Podcasts about usa financial

In this May's Trending Report, Kevin Roskam of USA Financial explores what's really driving market momentum—and why long-term trends may still be flashing caution even as headlines tout a market recovery. Kevin breaks down the difference between short-term rallies and sustainable momentum, highlights insights from global shipping indicators like the Baltic Dry Index and China's Containerized Freight Index and connects them to broader economic signals including U.S. retail sales. Most importantly, he emphasizes the value of unemotional investing, long-term planning, and staying the course even in times of uncertainty and volatility. Tune in for a practical, data-informed perspective on the markets—and what it means for your investment strategy. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this April 2025 edition of the Trending Report, we'll address recent stock market volatility – especially what we've seen over the past couple weeks – and the importance of leaving emotion out of investing. Drawing on historical market data and behavioral economics, host Kevin Roskam reassures advisors and clients that market downturns are a normal part of cycles and highlights the value of active risk management strategies designed to avoid catastrophic losses, encouraging investors to stay focused on their long-term financial plans rather than reacting to short-term market fluctuations. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

The S&P 500 is down nearly 9% from its yearly high. So, what does that mean for you? In this March episode of the Trending Report, Kevin Roskam from USA Financial delves into the necessity of planning for volatility, not just market growth, and highlights the value of experienced advisors who employ formulaic, unemotional strategies. While short-term trends are currently negative, long-term perspectives remain positive, reinforcing the idea that market cycles are normal. Understand your investment plans, review your financial strategies with your advisor, and remember that volatility is a cost of growth, not a reason to abandon long-term financial goals. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this episode of the Trending Report, we'll examine key indicators like the CBOE Volatility Index (VIX) and the Consumer Confidence Index. Your host, Kevin Roskam, emphasizes the importance of maintaining emotional discipline when investing and highlights how risk management strategies can effectively navigate market fluctuations. He also underscores the significance of long-term investment goals and the importance of setting realistic return expectations. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

Following a strong market performance in 2024, you may be wondering what's ahead in 2025 – especially after market performance the first couple weeks of the new year. In this edition of the Trending Report, we discuss the critical importance of maintaining an unemotional investment strategy. We'll explore why reacting to short-term market swings can hurt your long-term goals and provide practical tips for staying disciplined and focused on your financial plan - especially during times of change and uncertainty. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

Predictions make for great headlines, but they don't always come to fruition. In this episode of the Trending Report Kevin Roskam, Senior Advisory Business Consultant at USA Financial, reflects on how some of the big market predictions for 2024 worked out and talks about the importance of unemotional investing and focusing on trendlines over headlines. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

Like leaves falling in the autumn, change is inevitable. In this edition of the Trending Report we're joined by Kevin Roskam, Senior Advisory Business Consultant at USA Financial, to talk about the importance of unemotional investing – especially during times of change and uncertainty. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this edition of the Trending Report we're joined by Kevin Roskam, Senior Advisory Business Consultant at USA Financial, to talk about how the upcoming election and even the leaves changing color in the fall correlates with market trends. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this edition of the Trending Report we're joined by Kevin Roskam, Senior Advisory Business Consultant at USA Financial, to talk about where the stock market is currently and to put into perspective where the trend of the market is going. The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this edition of the Trending Report we're joined by Kevin Roskam, Senior Advisory Business Consultant at USA Financial, to talk about volatility and its impact on risk management and trend lines in the stock market The Trending Report is a monthly commentary series that explores topical trends taking place within the current market and economy. It aims to provide clarity and encourage Advisors and Investors as they navigate and make sense of current market conditions.  The ongoing battle between short term emotions and the commitment to long term investing is real. This series seeks to help Advisors and Investors focus their energy on long term success. Hosted and published by the investment professionals at USA Financial, each episode offers valuable commentary and analysis into various economic factors and market movements. By tuning in, our host breaks down complex topics into easy-to-understand information. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

It's hard to believe that we're halfway through 2024 already. In this special edition of the Trending Report we're joined by Kevin Roskam, Senior Advisory Business Consultant at USA Financial, to talk about where we've been, where we're going, and what we should be doing in the second half of the year. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this episode of the Trending Report, we'll talk about how a stock falls out of favor. It's a lesson in adapting to change from a business, stock market, and economic perspective. We'll also dive into market data as of June 7, 2024. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

The Federal Reserve is in quite a conundrum - rates are both too high and too low. What people don't realize is that there is a little-known calculation that actually helps identify this. We'll reveal this calculation in this episode of the Trending Report, as well as cover market data as of 3/22/2024. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

As humans, we tend to make very predictable errors. We've been on a strong bull run for quite some time now, and we're seeing investors making the same mistakes they have in the past. In this episode of the Trending Report, we'll take a deeper look at these active vs. passive portfolio errors, as well as cover market data ending on 3/8/2024. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

The stock market and GDP are up, but consumer sentiment and happiness are down. So, what's the disconnect? In this episode of the Trending Report, we'll talk about what this disconnect means for the stock market looking forward, as well as break down market data as of 2/23/2024. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

A low birth rate, dire economy, and declining stock market are all contributing factors to China's shocking decline. In this episode of the Trending Report, we'll dive into what this looks like and how it relates to over to the United States, as well as covering market data as of 2/9/24. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Welcome to the first Trending Report for 2024! In this edition, we're going to take the opportunity to look back on the past year from a historical perspective. We'll compare how 2023 stacks up in comparison to stock market performance from years past, and what that might mean for the future. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

What's going on with mortgages, interest rates, and home prices? In this episode of the Trending Report, we're going to dive into the cost-crunch taking place in the real estate market for first-time homebuyers and existing homebuyers alike. We'll also take a look at the stock market using data as of 12/8/2023. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

Certain economic professionals are calling for a soft landing, with federal reserve rate reductions taking place just around the corner. In this episode of the Trending Report, we're going to talk about exactly what that means, how that is impactful, and what is going on in the market using data as of 11/27/23. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

Investing in the stock market is a moving target, and we're seeing that risk like never before. The 60/40 example of a traditional basic portfolio has faltered in ways we haven't seen since before World War II. We'll talk about that in this episode of the Trending Report, as well as cover how the market is being impacted using data as of 11/13/2023. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

Have you ever stepped into your clients' shoes to see your business from their point of view? Understanding how they perceive your value is key to building lasting relationships. In this episode, Duncan MacPherson engages in a thought-provoking conversation with Steve Phillips, Chief Practice Management and Development Officer at USA Financial and a consultant at … Continue reading Make Your Clients The Voice With Steve Phillips (Ep. 48) →

In this episode of the Trending Report, we're going to discuss 12 worrisome recession indicators. We'll talk about what those indicators are, what they're telling us, and how the stock market is reacting and illustrating based on all that's going on using data as of 10/6/2023. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

In this episode of the Trending Report, we're going to get into 9 facts that will help you understand U.S. government shutdowns – how they work, how they operate, how they come to be, and what the impact might be moving forward. We'll also cover market data as of 9/22/2023. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors.   Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

A powerful business phenomenon has been taking place where The Great Resignation has now become what is being labeled as “The Great Gloom”. What does this mean for the stock market and corporate America? In this episode of the Trending Report, we'll discuss how this phenomenon may play out in the economy, as well as dissect market data as of 9/8/2023. The Trending Report is an ongoing video/podcast series with analysis on the market capitalization and market sectors, exploring a time topical trend taking place within the markets and/or economy. This series is published by the investment professionals at USA Financial. Each episode breaks down current trends taking place in two specific categories: market capitalization and sectors. Market capitalization is the total value of a publicly traded company's outstanding common shares owned by stockholders. The Trending Report explores the trends developing within the different market cap sizes, which can come in and out of favor as a result of current market and economic conditions. In general, these insights may shed light on the stock market performance of different size companies. In addition, the Trending Report will explore the momentum taking place within the different sectors of the market. Each episode will explore the movements taking place inside of the various sectors to help investors get a sense for how the market and economy may be impacting stocks sector by sector. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #trendingreport #thirdpartymoneymanager #financialadvisor #financialadviser #trackingtheeconomy #formulaicinvesting #smartinvesting #usafinancialtrendingreport

USA Financial System Going Broke. Bad Credit, Bad Banks, Bad Derivatives means protect yourself.

Creating professional contrast and scarcity, improving referability, alleviating loyalty fatigue…These are all key pieces of the bigger puzzle: How to grow your practice to the next level? In this episode, Duncan MacPherson speaks with Steve Phillips, chief practice management officer at USA Financial and a business consultant at Pareto Systems. They share best practices and … Continue reading Achieving Professional Scarcity and Professional Contrast with Steve Phillips (Ep. 38) →

Margy is the co-owner and CEO of Interview Connections, the first and leading podcast booking agency. Margy and her business partner Jessica, lead an in-house staff of over 25 full-time employees in their (now virtual) Rhode Island office, and have successfully scaled the agency to multiple 7 figures. Their team of in-house Booking Agents are the podcast powerhouses behind a rapidly growing catalog of hundreds of successful entrepreneurs and businesses including Ali Brown, Paul Ross, JJ Virgin, Aweber, and USA Financial. Margy joined Interview Connections in 2016 as a contractor, becoming the first employee in 2017 and acquiring 50% equity in the business by 2018. By 2019, she had helped lead the business to its first 7 figure year without any direct marketing or advertising. In 2021, Margy won First Prize in the Best Podcast category at the Rhode Island International Film Festival for her podcast We Get It, Your Dad Died. When she's not busy recording her own shows or running the business, Margy is active in animal rescue, organizing a yearly fundraiser called Art for Animals. In 2019, she was recognized for her efforts with a "Humane Heroes" award. She is owned by her 18-year-old cat and 10-year-old toothless Yorkipoo.Connect with Margy:Website: www.interviewconnections.comFacebook Page: @InterviewConnectionsPageFacebook Group: @GuestExpertProfitLabInstagram: @interviewconnectionsLinkedIn: /company/interviewconnections/

Today's guest is the co-owner and CEO of Interview Connections, the first and leading podcast booking agency. Her and her business partner Jessica, lead an in-house team of over 25 full-time employees in their (now virtual) Rhode Island office, successfully scaling their agency to multiple 7 figures. Their team of in-house Booking Agents are the podcast powerhouses behind a rapidly growing catalog of hundreds of successful entrepreneurs and businesses including Ali Brown, Paul Ross, JJ Virgin, Aweber, and USA Financial. She's won a ton of awards and accolades including first prize in the Best Podcast category at the Rhode Island International Film Festival for her show “We Get It, Your Dad Died” In her spare time, she is active in animal rescue, organizing a yearly fundraiser called Art for Animals even winning a "Humane Heroes" award. She is owned by her 18-year-old cat and 10-year-old toothless Yorkipoo. Please welcome today's guest, Margy Feldhuhn! Top 3 Amplifiers: 1. How to scale your business to 7 figures. 2. How to turn interviews you do on other podcasts into profit 3. How to utilize and scale podcast connections To listen, find other episodes, access the show notes, and find out more go to www.amplifyto7figures.com Connect with today's guest: Website: https://interviewconnections.com Instagram: https://www.instagram.com/interviewconnections/?hl=en

We're about to have a "Family Moment"… This is when we have a tough-love conversation about the fact that things will never be the same again -- And that it's not a "bad thing" if you embrace and capitalize on the change. In fact, we are seeing a major “COVID bounce” that spans across multiple business sectors! Today, your business should be hitting new high-water marks. Retooling for a New World. USAF is a Mirror-Reflection of Financial Advisors. I know this because we are simply an aggregate mirror-image of the advisors who are affiliated with us, and WE are hitting new high-water marks -- Therefore, THEY are hitting new high water marks. The revenue structure of your business is essential. Fee & transactional (commission) revenue go hand-in-hand. Certain products, necessary for planning, dictate the fee vs. transactional choice. NOTHING ELSE DOES -- Not your licensure, not your personal preference.   Your best clients expect both. People want to KEEP the newfound convenience and benefit of dual communications. In-Person Office visits. Video visits Articles referenced: https://www.wsj.com/articles/cheesecake-to-go-saved-the-cheesecake-factory-11635450438?mod=Searchresults_pos2&page=1 https://www.mckinsey.com/industries/financial-services/our-insights/the-value-of-personal-advice-wealth-management-through-the-pandemic https://www.cnbc.com/2021/04/13/advisors-are-changing-how-they-interact-with-clients-due-to-pandemic.html Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #advisoradvancement #therareadvisor #rareadvisor #efficientbusiness #financialbusiness #businesscoaching #financialadvisor #financialadviser #growfinancialbusiness #growfinancialpractice #growfinancialfirm #advisorybusiness #covidbounce #newworldforadvisors

Baby Boomer retirements DOUBLED in year 2020 over what took place in 2019! Oct. 25, 2021, Investment News: Early Retirement surging as a result of Covid, research finds. An estimated 5.25 million people who left the workforce during the Covid-19 pandemic and of that, 3 million (which is over 57%) appear to have retired earlier than they planned to. Baby boomer retirement shot up in 2020, with 3.2M boomers retiring, more than double the rate of 1.5M seen in 2019. Articles referenced from Investment News and Pew Research: - https://www.investmentnews.com/covid-early-retirement-rearch-213183 - https://www.pewresearch.org/fact-tank/2020/11/09/the-pace-of-boomer-retirements-has-accelerated-in-the-past-year/ Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #advisoradvancement #therareadvisor #rareadvisor #efficientbusiness #financialbusiness #businesscoaching #financialadvisor #financialadviser #growfinancialbusiness #growfinancialpractice #growfinancialfirm #advisorybusiness #babyboomer #earlyretirement

**This episode was published under our former branding The Choice with Amy Bett. The content is still so relevant so we have kept it available for you. :)  This episode is with Margy Feldhuhn the co-owner and CEO of Interview Connections, the first and the leading podcast booking agency. Margy and her business partner Jessica, lead an in-house staff of over 25 full-time employees in their (now virtual) Rhode Island office, and have successfully scaled the agency to multiple 7 figures. Their team of in-house Booking Agents are the podcast powerhouses behind a rapidly growing catalog of hundreds of successful entrepreneurs and businesses including Ali Brown, Paul Ross, JJ Virgin, Aweber, and USA Financial. I was so interested to chat to Margy because I know first hand how powerful securing guest interviews on other entrepreneurs podcasts are for exposure and sales. I am not joking when I tell you that 80% of my 1:1 clients have found me through hearing me on someone else's podcast. In this conversation Margy and I discuss; Why implementing this strategy into your marketing campaign is so powerful.  What types of businesses would benefit from podcast guesting. What you need to know when reaching out to hosts. How to land a spot as a guest expert. Common Mindset hurdles and so much more. INTERVIEW CONNECTIONS FREE MASTERCLASS - The team at interview connections also have a free masterclass where you can learn how to create a global personal brand, and generate a consistent stream of warm, qualified leads with podcast guesting. It's happening in December, it's the last one for the year so if you are interested in learning more REGISTER HERE || CONNECT WITH YOUR HOST AMY BETT || Register for my FREE LIVE VIRTUAL TRAINING and learn the minimum amount of bank accounts you need for your business to manage money like a boss REGISTER HERE INSTAGRAM: Follow for tips and extra resources HERE  WEBSITE:HERE This episode has been proudly powered by LegalVision. For more information on their unlimited legal services membership, visithttps://legalvision.com.au/ See omnystudio.com/listener for privacy information.

Overlapping the areas that matter with the areas that can be controlled is a recipe for a successful business model…but then overlapping your passions as the third dimension, that is what can build a dynasty! Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial   #usafinancial #advisoradvancement #therareadvisor #rareadvisor #efficientbusiness #financialbusiness #businesscoaching #financialadvisor #financialadviser #growfinancialbusiness #growfinancialpractice #growfinancialfirm #advisorybusiness #venndiagram #dynasty

Achieving your ideal practice requires you to be a contrarian.  You will never get there following the mainstream down the path of products, pricing, and performance.  But you can get there through Process and Platform Partnership. Understanding What Matters & What Can be Controlled. Working too many hours? Inconsistent revenue streams? Do you live and die on prospect flow? Do you run endless seminar events? Staff turnover? Chained to your desk? Unable to regularly duplicate your best clients? THIS ALL MATTERS & CAN ALL BE CONTROLLED What WILL NOT help any of this is Products, Pricing & Performance. What WILL help is Processes & Platform Partner. Your IDEAL Practice Requires and IDEAL Partner. Ivy League Universities = 5% Community Colleges = 100% Law of Familiarity / Loyalty Fatigue. Are you just a number? LPL has 19,000 today -- CEO is targeting 300,000 Financial Advisor IQ & Barrons Your Story Your Goals Your Barriers Your List that Makes up Your Ideal Practice How your Ideal Partner can get you there. Sources Referenced: -Financial Advisor IQ, September 16, 2021, LPL Capable of Growing to 300,000 Financial Advisors: CEO. -Barron's Advisor, September 13, 2021, LPL Financial is Growing Like Gangbusters.  Expect More, CEO Says. Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial #usafinancial #advisoradvancement #therareadvisor #rareadvisor #efficientbusiness #financialbusiness #businesscoaching #financialadvisor #financialadviser #growfinancialbusiness #growfinancialpractice #growfinancialfirm #advisorybusiness #idealpractice #betterpractice

Introductions are light years better than referrals; however, most advisors don't know how to duplicate the clients that are likely to make those introductions! It's crucial that you must first uncover and quantify them. Total Customer Value (TCV) = 1 Yr Revenue |  3 Yr Revenue  |  5 Yr Revenue Total Maven Value (TMV) = TCV + TCV of those they've introduced. Identify Your BEST Customers & BEST Identify the Demographics & Psychographics of Mavens. Target them for duplication via introductions. Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

The single question that outperforms every customer survey, customer satisfaction score and quality assessment tool -- plus uncovers your best customers for introductions. The net promoter score is the single best gauge for your marketplace success. "How likely is it that you would recommend INSERT COMPANY NAME HERE to a friend or colleague?" Overall potential scoring range of -100 thru +100. Scale of 0-10. Promoters = 9-10 Passives = 7-8 Detractors = 0-6 Score = %Promoters - %Detractors (use visual). Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

The Time-Lag Property and Loss (P&L) statement is the only real-life financial view of your business.  Understanding it can drive strategy and solve many, many problems in running your practice.  P&L statements are a vertical snapshot frozen in time. The balance sheet or net worth statement is also a snapshot. Revenue and Expense seldom start and end in the same month. Expense = Investment in future revenue. Time delay (Seminar example). Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Understanding and applying the Cost-Credibility Matrix will keep both your time and your money focused on promotional opportunities that you can control and that matter most. High Cost + Low Credibility = Worst combo possible. (cringy billboards) Low Cost + Low Credibility = Next worst quadrant. High Cost+ High Credibility = Most controlled quadrant of value. Low Cost + High Credibility = the Holy Grail of Marketing and positioning. (buy your way hear thru quad 3) Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/ https://www.facebook.com/usafinancial/ https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

There is one overarching directive that elite advisors realize consciously or unconsciously. The things that matter most and are also controllable.    When you first launch and are still small, TIME is your cheapest commodity. But when you have reached a level of success or are growing rapidly, TIME becomes your most valuable resource. The space where Things that Matter overlaps with Things you can Control… This is What you should Focus on.  Keeping your focus on what matters and is controllable is where your time is best well spent. Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement  https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

How to conduct pandemic sensitive events so that your clients and prospects will be comfortable and excited to attend. Much has changed, and the positioning of your events must evolve to compete. Old days of meal vs no meal. Today is about masks and social distancing. Be sensitive. People are in different camps with differing mindsets. (airport example) Be transparent -- explain the set up on the invite. You can please some of the people some of the times, some of the people all of the time -- But you cannot please all of the people all of the time. (and that is OK) Again, be sensitive -- provide alternative (record meetings, etc.) Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

The disservice of products, price and performance has been undermining the financial services industry since the beginning of time -- and it continues to be true today! Here's how you rise above: The Advisor vs. the Salespest How do your best clients describe you? How do your best clients describe stockbrokers and insurance agents? It's all they have to sell It's all the know how to sell. Live by the sword, die by the sword. Products, Price and Performance are the crutch of the salespest -- and of the wholesaler Themselves and their expertise. Their philosophy Their Planning Strategy Name them Make them memorable Make them tangible Their Process Advisors understand what they are actually selling is… Did not say… I'll get you this interest rate. I'll outperform the market.I'll create a financial plan for free in hopes you do business with me. Between now and the next time we get together, I'll identify the areas I feel we can create the most value for you so that you can make an educated decision as to whether or not you wish to engage the services of me and my firm… Fair enough? Consider subscribing for continued insights from Advisor Advancement:https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Let's talk about how this valuation growth happened! --USA Financial affiliated advisors 12-Month Blue Book Valuations ending 2021.06.30 = +13.7% over 12-month valuations ending 2020.06.30. Concentrate on electronic, digital and video communications. Convert to online client events and remote meetings. Introduction program to duplicate the top 10%-20% of your clientele. Re-engage with live events as possible and wise. Embrace and/or emphasize AUM -- recurring revenue. Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Do you feel chained to your desk? Or maybe you do not have enough revenue generating opportunities? Either way, you need to gain sustainable critical mass -- Let's talk about how to do that and learn the 3 steps to building critical and sustainable mass in your practice. Client events – Starting Point. Expert authority Only thing for sale is you Leads to guest appearances Quickest most controllable way to build clientele On the bubble – Events + Introductions When client events have created enough A clients. Begin running events for just the A clients. Make them a subset of your overall practice. These are the people you wish to duplicate. Plant the seed for introductions. Introductions Only – Critical Mass Obtained. Concentrate solely on duplicating best clients. Introductions. If you care about them, we care about them, because you care about them. The process is what is important. Introductions -- Not referrals (vested interest). Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

When listening to a podcast, do you ever wonder how the host found their guest? I had the pleasure of sitting down with the founder and owner of Interview Connections, Jessica Rhodes. Jess, her business partner, and the whole team at Interview Connections, are who you want in your corner when you want to expand your brand through podcasting. Whether you are just starting out or you are a veteran podcaster, she is dishing out all the tips on how to grow your podcast and business. About the Guest: Jessica Rhodes is the leading expert on how to leverage podcast guesting for increased brand awareness, more leads and higher profits. She created the podcast booking industry in 2013 when she founded Interview Connections, the first and leading agency of its kind. Along with her business partner, Margy Feldhuhn, Jessica has quickly scaled Interview Connections to over $1M in annual revenue with nearly no direct marketing or advertising. Their team of in house Booking Agents are the podcast powerhouses behind many successful entrepreneurs and businesses including Ali Brown, Perry Marshall, Aweber, USA Financial and more. Jessica has done hundreds of podcast interviews both as a guest, and co-host of Monetize the Mic. She is the acclaimed author of Interview Connections: How to #RockThePodcast From Both Sides of the Mic and has been a featured speaker at Podfest Multimedia Expo and FinCon. www.interviewconnections.com www.facebook.com/InterviewConnectionsPage/ www.instagram.com/interviewconnections/ twitter.com/monetizethemic www.linkedin.com/company/interviewconnections/ About the Host: Following the crumbs in the chaos is a full time job. As a busy mom of three, a wife to a traveling hubby, and keeping it weird in Austin, Texas, it's safe to say that my life is never boring. In addition to running my coaching business as C'N'C's CEO, I'm a certified coach for a premier virtual fitness and nutrition program helping others feel better while sustaining a healthy lifestyle. My mom and dad are thrilled that I'm putting my Exercise Science degree to good use. Along with my experience training pro athletes, S.W.A.T. members, and a high school football team, I gained 10+ years experience as the Director of Marketing building multiple court reporting companies. Lastly, I am a published writer, Content Coordinator, and Account Executive for a publication by Best Version Media. They even gave me a monthly “How to” column where I teach others how to be more self-sufficient with common household tasks. Every woman should know how their home functions and what to do if something malfunctions, man or no man. With my husband on the road, searching “How To” on the internet has transformed me into a “Mommy MacGyver”. “I don't know how you have the time.” “You're like a Supermom!” These are common things that people say, but the truth is that life hasn't always been easy or pretty. Even with the bumps, I always try to find the humor in everything because laughter is good for the soul and you should never take life too seriously….where's the fun in that? www.chaosncookies.com https://www.instagram.com/heathersteinker https://www.facebook.com/heathersteinker https://linktr.ee/hsteinker https://chaosncookies.com/shop Thanks for listening! Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page. Do you have some feedback or questions about this episode? Leave a comment in the section below! Subscribe to the podcast If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts or Stitcher. You can also subscribe in your favorite podcast app. Leave us an Apple Podcasts review Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts,...

Many advisors aspire to be an investment manager rather than a financial advisor -- and this can undermine the value and salability of the business. There are very few ways to stop devaluing your business, learn them here. If performance is down, your client has just one solution -- fire you. No one wants to buy your job, they want to buy your business. You lose economies of scale and ability to duplicate or leverage yourself. InvestmentNews: Stop Devaluing Your Business - Scott Hanson "If most professional money managers can't outperform the indexes, neither can advisers and financial planners. And aside the question of whether this sort of active management provides any real value to a client, even if it is accretive and delivers alpha, it absolutely reduces the value of the firm. You see, if the recurring revenues generated by his practice were based upon transferrable, repeatable financial planning and elite customer service disciplines, one could easily build a case that this sort of client deliverable could be handled by another financial adviser or acquiring firm. The problem is that in the clients' eyes, it becomes he alone, along with his ability to outsmart the markets, that comprises the value of his firm. Any acquiring firm will look at his practice as high risk in the areas of potential portfolio losses and client attrition, and subsequently reduce the price it is willing to pay." Possible Solutions: Stop digging the hole. Convert to a collection of 3rd party asset managers. Rebuild with the right tools. Craft actual models and execute with asset manager trade technology. Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discuss what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and a myriad of other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Seminars are back, returning with a lift in response rate numbers from pent-up demand after lockdowns.   The previous video referenced, "Is now the best time for seminars?" In this RARE we cover: Higher live event RSVP percentage response. Higher closing rates from live events. How clients are seriously looking to replace old advisors. --> !!! Reach out to us below for a free copy of the periodic table created to track the best timing for live events/seminars and referenced in this RARE video! Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is also a podcast! Subscribe today via Apple Podcasts, Google Podcasts, or your preferred podcast listening service for easier on-the-go listening. The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters, along with other leaders in the industry, discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and myriad other things that financial advisors may want to hear, rant, or lament about. Powered by USA Financial

How is it that 3 years is the over-under magic number for staff, and likely the same for clients? Understanding this difference can alter the adherence and retention of your practice dramatically.  Article Quote -- "We're actually seeing that employees that spend more than 4 years at the same company are more inclined to want to come back -- newer employees who have worked at the company less than 3 years, seem to prefer to work from home." --> What does this mean for your culture? Your staff? Your clients? Adhering people to your business/practice more rapidly is key. Article referenced: Inc. article, "Nearly 75% of businesses report they're bringing employees back to the office". Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters, along with other leaders in the industry, discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and myriad other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

We all have mental triggers.   When they are gone, we suffer.  We don't have an efficient way to get in the zone.  Our businesses falter.  This info will help you recapture that advantage.        Without a commute there is often no distinction between work and home life. 30 minutes each way is the average. Prepping & downloading for your day. No trigger to get mentally in the zone. Must refabricate. How you dress. Getting coffee.  Need a ritual.    Working ON the business vs IN the business. Article referenced: The Atlantic, July/August 2021 edition, titled, "The Psychological Benefits of Commuting to Work". Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discusses what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and myriad other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Learn how we score the stock market based on power, support, and demand from this recent message we sent to retail investors and clients of USA Financial Formulas through our Trending Report show. This is not a typical RARE Advisor video, but it will give you a rare ‘behind the scenes' of our formulaic trending money manager! There has been great movement below the waterline in the stock market lately, join CEO Mike Walters to find some of the markers that can cause that water to turn over. The USA Financial Trending Report is a monthly update from the investment professionals at USA Financial Formulas® with a candid and educational discussion regarding the state of the markets, economy, and other factors that may impact investment accounts. We also publish the monthly Trend Tracker, giving special attention to current market indicators and RAM® Score and Mapper Score™, exclusive proprietary formulaic trending calculations we pioneered to eliminate emotion and provide direction in investing. Consider subscribing for continued insights from Advisor Advancement: https://www.youtube.com/AdvisorAdvancement https://advisoradvancement.com/ For more of The RARE Advisor: http://www.therareadvisor.com The RARE Advisor is a business model supercharged by Recurring And Repeatable Events. With more than thirty years of working with and coaching successful advisors, host Mike Walters (along with other leaders in the industry), discuss what it takes to grow a successful practice. With the aim of helping financial professionals and financial advisors take their business to the next level, Mike Walters shares insights and success stories that make a real impact. Regardless of the stage of your practice, The RARE Advisor will provide thoughtful guidance, suggestions for developing systems and processes that work, and ideas for creating an authentic experience for your clients. The RARE Advisor is part of the Advisor Advancement Network, powered by USA Financial and committed to empowering financial advisors and financial professionals since 1988. Advisor Advancement was born from a desire and a need for our contributors to communicate with the financial advice community in a much different way. Created by industry professionals committed to advancing the advisor profession one video, blog, podcast, and tweet at a time. We talk about practice management, marketing, compliance, business development, and myriad other things that financial advisors may want to hear, rant, or lament about. Contact us: Phone (888) 444-0125 https://www.usafinancial.com/  https://www.facebook.com/usafinancial/  https://www.linkedin.com/company/usafinancial1/ Powered by USA Financial

Today's guest is the leading expert on how to leverage podcast guesting for increased brand awareness, more leads, and higher profits. She created the podcast booking industry in 2013 when she founded Interview Connections, recently named the Best Speciality Podcast Guest Booking Agency of 2021 by Corporate Vision Magazine. Along with her business partner, she has quickly scaled Interview Connections to multiple 7 figures in annual revenue by leveraging the power of podcast guesting. Their team of in-house booking agents is the powerhouse behind many successful entrepreneurs and businesses including Ali Brown, Perry Marshall, AWeber, USA Financial, and more. She has done hundreds of podcast interviews both as a guest and co-host of Monetize the Mic. She is the co-author of the upcoming book, “Monetize the Mic: Transform Your Business with Visibility and Strategy” and has been a featured speaker at Podfest Multimedia Expo and FinCon. Please join me in welcoming Jessica Rhodes. In this episode we discuss: her thoughts on leadership: “Leadership is in me. To be a leader, you focus on your inner drive to achieve your highest potential and want to lead others to do the same. A leader is someone who leads by example.” how she did her own thing as a kid and being the “odd kid out” helped develop her leadership skills. how she draws inspiration from watching her parents be servant leaders. her vision of wanting to be a star on Broadway and her memories of finding a home in theatre groups in school. how her dad inspired her to launch her career with him being on a podcast and introducing her to the online space. her start in podcasting inspired by her dad and Jerod Morris. the importance of women investing in their visibility. the importance of talking about money, especially with your children. Listen, subscribe and read show notes at www.OnTheSchmooze.com - episode 240.

Jessica Rhodes is the leading expert on how to leverage podcast guesting for increased brand awareness, more leads, and higher profits. She created the podcast booking industry in 2013 when she founded Interview Connections, the first and leading agency of its kind.Along with her business partner, Margy Feldhuhn, Jessica has quickly scaled Interview Connections to over $2M in annual revenue, and their team of in house Booking Agents are the podcast powerhouses behind many successful entrepreneurs and businesses including Ali Brown, Perry Marshall, Aweber, USA Financial and more.In this episode, you'll learn about how Jessica took a virtual assistant business and scaled it into a highly profitable brand. She'll teach you the importance of knowing your strengths and weaknesses and finding someone to help balance those weaknesses. Jessica talks about how visibility and strategy are the two most important ways to grow your business as well as the importance of close relationships and networking versus vanity numbers such as Instagram followers.Listen is as Jessica takes you along her crazy journey to scale her startup into the success it is today!Connect with your host on Instagram @shauna.armitage and visit www.startuprenegades.com/become-a-renegade to join the free Renegades Community.