Podcasts about umh

Send us a textCraig Geeky shares his philosophy on raising three talented hockey players, including NHL stars Morgan and Connor, through a multi-sport approach in a small town of just 150 people.• Creating a pathway to hockey success by having kids play multiple sports (badminton, curling, basketball, volleyball, track, baseball)• Building a strong foundation through accountability, self-assessment, and objective feedback• Delaying specialization until age 16-17 when his sons naturally chose their preferred sport• Developing perseverance, leadership, and teamwork by playing with varied skill levels in a small community• Emphasizing character development and life skills over NHL aspirations• Supporting his sons in missing hockey events for provincial tournaments in other sports• Understanding that each player's development path is unique - "no path is going to be the same"• Working with coaches who provide accountability while showing genuine belief in player potential• Participating in the UMH 68 Invitational to create opportunities for young players in Manitoba• Valuing the educational and developmental aspects of hockey beyond just competitionParents and players interested in the UMH 68 Invitational in Manitoba starting May 29th should visit upmyhockey.com and fill out the watch list form for consideration or see link blow.MB 2011 https://docs.google.com/forms/d/e/1FAIpQLScuAXXLsLb9N8X3tnP71FpwGjPj-4K1TaxlO4cicurGTeEi_w/viewformBC 2012 https://docs.google.com/forms/d/e/1FAIpQLSfipqujezcRNyFOiWO6PISEFCpxbf0nj6GYt4UcZs3j3J_Rag/viewformBC 2011 https://docs.google.com/forms/d/e/1FAIpQLSf3hch0UvEu-1tBXzzXTFvbEKr3FCXxTAM5LMJT7RWIvm8iwA/viewformSK 2012 https://docs.google.com/forms/d/e/1FAIpQLSefCCa-eu5HPlu9cSSuHInMDorVkz5prkCKsIe4QGti_xsfDg/viewform

APRIL 27, 2025 SECOND SUNDAY OF EASTER GUEST PREACHER - REV. MICHAEL AIRGOOD ORGANIST JAMES ROSS * Please Stand If Able Prelude – Prelude on Laude Anima – Elizabeth Krouse Welcome & Announcements *Call to Worship Leader: The Lord has done it this very day; let us rejoice today and be glad. People: Lord, save us! Lord, grant us success! Leader: Blessed is he who comes in the name of the Lord. From the house of the Lord, we bless you. People: The Lord is God, and he has made his light shine on us. Leader: With boughs in hand, join in the festival procession up to the horns of the altar. People: You are my God and I will praise you! Leader: You are my God, and I will exalt you. All: Give thanks to the Lord, for he is good; his love endures forever. * Opening Hymn – “Christ is Risen” – UMH #307 *Prayer of Confession Our Lord Jesus, We find ourselves in the locked doors of ourselves, just as the disciples were behind closed doors. We too are afraid, perhaps for a different reason than theirs. But we too need the breath of the Holy Spirit to take away our fears so that we can come out from behind these locked doors. Lord, we are like Thomas with our questions and our doubts. We sometimes need to see in order to believe, we need you in order to have faith. We too need the peace you bring because our world is fraught with violence, and unrest. Just as Thomas confessed you are his Lord and his God, we boldly claim you for our lives. We thank you for the blessing you have given us, the ones who believe without seeing. May the doors of our churches be open to all and that doubters be welcomed here. In the name of the risen Lord Jesus, Amen. Children’s Chat Scripture – John 20:24-31 Pastor: The Word of God for the people of God. People: Thanks be to God. Sermon - “What Grave?” Tithes and Offering Offertory – Prelude on Beach Spring – William Allen Pasch *Doxology – Praise God from Whom All Blessings Flow #94 Prayers of the People - Joys and Concerns *Prayer Hymn – “Walk On, O People of God” – UMH #305 Pastoral Prayer & Lord’s Prayer *Closing Hymn – “Crown Him With Many Crowns” - UMH #327 Action Steps and Benediction Postlude – Hail the Festival Day – Daniel Burton Thank you for sharing in this worship service. Please continue to stay in touch through our website (stoneumc.org) and/or by following us on Facebook (Stone UMC). If you have joys or concerns that you would like lifted up in prayer, please fill out the Prayer Card in the pew, on the website, or share them by contacting us at 814-724-6736 or churchoffice@stoneumc.org

APRIL 27, 2025 SECOND SUNDAY OF EASTER GUEST PREACHER - REV. MICHAEL AIRGOOD ORGANIST JAMES ROSS * Please Stand If Able Prelude – Prelude on Laude Anima – Elizabeth Krouse Welcome & Announcements *Call to Worship Leader: The Lord has done it this very day; let us rejoice today and be glad. People: Lord, save us! Lord, grant us success! Leader: Blessed is he who comes in the name of the Lord. From the house of the Lord, we bless you. People: The Lord is God, and he has made his light shine on us. Leader: With boughs in hand, join in the festival procession up to the horns of the altar. People: You are my God and I will praise you! Leader: You are my God, and I will exalt you. All: Give thanks to the Lord, for he is good; his love endures forever. * Opening Hymn – “Christ is Risen” – UMH #307 *Prayer of Confession Our Lord Jesus, We find ourselves in the locked doors of ourselves, just as the disciples were behind closed doors. We too are afraid, perhaps for a different reason than theirs. But we too need the breath of the Holy Spirit to take away our fears so that we can come out from behind these locked doors. Lord, we are like Thomas with our questions and our doubts. We sometimes need to see in order to believe, we need you in order to have faith. We too need the peace you bring because our world is fraught with violence, and unrest. Just as Thomas confessed you are his Lord and his God, we boldly claim you for our lives. We thank you for the blessing you have given us, the ones who believe without seeing. May the doors of our churches be open to all and that doubters be welcomed here. In the name of the risen Lord Jesus, Amen. Children’s Chat Scripture – John 20:24-31 Pastor: The Word of God for the people of God. People: Thanks be to God. Sermon - “What Grave?” Tithes and Offering Offertory – Prelude on Beach Spring – William Allen Pasch *Doxology – Praise God from Whom All Blessings Flow #94 Prayers of the People - Joys and Concerns *Prayer Hymn – “Walk On, O People of God” – UMH #305 Pastoral Prayer & Lord’s Prayer *Closing Hymn – “Crown Him With Many Crowns” - UMH #327 Action Steps and Benediction Postlude – Hail the Festival Day – Daniel Burton Thank you for sharing in this worship service. Please continue to stay in touch through our website (stoneumc.org) and/or by following us on Facebook (Stone UMC). If you have joys or concerns that you would like lifted up in prayer, please fill out the Prayer Card in the pew, on the website, or share them by contacting us at 814-724-6736 or churchoffice@stoneumc.org

APRIL 20, 2025 EASTER SUNDAY REV. KENDRA BALLIET ORGANIST JAMES ROSS PRELUDE – Christ is Ris’n, Alleluia – Anthony Giamanco ENTRANCE The service begins in silence. A processional party (clergy, worship leaders) gather at the back of the worship space. Reading: The Mourning John 20:1 Response (sung): Low in the grave he lay, Jesus my savior, Waiting the coming day, Jesus my Lord! The procession begins during the singing and proceeds to the baptismal font, placed in a main aisle, well in front of the Lord’s table. Reading: The Investigation John 20: 2-10 Response: “Up from the Grave He Arose” -UMH #322, vs 2 (no chorus) The procession continues and all in it reach their destinations. Reading: The Encounter John 20:11-17 Response: “Up from the Grave He Arose” - UMH #322, vs 3 & chorus The Easter Acclamation (3x) Leader: Alleluia! Christ is risen. People: The Lord is risen indeed. Alleluia! Children’s Chat Offertory (Our Gratitude to the Lord) – Voluntary on “Victory” -Robert Lind Doxology Prayers of the People Prayer Hymn “Christ the Lord Is Risen Today” - UMH #302 Pastoral Prayer Reading John 20:18 Sermon - “Beautiful Pieces” THANKSGIVING AND COMMUNION Alleluia. The risen Christ is with us. Hallelujah! Hallelujah! Death is conquered! Sin’s power is broken. Praise to you, Conquering God! We have seen your glory. And we are yours! We are yours, all yours, blessed Triune God, all our lives, all our thanks, all our praise, we give it all to you, with all our bodies, and minds, and voices. Yours, all yours! Yours the blessing, yours the praise, from the unimaginable silence before creation, beyond the farthest reaches of time and space our instruments may ever find, from infinity to infinity, everlasting to everlasting, you are God, boundless in love and power. We stand in awe, trembling in the light of your glory! What are we that you should notice us? What are we that you should love us? What are we that you should call us into covenant with you, a covenant we continually broke, and you continuously sustained. Mercy! How full of mercy! How can we but praise you, joining our voices with the song of angels and saints, seraphim and martyrs, strangers and family in every generation: Jesus Christ who comes in our God's name, you are worthy, worthy! Lamb of God who died and rose again, you are worthy, worthy! Hosanna now we sing! Hosanna now we sing! You are holy, O God! Holy! You are worthy, O Christ! Worthy! Worthy in your birth! Worthy in your living! Worthy in your loving! Worthy in your serving! Worthy when you preached good news that God's kingdom has drawn near and gather disciples, then and now, to learn and show the world what life in God's reign means: healing for the sick. new life for the dead, cleansing for the lepers, freedom for the possessed, new birth, new hope, new creation breaking in for all. Worthy! Worthy! Worthy above all! Worthy too, the night we betrayed you, when you took the bread, blessed it and broke it, and gave it to your disciples. Worthy when you told them, "This is my body broken for you. Remember me." We remember. Worthy when you took the cup, praised God and shared it, and worthy when you said, "This is my blood of the new covenant for you. Remember me." We remember. And on this day of days, we proclaim above all, worthy were you when the angels rolled away the stone, and you came forth from the tomb, trampling down death by death and to all in the graves restoring life. We remember, and we praise you with our lives. We remember, and we praise you with our lives and these gifts of bread and wine, proclaiming with one voice the mystery of faith: Christ has died. Christ is risen. Christ will come again. Even so, come upon us, Holy Spirit. Come upon us, Holy Spirit. Come upon these gifts. Come upon these gifts. Make them be for us Christ's body, Christ's blood. Make us one body in Christ enlivened by his blood. One in heart, one in mind, one in you, Holy Spirit, as you move us to pray for the church and the world: That we with Mary Magdalene may proclaim the gospel boldly: Hear us, O God. That we may offer your healing for all who are sick, or torn, or weary: Hear us, O God. That many dead and left for dead may be raised, and death’s power vanquished: Hear us, O God. That all who are unclean may receive your cleansing grace: Hear us, O God. That all who are possessed, oppressed, distressed, depressed and downcast may be set free at last. Hear us, O God. Even so, come and fill this feast, Holy Spirit, this day, and every day until that day when we eat it new at the marriage supper of the Lamb and our Easter rejoicing shall know no end. All blessing, honor, glory and power be yours, Holy Triune God, now and forever. Amen! Communion THANKSGIVING AFTER COMMUNION Triune God, you have fed us with the body and blood of Christ, uniting us with you, filling us with the power that raised Jesus from the dead. Send us, rejoicing, to declare with Mary, in hearts, and hands, and voices, that day has dawned, and we have seen the Risen Lord. Amen. *HYMN “He Lives” # 310 SENDING FORTH Pastor: Go in peace, filled with the love and power of the Risen Christ. Alleluia! Alleluia! Thanks be to God. Alleluia! Alleluia! POSTLUDE – Toccata – C.M. Widor Expect this service to change at any moment upon the movement of the Holy Spirit. This service will be recorded.

APRIL 20, 2025 EASTER SUNDAY REV. KENDRA BALLIET ORGANIST JAMES ROSS PRELUDE – Christ is Ris’n, Alleluia – Anthony Giamanco ENTRANCE The service begins in silence. A processional party (clergy, worship leaders) gather at the back of the worship space. Reading: The Mourning John 20:1 Response (sung): Low in the grave he lay, Jesus my savior, Waiting the coming day, Jesus my Lord! The procession begins during the singing and proceeds to the baptismal font, placed in a main aisle, well in front of the Lord’s table. Reading: The Investigation John 20: 2-10 Response: “Up from the Grave He Arose” -UMH #322, vs 2 (no chorus) The procession continues and all in it reach their destinations. Reading: The Encounter John 20:11-17 Response: “Up from the Grave He Arose” - UMH #322, vs 3 & chorus The Easter Acclamation (3x) Leader: Alleluia! Christ is risen. People: The Lord is risen indeed. Alleluia! Children’s Chat Offertory (Our Gratitude to the Lord) – Voluntary on “Victory” -Robert Lind Doxology Prayers of the People Prayer Hymn “Christ the Lord Is Risen Today” - UMH #302 Pastoral Prayer Reading John 20:18 Sermon - “Beautiful Pieces” THANKSGIVING AND COMMUNION Alleluia. The risen Christ is with us. Hallelujah! Hallelujah! Death is conquered! Sin’s power is broken. Praise to you, Conquering God! We have seen your glory. And we are yours! We are yours, all yours, blessed Triune God, all our lives, all our thanks, all our praise, we give it all to you, with all our bodies, and minds, and voices. Yours, all yours! Yours the blessing, yours the praise, from the unimaginable silence before creation, beyond the farthest reaches of time and space our instruments may ever find, from infinity to infinity, everlasting to everlasting, you are God, boundless in love and power. We stand in awe, trembling in the light of your glory! What are we that you should notice us? What are we that you should love us? What are we that you should call us into covenant with you, a covenant we continually broke, and you continuously sustained. Mercy! How full of mercy! How can we but praise you, joining our voices with the song of angels and saints, seraphim and martyrs, strangers and family in every generation: Jesus Christ who comes in our God's name, you are worthy, worthy! Lamb of God who died and rose again, you are worthy, worthy! Hosanna now we sing! Hosanna now we sing! You are holy, O God! Holy! You are worthy, O Christ! Worthy! Worthy in your birth! Worthy in your living! Worthy in your loving! Worthy in your serving! Worthy when you preached good news that God's kingdom has drawn near and gather disciples, then and now, to learn and show the world what life in God's reign means: healing for the sick. new life for the dead, cleansing for the lepers, freedom for the possessed, new birth, new hope, new creation breaking in for all. Worthy! Worthy! Worthy above all! Worthy too, the night we betrayed you, when you took the bread, blessed it and broke it, and gave it to your disciples. Worthy when you told them, "This is my body broken for you. Remember me." We remember. Worthy when you took the cup, praised God and shared it, and worthy when you said, "This is my blood of the new covenant for you. Remember me." We remember. And on this day of days, we proclaim above all, worthy were you when the angels rolled away the stone, and you came forth from the tomb, trampling down death by death and to all in the graves restoring life. We remember, and we praise you with our lives. We remember, and we praise you with our lives and these gifts of bread and wine, proclaiming with one voice the mystery of faith: Christ has died. Christ is risen. Christ will come again. Even so, come upon us, Holy Spirit. Come upon us, Holy Spirit. Come upon these gifts. Come upon these gifts. Make them be for us Christ's body, Christ's blood. Make us one body in Christ enlivened by his blood. One in heart, one in mind, one in you, Holy Spirit, as you move us to pray for the church and the world: That we with Mary Magdalene may proclaim the gospel boldly: Hear us, O God. That we may offer your healing for all who are sick, or torn, or weary: Hear us, O God. That many dead and left for dead may be raised, and death’s power vanquished: Hear us, O God. That all who are unclean may receive your cleansing grace: Hear us, O God. That all who are possessed, oppressed, distressed, depressed and downcast may be set free at last. Hear us, O God. Even so, come and fill this feast, Holy Spirit, this day, and every day until that day when we eat it new at the marriage supper of the Lamb and our Easter rejoicing shall know no end. All blessing, honor, glory and power be yours, Holy Triune God, now and forever. Amen! Communion THANKSGIVING AFTER COMMUNION Triune God, you have fed us with the body and blood of Christ, uniting us with you, filling us with the power that raised Jesus from the dead. Send us, rejoicing, to declare with Mary, in hearts, and hands, and voices, that day has dawned, and we have seen the Risen Lord. Amen. *HYMN “He Lives” # 310 SENDING FORTH Pastor: Go in peace, filled with the love and power of the Risen Christ. Alleluia! Alleluia! Thanks be to God. Alleluia! Alleluia! POSTLUDE – Toccata – C.M. Widor Expect this service to change at any moment upon the movement of the Holy Spirit. This service will be recorded.

Von Mädchen mit Bubiköpfen, Politikern mit Umhängebärten und einem Götz-Zitat vor Gericht... (Weltbühne, 3.2.1925).

Un proyecto del Instituto de Neurociencias UMH-CSIC desarrollará soluciones terapéuticas para la ansiedad social y la esquizofrenia: Un equipo liderado por Félix Leroy en el Instituto de Neurociencias (IN), centro mixto del Consejo Superior de Investigaciones Científicas (CSIC) y la Universidad Miguel Hernández (UMH) de Elche, ha desarrollado un prometedor enfoque para abordar los problemas de interacción social que afectan a personas con trastornos como la esquizofrenia y la ansiedad social. El investigador, que dirige el laboratorio Cognición e interacciones sociales, ha recibido una nueva ayuda del Consejo Europeo de Investigación (ERC, por sus siglas en inglés) para avanzar en el desarrollo de nuevas estrategias terapéuticas basadas en la modulación de circuitos neuronales implicados en la socialización.

UMH is changing the world of wealth management, helping clients earn more and keep more through tax-smart, multi-account coordination. Many advisory firms recognize the benefits of UMH but often face challenges with its adoption. Having access to the right tools and technology solutions, however, best positions firms and advisors to increase assets under management. In this episode, Jack Sharry talks with Scott Smith, Director of Advice Relationships at Cerulli Associates and member of the CFP Board's Digital Advice Working Group. Scott has more than 20 years of experience in the financial services industry and leads Cerulli's research on investor behavior and advisory relationships. His research helps clients understand how to optimize their platforms. Jack and Scott discuss UMH, its core elements, and how it revolutionizes financial advisory services. Scott also unpacks his findings on UMH adoption, the challenges advisors face in its implementation, and the innovative solutions paving the way forward. In this episode: [02:05] - Implementing UMH [04:58] - The core elements of UMH [07:19] - Research methodology and findings on UMH adoption [13:09] - Asset location and its complexities [16:02] - Identifying and addressing barriers to UMH implementation [19:44] - The growing demand for retirement income solutions [23:02] - The future of asset location and income generation [25:31] - Scott's key takeaways [28:32] - Scott's interests outside of work Quotes [14:25] - "People are just getting overwhelmed by the number of accounts they have and the number of passwords they have. Anything we can do to make a client's life easier, bring those things together, and not have them worry about is a compelling story." ~ Scott Smith [25:43] - "Every tax optimization strategy is great, but it only matters if advisors use it. So, lack of adoption is the barrier to real impact." ~ Scott Smith [26:14] - "It (tax optimization strategy) has to be easy to understand. It has to be easier for advisors to use than what they're doing right now. And it has to be easy to explain the benefits to clients." ~ Scott Smith Links  Scott Smith on LinkedIn Cerulli Associates 55ip EY Vanguard Morningstar Envestnet Morgan Stanley Fidelity Investments Charles Schwab Kismet Improv Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Die wichtigste Entscheidung Deines Lebens triffst Du jeden Tag aufs Neue: Mit wem verbringst Du Deine Zeit? In dieser Folge erfährst Du, woran Du Menschen erkennst, die Dir wirklich guttun. Inspiriert von der stoischen Philosophie teile ich meine persönlichen Erfahrungen und Erkenntnisse, die Dir helfen werden, Dein Umfeld besser einzuschätzen. Denn oft übersehen wir genau die Menschen, die uns Stabilität und Ruhe bringen, weil sie auf den ersten Blick weniger aufregend erscheinen. Seneca sagt: "Wer die Menschen kennenlernen will, muss in ihr Inneres schauen. Äußerlichkeiten, Titel und alles, was durch Zufall kommt, ist nur Beiwerk und leichte Umhüllung."Die 10 wichtigsten Eigenschaften auf einen Blick:Können sich aufrichtig entschuldigenÜbernehmen Verantwortung für ihr HandelnLeben echte LoyalitätKönnen gut alleine seinSind nicht materialistisch eingestelltUrteilen nicht über Deine VergangenheitWertschätzen gemeinsame ZeitKönnen "Nein" sagenHaben echten HumorSind aufmerksame ZuhörerDie 5 wichtigsten Botschaften dieser Folge:Das Paradox des Miteinanders: Wir brauchen andere Menschen zum Glücklichsein, gleichzeitig entstehen dadurch auch unsere größten HerausforderungenMenschen, die uns guttun, erscheinen oft zunächst "langweilig", weil sie Träger der Ruhe sindBei toxischen Beziehungen, die sich nicht vermeiden lassen, hilft nur eines: Abstand - innerlich oder räumlichGute Beziehungen entwickeln sich natürlich und alle Beteiligten profitieren davonLust auf mehr stoische Gelassenheit? ⬇️Gerne!

This week, WealthTech on Deck producer Matt Nollman takes over hosting duties to interview Jack Sharry about the podcast's standout moments of 2024. They discuss the evolution and future of UMH, including the transformative impact of LifeYield's recent acquisition by SEI. Jack highlights pivotal industry conversations with leaders advancing UMH capabilities, explores strategies for overcoming implementation challenges, and emphasizes the importance of innovation for financial advisors and firms. Jack also shares key career advice that has shaped his professional journey. In this episode: (00:19) - Year-end wrap-up and review (00:58) - The dawning of UMH (03:10) - Defining UMH and its importance (04:41) - Key elements of UMH (07:43) - UMA vs UMH (09:15) - Memorable episodes from 2024 (13:25) - AI, research, and the digital frontier (15:01) - Building multi-account UMH capabilities (19:05) - Career advice and closing thoughts Quotes “Through this acquisition, SEI will be the first in the industry to provide real-time, automated, unified managed household or UMH capabilities in a cost-effective, fully bundled overlay solution.” ~ Jack Sharry “The single biggest challenge we find is getting all the departments, all the silos to work together. And that is also why it is important to have a single executive sponsor or leader.” ~ Jack Sharry “Improving after-tax returns and income is inherently a multi-account exercise.” ~ Jack Sharry Links  SEI: https://www.seic.com  Morgan Stanley: https://www.morganstanley.com  MoneyGuide Pro: https://www.moneyguidepro.com  Tifin: https://tifin.com  Wells Fargo: https://www.wellsfargo.com  EY: https://www.ey.com  Franklin Templeton: https://www.franklintempleton.com  Matt Nollman: https://www.linkedin.com/in/mattnollman  Mark Hoffman: https://www.linkedin.com/in/mark-hoffman-16946359  Martin Cowley: https://www.linkedin.com/in/martincowley  WealthTech in the Weeds with Charles Smith: https://wealthtechondeck.com/episodes/wealthtech-in-the-weeds-with-charles-smith  WealthTech in the Weeds with Rose Palazzo: https://wealthtechondeck.com/episodes/wealthtech-in-the-weeds-with-rose-palazzo-and-mark-hoffman  WealthTech in the Weeds with Jeff Benfield: https://wealthtechondeck.com/episodes/wealthtech-in-the-weeds-with-jeff-benfield-and-martin-cowley  WealthTech in the Weeds with Eric Lori: https://wealthtechondeck.com/episodes/wealthtech-in-the-weeds-with-eric-lordi-and-martin-cowley  WealthTech in the Weeds with Roger Paradiso: https://wealthtechondeck.com/episodes/wealthtech-in-the-weeds-with-roger-paradiso  The Evolution and Resurgence of SEI with Ryan Hicke and Sean Denham: https://wealthtechondeck.com/episodes/the-evolution-and-resurgence-of-sei-with-ryan-hicke-and-sean-denham  The Age of the New Wealth Portfolio with Erich Holland: https://wealthtechondeck.com/episodes/the-age-of-the-new-wealth-portfolio-with-erich-holland  Unlocking the Potential of Generative AI in Asset and Wealth Management with Amy Young: https://wealthtechondeck.com/episodes/unlocking-the-potential-of-generative-ai-in-asset-and-wealth-management-with-amy-young  Unlocking AI's Potential in Wealth Management with Rob Pettman: https://wealthtechondeck.com/episodes/unlocking-ais-potential-in-wealth-management-with-rob-pettman  WealthTech in the Weeds with Michael Liersch: https://wealthtechondeck.com/episodes/wealthtech-in-the-weeds-with-michael-liersch-and-harry-bartle  Scott Smith: https://www.linkedin.com/in/scott-smith-148360  Financial Advisor Magazine: https://www.fa-mag.com  Frances Frei: https://www.linkedin.com/in/francesfrei  Edward Jones: https://www.edwardjones.com  JP Morgan: https://www.jpmorgan.com  Merrill: https://www.ml.com  Harvard Business School: https://www.hbs.edu  Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Práctica realizada por Antonio Bravo y Lucía López para Periodismo Radiofónico, asignatura de Periodismo en la UMH. Realizada en italiano

Send us a textFormer NHL player and Stanley Cup champion Jamal Mayers joins us for a fascinating journey through the ice, as we explore what it takes to reach your potential in hockey. We reminisce about our own encounters on the rink, including that unforgettable NHL game between Toronto and LA, and delve into Jamal's current adventures coaching his son's impressively ranked youth team. With fellow ex-NHLers by his side as assistant coaches, Jamal offers a treasure trove of insights into the joys and challenges of mentoring young players, stressing the importance of consistency and foundational skills.Our conversation shifts to the shifting landscape of junior and college hockey, where we dissect the recent NCAA policy change that allows Canadian Hockey League players to accept scholarships. This significant shift could rewrite the North American hockey playbook, with college teams now favoring older freshmen. We examine how these changes might influence leagues like the WHL and BCJ, and the newfound freedom players have in crafting their developmental paths, adding a new layer of complexity to the sport's future.Finally, we dive into the realm of youth hockey tournaments and coaching philosophies. The upcoming UMH 68 tournament promises an exciting platform for young players to shine, and we share personal coaching experiences that emphasize accountability, effort, and honest feedback. By weaving in anecdotes from my own journey coaching my son's team, we explore the delicate balance of being both a parent and a coach, and the importance of fostering a culture where young athletes can own their journey, ultimately crafting a holistic understanding of hockey development.

Kostenlose Anmeldung zum Live-Podcast «Tages-Anzeigerin» am Suisse Podcast Festival.Mit Halloween, dem aufsteigenden Nebel und den dunkler werdenden Stunden tauchen auch immer mehr Hexen auf – zumindest in der Popkultur und auf den Social Media Kanälen. Und dieses Jahr nicht nur in Form von ausgefallenen Kostümen, sondern auch mit dem Trend «Strega Nona Fall» auf Tiktok.Doch hinter den krummen Hüten und schwarzen Umhängen verbirgt sich eine dunkle und traurige Geschichte: die Hexenverfolgung. Über 100'000 Hexenprozesse fanden in Europa statt, davon rund 10'000 in der Schweiz. Betroffen waren vor allem Frauen, zahlreiche von ihnen wurden brutal gefoltert und öffentlich hingerichtet.Was die Geschichte der Glarnerin Anna Göldi, die als letzte Hexe Europas gilt, mit Kamala Harris zu tun hat und warum ein Hexenkostüm an Halloween durchaus eine feministische Botschaft haben kann, darüber sprechen Kerstin Hasse und Annik Hosmann in einer neuen Folge der «Tages-Anzeigerin».Hosts: Annik Hosmann & Kerstin HasseProduzentin: Sara SpreiterWas wird wann diskutiert: 01:20 Schlagzeilen04:00 Hauptthema Hexen27:40 TippsLinks:Das Buch «Anna Göldin. Letzte Hexe» von Eveline HaslerDas Buch «Caliban and the Witch» von Silvia FedericiDas Buch «The Condiment Book» von Claire DinhutDer Song «Dive» von Olivia Dean Die Playlist zum Podcast «Tages-Anzeigerin» auf SpotifyHabt ihr Lob, Kritik oder Gedanken zum Thema? Schreibt uns an podcasts@tamedia.ch

WealthTech in the Weeds is a series covering the broad yet critical path to financial services. The goal is to get together with industry experts and get into the details of building an effective, productive, coordinated, and comprehensive advice system. In this episode, Jack talks with Jeff Benfield, Head of Advisor Solutions at SEI, and Martin Cowley, Chief Product Officer at LifeYield. Jeff leads the strategic vision, roadmap, and execution of the financial advisor technology suite of solutions for SEI's independent advisor business. With a focus on relationship-centric platform architecture, Jeff has been instrumental in developing SEI's Wealth Platform, leading the charge in building a multi-account, multi-relationship approach to empower advisors. Martin brings vast experience working with various firms to build comprehensive and coordinated platforms. With a focus on API-first architecture, he helps firms integrate seamlessly and avoid the pitfalls of disparate systems. Jack talks with Jeff and Martin about building multi-account, multi-factor relationship platforms for advisors. Jeff and Martin highlight the challenges and importance of operationalizing complex systems at scale and their strategies for connecting and empowering advisors with more innovative tools and platforms. In this episode: [02:17] - SEI's approach to building a multi-account UMH platform [06:02] - How SEI helps advisors achieve better results [08:32] - How LifeYield uses technology to enhance the user experience [11:15] - The importance of partnerships in building platforms for advisors [14:47] - How LifeYied addresses multicurrency and tax in the US and UK [17:26] - How SEI overcomes the challenge of scaling and operationalizing UMH [19:40] - LifeYield's approach to operationalizing UMH [21:52] - Jeff's key takeaways [24:23] - Martin's key takeaways Quotes [22:16] - "Tax is the center of what we do. Our ability to lean into that to make sure that we're the platform best suited to solve that problem of the household balance sheet and how we're able to solve the tax problem is where we're going." ~ Jeff Benfield [22:30] - "Utilizing and leveraging the technology that's built and currently coming out to make those smart tools, make them intelligent, and give that personalized feel is where we're leaning into." ~ Jeff Benfield [24:23] - "The move towards householding is happening, and it's widespread. SEI is far ahead in that front just with the new system being built, and the fact that it's multicurrency, multi-jurisdiction is just icing on the cake. It's very powerful." ~ Martin Cowley [25:46] - "It's always good to pick something that's valuable, focus on that, and support people in using it, so they understand the incremental benefit they're getting." ~ Martin Cowley Links  Jeff Benfield on LinkedIn Martin Cowley on LinkedIn SEI LifeYield Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Lío universitario por Medicina. UMH y UA pelean por el título. Alvise sortea su sueldo. Puigdemont nunca estuvo aquí.

Lío en el grado de Medicina entra la UA y la UMH. Alvise reparte su sueldo. Puigdemont nunca estuvo aquí.

Desokupa formando a policías? la batalla entre la UA y la UMH por medicina. Okupaciones.

Willkommen in der Welt des Runden, Umhüllenden, Verschwiegenen und Verborgenen. Wir betreten eine Welt, die uns jahrhundertealtes Frauenwissen auffächert und viel Verstecktes zu Tage fördert. Wir treffen auf Perlen der Wahrheit, die sich wie glitzernde Diamanten zwischen das Wolkig-Weiche schmuggeln. Perlen, die diese Pflanze Nacht für Nacht hervorschwitzt, kostbares Pflanzenwasser, das uns die Augen öffnen wird. Und so lüften wir also ein Stückchen von dem Mantel, den diese Pflanze wie einen wärmenden Umhang an einem Wintertag um sich legt. Willkommen in der Welt des Frauenmantels. In dieser Folge sprechen wir darüber:

Folge vom 15.05.2024, diesmal mit Lügen-KI, reinem Silizium und Pseudowissenschaft zum Umhängen! Du möchtest mehr über unsere Werbepartner erfahren? Hier findest du alle Infos & Rabatte: https://linktr.ee/methodischinkorrekt

WealthTech on Deck has become a go-to podcast for industry professionals seeking insights and perspectives on the future of financial advice. In the first 150 episodes, the podcast has featured a wide range of guests from across the wealth management industry, and provided listeners with valuable insight into the changing landscape of financial services. In this episode, Jack Sharry, EVP and Chief Growth Officer at LifeYield, reflects on the first 150 episodes of the show. He highlights five important themes shaping the future of financial services: the rise of the Unified Managed Household (UMH), tax optimization, retirement planning, organic growth, and the impact of AI in wealth technology. Jack also shares lessons learned from the show's guests, who are a fascinating collection of strategists, disruptors, thinkers, doers, innovators, and business leaders who chart the future of their companies and the industry. Key Takeaways [02:26] - The most intriguing themes in financial services today. [03:59] - Why Unified Managed Household [UMH] is the top trend in financial services. [07:31] - The shift to multi-account tech smart management. [08:39] - A list of past and upcoming guests on WealthTech on Deck. [12:07] - Why tax is one of the most important aspects of portfolio management. [15:51] - How large wealth management firms reshape retirement planning. [18:52] - Modernizing annuities. [21:19] - The role of organic growth in an advisory firm's success. [25:10] - The impact of AI on financial services. [30:34] - Jack's passions outside of work. Quotes [04:23] - "The UMH (Unified Managed Household) is what investors want and need. The UMH premise is simple, but the execution is hard." ~ Jack Sharry [12:45] - "Clients have given up on beating the market. They learned the hard way that buying high and selling low doesn't work. Now, it's about how much they keep. They're concerned about protecting what they've built." ~ Jack Sharry [14:26] - "Taxes are the single biggest cost investors incur, and they're complicated. The biggest impact of improving outcomes comes from minimizing taxes. The more accounts you manage tax efficiently, the better the client's results—that's tax alpha." ~ Jack Sharry [29:27] - "AI leads to an easy button for financial advisors. It will optimize their clients' portfolios to address risk, minimize their taxes, and optimize their retirement income, combined with social security. It will coordinate with their workplace retirement accounts and all their other accounts and holdings." ~ Jack Sharry Links  Jack Sharry on LinkedIn Len Reinhart Jim Seuffert Rose Palazzo Charles Smith Eric Lordi Roger Paradiso Matthew Belnap LPL Financial Envestnet Edmund Murphy Empower Aaron Schumm Vestwell Brian McDonald Morgan Stanley Jed Finn Morgan Stanley Wealth Management Reed Colley Summit Wealth Michael Liersch Wells Fargo Laura Varas Hearts & Wallets J.P. Morgan Playbook David Hegarty Larry Fink BlackRock Vanguard Franklin Templeton Voice of the American Workplace Survey Jasmin Jirele Allianz Life Corey Walther Chad Virgin Thomas Buckingham Nassau Financial Group Tim Seifert Lincoln Financial David Lau DPL Financial Partners Paula Nelson Global Atlantic Financial Group David Blanchett PGIM DC Solutions Chip Roame Tiburon Strategic Advisors Tiburon CEO Summits FA Mag Fidelity Investments Charles Schwab Edward Jones Merrill Lynch EY Nalika Nanayakara Jud Mackrill Milemarker Mammoth Technology Jonathan Michael Wealth Advisors Dr. Vinay Nair TIFIN Amy Young Microsoft Eric Arnold Hail Education Mad River Reflection by Jack Sharry Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Unser Körper braucht Cholesterin. Cholesterin ist ein Lipid (Fett), welches in unserem Körper vorkommt und für verschiedene lebenswichtige Funktionen benötigt wird. U.a. ist Cholesterin ein wichtiger Bestandteil der äußeren Umhüllung unserer Zellen, der Zellmembran. Ein gesunder Lebensstil trägt dazu bei, die Cholesterinwerte zu kontrollieren und das Risiko für kardiovaskuläre Erkrankungen zu verringern.

Unser Körper braucht Cholesterin. Cholesterin ist ein Lipid (Fett), welches in unserem Körper vorkommt und für verschiedene lebenswichtige Funktionen benötigt wird. U.a. ist Cholesterin ein wichtiger Bestandteil der äußeren Umhüllung unserer Zellen, der Zellmembran. Ein gesunder Lebensstil trägt dazu bei, die Cholesterinwerte zu kontrollieren und das Risiko für kardiovaskuläre Erkrankungen zu verringern.

Los 'dientes de leche' actuarían como fábrica de células neuronales, para el diseño de terapias personalizadas dirigidas a niños que sufren enfermedades raras relacionadas con el sistema nervioso, como el autismo, las leucodistrofias o el síndrome de Rett.Los investigadores se han planteado llevar adelante un proyecto que, con el nombre de 'Ratoncito Pérez de las enfermedades raras' que facilite la adquisición de muestras a los investigadores. Los 'dientes de leche' suelen caerse entre los 5 y 11 años de edad mediante una extracción espontánea y natural, pero para que puedan ser aprovechados para la ciencia es necesario que la familia del menor ya diagnosticado de una enfermedad rara esté prevenido y actúe con rapidez. De esta forma, deben tratar de evitar que la pieza se seque, para lo cual hay que recogerla en poco tiempo para o bien llevarla al laboratorio en pocas horas o bien conservarla en frío (en la nevera) hasta tres días en una bolsita con la propia saliva del menor.Charlamos con Salvador Martínez, catedrático de Anatomía y Embriología Humana de la Universidad Miguel Hernández (UMH) de Elche y del Instituto de Neurociencias de Alicante (IN) del CSIC, al frente de este grupo de científicos.

This week's guest is Alex Krüger (https://www.linkedin.com/in/alexander-krueger/), Co-founder and CEO of United Manufacturing Hub (https://www.linkedin.com/company/united-manufacturing-hub/), or UMH. Alex shares his journey from working on integration projects in consulting fresh out of college, to founding UMH and building an open source alternative to the offerings from incumbent vendors. He breaks down the role of the open source software movement in manufacturing, how the Unified Namespace architecture compares to the traditional ISA-95 model, and how IT can best enable OT to solve problems. Plus, he shares his vision for how microservice-based MES solutions can disrupt the existing monolithic applications. Augmented Ops is a podcast for industrial leaders, shop floor operators, citizen developers, and anyone else that cares about what the future of frontline operations will look like across industries. This show is presented by Tulip (https://tulip.co/), the Frontline Operations Platform. You can find more from us at Tulip.co/podcast (https://tulip.co/podcast) or by following the show on LinkedIn (https://www.linkedin.com/company/augmentedpod/). UMH is a Tulip Technology Ecosystem (https://tulip.co/partners/technology-ecosystem-partners/) Partner. Special Guest: Alex Krüger.

#OpenSource #Architektur #Datahub #Communitywww.iotusecase.comFrank Thelen, der Unternehmer, Bestsellerautor, Investor, bekannt aus “Die Höhle der Löwen”, ist mit seinem neuesten IIoT-Investment United Manufacturing Hub (UMH) in der 122. Folge des IoT Use Case Podcast bei Madeleine Mickeleit zu Gast! Gemeinsam mit Alexander Krüger (CEO und Co-Founder bei UMH) diskutieren sie Themen wie den Einsatz von Open Source Software, die Wichtigkeit von Datenstandardisierung oder die Rolle von Community-driven Entwicklungen.Zusammenfassung der PodcastfolgeDas Kölner Startup United Manufacturing Hub hat sich zum Ziel gesetzt, einen neuen Datenstandard in der Industrie zu etablieren. Unterstützt wird es dabei von Frank Thelens Venture-Capital-Fonds Freigeist und dem Bestandsinvestor DnA Ventures. Die von ihnen entwickelte Open-Source-Plattform ermöglicht es Ingenieuren, alle Datenquellen in der Fabrik nahtlos zu integrieren, um eine datengetriebene, effizientere und nachhaltigere Produktion zu fördern.  Der Unified Namespace spielt eine zentrale Rolle im Konzept von United Manufacturing Hub. Er wird beschrieben als eine Art zentraler Datenkrake oder Message Broker, durch den alle Arbeitsaufträge, Datenpunkte und Temperaturen innerhalb einer Fabrik geleitet werden. Diese Architektur ermöglicht den einheitlichen Zugriff auf Daten aus verschiedenen Quellen, was die Basis für die standardisierte Datenkommunikation bildet. Der Unified Namespace ermöglicht die Trennung und das gezielte Routing von Daten, was ihn zu einem wichtigen Werkzeug für die Integration und Analyse von Produktionsdaten macht. United Manufacturing Hub nutzt diesen Ansatz, um eine effiziente und übergreifende Datennutzung in Produktionsumgebungen zu ermöglichen, wodurch die Basis für datengetriebene Entscheidungen und Prozessoptimierungen geschaffen wirdUnited Manufacturing Hub wurde 2021 von Jeremy Theocharis, Alexander Krüger und Christian Proch gegründet. Das Team hat sich zum Ziel gesetzt, die besten IT- und OT-Tools für Ingenieure zugänglich zu machen und eine Grundlage für den Austausch von Wissen und Erfahrungen zu bieten. Bis heute hat das Unternehmen an über 50 Kundenstandorten gearbeitet und ist auf sechs Kontinenten aktiv.Mit der Seed-Finanzierung durch Freigeist und der Unterstützung von DnA Ventures plant das Unternehmen, sein Produkt- und Engineering-Team weiter auszubauen, um den wachsenden Anforderungen großer Unternehmen gerecht zu werden. Darüber hinaus wird in die schnell wachsende Community rund um das United Manufacturing Hub investiert, die bereits mehr als 2.000 Entwickler und Ingenieure umfasst.---Relevante Folgenlinks:Alex (https://www.linkedin.com/in/alexander-krueger/)Madeleine (https://www.linkedin.com/in/madeleine-mickeleit/)https://learn.umh.app/Community-Einladung: https://discord.com/invite/2B6tF6mF4ZJetzt IoT Use Case auf LinkedIn folgen

Maestra inspiradora para muchas alumnas de la UMH. Con ella celebramos el Día de la Mujer y la Niña en la Ciencia. 

Bete!

Bete

Heute ist Nikolaus. In der heutigen Folge denken wir über die Menschen nach, die uns wichtig sind und hören einen besonderen Gast. Unser Dank geht an Juni Schreeb für das Umhören in der Bahnhofsmission in Hannover. Wer sich an den Feiertagen einsam oder allein fühlt, kann sich an die Telefonseelsorge wenden: https://www.telefonseelsorge.de/ https://www.bahnhofsmission.de/index.php?id=99&woher=3&bm=28 Konzept, Text, Schnitt und Moderation: Charlotte Sofia Garraway Es lesen: Anna Rebecca Sehls und Tommy Wiesner Dramaturgische Beratung: Melanie Rahimpour Grafik: Kimberley Spiegel Musik: Sir Henry Wir bedanken uns beim Kulturbüro der Stadt Hannover und der Agentur für Zwischenraumnutzung für die Unterstützung.

Psalm 103:1-21. Thanksgiving: The Holy Spirit is Always at Work in Everyone EverywhereLet all that I am praise the Lord;with my whole heart, I will praise his holy name.Let all that I am praise the Lord;may I never forget the good things he does for me.Psalm 103:1-2 NLTThe Lord isn't really being slow about his promise, as some people think. No, he is being patient for your sake. He does not want anyone to be destroyed, but wants everyone to repent.2 Peter 3:9 NLTThe Spirit you received does not make you slaves, so that you live in fear again; rather, the Spirit you received brought about your adoption to sonship. And by him we cry, “Abba, Father.” The Spirit himself testifies with our spirit that we are God's children. Now if we are children, then we are heirs—heirs of God and co-heirs with Christ, if indeed we share in his sufferings in order that we may also share in his glory. Romans 8:15-17 “This is my Father's world. O let me ne'er forgetThat though the wrong seems oft so strong, God is the ruler yet. This is my Father's world: why should my heart be sad?The Lord is King; let the heavens ring!God reigns; let the earth be glad!” (UMH # 144 / OGRP # 19)2. Advent: Living Between the Cradle and the Coming AgainCome, Thou long-expected JesusBorn to set Thy people free;From our fears and sins release us,Let us find our rest in Thee.Israel's strength and consolation,Hope of all the earth Thou art;Dear desire of every nation,Joy of every longing heart.(UMH # 196/ OGRP # 163)3. Christmas: Messiah Jesus is the Center Seek the Kingdom of God above all else, and live righteously, and he will give you everything you need. Matthew 6:33 NLTI have seen your salvation, which you have prepared for all people. He is a light to reveal God to the nations, and he is the glory of your people Israel!”Luke 2:30-32

Lasst uns gemeinsam beten!

Wenn Du etwas vor äusseren Einflüssen schützen möchtest, dann umgibst Du es mit einer passenden Hülle oder sonst einem Schutzmechanismus. Also sollte es gegen spitze Gegenstände oder Schläge standhaft sein, muss es eine harte, widerstandsfähige Umhüllung sein. Je härter, desto besser - aber je härter, desto inflexibler in den meisten Fällen. Wenn Du Dich also eine maximale Bewegungsfreiheit gleichzeitig mit maximalem Schutz haben möchtest, dann kommst Du nicht drum herum, gewisse Kompromisse einzugehen. Entweder Du konstruierst den Panzer so, dass er aus vielen kleinen, flexiblen aber in einander verketteten Elementen besteht - das dient der Bewegungsfreiheit, bringt aber auch mehr Gewicht - oder Du optimierst den Materialbedarf auf ein Minimum, büsst dafür aber Bewegungsfreiheit ein. Das Panzern-Nashorn hat beispielsweise grosse Platten, die sich teilweise überlappen, so dass es auch bei Bewegungen noch geschützt ist. Kompromisse sind nicht immer schön und bequem - aber manchmal nötig. Ich wünsche Dir einen aussergewöhnlichen Tag! --- Send in a voice message: https://podcasters.spotify.com/pod/show/audiostretto/message

Ferien mit dem Velo sind beliebt. Was natürlich dazugehört: Velotaschen oder Saccochen, in denen man sein Reisegepäck mitführen kann. Wir sagen Ihnen, welche Taschen die richtigen für Sie sind und wie Sie diese optimal packen. Fahrradtaschen gibt es in den verschiedensten Ausführungen, und wenn wir wollen, können wir unseren Drahtesel von vorne bis hinten vollpacken. Allerdings hat das auch Auswirkungen auf den Fahrkomfort und auf unser Gleichgewicht. Verschiedene Taschen für verschiedene Bedürfnisse In der Velo-Mitte beeinflusst das Gepäck das Fahrverhalten am wenigstens Wenn wir unser Velo-Gepäck in der Mitte des Fahrrades deponieren, spüren wir das beim Fahren kaum. Daher sind Rahmentaschen, die man quasi zwischen den Beinen mittransportiert, ideal. Ein weiterer Vorteil: Rahmentaschen: Sie sind sehr gut befestigt. Daher kann man mit ihnen sehr gut auch Offroad fahren, ohne dass uns bei jedem Stein oder bei jeder Wurzel das Gepäck um die Ohren fliegt. Saccochen für den Gepäckträger: Da geht eine Menge rein Wer länger unterwegs ist und mehr Reisegepäck dabei hat, kauft am besten zusätzlich Taschen für den Gepäckträger Wichtig hier: Gerade wenn sie schwer beladen sind, sollte man sie nur paarweise verwenden – für ein gutes Gleichgewicht. Diverse Modelle sind auch mit Mitteltasche, die quer über den Gepäckträger liegt, erhältlich. Das gibt noch mehr Platz. Vorderradtaschen und Satteltaschen für das Kleine Wenn das noch immer nicht reicht, kann man sein Fahrrad zusätzlich mit Vorderradtaschen ausstatten. Auch hier sollte man die Taschen auf beiden Seiten anbringen. Ebenfalls erhältlich sind Satteltaschen, die unter dem Fahrradsitz angebracht werden. Achten Sie darauf, dass diese Tasche wirklich auch Platz hat – je nach Grösse. Je nach Modell sind sie beliebt für Bikepacking-Touren – also für Touren mit dem Mountainbike auf unebenem Gelände. Dies, weil sie gut und nah am Fahrrad befestigt sind. Lenkertasche: Für das wichtige auf der Tour Sie hat wenig Platz, bietet aber sofortigen Zugriff auf ihren Inhalt. Stellt man das Fahrrad ab, kann die Lenkertasche abgenommen und dank Tragegurt auch als Umhängetasche verwendet werden. Ein paar Pack-Tipps: * Grundsätzlich gilt: Für einen guten Schwerpunkt gehören schwere Gegenstände nach unten in der Tasche. * Schweres Gepäck kommt in die Rahmentasche oder in die Gepäckträgertaschen. * Schwer beladene Gepäckträgertaschen nur paarweise nutzen. * Vorderradtaschen sollte man nur mit leichten Gegenständen füllen und ausserdem immer paarweise – links und rechts vom Rad – anbringen. Sonst wird das Lenken mühsam. * Satteltaschen sollten auch nicht zu schwer beladen werden. Grössere Modelle füllt man zum Beispiel mit Regenjacke und -hose. So hat man sie schnell zur Hand, wenn man sie braucht. Kleinere Modelle sind ideal für Werkzeug und Ersatzschlauch. * In die Lenkradtasche kommen die wichtigen Gegenstände, auf die man schnell zugreifen muss: Portemonnaie, Strassenkarte und Handy beispielsweise. * Wir können unser Velo nicht grenzenlos bepacken. In der Bedienungsanleitung steht das maximale Gesamtgewicht – mit Fahrer und Gepäck. Oft ist auch auf dem Gepäckträger eingraviert, was dieser tragen kann. Halten Sie sich an diese Angaben, denn wenn Sie Ihr Fahrrad überladen, kann es sein, dass bei einem Vorfall die Versicherung nicht zahlt. Ein paar Kauf-Tipps: * Überlegen Sie sich als erstes, wieviel Platz ihr Gepäck benötigt und wieviel oder welche Taschen Sie dementsprechend benötigen. * Nicht jede Fahrradtasche passt auf jedes Velo. Klären Sie, ob die Grösse der Taschen geeignet ist und ob das Befestigungssystem der Tasche mit Ihrem Velo kompatibel ist. * Achten Sie darauf, dass Sie die Taschen einfach montieren und wieder wegnehmen können. * Prüfen Sie, ob die Taschen gut befestigt werden können – bei Gepäckträgertaschen zum Beispiel oben und unten. Ansonsten klappert es ordentlich. * Die Taschen sollten wasser- und staubdicht sein. Bei Saccochen mit Reissverschlüssen ist das schwierig. Da sollte zumindest eine separate Regenhülle im Lieferumfang sein. Die beste Dichtigkeit weisen Taschen auf, die zum Verschliessen von oben her aufgerollt werden.

According to Cerulli's research, “22% of wealth managers said consolidating to a unified managed household (UMH) is a significant priority, with half reporting it as a moderate priority for their firm moving forward.” This discovery is aligned with wealth managers shifting away from transactional brokerage relationships and prioritizing fee-based assets. The Unified Managed Household (UMH) goes further than the Unified Managed Account (UMA), which aggregates accounts at an individual level. The UMH takes into account not only the client's financial situation but also that of their entire household. This week, Jack Sharry talks with Matt Belnap, Associate Director of Retail Distribution at Cerulli Associates, about the latest research in household-level management. Cerulli is a financial services industry leader providing market intelligence and strategic business recommendations. Matt is involved in the development of research across various aspects of retail financial services, including wealth management, managed accounts, and product development. He is involved in creating nine Cerulli reports spanning three research practices and oversees The Cerulli Edge—U.S. Advisor quarterly publication. In this episode, Matt talks with Jack about key challenges managed account sponsors face, why clients should seek more holistic financial advice, and why the household-level approach will take time. Key Takeaways [01:18] - What does the research show about unified managed households? [03:42] - Cerulli's research philosophy. [07:57] - Key challenges managed account sponsors face. [11:53] - Points of entry for account openings. [16:03] - What will progress look like? [20:35] - What will it take for clients to seek more holistic advice? [23:57] - The power of tax-deferred. [25:25] - Matt's key takeaways. [27:33] - How Matt spends his time outside of work. Quotes [06:11] - “It's a complete reframing of the advisor-client relationship, and it's something that is going to be pretty important for these advisors as they look to differentiate their practices going forward.” ~ Matt Belnap [20:39] “I think there's questions for some of the firms that haven't begun anything yet of, ‘Where do we start? How do we even begin to begin? To move into doing something like this? How do you eat an elephant? One bite at a time, but where does that first bite go?' And I think that's something that a lot of firms are grappling with in terms of, ‘how does this happen?'” ~ Matt Belnap [26:56] - “Don't wait for the perfect time to completely flip to a household-level approach because it's not going to be there. It's going to have to be piece by piece.” ~ Matt Belnap Links Matt Belnap on LinkedIn Cerulli Associates Franklin Templeton Goals Optimization Engine (GOE®) | Franklin Templeton Merrill Lynch New York Life Insurance Northwestern Mutual Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Ein altes ehrwürdiges Gebäude thront oben über der Stadt. In seinem riesigen Innenhof zahlreiche Touristen neben jungen Männern und Frauen in schwarzen Umhängen, die manch einen an einen sehr bekannten Zauberer erinnern dürften. Der Blick geht über die Ballustrade. Hinunter auf weitere Gebäude, die schon viele Jahre hier stehen, enge, geschwungene Gassen und einen großen Fluss: Dieses Bild zeigt sich in Coimbra, einer alten Universitätsstadt in der portugiesischen Region Centro. TRAVELBOOK-Autorin Anna Wengel (heute Chiodo) lebte mit ihrer Familie mehrere Monate in der Nähe der Stadt. Sie verrät, was man in Coimbra sehen und erleben kann. Viel Spaß beim Zuhören!

In this episode, Tony walks Lee and Craig through the mythos and history of the band TOOL. == WHAT WE'RE LISTENING TO & RECOMMEND == CRAIG Listening to & Recommends Doug Gertner on AfterFM.com LEE Listening to Riverside - ID.Entity TONY Listening to Rick Wakeman - A Gallery of the Imagination Listening to Peter Gabriel - Panopticom Recommends TOOL - Flood Recommends (Maynard) Puscifer - Momma Sed Recommends (Danny) Pigmy Love Circus - Pistolero Sleep == UNHEARD OF == The Flying Caravan (Spain / España) The idea of The Flying Caravan arose in Antonio Valiente´s mind, a musician from Alicante, born in 1970. Antonio began playing the guitar at age 13 having Mark Knopfler as his main musical influence and using fingerpicking as his preferred style. Since he was 18, he has learned technique and modern harmony with different teachers. From 2000, Antonio has been focusing on the idea of developing his own compositions, and after four years of work Juanjo Sánchez (keyboard} and Keeng {The Satellites) joined the project that would finally take shape as The Flying Caravan. However, it was when Izaga Plata (vocals–Head Over Hell) entered back in 2014 that she and Antonio developed the melodies and lyrics that would make up the album. With the arrival of Pedro Pablo Molina (bass player-El Interior), Lluís Mas (drummer-Pyramidal, Adam Giles Levy) and Juanjo´s return to the band, the project got established. The band recorded “I Just Wanna Break Even” at the Facultad de Bellas Artes of the UMH in Altea (Alicante) between May and August 2017 with Daniel Montiel as a recording engineer and Lluís Mas and Antonio Valiente as producers, after several recording sessions and a two-year production period. The audio mixing and mastering were carried out at Lluís Mas (Oriental Desert Studio Audio). The album features the extraordinary collaborations of Manolo Salido (sax-M Clan, Loquillo), Juan Carlos Aracil (flute- El Bicho, Tino di Geraldo) and Jorge Aniorte (voice-Liverpool Band). Web Facebook Instagram Twitter BandCamp YouTube Spotify == SUPPORT THE SHOW ==  Help support UP3Show financially at: patreon.com/up3show NOW FEATURES BONUS CONTENT AND EXTRAS! Check out our new homepage at up3show.com! Follow us on Twitter: UP3Show: @up3show

Ginecología y Obstetricia, una especialidad médica por la que todos hemos pasado, aunque no nos acordemos, porque en algún momento fuimos ese embrión flotando en líquido amniótico. Es curioso lo poco que se habla sobre esta disciplina, cuando la mitad de la población acude regularmente a sus consultas.Para hablar sobre ello tenemos con nosotros a Paloma Gómez Leal, que es Licenciada en Medicina por la Universidad de Murcia. Especialista en Ginecología y Obstetricia, residencia en Hospital Universitario Santa Lucía. Máster en Investigación Clínica y Quirúrgica por la UMH y Máster en Dirección y Gestión Sanitaria por la UNIR. Actualmente trabaja como Especialista en el Hospital Universitario Los Arcos del Mar Menor.

Bouldern ist kein Ballsport, erklärt Kletterer Robert uns und Daniel in Der Letzte Podcast. Hoffentlich hat er an seine kleinen Ballettschüchen und den Umhängebeutel voll Magnesiumpulver gedacht!

Wealth management has long been focused on investment products – stocks, bonds, and mutual funds – but there is a shift taking place in the industry. A growing number of wealth management firms are seeing the value in shifting their focus from investment products to investment processes.  In this episode, Jack Sharry talks with Randy Bullard, Global Head of Wealth at Charles River Development. Before joining Charles River Development, Randy served as General Manager of Wealth Management at SigFig. At Charles River, Randy leads the Charles River Wealth Management business globally. He is responsible for the firm's wealth product strategy and growth of the business with a heavy focus on client satisfaction.  Randy talks with Jack about the secular shift from investment products to the investment process in wealth management. He also speaks about the current state of wealth management in the digital age, the future of comprehensive advice platforms, and coordinating wealthtech capabilities. Key Takeaways [01:06] - What Charles River Development has to offer its clients. [03:10] - How Randy got into wealth management. [05:10] - A look back at Placemark Investments. [09:23] - What Randy brings to Charles River Development. [12:12] - The current state of wealth management in the digital age. [14:59] - The future of comprehensive advice platforms. [18:09] - Coordinating wealthtech capabilities. [23:03] - What's next for portfolio personalization? [25:51] - Randy's top three takeaways. Quotes [13:32] - "Direct indexing, hyper-personalization, increased focus on tax optimization, and ESG application at an individual investor level are all manifestations of this transition from product to process, which we're undergoing in the industry right now." ~ Randy Bullard [16:08] - "UMH is a process. It's a way of collecting disconnected things and making decisions at a client level that span all the stuff the client has. And so it's a process, not a product." ~ Randy Bullard [26:08] - "Most asset managers are not doing well in this transition from an investment product to an investment process. We have to find ways to turn their value add and value proposition into data and information they can sell." ~ Randy Bullard Links  Randy Bullard on LinkedIn Charles River Development State Street Envestnet Parametric Portfolio Associates RBC Wealth Management UBS Wealthfront Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

Taxes are a reality for all investors. Their effects can significantly affect financial outcomes and take a big bite out of investment returns. In response, advisors look for strategies that minimize tax liabilities while maximizing returns. As tax alpha may be the holy grail for many investors, what investment strategies can they use to maximize their financial outcomes? In this episode, Jack talks with Martin Cowley, Executive Vice President of Product Development at LifeYield. As one of the pioneers in building UMH solutions in the industry, Martin is an expert at building platforms across the wealth management ecosystem. At LifeYield, Martin and his team focus on finding the client's unique circumstances and then determining the best way to serve them. Martin talks with Jack about five ways to achieve tax alpha through a comprehensive advice platform. He discusses how these strategies work and how advisors utilize them to help clients reach their financial goals.   Key Takeaways [01:11] - An overview of Martin's key role at LifeYield. [05:58] - Tax harvesting as a means of improving tax alpha. [08:40] - How single-account management differs from coordinated multi-account management. [11:38] - The importance of asset allocation when it comes to taxes. [19:04] - How rebalancing and income generation can work together.  [21:16] - What asset allocation and rebalancing can do for income sourcing. [28:53] - Martin's three key takeaways. [31:30] - What Martin likes to do outside of work. Quotes [10:16] - "The fact that you can see multiple tax lots across more than one account gives you more room for efficiency. It gives you more tax lots to pick from." - Martin Cowley [17:53] - “Tax harvesting is good, it's a part of our toolkit. But asset allocation does mitigate the need for tax-loss harvesting, especially considering it dissipates over time.” - Martin Cowley [18:42] - "A transition from an existing set of assets over to a new model can be made a lot more efficient by putting controls on gain realization and potentially breaking up the move over a year or more depending on what works for the clients and their appetite for taxes." - Martin Cowley [29:07] - "Tax harvesting is well-established and it's a vulnerable exercise, but it's more valuable when you spread it across multiple accounts to the extent that you can." - Martin Cowley Links  Martin Cowley on LinkedIn LifeYield Paul Samuelson Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

The wealth management industry is constantly evolving with new trends. These trends are driving significant changes in the wealth management industry, prompting firms to adopt new strategies and technologies in order to meet investor demands. How can advisors make the most of these trends and make a significant impact on their clients? This week, we flip the script as Jack Sharry takes the guest chair and Matt Nollman, VP of Marketing at LifeYield, hosts the show. As Executive Vice President, Chief Growth Officer, and Principal at LifeYield, Jack helps industry leaders, platform builders, advisors, and investors understand UMH platforms and the advantages they create. As a leading industry voice on wealthtech, Jack shares his insights on the top five trends in wealth management, how these trends are impacting the industry, and how the combination of platform and advisor makes the biggest difference in client relationships. Key Takeaways [01:20] - The key role Jack Sharry plays at LifeYield. [02:33] - What Jack sees as the top five trends in wealth management. [06:23] - The impact of retiring baby boomers on wealth management. [07:33] - How advisors can effectively manage the influx of money from next-generation investors. [09:39] - The impact of technology convergence on wealth management. [11:48] - Why the combination of platform and advisor makes the biggest impact on clients. [15:52] - How advisors with the best soft skills have a competitive advantage in managing wealth. [19:39] - Jack's three key takeaways. [21:07] - What Jack enjoys outside of work. Quotes [05:41] - "At the end of the day, an advisor and a client need to talk. Algorithms aren't human beings. They just tell you how to optimize what's going on. You've got to ask them questions and you have to have a real dialogue often with clients that don't fully understand what it is they're trying to solve." - Jack Sharry [20:02] - "More people are retiring today with more money and more complexity than at any point in history. So, a tidal wave of assets and complexity are driving our business for the foreseeable future." - Jack Sharry [20:13] - "Digital and human advice are coming together on comprehensive advice platforms. And the job of the underlying algorithms is to identify the next best actions. Strategy is a start, but the ultimate job of these platforms is to coordinate implementation across the household and to determine the next best thing to do to improve financial outcomes." - Jack Sharry Links  Jack Sharry on LinkedIn Matt Nollman John Connors John Thiel Tiburon Strategic Advisors Morgan Stanley JP Morgan Orion Advisor Solutions Edward Jones Wells Fargo UBS  Merrill Lynch Envestnet  Goldman Sachs LPL Financial E*Trade  Eaton Vance James Gorman Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

This episode marks the one-year anniversary of the WealthTech on Deck Podcast. Taking a look back at the last 50 episodes, Matt Nollman, VP of Marketing at LifeYield takes the lead and interviews regular host, EVP & Chief Growth Officer at LifeYield, Jack Sharry. Jack is a leading industry voice on wealthtech, UMH, and the future of financial advice. His mission is to help investors, financial advisors, and firms achieve improved financial outcomes.  Matt leads LifeYield's marketing team, strategy and digital experience, as well as producing the WealthTech on Deck podcast. Jack and Matt talk about some of the best themes, most popular episodes, and lessons learned over the last year. Key Takeaways [01:46] - Jack's key takeaways from hosting WealthTech on Deck over the past year. [02:56] - Some of the big themes that stood out across the last 50 episodes. [04:35] - A list of episodes on growth and creating disruptions in the retirement industry. [06:23] - How Morgan Stanley's strategy is unique in the marketplace. [08:35] - Technology as a critical component of portfolio integration. [10:58] - What the future holds for Unified Managed Households (UHM). [14:02] - The history of the wealth management industry. [19:49] - The impact Jasmine Jirele, Heather Kelly, and David Lau had on the financial services industry. [24:08] - How the team at Lifeyield is integral to the wealth management space. [28:10] - Future guests you won't want to miss. [29:38] - Things Jack enjoys outside of work. Quotes [03:02] - "The biggest theme and the most listened to episodes are all around the strategy, design, and execution of what I'm now calling comprehensive advice platforms." - Jack Sharry [12:00] - “Around retirement income, you have to think about RMDs, social security, Roth conversion, taxes, and risk. We've got growing inflation, and interest rates are rising. How are you going to handle all of that? Doing a lot of work on this topic across the industry is how we consider all the variables, all the things we have to think about to maximize retirement income." - Jack Sharry [25:50] - "Essentially, what we're really doing is we see a lot and we can see what the trends are, what the challenges are, and what the issues are. And what we're involved with is creating a new category. As we're doing that, we want to share what we're learning because the reason a lot of people listen to this podcast is to find out what other people are doing." - Jack Sharry Links  Matt Nollman on LinkedIn Edmund F. Murphy II Empower Retirement Personal Capital Fidelity Investments Aaron Schumm Vestwell Yaqub Ahmed Harshendu Bindal Franklin Templeton James Gorman Morgan Stanley Solium Capital (now Shareworks by Morgan Stanley) Eaton Vance Rose Palazzo Eric Lordi Benjamin Huneke BlackRock Aladdin E-TRADE Financial Nicole Casperson Michael Liersch Wells Fargo Jessica Liberi eMoney Advisor Len Reinhart John Connors John Thiel Merrill Lynch Jasmine Jirele Allianz Life Heather Kelly David Lau  DPL Financial Partners Mark Hoffman Martin Cowley Harry Bartle Steve Zuschin Jeff Quigley Alyson Dorosky Mary Beth Franklin InvestmentNews Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

This time of year often calls for reflection. As we look back on 2021 and to the year ahead, we're flipping the script and handing LifeYield's VP of Marketing Matt Nollman the reins. Today, Matt interviews our regular host Jack Sharry as well as guest Mark Hoffman, CEO and Founder of LifeYield.  Due to the pandemic and a rapidly shifting demographic, firms have had to react quickly to meet new and rising client demands. At the forefront of those rising demands, LifeYield has learned quite a bit about navigating the new financial ecosystem and adding value where it counts. In this episode, Matt talks with Jack and Mark about the three themes of 2021 that touched every conversation and initiative at LifeYield, the approach they've taken to address those key demands, and the technology LifeYield has leveraged and developed to push client firms over the finish line. From an unprecedented retirement boom to excitement over client engagement and the ever-popular UMH, here's a look back at 2021 and a sneak peek at LifeYield's ambitious goals for 2022.  Key Takeaways [03:02] - Why more are retiring every year and what that means for firms.  [05:39] - How Social Security+ helps advisors manage the retirement boom. [09:38] - Why UMH is so important.  [11:31] - The key to helping people maximize their paychecks.  [13:18] - How LifeYield uses APIs to tackle clients' biggest pain points.  [17:06] - The importance of increasing client engagement.  [23:57] - Why income sourcing has come to the forefront. [25:44] - Addressing one of the industry's biggest problems.  [30:07] - Jack and Mark's favorite Thanksgiving foods and what they're thankful for this year.  Quotes [14:47] “Saying things and then doing them are two different things. I'm very proud that LifeYield has worked hard to build a firm culture that cares about helping investors and advisors get better outcomes.” - Mark Hoffman [15:19] “That our client firms achieve tangible success using LifeYield software and service, is equally as important as the integrity of the answers our algorithms produce.” - Mark Hoffman [16:23] “The universally managed household concept that Jack has been espousing for  years, is universal for all client demographics, as are being worried about taxes. We're very proud to be serving such a wide swath of industry participants on these features. Our clients and partners include the largest wirehouses, banks, asset managers,  insurance companies, custodians, and financial technology firms, and the point is that LifeYield capabilities are relevant and necessary to the full spectrum of industry players.” - Mark Hoffman Links  Mark Hoffman on LinkedIn Matt Nollman on LinkedIn Social Security+ Jeff Quigley Franklin Templeton Merrill Lynch Allianz Personal Capital Northwestern Mutual New York Life Jackson National Guardian  Morgan Stanley Len Reinhart Wealth Teach on Deck: The Power of UMH with Len Reinhart Steve Zuschin Harry Bartle Tom Prior Tiburon CEO Summit Martin Cowley Alyson Dorosky SunTrust Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

In this episode, Jack and co-host Steve Zuschin talk with Rose Palazzo, Group Head at Envestnet | MoneyGuide.  As the former Head of Financial Planning at Morgan Stanley, Rose helped develop the leading technology required to make UMH a reality for RIAs and larger firms alike. Her approach to knowing when to buy or build technology and evaluating partners allowed for rapid and effective development. With more than 20 years of experience in the financial services industry, Rose has seen the need for these tools firsthand and has been instrumental in bringing them to fruition.  Rose talks with Jack and Steve about executing client objectives through integrations, overcoming challenges associated with UMH, and what she's looking forward to in her new role at Envestnet | MoneyGuide. “You can evaluate potential partnerships based on the technology or on their capacity to engage in a partnership. But their expertise goes beyond the technology. It goes to, ‘What hurdles did you hit when you tried to get people to use this? And do clients understand it when you put it in front of them?'” ~ Rose Palazzo Main Takeaways  If your objective is to provide comprehensive advice to clients, that should involve financial planning as well as a way to take action based on the plan and recommendations that come from having integrated data between platforms.  Creating a roadmap is essential for understanding how your firm can get from point A to point B with its tech stack. Equally important is understanding when to buy or to build those tools on the roadmap.  You can evaluate partnerships based on the technology, capacity, and expertise in implementation. It's important to look beyond the technology itself and make sure your potential partners have met challenges and understand how to overcome them and get a high-quality product out to clients.  Growing assets and drawing them down is complex because most houses have multiple accounts and multiple custodians. To truly move toward UMH, you have to focus on the technology component just as much as the marketing component to make sure you can actually deliver on unification.  Links Rose Palazzo on LinkedIn Morgan Stanley Envestnet | MoneyGuide Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

How important is a consolidated approach to financial planning? Jack Sharry, EVP and Chief Growth Officer at LifeYield, believes it's critical and can make or break a financial strategy. At LifeYield, Jack helps people understand UMH platforms and the advantages they create for advisors, their firms, and their clients. In this episode, Jack talks with Tommy about how to build a truly coordinated financial portfolio, Jack's journey to becoming a leading advocate for the future of financial advice, and how investors can improve their financial outcomes. “The breakthrough moment for me was learning the power of listening. I'm talking to senior executives all the time, trying to find out what their pain point is, what their issues are, and always looking to add value in conversations.” ~ Jack Sharry Key Takeaways Advisors need to have a plan in place for clients to bridge the gap between retirement and taking social security. Clients should be adjusting the way they draw on social security to maximize and optimize income and taxes.  If the structure of your accounts is the same from account to account, that's a way for clients to know that advisors aren't optimizing your asset management. Coordination across accounts is an essential part of UMH and making the most of your investments.  If you have uncoordinated accounts, you stand to lose a lot of income along the way. UMH is a way to get everyone talking and working together to ensure that the client can benefit from account optimizations.  Links Jack Sharry on LinkedIn Jack Sharry on Twitter  LifeYield Authentic and Ethical Persuasion: Achieving What's Important in Life Through Committed Listening and Compelling Stories by Jack Sharry Merrill Lynch Morgan Stanley Putnam Investments Phoenix Investment Partners Virtus Investment Partners Fiserv SunTrust Bank | Now Truist Ernst and Young UBS Edward Jones Learn more about Mammoth Scientific's Health & Tech Fund 1 When you move beyond the point of making sure your retirement goals are on track, your investment opportunities are wider than just publicly traded funds. Step into the world of investing in venture capital by learning more about Mammoth Scientific's Health & Tech Fund 1. Curated by some of the leading medical and fintech experts, Mammoth's Fund 1 is paving the way for health science and tech innovation. If you're interested in helping patient care, provider insight, and instrumentation go beyond possibility and into reality, check it out today at Mammoth.vc. Visit Mammoth.vc today! Connect with our host Mammoth Tommy on LinkedIn Subscribe and stay in touch Apple Podcasts Spotify Google Podcasts

In this episode, Jack talks with Steve Zuschin,  Executive Vice President at LifeYield. From years of experience in sales and finance management, Steve has mastered the art of client engagement and has a deep understanding of client needs and wants. Through technology and tools, he and his team at LifeYield create statistics that can help provide the best solutions for clients. Steve talks with Jack about using tools to optimize asset allocation, engaging with clients efficiently for smooth coordination on assets, and getting better social security benefits “Financial wellness is all about creating workflows. It's about leading people down a path, providing the level of information that's appropriate at the time, so you can almost think of it as leaving a trail of breadcrumbs where, maybe I can offer you some value to help you make a better decision or be more informed about when and how you file for social security. And at the same time, if you choose to, you can take it, go implement it and do that on your own.'” ~ Steve Zuschin Main Takeaways  Even with solid aggregation of accounts from different custodians, coordination of information among them isn't necessarily assured. Getting insights from clients' accounts and assets can create better outcomes (e.g. optimized asset allocation based on risk tolerance, reduced tax drag, etc). Getting professional financial advice from many trusted advisors might create inefficiency. If this is the case, then the client's advisors must work together to gather valuable data, engage with the client, and achieve optimization in their accounts. Using statistics from tools can also show if having your assets spread across multiple locations might be costing you. Achieving tax efficiency for two to three decades and maintaining a sustainable withdrawal rate for the client is the goal. Defined contribution plans are beneficial in promoting financial wellness to the masses. This increases the number of people who push for social security benefits. Links Steve Zuschin on LinkedIn Hearts & Wallets Federal Deposit Insurance Corporation (FDIC)  WealthTech on Deck 029: Cyber Security, Personalization, and the Future of UMH with Nicole Casperson Formula 1 Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

DELANDA McNAIR, an author from Raleigh, North Carolina, will join us to discuss her books, including "Father, Then the Eyes Can See" and "You Taught Me: Why You Should Want Welcome And Receive Your Second Chance".  FROM HER BIO: "My parents gave me a lot growing up, all of which having great value and influence upon my life, but most importantly, they gave me them, and they gave me HIM. I have worked in some form of customer service most of my life. Positions ranged from, “food services, careers in the travel industry, driving/executing dealer trades for a Chevrolet dealer, and sales.” No one could have made me think that one day, I would write and publish a book, yet here we are. Talk about “HIS ways not being our ways, and HIM knowing the plans HE has for us.” Umh. Well, this is book one of several titles to be come! These writings are truly "God given," with tiny particles of my everyday life intertwined. It is a conversation piece - be it a personal one, a one-on-one, or within a group. Lastly, if you are going to come along for the full journey, (beyond the preview read that is), please accept my apology for the delay of these writings. You see, as a Flight Attendant living in Miami FL when this story first came to me, it was a distant thought, and I didn't have time for writing. Guess I was too busy filling my life with other things. But soon after, I learned that - for me - wrong priorities equaled lost and wasted time. In closing, thank you for opening your heart and mind, to these writings. Remember, at some point, we all need forgiveness, so learn and choose to give it!" www.facebook.com/delandamcnair

In this episode, Jack talks with Nicole Casperson, FinTech reporter for InvestmentNews. Nicole is well-known for covering innovation and wealth tech trends in finance. Recently, she has been developing strategic innovations in UMH. Prior to her experience in fintech, Nicole wrote for trade publications in the housing and mortgage industry.  Jack and Nicole talk about the importance of cyber security in finance, the impact of personalization, and the future of UMH. “UMH needs to evolve beyond a platform or a service we provide. Within five years it will become mainstream. It will become table stakes that technology is connected, that data is connected, that accounts are integrated, so they can talk to each other and then work together to create different outcomes.” ~ @nicolecasperson Main Takeaways  Clients want to be involved with every financial decision as much as possible. In today's climate, every client's portfolio reflects who they are and their values.  More and more clients are becoming aware that they need to communicate better with their advisors. Data from a client's financial history and lifestyle can be interconnected to get the most accurate personalized advice. The pandemic has been an eye-opener for clients around financial freedom and retirement plans. This will continue to be a big factor in planning for the future of wealthtech and UMH. Links Nicole Casperson on Twitter Nicole Casperson on LinkedIn InvestmentNews Lynne Rhinehart Jason Moore Morgan Stanley Eric Lordi Wells Fargo Merrill Lynch Amazon Know The Score: An Independent Validation Of LifeYield By E&Y EY survey: Financial protection gap widens between consumers in emerging and developed markets as COVID-19 uncertainty mounts Olivia Rodrigo Miley Cyrus BTS Elton John David Bowie Janis Joplin Joan Jett Stevie Nicks Debbie Harry Tina Turner Aretha Franklin Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

In this episode, Jack talks with Executive Vice President of Product Development at LifeYield, Martin Cowley. Martin is one of the pioneers in building UMH solutions in the industry. Through technology, he's been developing the most efficient and effective ways to improve outcomes for clients.  Martin and Jack discuss the benefits of UMH implementation on asset allocation, tax drag minimization, and operational improvement. “There's a lot of listening involved. A lot of time is spent understanding existing workflows and existing systems. The challenge with putting a UMH in place is that everybody's situation is different. All of our clients have different systems in place. They look at the investment process in slightly different ways. Even the definition of UNMH may be different in terms of what people mean.” ~ Martin Cowley Main Takeaways  When dealing with UMH accounts, coordination is critical. Look at them from the investor's perspective in a holistic way rather than piece-by-piece. Different accounts have different tax treatments. For example, a taxable account is different from a tax-qualified account. UMH plans offer efficient asset consolidation when dealing with increased complexities. Create a plan prior to UMH implementation to avoid disruptive changes. Factors to consider should be the firm's anticipated spending expenses, size of existing accounts, and type of existing accounts.  When doing decumulation or intelligent withdrawals, tax-efficient asset allocation is critical.  Links Martin Cowley on LinkedIn Improving After-Tax Returns, Retirement Income, and Bequests through Tax-Smart Household Management by LifeYield Riskalyze Westminster Abbey Kate Middleton, Duchess of Cambridge Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook

In this episode, Jack Sharry talks with Len Reinhart, a pioneer in the UMH industry and founder of several successful advisory firms. Len began discussing the subject of separately managed accounts, managed money, an advisory approach, and, of course, UMH, nearly 20 years ago.  As a baby boomer himself, Len witnessed firsthand the diminishing benefits for boomers as retirement suddenly became their primary responsibility. Simultaneously, he began his career working with managed money where the goal was listening to clients first, unlike the aggressively cold-calling brokers he sat beside. He listened to clients' goals, their risk requirements, and built strategies to meet those individual needs.  Focusing on retirement and listening to clients' end goals, both financial and personal, became the basis of his approach to advising. As he built firms with a client-first approach in mind, his success caught the attention of competitors and the industry.  Len and Jack discuss the transition from winning the financial rat race to simply funding future liabilities. They also discuss why UMH is such a powerful tool for accomplishing lifelong goals and how the role of advisors has shifted to help clients reach those goals.  “The end goal of the unified managed household is to take all the clients' assets, their goals, and aspirations – meaning what are they trying to accomplish with their life – and put them together. And I think the further you take this, the better.” ~ Len Reinhart Main takeaways  When UMH is done properly, investing takes a backseat. In other words, the original selling point for advisors has become the secondary selling point. Everything, including investing, is evaluated based on its probability of contributing to a client's long-term success.  UMH is evolving into a guidepost by which financial decisions are made. Meaning decisions that were previously handled separately (i.e., taxes) are now made in conjunction with one another.  As UMH becomes commonplace, the way advisors work with clients is rapidly changing. Lifestyle management (managing cost, tax, and risk) is leading the conversation while beating the market is taking a backseat.  Links Len on Linkedin Merrill Lynch BNY Mellon Pershing WealthCare Wells Fargo Envestnet Analytics Connect with our hosts LifeYield Jack Sharry on LinkedIn Jack Sharry on Twitter Subscribe and stay in touch Apple Podcasts Spotify LinkedIn Twitter Facebook