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Click here to work with us! For decades, you've been focused on saving—watching your retirement accounts grow, sticking to a budget, and making smart financial decisions to ensure a secure future. But now that the time has come to actually enjoy your hard-earned money, spending it feels... unsettling. You're not alone. Many retirees struggle with the mental shift from accumulation to decumulation, even when their financial plans show they have more than enough. The fear of running out, coupled with conflicting financial advice, makes it tough to confidently transition into this new phase of life. Today we explore strategies for overcoming the retirement spending fear, based on an insightful Forbes article by Tim Maurer. We'll break down his three-step approach: phasing into retirement instead of stopping abruptly, redefining "work" to maintain purpose and fulfillment, and structuring an investment portfolio designed specifically for retirement withdrawals. Plus, we'll tackle a listener question about Social Security spousal benefits and the implications of early filing. By the end of the episode, you'll gain a clearer understanding of how to embrace your retirement, spend with confidence, and fully enjoy the wealth you've built. Outline of This Episode (0:00) The fear of spending in retirement (1:19) The “Retirement Cycle of Fear” (3:13) Step 1: Phase into retirement gradually (5:15) Step 2: Keep working, but redefine it (7:20) Step 3: Build a portfolio for spending (10:14) Listener Q – Social Security & spouses (14:30) Final thoughts (how to thrive in retirement) Resources & People Mentioned The Retirement Podcast Network Tim Maurer's Forbes article – Overcoming the fear of spending in retirement. Daniel Crosby's The Soul of Wealth – A deep dive into money and psychology. Connect with Benjamin Brandt Become a Client: www.retirementstartstoday.com/start Get the Retire-Ready Toolkit: http://retirementstartstodayradio.com/ Follow Ben on Twitter: https://twitter.com/retiremeasap Join the newsletter: https://retirementstartstodayradio.com/newsletter Dive deeper into retirement planning with Ben at www.RetirementIncome.University Subscribe to Retirement Starts Today on Apple Podcasts, Stitcher, TuneIn, Podbean, Player FM, iHeart, or Spotify
In this episode, Rory speaks with Tim Maurer, CFP®, registered life planner, and Chief Advisory Officer at Signature FD, as well as a regular contributor to CNBC and Forbes. Tim shares his philosophy that personal finance is more personal than finance, emphasizing the role of emotions, behavior, and storytelling in financial planning. Discover why most clients implement less than 20% of financial plan recommendations—and how behavioral finance can help bridge that gap. Learn how Tim's Live, Grow, Protect, and Give framework transforms traditional financial planning by aligning money with our different stages of life. Tim also explores the power of narrative, drawing insights from Donald Miller's StoryBrand approach, and explains why advisors should act as guides—not heroes—in their clients' financial journeys. Are you curious about how to improve client engagement and create lasting impact? Want to learn how to move beyond numbers and help clients align their money with their life's purpose? Find out the answers to these questions and more in this Personal Finance conversation with Tim Maurer.
Hi, and welcome to The Long View. I'm Christine Benz, director of personal finance and retirement planning for Morningstar. Our guest on the podcast today is Sahil Bloom. He's the author of a new book called The 5 Types of Wealth, and he also writes a newsletter called the Curiosity Chronicle. He's the founder and managing partner of SRB Holdings and SRB Ventures. Before embarking on a career as a content creator, Sahil was a vice president at a private equity fund. He double majored in economics and sociology at Stanford University, and he also received his master's in public policy there. Sahil, welcome to The Long View.BackgroundBioThe 5 Types of Wealth: A Transformative Guide to Design Your Dream Life, by Sahil BloomCuriosity ChronicleThemes“The Time Billionaire: A Concept That Changed My Life,” by Sahil Bloom, sahilbloom.com.“The 2 Types of Status: Bought vs. Earned,” by Sahil Bloom, sahilbloom.com.“The Incredible Power of No,” by Sahil Bloom, sahilbloom.com.“The 4 Types of Professional Time,” by Sahil Bloom, sahilbloom.com.“Parkinson's Law, How to Read, and More,” by Sahil Bloom, sahilbloom.com.“Sahil Bloom on Wealth, Success and Pursuing All-Time Highs in Money and Wealth,” by Tim Maurer, forbes.com, Feb. 2, 2025.“The Life Dinner, Stonecutter Story, and More,” by Sahil Bloom, sahilbloom.com.OtherOccam's RazorHarvard Study of Adult Development“Daniel Crosby: Can Money Really Buy Happiness?” The Long View podcast, Morningstar.com, Dec. 17, 2024.Essentialism: The Disciplined Pursuit of Less, by Greg McKeownBhagavad GitaMindset: The New Psychology of Success, by Carol Dweck
Tim Maurer of Mediterranean Harvest talks about eating in ways the work with our bodies, that improve overall health of us and others, and reduce chronic diseases. Truth Unites' Gavin Ortlund, author of "What It Means to Be Protestant," talks about how we can always seek better conform our lives and ways to the Bible. Faith Radio podcasts are made possible by your support. Give now: Click here
Russia's war against Ukraine reveals much about the use of cyber in warfare and the evolving role of states, international organizations, and the private sector in securing the digital realm.Raluca Csernatoni, fellow at Carnegie Europe, and Tim Maurer, senior fellow at the Carnegie Endowment for International Peace, discuss the blurring of lines between war and peace in cyberspace and what it means for the future of cyber diplomacy.[00:00:00] Intro, [00:02:04] Russia's cyber war against Ukraine [00:11:38], The role of states, international organizations, and the private sector, [00:20:39] The future of cyber norms and diplomacyRaluca Csernatoni, November 8, 2023, “Generative AI Poses Challenges for Europe,” Carnegie Europe.Raluca Csernatoni and Mark Manantan, July 4, 2023, “EU-ASEAN Cooperation on Cybersecurity and Emerging Technologies,” Carnegie Europe.Raluca Csernatoni, January 30, 2023, “Towards Strengthening the Transatlantic Tech Diplomacy: Trustworthy AI in the EU-U.S. Trade and Technology Council,” Transatlantic Leadership Network.Raluca Csernatoni and Katerina Mavrona, September 15, 2023, “The Artificial Intelligence and Cybersecurity Nexus: Taking Stock of the European Union's Approach,” Carnegie Europe.Tim Maurer, October 22, 2023, “7 Simple Ways to Shield Yourself From Cybersecurity Threats,” Forbes.Tim Maurer, September 18, 2023, “6 Actions CEOs Must Take During a Cyberattack,” Harvard Business Review.Tim Maurer and Arthur Nelson, March 2021, “The Global Cyber Threat,” International Monetary Fund.Tim Maurer, January 2018, “Cyber Mercenaries: The State, Hackers, and Power,” Cambridge University Press.
This month on our podcast we had the pleasure of speaking to Tim Maurer. Tim's 15+ year career at the intersection of technology, cybersecurity, policy, strategy, and geopolitical risk spans the White House National Security Council, U.S. Department of Homeland Security, the United Nations, think tanks and academia. He is a solutions-focused manager adept at developing a strategic vision and direction, building and managing inclusive teams, creating institutional support, as well as managing complex cross-departmental teams in high-stakes, high-stress environments. He is a tested crisis manager able to quickly adapt, clearly communicate, and successfully navigate complex operational, policy, communications, and legal challenges.
Wealthmanagement.com Advisor Innovations with David Armstrong, Editor in Chief
Tim Maurer is a financial advisor and author who most recently took on the role of Chief Advisory Officer at SignatureFD. In this episode of the Advisor Innovations podcast, Maurer talks with David Armstrong about what, exactly, a Chief Advisory Officer does, and how he sees the lessons of life planning and qualitative financial advice … Continue reading Advisor Innovations Podcast: Tim Maurer on Personal Finance is More Personal Than Finance →
Tune in to hear:- How has Heather's background in mental health shifted the way she leads and the way she goes to market?- What advice, skills or resources does she try to imbue her advisors with to inoculate them against taking on too much of the stresses they help their clients work through?- As practically as possible, what does “net worthwhile” look like and how does SignatureFD make it more than just a tagline?- What led Heather to start using a bucketing strategy in the first place and what makes her approach unique?- Why is SignatureFD's client retention rate so incredibly high? What do they do differently from their competition?- Where does she think financial advice is headed in the next 10-20 years and how do the Tim Maurer's of the world figure into this transition?https://signaturefd.comCompliance Code: 1088-OAS-4/18/2023
Tune in to hear:- What has Tim found helpful in helping clients to articulate their life purpose in a practical way?- What is an effective life planning strategy for ultra-high net worth individuals that don't have a super specific “raison d'etre?”- How can we practically communicate to clients that they are whole and how do we create an environment that encourages them to draw from their internal resources?- Does Victor Frankl or Logo Therapy have anything to teach us about how to connect with clients during times of great sadness and personal distress?- Giving money away is found to reliably be a way in which “money can buy happiness.” Is it appropriate to introduce this concept to clients who don't have a natural inclination towards altruism?- What is paradoxical intention? Does this have a place within the field of financial advising?- How does Tim Maurer try to introduce the Socratic dialogue in his work?www.triadfa.comwww.timmaurer.com
Most financial advisors do a great job focusing on WHAT clients want to achieve (Goals) and HOW to achieve it (Financial Planning). But the best advice focuses first and foremost on WHY. It focuses on the client's values, purpose, intentions (what's truly most important in their lives). And everything flows from there. A financial plan … Read More Read More
"The future of financial planning is the infusion of life within it." - Tim Maurer Most financial advisors do a great job focusing on WHAT clients want to achieve (Goals) and HOW to achieve it (Financial Planning). But the best advice focuses first and foremost on WHY. It focuses on the client's values, purpose, intentions (what's truly most important in their lives). And everything flows from there. A financial plan without a "Why" is merely data on a page. A portfolio without a "Why" is merely a list of investments. Starting with "Why" infuses life into the financial planning process. And, fortunately, Tim Maurer has been through the top trainings in the industry and has spent years teaching advisors how to do just that. We discuss: Behavioral Finance 2.0 - the future of behavioral finance in the industry The four cards he uses to help advisors uncover what's most important in their clients' lives "Why are we here?" - why this question is so powerful and how to use it "Advisor-Driven" versus "Client-Inspired" recommendations Why he never gives more than three implementation items at a time *For more resources discussed in this episode, check out www.wiredplanning.com/episode55 *For more resources and insights on mastering the human side of money (including our popular "Wisdom Round-Up" email), go to www.wiredplanning.com. *Follow Brendan for insights on mastering the human side of advice: Twitter LinkedIn
It's a two-for-one special on this episode, Tim Maurer, local concert security legend, tells of all the concert opportunities he got while working security for some of the biggest acts of the 80's and 90's and Amy Mauzy, long time local radio Promotions Department 'mover & shaker' shares her stories of the 'golden age of radio' and all the characters she got to meet along the way. Together on this because, they happened to be at the same concert and witnessed the same 'Prince in the wild' tale. You won't want to miss it!Sponsored by Minnesota Propane Association (https://discoverpropanemn.com/)
It's a two-for-one special on this episode, Tim Maurer, local concert security legend, tells of all the concert opportunities he got while working security for some of the biggest acts of the 80's and 90's and Amy Mauzy, long time local radio Promotions Department 'mover & shaker' shares her stories of the 'golden age of radio' and all the characters she got to meet along the way. Together on this because, they happened to be at the same concert and witnessed the same 'Prince in the wild' tale. You won't want to miss it!Sponsored by Minnesota Propane Association (https://discoverpropanemn.com/)
Südhessen (axi/leit). In knapp zwei Wochen wird wieder gewählt. Am Sonntag, 26. September, geht es um den Deutschen Bundestag. Die Ausgangslage ist dabei offen wie lange nicht und die Frage, wer die Nachfolge von Angela Merkel als Bundeskanzlerin antritt, ist längst noch nicht beantwortet. Auch inSüdhessen ist die kommende Wahl das Thema der Stunde. Das zeigen unter anderem die vielen Wahlplakate an den Straßen. Wegen der Pandemie läuft der Wahlkampf ganz anders ab, als noch vor vier Jahren. Hausbesuche und Informationsstände auf den Marktplätzen gibt es kaum, stattdessen setzen die Kandidaten verstärkt auf digitale Präsenz. Auch beim eigentlichen Wahlvorgang macht sich Corona bemerkbar. Denn viele Menschen werden, wie schon bei der Kommunalwahl im März, per Briefwahl abstimmen und nicht erst am Wahltag. In der neuen Folge des Podcasts Station 64 sprechen die ECHO-Volontäre Maximilian Brock und Lars Leitsch über die verschiedenen Aspekte rund um die Bundestagswahl in Deutschland und in Südhessen. Prof. Dr. Christian Stecker, Politikwissenschaftler an der TU Darmstadt, liefert Einblicke zur aktuellen politischen Ausgangslage und erklärt, welche Aussagekraft die Umfragewerte der einzelnen Kandidaten haben. Tim Maurer, stellvertretender Chefredakteur und verantwortlich für die südhessischen Redaktionen, spricht darüber, welche Rolle die lokale Berichterstattung bei der Wahl einnimmt und wie die Pandemie unter anderem die traditionellen ECHO-Podien verändert.
I wanted to differentiate myself among other machine shops in the area with the new Carr Machine & Tool location. The shop floor is where we make our money. I took extra steps in the process to create a new image for my shop. I wanted to present it in a way that was sophisticated, high-tech, polished, and professional—while remaining efficient. That's where IMEC came in. I reached out to them for some technical collaboration to help design an efficient shop floor. I worked with both Dean Harms and Tim Maurer and it was an amazing experience. So in this episode of Making Chips, I'm sharing what the collaboration and design process looked like with IMEC. Segments [0:24] Check out ProShop ERP for more information on manufacturing software! [2:46] Why I chose the new Carr Machine & Tool location [4:17] What's happening at ZENGERS? [6:19] Why investing in your business is important [10:32] President Biden Announces Support for the Bipartisan Infrastructure Framework [12:55] The process of designing a new facility with IMEC [15:10] What IMEC (the Illinois Manufacturing Excellence Center) is all about [19:16] Amper Technologies machine monitoring systems [19:59] How the infrastructure bill will be distributed to MEPs [25:43] My experience working with IMEC to design my shop floor [36:50] Other types of shops IMEC works with [38:55] Accelerate your digital transformation with Xometry What IMEC (the Illinois Manufacturing Excellence Center) is all about Dean Harms is a Regional Manager with IMEC. It's his mission to help others any way he can on a daily basis and have fun along the way. Sounds like us, right? IMEC is part of the Manufacturing Extension Partnership (MEP) National Network. It's connected to the US Department of Commerce through the NIST organization. IMEC launched in the 1990s and is about to celebrate its 25th anniversary. There are 51 MEPs (one in every state + Puerto Rico). Their overall mission is to provide solutions and improvements to small and medium-sized manufacturing companies to help them navigate the changing landscape, drive profitability, sustain growth, and become globally competitive. IMEC is a non-profit that is both privately and publicly funded. They are a channel that brings tax dollars back into the state of Illinois by specifically serving manufacturing businesses. Dean Harms makes sure the money is applied where it's needed most. My experience working with IMEC Dean cold-called me after I was on a live Facebook interview. I mentioned I was about to move my shop, so he reached out. He knew that there was probably something IMEC could do to help with the move. I heard that they could help design my shop floor and I really wanted a high-end polished shop. Dean introduced me to Tim Maurer and said he would be the perfect guy to collaborate with to design my shop floor. Tim has decades of experience not only with IMEC but also with Caterpillar. After I met Tim, I knew I was dealing with someone who was competent and knew what a manufacturing floor should look like. The shop floor design process Tim's design process was thorough, starting with the vision for our future and ending with the execution of the move. We started by setting objectives: Where did we want to be? What type of work would we be doing? What new technologies will be utilized on the shop floor? We did a physical walk of both of the properties. He took physical measurements of the new building, all of our tools, and made sure the room was big enough for a CMM. After he did the physical layout, we met again to go over the flow of the room and nail down the workflow. We placed the machinery and equipment in the prime areas of the floor to maximize the square footage. He established power needs, air drops, water needs, an eyewash station, etc. He developed the CAD and we talked about future automation and made sure they'd be room around the machines. He delivered the final layout to us in a CAD model. The best part? On moving day we had a roadmap to mark where everything went. We knew where every single thing would go. The design process was an investment in our future productivity. I would never have completed this process as well as Tim did. I highly recommend working with IMEC through a big move to create a more efficient shop floor. Don't be afraid to delegate design to the experts. BAM! – Jim Resources mentioned on this episode Get The Boring Bar Newsletter - Text CHIPS to 38470 to subscribe! Connect with Jason on LinkedIn Why Investing in Your Business is Important President Biden Announces Support for the Bipartisan Infrastructure Framework Connect with Dean Harms with IMEC Connect with Tim Maurere with IMEC Connect With MakingChips www.MakingChips.com On Facebook On LinkedIn On Instagram On Twitter On YouTube
When it comes to malicious cyber attacks against our financial system, how prepared are our nation's banks? FDIC Chief Innovation Officer Sultan Meghji sits down with Tim Maurer, Senior Counselor for Cybersecurity and Emerging Technology at the U.S. Department of Homeland Security. Together, they discuss what banks must do to defend themselves and how should they plan for recovering from these attacks should they occur?
Tim Maurer is a senior counselor for cybersecurity to the Secretary of Homeland Security. Jennifer Daskal serves as deputy general counsel at DHS focused on cybersecurity. And Eric Goldstein serves as the executive assistant director for cybersecurity for CISA, DHS's cybersecurity and infrastructure security agency. They joined Benjamin Wittes to talk about what the Biden administration's priority is in cybersecurity domestically, how DHS is using its new authorities that it has received in the National Defense Authorization Act, how CISA has grown as an agency and what success looks like if the administration pursues its goals effectively.
Tim Maurer, CFP®️, speaker, and author, is the Director of Advisor Development for Buckingham Wealth Partners. His motto, “personal finance is more personal than finance,” drives his writing, speaking, and of course, his financial planning work. In our new episode of YAFPNW, Tim and Hannah discuss the meaning of that motto, as well as the skills planners need to excel and the impact we can make on our clients’ lives.
Our guest on the podcast today is financial advisor and author Tim Maurer, the director of advisor development for Buckingham Wealth Partners. He coauthored The Ultimate Financial Plan: Balancing Your Money and Your Life with Jim Stovall, and he also wrote Simple Money: A No-Nonsense Guide to Personal Finance. He's a member of the CNBC Financial Advisor Council and is also a regular contributor to CNBC, Forbes, and Time/Money. Maurer is a certified financial planner and a graduate of Towson University. Tim Maurer's BackgroundBioThe Ultimate Financial Plan: Balancing Your Money and Your LifeSimple Money: A No-Nonsense Guide to Personal FinanceFinancial Life Planning"What Is Financial Life Planning?" by Sheiresa Ngo, CheatSheet, May 31, 2015."Beyond Finances: Holistic Life Planning Trends Among Advisors," InvestmentNews, Jan. 23, 2020."How Should Retirees Deal With Crazy Markets When They Don't Have Time to Stay the Course?" by Tim Maurer, timmaurer.com, March 20, 2020."Reconsidering Your Life Because of the Pandemic? You're Not Alone," by Mimi Montgomery, Washingtonian, April 21, 2020."Financial Planner vs. Financial *Life* Planner. Which one Is the 'Right One' for Me?" by Cristina Livadary, Mana, Jan. 24, 2020."'The Whole Financial Planning Process Is Wrong,' Expert Says,” by Tim Maurer, Forbes, July 28, 2017.Financial Planning AssociationNAPFA: The National Association of Personal Financial AdvisorsKinder Institute of Life Planning"George Kinder: Three Questions About Life Planning," by J.D. Roth, Get Rich Slowly, Aug. 1, 2019.Money QuotientYour Mental Wealth, Drs. Ted Klontz and Brad KlontzKahler Financial GroupThe Future of Financial AdviceBuckingham Strategic WealthDrive: The Surprising Truth About What Motivates Us, by Daniel Pink."Simple Money Portfolio," by Tim Maurer, timmaurer.com. "Tim Maurer Simple Money Portfolio Review and ETFs to Use," by Tim Maurer, Optimized Portfolio, Oct. 7, 2020."Kitces: Pandemic to Accelerate Shift to AUM-Based Fee Model," by Jeff Berman, ThinkAdvisor, May 7, 2020."ESG Index Funds Hit $250 billion as Pandemic Accelerates Impact Investing Boom," by Pippa Stevens, CNBC, Sept. 2, 2020.College Planning"Is COVID-19 Creating an Education Planning Crisis?" by Tim Maurer, The Bam Alliance, June 3, 2020."The Non-Conformist's 4-Step Education Savings Plan," by Tim Maurer, Forbes, May 31, 2012.
The black letter law and articles in this episode are: The Cyberspace Solarium Commission Report https://www.solarium.gov/home Wired, "White House Cuts Critical Cybersecurity Role as Threats Loom" May 15, 2018 https://www.wired.com/story/white-house-cybersecurity-coordinator/ DHS CISA Vulnerability Disclosure Policy Draft Directive https://cyber.dhs.gov/bod/20-01/ NSLT Episode "Threats, Norms and Cyber Mercenaries with Tim Maurer" https://soundcloud.com/nsltoday/threats-norms-and-cyber-mercenaries-with-tim-maurer Criticism of the Solarium Report https://www.thirdway.org/press/third-way-responds-to-americas-cyberspace-solarium-commission Suzanne Spaulding is a Senior Adviser at the Center for Strategic and International Studies https://www.csis.org/people/suzanne-spaulding
Over two-thirds of global financial institutions have seen an increase in cyberattacks in recent years. In the UK alone, the number of security breaches has increased by over 480%. Cybersecurity is no longer just about firewalls, data encryption, and strong passwords. While those are still necessary, they are not enough to fight a threat that knows no borders. One recent law enforcement operation that started in Spain busted a cyber gang operating in 15 countries and required coordinated efforts with the FBI, Europol and other private companies. In this podcast, three leading specialists in cybersecurity discuss how to create a safer digital world for financial institutions. Carnegie Endowment's Tim Maurer, IMF's Chris Wilson, and Central Bank of Spain's Silvia Senabre participated in a recent workshop on cybersecurity hosted by the IMF. Tim Maurer is co-director of the Cyber Policy Initiative at the Carnegie Endowment for International Peace and author of Cyber Mercenaries: The State, Hackers, and Power. Silvia Senabre is a mathematician and computer engineer who works on cybersecurity risk evaluation for the Central Bank of Spain. Chris Wilson is a Senior Financial Sector Expert in the IMF's Monetary and Capital Markets Department and co-author of Cybersecurity Risk Supervision.
While the number of cyberattacks increase, there have been some even bolder cyberattacks done now than ever before. For sure there have been massive breaches from various companies, but now cyberattacks are happening to banks. Cyberattacks on financial institutions have been increasingly linked to nation-states that have been causing a variety of disruptions on many levels. After all, the states that are behind the vast majority of these attacks are countries like Iran, Russia, North Korea, and China. But what’s disheartening is that the report that was released that outlines these cyberattacks noted that there were only two attacks in 2016 and 2017 that were linked to those countries. That number jumped to six in 2018. The report also talked about the growing concerns due to the vulnerable state of our financial system to these threats. Tim Maurer, the co-director at Carnegie Endowment for International Pease said: “Now banks have to defend against not only cyber criminals and politically-motivated disruptions, usually of a temporary nature, but large-scale theft pursued by a nation-state. This evolution of the threat has forced regulators and industry worldwide to shift their attention from mitigating firm-specific risks to increasingly focus on sector- and system-wide risks.” State-sponsored attacks refer to operations including direct nation-state activity and proxy activity that’s done by so called hacktivists.
The cyber era has amplified the impact of non‐state actors on international relations. From election meddling to sabotage to espionage, states are using non‐state actors as proxies to do their dirty work. Tim Maurer from the Carnegie Endowment for International Peace joins Trevor Thrall and John Glaser to talk about the rise, reach, and implications of these cyber mercenaries.Tim Maurer bioTim Maurer, Cyber Mercenaries: The State, Hackers, and PowerBrandon Valentino and Benjamin Jensen, “The Myth of the Cyber Offense: The Case for Restraint,” Policy Analysis 862, January 15, 2019. See acast.com/privacy for privacy and opt-out information.
It’s been two years since the Russian government’s alleged interference in the US presidential election. Since then, it’s not just the US who has had to grapple with this new form of statecraft – countries in Europe have also taken steps to secure their democratic processes against fake news and cyber-attacks. On this Natsec Pod, Chris Farnham chats to Tim Maurer about the brave new battleground of cyber interference, the blurred lines between state and non-state actors in cyberspace, and how far the US has gone in protecting the integrity of the 2018 mid-term elections. Listen here: Tim Maurer is the co-director of the Cyber Policy Initiative and a fellow at the Carnegie Endowment for International Peace. He recently co-authored a paper, “Russian Election Interference: Europe’s Counter to Fake News and Cyber Attacks”. He was visiting Australia undertaking a Special Visits Program through the Department of Foreign Affairs and Trade and Macquarie University. Chris Farnham is the presenter of the National Security Podcast. He joined the National Security College in June 2015 as Policy and Events Officer. His career focus has been on geopolitics with experience working in and out of China for a number of years as well as operating in Australia and Southeast Asia. We’d love to hear your feedback for this podcast series! Send in your questions, comments, or suggestions for future episodes to podcast@policyforum.net. You can also Tweet us @APPSPolicyForum or find us on Facebook. See acast.com/privacy for privacy and opt-out information.
The black letter law and articles in this episode are: Cyber Mercenaries: The State, Hackers, and Power https://www.cambridge.org/core/books/cyber-mercenaries/B685B7555E1C52FBE5DFE6F6594A1C00 Computer Fraud and Abuse Act, 18 U.S.C. § 1030 https://www.law.cornell.edu/uscode/text/18/1030 U.S.-China Cyber Agreement (October 16, 2015) https://fas.org/sgp/crs/row/IN10376.pdf Tallinn Manual on the International Law Applicable to Cyber Warfare http://csef.ru/media/articles/3990/3990.pdf Tallinn Manual 2.0 on the International Law Applicable to Cyber Operations (not available as PDF) https://ccdcoe.org/tallinn-manual-20-international-law-applicable-cyber-operations-be-launched.html United Nations International Group of Governmental Experts on Information Security (GGE) https://www.un.org/disarmament/group-of-governmental-experts/ Mutually Assured Disruption – Report, National Committee on American Foreign Policy, (January 12, 2018) https://www.ncafp.org/12606-2/ “Protecting Financial Data in Cyberspace: Precedent for Further Progress on Cyber Norms?” Just Security (August 24, 2017) https://www.justsecurity.org/44411/protecting-financial-data-cyberspace-precedent-progress-cyber-norms “Toward a Global Norm Against Manipulating the Integrity of Financial Data” CEIP http://carnegieendowment.org/2017/03/27/toward-global-norm-against-manipulating-integrity-of-financial-data-pub-68403 Convention on Cybercrime https://rm.coe.int/1680081561 Presidential Policy Directive 41 https://obamawhitehouse.archives.gov/the-press-office/2016/07/26/presidential-policy-directive-united-states-cyber-incident Fact sheet on the PPD https://obamawhitehouse.archives.gov/the-press-office/2016/07/26/fact-sheet-presidential-policy-directive-united-states-cyber-incident-1 Cyber Executive Order https://www.whitehouse.gov/presidential-actions/presidential-executive-order-strengthening-cybersecurity-federal-networks-critical-infrastructure/ Cyber Sanctions https://www.treasury.gov/resource-center/sanctions/Programs/pages/cyber.aspx Cyber Sanctions for Russian hackers in election interference https://home.treasury.gov/news/press-releases/sm0312 Tim Maurer is the Co-Director of the Cyber Policy Institute at the Carnegie Endowment for International Peace http://carnegieendowment.org/experts/1086
The Hoover Institution hosts "'A Discussion of Tim Maurer's New Book: Cyber Mercenaries" on Thursday, April 5, 2018 from 5:30pm - 7:00pm EST. Tim Maurer's new book, Cyber Mercenaries: The State, Hackers and Power, is an exploration of the intersection between cyberspace and geopolitics. In timely commentary considering recent revelations about state-sponsored cyber operations, Maurer describes a landscape of state actors deploying, sponsoring and exploiting hackers to express power in the international sphere. State-hacker relationships have created new frontiers for the regulatory and legal questions around offensive cyber capabilities. Through case studies, Maurer demonstrates the importance of creating a framework for understanding the pros and cons of using cyber operations as geopolitical tools. (Playing time: 49:41)
The idea of proxy conflict dates to the Cold War and earlier, but Tim Maurer’s new book “Cyber Mercenaries: The State, Hackers, and Power” makes one of the first forays into proxy conflict in cyberspace. Last week, Maurer sat down with Lawfare Editor-in-Chief Benjamin Wittes at the Hoover Book Soiree to talk about the book. They discussed Maurer’s typology of how states like the United States, Syria, Russia and China differ in their use of cyber proxies and the challenges they pose to attribution and accountability.
Tim Maurer, a scholar at the Carnegie Endowment for International Peace, talks about nation state-backed hacking activity and the dangers of breaking trust in the global financial system.
In our 200th episode of The Cyberlaw Podcast, Stewart Baker, Meredith Rathbone, and Nick Weaver discuss: walking back Wassenaar: an update; Russia and software – Balkanization of the internet is coming on fast; Kaspersky story; a dog bites man and the European Court of Justice bites Facebook; FitBit gives away location of secret US army bases; jackpotting coming to an ATM near you. Our guest interview is with Tim Maurer co-director of the Cyber Policy Initiative and a fellow at the Carnegie Endowment for International Peace to discuss his newly released book Cyber Mercenaries: The State, Hackers, and Power. The views expressed in this podcast are those of the speakers and do not reflect the opinions of the firm.
The United States and China agreed in 2015 that neither government would support or conduct cyber-enabled theft of intellectual property, and committed to working with international partners to identify appropriate norms in cyberspace. Both countries are expected to continue discussions on a broad range of cybersecurity issues at the Law Enforcement and Cyber Security Dialogue, established during the Mar-a-Lago summit in April . In this podcast, Paul Haenle sat down with Tim Maurer, co-director and fellow at the Carnegie Endowment’s new Cyber Policy Initiative, to discuss the global debate surrounding cyber norms and the outlook for future collaboration on cybersecurity.
Last year, hackers used malware to steal $101 million remotely from a Bangladesh bank from thousands of miles away. Cyberattacks can be as debilitating and dangerous as conventional warfare — particularly in the financial sector, where a single attack could cripple or disrupt global financial systems. This kind of cyber-attack is emerging as a new frontier of potential conflict between nations. Yet there are no norms or policies governing the prevention of cyber financial attacks. So how can countries work together to prevent attacks on financial markets and institutions from rogue nations, and even non-state actors? Tom Carver discussed the threat with Michael Chertoff, former U.S. Secretary of homeland security, and Tim Maurer, co-director of Carnegie's Cyber Policy Initiative. Michael Chertoff is the co-founder and executive chairman of the Chertoff Group. He served as Secretary of the U.S. Department of Homeland Security from 2005 to 2009. (More on Chertoff - https://www.chertoffgroup.com/about-us/our-team/205-michael-chertoff) Tim Maurer is a fellow at the Carnegie Endowment for International Peace and co-directs its Cyber Policy Initiative. He is currently writing a book on cybersecurity and proxy actors. (More on Maurer - http://carnegieendowment.org/experts/1086)
In our 164th episode of the Steptoe Cyberlaw Podcast, Stewart Baker, Paul Rosenzweig, and Brian Egan discuss: the cyber EO is finally out – and just in time for wCry; WCry causes ransomware meltdown ; given a choice of blaming Microsoft, who wrote the bad code and the limited security update, the hackers who wrote the ransomware, or the GRU, who revealed the vulnerability, US reporters blame … NSA; Brad Smith of Microsoft thinks it shows we need a digital Geneva accord; NSA’s latest problems with compliance and the FISA court; Abbott Labs proposes a settlement with MedSec that would prevent it from talking to government in the absence of a preexisting inquiry and notice to Abbott; if Trump taped Comey, does it matter where he did it? Two-party consent rules. Our guest interview is with Tim Maurer, Fellow and co-director of the Cyber Policy Initiative at the Carnegie Endowment for International Peace. The views expressed in this podcast are those of the speakers and do not reflect the opinions of the firm.
My friend Tim Maurer likes so say that, "Personal finance is more personal than it is finance." With that reality comes a hard truth. No one can tell us what to do. We can get great advice that gets us 80 percent there, but at the end, we still need to make the decision. It's up to us. Listen time: 3:22
Some of the fastest-changing technology is occurring in cyberspace, often outpacing existing norms and ethics around the use of such technology. Autonomous weapons are already a reality, but defense departments and politicians are only now beginning to grapple with how to use them. Before long, can we expect to see a weapon system that has no human at all in the decision chain? Tim Maurer, co-director of Carnegie Endowment's Cyber Policy Initiative and David Brumley, director of Carnegie Mellon's Security & Privacy Institute, sat down with Tom Carver to discuss these important issues.
The topic of information and communication technologies diplomacy has been a dynamic aspect of U.S.-Japan cooperation since 2010 when U.S. President Barack Obama and then Japanese prime minister Naoto Kan first launched a U.S.-Japan Policy Cooperation Dialogue on the Internet Economy. The two countries have led efforts to promote national interests and ensure a global digital economy based around an open, free, and secure Internet. Yet not all countries agree on priorities, and some governments seek greater state control of this space. Meanwhile, technology and the Internet economy are rapidly evolving. In this podcast, Ambassador Daniel A. Sepulveda, Minister Kanji Yamanouchi, and ITI President Dean Garfield discuss U.S.-Japan cooperation to promote data localization, cross-border data flow, and privacy protection as well as how these issues are managed with broader policies and politics. Commentary by Tim Maurer. Moderated by Jim Schoff.
This week's guest on the second half of the show is Tim Maurer, financial planner and author of The Ultimate Financial Plan: Balancing Your Money and Life. Find out about the relationship between money and life and why you need to budget and save. Is it to hold you back, or to ultimately lead you towards financial freedom?
For the next few weeks, we're bringing you edited versions of the best conversations from our annual 10 Big Ideas Conference. First up: CNN Crossfire Host Van Jones, with some help from our audience, asks Steven Rattner, Chairman of WIllett Advisors and a New America Board Member, about his diagnosis and prescriptions on income inequality in the U.S. Forget Thomas Piketty – listen to Rattner challenge conventional wisdom about the connections between economic growth, mobility and income inequality. Later, Slaughter moderates a discussion about the future of war – how big data and technological advances are blurring the boundaries of the battlefield, and the identity of our enemy. That conversation features Peter Bergen, the director of the International Security Program, Sascha Meinrath, the director of our X-Lab project, Tim Maurer, a Research Fellow at the Open Technology Institute, Tom Ricks, a Senior Adviser on National Security at New America, and Rosa Brooks, a Senior Fellow and Professor at Georgetown.
33voices interview with Financial Planner Tim Maurer