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COMMENTAIRE DE L'ÉVANGILE DU JOURMt 12, 1-8En ce temps-là, un jour de sabbat, Jésus vint à passer à travers les champs de blé ; ses disciples eurent faim et ils se mirent à arracher des épis et à les manger. Voyant cela, les pharisiens lui dirent : « Voilà que tes disciples font ce qu'il n'est pas permis de faire le jour du sabbat ! » Mais il leur dit : « N'avez-vous pas lu ce que fit David, quand il eut faim, lui et ceux qui l'accompagnaient ? Il entra dans la maison de Dieu, et ils mangèrent les pains de l'offrande ; or, ni lui ni les autres n'avaient le droit d'en manger, mais seulement les prêtres. Ou bien encore, n'avez-vous pas lu dans la Loi que le jour du sabbat, les prêtres, dans le Temple, manquent au repos du sabbat sans commettre de faute ? Or, je vous le dis : il y a ici plus grand que le Temple. Si vous aviez compris ce que signifie : Je veux la miséricorde, non le sacrifice, vous n'auriez pas condamné ceux qui n'ont pas commis de faute. En effet, le Fils de l'homme est maître du sabbat.» 

Voici l'Évangile du vendredi 17 juillet 2026 :« Le Fils de l'homme est maître du sabbat » (Mt 12, 1-8)En ce temps-là, un jour de sabbat, Jésus vint à passer à travers les champs de blé ; ses disciples eurent faim et ils se mirent à arracher des épis et à les manger. Voyant cela, les pharisiens lui dirent : « Voilà que tes disciples font ce qu'il n'est pas permis de faire le jour du sabbat ! » Mais il leur dit : « N'avez-vous pas lu ce que fit David, quand il eut faim, lui et ceux qui l'accompagnaient ? Il entra dans la maison de Dieu, et ils mangèrent les pains de l'offrande ; or, ni lui ni les autres n'avaient le droit d'en manger, mais seulement les prêtres. Ou bien encore, n'avez-vous pas lu dans la Loi que le jour du sabbat, les prêtres, dans le Temple, manquent au repos du sabbat sans commettre de faute ? Or, je vous le dis : il y a ici plus grand que le Temple. Si vous aviez compris ce que signifie : Je veux la miséricorde, non le sacrifice, vous n'auriez pas condamné ceux qui n'ont pas commis de faute. En effet, le Fils de l'homme est maître du sabbat. » Cet enregistrement est proposé bénévolement pour répandre la Parole de Dieu

With James Woodfall, Communication and Behavior Specialist, Raise Your EI As AI makes expertise more accessible, what becomes an advisor's true advantage? EI expert James Woodfall explains why authentic human connection may be the one thing technology can't replicate. In Summary As artificial intelligence reshapes how information is delivered, financial advisors are being challenged to rethink what truly differentiates their value. Mindy Diamond sits down with James Woodfall, a former wealth management business owner turned emotional intelligence expert and founder of Raise Your EI, to explore why emotional intelligence may become one of the profession's greatest competitive advantages. Together, they discuss how rapport, curiosity, and authentic human connection influence trust, referrals, leadership, and client loyalty and why those skills can be developed just like technical expertise. The conversation also examines the difference between AI's “synthetic empathy” and the authentic relationships clients continue to value—and why that distinction matters to financial advisors now more than ever.   The Storyline For decades, advisors have built successful businesses by combining technical expertise with thoughtful financial guidance. But as AI makes information more accessible and planning tools more sophisticated, expertise alone is becoming less of a differentiator. James Woodfall believes the future belongs to advisors who master something technology cannot authentically replicate: human connection. Drawing on his experience as both a former wealth management firm owner and a specialist in communication and behavioral science, James explains why emotional intelligence isn't simply a “soft skill.” It's a business skill that affects nearly every aspect of an advisory practice—from building trust and earning referrals to leading teams and helping clients make difficult decisions. Mindy and James explore why asking better questions matters more than having better answers, how curiosity creates stronger relationships than scripts ever can, and why advisors who create memorable client experiences may find themselves even more valuable in an increasingly automated world. The conversation ultimately reframes AI not as a replacement for advisors, but as a catalyst forcing the profession to rediscover the uniquely human qualities clients have valued all along.   Topics Covered Emotional intelligence as a business skill Building trust through rapport and curiosity Authentic empathy vs. synthetic AI empathy The psychology behind client decision-making Why referrals are rooted in emotional outcomes Coaching advisors to improve communication Leadership and emotional intelligence AI's impact on advisor differentiation Creating premium client experiences Future-proofing advisory businesses > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why do better questions lead to better financial advice? (6:10) James explains why financial planning is only as good as the conversations that precede it—and why understanding a client's fears and aspirations leads to better outcomes than simply gathering financial facts. How does emotional intelligence translate into business growth? (15:30) Rapport isn't simply about making clients feel comfortable. James discusses why advisors who build trust quickly tend to earn more referrals and become significantly more referable. Can emotional intelligence actually be learned? (37:05) Contrary to popular belief, emotional intelligence isn't an innate personality trait. James explains why it is a trainable skill and how advisors can intentionally improve it throughout their careers. What makes authentic empathy different from AI? (39:10) One of the episode's most compelling discussions explores the difference between AI's ability to simulate empathy and the authentic emotional connection that develops between two people. Why should advisors think more about experience than efficiency? (45:10) Clients don't always pay more for information. Often, they pay more for confidence, judgment, reassurance, and the experience of working with someone they trust. Will AI replace advisors or elevate the best ones? (46:55) James shares why he believes AI is more likely to automate routine work while making relationship-centered advisors even more valuable. Key Takeaways Emotional intelligence is a measurable business capability—not simply a personality trait. Stronger client relationships begin with curiosity rather than advice. Advisors who solve emotional concerns make it easier for clients to recommend than advisors who simply deliver technical expertise. AI may replicate information, but authentic trust remains distinctly human. Premium advisory relationships will increasingly be defined by the experience clients receive—not just the answers they're given. Emotional intelligence improves leadership, client retention, referrals, and advisor well-being. The firms that embrace both technology and human connection will likely be best positioned for the future. https://youtu.be/xlQMQm6mqtc Quotable Moments “Rapport building is one of the foundational things for trust building.” “It's not real empathy. It's synthetic empathy.” “If all of our decisions were made on price, Ferrari wouldn't have a business.” “The advisors who create authentic human connection may be the ones who remain untouchable.” FAQs What is emotional intelligence, and why does it matter for financial advisors? James defines emotional intelligence as the ability to recognize, understand, and influence emotions in ourselves and others. For advisors, those skills strengthen communication, trust, leadership, and client relationships. Can emotional intelligence actually be developed? Yes. Unlike IQ, emotional intelligence can be improved through intentional practice, feedback, coaching, and greater self-awareness. Why do referrals have so much to do with emotional intelligence? Clients often remember and recommend how an advisor made them feel more than the technical work performed. Solving emotional concerns creates stories clients naturally share with others. What does James mean by “synthetic empathy”? AI can recognize language patterns and respond empathetically, but it doesn't genuinely experience human emotion. James argues that authentic empathy remains one of an advisor's greatest competitive advantages. How should advisors think about AI? Rather than viewing AI solely as a competitor, advisors should use it to improve efficiency while investing more time in conversations, judgment, and relationships that technology cannot fully replace. What is the biggest mindset shift advisors should make? Stop viewing emotional intelligence as a soft skill. Treat it as a business skill that directly influences growth, leadership, client loyalty, and long-term differentiation. James defines emotional intelligence as the ability to recognize, understand, and influence emotions in ourselves and others. For advisors, those skills strengthen communication, trust, leadership, and client relationships. Yes. Unlike IQ, emotional intelligence can be improved through intentional practice, feedback, coaching, and greater self-awareness. Clients often remember and recommend how an advisor made them feel more than the technical work performed. Solving emotional concerns creates stories clients naturally share with others. AI can recognize language patterns and respond empathetically, but it doesn't genuinely experience human emotion. James argues that authentic empathy remains one of an advisor's greatest competitive advantages. Rather than viewing AI solely as a competitor, advisors should use it to improve efficiency while investing more time in conversations, judgment, and relationships that technology cannot fully replace. Stop viewing emotional intelligence as a soft skill. Treat it as a business skill that directly influences growth, leadership, client loyalty, and long-term differentiation. Related Resources Why AI Matters Now: Filling the Estate Planning Gap with Wealth.com The Paradox of Choice Traps Successful Advisors Freedom vs. Familiarity: Is It Worth Disrupting Comfort for Something That Might Be Better? Guest Bio James Woodfall, founder of Raise Your EI, is a former financial planner who now advises financial services and firms on how they can leverage emotional intelligence (EI) to improve individual and organizational performance. He is the co-author, with Cliff Lansley, of “The Heart of Finance,” which teaches finance professionals to develop the emotional intelligence needed to build effective and profitable client relationships. NOTE: The views and opinions expressed by the guests on this podcast are their own and do not necessarily reflect the views and opinions of Diamond Consultants. Neither Diamond Consultants nor the guests on this podcast are compensated in any way for their participation. View the transcript of this episode… Emotional Intelligence: The “Untouchable” Differentiator in an AI World A conversation with Mindy Diamond and James Woodfall, Communication and Behavior Specialist at Raise Your EI.      Mindy Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Emotional Intelligence: The “Untouchable” Differentiator in an AI World. It’s a conversation with James Woodfall, Communication and Behavior Specialist from Raise Your EI. I’m Mindy Diamond, and this is the Diamond Podcast for Financial Advisors. At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our Annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. For years, advisors have competed on expertise, the ability to solve problems, deliver answers, and provide guidance clients couldn’t easily find on their own. But today, those answers are becoming easier to access via artificial intelligence and tools like ChatGPT, Claude, and Perplexity. AI can generate planning ideas, summarize complex topics, and answer questions in seconds. As the technology continues to improve, it raises an important question. If information becomes increasingly commoditized, what will clients continue to value most? My guest today, James Woodfall, is the Founder of the training firm, Raise Your EI, and a former wealth management business owner. James now helps advisors, leaders, and organizations strengthen the communication and behavioral skills that drive trust, influence, and performance. Skills rooted in emotional intelligence or EI, something that AI cannot authentically replicate. What’s interesting about James’s perspective is that he doesn’t view emotional intelligence as a soft skill. He views it as a business skill, one that impacts how advisors build rapport, earn referrals, lead teams, deepen client relationships, and ultimately differentiate themselves in an increasingly competitive marketplace that includes human and machine-driven advice. Our conversation explores why rapport is the foundation of trust, how emotional intelligence can be developed like any other professional skill, and why advisors who learn to create authentic human connection may be best positioned to thrive alongside AI, not compete against it. Or as James puts it, remain untouchable in the face of a changing world. Because while technology may continue to reshape how advice is delivered, the experience of being understood, trusted, and guided by another human being remains remarkably difficult to replicate. So, let’s get to it. James, thank you for joining me today, especially coming all the way from the UK. I’m grateful. James Woodfall: Thanks for having me on. Mindy Diamond: So, let’s start at the beginning. You’re a different kind of guest for us, and a topic that is near and dear to my heart because I’m always all about emotional intelligence and EQ, but it’s a topic that sometimes can feel a little squishy to some folks. So, tell us a little bit about your background and really how you got into the world of wealth management. James Woodfall: I got into wealth management probably was by accident while I was, I think about 19 years old. I got a job at a bank because I was living with different jobs and it was the first company that would take me. So I ended up working in a bank as a cashier in a branch. And then after a series of different career moves, I ended up running my own wealth management firm for about nine years, which I sold about three and a half years ago. Around the time that I was selling it, I did my first master’s degree in communication and behavior analysis, and that’s when I started taking a bit of a deep dive into understanding emotional intelligence and behavior and communication. But really, I started that journey before I sold my wealth management company, and really the goal was, how can I become a better financial advisor to my clients by having a better understanding of their psychology behavior around money so that I could communicate with them more effectively, help them build their plans? So I had a bit of a… like a lot of people I speak to in wealth management, they fell into it. Mindy Diamond: So, a lot to unpack there and I’m fascinated by your story. Tell us a little bit about how you began to use or leverage emotional intelligence. You say you got into it or were fascinated by it because it was a way of helping your clients. So, talk to us a little bit about that. How did you begin to see the impact long before you started this business? James Woodfall: So going back a couple of steps to that. When I started the business, it was very transactional. You’d sit down with the client, you find out about what sort of assets they have, what type of plans they have already, and you look for gaps where you can optimize things, or there was a product which they need which you didn’t have. But I moved away from that type of service to a financial planning led service. So, where actually before we get talking about, well, how do we structure your world? We spend a lot of time building a plan in cashflow modeling software. So the one that I used was over at a company called Voyant, and effectively I build a cashflow plan for the clients, which would map out based on assumptions of what age they would reach financial independence. And then that then would then move on to, how to we optimize your holdings? Now what occurred to me pretty quickly in offering that service is that the outputs from that type of exercise are only as good as the inputs. So you’re really relying on the client to be able to come up with the answers to the questions that you ask them to make the financial plan work. And in my experience, quite a lot of the time you sit down with these people and you ask them, “Imagine you’re retired, what does an ideal week look like for you?” So, what I realized is actually I was asking clients a lot of questions which no one had ever asked them before, such as, “If you go retire, imagine you’re retired tomorrow, what does your idea week look like?” Very rarely do we get asked that day-to-day, especially not from friends, family members, certainly. So I went off and actually did a diploma in coaching because I thought initially I want to become better at actually getting people to think about the future and think about plans. And in doing that, I ended up wanting to take a bit of a deeper dive into understanding behavior at a higher level. So that led me on to getting my masters. Impacts on clients though is that I became, and me as well, is that I became a far better listener first. So I listened first, I stopped making so many assumptions as I found I had about people. And really, I think that changed the dynamic in terms of me constant, I suppose, dictating to people about what they should be doing. So of course that’s what a good advisor does, isn’t it, is advice. You switch around into actually making sure you’ve got a deep understanding of people’s hopes, fears, goals, dreams, and then ultimately, you can help them better in terms of optimizing their financial plans and wealth. Mindy Diamond: Yeah. 100% of what you just said speaks to me in a big way, because that is 100% our philosophy. Most recruiters, I don’t mean it disparagingly, but most recruiters in general are pretty transactional. They see a hammer, they see a nail. So, a recruiter sees a financial advisor and he’s a means to an end to making a deal to a transaction. And our whole approach from day one was never about seeing you, financial advisor, as a transaction, but rather first and foremost, wanting to understand what’s important to you. And we get told all the time that we were asking questions that nobody ever asked them before. And I want to unpack it more, because I love what you’re saying. The goal as far as I see it is not just to ask a bunch of questions nobody asked before, but it’s to ask questions as a means to an end, to start out by asking questions that make somebody comfortable that tell them that you care about them. Then it’s about asking questions that they’ve never been asked before because the answers to a question like, “How do you see yourself behaving in retirement,” has everything to do with how much money they’ll need to retire. So, one informs the other. In our world asking somebody, “What are the things that spark you and what are the things that really don’t? And what will you do with this information?” And all those sorts of questions are questions many people had never been asked before, especially if somebody was looking at them as a transaction. And yet, it’s what deepens relationships, it’s what creates trust, and it’s what allows you to identify me as a recruiter, identify the best solution or the best opportunity for someone. So, do you agree with that? Is there anything that I’m off about? James Woodfall: No, that’s exactly the point. I think I’m asking better questions as a wealth manager talking to your client. Because ultimately this is, I suppose, one of the things which comes from understanding emotional intelligence, is that for most of us, we make decisions in motion first and then we justify with logic and reasoning, which is basically back to from. If I was to start with logical reasoning and then expect people to make a buying decision. And so a lot of the time, especially with things like retirement savings, for example, because it’s in the future, it’s over there, especially if it’s 10, 20 years away, people think, “Well, why will I give up so much money a month now for something which is so far in the future that I can’t comprehend it yet?” But if you start reigning the questions in a way which gets to kind of the… Really what you want to uncover is, if you wake up at 3:00 in the morning and you can’t get back to sleep, what’s on your mind? Because if you can uncover that emotion that fits all that kind of pain or problem, then you deal with emotion first and logic second. Mindy Diamond: And it tells you what you need to solve for, right? James Woodfall: Exactly, yeah. Mindy Diamond: If what keeps me up is I’m worried I’m going to outlive my money, and you know that’s your true north in terms of how you begin to tackle that they’re thinking about the future, they want you to focus on the long term. Right? Is that what you get from that? What’s the typical answer you get to that question, that one in particular? James Woodfall: For retirement planning, it’s usually clusters around. “Well, I’m not sure I’m making the right decision. There’s lots of options that are complicated. But really, actually, am I going to have enough money? Am I going to run out?” Because it’s the big question, isn’t it? How long are you going to live and how much are you going to need? Mindy Diamond: Right. As I was preparing for this interview, I think I know the answer because I’m a person that lives in this world that believes fully in, I don’t have a degree in behavioral finance but I’m big on emotional intelligence, connecting, developing trust, and that I don’t have any right to sell anybody anything or suggest anything unless I’ve connected on an interpersonal level. But I don’t know that everybody believes that. So help us, our listeners to understand, why does this matter to financial advisors? So, I’m going to give you two examples. I’m a younger advisor that has, say, five to 10 years in the business, say $100 million or 100 million pounds under management and is looking to really build a business. How and why does the concept of emotional intelligence, of EI, matter to me? And then I’m going to ask you the same question again with respect to someone who manages a billion dollars or a billion pounds. How and why does it matter? James Woodfall: Yeah. I think probably a starting point is, let’s just clear up I suppose in definitions so that we understand what we’re talking about when we say emotional intelligence, it’s an EQ. Because I suppose let’s think about, let’s call EQ the measurement, and emotional intelligence is the concept. So the definition of emotional intelligence is it’s an ability, and it’s this ability to understand and influence emotions in ourselves and others. So within ourselves, can we perceive and understand our own emotions? What turns them on? What triggers them? Can we do something about that? Can we recognize it, manage it in the right context, or either initiate our emotions in the right context? And can we do that when we’re talking to other people? So, are we good at perceiving people’s emotions within different contexts, and are we good at influencing and utilizing that information to help us communicate more effectively? So, these are skills which requires regard within those two roles to make you effective. And so, one of the things that we’ve learned from probably 30 years of people studying emotion intelligence is that if emotion is involved within the job role, emotional intelligence correlates with job performance and has a meaningful impact on the difference between an average and a big performer. So regardless of whether it’s one of the two scenarios that you’ve said, performance improvements are always on the table. But one of the things which tends to happen as you move from, say, up in terms of the money that you’re managing is the stakes get higher. So quite often, you actually need a much far higher degree of self-management, a higher degree of self-awareness, a higher degree of ability to perceive emotions in others, and to be able to communicate with influence. Because quite often as you are dealing with clients who are more affluent, there’s a correlation between actually the skills that your clients have and the skills that they expect you to have as an advisor. So the higher you go up that sort of ladder in terms of value, the more effective you need to be. So that’s where that EQ measurement. If you had to sit down and do an EQ assessment, for example, you need to be scoring way above average the higher up you go. Mindy Diamond: How will somebody begin to notice that developing the emotional intelligence muscle, developing the quantity of EQ, how will that begin to show up and impact their business? James Woodfall: There’s a couple of ways, and I think it really does show up in self-awareness and self-management and awareness and understanding of others. So one of the things which will show up in terms of that awareness and understanding of others is, can you build trusted relationships quickly? So like those skills that we were talking about before about asking better questions and listening, especially the first time you meet a new prospective client, if you can really turn your ears on and get very, very curious about the person that you’re talking to, rapport building is one of the foundational things for trust building. And really, if you get rapport building right, one of the goals should be to find common ground early, because the minute that you can build a connection with people and you start uncovering things that you’ve got in common, it starts signaling to people that actually you’re someone who is like them, on their side, and that they’re someone that you can trust. Now people who get this right, they tend to close more clients and they tend to gain more referrals or recommendations to other clients. And when I used to run my business, referrals was the largest source of new clients. Every single year, all the other different marketing streams, they didn’t produce anything near referrals. And I think back to that, if you look back to the kind of retirement example, if you can really get an answer to that question of, you wake up at 3:00 AM, what’s on your mind, what’s up when you’re getting back to sleep? If you can uncover that and solve that, for a client, it’s far easier to articulate that to a friend than it is for them to explain the technicalities of what you did with their retirement savings. But it’s easier to articulate, “You should absolutely go and see James. We were worried about whether we’re saving enough, he solved that, it’s brilliant, you need to go and see him.” That’s what I mean, is that they’re able to articulate the emotional outcome. Mindy Diamond: Even though what we’re talking about here is someone making the case that strengthening one’s emotional intelligence will make you a better advisor, easier to say that, sounds logical. But you’re connecting it to, you’re saying that someone who actually gets this right, gets it better, is going to create more of an instant rapport rooted in trust, and likely grow their business because it makes them more referable. And those are things that certainly every young advisor wants, but every advisor wants. So, let me switch the tables a second. I get why a young advisor with 100 million wants to get to a billion, why this is really important. They want to do everything they can to really make themselves the most referable. But let’s take the advisor that’s on the back nine that has been doing this 30 years, manages a billion and a half of pounds, dollars in assets under management, is growing by referrals and it’s an organic referral stream. It’s a business that feeds itself. So, while everybody always needs to be in business development mode, they feel like they’ve cracked the code, they’ve got it covered. How and why does this concept impact a senior advisor, someone with a much bigger, more robust book of business? James Woodfall: Yeah, it’s interesting. So if we take a bit of a step back and look at a bit about what some of the research says about the impacts of emotional intelligence, there have been some studies done within financial services about the impact of your training on business outcomes. So there was a study done probably around about between 2000 and 2004 with Ameriprise, and they brought their agents through a year-long emotional intelligence development program. And it was interesting, they measured at the beginning of the program EQ, what someone’s EQ score was, but they measured things like health, anger, trade anger. So, how often were people experiencing anger, stress, and burnout. So they’re measuring all sorts of things other than EQ just to see what the impact of EQ training was. Now EQ scores went up, sales went up, I think on average of about 24% across four cohorts. But things like stress, burnout, health outcomes, perceived health outcomes, people are asked to rate, how would you rate your health, that went up. Experience of anger went down because people become better at managing it. So as you look at the kind of example that you described, I would say that as someone who’s in that stage of the career where they may not have the capacity to take on more clients. So just think, well, actually, I don’t want an uplift of 20%, 24% in sales because I might not process that. But one of the things which I suppose the EI research shows actually is that it impacts your quality of life. And there is finding which is quite common in research, is that actually EI scores correlate with age. So as we go through life and we have sort of ups, downs, highs, lows, and we learn from those. We learn from our emotional experience, and that’s hypothesis, is it feeds into our EQ score. So you’ve probably got people at that later stage of their career who actually probably have had experience which has developed their emotional intelligence. They’ve got mature standing, which means that they might not necessarily need to go out and find new clients. They’ve got experience, which has helped them develop client relationships, but they might want to take a step back at quality of life. If they’re experiencing stress, burnout, pressure, EQ can help absolutely with all of those. The other thing which is quite common as well is that if they’re playing any sort of leadership part within that business now, let’s say if they’re a business owner, EQ absolutely is key for leadership performance. So making sure that you’re building a team of people around you, you can help you develop the business. And actually, EI and leadership’s one of the biggest areas where research has been focused. But I think one of the other things I’ve got to say is that we’ve all got blind spots. It doesn’t matter where we are in life, we’ve all got things that I suppose that we could be better at. And actually shining a lens on those and improving our self-awareness is something that you can develop at all stages. Mindy Diamond: A lot of people in our industry, whether it be a recruiter or an advisor themselves, believe that efficiency or being most effective and efficient is the true north. And that to ask what may fee like unnecessary or ancillary questions that don’t directly get to help me to figure out what your asset allocation is so that I can grow your portfolio, may feel ancillary. And so, is that one of the most common objections you get when somebody, say, comes to you and they’re thinking about retaining you and they’re wondering what the benefit is? James Woodfall: Well, I think the people in firms I tend to talk to, there’s a couple of common things that are coming to mind now. One is pressure around fees. So, how can I make sure I’m articulating my value in a time where clients are more informed, they can go on AI and they come to meetings prepared with answers, and they’re challenging back around the value that advisors can provide. So getting back, I suppose, and the answer is funnily enough, is actually if you’ve designed your service around a proposition which makes yourself easy to replace by someone else who can do it for the same or cheaper price with a promise of better performance, or even in the years coming, a robo-advisor, it’s going to be challenging to retain and grow clients. But I’m not particularly worried about AI. The other types of firms that come to me is to say, “Look, we’ve identified actually that we need to think differently about our business model, what we do and who we serve, because it’s going to be easier than it’s ever been for clients to come up to do some of these things themselves.” But absolutely what is untouchable, I think, is this ability to create a human connection, to sit down and discuss a range of different options. “Do I do X, do I do Y? What are the trade-offs if I choose that over that?” And to uncover those things which, as I said, really keep people up at night and solve for them. I think it’s going to be quite hard to replicate that digitally. Mindy Diamond: So I want to get to a end that you hit the nail on the head, and I want to delve deeper into it. Whatever the advisor is looking for, they may not worry about pressure around fees, they may not be kept up at night. They have a practice or a business that’s worked well all these years and is growing organically and it’s more than good enough. But anybody who isn’t concerned about the potential impact of AI on their business and whether they’re a financial advisor or recruiter or anybody else, is living under a rock. So, the goal for everyone should be to make yourself untouchable. And you hit it on the head, it’s the ability to create human connection. So, I want to ask you something. It occurs to me, you talk a lot about learning to ask the right questions. In some cases, the questions that a client never been asked before makes sense to me. But I think the real skill, I mean, I imagine anybody can teach you a list of questions to ask. The real skill comes in is knowing what to do with that information. So, let’s assume that someone says an advisor says you ask that smart question, “What keeps you up at night? What do you think about at 3:00 AM?” Pressure around fees. I find people, clients asking me, prospects asking me all the time what sort of value I can add, whether it be in the land of AI or competitively, whatever it is, pressure around fees. What do you do? So you’ve asked the smart question, but what do you teach? What do you do with that information? James Woodfall: It’s a mindset, I think, because having just say a list of questions I don’t think is really helpful to any advisor when you’re training them. And yet I find I do get people who, okay, say, “Well, look, what questions should we ask? Have you got a list of questions that you would ask?” I hold back giving those out because I think that, well, that’s what I would say. It’s not necessarily going to land the same way if you say it. The mindset I’m trying to teach advisor is to adopt a curious mindset. So not asking questions for question’s sake, but if I’m talking to someone, what I want to do is I want to understand, how are you thinking? How do you see the problem? What assumptions are you making? What things do you believe which maybe don’t line up with how things are in reality, or goals, objectives, or whatever it is. So I’m trying to understand how you think, and that requires not asking questions off a list of great questions to ask, comes off of understanding the format for that, is utilizing the open questions to gather information, to check assumptions that might sit behind them, because actually understanding those assumptions is really, really useful. And to then summarize and play back to someone that you’re talking to so that you can demonstrate that you’re listening and you deeply understand them, and being able to summarize and be able to succinctly put their words into a, “Well, what do we do next about this?” Mindy Diamond: Yeah, and, why does it matter? I love that because what I always say is it’s art, not science. AI could give you a list of, if I put in the topic of emotional intelligence and give me a list of 10 smart questions to ask relative to X. One of the questions I would ask someone from an emotional perspective that demonstrates I have strong emotional perspective relative to pressure around fees, AI could spit out the questions. But I think you’re 100% right. The real key is being a good listener and meeting someone where they are. And it’s not about a prescribed or canned list of questions that demonstrate you have strong emotional intelligence. It’s much more about asking the right next question, saying the right thing, the validating statement afterwards. And not as a means to an end, not as a means to a transaction, not as just a way of checking the box, I have emotional intelligence, but really because demonstrating that you deeply care. And I like what you said, the notion of a changed mindset. Do people get that right away? I guess what I’m asking is, financial advisors, while smart ones who are looking to make themselves untouchable by AI will get that concept. They’re looking to differentiate themselves and they’re looking to hone the skills that AI can’t bring to the table. But at the same time, financial advisors are number oriented and goal oriented. And so, how long does it typically take to begin to see, or how do you paint the picture about getting from here to there, connecting the dots between strengthening changing your mindset, strengthening your emotional intelligence, and seeing more results? James Woodfall: Well, look, it’s about behavior change, isn’t it? Like any kind of behavior change, there has to be a few things at play. One is that you have to have a good understanding of where you are right now, what things that you are good at, but what things you need to work on. And then effectively the things you need to work on, you need a plan of how you’re going to work on them. So I think commonly how you develop these kind of relational skills is that you need to be able to get close to, what does the goal look like? Where am I headed? If I get this right, what’s it going to look like? And then you need to have a plan to get from A to B. And actually part of that plan has to be built around good feedback. And I was quite lucky where during my career, I worked for two large banks before I started my firm. And I had really, really good training from managers that I worked with, almost on a monthly basis would come and sit in my client meetings and then feedback to me about what I could have done better. And so actually, if you’re going to really commit to developing, I suppose relational skills and becoming more emotionally intelligent, you need help from someone within your firm or externally to come in and actually observe you by trying out new things and giving you feedback. Now of course, you could do some of that yourself if you’re doing a virtual meeting, you could hit record, play it back, be your own analyst. But quite often we can’t see that ourselves, but if you’ve got say a third party, they can watch you in action. Quite quickly they can hone in and say, “Well, actually, you could have asked a different question here, or actually if you’d phrased that like this, you might’ve got a bit more information, or the client closed down when you ask that question.” So actually then, you start to create that behavior change. So feedback I think is one thing, but actually aligning it with really, values, I think. So, one of the things that I suppose is quite important for behavior change is that we are motivated to do things where we strongly believe it’s the right thing to do. So, I think which is why it can be quite difficult for a firm to bring in with a team of advisors and say, “Well, we’re going to roll out emotional intelligence training,” because you’ll get some of us go, “This is brilliant.” Mindy Diamond: Eye roll. I would imagine eye roll is the… It can be a lot of the response, right? James Woodfall: You get a lot of resistance, because some people see it as a criticism of just saying, “Well, actually I’m good at that. I don’t need training in that, thank you very much.” Mindy Diamond: And because if efficiency in getting to a goal is the true north, I mean, I think the mindset shift you’re talking about is going from believing that getting to the goal by just asking the right numbers and dealing in data, changing that from it’s about building a relationship, which ultimately will impact the amount you manage and how you grow and how you connect and all of that stuff. But for people that are goal-oriented, linear in their thinking, I imagine this can be not just felt as a criticism but hard to embrace. James Woodfall: Oh, yeah, no. I think we view the brain as kind of a black box. I do get people I speak to, they go, “Mental health isn’t real. And all of this is psychobabble,” but from the people that I’ve had feedback from, and this is even for people I haven’t trained. I wrote a book about 18 months ago about the topic which talks about emotion intelligence within the 5X context. I’ve had people contact me on LinkedIn and say, “Look, I read your book. I’ve been following your content for a while. I’ve put some of the ideas to work, and I’m now getting my manager and their manager contact me and saying, ‘What are you doing differently?’” Because all of a sudden they’re opening up conversations with clients that they couldn’t before, doing business with clients where they couldn’t before. And all it is that this kind of focus on the client, the relationship, building that connection, and all of a sudden you start seeing that convert into more sales opportunities. Mindy Diamond: Yes and more yes, because that’s always been our philosophy, my philosophy from starting the business and our philosophy, and I couldn’t agree with you more. You articulated it probably as did, I got to it instinctively. You have research behind it, etc. By the way, for our listeners, we will link your book in the notes for this episode if anybody’s interested in buying it. But you hit the nail on the head, so, or you took the words out of my mouth in terms of next question. Who are your clients? Are they individual advisors? Are they independent RIAs? Are they Morgan Stanley and Merrill Lynch? And what kind of work do you do for them? James Woodfall: So, I do, there’s probably two parts to my business. One is the consulting training part, which is going into firms, typically firms that were the owner managed typically, where the owner either is still advising or has a big impact on other behaviors of the advice team that’s underneath them. And really, I work on a consultancy basis. So rather than going and just provide EI training, what I do is effectively start with understanding the business. So exactly as I’ve been talking to you about, the process I used to follow as an advisor, it’s the same process I follow when I’m working with practices, is I want to find out what’s going well in the business. Where are the blockers, what’s not going so well? And I’m a social science researcher. So I’d want to spend some time in the business actually doing a bit of a deep dive and maybe speaking to the team while the owner’s not in the room and finding out a bit about how they’re seeing things. Because ultimately, what that will do is it allows me to look at thematically extracting what types of training interventions might move the needle within the business. And then I put that onto a report for businesses and say, “Look, this is what I think we should be doing.” Some of that might be me working one-to-one, doing that coaching, observing, training with particular people in the business who have been highlighted as requiring development, or it might be group training, might be taking the whole teams through a training program. And then following up, helping build those development plans, and then being there supporting with the one-to-ones as they bed in that behavior change. So, that’s one part of the business. The other part of the business is working for the larger firms. I’ve done a bit of work for Fidelity this year and last year, and they’re looking to hire me as an authority expert on the topic to put together training programs that go out to the advisors that they work with. So, there’s the two aspects, like an external speaker trainer that’s brought in by some of the larger companies. And then the other one is a bit more hands-on, applying not only the science but my experience of having been there and run a business. Mindy Diamond: Right. So are the big firms like… So you mentioned Fidelity, are the wirehouses, Merrill, Morgan, UBS, Wells Fargo, are they embracing this? Are the big banks embracing it, or is this largely in the RIA space right now? James Woodfall: In the UK, there’s been a huge kind of interest in emotional intelligence, behavioral finance, relational skills. And actually, a lot of the kind of people who require influential in the UK are actually based in the US. And so, I think there’s a good bit of crossover. We’ve got good people who are specialists in looking at the retirement piece from a retirement transition about, how do you support people through what is a profound psychological transition? So, I think the RIAs are really interested in it as a topic. Then we’ve got the larger institutions are interested in it either as the RIAs are clients of theirs and they want to be seen to providing thought leadership to the RIAs and helping them develop these skills. But also, we’ve got some quite large companies in the UK now here, like the banks, for example, the banks or the whole exited the advice market in around about 2012, 2013, and then this year they’re starting to come back. So they’ve had 15 years nearly out of the market and they’re coming back because they’re just wanting an opportunity for face-to-face advice. So, I think actually it’s a hot topic now and I think all segments of the market are looking at, how do they develop non-technical skills to help them succeed in the future? Mindy Diamond: Can someone who was not born with strong EQ, can they learn this? James Woodfall: Absolutely. One of the interesting things about EQ is it’s not like IQ, for example. IQ is our a sort of cognitive ability. There was some good research that was done probably about, I think 2016, which looked at, do you remember all this sort of brain training apps like, if you do Sudoku, do you get smarter? You get better at Sudoku, but it doesn’t translate into performance on another. You don’t get better at crosswords from doing Sudoku, for example. So, IQs are pretty much fixed and there’s not a lot we can do about that. But EQ has been shown to be a trainable ability. So regardless of where you are now, if you understand your strengths and weaknesses and put a plan together for improvement, everyone has the ability to improve their EQ. And it’s not like personality, for example, where it’s quite hard to shift the dial. Let’s say if you’re quite strongly introverted and you find social situations difficult, if you just took that approach and said, “Well, look, can we make you extremely extroverted?” The answer would be, well, probably not. But EQ absolutely helps that person because noticing that you feel uncomfortable in, say, a networking situation if you have to do that professionally, having the tools in the bag to manage that feeling and throw yourself into the experience, that’s EQ in action. So, it doesn’t matter your baseline of where you are, EQ can have a big impact on your ability to perform across a range of different contexts, home, work, with friends. Mindy Diamond: Yeah. Let’s talk about your comment that EQ or strong emotional intelligence is what can make an advisor untouchable by AI. And I assume the premise being that, I can’t replace a human relationship. It may be able to come up with the questions, but at least for today it lacks the ability to know what to do with that information and to create the human connection. Talk to me more about that. How and why is that? I mean, is that part of why people are coming to you, because they’re worried about AI encroaching on their business? James Woodfall: Where we are at the moment is actually AI… Let’s look at healthcare for a second. Chatbots in healthcare have actually been outperforming humans in some respects. So there’s a type of therapy called cognitive behavior therapy, that’s been run with AI agents and patients. And as researchers to show that actually, disclosure has increased when patients are speaking to a chatbot because cognitive behavior therapy is like it’s guided, is a method, it’s a methodology to it. But disclosure increases and this theory behind that is is that people open up more when they don’t feel like they’re being judged by another person. So that’s interesting, because that saying to us, “Well, actually, people are trusting AI agents with very, very personal information, and people are already getting that feeling of empathy with AI agents.” Because if you tell an AI agent something deeply personal and it says, “That must have been really difficult for you,” for example. Mindy Diamond: Yeah, it does that well. Wonderful feedback about how great you are or what a smart question you just asked. James Woodfall: Yeah, but it’s synthetic, it’s not real empathy, it’s synthetic empathy. Whilst we might feel actually we get that feeling that we’re being understood, it’s not real. And I think the advisor’s edge is, look, I think where we might end up with this is that if you take a step back and you do this kind of exercise of what’s my ideal client, the ideal client is, I think, now is someone who is still time poor. So yes, an AI agent might be able to interview you, build a financial plan, but do you really want to spend the time doing that or do you have any inclination to do that? No. Well, that’s a perfect client who would hire an advisor. They value human relationships. Obviously when we do get AI entering the advisor market, it’s going to be at a lower price point. So actually, we’re now talking about a difference between experience. So the experience of being with an advisor comes at a premium. So that experience is going to be what people are going to pay additional value for. So, it’s the experience of dealing with a human. It’s the experience of dealing with a human who can talk them through complex information and options, help them understand their thinking and apply judgment, connect with those emotional things. But there’s a whole range of information that we get when we’re talking face-to-face, which AI doesn’t have access to. So back to that retirement example, if we say, “Well, man, I’ve modeled your plan. If we do X, Y, and Z, you’re not going to run out of money when you retire. You’re going to be okay.” And then the person, usually what they do is they sigh with relief, which is actually the emotion of joy, relief is actually happiness. So that sigh of relief and the softening of muscle tension in the body that you see when you’re face-to-face with another person, AI can’t, doesn’t get that data. Mindy Diamond: And how powerful is that? So, why does that matter? If I say, “I have X, I need Y. I have X number of years until I retire. Will I have enough money to retire the way I want to?” AI can spit that answer out faster than any financial advisor and come back hopefully saying, “Yes,” they’ll know that I will experience relief and joy because I’ll write back saying, “Great news.” It’ll say, “Yes, that is fabulous news.” It’ll tell me why I’m relieved and all that sort of stuff. So, why does that matter? James Woodfall: I think fundamentally, it comes back to trust. For those people who can get that quick answer, they’ll go, “Yeah, that’s great.” But there’ll be some people who go, “Yeah, fine. I’ll take that answer at face value.” There’ll be other people who go, “Well, what if you made a mistake?” Quite interesting that actually, people will get the same answer from a human advisor and they’ll trust it more. And I think one of those things is because we’re wired for connection, so when empathy develops, it’s quite interesting. Something which you see in young children, for example, is when we develop at the very early stage, probably about three or four years old, before children have learned to self-regulate their emotions, you see emotional contagion in groups of children happen quite rapidly. You get one child who say gets a toy taken away from them and starts crying, and then all the other children at the same age in the nursery start crying. Now, none of those other ones are crying because they’re sad. They’re crying because we have these things called mirror neurons, which means we pick up and mirror the emotional state of people around us. So, you actually get an experience of shared feeling and especially if you’ve got strong rapport, strong relationship, you actually share emotions of the people around you. Now, of course, as we grow out of that developmental stage, we learn this ability to understand that actually what we’re feeling isn’t happening to us, it’s happening to someone else. But have you ever been around… My favorite example for this is, if my wife has had a bad day at work because she comes home and starts slamming the door and banging cupboards, why I start to feel anger, because it’s rubbing off, it’s in the room. So, it’s this shared understanding that I think is where the value is. And so absolutely the answer might be faster and quicker, but for some clients they value that experience of having that answer delivered by someone who understands them. Mindy Diamond: And I think, so the point is that there will be clients or prospects that will value the efficiency of AI, that don’t necessarily need the face-to-face, that don’t necessarily… They just want the answer. They want the answers to the test, they don’t care how you got there. But what you’re talking about is finding the clients that really value the human connection. And if that’s what in fact is going to make advisors untouchable, then they need to make sure that they really strengthen this skill. James Woodfall: It’s not just the answer, but it’s the whole experience that’s wrapped around that. So actually last year, and my wife took me to a restaurant and we had a lovely, lovely meal. And on the menu there was this cup of coffee and the beans were like one of the rarest beans in the world. They’re the ones that get eaten by this little animal with the jungle in it, poops them out, and then the beans get roasted. But it was about 40 pounds for this cup of coffee and I thought, well, I’m going to have that. But that’s the experience, isn’t it? I could get a cup of coffee at McDonald’s, but actually the experience of this, something which is rare, exclusive, delivered in an amazing environment, that’s what you’re paying for. So, you’ve got to remember that actually if experience dictates a lot of what we value as well. So because if all of our decisions were made on price, Ferrari wouldn’t have a business because everyone would just be buying the cheapest car that does the job. You’re going to think advisors that are going to operating in this space, well, they need to think about the whole package, as in the experience that the plan that’s delivered, and the advice. Mindy Diamond: But it speaks to the notion of any advisor that isn’t thinking about AI’s impact on his business and how to reshape or rewire the business, even just rewiring the value proposition, retooling their value proposition, how they explain their value and what they do needs to change because they’re competing not only with the advisor that sits next to them or down the hall, but they’re competing with AI. How about as AI, as you see AI develop? So fast-forward five years, you and I are talking about where AI is today, but AI is, God knows where it’ll be five years from now. So, how do you foresee, do you still foresee the advisor being untouchable if they get this right, five or 10 years from now? James Woodfall: I don’t think it’s financial advice that’s unique with this, because I think it’s any profession where at the moment human judgment and understanding are valued. Healthcare, for example, same thing, doctors follow consultancy process. You’ve got this like tax, legal, a whole range of professions which are all grappling on the same problem. So I think in five years time, I think the answer is, is that we just don’t know what AI will look like. But certainly in the moment, if you track what Claude are doing with code work, and what Perplexity is doing with its skills and add-ons, a lot of it is actually at the moment geared up to freeing up the advisor’s time so that they can spend more time with clients. So, I think at the moment this sort of trend is looking like AI companies want to support advisors to be way more efficient so that they can deal with more clients. But in five years time, who knows? I think probably one of the biggest leaps that will happen is when AI is no longer working from, say, just a transcript. If it gets out to that kind of chat where you can actually interact with an AI agent like you and I are talking, I think that’s going to provide a different experience, because then you’re moving it from, as I said, that kind of structure where somebody is stuck there tapping away at keyboard, having a conversation with a chatbot, effectively, to actually having a conversation with an embodied agent with a face, gestures, a voice. That I think will start to change things a little bit. Mindy Diamond: Yeah. Well, it will be an interesting future, for sure. This has been a fascinating conversation. I really enjoyed it, and thank you so much for sharing so graciously. Is there anything to wrap up that I didn’t ask you, that you would want an advisor to know about this concept or anything you’re thinking about? James Woodfall: I think we’ve taken a broad sweep and then a deep dive into certain areas. I think really probably have to get started. I think probably one of the… I mean, you mentioned obviously I’ve got a book that you share the links to, which is fantastic. Audiobook is available to that as well on Spotify or wherever audiobooks are listed. I think there’s a lot of good advice in that about how to get started. So, I think for people who are looking at covering that next step of, what do we do, it’d be, yeah, pick up a book and have a bit of a deep dive. If you want to skip the book and come straight to having a conversation with me, then I write a weekly email, which goes out once a week, which is just one topic. So very much like we’ve been talking today, I share ideas on that once a week, or on LinkedIn, I’m around on LinkedIn as well. Mindy Diamond: Good. Well, we will link all of it so everyone knows how to find you. Thank you again for being so gracious. Love the topic, love the work that you’re doing, love that there’s a need for it, and can’t wait to see where you go from here. James Woodfall: Brilliant. No, I enjoyed it. Thank you. Mindy Diamond: Thank you. As a financial advisor, you hold yourself to the highest standards of integrity, honesty, and credibility. You are successful because you take your professional responsibility seriously, and are dedicated to your clients. But are you living your best business life? Are your goals aligned with your firms or could a better option exist? Should I Stay or Should I Go? Is a book written with you in mind? It’s a self-guided journey that walks you through the key steps that we take with our advisor clients. This strategic thought process and roadmap to professional self-discovery is designed to help you ask the right questions and think critically and objectively, whether you’re considering change or not. Learn how to get your copy at diamond-consultants.com/thebook. Emotional Intelligence: The “Untouchable” Differentiator in an AI World A conversation with Mindy Diamond and James Woodfall, Communication and Behavior Specialist at Raise Your EI.      Mindy Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Emotional Intelligence: The “Untouchable” Differentiator in an AI World. It’s a conversation with James Woodfall, Communication and Behavior Specialist from Raise Your EI. I’m Mindy Diamond, and this is the Diamond Podcast for Financial Advisors. At Diamond Consultants, we help elite advisors identify the right environment for their businesses to thrive, whether that’s at a wirehouse, boutique, or independent firm. With nearly three decades of experience, we’ve guided thousands of advisors and represented more than a quarter of a trillion dollars in assets transitioned. And each year, one in four advisors managing a billion dollars or more who change firms are our clients. Our process is education driven and based on building relationships, starting as your strategic partner well before you’re even thinking of a move. To schedule a confidential conversation, call us at (908) 879-1002. Wondering why advisors change firms and where they’re headed? Are transition deals going up or down? Those very questions and more inspired us to create our Annual Advisor Transition Report. It’s the award-winning, data-driven resource designed for advisors that connects the dots between the motivations around movement and the firm’s appetite for top talent. Arm yourself with the knowledge you need to make smart decisions. Download your copy at diamond-consultants.com/transitionreport. For years, advisors have competed on expertise, the ability to solve problems, deliver answers, and provide guidance clients couldn’t easily find on their own. But today, those answers are becoming easier to access via artificial intelligence and tools like ChatGPT, Claude, and Perplexity. AI can generate planning ideas, summarize complex topics, and answer questions in seconds. As the technology continues to improve, it raises an important question. If information becomes increasingly commoditized, what will clients continue to value most? My guest today, James Woodfall, is the Founder of the training firm, Raise Your EI, and a former wealth management business owner. James now helps advisors, leaders, and organizations strengthen the communication and behavioral skills that drive trust, influence, and performance. Skills rooted in emotional intelligence or EI, something that AI cannot authentically replicate. What’s interesting about James’s perspective is that he doesn’t view emotional intelligence as a soft skill. He views it as a business skill, one that impacts how advisors build rapport, earn referrals, lead teams, deepen client relationships, and ultimately differentiate themselves in an increasingly competitive marketplace that includes human and machine-driven advice. Our conversation explores why rapport is the foundation of trust, how emotional intelligence can be developed like any other professional skill, and why advis

COMMENTAIRE DE L'ÉVANGILE DU JOURMt 9, 32-38En ce temps-là, voici qu'on présenta à Jésus un possédé qui était sourd-muet. Lorsque le démon eut été expulsé, le sourd-muet se mit à parler. Les foules furent dans l'admiration, et elles disaient : « Jamais rien de pareil ne s'est vu en Israël ! » Mais les pharisiens disaient : « C'est par le chef des démons qu'il expulse les démons. » Jésus parcourait toutes les villes et tous les villages, enseignant dans leurs synagogues, proclamant l'Évangile du Royaume et guérissant toute maladie et toute infirmité. Voyant les foules, Jésus fut saisi de compassion envers elles parce qu'elles étaient désemparées et abattues comme des brebis sans berger. Il dit alors à ses disciples : « La moisson est abondante, mais les ouvriers sont peu nombreux. Priez donc le maître de la moisson d'envoyer des ouvriers pour sa moisson. » 

Voici l'Évangile du mardi 7 juillet 2026 :« La moisson est abondante, mais les ouvriers sont peu nombreux » (Mt 9, 32-38)En ce temps-là, voici qu'on présenta à Jésus un possédé qui était sourd-muet. Lorsque le démon eut été expulsé, le sourd-muet se mit à parler. Les foules furent dans l'admiration, et elles disaient : « Jamais rien de pareil ne s'est vu en Israël ! » Mais les pharisiens disaient : « C'est par le chef des démons qu'il expulse les démons. » Jésus parcourait toutes les villes et tous les villages, enseignant dans leurs synagogues, proclamant l'Évangile du Royaume et guérissant toute maladie et toute infirmité. Voyant les foules, Jésus fut saisi de compassion envers elles parce qu'elles étaient désemparées et abattues comme des brebis sans berger. Il dit alors à ses disciples : « La moisson est abondante, mais les ouvriers sont peu nombreux. Priez donc le maître de la moisson d'envoyer des ouvriers pour sa moisson. » Cet enregistrement est proposé bénévolement pour répandre la Parole de Dieu

durée : 00:02:46 - Depuis quatre ans, un glaucome a fait perdre l'essentiel de sa vision à Claude. C'est changement de vie radical, mais chaque jour il sort promener son chien. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

COMMENTAIRE DE L'ÉVANGILE DU JOURMt 9, 1-8En ce temps-là, Jésus monta en barque, refit la traversée, et alla dans sa ville de Capharnaüm. Et voici qu'on lui présenta un paralysé, couché sur une civière. Voyant leur foi, Jésus dit au paralysé : « Confiance, mon enfant, tes péchés sont pardonnés. » Et voici que certains parmi les scribes se disaient : « Celui-là blasphème. » Mais Jésus, connaissant leurs pensées, demanda : « Pourquoi avez-vous des pensées mauvaises ? En effet, qu'est-ce qui est le plus facile ? Dire : “Tes péchés sont pardonnés”, ou bien dire : “Lève-toi et marche” ? Eh bien ! pour que vous sachiez que le Fils de l'homme a le pouvoir, sur la terre, de pardonner les péchés… – Jésus s'adressa alors au paralysé – lève-toi, prends ta civière, et rentre dans ta maison. » Il se leva et rentra dans sa maison. Voyant cela, les foules furent saisies de crainte, et rendirent gloire à Dieu qui a donné un tel pouvoir aux hommes. 

Voici l'Évangile du jeudi 2 juillet 2026 :« Les foules rendirent gloire à Dieu qui a donné un tel pouvoir aux hommes » (Mt 9, 1-8)En ce temps-là, Jésus monta en barque, refit la traversée, et alla dans sa ville de Capharnaüm. Et voici qu'on lui présenta un paralysé, couché sur une civière. Voyant leur foi, Jésus dit au paralysé : « Confiance, mon enfant, tes péchés sont pardonnés. » Et voici que certains parmi les scribes se disaient : « Celui-là blasphème. » Mais Jésus, connaissant leurs pensées, demanda : « Pourquoi avez-vous des pensées mauvaises ? En effet, qu'est-ce qui est le plus facile ? Dire : “Tes péchés sont pardonnés”, ou bien dire : “Lève-toi et marche” ? Eh bien ! pour que vous sachiez que le Fils de l'homme a le pouvoir, sur la terre, de pardonner les péchés… – Jésus s'adressa alors au paralysé – lève-toi, prends ta civière, et rentre dans ta maison. » Il se leva et rentra dans sa maison. Voyant cela, les foules furent saisies de crainte, et rendirent gloire à Dieu qui a donné un tel pouvoir aux hommes. Cet enregistrement est proposé bénévolement pour répandre la Parole de Dieu

Bienvenue dans La Voie De La Passion, l'émission qui rencontre ceux qui s'engagent sans rien attendre en retour. À une époque où l'argent est devenu « le nerf de la guerre », où il contrôlerait notre temps et où il est impossible de s'en passer, nous souhaitons valoriser ce qu'apportent les engagements bénévoles et/ou peu lucratifs à ceux qui s'investissent dedans. Notre dernier invité de l’année a fait de son handicap une force. A 24 ans, Stéphane perd la vue à la suite d’un cancer de la rétine. Sa vie bascule, mais l’angevin rebondit et découvre le judo… Pendant 55 minutes, il nous raconte comment il est tombé amoureux de ce sport, au point de l’enseigner désormais. La Voie De La Passion, une émission présentée par Morgan JUVIN et Anatole LECOUFFE, tous les troisièmes lundis du mois de 13h à 14h sur Radio Campus Angers, 103FM. N’hésitez pas à nous suivre sur nos réseaux pour découvrir nos autres contenus : @ch0ueps (Instagram et Youtube).

COMMENTAIRE DE L'ÉVANGILE DU JOURMc 11, 11-25Après son arrivée au milieu des acclamations de la foule, Jésus entra à Jérusalem, dans le Temple. Il parcourut du regard toutes choses et, comme c'était déjà le soir, il sortit pour aller à Béthanie avec les Douze. Le lendemain, quand ils quittèrent Béthanie, il eut faim. Voyant de loin un figuier qui avait des feuilles, il alla voir s'il y trouverait quelque chose ; mais, en s'approchant, il ne trouva que des feuilles, car ce n'était pas la saison des figues. Alors il dit au figuier : « Que jamais plus personne ne mange de tes fruits ! » Et ses disciples avaient bien entendu. Ils arrivèrent à Jérusalem. Entré dans le Temple, Jésus se mit à expulser ceux qui vendaient et ceux qui achetaient dans le Temple. Il renversa les comptoirs des changeurs et les sièges des marchands de colombes, et il ne laissait personne transporter quoi que ce soit à travers le Temple. Il enseignait, et il déclarait aux gens : « L'Écriture ne dit-elle pas : Ma maison sera appelée maison de prière pour toutes les nations ? Or vous, vous en avez fait une caverne de bandits. » Apprenant cela, les grands prêtres et les scribes cherchaient comment le faire périr. En effet, ils avaient peur de lui, car toute la foule était frappée par son enseignement. Et quand le soir tomba, Jésus et ses disciples s'en allèrent hors de la ville. Le lendemain matin, en passant, ils virent le figuier qui était desséché jusqu'aux racines. Pierre, se rappelant ce qui s'était passé, dit à Jésus : « Rabbi, regarde : le figuier que tu as maudit est desséché. » Alors Jésus, prenant la parole, leur dit : « Ayez foi en Dieu. Amen, je vous le dis : quiconque dira à cette montagne : “Enlève-toi de là, et va te jeter dans la mer”, s'il ne doute pas dans son cœur, mais s'il croit que ce qu'il dit arrivera, cela lui sera accordé ! C'est pourquoi, je vous le dis : tout ce que vous demandez dans la prière, croyez que vous l'avez obtenu, et cela vous sera accordé. Et quand vous vous tenez en prière, si vous avez quelque chose contre quelqu'un, pardonnez, afin que votre Père qui est aux cieux vous pardonne aussi vos fautes. » 

Voici l'Évangile du vendredi 29 mai 2026 :« Ma maison sera appelée maison de prière pour toutes les nations. Ayez foi en Dieu » (Mc 11, 11-25)Après son arrivée au milieu des acclamations de la foule, Jésus entra à Jérusalem, dans le Temple. Il parcourut du regard toutes choses et, comme c'était déjà le soir, il sortit pour aller à Béthanie avec les Douze. Le lendemain, quand ils quittèrent Béthanie, il eut faim. Voyant de loin un figuier qui avait des feuilles, il alla voir s'il y trouverait quelque chose ; mais, en s'approchant, il ne trouva que des feuilles, car ce n'était pas la saison des figues. Alors il dit au figuier : « Que jamais plus personne ne mange de tes fruits ! » Et ses disciples avaient bien entendu. Ils arrivèrent à Jérusalem. Entré dans le Temple, Jésus se mit à expulser ceux qui vendaient et ceux qui achetaient dans le Temple. Il renversa les comptoirs des changeurs et les sièges des marchands de colombes, et il ne laissait personne transporter quoi que ce soit à travers le Temple. Il enseignait, et il déclarait aux gens : « L'Écriture ne dit-elle pas : Ma maison sera appelée maison de prière pour toutes les nations ? Or vous, vous en avez fait une caverne de bandits. » Apprenant cela, les grands prêtres et les scribes cherchaient comment le faire périr. En effet, ils avaient peur de lui, car toute la foule était frappée par son enseignement. Et quand le soir tomba, Jésus et ses disciples s'en allèrent hors de la ville. Le lendemain matin, en passant, ils virent le figuier qui était desséché jusqu'aux racines. Pierre, se rappelant ce qui s'était passé, dit à Jésus : « Rabbi, regarde : le figuier que tu as maudit est desséché. » Alors Jésus, prenant la parole, leur dit : « Ayez foi en Dieu. Amen, je vous le dis : quiconque dira à cette montagne : “Enlève-toi de là, et va te jeter dans la mer”, s'il ne doute pas dans son cœur, mais s'il croit que ce qu'il dit arrivera, cela lui sera accordé ! C'est pourquoi, je vous le dis : tout ce que vous demandez dans la prière, croyez que vous l'avez obtenu, et cela vous sera accordé. Et quand vous vous tenez en prière, si vous avez quelque chose contre quelqu'un, pardonnez, afin que votre Père qui est aux cieux vous pardonne aussi vos fautes. » Cet enregistrement est proposé bénévolement pour répandre la Parole de Dieu

Should technical professionals go freelance immediately or start as employed advisers? Alwyn Van Staden's journey offers a fresh perspective on entering financial planning from a technical background.In this episode of Financial Planner Life, we chat to Alwyn about his strategic career path from investment management to financial advice. Despite having deep technical knowledge and years of experience at major firms, Alwyn made a choice to join St. James's Place as an employed adviser instead of going independent immediately.The result? He's now managing over £150 million in client assets as an independent adviser with Pinnacle Wealth Management.Alwyn shares his perspective on why employment first worked better than jumping straight into freelance life, how technical skills transfer to client success, and why building confidence matters more than rushing into independence.Sam and Alwyn discuss the real pressures of starting a financial planning career, the benefits of structured training programmes, and how employment can actually be more liberating than restrictive for career changers.The episode's key takeaways

Illustrateur et dessinateur basé à Bienne, Simon Beuret travaille également comme lithographe. Après Eye Contact (Atrabile, 2023), " polar sans crime " bourré de charme et dʹhumour, il revient avec un nouvel album "Flèche". Flèche, concierge Suisse allemand dʹune cinquantaine dʹannées, sabote secrètement le matériel de lʹimmeuble pour le réparer ensuite et se rendre essentiel aux yeux de son chef. Voyant sa vieille mère approcher de la mort, il se met en tête de saboter le temps. Simon Beuret est lʹinvité de Pierre Philippe Cadert.

durée : 00:28:45 - Une histoire particulière - par : Stéphane Bonnefoi - Le Fakir birman occupe une place importante sur la scène médiatique parisienne des années 30. Entre voyance et spectacle d'inspiration fakirique... - réalisation : Anne Perez

durée : 00:28:45 - Une histoire particulière - par : Stéphane Bonnefoi - Le Fakir birman occupe une place importante sur la scène médiatique parisienne des années 30. Entre voyance et spectacle d'inspiration fakirique... - réalisation : Anne Perez

durée : 00:28:45 - Les documentaires de France Culture - réalisation : Emmanuel Laurentin, Sandrine Chapron Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Olivier, non-voyant de naissance, ne s'ennuie jamais et s'intéresse à la lecture en braille ainsi qu'aux nouvelles technologies adaptées. Installé à Grenoble, il souhaite rencontrer des femmes malvoyantes pour partager des moments d'amitié et rompre l'isolement. Il participe à plusieurs associations et espère élargir son cercle de relations. Chaque soir, en direct, Caroline Dublanche accueille les auditeurs pour 2h30 d'échanges et de confidences. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.frHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

durée : 00:06:54 - Portrait d'Étienne Rall, seul pianiste non-voyant élève du CNSMdP - par : Louis-Valentin Lopez - Étienne, pianiste, a eu 18 ans jeudi dernier. Particularité : il est le seul musicien aveugle à étudier au Conservatoire national supérieur de Paris, qu'il a rejoint en septembre. Rencontre. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Au programme de cette émission, comme tous les mercredis, c'est une émission spéciale municipale dans le sous-marin. Chaque semaine, nous invitons des associations, syndicats ou acteurs locaux pour parler d'un enjeux important lié aux élections. Nous avons déjà parlé d'éducation, de transports, de cultures. Aujourd'hui, c'est le thème de l'écologie qu'on met sur le devant de la scène. Avec nous ce soir dans le sous-marin, Xavier Métay de France Nature Environnement Pays de la Loire et Gaël Virlouvet de Téhop. Paolo et Cloé se sont rendus à l'atelier “Voyant et non-voyant, écrire ensemble ! ” organisé par les archives départementales 49. Et aujourd'hui, Isabelle sera bien-sûr présente pour sa chronique cinéma. Les bonnes ondes c’est pour tout le monde ! Playlist : Visiblement > Isha et Limsa d'Aulnay /

Tous les matins à 6h35 on écoute vos messages laissés sur l''insta et FB du réveil Chérie !

« Voyant les foules, Jésus fut saisi de compassion » (Mt 9, 35 – 10, 1.5a.6-8)Méditation par le Père Jean Jacques DutenChant Final : "Le royaume est proche" de la Chorale LaetareRetrouvez tous nos contenus, articles et épisodes sur rcf.frSi vous avez apprécié cet épisode, participez à sa production en soutenant RCF.Vous pouvez également laisser un commentaire ou une note afin de nous aider à le faire rayonner sur la plateforme.Retrouvez d'autres contenus de vie spirituelle ci-dessous :Halte spirituelle : https://audmns.com/pMJdJHhB. A. -BA du christianisme : https://audmns.com/oiwPyKoLe Saint du Jour : https://audmns.com/yFRfglMEnfin une Bonne Nouvelle : https://audmns.com/afqCkPVConnaître le judaïsme : https://audmns.com/VTjtdyaEnfin, n'hésitez pas à vous abonner pour ne manquer aucun nouvel épisode.À bientôt à l'écoute de RCF sur les ondes ou sur rcf.fr !Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

durée : 00:25:07 - Jean Guidoni, chanteur et parolier (2/5) - par : Laurent Valero - Hier, le chanteur évoquait ses débuts à Toulon et son installation à 18 ans comme coiffeur à Marseille, où il découvre le Music-Hall. Aujourd'hui, il se souvient d'Ingrid Caven au Pigall's à Paris et de l'auteur Pierre Philippe, une rencontre décisive pour sa carrière. - réalisé par : Béatrice Trichet Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

En ce temps-là, Jésus se rendit dans une ville appelée Naïm. Ses disciples faisaient route avec lui, ainsi qu'une grande foule. Il arriva près de la porte de la ville au moment où l'on emportait un mort pour l'enterrer ; c'était un fils unique, et sa mère était veuve. Une foule importante de la ville accompagnait cette femme. Voyant celle-ci, le Seigneur fut saisi de compassion pour elle et lui dit : « Ne pleure pas. »

Les invocations lorsque le vent souffle-...-En voyant la nouvelle lune by XamSaDine

durée : 00:15:29 - Journal de 12h30 - Après 4 mois de menaces, de surenchères, de désescalades, les États-Unis et les 27 signent un accord commercial qui, dans ses grandes lignes, taxe à 15 % les exportations européennes. On n'en connaît pas encore les détails.

durée : 00:15:29 - Journal de 12h30 - Après 4 mois de menaces, de surenchères, de désescalades, les États-Unis et les 27 signent un accord commercial qui, dans ses grandes lignes, taxe à 15 % les exportations européennes. On n'en connaît pas encore les détails.

Today, Dr. Robert Whitfield sits down for a chat with former race car driver, Danica Patrick. Danica opens up about what it was like to move to England at just 16 to chase her racing dreams, her personal experience with breast implants, and the health struggles she faced because of them. She and Dr. Whitfield discuss the road to recovery, the importance of self-care, and the need to truly listen to what your body is telling you. They also shine a light on Danica's shift into entrepreneurship and stress how important it is to raise awareness and offer support for anyone dealing with breast implant illness and similar health challenges. Bio: Danica Patrick Danica Patrick is a trail-blazing former racecar driver who smashed motorsport records: first woman to lead laps & finish top-5 at the Indy 500, first female winner of a major North American open-wheel race, and first woman to claim a NASCAR Cup Series pole, capping her career with the 2018 “Danica Double” at Daytona 500 and Indy 500. Named to TIME's “100 Most Influential People” and featured in a record 14 Super Bowl ads, Danica has since shifted gears into entrepreneurship. She owns Somnium Vineyard in Napa, expanded with Danica Rosé and the VOYANT home line, and hosts the bestselling book-turned-podcast Pretty Intense. Connect: @danicapatrick | @SomniumWine | @DanicaRoseWine.Danicapatrick.com (https://www.danicapatrick.com/) Show Highlights: Danica's Move to England & Early Racing Career (00:01:13) Moving to England at 16, adapting to a new environment, and early racing experiences. *Decision to Get Breast Implants (00:08:37) * Motivations for getting breast implants and Danica's initial trust in their safety *Onset and Progression of Health Issues (00:10:54) * Gradual onset of symptoms and complications after getting implants Heavy Metals, Detox, and Health Challenges (00:11:52) Heavy metal toxicity, detox protocols, and the impact of diet and implants *Diet, Recovery, and Symptom Awareness (00:14:14) * Dietary habits, symptom awareness, and the journey to identifying breast implant illness *Medical Workups and Explant Surgery (00:14:48) * Medical workups, failed treatments, and eventual decision to explant in April 2022 *Thyroid Issues and Post-Explant Recovery (00:18:40) * Thyroid medication, inflammation, and the body's response after explant surgery *Detoxification, Sweating, and Alternative Therapies (00:28:54) * Sweating, detoxification, and alternative therapies like IBU and steam saunas Links and Resources Let's Connect Podcast: https://podcasts.apple.com/gb/podcast/breast-implant-illness/id1678143554 Spotify: https://open.spotify.com/show/1SPDripbluZKYsC0rwrBdb?si=23ea2cd9f6734667 TikTok: https://www.tiktok.com/@drrobertwhitfield?t=8oQyjO25X5i&r=1 IG: https://www.instagram.com/breastimplantillnessexpert/ FB: https://www.facebook.com/DrRobertWhitfield Linkedin: https://www.linkedin.com/in/dr-robert-whitfield-md-50775b10/ X: https://x.com/rob_whitfieldmd Read this article - https://www.breastcancer.org/treatment/surgery/breast-reconstruction/types/implant-reconstruction/illness/breast-implant-illness Shop: https://drrobssolutions.com SHARP: https://www.harp.health NVISN Labs - https://nvisnlabs.com/ Get access to Dr. Rob's Favorite Products below: Danger Coffee - Use our link for mold free coffee - https://dangercoffee.com/pages/mold-free-coffee?ref=ztvhyjg JASPR Air Purifier - Use code DRROB for the Jaspr Air Purifier - https://jaspr.co/ Echo Water - Get high quality water with our code DRROB10 - https://echowater.com/ BallancerPro - Use code DRROBVIP for the world's leader in lymphatic drainage technology - https://ballancerpro.com Ultrahuman - Use code WHITFIELD10 for the most accurate wearable - https://www.ultrahuman.com/ring/buy/us/?affiliateCode=drwhitfield

Dans ce nouvel épisode de Panim El Panim

Bonjour les Gwood ! Bonjour l'Amérique ! Et le monde est aussi connecté sur les réseaux sociaux. Cela va être une réunion fantastique. Oui, un rassemblement de toutes les nations autour du monde. Voyant le nom de Jésus élevé. Amen ! Applaudissons-le ! Merci Seigneur ! Louez-sois ton nom, merveilleux...

Pascal Praud revient pendant deux heures, sans concession, sur tous les sujets qui font l'actualité. Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour. Vous voulez réagir ? Appelez-le 01.80.20.39.21 (numéro non surtaxé) ou rendez-vous sur les réseaux sociaux d'Europe 1 pour livrer votre opinion et débattre sur grandes thématiques développées dans l'émission du jour.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode Nathan Introduces Connor Cottle, and gets more on his background. Listen to Connor and Nathan, as Connor talks about his journey into becoming a lawyer, then his time before joining the Voyant legal team. Connor talks about his path into estate planning law and his role at Voyant Legal. He talks about personal experiences and knowledge from past experiences.

Aujourd'hui, Charles Consigny, Jean-Loup Bonnamy et Éléonore Lemaire débattent de l'actualité autour d'Olivier Truchot.

Au cœur de la nuit, les auditeurs se livrent en toute liberté aux oreilles attentives et bienveillantes de Valérie Darmon. Pas de jugements ni de tabous, une conversation franche, mais aussi des réponses aux questions que les auditeurs se posent. Un moment d'échange et de partage propice à la confidence pour repartir le cœur plus léger. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode of THE MENTORS RADIO, Host Dan Hesse talks with motorsport legend Danica Patrick who discusses her remarkable career racing against the men and how her program--which combines mental conditioning, physical fitness and a Paleo-inspired diet--can lead to a healthier and happier life. Racing legend Danica Patrick broke barriers and set records through her on-track performance in the male-dominated world of professional motorsports. Danica was named to TIME's “100 Most Influential People” list, has graced the cover of many prestigious publications, and she has appeared in a record-setting 14 Super Bowl commercials. In 2005, Danica stunned the world by leading 19 laps and finishing fourth in her first Indianapolis 500. In 2008, Danica made history again, becoming the first woman to win a major-league open-wheel race with her victory in the IndyCar Series Indy Japan 300. In 2013, as Danica transitioned to the NASCAR Cup Series, she made headlines with her record-setting performance in the 55th Daytona 500 race when she became the first woman to win a NASCAR Cup Series pole. She holds the record for most top-10 finishes of any female in the NASCAR Cup Series, and in 2018, she shattered another glass ceiling when she became the first female host of the ESPY's – ESPNs Sports Award show. Retired from racing, Danica's focus has shifted to her role as an entrepreneur and business owner. She launched the clothing line – Warrior by Danica Patrick, she entered the home space with the launch of VOYANT by Danica, she authored the book Pretty Intense, describing how focusing on the mind, body and the food we eat leads to success in life. Danica is also the sole proprietor of Somnium, a vineyard in Napa Valley. LISTEN TO the radio broadcast live on iHeart Radio, or to “THE MENTORS RADIO” podcast any time, anywhere, on any podcast platform – subscribe here and don't miss an episode! SHOW NOTES: DANICA PATRICK: BIO: BIO: Danica Patrick BOOKS: Danica, Crossing the Line, by Danica Patrick with Laura Morton Pretty Intense: The 90-Day Mind, Body and Food Plan that will Absolutely Change Your Life , by Danica Patrick with Stephen Perrine PODCAST: Pretty Intense with Danica Patrick WEBSITE: www.danicapatrick.com

Pierre, malvoyant depuis dix ans, a été victime d'une agression verbale et physique dans un magasin en raison de son handicap. Il exprime sa douleur face à l'indifférence des témoins et la difficulté de porter plainte par peur de représailles. Cette saison, Joseph Agostini accueille les auditeurs le dimanche soir de 23h à 1h sur RTL au 09 69 39 10 11.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Depuis qu'il a perdu la vue il y a 11 ans, Serge lutte pour retrouver confiance en lui et en les autres, mais l'arrivée de Tia, son chien guide, lui ouvre de nouvelles perspectives et l'aide à renouer avec le monde qui l'entoure.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Au cœur de la nuit, les auditeurs se livrent en toute liberté aux oreilles attentives et bienveillantes de Valérie Darmon. Pas de jugements ni de tabous, une conversation franche, mais aussi des réponses aux questions que les auditeurs se posent. Un moment d'échange et de partage propice à la confidence pour repartir le cœur plus léger.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Welcome to another Q&A show - this week we cover tax free cash from DB pensions, annuities vs drawdown and whether you should pay down a buy to let mortgage or invest. Plus quite a bit more! Shownotes: https://meaningfulmoney.tv/QA9  Questions 00:41 Question 1 Hi Pete and Roger. Thanks for your wisdom over the years. My question came about from an answer you gave on a previous Q&A about AVCs and tax free cash. You mentioned it was possible (sometimes) to use AVCs as tax free cash to preserve the maximum DB benefit. I have some follow up questions that relate to - A small DB pension that doesn't appear to offer tax free cash. - A small DB pension that does offer tax free cash, but I have left that job so can no longer contribute to that pension (AVCs or otherwise) I don't have AVCs in these pensions, but I do have a DC pot separately. Would I be able to use take tax free money from my DC pension if I took it at the same time I took the DB pension sort of in lieu of the tax free component of my overall pension? I suspect this is clutching at straws, but thought it worth checking. Many thanks. Loyal listener, Mark 03:11 Question 2 Hi Pete & Roger! I hail from Northern Ireland and enjoy your Podcast to keep my mind active and up to date in all things financial - Top job. I have been looking at having a go at Voyant after various spreadsheets of my own as a way to play with the numbers so was considering a meaningful academy course - question is which course is right for me? I am in mid 40's and financially secure so in theory wealth all ready built? Mortgage paid, multiple residential and commercial properties owned debt free and an sizeable equity portfolio and so should I be looking at the retirement or wealth course? John   05:30 Question 3 Great podcast and been an avid listener for the last year. I have a question which, I think I know the answer but I'd be curious on your perspective. Background: - I divorced in 2021 and as part of that agreed to transfer the house over to my ex-wife and a charge put on the deeds so that when it's sold I'm owed a percentage of the sale. - The house going on the market will be (or should be) triggered when my youngest son reaches 18 or leaves full-time education. This will be either 2028 or 2031. - Since the divorce I've been able to purchase another house and this is my permanent residence. I'm a higher rate tax payer, and when that ex-marital home is sold I'd expect to get somewhere around £200k. However I won't actually need that to hit my retirement goals and would prefer to pass that onto my 3 kids. Could you please discuss options on how I might do that in the most tax efficient way. Best Regards, Dave   10:38 Question 4 Hello Pete & Rog, I stumbled across the show a month ago and have been "binge listening" since then, its amazing, where have you been all my life, keep it up guys. I am actively preaching the Gospel according to Pete to all and sundry. I am a 61 years old Veteran in receipt of a Military (DB) pension to the amount of £18k per annum, which is index linked to CPI. Additional to this, I have a moderate private pension to the amount of £150k which I contribute £500 per month, it has an approx growth of circa 15% I also have a small Stocks and Shares ISA, valued at £15k which I contribute a minimum of £250 per month, this is also growing at approx 14% pa. I am currently working and contributing the minimum amount into a work placed pension with NEST. I am planning to look at retirement at either my next birthday in October 25 (62yrs old) or continue until 65 as I am enjoying work. I have deliberately avoiding factoring in my wife as she is a senior manager within the public sector and has a good DB scheme Final/Average earnings Pension. My question is pension related and I have a dilemma as to decide between either an Annuity to boost my Mil Pension or veer towards a form of drawdown option at a higher rate until SPA and then look to reduce down withdrawals in order to be tax efficient and make it last longer? I am debt free with mortgage paid off and only real major expense is a holiday account which we both contribute to as we like luxury holidays, I hear Rog saying "spend it now". No plans to put anything towards estate planning as both sons are very successful and they will probably inherit our home in time. Just looking for some guidance on what feels may be the right decision under the circumstances, keep up the great work guys, love the show. Michael   16:34 Question 5 Dear Pete & Rog, I have a pensions Annual Allowance query, the answer to which might be of interest to the MeMo community. A relative uses salary sacrifice for her occupational DC pension scheme, and the employer contributes £40k, annually, into her plan. Normally, she doesn't make any personal contributions into any pension schemes, but after receiving a windfall, she is minded to do so via a newly opened SIPP — she has rejected the option of increasing her salary sacrifice amount, and wishes to contribute part of her windfall separately from her occupational DC scheme. Her (post-sacrifice) relevant UK earnings are £35k, so she is planning to contribute £20k gross into the SIPP (£16k net); in order to consume the full Annual Allowance limit of £60k [£40k (employer) + £20k (personal)]. The SIPP provider has advised her that she can actually contribute the whole £35k (gross) by using ‘carry forward'; as she hasn't made any personal contributions in previous years [she's only ever used salary sacrifice]. Is the SIPP provider correct? Kind Regards, James   18:15 Question 6 Husband and I are in our late 50's. We have a £30k interest only mortgage on our home, with £350k of interest only mortgages on 3 buy to let's. Husband has £350k in personal pension and I have a civil service pension (I have taken my final salary element of civil service pension). My B2L' s give £2300 income per month against associated costs of £1100 per month. My question is around reducing our borrowing versus investing in stocks and shares ISA. I have been comfortable in having my buy to let's on interest only mortgages but I am now questioning my approach. We are intending holding at least 2 of the 3 properties throughout our retirement. I am thinking of using the next 5 years to position ourselves for our retirement. I could start to invest £500 into a stocks and shares ISA or I could pay down the mortgages. I am torn between approaches and would value your input on this. I have only just discovered your podcast and it is now a weekly listen for me. I hope I have explained this fully and look forward to hearing your views. Helen.  

durée : 00:26:19 - Concertations sur les retraites: Force ouvrière claque la porte, y voyant une "mascarade"

In this episode, I welcome Danica Patrick, renowned racecar driver, entrepreneur, and author. We explore the profound impact of purpose, discipline, and challenging experiences on personal development and speak about career evolution and authenticity amidst societal expectations. Danica and I reflect on balancing masculine and feminine energies and fostering dialogue for positive change. Our conversation dives into the complexities of self-expression and human consciousness, drawing on insights from plant medicine and personal transformative journeys to Sedona and Egypt. We also discuss spirituality, skepticism, parenthood's impact on purpose, and prioritizing genuine relationships over social media. Additionally we examine the relationship between success, sacrifice, and personal growth and highlight the importance of self-care, intuition, and intention-based decision-making. Join me on this deep dive of a conversation that will inspire you on your journey toward authenticity and fulfillment. Danica Patrick, a trailblazing racecar driver, broke barriers and set records in professional motorsports, including being the first woman to lead laps and score a top-five finish in the Indianapolis 500 and win a major open-wheel race in North America. Transitioning to NASCAR, she made headlines as the first woman to win a NASCAR Cup Series pole and achieve the highest finish for a woman in the Daytona 500. Retiring in 2018, Danica has since focused on her entrepreneurial ventures, founding Somnium, a vineyard in Napa Valley, and launching VOYANT by Danica. She authored the book Pretty Intense, which led to a popular podcast of the same name. Danica continues to inspire through speaking engagements and plans to expand her initiatives in the coming years. —Danica's Instagram: https://www.instagram.com/danicapatrick  —Danica's Website: https://www.danicapatrick.com/ —Danica's Podcast: https://www.danicapatrick.com/podcasts  If you want to dive deeper into Mark's content, search through every episode, find specific topics we've covered, and ask him questions, go to his Dexa page: https://dexa.ai/markgroves Themes: Authenticity, Belonging, Relationships, Spirituality, Boundaries, Self-Worth, Self-Love, Health, Transformation, Conflict, Career, Mental Health, Purpose, Self-Discovery, Intuition, Empowerment, Personal Development This episode is sponsored by: —Cozy Earth: Use code MARK for 40% off sitewide at http://www.cozyearth.com —Organifi: Use code CREATETHELOVE for 20% off sitewide at http://www.organifi.com/createthelove Contact us at podcast@markgroves.com for sponsor product support, questions, comments, or just to say hello! Learn more about your ad choices. Visit megaphone.fm/adchoices