Podcasts about trustees

Howard Komine came to Vegas to campaign with the CLC at my branch meeting. I was fortunate enough to meet up with him at his hotel for an in-person interview. This is Howard's first podcast interview, and he did GREAT! In this episode, he talks about his role as a trustee, how he runs his own branch, and why the oversight a trustee provides is so vital to our union.

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City clerk rescues 19th-century records from dump You never know what you're going to find at the dump. Just ask Amanda Caputo. Last fall, the Beacon city clerk discovered the handwritten articles of incorporation for the Village of Matteawan buried under decades of dirt, dust and who knows what else at the city's Transfer Station. Dated May 28, 1886, and recorded by Fishkill Town Clerk G.W. Bradshaw, the articles are in remarkably good condition. They signify the formation of Matteawan, a manufacturing hub of about 4,400 residents centered around Fishkill Creek. Matteawan was 1½ miles east of Fishkill Landing, the neighboring village with which it would merge in 1913 to create Beacon. A follow-up meeting was held on June 29, 1886, at Fishkill Town Hall, where town officials voted to approve Matteawan's secession. Records show that village leaders expected to spend $2,500 (about $86,500 today) on "ordinary expenses" in the first year. The articles were the most significant find inside seven hardbound books discovered by Caputo. The books, which also contain records from Fishkill Landing, were recovered from Beacon's incinerator building, a brick structure with an adjacent smokestack that's next to the wastewater treatment plant on Dennings Avenue. Once the destination for the city's wastewater sludge and trash, it has been — aside from a first-floor office — largely vacant for years. "No one expected anything useful to be in there," said Caputo. "Why would you keep valuable records at the dump for 30 years?" The best guess is that the books — along with an assortment of urban renewal and community development documents, property assessments and financial and court records — were stashed at the three-story building in the mid-1990s, when the current City Hall was under construction. Some of the documents were transported in filing cabinets. Loose materials, including the seven books, were taken upstairs, where scores of pigeons would later enter through broken windows and take roost. In 2024, city workers replaced the windows, and a private company helped clean out 30 years of bird waste. "Then we were like, 'There's all those records — I wonder what's in there?' " said City Administrator Chris White, who served on the City Council in 1996 and 1997. White said he recalled the building being "in really bad shape" even then. While the structure had been cleaned out, it wasn't spotless when Caputo got to it. The top layer of boxes and loose paper "was just covered in grime," she said. "Once you started moving stuff, the dust started flying. Thankfully, these books were covered by records that were much less remarkable." Although the covers and spines of the books have deteriorated, the inside pages are nearly all intact, still white with numbers printed in blue in the upper corners. Flipping through them, one gets a glimpse into the world 140 years ago. The Aug. 18, 1886, meeting of the Matteawan Board of Trustees was held at 7:15 p.m. in the office of a hat factory, the Matteawan Manufacturing Co. (now The Roundhouse). Its superintendent was Willard H. Mase, the village president, who would later that year be elected to the first of five terms in the state Assembly. In 1887, Mase financed a volunteer fire company that was named for him. One of the first orders of business on Aug. 18 was approving the minutes of the previous meeting. Another was the appointment of Sherwood Phillips as the village clerk. His salary was left "open-carried." In a list of village ordinances, the first prohibited "amusement, such as playing ball, shinny, the discharge of firearms, fireworks," or any other act "by which person or property is endangered." The second notes that the peace and quiet of the village shall not be disturbed on Sunday, under threat of a $10 penalty. The records reflect attention to detail, Caputo noted. A letter from February 1903 advised Miss Van Rensselaer that the Matteawan Board of Trustees had noticed the "flag walk" i...

STANDS, the Student Team for Awareness, Neutrality and District Safety will serve as a bridge between the student body and the Board of Trustees.KVMR News correspondent April Glaser spoke with UC Merced's Dr. Safeeq Khan to learn what the lower than average Sierra snowpack means for foothill communities in 2026.

https://www.cevanstewartauthor.com/ C. Evan Stewart recently retired as a senior partner in an international law firm headquartered in New York City. Mr. Stewart is a visiting professor at Cornell University and an adjunct professor at Fordham Law School. In addition, he is a contributing columnist for the New York Law Journal, New York Business Law Journal, and the Federal Bar Council Quarterly; he has published approximately 300 articles on a variety of legal subjects, and is frequently featured in the national media and regularly speaks across the country on securities, professional responsibility, and complex litigation issues. In 2016, he received the Sanford D. Levy Award from the New York State Bar Association for his contributions to the field of legal ethics. Mr. Stewart is a member of the Council on Foreign Relations and the Economic Club of New York. He is also a Director and Treasurer of Humanities New York. Mr. Stewart has served as a Trustee of Cornell University, Westminster School, the American University of Bulgaria, the American Historical Association, the Young Women's Christian Association of the USA, YMCA Camping Services, and the Federal Bar Council. Mr. Stewart has been recognized by The Legal 500 since 2015, Super Lawyers since 2009, and has also been hailed as a Local Litigation Star by Benchmark Litigation. He is also recognized by The Best Lawyers in America in its securities litigation category. In 2016, Mr. Stewart received the Sanford D. Levy Award from the New York State Bar Association's Ethics Committee for his significant contributions to the field of professional responsibility. In 2008, he received the Modaq Content Award for writing the most popular article in the United States. Since 1980, Mr. Stewart has been AV(R) Peer Review Rated by Martindale-Hubbell. William Henry Seward and the Secession Winter (November 1860 – April 1861) The lively tale of a politically fraught era 165 years in the past and yet highly relevant today. In the winter of 1860-61, one man, William Henry Seward, Republican Senator from New York (the presumptive favorite for the 1860 Republican nomination for president; defeated by Lincoln on the third ballot), labored mightily to effectuate his plan to save the Union. Because of history's (and historians') heavy bias to portray Lincoln as almost a saint (see, for example, Jon Meacham's “And There Was Light: Abraham Lincoln and the American Struggle” (Random House 2022)), Seward's prodigious efforts have either been ignored, given short shrift, or looked upon as something less than honorable. This short book – based upon original archival research and a comprehensive review of secondary sources – tells the story of Seward's efforts. Counter-factual history is always an iffy business. But Seward's “plan” did help to keep the Upper South States in the Union during the months before the president-elect became the president. And had his counsel been followed after March 4th, perhaps the course of American History would have played out very differently.

About the Guest: Wemimo Abbey grew up in Lagos, Nigeria, where he witnessed his mother borrow at 400% interest to fund his education. That early experience inspired him to co-found Esusu, helping millions of Americans get credit for paying rent and access fair financial services. Abbey has been recognized on the TIME100 NEXT List and named EY Entrepreneur of the Year in 2023. He serves on the SEC Small Business Capital Formation Advisory Committee, the Smithsonian National Portrait Gallery, the University of Minnesota Crookston Board of Trustees, LEDA, and co-chairs the LACMA Director Circle. He graduated magna cum laude from the University of Minnesota and earned an M.P.A. from NYU's Robert F. Wagner Graduate School of Public Service. What You Will Learn: How to turn early adversity and rejection into entrepreneurial success The power of resilience, faith, and purpose in leadership Why failure is a stepping stone and “falling forward” accelerates growth Strategies for building mission-driven companies that create tangible impact Lessons on teamwork and collaboration: going far together, not just fast alone Discover how to lead with impact, embrace failure as a tool for growth, and create opportunities for others while building a sustainable business. Join Joe and Wemimo for a conversation full of inspiration, practical wisdom, and the mindset needed to make a difference. Please rate and review this Episode!We'd love to hear from you! Leaving a review helps us ensure we deliver content that resonates with you. Your feedback can inspire others to join our Take Command: A Dale Carnegie Podcast community & benefit from the leadership insights we share.

Columbia Township - Trustees Meeting - March 10, 2026

Ohio State University President Ted Carter has resigned.This comes after the OSU Board of Trustees held a rare meeting on Saturday to discuss personnel matters. Carter was the university president beginning in January of 2024. He was hired after former President Kristina Johnson resigned after two years in the position.A statement from the university said Carter recently disclosed to trustees that he had an inappropriate relationship with someone seeking public resources to support her personal business, and offered to resign.Then, Gov. Mike DeWine prepares to give his final State of the State this week.Will lawmakers embrace his priority projects? They haven't always in the past.President Trump is again pushing to restrict absentee voting; meanwhile, Ohio's Secretary of State complies with an administration demand to turn over our voter registration data over the objection of Democrats.Teachers in Ohio aren't happy. A national survey found their morale lags behind that of educators in other states. Almost half say they expect to leave the classroom in the next 10 years.The war in Iran continues. Ohio lawmakers want the two pension systems to divest their Iranian holdings. How is Vice President JD Vance, previously an anti-interventionist, selling the U.S. attack?Guests:Marty Schladen, reporter, Ohio Capital JournalLaura Hancock, politics and policy reporter, Cleveland.comNoah Blundo, executive editor, Hannah News ServiceIf you have a disability and would like a transcript or other accommodation you can request an alternative format.

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

Ohio State University President Ted Carter has resigned.This comes after the OSU Board of Trustees held a rare meeting on Saturday to discuss personnel matters. Carter was the university president beginning in January of 2024. He was hired after former President Kristina Johnson resigned after two years in the position.A statement from the university said Carter recently disclosed to trustees that he had an inappropriate relationship with someone seeking public resources to support her personal business, and offered to resign.Then, Gov. Mike DeWine prepares to give his final State of the State this week.Will lawmakers embrace his priority projects? They haven't always in the past.President Trump is again pushing to restrict absentee voting; meanwhile, Ohio's Secretary of State complies with an administration demand to turn over our voter registration data over the objection of Democrats.Teachers in Ohio aren't happy. A national survey found their morale lags behind that of educators in other states. Almost half say they expect to leave the classroom in the next 10 years.The war in Iran continues. Ohio lawmakers want the two pension systems to divest their Iranian holdings. How is Vice President JD Vance, previously an anti-interventionist, selling the U.S. attack?Guests:Marty Schladen, reporter, Ohio Capital JournalLaura Hancock, politics and policy reporter, Cleveland.comNoah Blundo, executive editor, Hannah News ServiceIf you have a disability and would like a transcript or other accommodation you can request an alternative format.

In this episode we hear from Matty Caine of First Person Project, who is also a Trustee at MacIntyre. Matty worked as a registered mental health nurse for many years before a personal loss gave him the final push he needed to set up the community social enterprise First Person Project, dedicated to providing innovative mental health services and community connections in Liverpool. Listen to discover Matty's views on supporting good mental health, how we can all help each other, and how his work links to his role as a Trustee at MacIntyre.

Africa Melane speaks to Ebo Quagraine, CEO of Propertyzz.com, about the future of body corporate governance in South Africa, as rising concerns over trustee mismanagement, transparency and accountability put sectional title living under the spotlight. Early Breakfast with Africa Melane is 702’s and CapeTalk’s early morning talk show. Experienced broadcaster Africa Melane brings you the early morning news, sports, business, and interviews politicians and analysts to help make sense of the world. He also enjoys chatting to guests in the lifestyle sphere and the Arts. All the interviews are podcasted for you to catch-up and listen. Thank you for listening to this podcast from Early Breakfast with Africa Melane For more about the show click https://buff.ly/XHry7eQ and find all the catch-up podcasts here https://buff.ly/XJ10LBU Listen live on weekdays between 04:00 and 06:00 (SA Time) to the Early Breakfast with Africa Melane broadcast on 702 https://buff.ly/gk3y0Kj and CapeTalk https://buff.ly/NnFM3N Subscribe to the 702 and CapeTalk daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

OUR PATREON PAGE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/NakedNudistsAndNaturists⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Welcome to "Naked, Nudists, and Naturists", the Official Podcast for the "American Association for Nude Recreation" - and the show that celebrates clothes free living, body acceptance, and removing all barriers to living your best life!Join host Frank Stone and correspondent Lisa Monroe, as they celebrate clothes free living with naturist stories; interviews; nude recreation; accepting your body; developing a positive self body image; and enjoying social naturism for all of the right reasons!(Please note that we are NOT about swinging, sexual activity, streaking, aggressive behavior, or anything else that deviates from the joy of appropriately living without your clothes).From our naturist studio - yes, all employees work each day in the nude (is there any other way?) - to your ears, we are all about bringing the "Naked. Nudists, and Naturists" clothes free lifestyle to all. A new show is all yours every Saturday morning at 6:00 am ET. Join us and enjoy clothes free living! Our show is on Apple Podcasts, Spotify, Google Podcasts, iHeart Radio; and Amazon Music; Find us on Twitter and Bluesky, too! ON TODAY'S SHOW:- JENNY AGEE - AANR Trustee/Ambassadors (Part 1)- LISA/FRANK - Naked in Florida/Discovering Naturism/NumbersAMERICAN ASSOCIATION FOR NUDE RECREATION⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.aanr.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AANR-NWhttps://aanr-nw.orgAMBASSADORS PROGRAMhttps://www.aanr.com/aanr-ambassadors/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Write to us early and often - Website, Email, Spotify, YouTube, or on Patreon, Twitter, and Bluesky, and let us know how your clothes free life is going!OUR WEBSITE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NakedNudistsAndNaturists.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ OUR MERCHANDISE⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://nakednudistsandnaturists.com/shop/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TWITTER⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/NakedForev69351⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BLUESKY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bsky.app/profile/nakedforev69351.bsky.social⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠EMAIL - We want to hear from YOU, so please EMAIL us at: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠NakedForeverMore@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠LISTEN ON:APPLE PODCASTS⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://podcasts.apple.com/us/podcast/naked-nudists-and-naturists/id1695296974⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠SPOTIFY⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/66iqJxLBmseAZ6DkFlUdI5⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

This comprehensive deep dive into trust law covers trustee powers, duties, breaches, and remedies. It explores key concepts like fiduciary duties, self-dealing, investment prudence, and trust modification, providing a detailed framework for exam success.Most trustees kill their own power by ignoring one rule: the duty of loyalty. When Melissa considers buying art from her trust at a premium, she triggers a legal minefield — and the consequences are severe. Bust through the core trust law concepts as we dissect real-world scenarios, revealing the hidden rules governing trustee misconduct, from self-dealing to delegation pitfalls.In this episode, you'll discover:How the split between legal and equitable title creates unique fiduciary duties — and how to spot breach scenarios like unauthorized gifts or inflated sales.The unforgiving "no further inquiry" rule that makes self-dealing a strict liability offense, with limited exceptions like prior court approval or express authorization.How the duty of loyalty enforces strict prohibition against conflicts of interest — including indirect conflicts with family, affiliates, or even post-contract breaches.The modern evolution of the duty of prudence under the Uniform Prudent Investor Act, emphasizing diversification, risk management, and the importance of the decision-making process.The significance of the unitrust adjustment to balance interests of income and remainder beneficiaries, and how to handle conflicts arising from investments, sales, or insurance decisions.Common pitfalls in delegation: selecting, instructing, and monitoring agents properly to avoid personal liability for their misconduct.How courts use remedies like damages, surcharge, disgorgement, or even removing the trustee to enforce strict fiduciary standards.Crucial modification doctrines like the Claflin and Cy-pres doctrines, allowing courts to adapt or end trusts when circumstances change — but only under tight procedural rules.Why does this matter? Because trustees wield immense power over assets that aren't theirs, and the law demands absolute loyalty and prudence — or face harsh penalties. Ignoring these duties can lead to personal liability, loss of assets, or removal from fiduciary duty altogether. Whether you're facing hypothetical exam questions or real-world disputes, understanding these principles gives you the edge to spot breaches, assess damages, and recommend strategic remedies.This episode is perfect for law students, fiduciaries, or anyone involved in trust law. It equips you with a structured analytical framework, grounded in doctrinal depth and real cases, to approach any misconduct scenario with confidence. Prepare to master the highest standards of legal agency — because in trust law, the stakes are as high as the power trustees hold over others' wealth.Key TopicsFiduciary duties of loyalty, prudence, impartialitySelf-dealing and conflict of interest rulesModern portfolio theory and diversificationTrust modification, termination, and the Claflin DoctrineRemedies including disgorgement, constructive trust, removal of trusteestrust law, fiduciary duties, trustee breaches, self-dealing, investment prudence, trust modification, fiduciary remedies, trust law exam prep

For years, environmental advocates and lawmakers have been pushing for a measure that would aim to reduce plastic waste in the state called the packaging reduction and recycling infrastructure act. We dive into the latest updates with the bill and the support around it. SUNY Chancellor John B. King joins us to discuss higher education state funding. The SUNY Board of Trustees estimates about $10 billion over the next five years is needed to address critical maintenance needs for campuses across the state.   EXPLORE MORE: nynow.org

Some members of the Arkansas House of Representatives have expressed concern over the $15 million resolution adopted by the University of Arkansas Board of Trustees, and the UA's $6 million obligation appears to be coming up short. Razorback basketball is coming off a big win over Texas, the baseball team has a four-game series coming up against Stetson, and spring football is just over a week away. Join HawgSports.com publisher Trey Biddy for today's episode of HawgSports LIVE, driven by the Crain Automotive Team... 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

In this new spin-off series, Chair Andrew Whitley and Trustee Sir Vincent Fean sit down for a candid, unscripted conversation on the latest developments shaping Palestine, Israel and Britain's role in the region.Recorded every two months, each episode focuses on the most pressing issues of the moment - from diplomatic shifts and legal developments to UK policy decisions and global political trends that could reshape the landscape.There's no fixed script. Just informed analysis, decades of diplomatic experience, and honest reflection on what's happening - and what it means.If you want context beyond headlines, and insight grounded in international law, diplomacy and lived experience, this is your quarterly briefing.In the first episode of the Britain Palestine Project Situation Report, Chair Andrew Whitley and Trustee Sir Vincent Fean discuss the latest developments shaping the situation in Palestine and Israel and the role Britain and the wider international community should be playing.In a candid and unscripted conversation recorded on 5 March, Andrew and Vincent examine the humanitarian and political situation in Gaza, the accelerating dynamics in the West Bank, and the policy choices facing the UK government. They also reflect on the implications of international law, the role of European states, and the pressures shaping Israeli domestic politics.The conversation draws on decades of diplomatic and policy experience to explore what meaningful action could look like and why maintaining international attention on Palestine remains essential even as global crises shift the headlines.Andrew WhitleyAndrew Whitley is founder and executive director of Geo-Political Advisory Services (GPAS), a UK-based consultancy working on the alleviation of armed conflict in the Middle East and Asia. He previously served as Policy Director and interim Chief Executive of The Elders, was a journalist with the BBC and Financial Times, and founded Human Rights Watch's Middle East and North Africa division. At the United Nations he held senior posts at UNCTAD, the Department of Peacekeeping Operations and UNRWA.Sir Vincent FeanSir Vincent Fean served in the British Diplomatic Service from 1975 to 2014. His final posting was as British Consul-General in Jerusalem (2010–2014). He previously served as Ambassador to Libya and High Commissioner to Malta. Vincent advocates equal rights for Israelis and Palestinians and British government recognition of the State of Palestine alongside Israel on pre-June 1967 lines. He is a Trustee of the Balfour Project.Key themes discussedThe impact of wider regional tensionsThe humanitarian situation in GazaThe relationship between Gaza and the West BankSettlement expansion and the E1 projectInternational law and accountabilityIsraeli domestic politicsThe role of the UK governmentAbout the speakers

Sycamore Township - Public Hearing, CIC & Trustees Meeting - March 3, 2026

Symmes Township - Trustees Meeting - March 3, 2026

In this episode Laura joins a host of (almost entirely female) guests, out on the road in London to talk about how cycle routes deliver - or not - for women's safety. In early 2025 Laura interviewed women on the London Cycling Campaign's Women's Freedom Ride, a mass ride, after dark, to highlight the safety concerns women face when cycling in London - and how some of the capital's routes just don't feel that safe at night.At the time the Women's Network had just launched a report that showed almost a quarter, 24%, of the city's cycle routes did not feel safe at night. This meant routes that were isolated, and in some cases poorly lit. The Network's previous research found that a third of women stop cycling in winter because of safety issues. It also revealed the shocking levels of harassment some women experience on the streets.Unfortunately some of the audio from that ride was unusable because of the challenges of cycling while recording - so undeterred, a year later Laura went out to gather more recordings and find out what has happened for women's safety in the last year. In January 2026, Laura went along to the opening of an almost-finished cycle lane and two junction redesigns at one of London's worst collision hotspots, at Lambeth Bridge. This was sadly the site of a fatal collision in which art designer Moira Gemmill, was killed while cycling in 2015, when a distracted lorry driver turned into her path.This episode Laura spoke to:Kate Bartlett, the mastermind behind the London Cycling Campaign's Women's Network's on-the-ground research around the social safety of London's cycle infrastructureZoe Garbett, Green London Assembly Member Kerena Fussell, London Cycling Campaign Women's Network Deborah from Leytonstone, LCC Women's NetworkNatalie Lyndsey, on the Board of Trustees of the London Cycling CampaignHelen Cansick, head of safe and healthy streets investment planning for Transport for LondonWill Norman, London's Walking and Cycling CommissionerCoverage of the LCC Women's Network's first report from 2024 https://nla.london/news/what-stops-women-cycling-in-london The London Cycling Campaign's Women's Network report, Women's Freedom After Dark, 2025: https://lcc.org.uk/news/womens-freedom-after-dark/Moira Gemmill's death at the hands of a distracted lorry driver: https://www.bbc.co.uk/news/uk-england-london-39027676 Work to improve Lambeth Bridge for cycling https://tfl.gov.uk/info-for/media/press-releases/2025/january/tfl-begins-next-phase-of-work-to-improve-safety-at-lambeth-bridge For ad-free listening, behind-the-scenes and bonus content and to help support the podcast - head to (https://www.patreon.com/StreetsAheadPodcast). We'll even send you some stickers! We're also on Bluesky and welcome your feedback on our episode: https://bsky.app/profile/podstreetsahead.bsky.social Hosted on Acast. See acast.com/privacy for more information.

As we kick off Women's History Month, Susan Esper '91, '19P, '22P joins host Bridget E. Anthony '22, '23G for a conversation about leadership, service, and the path that brought her back to Friartown as chair of the Board of Trustees. In this episode, Esper reflects on her experience as a student, the mentors who shaped her, and the professional journey that unfolded after graduation. She shares insight into what the board of trustees does, what it means to serve as chair, and how decisions that impact the college are made. As the first woman to serve as chair of the board, Esper also speaks about what that milestone means to her, the responsibility and opportunity it carries, and her hopes for the next generation of Friars. This conversation is about more than titles — it's about purpose, perspective, and the lasting impact of a Providence College education.

Igniting the Fire of Commitment Sunday, March 1, 10:50 am, 2026 There is so much in the human heart that is both tender and fragile and ferociously enduring. Fire can be like that quality of what can live in the human heart. How do we know enough about these pieces of ourselves—the ones that matter—to nurture them, protect them, and build a world that does the same? Let's talk about what it takes to do so as we kick off our Annual Giving drive for this next church year. Rev. Vanessa Rush Southern, Senior Minister; Rev. Laura Shennum, Minister of Congregational Life; Mark Caswell, Ministerial Intern; Carl Cade, Trustee; Reiko Oda Lane, organist; UUSF Choir led by Mark Sumner; Wm. García Ganz, pianist Shulee Ong; Eric Shackelford; Eli Boshears, Camera Operators; Desired Effect, Sound; Jonathan Silk, OOS; Kelvin Jones, Jose Matias Pineda, and Dairina Maradiaga, Sextons; Athena Papadakos, Flowers; Linda Messner, Head Usher

ABOUT THE A BUILDING iHeartPodcasts and Imagine Entertainment Launch "The A Building" - A Riveting New Documentary Podcast About the Student Uprising That Reshaped Historically Black Colleges and Universities New Series Recounts How a Group of Morehouse College Students in 1969, Including a Young Samuel L. Jackson, Organized a Protest That Took Multiple Hostages, Among Them Martin Luther King Sr. iHeartPodcasts, the No. 1 podcast publisher globally according to Podtrac, and Brian Grazer and Ron Howard's Imagine Entertainment today announced the launch of "The A Building," a powerful new documentary podcast that revisits one of the most extraordinary and rarely told moments in American civil rights and higher-education history-an event that changed the future of Historically Black Colleges and Universities and helped define the modern era of student protest. This is the seventh title to be released from Imagine Entertainment and iHeartMedia's slate of original iHeartPodcasts. The series tells the story of the 1969 student uprising at Morehouse College, where a group of students barricaded themselves inside the administration building-known on Historically Black Colleges and Universities campuses as "The A Building." Set against the backdrop of late-1960s America, "The A Building" explores a volatile period when student activism surged nationwide amid movements for civil rights, women's rights, labor justice, and opposition to the Vietnam War. At Morehouse, the assassination of Martin Luther King Jr. intensified tensions between the administration and a student body demanding an education that reflected Black history, identity and lived experience-and ultimately led students to hold members of the Board of Trustees hostage for two days demanding reforms to curriculum and improvements to student life. One of the hostages was Martin Luther King Sr., president of the Board of Trustees. One of the student organizers was Samuel L. Jackson-years before he would become one of the most celebrated figures in Hollywood. Samuel L. Jackson and his friends devised a plan to hijack a Board of Trustees meeting to create change. A heist with a purpose. Blending immersive reenactments with firsthand testimony, archival research and expert analysis, the series unfolds with the tension of a true-crime heist-one driven by moral urgency. "The A Building" examines the risks students took, the consequences they faced, and the lasting impact of their actions on Historically Black Colleges and Universities and student activism nationwide. Co-created and produced by Menelek Lumumba and Hans Charles, the podcast traces the aftermath of the protest, including the expulsion of the students involved, the escalation of political pressure, and the pivotal moment that ultimately led Samuel L. Jackson back to Morehouse-where a change in academic focus quietly set him on the path toward acting. "This project has been years in the making, but it feels more relevant than ever," said Menelek Lumumba, co-creator and producer. "I'm grateful we have the opportunity to tell this story about young people who took action, and how their one act of protest continues to reverberate through all those involved over 50 years later." "It's an incredible, unbelievable story when you first hear it," said Hans Charles, co-creator and producer. "That it happened on a campus like Morehouse College, in a city like Atlanta, at such a volatile time, speaks to the importance of telling and exploring what is quintessential American History." "What makes the story of 'The A Building' so compelling is how clearly it reveals the purpose and power of protest," said Nathan Kloke, Executive Producer for Imagine Entertainment. "When Hans and Menelek first brought us this pivotal chapter of American history, it unfolded like a heist film-fast-paced, surprising, and utterly gripping. We're excited to bring audiences along for the ride." "This is premium documentary storytelling that connects history to the present," said Will Pearson, President of iHeartPodcasts. "'The A Building' revisits a moment that feels both historic and urgently relevant, revealing how student voices helped shape lasting institutional change." "The A Building" is part of a growing slate of documentary podcasts from iHeartPodcasts and Imagine Entertainment, including"Hello Isaac," "Unf**cking the Future," "Big Sugar," "The Tao of Muhammad Ali," "Obscurum, and "The Secret World of Roald Dahl," which explore iconic figures, cultural flashpoints, and untold stories through deep reporting and cinematic storytelling. Nathan Kloke and Kara Welker are Executive Producers for Imagine Entertainment in partnership with oddarts media. Katrina Norvell is the Executive Producer for iHeartPodcasts. "The A Building" is distributed by iHeartPodcasts and will be available weekly on Fridays on the iHeartRadio app and everywhere podcasts are heard.Episodes available here: https://podcasts.apple.com/us/podcast/imagine-audio-the-a-building/id1692268936 HOST BIOSHans Charles is an Emmy award-nominated cinematographer and writer/producer, best known for Netflix's 13TH, and Showtime's  WU-TANG CLAN: OF MICS AND MEN. Hans has shot award-winning films that have screened at Tribeca, Sundance, NYFF, and Outfest, among many others. His projects include Netflix's GRASS IS GREENER, CONTACT HIGH, a short film that gives a visual history of hip hop, 1 ANGRY BLACK MAN, a collegiate drama feature Hans both lensed and produced, Lifetime's DEATH SAVED MY LIFE, and Showtime's hit docu series WE NEED TO TALK ABOUT COSBY, which premiered at Sundance 2022 and was nominated for four Emmy Awards. Hans was the cinematographer on The CW's hit series ALL AMERICAN: HOMECOMING and worked on a documentary film with Vespucci Group and Showtime called THE HONEY TRAP, directed by Chris Moukarbel which released in December 2024. He's currently shooting two documentary projects and is developing his next feature film with his creative partner, Menelek Lumumba. Hans is a partner at Align Pictures.Menelek Lumumba is a writer and director who wrote and directed his debut feature film, 1 ANGRY BLACK MAN. The film premiered at the Blackstar Film Festival and screened at dozens of festivals across the country and abroad, winning Best Feature Film at two festivals. It was released by Freestyle Digital Media in June 2020. With his creative partner Hans, Menelek co-created THE A BUILDING, a podcast about the hostage situation at Morehouse College in 1969, produced with Imagine Entertainment and iHeart. Menelek is currently in development on his next feature film.Become a supporter of this podcast: https://www.spreaker.com/podcast/i-am-refocused-radio--2671113/support.Subscribe now at YouTube.com/@RefocusedNetworkThank you for your time. 

Fresno Unified trustees tabled a resolution that would have formally opposed the city’s SEDA (Southeast Development Area) plan, voting 4–3 to set it aside after a tense, hours‑long meeting. Board President Veva Islas blasted the plan as harmful to Fresno Unified and even warned Mayor Jerry Dyer that “threats from the mayor do not deter me,” while other trustees argued the issue falls outside the school board’s jurisdiction. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

iHeartPodcasts and Imagine Entertainment Launch "The A Building" - A Riveting New Documentary Podcast About the Student Uprising That Reshaped Historically Black Colleges and UniversitiesNew Series Recounts How a Group of Morehouse College Students in 1969, Including a Young Samuel L. Jackson, Organized a Protest That Took Multiple Hostages, Among Them Martin Luther King Sr.iHeartPodcasts, the No. 1 podcast publisher globally according to Podtrac, and Brian Grazer and Ron Howard's Imagine Entertainment today announced the launch of "The A Building," a powerful new documentary podcast that revisits one of the most extraordinary and rarely told moments in American civil rights and higher-education history-an event that changed the future of Historically Black Colleges and Universities and helped define the modern era of student protest. This is the seventh title to be released from Imagine Entertainment and iHeartMedia's slate of original iHeartPodcasts.The series tells the story of the 1969 student uprising at Morehouse College, where a group of students barricaded themselves inside the administration building-known on Historically Black Colleges and Universities campuses as "The A Building." Set against the backdrop of late-1960s America, "The A Building" explores a volatile period when student activism surged nationwide amid movements for civil rights, women's rights, labor justice, and opposition to the Vietnam War. At Morehouse, the assassination of Martin Luther King Jr. intensified tensions between the administration and a student body demanding an education that reflected Black history, identity and lived experience-and ultimately led students to hold members of the Board of Trustees hostage for two days demanding reforms to curriculum and improvements to student life.One of the hostages was Martin Luther King Sr., president of the Board of Trustees. One of the student organizers was Samuel L. Jackson-years before he would become one of the most celebrated figures in Hollywood. Samuel L. Jackson and his friends devised a plan to hijack a Board of Trustees meeting to create change. A heist with a purpose.Blending immersive reenactments with firsthand testimony, archival research and expert analysis, the series unfolds with the tension of a true-crime heist-one driven by moral urgency. "The A Building" examines the risks students took, the consequences they faced, and the lasting impact of their actions on Historically Black Colleges and Universities and student activism nationwide.Co-created and produced by Menelek Lumumba and Hans Charles, the podcast traces the aftermath of the protest, including the expulsion of the students involved, the escalation of political pressure, and the pivotal moment that ultimately led Samuel L. Jackson back to Morehouse-where a change in academic focus quietly set him on the path toward acting."This project has been years in the making, but it feels more relevant than ever," said Menelek Lumumba, co-creator and producer. "I'm grateful we have the opportunity to tell this story about young people who took action, and how their one act of protest continues to reverberate through all those involved over 50 years later.""It's an incredible, unbelievable story when you first hear it," said Hans Charles, co-creator and producer. "That it happened on a campus like Morehouse College, in a city like Atlanta, at such a volatile time, speaks to the importance of telling and exploring what is quintessential American History.""What makes the story of 'The A Building' so compelling is how clearly it reveals the purpose and power of protest," said Nathan Kloke, Executive Producer for Imagine Entertainment. "When Hans and Menelek first brought us this pivotal chapter of American history, it unfolded like a heist film-fast-paced, surprising, and utterly gripping. We're excited to bring audiences along for the ride.""This is premium documentary storytelling that connects history to the present," said Will Pearson, President of iHeartPodcasts. "'The A Building' revisits a moment that feels both historic and urgently relevant, revealing how student voices helped shape lasting institutional change.""The A Building" is part of a growing slate of documentary podcasts from iHeartPodcasts and Imagine Entertainment, including"Hello Isaac," "Unf**cking the Future," "Big Sugar," "The Tao of Muhammad Ali," "Obscurum, and "The Secret World of Roald Dahl," which explore iconic figures, cultural flashpoints, and untold stories through deep reporting and cinematic storytelling.Nathan Kloke and Kara Welker are Executive Producers for Imagine Entertainment in partnership with oddarts media. Katrina Norvell is the Executive Producer for iHeartPodcasts."The A Building" is distributed by iHeartPodcasts and will be available weekly on Fridays on the iHeartRadio app and everywhere podcasts are heard.Episodes available here:https://podcasts.apple.com/us/podcast/imagine-audio-the-a-building/id1692268936 Become a supporter of this podcast: https://www.spreaker.com/podcast/arroe-collins-like-it-s-live--4113802/support.

Fresno Unified trustees tabled a resolution that would have formally opposed the city’s SEDA (Southeast Development Area) plan, voting 4–3 to set it aside after a tense, hours‑long meeting. Board President Veva Islas blasted the plan as harmful to Fresno Unified and even warned Mayor Jerry Dyer that “threats from the mayor do not deter me,” while other trustees argued the issue falls outside the school board’s jurisdiction. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

This week on the SEANC View Podcast, we check in with Past President Charles Johnson. Charles served as SEANC President from 2010 to 2012. He also served on the State Health Plan Board of Trustees and on statewide boards for the pension system and criminal justice. He retired from state service, primarily in prisons, where he rose from an entry-level correctional officer to Associate Warden. Charles details how he fought against passing exploding health care costs onto state employees and retirees while on the Plan board. He also discusses his career in prisons, the changing state workforce, the vacancy crisis, and his strategies for retaining employees during his time in leadership. We also discuss early voting turnout for the March 3 Primary Election, and key races that are hotly contested.

In the news today- RCAH theater hosts experimental music collaboration, Trustee doubles down on call to restore diversity efforts at MSU, improve support for Black students, and VP's former institution investigated her fundraising department over the misuse of funds. 

Today, Thursday, February 26 on Urban Forum Northwest:* The "Foot Soldiers" from the March 7, 1965 Bloody Sunday March in Selma Alabama on the Edmund Pettus Bridge where marchers were brutalized by Alabama state troopers with tear gas, dogs, and fire hoses. Attorney Faya Rose Toure', Founder, National Voting Rights Museum and Institute, Selma Bridge Crossing Institute; Sherry Ann Suttles, National Voting Rights Museum and Institute Volunteer; marchers Helen Brooks and George James.*Lyle Quasim, Chair, Tacoma Pierce County Black Collective, an organization that meets every Saturday of the year and has been doing so for over fifty years. Local elected officials, clergy, community and business leaders are members, including Congresswoman Marilyn Strickland. Mr. Quasim was the first African American to be Secretary, Department of Social and Health Services (DSHS), he has served as President of Bates Technical College, Deputy Pierce County Executive. He is currently a member of the University of Puget Sound Board of Trustees.*Hayward Evans, Co Convener Seattle King County Martin Luther King Jr. Commemoration Committee (MLKCC) comments on the organization's February 21 Black History event held at Seattle's Holgate Street Church of Christ where the following individuals were honored, Dr. Beatrice Butler, President Seattle National Black Child Development Institute; Sean Bagsby, Business Manager, IBEW 46; Senator T'wina Nobles 28th LD: and Stephanie Johnson-Toliver, President, Black Heritage Society of Washington,Inc.Urban Forum Northwest streams live at www.1150kknw.com. Visit us at www.urbanforumnw.com for archived programs and relevant information. Like us on Facebook.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Got a story idea for Bloodworks 101? Send us a text message February is Black History Month, a time set aside to honor the contributions Blacks have made in our community. But it's also a time to look ahead at the challenges before us. One prominent Black Seattlite is Harold Scoggins, Seattle's Fire Chief. As a first responder, Scoggins knows the importance of blood donation better than most. And now, as a newly appointed member of the Bloodworks Board of Trustees, the Chief has a deeper understanding of the difference Bloodworks Northwest makes in our community. Recently, the Chief sat down with Bloodworks 101 contributor, Juan Cotto.  Support the show

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With Jim Dickson — Founding Partner and CEO, Elevation Point Overview Louis Diamond speaks with the founder and CEO of Elevation Point about building a next-generation independent platform focused on ownership, minority capital, data strategy, and scalable, durable advisory firms. Listen in… > Download a transcript of this episode… NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. Watch… https://youtu.be/D0-y8Q-DYvg About this episode… For decades, advisors operated under the assumption that there was a single path to success—a defined route dominated by the largest and most prominent firms. Over time, the landscape of options expanded, and the independent space matured. With it came a new set of challenges: how to turn the pursuit of freedom and control into something durable, scalable, and ultimately into a true enterprise. Jim Dickson has been thinking through that challenge for most of his career. After two decades at Merrill, Jim went on to found Sanctuary Wealth (a story we shared earlier in this series), where he played a central role in shaping what supportive independence could look like for growing advisory teams. Today, his own journey has entered a new chapter with Elevation Point—a next-generation independent platform focused on helping advisors take business ownership to a new level, with alignment, scalability, and long-term value at the core. In this episode, Jim and Louis Diamond talk about what led Jim to this new chapter, including: Elevation Point's unique value proposition—and how it fills a gap in the landscape. The value of capital—and how Elevation Point adds value along the way. Increasing enterprise value—and what advisors can do to grow without sacrificing control. Ownership and alignment—and why “how much of the pie you actually own” becomes more important as firms grow. Growth and partnership—and what it really means to build a firm intentionally over time. AI, data, and technology—and how each can support better decision-making. This is a story about yet another evolution in the landscape of options available to advisors—and why the future of independence is less about exits and more about elevation. Want to learn more about where, why, and how advisors like you are moving? Click to contact us or call 908-879-1002. Related Resources The Right Way to Build a TeamThree strategies to create a foundation designed to foster long-term alignment and growth—and, ultimately, a legacy. MaxCeV™: How to Maximize Your Career Enterprise ValueThis tool breaks down four key factors that contribute to career enterprise value, offering a framework for advisors to conceptualize and achieve their full potential. An Advisor's Guide to 2026: What 2025 Set in Motion and What Comes NextAs 2026 comes into focus, advisors face a new set of strategic questions. This Industry Update explores the forces reshaping growth, deal structures, and enterprise value—and what those shifts may signal for the new year and beyond. JIM DICKSON FOUNDING PARTNER AND CEO  Jim Dickson is a seasoned executive, entrepreneur, private investor, and innovator in wealth management with over four decades of experience in the financial services industry. Renowned for his advocacy for independent financial advisors, Jim is a visionary leader with experience in designing and implementing high-growth strategies for advisory firms.  Jim's deep understanding of the industry landscape positions him as a driving force behind transformative change, empowering advisors and firms to thrive in an ever-evolving marketplace. His growth mindset for RIAs and independence-seeking advisors prioritizes an “advisor-first” approach, tailored to an advisor's values and long-term vision.  Jim co-founded Elevation Point with Mark Penske in 2024 to serve as a value-aligned growth partner to independence-focused advisors and RIAs. Jim previously founded and built nationally recognized wealth management firm Sanctuary Wealth, which he launched in 2018. He was the visionary behind Sanctuary Wealth's Partnered IndependenceSM platform, providing elite advisors with all of the tools, services, and resources needed to fully and effectively serve their clients. Under Jim's leadership, it grew rapidly into one of the industry's top RIA firms, with more than $25 billion in assets and 76 partner firms in 28 states by 2023, when he left the firm.  Prior to Sanctuary Wealth, Jim spent 20 years as a senior divisional executive building and leading strategy for Merrill Lynch in Indianapolis and Chicago. He began his career as an accountant at Ernst & Young in Indianapolis.  Jim received his bachelor's degree in accounting and finance from Butler University, where he later served on the Board of Trustees for six years. He has been a leadership conference judge for FFA, a national non-profit organization preparing middle and high school students for careers in agricultural science, business, and technology.

WHEN ASSET PROTECTION LEADS TO HIGHER TRUST TAXES FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA Senior Tax & Planning Advisor Larry Post about how trusts are taxed, why they often reach higher tax brackets quickly, and what trustees and beneficiaries should understand before filing. Learn more about how BWFA supports trustees and families through our Tax Planning services page. Read Full Description Trusts can be powerful estate planning tools, but they come with their own set of tax rules. Many people assume a trust is taxed the same way an individual is taxed. In reality, trust tax brackets are compressed, which means income can be taxed at higher rates much more quickly. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA Senior Tax & Planning Advisor Larry Post about how trusts are taxed, how income is treated inside a trust, and what trustees need to know when preparing annual filings. The conversation explains the difference between income that remains in the trust and income that is distributed to beneficiaries. The episode also highlights how capital gains are typically handled and why distribution decisions can significantly affect the overall tax outcome. Trustees must consider not only investment performance but also the tax implications of retaining income versus passing it through. Larry discusses common misunderstandings, including how trust tax brackets differ from individual brackets and why planning ahead can help avoid unintended tax burdens. He also explains why coordination between trustees, beneficiaries, and tax professionals is essential to ensure compliance and efficiency. Throughout the discussion, the focus remains on clarity. Trust taxation does not have to be overwhelming, but it does require attention to detail and proactive communication. Whether serving as a trustee or receiving distributions as a beneficiary, understanding the structure and reporting requirements can help reduce surprises. This episode reinforces that trusts are not just legal documents. They are financial vehicles that require ongoing management, particularly when it comes to taxation.

PLUS - Polls on AG, Senate and Gubernatorial R primaries.AND - FISD Board of Trustees cancel upcoming election. NO challengers.

Mike shares how his firm's transition to Bowditch & Dewey marked a strategic shift toward greater depth, stability, and long-term growth. He reflects on the realities of law firm mergers, the importance of cultural fit, and why thoughtful, deliberate decision-making matters when navigating professional change. At the same time, he explores what it truly takes to master trial advocacy — not just knowing the rules of evidence but developing the judgment to use them effectively in real time.   With practical insight and courtroom perspective, Mike discusses: Why choosing the right professional “fit” matters more than chasing greener grass How expanded resources and stability strengthen both lawyers and clients Why objections require judgment — not just knowledge of the rules When restraint in the courtroom is more powerful than constant objection How experiential learning builds real courtroom confidence and much more   Mike emphasizes that becoming a strong trial lawyer is an iterative process — one that requires repetition, reflection, and real courtroom experience. He underscores that continuing legal education is not simply a requirement, but a professional obligation and opportunity to refine craft, build community, and elevate standards across the bar.   Featured Guest Mike Sams —Litigation Practice Area Co-Leader at Bowditch & Dewey, Mike is a seasoned trial lawyer and business litigator serving companies throughout New England. He represents clients in complex construction and business disputes before state and federal courts and arbitration forums. A respected advocate and risk management advisor, Mike also chairs MCLE's Making Objections Workshop and serves on MCLE's Board of Trustees. Connect with us on social!Instagram: mcle.newenglandLinkedIn: Massachusetts Continuing Legal Education, Inc. (MCLE│New England)X (Formerly Twitter): MCLENewEnglandBluesky: mclenewengland.bsky.socialFacebook: MCLE New England Important Note:Massachusetts Continuing Legal Education, Inc. (MCLE) is a nonprofit 501(c)(3) organization dedicated to providing high-quality, practical continuing legal education for the legal community. As part of its educational mission, MCLE presents a wide range of viewpoints and instructional content intended solely for educational purposes.The views, thoughts, and opinions expressed by individual participants in this podcast are their own and do not necessarily reflect those of MCLE, its Board of Trustees, staff, or affiliated institutions. Inclusion of any material or commentary does not constitute an endorsement of any position on any issue by MCLE.

Bob Nelson served as the leader of the Fresno Unified School District for seven years before becoming assistant professor in the Department of Educational Leadership at Fresno State. Fresno Unified trustees quietly doubled their own pay during a January meeting, using vague bylaw changes that didn’t disclose the new amounts all while retirees scrambled amid stalled healthcare negotiations and the district faces a $59 million deficit. Workers and union leaders blasted the move, saying frontline staff face cuts and layoffs even as board members boost their own compensation. Teachers, classified staff, and parents spoke out at a Fresno Unified board meeting, strongly opposing planned layoffs and job freezes. Classified workers warned the cuts would undermine classroom support, student transportation, and campus safety, putting schools and students at risk. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

Bob Nelson served as the leader of the Fresno Unified School District for seven years before becoming assistant professor in the Department of Educational Leadership at Fresno State. Fresno Unified trustees quietly doubled their own pay during a January meeting, using vague bylaw changes that didn’t disclose the new amounts all while retirees scrambled amid stalled healthcare negotiations and the district faces a $59 million deficit. Workers and union leaders blasted the move, saying frontline staff face cuts and layoffs even as board members boost their own compensation. Teachers, classified staff, and parents spoke out at a Fresno Unified board meeting, strongly opposing planned layoffs and job freezes. Classified workers warned the cuts would undermine classroom support, student transportation, and campus safety, putting schools and students at risk. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | - Everything KMJ KMJNOW App | Podcasts | Facebook | X | Instagram See omnystudio.com/listener for privacy information.

2026 marks a sacred milestone in the journey of the Sri Sathya Sai Media Centre. The Centre was divinely inaugurated when Bhagawan most graciously pressed the button in Sai Kulwant Hall on November 23, 2001, and was further blessed with His visit to the studio on August 29, 2002. In reverent remembrance of that blessed visit, we celebrate August 29, 2026, as our Silver Jubilee.For 25 years, this instrument of Swami has striven to disseminate His message of selfless service and universal love across as many formats, platforms, and languages as possible, enabling countless souls worldwide to derive solace, strength, energy, and inspiration to face the vicissitudes of life and to march courageously and joyfully along the spiritual path.On the occasion of the Silver Jubilee of this sacred institution, Mr RJ Rathnakar, Managing Trustee of the Sri Sathya Sai Central Trust, shares his insightful words of wisdom and inspiration.

Brian Moreland recently made waves on Broadway as a producer of the groundbreaking revival of Othello, starring Denzel Washington and Jake Gyllenhaal, and directed by Tony Award winner Kenny Leon. The production shattered box office records, becoming the highest-grossing play revival in global history. His impressive repertoire includes the Broadway revival of The Wiz, starring Wayne Brady and Deborah Cox; August Wilson's The Piano Lesson, directed by LaTanya Richardson Jackson and starring Samuel L. Jackson, Danielle Brooks, and John David Washington — which became the highest-grossing revival of the season; The Lifespan of a Fact, featuring Cherry Jones, Daniel Radcliffe, and Bobby Cannavale; Sea Wall / A Life, a moving dual narrative with Jake Gyllenhaal and Tom Sturridge; and The Sound Inside, a compelling drama headlined by Mary-Louise Parker. Hailing from California, Brian now calls New York City home, where he continues to shape the cultural landscape through his visionary storytelling and unwavering passion for the performing arts. His dedication to accessibility and equity in theatre is reflected in his active role with the Theatre Development Fund (TDF), an organization committed to expanding access to live performance. A respected leader within the industry, Brian serves on the Board of Governors of The Broadway League, where he also co-chairs the Multicultural Task Force, advocating for greater diversity and inclusion across the theatre community. He also holds leadership roles as a Board Director for NYC Tourism and Conventions, a Trustee of Broadway Cares/Equity Fights AIDS, and a Trustee of The American Academy of Dramatic Arts, where he helps support and guide the next generation of performing artists. In recognition of his impactful contributions, Brian has been honored with the Board of Directors Distinguished Service Award by the Audelco Awards and acknowledged by the Theatre Communications Group (TCG) for his continued service to the field. Through his compelling productions and steadfast leadership, Moreland has established himself as a transformative force in contemporary theatre. His work not only entertains but also uplifts and challenges audiences, enriching the cultural narrative with stories that reflect the depth, diversity, and complexity of the human experience.Joe Turner's Come and Gone is lead produced by Brian Anthony Moreland with casting by ARC Casting. 101 Productions, Ltd. is serving as general managers.For additional information, please sign up at www.JoeTurnerBway.comConnect with Brian Anthony Moreland:Website: https://www.bmorenowproductions.com/ Instagram: https://www.instagram.com/therealbrianmoreland/?hl=en TurnKey Podcast Productions Important Links:Guest to Gold Video Series: www.TurnkeyPodcast.com/gold The Ultimate Podcast Launch Formula- www.TurnkeyPodcast.com/UPLFplusFREE workshop on how to "Be A Great Guest."Free E-Book 5 Ways to Make Money Podcasting at www.Turnkeypodcast.com/gift Ready to earn 6-figures with your podcast? See if you've got what it takes at TurnkeyPodcast.com/quizSales Training for Podcasters: https://podcasts.apple.com/us/podcast/sales-training-for-podcasters/id1540644376Nice Guys on Business: http://www.niceguysonbusiness.com/subscribe/The Turnkey Podcast: https://podcasts.apple.com/us/podcast/turnkey-podcast/id1485077152

Derek Champagne talks with Lou Shipley, author of Unlikely Entrepreneurs.Lou brings more than three decades of experience in enterprise software as an executive, entrepreneur, and sales leader. Previously, Shipley was President and CEO of Black Duck Software, where he repositioned the leader in open source license and compliance software into an open source security company which led it to a successful acquisition by Synopsys. Prior to Black Duck, Shipley served as President and CEO of Turbonomic (acquired by IBM), and Reflectent Software (acquired by Citrix Systems). Shipley serves on the boards of Wasabi, Fairmarkit and CustomerGauge. He serves on the advisory boards of Exodigo, Teamworks, RapidSOS, SpoilerAlert, Tomorrow..io and Logz.io.Shipley holds a degree in Economics from Trinity College-Hartford (where he also a Trustee), and an MBA from Harvard Business School. He is currently a senior lecturer at Harvard Business School where he teaches four separate classes in Entrepreneurial Sales and go to market strategy.  In Unlikely Entrepreneurs: Wins, Losses and Crucial Advice in Building Great Companies, the authors―who hail from Harvard Business School and MIT Sloan School of Management―combine expert insights, elements of the case study method, and an engaging story-telling style to take a deep dive into the key challenges that founders face. They set the stage for each profile-―including those of entrepreneurs helming billion dollar companies to mom-and-pop businesses―whose colorful, unlikely stories showcase entrepreneurial best practices that readers can adopt to succeed. Order Unlikely EntrepreneursBusiness Leadership Series Intro and Outro music provided by Just Off Turner: https://music.apple.com/za/album/the-long-walk-back/268386576

Derek Champagne talks with Lou Shipley, author of Unlikely Entrepreneurs.Lou brings more than three decades of experience in enterprise software as an executive, entrepreneur, and sales leader. Previously, Shipley was President and CEO of Black Duck Software, where he repositioned the leader in open source license and compliance software into an open source security company which led it to a successful acquisition by Synopsys. Prior to Black Duck, Shipley served as President and CEO of Turbonomic (acquired by IBM), and Reflectent Software (acquired by Citrix Systems). Shipley serves on the boards of Wasabi, Fairmarkit and CustomerGauge. He serves on the advisory boards of Exodigo, Teamworks, RapidSOS, SpoilerAlert, Tomorrow..io and Logz.io.Shipley holds a degree in Economics from Trinity College-Hartford (where he also a Trustee), and an MBA from Harvard Business School. He is currently a senior lecturer at Harvard Business School where he teaches four separate classes in Entrepreneurial Sales and go to market strategy.  In Unlikely Entrepreneurs: Wins, Losses and Crucial Advice in Building Great Companies, the authors―who hail from Harvard Business School and MIT Sloan School of Management―combine expert insights, elements of the case study method, and an engaging story-telling style to take a deep dive into the key challenges that founders face. They set the stage for each profile-―including those of entrepreneurs helming billion dollar companies to mom-and-pop businesses―whose colorful, unlikely stories showcase entrepreneurial best practices that readers can adopt to succeed. Order Unlikely Entrepreneurs Business Leadership Series Intro and Outro music provided by Just Off Turner: https://music.apple.com/za/album/the-long-walk-back/268386576

The Excellence of a Horse: A Lunar New Year Celebration Sunday, February 22, 2026 As we welcome the Year of the Horse, we celebrate an animal that has long represented “excellence” in Chinese folklore and around the world—admired for speed, agility, or endurance. In this new year of intentions and resolutions, we might also ask ourselves, what makes a human excellent? Is it our abilities, our accomplishments—or is it the quality of our character? Across cultures, from Chinese to Greek philosophy, thinkers have returned to the same conviction: What makes up human excellence is the inner strength of our values. Join Rev. Seanan Fong, UUSF Affiliated Community Minister and founder of the San Francisco Contemplarium, in this season of new beginnings as we set our intentions for the kind of people we aspire to be. Seanan Fong, Affiliated Community Minister; Rev. Vanessa Rush Southern, Senior Minister; Sam King, Worship Associate; Lori Lai, Worship Associate; Julia Wald, Trustee; Haruka and Yuki Ota, cellists; Ben Rudiak-Gould, songleader; Wm. García Ganz, pianist Eric Shackelford; Shulee Ong; Eli Boshears, Camera Operators; Jonathan Silk, Communications Director; Kelvin Jones, Jose Matias Pineda, and Dairina Maradiaga, Sextons; Athena Papadacos, Flowers; Linda Messner, Head Usher

Learn more about David here: http://wetrustdavid.org/Bio Learn more about NYCTRS: https://www.trsnyc.org

One by one, Ontario school boards are being taken under the control of the provincial government, as Education Minister Paul Calandra says is in an attempt to fix reported financial mismanagement. Instead, the ministry has either appointed supervisors to oversee boards, or in some cases, Calandra himself will take direct control - a job he claims comes with no extra pay. However critics believe the move is a power-hungry one, and comes at the expense of students' wellbeing, as well as local democracy. Host Maria Kestane speaks to 680 NewsRadio Queen's Park reporter, Richard Southern, and Vice President of the Ontario Secondary School Teacher's Federation, Colin Matthew, to break down what's behind the takeovers, and what they believe the Ford government has up its sleeve. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky

Name covered in this lesson al-Wakeel (The Trustee, The Disposer of Affairs) In the Qur'an, Allah says, "To Allah belongs the Most Beautiful Names, so call on Him by them" (7:180). This verse encourages people to worship Allah by praising Him with His beautiful names and making du'ā'. In this series Dr. Mufti Abdur-Rahman goes through the famous 99 names of Allah and provides practical examples on which name to call on Him in different situations. Learning the names of Allah, or Asma ul-Husna, can help people get closer to Allah. Link to donate: https://www.whitethread.org/donate/ Whatsapp Channel: https://www.whatsapp.com/channel/0029VaDV1iu5a249gftHif0D

In this episode of The Fertility Podcast, I'm joined by Dr Carole Gilling-Smith, Medical Director of The Agora Clinic and Trustee of Fertility Action, to talk about family building within the LGBTQ+ community.If you are part of the LGBTQ+ community and thinking about becoming a parent, or you love someone who is, this episode is a practical starting point. We talk about treatment pathways, donor conception, fertility preservation, NHS inequality, and how to make sure you are supported properly by a clinic that understands your needs.This is about education, empowerment and knowing your options.What we cover in this episodeWhy fertility equality on the NHS is still not where it should beThe postcode lottery affecting IVF fundingWhy three full IVF cycles should be the national standardThe additional financial barriers faced by same sex couplesWhy six self funded IUIs before NHS eligibility is deeply problematicThe risks of sourcing donor sperm onlineChoosing between known donors and donor banksHow clinics should approach inclusive paperwork and languageWhy pronouns and preferred names matter in clinical settingsShared motherhood and reciprocal IVFFertility testing for both partners before deciding who carriesSupporting gay male couples through complex pathways involving egg donation and surrogacyWorking with the trans community around fertility preservationPreserving sperm or eggs before starting hormone treatmentThe emotional impact of genetic connection and non biological parentingWhy counselling is essential before treatment beginsSupporting patients who fear internal examinations or surgical environmentsCreating clinic spaces that feel safe, calm and inclusiveAbout Dr Carole Gilling-SmithDr Carole Gilling-Smith is the Medical Director of The Agora Clinic, one of the UK's leading fertility clinics for the LGBTQ+ community, based in Brighton and Hove.She is also a founding Trustee of Fertility Action, the UK charity campaigning for fertility equality and better access to treatment.Carole has been a long standing advocate for:Equal NHS funding for fertility treatmentInclusive fertility care for LGBTQ+ patientsFertility education in schools and universities

Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just “lowest fees,” including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning

Choosing a corporate trustee is one of the most important decisions in estate planning—especially if you're naming a bank, brokerage trust department, or independent trust company to manage assets and carry out your wishes after you're gone. Lance Roberts & Jon Penn break down how to compare corporate trustees beyond just "lowest fees," including fiduciary standards, investment flexibility, service model, administrative capabilities, distribution discipline, technology/reporting, continuity, and how they handle family dynamics. We also cover the key differences between revocable and irrevocable trusts, including where each is typically used, how control and flexibility change, and why trustee selection matters even more once a trust becomes irrevocable. Finally, we explain Trust Protectors—what they do, why they can be a critical safeguard, and how they may help your beneficiaries replace a trustee later if service, philosophy, or circumstances change. For educational purposes only. This discussion is general in nature and not individualized legal, tax, or investment advice—talk with your estate attorney and tax professional to apply these concepts to your situation. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w Senior Investment Advisor, Jonathan Penn, CFP Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:19 - Bifurcated Markets - Over Sold, Over Bought 3:09 - Markets Challenge 100-DMA 7:57 - The Danger in Overlooking the Importance of Trusts 11:21 - Don't Scrimp on Speedo's or Estate Plans 14:24 - Where There's a Will... 17:51 - Medical, Durable Powers of Attorney 20:26 - The Parties to a Trust 23:45 - Setting Up the Trust 29:34 - Wills vs Beneficiary Directions 32:00 - Who Do You Designate as Trustee? 36:27 - Choosing the Right Corporate Trustee 39:20 - Estate Taxes & Exemptions 40:55 - Passing Assets to Children Who Marry & Divorce 43:51 - Legal Zoom & On Line Platforms 46:15 - Trust Protectors 47:39 - The Cost of Setting Up a Trust 52:54 - What is Required to Change a Trust Company? ------- Register for our next Candid Coffee, 2/21/26: https://streamyard.com/watch/Wq3Yvn9ny5GV ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/MU8qVbSiqxY?feature=share ------- Articles Mentioned in Today's Show: "Seasonality: Buy Signal And Investing Outcomes" https://realinvestmentadvice.com/resources/blog/seasonality-buy-signal-and-investing-outcomes/ "Technology Stocks: Dead Or An Opportunity?" https://realinvestmentadvice.com/resources/blog/technology-stocks-dead-or-an-opportunity/ ------- Watch our previous show, "Margin Debt & the One-Stock Myth," here: https://youtube.com/live/MU8qVbSiqxY?feature=share -------- The latest installment of our new feature, Before the Bell, "100-DMA Test - Momentum Fades, Rotation Shifts," is here: https://youtu.be/Qkkl5m8hY7w ------- Visit our E-book Library (no library card required!) https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarketUpdate #SP500 #TechnicalAnalysis #RiskManagement #MarketRotation #EstatePlanning #Trusts #Trustee #WealthManagement #FinancialPlanning

Recently, Rabbi Meir Soloveichik and Carlos Campo, president of the Museum of the Bible, joined the CEO of Tikvah, Eric Cohen, for a conversation about cherishing and strengthening America's heritage of religious freedom. They were convened by the Levy Forum for Open Discourse, now in its fourth season, an initiative that is sponsored by the American Council of Trustees and Alumni, generously funded by Paul and Karen Levy, and hosted by the Palm Beach Synagogue. More information about Levy Forum programs and video recordings can be found at https://goacta.org. This week, we're sharing a special broadcast of this important conversation, which delves into who we are as Americans, the country's biblical heritage, and what it means to be a covenantal nation. This episode of the Tikvah Podcast is generously sponsored by Steve and Deborah Kleinman in memory of Steve's grandmother, Gittel Fox. If you are interested in sponsoring an episode of the Tikvah Podcast, we invite you to join the Tikvah Ideas Circle. Visit tikvah.org/circle to learn more and join.