy for more information.

This is the single greatest motivational speech ever. If you need motivation to succeed in whatever it is that you do, then you need this motivation in your life.Speaker: Eric Thomas (etthehiphoppreacher)https://www.youtube.com/user/etthehip...https://twitter.com/Ericthomasbtchttps://www.instagram.com/etthehiphop...https://www.facebook.com/etthehiphopp...http://etinspires.com/▶Subscribe for New Motivational Videos Every Week:http://bit.ly/MotivationVids▶DOWNLOAD our Top 100 Quotes of All Time:https://bit.ly/topquotesfreepdf▶JOIN our Newsletter for Exclusive Updates, Discounts, and Deals: https://bit.ly/Motiversitynewsletter▶READ our Weekly Blog -https://bit.ly/motiversityblog▶SHOP Official Motivational Canvases and Apparel -https://bit.ly/motiversityshop▶BECOME A MEMBER of our loyal community!https://bit.ly/motiversitymembersSpecial thanks to one of today's sponsors, TIAA. Find out more about Paper Right here: https://retireinequality.com/paperright/ Hosted on Acast. See acast.com/privacy for more information.