Podcasts about wachovia bank

Stijn Schmitz welcomes back Michael Oliver from Momentum Structural Analysis MSA to the show. Michael Oliver opens the discussion by highlighting what he considers the most explosive signal in his decades-long career: the historic undervaluation of gold and silver miners relative to gold. He explained that for decades, the XAU index averaged around 25% of the gold price, but this ratio has collapsed and is currently trading near 9%. Oliver pointed to a critical technical breakout occurring in the GDX-to-gold spread, which is moving above a 13-year resistance range. This breakout, he argued, is a powerful signal not just for miners to vastly outperform the metal, but also for an impending dramatic price advance in gold itself, as the spread only rises during precious metals bull runs. The conversation shifted to the broader macroeconomic backdrop, where Oliver identified a “nuclear” government bond crisis as the primary catalyst. He warned that the US Treasury market is far larger than the stock market and is now slipping into quarter-century lows in price, reflecting extreme distrust among investors. Oliver stated that central banks will have no choice but to print money aggressively to defend their debt markets, which will further degrade the currency unit and propel gold higher. He believes this environment will force large asset managers to rotate out of an overvalued stock market, where key financial sector ETFs are showing imminent technical breakdowns, into a vastly underpriced commodity sector. Regarding other commodities, Oliver maintained that silver is the single most explosive market, being historically repressed relative to gold and the broader money supply. He suggested that if silver merely caught up to the rise seen in other metals since the 1980s, a price of $500 would not be shocking. On oil, he argued it remains vastly underpriced relative to both its historical highs and the decay of the dollar, predicting a broad repricing of commodities as an asset class. Finally, Oliver cautioned that the US dollar index is on the verge of a sharp decline, breaking down from a year-long consolidation, which could accelerate gold's rally and inflict further damage on US equities. Timestamps: 00:00:00 – Introduction 00:01:08 – Miners Relative Value to Gold 00:02:27 – GDX Spread Chart Analysis 00:05:44 – Breakout Implications for Miners 00:08:30 – Precious Metals and Bond Crisis 00:11:15 – US Government Bond Market Crisis 00:16:30 – Financial Sector Momentum Breakdown 00:19:03 – Capital Rotation and Liquidity 00:21:38 – Gold History Versus Stocks 00:25:15 – Silver Explosive Upside Potential 00:28:20 – Inflation & Debt Expansion 00:31:00 – Commodities Oil and Asset Shift 00:41:45 – Dollar Index Implications 00:43:35 – Platinum Group Elements Outlook 00:44:52 – MSA Details & Dollar Crisis Guest Links: Website: http://www.olivermsa.com/ X: https://twitter.com/Oliver_MSA Amazon Book: https://tinyurl.com/y2roa7p5 Email: mailto:michaeloliver@olivermsa.com Email MSA above, and they will send you this week’s report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton’s International Commodity Division, headquartered in New York City’s Battery Park. He studied under David Johnston, head of Hutton’s Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank’s Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Patrick Larkin, Partner & Practice Leader, Cerity Partners Three years after launching his independent RIA, Patrick Larkin merged with Cerity Partners—but not because that was the original plan. He explains how ownership changed the way he viewed enterprise value, optionality, and the future of his business. In Summary Going independent is often viewed as the destination. Patrick Larkin discovered it was just the beginning. Louis sits down with Patrick, Partner and Practice Leader at Cerity Partners and former founder of Oak Hill Wealth Advisors, to discuss an unconventional journey: leaving Wells Fargo to build an independent RIA, then choosing to merge that business just three years later. Rather than following a predetermined exit strategy, Patrick shares how ownership fundamentally changed the way he thought about enterprise value. A conversation with a prospective acquirer revealed that buyers weren't interested in purchasing a book of business—they were looking for a business. That realization reshaped how he invested, hired, delegated, and ultimately positioned his firm for the future. The conversation from our Build Grow & Transact series also offers a candid look at life after a merger, from evaluating cultural fit and partnership to balancing autonomy with the resources of a larger organization. More broadly, it illustrates how ownership creates optionality—and why the most valuable decision an advisor makes may not be the one they originally envisioned. The Storyline After spending nearly 15 years building a successful practice at AG Edwards, Wachovia, and Wells Fargo, Patrick Larkin launched Oak Hill Wealth Advisors in 2022 with a simple objective: build a business on his own terms. Like many advisors, he expected independence to be the final destination for a long time. But then there was the realization that ownership changes more than economics; it changes perspective. And it became the beginning of an entirely different way of thinking. As acquisition inquiries arrived sooner than expected, Patrick realized something that fundamentally changed his strategy. Sophisticated buyers weren't evaluating his client relationships as a book of business; they were evaluating Oak Hill as an enterprise. That insight shifted his priorities from maximizing short-term profitability to building a business that could thrive beyond its founder. Just three years after launching, Patrick chose to merge with Cerity Partners—not because he was looking for an exit, but because he believed it strengthened the future for his clients, his team, and his family. Louis and Patrick explore what led to that decision, how ownership increased the value of his business almost immediately, why he compares independence to an IPO, and what advisors should consider if they hope to create options for the future—even if they don't yet know what that future looks like. Topics Covered Building enterprise value versus maximizing annual income Creating optionality through ownership Leaving Wells Fargo to launch an independent RIA Why buyers value businesses more than books of business Evaluating strategic partners and acquisition opportunities The economics of independence and business valuation Life after merging with Cerity Partners Balancing autonomy with enterprise-scale resources Leadership, succession, and building beyond the founder Long-term ownership and partnership models > Download a transcript of this episode… Listen and Learn Highlights for Advisors Why did Patrick decide to leave Wells Fargo? (11:07) Patrick explains why growing frustrations around control, firm priorities, and the ability to build his business eventually outweighed the comfort of staying put. How did going independent immediately change the value of his business? (21:42) Patrick introduces one of the episode's biggest ideas: why launching Oak Hill felt like taking a company public and how ownership increased the firm's value almost overnight. Why did Patrick sell only three years after becoming independent? (20:03) An unexpected conversation with a prospective acquirer completely changed how he viewed enterprise value and accelerated his long-term thinking. What separates a business from a book of business? (21:42) Patrick discusses why recruiting advisors, delegating client relationships, and investing beyond himself made Oak Hill more attractive to strategic buyers. Why Cerity Partners? (26:48) Rather than focusing on valuation, Cerity emphasized culture, partnership, and long-term alignment—qualities Patrick says ultimately mattered most. What is life actually like after a merger? (37:57) Patrick offers an unusually candid perspective on autonomy, leadership, and why he says he hasn't second-guessed the decision once. Key Takeaways Ownership creates opportunities that often aren't visible until after independence. Enterprise value is built by creating a business that can thrive beyond its founder. The first acquisition conversation can be valuable even if no transaction occurs. Cultural alignment may ultimately matter more than valuation when selecting a long-term partner. Independence doesn't eliminate future options—it expands them. Strategic transactions can strengthen outcomes for clients, employees, and owners simultaneously. The goal isn't simply to own a business; it's to create choices for what comes next. https://youtu.be/f7FGLGjBbyo Quotable Moments “The day Oak Hill launched felt like the business had gone public.” “Potential acquirers weren't interested in buying a book. They were interested in buying a business.” “Ownership isn't simply about control. It's about creating optionality.” “The fear of leaving is almost always worse than the actual experience of leaving.” FAQs Why did Patrick Larkin merge with Cerity Partners only three years after launching his RIA? Patrick explains that independence changed how he viewed enterprise value. After learning what sophisticated buyers were actually looking for, he intentionally built Oak Hill as a business rather than simply managing for annual profitability. Why does Patrick compare independence to an IPO? Because ownership immediately transformed the economic value of his practice. Rather than participating in an internal succession model, he owned an independent enterprise that carried substantially greater market value. What changed after Patrick became independent? Beyond gaining control, he began making decisions through the lens of enterprise value—investing in advisors, systems, and infrastructure that would make the business less dependent on him personally. What made Cerity Partners stand out? Patrick cites the firm's culture, partnership model, meritocracy, long-term vision, and ability to combine local autonomy with enterprise-level capabilities. Is this episode only relevant for advisors considering selling? No. The broader lesson is that ownership creates flexibility. Whether an advisor ultimately remains independent or joins another organization, understanding how enterprise value is created can influence decisions from day one. What is the biggest lesson Patrick hopes advisors take away? That independence isn't simply about leaving a firm. It's about creating the ability to choose what comes next on your own terms. Patrick explains that independence changed how he viewed enterprise value. After learning what sophisticated buyers were actually looking for, he intentionally built Oak Hill as a business rather than simply managing for annual profitability. Because ownership immediately transformed the economic value of his practice. Rather than participating in an internal succession model, he owned an independent enterprise that carried substantially greater market value. Beyond gaining control, he began making decisions through the lens of enterprise value—investing in advisors, systems, and infrastructure that would make the business less dependent on him personally. Patrick cites the firm's culture, partnership model, meritocracy, long-term vision, and ability to combine local autonomy with enterprise-level capabilities. No. The broader lesson is that ownership creates flexibility. Whether an advisor ultimately remains independent or joins another organization, understanding how enterprise value is created can influence decisions from day one. That independence isn't simply about leaving a firm. It's about creating the ability to choose what comes next on your own terms. Related Resources From Start-Up to $31B Behemoth RIA: The Catalysts Behind the Growth of Mega-Firm Cerity Partners Ownership Matters: What Advisors Need to Know When Evaluating Firms Top Tips for Setting Your Business Up for Success Years Before a Move Patrick LarkinPartner and Practice Leader Patrick is a Partner and Practice Leader in the Lansdowne, VA office. He is a member of the Lansdowne Practice, where he works closely with families, foundations, and non-profits to help them define and achieve their financial goals with clarity and confidence. With a deep specialization in retirement income distribution planning and complex risk and wealth management strategies, Patrick is known for helping clients simplify complicated financial decisions, reduce uncertainty, and build sustainable, long-term plans. His approach emphasizes fiduciary responsibility, transparency, and personalized guidance — ensuring clients always feel informed and empowered. Prior to joining Cerity Partners, Patrick was the founding member of Oak Hill Wealth Advisors, where he built a highly respected independent advisory practice that earned the trust of families, professionals, and mission-driven organizations across the region. His leadership was instrumental in shaping a client-first culture that continues today. Patrick's work is rooted in a passion for long-term relationships — guiding clients not just through markets, but through life's milestones such as retirement, business transitions, philanthropic planning, and wealth transfer across generations. He takes pride in being both a strategic advisor and a steady partner to the people he serves. Patrick lives in Bluemont, VA, with his wife Angela, their two children, Paige and Sean, and their Golden Retrievers, Huckleberry and Genoa. Outside of the office, Patrick and his family enjoy an active lifestyle — whether it's hiking and backpacking on the Appalachian Trail, biking the Great Allegheny Passage, or sailing on the Chesapeake Bay. These experiences reflect his belief in balance, resilience, and enjoying the journey — values he also brings to his work with clients. 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… Build, Grow & Transact: From Breakaway to Transaction in 3 Years A conversation with Louis Diamond and Patrick Larkin, Partner & Practice Leader at Cerity Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: From Breakaway to Transaction in 3 Years. It’s a conversation with Patrick Larkin, Partner and Practice Leader at Cerity Partners. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: 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. Louis Diamond: Ownership as a way of creating opportunities you can’t always predict. That’s exactly why we created our Build, Grow, and Transact series. Independence isn’t the end of the story. It’s often the beginning of thinking differently about enterprise value, optionality, and what comes next. Today’s guest is Patrick Larkin, Partner and Practice Leader at Cerity Partners, and formerly the founder of Oak Hill Wealth Advisors. Patrick spent nearly 15 years building a successful practice at A.G. Edwards, Wachovia, and eventually Wells Fargo before launching his own independent firm in 2022. Just three years later, he merged that firm into Cerity. At first glance, that timeline might seem surprisingly short, but as you’ll hear, the merger wasn’t a change in direction. It was the result of seeing his business differently once he owned it. Yet, it’s this perspective that really brings that thought home. Patrick said the day Oak Hill launched felt like the business had gone public because overnight, what had been viewed as a book of business became an enterprise with substantially greater value, some four to five times the value of what it was worth at Wells. And that realization changed the way he invested, the way he hired, and ultimately the way he thought about the future. Pat and I also talk about something advisors don’t often discuss candidly, what life actually looks like after a merger. How much control do you give up? What changes day to day? How do you know whether you’re joining a partner or simply selling a business? Whether your long-term plan is to remain independent forever or eventually join a larger organization, Patrick’s experience is a reminder that ownership isn’t simply about control. It’s about creating optionality and putting yourself in a position where the next decision is yours to make. So let’s get to it. Patrick, thanks for coming on our show today. Patrick Larkin: Oh, my pleasure. Nice to meet you, Louis. Louis Diamond: You too. So let’s start off basically how we start every interview. Tell us about yourself, your background, and how you found your way into our industry in the first place. Patrick Larkin: Yeah, thank you for asking. I knew I always wanted to be a financial advisor. That part really wasn’t in question, but upon graduating college and being a 22-year-old, I knew that it was probably not practical to walk in and start advising people my parents’ age with their life savings. Probably wasn’t going to be a recipe for success. So I took a quick tour through the pharmaceutical industry first, which ended up being unexpectedly valuable. My employers there pushed me to think like an entrepreneur and within our territories. And honestly, that mindset never left me. It shaped how I built everything that came after. Eventually, an opportunity presented itself in Loudoun County, Virginia in Northern Virginia, and I became an FA trainee with A.G. Edwards, absolutely fantastic firm to start my career. Now, what drew me to this career was pretty simple. I felt like it was one of the professions that we had an opportunity to do so much good for others while simultaneously also doing well for yourself, and those two things aren’t in conflict. I also really loved the idea that in this profession there was no hiding. You don’t get paid to show up. You get paid for what you actually do. And perhaps for me, what was most important, I loved the weight of responsibility. I loved earning people’s trust. I loved the idea of deserving, being deserving of their trust, and being a steward of what they’ve worked a lifetime to build. I never took that lightly, and I still don’t. Louis Diamond: That’s amazing. Yeah, I mean, the number of people I’ve heard, you talked so fondly about A.G. Edwards and there’s a bunch of other firms that have since been absorbed or emerged that are like the regional firms of old. So not surprised to hear you loved it. A.G. Edwards, obviously, became Wells Fargo Advisors or was acquired or merged with Wells Fargo. So I know you’re at Wells and A.G. Edwards until 2022. So give us a quick version. How’d you build your practice from the pharma world into being in FA? Patrick Larkin: Yeah, so as I started with A.G. Edwards, I came in at really just the perfect time. It was towards the end of the financial crisis. And I built the business the old-fashioned way with a lot of cold calling and eventually did some dinner seminars, which I can tell you is a very expensive way to learn how to speak in front of a room. But I made some progress, and I was also in a great office, small enough that some of the advisors there would hand off some of the smaller accounts that they weren’t interested in working with, and got an opportunity to get a lot of reps in working with real life clients and individuals. I knew early on I didn’t have enough talent to win on talent alone, so I made up for it and compensated for that with really hard work. The real turning point came for me when A.G. Edwards was first acquired by Wachovia Securities, and that was about five years into my career. And at that point, my branch manager, who was eyeing retirement, asked me to step in as her partner, and that changed everything. We eventually moved over to a Wachovia Securities office, another really great local office in Loudoun County, Virginia. And from that office, I worked on and became a CIMA, a CFP, worked with the clients, built a business through referrals. And I found at that point in my career when I would go to a meeting with Wachovia, eventually Wells Fargo, as a young 30-year-old, I would look around the room often and realize that I was the youngest person in the room. The funny thing was 10 years later, I would go into that same room and I’d look around and I still was the youngest guy in that room. And those demographics in our industry, and when I came into our industry, ultimately led that office that I worked in with Wells Fargo Advisors, I eventually was the recipient and party to five different succession plans- Louis Diamond: Wow. Patrick Larkin: … at Wells Fargo Advisors. I hoped that I had built a reputation as somebody that these other advisors would entrust with their clients. And over that time period, really, I would say professionally, one of my accomplishments I’m most proud of is all five of those retired advisors that I used to work with, who had an opportunity to see me work with clients, all became clients of mine, I still continue to work with. And it’s professionally just one of the greatest honors that I’ve ever had. Louis Diamond: I mean, that’s a large number of advisors you helped sunset, but I would agree it’s the ultimate proof of concept that they not only trusted you with their clients and their life’s work, but now also with their family’s wealth. So I like that, kind of the full life cycle there. So I’m curious, though, you stayed at Wells through a really turbulent time through the fake bank scandal. There’s a lot of attrition. I mean, obviously, they’re still a powerhouse to this day, but what kept you at Wells for as long as it did before you left in 2022? Patrick Larkin: You described it as a turbulent time. Pretty turbulent might be an understatement. Even before Wells, the transition to Wells, Wachovia Bank had been the first company that we transitioned to from A.G. Edwards. And we, of course, went through the financial crisis during that time period and handholding our clients and helping them get through that time period and dealing with concerns that we shouldn’t really have to be prepared with. “Is my money safe? It’s not what’s happening to the market, but is my money safe in your institution?” But once things stabilized, I found real purpose in partnering with some of the retiring advisors and opportunities that came up. It was a really wonderful climate and atmosphere in our local office. It was really a family-like atmosphere, and I still had a lot to learn. And all those advisors that I partnered with, I’ve joked I’ve never had an original idea in my entire life. I stole all my good ideas from them. And some of them were really ahead of their time, and I learned, adopted, and built my own philosophies by working closely with them. Ultimately, by the time I left Wells Fargo, I was finishing up the fifth sunset program and had only made my way halfway through the sunset before the opportunity presented itself to create my own practice. Louis Diamond: So I’m curious, when did you first seriously start thinking about leaving and what really tipped the scales for you? What was the proverbial straw that broke the camel’s back? Patrick Larkin: Yeah, it really was a number of small items and ultimately one big one. But for a long time, I’d been content, but as I tried to grow the business beyond what I could do individually, I felt like I kept running into walls. There were it felt like limitations on how I could build out my team and structure the practice the way I envisioned it. Additionally, there were some new policies that also started to bother me. One of them was the platform advisory fee, which in my eyes was less about client transparency and more about replacing a declining revenue source on the firm’s balance sheet. And after dealing with clients and helping them through the bank scandal at the firm, I was concerned that this would come back and hurt me and the relationships that I had with my clients. Incidentally, I just recently onboarded a new client that transferred to us. And for them, looking at their statement, identifying this platform advisory fee- Louis Diamond: Oh boy. Patrick Larkin: … was the last straw for them before they moved about 15 million of assets to us. Also, I thought I would be I would be a better allocator of resources than Wells Fargo. Wells Fargo retained about half of the revenue that I earned for the business. They seemed to think that the best allocation of that money was additional middle management. Whereas, I thought investment in technology, investment in additional personnel, and an investment in marketing were best places to continue to build out my vision. The final straw, and really a thing that crystallized everything for me was when I read a book in 2021 called The Infinite Game, a book written by Simon Sinek. Chapter eight, the title is Ethical Fading. And it uses the Wells Fargo bank scandal as a case study in what happens when a firm loses its moral compass. I read the chapter and thought, “There it is, I have to do something.” That was really the final push I needed. I mentioned earlier I was very fortunate to start my career with a company called A.G. Edwards, a regional brokerage firm. And while I was at A.G. Edwards, there was a research report that came out on A.G. Edwards as a company. And I’m going to paraphrase a little bit on what was said in that report, but ultimately there was a line in there, and it was a criticism, but I took it as a huge positive as being an employee there. The line said, “While management does not necessarily say it, we believe the client is put ahead of the shareholder.” And that was something I was very proud of. And I just, upon reflecting on it, felt confident those were words that I never was going to see go to print about Wells Fargo. Louis Diamond: So you left Wells in 2022 and founded Oak Hill Wealth Partners in Lansdowne, Virginia. Walk us through that decision. Why go independent rather than going to another firm? Patrick Larkin: I really thought moving to another firm, the things that I had grown frustrated with at Wells Fargo Advisors, I would also find at another wirehouse firm. I was ready, and honestly, the simple answer is I thought I could do better. And I wanted control after having what I felt like was very little control. I had grown frustrated with others making important decisions, and I wanted an opportunity to grab the reins and make decisions on my own. I believe at that time, the future of wealth management was going to be built around fiduciary advice, and I didn’t want to watch that from the sidelines anymore. I was watching what was happening in the industry. And as we were trying to hire new advisors, reaching out to college graduates who were studying CFP programs, identified that they were more inclined to want to start employment with an RIA than a wirehouse. What made the timing work really well was Wells Fargo had actually introduced a program to help advisors in the private client group spin off and establish their own RIAs. Now, whenever I tell this to another advisor, particularly ones that are wirehouses, they can’t understand it. And quite frankly, I don’t understand why they helped us do it, but we were about the 30th practice that they helped us through this process and they provided real support. They hired consultants, made vendor recommendations, even referrals to financing so I could pay off my last succession plan before I left. The only really upside for Wells Fargo was that the ask was that we continue to use First Clearing as the custodian. And one of the downsides for me was I was going to leave all of my deferred comp behind with Wells Fargo. Now, all clients had to do to join me was sign a positive consent. And on May 9th, 2020, we turned on our computers in our new office and our clients were already there. That same day, we launched and started a relationship with Charles Schwab. And it was so exciting to be able to start shopping for what I thought was the best FinTech, really feeling like I was stuck with proprietary tools that Wells Fargo advisors had offered. I felt like I was a kid in a candy store. And if there was a cool tool that I identified that would help us serve our clients better, I was all in and I was buying it. I really feel that some of the technology that Oak Hill eventually bought into and some of the tools we’re using now are going to take years and years before they eventually trickle down to where the wirehouses are, if ever. Louis Diamond: Interesting. So it was really it was for the most part an internal move from one- Patrick Larkin: It was- Louis Diamond: … channel to the other. Patrick Larkin: … it was an internal move, but there was no requirement to stay at First Clearing. As a fiduciary, they couldn’t make those demands. And again, they helped us with the financing, which is really unusual that they helped us secure a loan so I could pay off the last retiring advisor. It’s really unusual that a bank will loan money where there is no business at the time, but because of previous experience that financial institution had working with Wells, they helped us facilitate the transaction. And the program is still in place at Wells Fargo, which is absolutely amazing to me after the experience that I’ve just had myself. Louis Diamond: Yeah, it’s interesting. I mean, does it cannibalize a more profitable revenue source? Sure. But if the alternative was all the assets go to Schwab or Fidelity, to me, honestly, it’s smart. I think they played the long game by not being adversarial on it. Patrick Larkin: I think they played a long game and they took the philosophy, and I think they use it as a recruiting tool that if you love them, set them free. And that’s exactly what they did. Louis Diamond: So for the rest of the episode, I want to talk about your eventual, and not that long period of time, transaction or decision to merge Oak Hill with Cerity Partners. This is our Build, Grow, Transact subseries. And I was really struck by your story because you were three years or so into running Oak Hill, and then your merger with Cerity Partners, an amazing RIA closed. That’s a fairly short runway. Usually when I see folks go independent for the first time, it’s 10, 15, 20 years, maybe never, that they decide to merge or sell. I’m curious to understand your thinking about the transaction. Were you looking to do something? Or was it just like right place, right time and the opportunity presented itself? Patrick Larkin: I had started Oak Hill with the intent of eventually down the road, much closer to retirement, looking for a partner. The opportunity and what I learned early on helped change that idea and philosophy, and I adapted and made modifications to take advantage of it. Louis Diamond: Interesting. So you weren’t necessarily planning on selling or merging the business, it just kind of circumstances happened the way they did? Patrick Larkin: Yeah. When we started Oak Hill Wealth Advisors, it was a really pretty short period of time before we started getting calls from larger national RIAs about potential acquisition, much sooner than I expected. Early on, I just brushed them off, but about a year in, I took one of those calls and it really just opened my eyes up. I realized for the first time this small firm, this little practice actually had some real value, way more than I’d given it credit for. That first call, that first exploration didn’t go anywhere. It wasn’t a good fit. But what it gave me was a much clearer picture of what the serious acquirers were actually looking for. And that changed decisions I made at Oak Hill going forward. I really at that point stopped trying to optimize for near-term profit and really thought of my business as a business and started building towards enterprise value, sometimes at the cost of short-term income. And that turned out to be exactly the right call. Louis Diamond: That’s such an interesting perspective. Let’s double-click into that concept. So it sounds almost counterintuitive that if you kind of had this light bulb moment that like, “Okay, maybe I want to transact my business sooner than I initially thought.” I think most people would say, “Let’s become lean and mean. Let’s become as profitable as possible so my EBITDA’s higher.” But you took the different approach. What were the decisions you did to invest more in enterprise value rather than current cash flow? Patrick Larkin: A true business is one that doesn’t need me to be here every day to operate. And when we left Wells Fargo Advisors, it was myself and one other advisor that created Oak Hill Wealth Advisors. I was responsible for about 95% of the assets and revenue. And one of the more significant investments we made is in additional advisors. I recruited three new advisors, all CFPs, to join Oak Hill Wealth Advisors. Whereas, before I had been largely managing all the relationships myself. For someone that kind of grew up in the regional wirehouse space, it’s pretty counterintuitive to start moving relationships away from you onto other advisors. You’re trained and built to create a moat around your relationships, and realized that the potential acquirers are not interested, at least the ones I was interested in, weren’t interested in buying a book. They were interested in buying a business. And that just meant every decision we made going forward was not profit-driven, but how can I increase the value of the business? So after that first call, I knew I probably would be looking to move forward with a transaction sooner as opposed to the end of retirement. That information that I got on that first call helped me realize that when Oak Hill Wealth Advisors opened its doors on May 9th, 2022, we effectively had an IPO. I had great familiarity with how the succession plans at Wells Fargo Advisors worked. And on that day that we opened our practice, the value of my business jumped to be four to five times the value of it in a succession plan at Wells Fargo Advisors. Now, I knew going forward that I was going to be able to increase revenue. I was going to be able to increase EBITDA. I was going to potentially have some benefits from a market tailwind. I knew the multiples of EBITDA that the firms use may fluctuate, but the biggest change by far occurred leaving the wirehouse and having the value of my business grow four to fivefold in that same day. So what I really focused on was making sure that I was going to, when I was ready to start looking again after I had worked on improving the practice, really was going to look for a firm that was going to be a good cultural fit for both my clients, my team, and myself. Louis Diamond: That’s such a cool perspective. I’ve never heard anyone say that the day we launched your independent business was like an IPO. But honestly, it’s so true. You’re planting a flag in the ground that like, “Here is real value. This is value that we’ve created that we own rather than it being a book of business and a W-2 paycheck.” And it’s a fascinating perspective. Patrick Larkin: Yep. It really is amazing that the value changed that much on one day and the future value changes. Looking at the equity that I owned in Oak Hill Wealth Advisors, it made sense to consider is there a better way to take some risk off the table for myself and my family and diversify some of the equity that I had in Oak Hill Wealth Advisors with a larger enterprise? Louis Diamond: It makes complete sense. Obviously, everyone would sign up for 4 to 5X increase in value. Patrick Larkin: Sure. Louis Diamond: That’s not the reason most people go independent, but it’s important to know. And also, what I really liked about what you shared is I think a really valuable learning for anyone is those calls come in, whether it’s from annoying people like me or from an acquirer, from a firm, they’re not all noise. You took it as an opportunity to learn. Even though that first person who called wasn’t the right fit, it crystallized something in your mind and it let you make proactive decisions that ultimately paid off in spades when it came time to sign the dotted line for your transaction with Cerity. So I think it’s brilliant. And it’s very big picture, big-business-owner-type stuff that I think a lot of people will just filter out because it’s annoying and I’m young, I’m not looking to sell, but that was the journey. Patrick Larkin: Yeah, that first call changed my opinion about timing of when to move forward with a partnership. Originally, I thought this would be something at the end of retirement. The timing of doing so sooner seemed a lot more appealing after having that conversation and realizing what we had actually built. Louis Diamond: Amazing. So ultimately you decided to merge with Cerity Partners. We’ve had Kurt Miscinski from Cerity Partners on the show. They’re a real heavyweight within the RIA world. Most recently, they were valued at $8 billion in a recap, and it’s a very impressive firm. What specifically drew you to Cerity versus other potential buyers? Like you said, you got a lot of calls. Patrick Larkin: After that first call, I just got to work and focused on continuing to take care of our clients, building a team, adding new advisors, being a mentor to those advisors. But at the same time, we were being approached fairly regularly by that point. And I had a pretty good system for quickly deciding whether something was worth a second look, and most weren’t. But about a year ago, one of the national RIAs caught my attention and I started having conversations with them. And once I had progressed with them, I though, “You know what? If I’m giving this consideration, I really need to cast a wider net.” So I reached out to other RIAs that I had looked at and admired and been keeping an eye on. And ultimately, my longtime business coach, Barbara Kay, suggested I talk with Cerity Partners, a company that one of her other clients had just recently joined. And from the very first call, I could tell something was different. And I talked to many different companies. Cerity Partners, and an individual I spoke with, Geoff Newman, they weren’t leading with valuation formulas or deal structure. They were asking questions about my clients, my team, and how I actually ran the practice. They had a very defined process for identifying partners who were genuinely compatible, not just advisors with books that were transferable. And that distinction mattered greatly to me. They also offered really, in my opinion, the right balance of support and still having some autonomy. And their aspiration to deliver consistent standard of care to clients, whether they be in California or Virginia, so that those individuals get the same quality of experience, resonated with how I was already running things within my practice. That combination of support and autonomy, I really liked the idea of continuing to have oversight over my local practice, over our practice, which included the budget, salaries, and bonuses. It more than anybody else felt like a partnership and not a buyout. And I really appreciate it during that first call, Cerity was the only company that talked about a hundred-year plan. It was amazing to me to hear what their thoughts were. Most of the other firms I spoke with talked about valuations. And very quickly in the process, I found myself on a Zoom call with a Patagonia fleece vest-wearing private equity rep walking me through a valuation. And it was efficient, but it was not a cultural fit for me. And the infrastructure behind us and the combination of autonomy is really harder to find than most people think. As I progressed with Cerity, I remember early on in the process thinking to myself, “My God, I hope they want me, I hope they want me,” because I could tell I’m a very process-driven person They had a process with the way they brought me on board. And ultimately, we had a due diligence trip set up to go to one of their larger offices where I met with one of their leaders, Claire O’Keefe, part of their practice development, and had an opportunity to meet with different leaders within the firm and really get my arms wrapped around the potential that they had. Just the quality of the people I encountered through the whole process just kept reinforcing the decision. And by the time we got to the finish line, it didn’t feel like a transaction. It felt like I was joining something that I was excited to be part of. So just a little bit more about what attracted me to Cerity, their culture is just phenomenal. Cerity Partners uses the word “meritocracy” and they actually mean it. Ownership and influence here track your contribution, not your tenure or how well you play the politics. I just attended my first partner meeting in April, and without exaggeration, it was the most extraordinary professional meeting I’ve attended in my 25-year career. During the meeting, there was open debate about the direction of the firm, and every voice in the room carried weight. You could feel the culture. And that type of culture is built over years. You can’t fake it. Everyone in the room it felt like was rowing in the same direction. And by the time the meeting was over, I was so excited to get back to my team and tell them about what I had just witnessed, I wasn’t looking for the exit. I was looking for the brick wall to run through. I was so excited. And every once in a while I wonder having spent so much time in the wirehouse spaces, the bar just set really low for me when I talked to some of my other colleagues that have been independent for a long time. But it was just an absolutely amazing experience. And I do want to just add, one of the last really important things to me about Cerity Partners is I’ve been very fortunate with my career and in this profession. And part of my goal over the rest of my career is to have a legacy. And my legacy currently exists with the families I’ve advised and the team that I’ve built and have served and led. But Cerity Partners is helping me achieve even a greater legacy in our industry with our shared long-term goals. During my first meeting, they talked about their hundred-year vision of being a worldwide employee-owned professional services firm. And currently, and this is very exciting, the employees are the largest shareholder of the firm. No one else I talked to talked about their long-term goals like this, and it’s a vision I believe in. I want to contribute to help to see it accomplished. And one day when I do retire, I want to look back and see how I contribute it to a company that I believe is going to change the direction of professional wealth management. Louis Diamond: Wow. Patrick Larkin: My partnership with Cerity Partners is going to make that a reality. It’s just an amazing place. Yeah, very happy. Louis Diamond: Honestly, you can’t fake that type of enthusiasm. It sounds like- Patrick Larkin: It’s not- Louis Diamond: … you entered into a transaction, which is it’s like jumping into the deep end. How do you sort through what’s the sales process versus what’s real? How much of this is actually going to translate to my life? But hearing you not that long after the transaction, you still feel that and it’s very cool. In the press release I read, you cited estate planning, private markets access, and cross-border planning as key reasons for the merger. Can you talk about what it was about those? Maybe- Patrick Larkin: Yeah. Louis Diamond: … anything else that was missed? Patrick Larkin: Yeah. Louis Diamond: And were those not things that you felt like you could have delivered yourself as a standalone? Patrick Larkin: I thought that they were going to help me be able to be more effective in delivering those, but they weren’t the complete picture. The capabilities that we cited in the release were genuine gaps I wanted to fill and have available for clients and be able to prospect and go after new additional clients. But being fully honest, there were also deeper drivers. One was my team. Sometimes we get emotional about this. Being someone who’s trusted is really important to me, and that’s something I hold in high priority. There are people that followed me out of Wells Fargo to join me. One of my client associates had delayed her retirement so that she could join me and help us launch for the first three months. One of my other client associates has been with me close to 15 years. These are people that trusted me to do the right thing and to make sure that I wasn’t walking them off the plank. Being able to join Cerity Partners and give them a future that didn’t hinge entirely on my personal longevity was a huge relief. And Cerity Partners is an ownership culture. I’m so happy to say today that every single individual on my team in our practice in Lansdowne is now either an equity owner in Cerity Partners or very shortly will be an equity- Louis Diamond: So cool. Patrick Larkin: … equity owner. So they have a stake as well in what they’re building. It matters. My youngest client associate noticed how much it costs to send to FedEx. And he goes, “Now that I’m an owner, maybe we should rethink about sending regular mail.” Another driver was my family. And I’ve always had the philosophy of trying to prioritize and clients first, team and colleagues, and then my family. And I’ve always made decisions that if I put those others before myself, eventually I’ll be taken care of. And going through this transaction, it was so generous to my family and provided such security. There was a little bit of guilt that, “Am I doing this for all the right reasons?” But being able to secure my family’s future, converting equity in a three-year-old RIA into a stake of a $8 billion-plus valuation with institutional backing, that was a meaningful moment and I’d be less than honest if I glossed over that. I also really wanted to be part of something larger than myself. And the opportunity to help build a legacy in this business with Cerity Partners really gives me the platform to do that. Louis Diamond: Very cool. I can tell that you’re genuine, not just because of the way you sound, the way you’re speaking, but in the very beginning of the episode, you talked about the reason you got into this business was because you thought it gave you the dual purpose of being able to help people, but also being able to enrich yourself or your family. So this answer, it comes full circle. You’re able to accomplish all these goals, which made it the right decision. And I think, look, I say to advisors all the time, “You’re allowed to be greedy, you’re allowed to be selfish as long as the clients are still in the front of your mind as the most important thing.” There’s nothing wrong with doing better for clients, building a legacy in your case, but also reaping the rewards of all your hard work and labor and also all the risks that you’ve taken over your career. I got to ask you, though, from being an employee of Wells, where you were running your team, for the most part, you can run the business within their guardrails the way you want, to then running an RIA, which is really like you’re fully in control of everything, to now being a partner, but you’re not the one who has the name on the door anymore. Patrick Larkin: Right, right. Louis Diamond: Well, how do you think about the giving up control and full ownership of your practice versus owning a very small amount of a much larger entity? Patrick Larkin: There was such continuity. Oak Hill Wealth Advisors and Cerity Partners were so philosophically aligned that I genuinely never felt like I was giving up anything that I wasn’t glad to let go. My wife joined the business shortly before I left Wells Fargo Advisors. And still to this day, on my drive home from work, I call her up and say, “You’re not going to believe this.” And it’s all a positive, good thing. So Cerity has struck the perfect balance of that autonomy and support combination that I was looking for. So I still have control and a say over the way our practice is managed. Very shortly after the merger, my supervisor came down and met me for the first time, and we went out together after the day had ended. And early in the conversation I said to him, “What can I do to make your life easier?” And he said, “Pat, what can I do to make your life easier?” And that set the tone that still exists to this day. I almost cried when he said that because that was so different than what I had experienced up to that point. So the collaboration, the way we work together, it’s just absolutely amazing. And not once for a single moment have I second-guessed my decision. And it’s really weird because I’ve now been part of this organization for nearly nine months, and there just has not been one thing that’s occurred where I said, “That’s a disappointment.” It’s just been absolutely amazing every single day. Louis Diamond: Very cool. To me, there’s different arcs of when you want to ask people the question of, “Hey, any regrets?” And usually you don’t want to ask them too soon because they’re still going through the transition and integration and growing pains. And you don’t want to ask them too far in the future because you forget about what was life before. To be this short of a duration into this new partnership and to have these feelings, that’s absolutely pretty special. I got two more questions for you, Pat, if you don’t mind. Patrick Larkin: Sure. Louis Diamond: First one, economically, to me, one of the hardest things for really any advisor to really grapple with or to fully comprehend or make their own is, “I own 100% of the equity in my business. I get to decide when I want to sell in the future. My business is growing 10% per year. I wait to sell until 10 years from now, my business is going to be much bigger and I get to keep all the cash flow. I get to make all the decisions.” That compared to the path that you took, which was take cash off the table, which everyone understands, to, “Now, I own a much smaller piece of a much larger pie.” How would you talk to someone about the financial trade-off between a hundred percent ownership in their business, full control, full discretion over everything, versus becoming a minority equity partner in a larger entity? Patrick Larkin: You have to look at the valuation of my business, again, the day that we opened our doors as Oak Hill Wealth Advisors. There was such a massive jump in the value of the business. There was not going to be an opportunity for an appreciation at that level. So then, you have to compare what the growth rate is of Oak Hill Wealth Advisors versus a Cerity Partners. And I’m not embarrassed to say that Cerity Partners is and has been growing at a much faster rate of return. The value of the equity that I have retained in Cerity Partners, my ownership stake, I fully expect by the time I transact that business as I get closer to retirement, that’s going to be worth many times more than whatever opportunity I would have had at Wells Fargo with the valuation they would have provided me. Nevermind, very important, the tax consequences of a structure like this is all the retiring advisors that I worked with were taxed at their highest marginal rate. I owned a business and we were taxed at long-term capital gains rates. A significant difference in savings in what as the owner we actually realize. So yeah, I feel very comfortable with the ownership that I have and the control and continued opportunity with the meritocracy culture to increase my share of ownership in the company. Louis Diamond: Okay, and let’s do one more question here. I’ll pick it back up. So Pat, I think it’s a really cool perspective. It’s almost do your homework, and if you find the right horse and the right jockey that can run faster than you can on your own, that the equity value will compound and grow and appreciate in a faster, more efficient way than what you’re doing on your own, which makes complete sense. It’s the ultimate trade-off. And again, it’s like jumping into the deep end. On the one hand, Oak Hill was all you, right? You control the growth, for better or worse, for the good days, the bad days, the good years, the bad years, versus now your growth is diversified amongst hundreds of partners across M&A, across different lead flow channels, et cetera. It makes complete sense. But honestly, if I were an advisor, I don’t know how I would think about it. I think it’s all just fact-and-circumstance-based on where I am in my life and who the firm is and what I’m trying to accomplish. But it’s such a cool perspective because usually the playbook that we see, which is why we did this series, is go independent and there’s a long pause until there is a realization of all the value that’s been created. So seeing you do this in a much quicker timeframe, it seems like it was the absolutely right decision. To me, it just is another path, another way that an advisor or a firm is able to think about their future. Any final advice or parting words for someone who is sitting right where you were in 2021 or 2022 thinking about making the leap? And we’ll say a transition in general, or really anything you want to share to wrap our episode here. Patrick Larkin: Thank you for having me, and this is a great question. Happy to give a thoughtful answer to it. Before I’d left Wells Fargo Advisors through the program and started Oak Hill Wealth Advisors, I had an opportunity to go through a due diligence process and make sure that this was going to be a right move for me. There was no carrot out there that was obvious. I learned after that first conversation that I had built a practice that had some value to it. I was leaving behind the security of something I knew, leaving behind a significant amount in deferred compensation, and I wanted to make sure I was making the right decision. And through that due diligence process, talked to about five other firms that had recently left Wells Fargo to join this RIA program. I asked them a lot of different questions about what their experience was. And at every point during those conversations, they all said the same thing at different points. And it sounded like this. They said, “I’m working harder than I ever have before, but I wish I had done this sooner.” So my advice to those people, do it. I know that sounds simple, but I mean it. The fear of leaving is almost always worse than the actual experience of leaving. And I understand the inertia of not leaving and the real apprehension of what was on the other side. But what I found was a version of this profession I genuinely didn’t know was possible. One where I could do things the right way on my terms for the people I care most about serving. And not every path is going to look like mine. Some advisors should go fully independent and stay there, and that can be an incredible life. But when it comes time to look for a partner, quite frankly, if Cerity Partners is not on your shortlist, you’re making a significant mistake. And I say that not to sell anything, but because I’ve lived the comparison firsthand and there’s simply nothing else like it. Louis Diamond: So Pat, it’s been really fun, but I don’t think we’ve had anyone on the eight years or so we’ve been doing this show that’s gone through this type of arc or journey that you have. One of my big takeaways or sticking points that this episode brought for me is by going independent and taking control over your future, you created complete optionality for yourself to do exactly what you wanted to do with your business, even if that was different than what you initially planned. So in your case, it was selling within three years of going independent, but by taking action, being proactive, playing some offense, you made the opportunity happen on your terms and your timeline. So this has been fun in so many different ways. I loved your comment about how when you went independent, it’s basically like the day of your IPO, the four-to-five-times increase in value versus an internal succession deal, and even just the way to think about getting equity in a larger entity versus running your own plays only. So thank you so much for doing this. This has been fun. Mindy Diamond: 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 firm’s 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.   Build, Grow & Transact: From Breakaway to Transaction in 3 Years A conversation with Louis Diamond and Patrick Larkin, Partner & Practice Leader at Cerity Partners.      Louis Diamond: Welcome to the latest episode of our podcast series for financial advisors. Today’s episode is Build, Grow & Transact: From Breakaway to Transaction in 3 Years. It’s a conversation with Patrick Larkin, Partner and Practice Leader at Cerity Partners. I’m Louis Diamond, and this is The Diamond Podcast for Financial Advisors. Mindy Diamond: 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. Louis Diamond: Ownership as a way of creating opportunities you can’t always predict. That’s exactly why we created our Build, Grow, and Transact series. Independence isn’t the end of the story. It’s often the beginning of thinking differently about enterprise value, optionality, and what comes next. Today’s guest is Patrick Larkin, Partner and Practice Leader at Cerity Partners, and formerly the founder of Oak Hill Wealth Advisors. Patrick spent nearly 15 years building a successful practice at A.G. Edwards, Wachovia, and eventually Wells Fargo before launching his own independent firm in 2022. Just three years later, he merged that firm into Cerity. At first glance, that timeline might seem surprisingly short, but as you’ll hear, the merger wasn’t a change in direction. It was the result of seeing his business differently once he owned it. Yet, it’s this perspective that really brings that thought home. Patrick said the day Oak Hill launched felt like the business had gone public because overnight, what had been viewed as a book of business became an enterprise with substantially greater value, some four to five times the value of what it was worth at Wells. And that realization changed the way he invested, the way he hired, and ultimately the way he thought about the future. Pat and I also talk about something advisors don’t often discuss candidly, what life actually looks like after a merger. How much control do you give up? What changes day to day? How do you know whether you’re joining a partner or simply selling a business? Whether your long-term plan is to remain independent forever or eventually join a larger organization, Patrick’s experience is a reminder that ownership isn’t simply about control. It’s about creating optionality and putting yourself in a position where the next decision is yours to make. So let’s get to it. Patrick, thanks for coming on our show today. Patrick Larkin: Oh, my pleasure. Nice to meet you, Louis. Louis Diamond: You too. So let’s start off basically how we start every interview. Tell us about yourself, your background, and how you found your way into our industry in the first place. Patrick Larkin: Yeah, thank you for asking. I knew I always wanted to be a financial advisor. That part really wasn’t in question, but upon graduating college and being a 22-year-old, I knew that it was probably not practical to walk in and start advising people my parents’ age with their life savings. Probably wasn’t going to be a recipe for success. So I took a quick tour through the pharmaceutical industry first, which ended up being unexpectedly valuable. My employers there pushed me to think like an entrepreneur and within our territories. And honestly, that mindset never left me. It shaped how I built everything that came after. Eventually, an opportunity presented itself in Loudoun County, Virginia in Northern Virginia, and I became an FA trainee with A.G. Edwards, absolutely fantastic firm to start my career. Now, what drew me to this career was pretty simple. I felt like it was one of the professions that we had an opportunity to do so much good for others while simultaneously also doing well for yourself, and those two things aren’t in conflict. I also really loved the idea that in this profession there was no hiding. You don’t get paid to show up. You get paid for what you actually do. And perhaps for me, what was most important, I loved the weight of responsibility. I loved earning people’s trust. I loved the idea of deserving, being deserving of their trust, and being a steward of what they’ve worked a lifetime to build. I never took that lightly, and I still don’t. Louis Diamond: That’s amazing. Yeah, I mean, the number of people I’ve heard, you talked so fondly about A.G. Edwards and there’s a bunch of other firms that have since been absorbed or emerged that are like the regional firms of old. So not surprised to hear you loved it. A.G. Edwards, obviously, became Wells Fargo Advisors or was acquired or merged with Wells Fargo. So I know you’re at Wells and A.G. Edwards until 2022. So give us a quick version. How’d you build your practice from the pharma world into being in FA? Patrick Larkin: Yeah, so as I started with A.G. Edwards, I came in at really just the perfect time. It was towards the end of the financial crisis. And I built the business the old-fashioned way with a lot of cold calling and eventually did some dinner seminars, which I can tell you is a very expensive way to learn how to speak in front of a room. But I made some progress, and I was also in a great office, small enough that some of the advisors there would hand off some of the smaller accounts that they weren’t interested in working with, and got an opportunity to get a lot of reps in working with real life clients and individuals. I knew early on I didn’t have enough talent to win on talent alone, so I made up for it and compensated for that with really hard work. The real turning point came for me when A.G. Edwards was first acquired by Wachovia Securities, and that was about five years into my career. And at that point, my branch manager, who was eyeing retirement, asked me to step in as her partner, and that changed everything. We eventually moved over to a Wachovia Securities office, another really great local office in Loudoun County, Virginia. And from that office, I worked on and became a CIMA, a CFP, worked with the clients, built a business through referrals. And I found at that point in my career when I would go to a meeting with Wachovia, eventually Wells Fargo, as a young 30-year-old, I would look around the room often and realize that I was the youngest person in the room. The funny thing was 10 years later, I would go into that same room and I’d look around and I still was the youngest guy in that room. And those demographics in our industry, and when I came into our industry, ultimately led that office that I worked in with Wells Fargo Advisors, I eventually was the recipient and party to five different succession plans- Louis Diamond: Wow. Patrick Larkin: … at Wells Fargo Advisors. I hoped that I had built a reputation as somebody that these other advisors would entrust with their clients. And over that time period, really, I would say professionally, one of my accomplishments I’m most proud of is all five of those retired advisors that I used to work with, who had an opportunity to see me work with clients, all became clients of mine, I still continue to work with. And it’s professionally just one of the greatest honors that I’ve ever had. Louis Diamond: I mean, that’s a large number of advisors you helped sunset, but I would agree it’s the ultimate p

The Experience Strategy Podcast | theexperiencestrategist.substack.com A nurse whose only job was to hold a patient's hand during a procedure. A debrief with the doctor scheduled before the procedure was even booked. A title accidentally revealed mid-conversation. This episode covers a lot of ground — starting with where healthcare experience strategy stands right now, and ending somewhere that a certain author probably wasn't expecting. What's in This Episode Healthcare is recovering — and the investment is back. After a brutal five-year stretch that left providers burned out and hospital systems in survival mode, Dave sees real momentum returning. Capital is flowing back into healthcare, and what's different this time is a more mature understanding of where technology fits and where it doesn't. AI handling clinical note-taking is the clearest near-term win — freeing physicians from the documentation burden that was eating their limited time with patients. Longer term, the new generation of LLMs built for scientific discovery is accelerating treatment development in ways that weren't possible even three years ago. The problem with scaling human experience. Mayo Clinic and Cleveland Clinic were early adopters of design thinking — writing case studies on patient experience in the 2000s that the whole industry studied. But the business model kept pulling in the other direction: enormous capital expenses, opaque insurance structures, and the relentless pressure to grow. And as Dave puts it, when you scale up a healthcare system, individualized experience gets harder, not easier. That's always true in any category — but the stakes are higher in healthcare. Then a pandemic arrived and survival became the only goal. The better the patient experience, the better the outcomes. Joe has been saying this for years, and the research backs it. The insight is simple but organizationally difficult: healthcare is not a service business. It uses experiences, but it's fundamentally in the transformation business. Every patient walking through the door has an aspiration — some version of going from sick to well. That aspiration, and the experience designed around it, drives outcomes. Geisinger Health System has operationalized this through outcome-based pricing: knee replacement doesn't work, you don't pay. More systems are moving in that direction. Human needs versus patient needs — there's a difference. Aransas's experience at Memorial Sloan Kettering is the episode's anchor story. A procedure booked with a debrief appointment scheduled at the same time — eliminating the anxiety window between test and result. And a nurse whose sole role during the procedure was comfort: one hand on Aransas's hand, one hand on her shoulder. Joe's reframe lands hard: "They didn't just meet your patient needs — they met your human needs." The distinction matters. Patients are still too often seen as collections of symptoms. The shift toward the whole person is coming, but it's uneven. AI's real job in healthcare: offload the routine so humans can be human. The most useful frame for AI in any service category — and healthcare in particular — isn't automation for its own sake. It's freeing the human in the room to be fully present. Checklists, documentation, protocol verification: these are exactly the kinds of cognitive load that drain providers and crowd out the relationship. Aransas makes the point that the "which leg are we operating on?" verification ritual exists because it was a real risk. The goal is to use operations and AI to cover the routine, so providers can put their energy into the part that only humans can do. Trained empathy has a shelf life. Dave traces the arc from "Welcome to Wachovia!" — a scripted greeting that felt like cutting-edge hospitality in its day — to the present moment, where scripted warmth reads as inauthentic almost immediately. Rote empathy, whether from a human or an AI trained to flatter, produces the same result: it rings hollow. Consumers have been through enough now that they can tell the difference. Joe's COVID-era conclusion still stands: "Be human." That's not a soft directive. In an environment where AI handles more and more of the transaction, genuine human presence becomes the differentiator. The tools that made experiences more human are showing their age. Persona building. Journey mapping. Design thinking. These were genuinely useful frameworks, and the industry built real capability around them. But Dave argues they're no longer sufficient. The question isn't how to design a better map — it's how to build what he's calling intelligent experiences: a new framework for the human interface that fits the current environment. He's writing about it now.   Referenced Memorial Sloan Kettering — patient experience design as a model for the category Geisinger Health System — outcome-based pricing for knee replacement procedures Wachovia Bank — early scripted greeting protocols as a case study in what hospitality looked like before it became a liability Have a question for Joe, Dave, or Aransas? Reply to any episode email on Substack — it goes straight to them. The Experience Strategy Podcast is hosted by Dave Norton and Aransas Savas. Subscribe at theexperiencestrategist.substack.com.

The Mercantilist Restoration - https://anthonyfatseas.substack.com/p/the-mercantilist-restoration-howInterview recorded - 18th of May, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Oliver. Michael is the founder of Momentum Structural Analysis and one of the most respected technical voices in the industry, with a methodology built not on price charts but on momentum structures that consistently identify major market turning points before they become obviou0:00 - Introduction1:21 - Market outlook7:08 - Geopolitical impact13:15 - Real assets to boom15:47 - Precious metals supercycle20:52 - Bonds22:26 - Silver and gold prices27:20 - Silver rise32:03 - Other commodities34:38 - China the winner?36:40 - One message to takeaway?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

Stijn Schmitz welcomes Michael Oliver to the show. Michael Oliver is Momentum Structural Analysis MSA. Oliver argues that a major government bond crisis is quietly underway, driven by unsustainable debt levels in the US and other developed nations. He contends that the T-bond market is on the verge of breaking down to new price lows, an event largely ignored by mainstream financial media but one that could trigger a panic. This looming crisis, he believes, will force central banks into aggressive money printing to defend government bonds, which in turn will act as rocket fuel for gold and silver. Oliver explains that gold's long-term rise is not due to transient geopolitical uncertainty but rather the ongoing degradation of fiat currencies through relentless monetary expansion. He sees the stock market as bloated and in the process of forming a major top, similar to the dot-com and mortgage crisis peaks. When equities eventually falter, capital will flee into hard assets, propelling precious metals into a vertical, “wet bar of soap” phase where everyone scrambles to buy. Silver, which recently broke out of a 50-year price range, is poised for dramatic gains. Oliver projects a move to $300–$500 per ounce, representing hundreds of percent in returns, vastly outpacing gold. He also highlights precious metals miners as an especially attractive opportunity, noting their historically low valuations relative to gold and their potential to double rapidly once they break out on a relative performance basis. Beyond precious metals, Oliver sees a broader commodity supercycle emerging, with oil, grains, and base metals all in technical positions to advance significantly. He advises a long-term, non-leveraged approach to the commodity complex as an asset class shift unfolds. Overall, Oliver's momentum-based analysis points to an imminent, explosive revaluation of hard assets, urging investors to position themselves before the government bond crisis becomes front-page news. Timestamps: 00:00:00 – Introduction 00:00:41 – Gold and Fiat Money Dynamics 00:03:09 – Government Bond Crisis Warning 00:03:43 – T-Bond Technical Analysis 00:08:46 – Structural Bond Market Trends 00:20:02 – Gold Bull Market Cadence 00:32:37 – Silver Price Forecast 00:37:36 – Silver Outperformance Potential 00:41:16 – Precious Metals Miners Outlook 00:46:48 – Selecting Individual Miners 00:50:23 – Broader Commodity Opportunities 00:54:42 – Closing and Resources Guest Links: Website: http://www.olivermsa.com/ X: https://twitter.com/Oliver_MSA Amazon Book: https://tinyurl.com/y2roa7p5 Email: mailto:michaeloliver@olivermsa.com Email MSA above, and they will send you this week’s report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton’s International Commodity Division, headquartered in New York City’s Battery Park. He studied under David Johnston, head of Hutton’s Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank’s Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

How do advisory firms continue growing once scale introduces complexity? What does it take to build a structure that supports independence, client experience, and long-term flexibility? In this episode of the RIA Edge Podcast, host David Armstrong speaks with Jordan Raniszeski, CFP, CPA,  senior managing partner at Carnegie Private Wealth, about the strategic decisions behind the firm's rapid growth after its transition to independence. He talks about early investments in human capital and junior advisors, an evolving executive management structure, and how flexible marketing strategies all resulted in expanded capacity and growth, and prepared the firm for its next phase. Key takeaways: The decision to leave a bank model in order to build brand control and internal flexibility How associate advisors expanded capacity without sacrificing client experience Why early investments in people created momentum for organic growth The role of management structure in supporting long-term scale How marketing, referrals, and community presence contributed to new client flow Resources: Listen to the RIA Edge Podcast on Wealth Management Listen and Subscribe to the RIA Edge Podcast on Apple Podcasts Listen and Subscribe to the RIA Edge Podcast on Spotify Connect With David Armstrong: Wealth Management LinkedIn: Wealth Management LinkedIn: David Armstrong Twitter/X: David Armstrong LinkedIn: Informa Connect With Jordan Raniszeski: LinkedIn: Jordan Raniszeski LinkedIn: Carnegie Private Wealth Website: Carnegie Private Wealth About Our Guest: Jordan Raniszeski is a leader in the Wealth Management industry and Senior Managing Partner at Carnegie Private Wealth where he's helped build a team of well-regarded and experienced advisors. The advisors of Carnegie Private Wealth collectively serve more than 519 households with over $2,000,000,000 in brokerage assets as of August 29, 2025. In his more than 20 years of experience as an advisor working with high-net-worth individuals and families, Jordan developed expertise in helping corporate executives, professionals and business owners. As a business owner and organizational leader himself, Jordan intimately understands the time constraints and complexities facing these clients and helps them build a plan to pursue their goals while balancing many different priorities. Jordan’s career path showcases his leadership and commitment to client service. He began at Deloitte’s individual tax practice, honing his skills in tax and estate planning strategies. Later, at Wachovia Bank (now Wells Fargo), Jordan helped build the Executive Financial Planning practice. Partnering with Angie Ostendarp, he then grew one of Wells Fargo Advisors’ largest brokerage practices. Throughout his journey, Jordan has remained a devoted student of the industry, constantly seeking innovative ways to serve clients. Leadership has been a constant theme in Jordan’s life. From roles in student government and charitable organizations to positions on sports teams, he has consistently stepped up to guide others. Jordan’s experience made him a natural fit to lead Carnegie’s formation. He now guides the Carnegie team, focusing on a shared vision for wealth management’s future.

Interview recorded - 6th of January, 2026On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Oliver. Michael is the founder of Momentum Structural Analysis.During our conversation we spoke about Michael's market overview, whether silver can continue to go higher, miners, the debasement trade, undervalued assets and more. I hope you enjoy!0:00 - Introduction1:37 - Overview of markets11:28 - Can silver get bigger?16:33 - Miners21:18 - Equities outlook27:08 - Debasement trade28:23 - Undervalued assets?33:51 - AI bubble38:53 - One message to takeawayJ. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

Stijn Schmitz welcomes Michael Oliver to the show. Michael Oliver is Momentum Structural Analysis MSA. In this detailed discussion, Oliver provides a comprehensive analysis of the current precious metals market, highlighting significant technical breakouts and potential future movements. Oliver emphasizes a critical technical shift occurring in the gold market, particularly in its performance relative to the S&P 500. He notes that gold has broken out of a long-standing trading range, signaling the beginning of a potentially multi-year bull market. This breakout suggests that gold is poised to outperform the stock market, with potential gains far beyond current expectations. The conversation takes an especially bullish turn when discussing silver. Oliver predicts an extraordinary surge in silver prices, potentially reaching $200 by the second quarter. He bases this projection on historical precedents of commodities breaking out of long-term trading ranges, such as copper and lead, which experienced rapid price appreciation after decades of stagnation. Oliver also highlights the potential for gold and silver mining stocks, arguing that they are currently undervalued and positioned for significant growth. He suggests that miners could potentially double in relative value to gold while simultaneously benefiting from rising precious metals prices. The broader commodity complex is another area of interest for Oliver. He sees a potential asset class shift favoring commodities over traditional paper markets, recommending investors consider commodity-related stocks in sectors like agriculture, oil, and base metals. 00:00:00 – Introduction00:01:05 – Gold’s Bull Market Outlook00:01:41 – Gold vs S&P Spread Breakout00:04:43 – Spread Charts Predictive Power00:08:37 – Silver’s Leadership in Bull Market00:09:55 – Silver vs Gold Ratio Breakout00:13:40 – Silver Historical Projections00:17:00 – Comparisons to Copper and Lead00:23:45 – Miners vs Gold Spread Analysis00:28:30 – Miners vs S&P Performance Shift00:31:10 – Other Commodities Investment Opportunities00:33:40 – Momentum Structural Analysis Overview00:34:45 – Concluding Thoughts Guest Links: Website: http://www.olivermsa.com/ X: https://twitter.com/Oliver_MSA Amazon Book: https://tinyurl.com/y2roa7p5 Email: mailto:michaeloliver@olivermsa.com Email MSA above, and they will send you this week’s report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton’s International Commodity Division, headquartered in New York City’s Battery Park. He studied under David Johnston, head of Hutton’s Commodity Division and Chairman of the COMEX. n the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank’s Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Oliver. Michael is the founder of Momentum Structural Analysis.During our conversation Michael spoke about the economic weakness he is seeing in the markets, why he thinks there could be a crash, whether he has been surprised the FED hasn't cut, monumental crash and more. I hope you enjoy!0:00 - Introduction 1:40 - Overview on markets6:46 - Economic weakness10:17 - Surprised FED haven't cut?14:24 - Bond market19:52 - Global markets25:02 - Monumental crash27:15 - Liquidity28:30 - One message to take awayJ. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseasThumbnail Image from - https://www.marketwatch.com/story/stock-investors-are-still-in-danger-but-history-says-bear-markets-are-relatively-brief-11655419223

Now “retired” (whatever that means), Nevin is the former Chief Content Officer and Head of Retirement Research for the American Retirement Association. One of the retirement industry's most prolific writers, these days he's “retired”, which means he writes less, but continues to keep his eye on developments in, and threats to, the nation's private retirement system. He's the Chief Advisor Strategist at Endeavor Retirement, and he's also the “Nevin” in the Nevin & Fred podcast (along with renowned ERISA attorney Fred Reish), offering irreverent, but relevant perspectives on the critical issues confronting plan sponsors, advisors, and retirement industry professionals. Prior to his time at the ARA, he was the Employee Benefits Research Institute's Director of Education and External Relations, Co-Director of EBRI's Center for Research on Retirement Income, and Director of the American Savings Education Council, and prior to that, spent a dozen years as Global Editor-in-Chief of PLANSPONSOR magazine and PLANSPONSOR.com, as well as PLANADVISER and PLANSPONSOR Europe magazines. He was the originator, creator, writer, and publisher of PLANSPONSOR.com's NewsDash. He began his retirement services career at Northern Trust in Chicago, where he later served in a variety of management roles, culminating in the development of a proprietary recordkeeping platform, and at Wachovia Bank, leading their defined contribution/recordkeeping businesses.In this episode, Eric and Nevin Adams discuss:Retirement income requires tailored solutions.Fiduciary roles shift after adoption.Default options remain a challenge.Adoption will be gradual and cautious.Key Takeaways:There's a wide range of income options beyond annuities, but each plan should carefully assess its participants' needs before implementing anything.Choosing to offer a retirement income option begins as a settlor decision, but once implemented, it becomes a fiduciary duty to select the specific solution, to monitor, and manage.Auto-enrolling participants into lifetime income products is complex—many don't fully grasp the trade-offs, and surveys show mixed interest.Due to regulatory uncertainty and logistical hurdles, most plan sponsors are expected to move conservatively, guided by education and expert consultation.“How are we making default lifetime income assumptions about people on a generic basis without some of that nuance? Aren't you, almost by definition, creating a product that's not really going to fit people anyway?” - Nevin AdamsConnect with Nevin Adams:Website: https://nevinandfred.com/ LinkedIn: https://www.linkedin.com/in/nevinadams/ Connect with Eric Dyson: Website: https://90northllc.com/Phone: 940-248-4800Email: contact@90northllc.com LinkedIn: https://www.linkedin.com/in/401kguy/ The information and content of this podcast are general in nature and are provided solely for educational and informational purposes. It is believed to be accurate and reliable as of the posting date, but may be subject to changeIt is not intended to provide a specific recommendation for any type of product or service discussed in this presentation or to provide any warranties, investment advice, financial advice, tax, plan design, or legal advice (unless otherwise specifically indicated). Please consult your own independent advisor as to any investment, tax, or legal statements made.The specific facts and circumstances of all qualified plans can vary, and the information contained in this podcast may or may not apply to your individual circumstances or to your plan or client plan-specific circumstances.

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Interview recorded - 13th of March 2025On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Oliver. Michael is the founder of Momentum Structural Analysis.During our conversation we spoke about the current risk of a recession, what this means for markets, why there could be a long bear market, gold, the commodity super cycle and more. I hope you enjoy!0:00 - Introduction1:17 - Thoughts on markets?6:13 - How do you define a market?10:51 - Surprised about market strength?20:51 - Dollar to come down22:11 - Recession24:41 - Gold32:26 - Commodity super cycle?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park.  He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

In this podcast episode of Palisades Gold Radio, your host Tom Bodrovics welcomes back Michael Oliver from Momentum Structural Analysis. A length discussion on the outlook for silver and gold, stock market trends, and broader economic factors ensues. Oliver explains his $250 target for silver as realistic, noting historical precedents where silver outperformed gold during bull markets. He highlights the spread between silver and gold, emphasizing that silver could reach 2% of gold's price, a significant move from its current level of around 1.13%. This would translate to a substantial increase in silver prices if gold rises significantly. Oliver believes gold will lead the way up but notes silver and gold miners may outperform due to their lower valuations relative to gold. He shows charts indicating gold's strength against the S&P 500, with gold currently at about 45% of the index compared to a peak of 60%. Gold's momentum remains strong despite minor pullbacks. Oliver warns that the stock market bubble is set to burst. He expects asset managers to shift funds into gold and related assets as the market weakens. The gold miners index (XAU) is undervalued compared to gold, suggesting significant potential gains once investors begin to reallocate capital. Oliver discusses the dollar's potential decline, noting a critical momentum level that could signal a broader downtrend. A weaker dollar would likely boost commodities and gold, though he cautions against tying this directly to political factors like Trump's policies. Reflecting on his book on anarcho-capitalism, Oliver suggests a shift away from statism toward market-driven solutions. He speculates that events like the stock market crash could catalyze significant policy changes, including tax reforms or central bank abolition. Time Stamp References:0:00 - Introduction0:34 - Silver & Targets6:25 - Flight To Gold vs S&P9:33 - Gold Weekly Momentum12:17 - Equities & Bubbles16:18 - The Decline Grind?18:18 - XAU & Miners24:06 - Equity Selloff & Metals27:16 - Dollar Effects & Momentum33:30 - WTI Crude & Economic Reality38:25 - Cuts & Changes in Nations44:40 - Pain Points as Catalysts?48:18 - Large Long-Term Trends51:10 - DOGE & Ayn Rand54:06 - Wrap Up Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Interview recorded - 14th of October, 2024This interview was from a WTFinance podcast with Michael Oliver. Michael is a regular guest who is the founder of Momentum Structural Analysis.During our conversation we spoke about how the US is currently the largest market, why the FED won't be able to save it, precious metals and gold, whether silver will outperform this time, a debt crisis and more. I hope you enjoy!0:00 - Introduction0:16 - Hell in markets still on the cards in 2024?4:20 - FED saved the day?6:40 - Silver to outperform?8:35 - Extended bond bear market?11:50 - Flash crashes incoming?15:30 - Trends keep increasing18:20 - What is happening in China?20:25 - Debt crisis?25:16 - Commodity super cycle?27:00 - Where does gold and commodities go?31:10 - Miners to perform?34:35 - One message to takeaway from conversation?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park.  He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

Interview recorded - 13th of November, 2023On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Oliver - Founder of Momentum Structural Analysis.During our conversation we spoke about Michael's thoughts about the markets, why there is continued stress, what is happening with bonds, what assets will perform and more!0:00 - Introduction0:49 - What is Michael currently seeing in markets?8:42 - Largest companies holding up indexes. Will they remain stable?17:01 - Has cutting rate/QE been good for equities?19:02 - What happens when bond prices decrease?24:07 - What will happen with bonds?28:53 - One message to takeaway from our conversation?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park.  He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

On episode 115, we had the pleasure to welcome back Michael Oliver. We dive into the global dynamics and how momentum is shifting in markets. We touch on subjects of politics, culture and economic trends/dynamics that are producing a shift in momentum. These shifts are important to understand where opportunities lay whether you are an investor or a trader. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism, a marriage of the concepts of Ayn Rand and Murray Rothbard, written in 1972 and published in Website: https://www.olivermsa.com/ Sign up to our Monthly Macro Newsletter - @ https://newgenmindset.substack.com/ Socials: Nic Tartaglia - @nictartaglia Dan Kozel - @dan_kozel93 www.newgenmindset.com --- Send in a voice message: https://podcasters.spotify.com/pod/show/newgenmindset/message

The #1 issue most people face when it comes to retirement is running out of money. Secondly, most people want to live the best retirement that they can. If there's anything left, they'll gladly give it to their children—but it doesn't need to be millions of dollars. Too many people are dying with too much money and never got to live out the retirement of their dreams. You've been saving your entire life. You shouldn't be scared to spend the money and fear it running out. So how do we make sure that doesn't happen? I'll share some of the common solutions—and our strategy at Fortress Planning Group—in this episode of Best in Wealth. [bctt tweet="The #1 issue most people face when it comes to retirement is running out of money. How do we solve for that at Fortress Planning Group? Learn more in episode #242 of Best in Wealth! #retirement #RetirementPlanning #WealthManagement" username=""] Outline of This Episode [1:07] Spending money in your retirement [2:49] The two central issues with retirement income [4:38] Solution #1: Purchase an annuity [5:50] Solution #2: Live off your dividends [8:00] Solution #3: The 4% rule [10:04] Solution #4: Guyton and Klinger's Guardrails [15:30] Utilizing risk-based guardrails Solution #1: Purchase an annuity An annuity has the potential to give you steady income until you die. Let's say you give $1 million to an insurance company in exchange for monthly payments. It might be $4,000-$6,000 per month. But when you pass away, the insurance company keeps your money. If the insurance company goes out of business, you lose those monthly payments. Many people still use annuities to fund their retirement. The biggest drawback is that most people don't think about inflation. That money won't go as far in 20 years. Solution #2: Live off your dividends Let's say you have $1 million and you decide to buy a company that's paying a nice dividend. Let's just say you're receiving a 5% dividend or $50,000 a year to live off of. But most people don't know that dividends can go down. Secondly, when the stock price fluctuates, your $1 million could lose value. Someone who invested in Wachovia Bank lost everything when they filed bankruptcy. The investment became worthless. [bctt tweet="Can you fund your retirement by living off your dividends? I share why this isn't the wisest decision (and what we do instead) in this episode of Best in Wealth! #retirement #RetirementPlanning #WealthManagement" username=""] Solution #3: Follow the 4% rule Stocks can gain value over their lifetime. The 4% rule means that if you have $1 million, you could live off of a 4% withdrawal from your portfolio the first year. Every year, you take an inflation adjusted raise. If inflation is 10%, you withdraw $44,000. If you do that, your purchasing power stays the same. Bengen looked at every 30-year period in history and 93% of the time, the 4% rule works. What about the other 7% of the time? What doesn't the 4% rule solve for? Solution #4: Guyton and Klinger's Guardrails Guyton and Klinger's Guardrails try to solve for both running out of money and dying with too much money. They posit that a 4% withdrawal can be too small of an amount. They usually start with withdrawals of 4.5–5%. How is their process different? If you start with $1 million and the portfolio goes to $1.2 million, you give yourself a raise as well as an adjustment for inflation. And if your portfolio goes down to $800,000, you have to be willing to take a pay cut until the portfolio gets back above your lower guardrail. When you take raises when your portfolio is doing well, it solves the issue of dying with too much money left. You rely on your guardrails to dictate what you do. But we don't entirely use this strategy—or any of these strategies—at Fortress Planning Group. What do we do?...

Tom welcomes Michael Oliver back from Momentum Structural Analysis to discuss the economy's past year and its potential future direction. Michael highlights that although a significant number of "soft jobs" were created, the overall growth remained relatively flat and not as robust as portrayed in the mainstream media. When analyzing the real estate market, including REITs, Michael finds that they are also facing challenges. Looking at his momentum charts, he observes clear signs of declining momentum in the S&P500, which could lead to a substantial correction. Contrary to popular belief, Michael argues that rate cuts are not bullish for the stock market, as they signal underlying concerns to investors. If the S&P500 drops below the 4500 level, further downside may be expected. In Michael's view, the Fed will likely cut rates before June to regain control over the rapidly fluctuating T-Bill markets, considering they have limited influence on the long-end of the market. Michael also discusses the relationship between gold and silver. While gold often lags behind, it can experience rapid increases in value, which silver tends to follow. Currently, silver is underperforming in comparison to gold, but Michael believes it may enter a new trading range and eventually outperform gold based on historical behavior. In addition to economic factors, Michael emphasizes that the market is not adequately pricing in the uncertainties surrounding the 2024 election. A tumultuous period with little compromise from either side is expected, potentially leading to increased political polarization and a higher likelihood of violence from both ends. Michael even suggests that the possibility of states seceding is on the rise. With these factors in mind, he anticipates that a significant event will likely occur before the elections. Time Stamp References:0:00 - Introduction0:32 - The Past Year & Metrics3:59 - Consumer Spending (XLY)6:48 - Real Estate & GDP/ISM Data8:43 - Fed, S&P500, & Investors14:58 - Bear Markets & Crashing?19:08 - T-Bonds & TLT Charts28:03 - Gold & Silver 2020-202433:43 - Silver Vs. Gold Spreads49:28 - Politics & Market Trends58:23 - Wrap Up Talking Points From This Episode The S&P500 is showing signs of declining momentum, which may lead to a significant market correction. Silver is currently underperforming compared to gold, but historical behavior suggests it may outperform in the future. The uncertainties surrounding the 2024 election are not adequately priced into the market. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Interview recorded - 13th of November, 2023On this episode of the WTFinance podcast I had the pleasure of welcoming back Michael Oliver - Founder of Momentum Structural Analysis.During our conversation we spoke about Michael's thoughts about the markets, why there is continued stress, what is happening with bonds, what assets will perform and more!0:00 - Introduction0:49 - What is Michael currently seeing in markets?8:42 - Largest companies holding up indexes. Will they remain stable?17:01 - Has cutting rate/QE been good for equities?19:02 - What happens when bond prices decrease?24:07 - What will happen with bonds?28:53 - One message to takeaway from our conversation?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park.  He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

Laura welcomes Senior Vice President of TD Bank, Chantal Capodicasa, to talk about how she found the courage to speak up in defense of her team and challenge a directive in a time of crisis. In this episode you will learn: How Chantal challenges the misconceptions about ‘lenders' at banks, and illustrates how they are more ‘relationship managers' for bank clients. How Chantal's family's battle with cancer showed her how being vulnerable can leave space for her team to show up for her in ways she didn't realize she needed How speaking up in a meeting, even when it's just to ask a question or gain clarity, can benefit you and your team How storytelling in an interview can show you have the ‘It' factor employers are looking for 24 Hour Challenge: In your next meeting, if you're usually one of the quiet participants, speak up! Ask a question, share a best practice, or encourage participation from other teammates. About Chantal Capodicasa: Chantal Capodicasa is a Senior Vice President for TD Bank, and is the Regional Vice President for Commercial Banking in Southern New Jersey.  Chantal began her career in banking with the former Wachovia Bank (now Wells Fargo) in 2004. Today she leads a team of dedicated commercial and small business relationship managers as well as customer sales associates who provide legendary experiences and trusted advice around all aspects of commercial financial needs to TD Bank customers throughout Burlington, Camden, and Mercer counties. Chantal is very active within the TD Bank internal team member networks, participating as a mentor for  the Take the L.E.A.D program which is aimed at developing and advancing women in TD's commercial bank, as a mentor for the Impact program, a mentor for the RVP development program, and a mentor for the Relationship Manager Associate program. She also serves on the internal Business Action Committee for the TD Bank and Project Search partnership which focuses on preparing young people with significant disabilities for success in competitive integrated employment and is also an advocate for the Military Spouse Employment Partnership and Veterans recruitment.   Chantal earned her BS in Finance from the University of Connecticut. She currently serves on the boards for the Burlington County Regional Chamber of Commerce, the YMCA of the Pines, the Princeton Regional Chamber of Commerce (Treasurer) and the Medford Business Association (President). Most recently, Chantal is the recipient of the 2023 Outstanding Women's Business Executive honor from the Burlington County Regional Chamber of Commerce Voice of Business awards and was the 2022 Southern New Jersey Golf Classic Honoree for the Alzheimer's Association. Chantal is also active within the NJ State Veterans Chamber of Commerce, is a foster for the Burlington County Animal Alliance and has been an assistant coach for the Medford Youth Athletic Association track team. Chantal's husband, Col Michael Capodicasa, is a veteran pilot and still serving with the USAFR today. Chantal and Michael live in Medford, NJ with their two sons.   You can connect with Chantal in the following ways: LinkedIn: https://www.linkedin.com/in/chantal-capodicasa-aab996a/   You can connect with Dr. Laura Sicola in the following ways: LinkedIn: https://www.linkedin.com/in/drlaurasicola LinkedIn Business Page: https://www.linkedin.com/company/vocal-impact-productions/ YouTube: https://www.youtube.com/c/VocalImpactProductions Facebook: Vocal Impact Productions Twitter: @LauraSicola Instagram: @VocalImpactProductions Website: https://vocalimpactproductions.com/ Laura's Online Course: virtualinfluence.today See omnystudio.com/listener for privacy information.        See omnystudio.com/listener for privacy information.

Welcome back to the Daily Mastermind. My name is George Wright III, here with your daily dose of inspiration, motivation, and education. And I want to get your week started out right. So, let's start you with The quote of the day. And if you're not getting these, make sure you check us out. You can go to Facebook, Instagram, or TikTok. You're going to see these quote of the days every single day during the week, seven days a week. And the quote today is, “Our greatest glory is not in never falling, but in rising every time we fall”. These quotes are here to be able to inspire you and remind you that It's so important for you not to give up. It's so important for you to continue to grow and expand and create your best life What we want to do here with the daily mastermind is every week I want to get you refocused on what's important and if you're listening to this podcast, it's probably because You're trying to create your best version of yourself and live that life that you were meant to live your best life And so this week what I'd like to do is I'd like to talk to you a little bit about your energy And this is so important because as you know, I believe our thoughts create our life And as a conscious creator of your life, you've got to dig deep into what it is you can do to expand your knowledge, your skills, and your productivity. You know, everything you can do inside your life. And, um, this, this idea of energy is so important. In fact, it's one of those six performance habits that Brendan Burchard talks about in his book, High Performance Habits. And he always talks about energy. And in his book, he talks about being able to release tension, bring joy. And get in good shape and these things will help you to create more energy in your life but I came across a good article and I really liked some of the suggestions and feedback that this article gives and it's from a gentleman by the name of Tony Schwartz who's the president and founder of the energy project in New York because I think You know, there's a couple things we need to keep in mind as the world gets more and more fast paced as we try to get more and more results out of less and less time. I don't know if you, you feel like me, I have this conversation all the time with people, whether it's personal, family, friends, or even business, that time just seems to be going so fast. And even though logically we all have 24 hours in a day and logically. We know that the time is that equalizing factor that all of us have. We all have 24 hours. The question is how are you spending it? But I want to get you thinking about something just slightly different this week. And what I want to propose to you is that the core problem with continuing to work longer hours and more You know, especially if you're, you know, you're doing something on the side or you've got a side hustle or you've got passion or you're even For example trying to expand your businesses or your investments or whatever A lot of times we feel like the solution is to work longer hours but the problem with that is that Time is just a finite resource. You only have so much of it. And so, it's important for you to think about the idea and I want to plant this seed with you that energy is a totally different story. Energy is not a finite resource. Energy is something that you can create, and you know, it's something that comes from what Tony Schwartz likes to call four different well springs. Or areas that you can generate energy. And I think it's important for us this week to talk a little bit about how you can create more energy in your mind, your body, your emotions, and your spirit. Because I think sometimes, we just feel like, man, I need more energy. I'm going to get some sleep or man; I need some more energy. I'm going to get more focused, but it's very important for you to understand that. You can create energy in several different ways. But it is about focusing your energy. So let's talk about this because Um, you know, Schwartz and McCarthy, a couple gentlemen that created a pretty big study at, um, Boy, I think, I'm trying to think of, I think it was Wachovia Bank, as they were expanding branches all over the, all over the country, but they gave a list of some suggestions of things you could do to create more energy. In your physical, your emotional, your mental, and your spiritual areas of your life. And I thought emotional energy, that's a big one because that's also a big drain. So, I'm going to give you some just hot suggestions right off the bat here, Monday morning. I'm also going to dig a little deeper into this throughout the week. Um, in between some of these interviews with success experts and, you know, money and business experts we have coming in. So, let's talk a little bit about this. How can you create more energy with your physical? Well, some of the suggestions that we've got is enhance your sleep by setting an earlier bedtime and reducing the use of alcohol. You know, so many times we don't realize that a little change in our sleep pattern is going to make a big change in our energy. You can also reduce stress by engaging in cardiovascular. If you're not working out some way, somehow, or monitoring your food intake, you're robbing yourself of energy. You're literally robbing yourself of energy. They also suggest smaller meals, lighter snacks every three hours. And it's important for you to identify the signs of when you're tired physically, you know, you might be yawning or feel hungry or restless, or maybe you're a little irritated. You've got to monitor your physical energy because that is one of your greatest assets that's going to help you to be successful in every area of your life. So do little things. Create little rituals with your physical energy. Now let's talk for a second about some suggestions on emotional energy. Because your emotions can absolutely drain you. I think we all know this. But you can diffuse negative situations, whether you're impatient, anxious, insecure, by just being aware of those. Those negative emotions and it's important for you to quickly diffuse those negative emotions identify them and get them get them Through right get past them. You can also learn to fuel positive emotions you know in yourself or even in people around you, you know find ways to um, you know just Express appreciation, express gratitude, learn to write notes and have conversations with people you care about. That's ways to fuel your positive emotions. The other thing is look at upsetting situations that you have in your life through a new lens. So, your emotions can be determined by your philosophy. So, you know, when you have something happen to you, Step back for a second and say, hey, how can I look at this a different way? When you do that, when you diffuse negative situations, you give fuel to positive emotions and then you relook at these circumstances through a different lens. You're going to start to build a reserve of emotional energy Which will carry you through times when you when you when you may be in some of these other areas of energy don't have it So really be conscious of your emotions this week and find ways that you can create energy or eliminate the drain of energy From your emotions because that will definitely impact your day to day now. Let's talk for a second about your mental energy What can you do to increase your mental energy? We talked about physical we talked about emotional now Let's talk about mental because these are different areas. You can reduce interruptions Your mental energy is completely robbed by constantly being glued to your phone, or social media, or email. You know, respond to those types of things, or set times aside to do that. But you may not notice it, but if you're, you know, multitasking between multiple things, your mind is going to get worn out. So, learn to kind of time block and bulk tasks, but take those... Those mental draining activities and, and, and put them into a block of time and, and, and put them off to the side. Also, every night, it's very important that you just identify the most important challenge or the thing that's the most important for you, even if it's difficult, that you're going to do and jump right on it first thing in the morning and get it out of the way. Make sure that you do that because it'll give you mental energy to know that you're prioritizing your tasks and you're doing what's important. And then let's talk for a second just now about your spiritual energy. Now what I'm talking about here is just your, your being, your state of being, your passion, your purpose for life. It's very important that you learn that that's a different type of energy you can create. And one of the best ways to do this relates to the idea of identifying and working in your sweet spot. Or, you've heard me say before, your unique talent, those things that you're excellent at and passionate about. Identify your sweet spot activities. Those, those are the ones that give you feelings of, you know, losing time when you get it or you get energized when you're doing things you love, right? Because when you're doing things you hate, it drains your actual spiritual energy. Um, so when I'm talking about this, you, you realize we talked about. Physical, your emotions in your mind, spiritual energy is like your real you, right? So, if you're doing things that you hate doing, that's going to drain you. It's not going to, it's not going to feed your energy, but you can learn to allocate time and energy to what you consider to be important in life. Things that are going to give you purpose and passion. Purpose and passion are the things that are going to energize you everywhere in your life. And it's important. And I think I've found over time, it's very important for you to live. In your core values, if you've ever done things in business or work or personal or whatever that are not in your core values, the things that you truly find the most important in your life, it's going to drain you. It's going to drain you of your energy and realize that you're evolving throughout time and you're You know, your purpose, your passion, your mission, and even your priorities are going to change. So make sure that you're dealing with your priorities. I've had this happen many times in my life where I know the things I want to be working on, but because I'm so busy, you know, I get shifted into things I don't want to work on. And man, it just drains you. So my message here today is this. I want you to take this throughout the week and think about this. One of the best resources you could do is to create and focus on generating life. You only have a finite amount of time, but all of us can expand our energy. And if you can expand your energy in your areas of your mind, your body, your spirit, and your emotions, you've got multiple, you know, uh, arsenals here that you can use to. Fuel your impact and your results. So that's my message for today. I hope it's something that just kind of inspires you and gets you thinking. If you wouldn't mind, please share the, the, the episode today, share it on your social media, tag me if you could. I'd love to see who's, who's out there and what you're up to. That's the Daily Mastermind on TikTok, or YouTube. Um, share this episode so that other people can kind of get these, these thoughts as well. I know that, um, you know, you're the average of the people you surround yourself with. So, I appreciate you being here today. I appreciate you being part of our community. I look forward to helping you and, uh, you know, if there's anything I can do for you, certainly reach out. I look forward to talking with you more tomorrow. Once again, my name's George Wright III and this has been the Daily Mastermind. Talk soon. Thanks for listening.   George Wright III dailymastermind.com    ​   

Welcome back to the Daily Mastermind. My name is George Wright III, here with your daily dose of inspiration, motivation, and education. And I want to get your week started out right. So, let's start you with The quote of the day. And if you're not getting these, make sure you check us out. You can go to Facebook, Instagram, or TikTok. You're going to see these quote of the days every single day during the week, seven days a week. And the quote today is, “Our greatest glory is not in never falling, but in rising every time we fall”. These quotes are here to be able to inspire you and remind you that It's so important for you not to give up. It's so important for you to continue to grow and expand and create your best life What we want to do here with the daily mastermind is every week I want to get you refocused on what's important and if you're listening to this podcast, it's probably because You're trying to create your best version of yourself and live that life that you were meant to live your best life And so this week what I'd like to do is I'd like to talk to you a little bit about your energy And this is so important because as you know, I believe our thoughts create our life And as a conscious creator of your life, you've got to dig deep into what it is you can do to expand your knowledge, your skills, and your productivity. You know, everything you can do inside your life. And, um, this, this idea of energy is so important. In fact, it's one of those six performance habits that Brendan Burchard talks about in his book, High Performance Habits. And he always talks about energy. And in his book, he talks about being able to release tension, bring joy. And get in good shape and these things will help you to create more energy in your life but I came across a good article and I really liked some of the suggestions and feedback that this article gives and it's from a gentleman by the name of Tony Schwartz who's the president and founder of the energy project in New York because I think You know, there's a couple things we need to keep in mind as the world gets more and more fast paced as we try to get more and more results out of less and less time. I don't know if you, you feel like me, I have this conversation all the time with people, whether it's personal, family, friends, or even business, that time just seems to be going so fast. And even though logically we all have 24 hours in a day and logically. We know that the time is that equalizing factor that all of us have. We all have 24 hours. The question is how are you spending it? But I want to get you thinking about something just slightly different this week. And what I want to propose to you is that the core problem with continuing to work longer hours and more You know, especially if you're, you know, you're doing something on the side or you've got a side hustle or you've got passion or you're even For example trying to expand your businesses or your investments or whatever A lot of times we feel like the solution is to work longer hours but the problem with that is that Time is just a finite resource. You only have so much of it. And so, it's important for you to think about the idea and I want to plant this seed with you that energy is a totally different story. Energy is not a finite resource. Energy is something that you can create, and you know, it's something that comes from what Tony Schwartz likes to call four different well springs. Or areas that you can generate energy. And I think it's important for us this week to talk a little bit about how you can create more energy in your mind, your body, your emotions, and your spirit. Because I think sometimes, we just feel like, man, I need more energy. I'm going to get some sleep or man; I need some more energy. I'm going to get more focused, but it's very important for you to understand that. You can create energy in several different ways. But it is about focusing your energy. So let's talk about this because Um, you know, Schwartz and McCarthy, a couple gentlemen that created a pretty big study at, um, Boy, I think, I'm trying to think of, I think it was Wachovia Bank, as they were expanding branches all over the, all over the country, but they gave a list of some suggestions of things you could do to create more energy. In your physical, your emotional, your mental, and your spiritual areas of your life. And I thought emotional energy, that's a big one because that's also a big drain. So, I'm going to give you some just hot suggestions right off the bat here, Monday morning. I'm also going to dig a little deeper into this throughout the week. Um, in between some of these interviews with success experts and, you know, money and business experts we have coming in. So, let's talk a little bit about this. How can you create more energy with your physical? Well, some of the suggestions that we've got is enhance your sleep by setting an earlier bedtime and reducing the use of alcohol. You know, so many times we don't realize that a little change in our sleep pattern is going to make a big change in our energy. You can also reduce stress by engaging in cardiovascular. If you're not working out some way, somehow, or monitoring your food intake, you're robbing yourself of energy. You're literally robbing yourself of energy. They also suggest smaller meals, lighter snacks every three hours. And it's important for you to identify the signs of when you're tired physically, you know, you might be yawning or feel hungry or restless, or maybe you're a little irritated. You've got to monitor your physical energy because that is one of your greatest assets that's going to help you to be successful in every area of your life. So do little things. Create little rituals with your physical energy. Now let's talk for a second about some suggestions on emotional energy. Because your emotions can absolutely drain you. I think we all know this. But you can diffuse negative situations, whether you're impatient, anxious, insecure, by just being aware of those. Those negative emotions and it's important for you to quickly diffuse those negative emotions identify them and get them get them Through right get past them. You can also learn to fuel positive emotions you know in yourself or even in people around you, you know find ways to um, you know just Express appreciation, express gratitude, learn to write notes and have conversations with people you care about. That's ways to fuel your positive emotions. The other thing is look at upsetting situations that you have in your life through a new lens. So, your emotions can be determined by your philosophy. So, you know, when you have something happen to you, Step back for a second and say, hey, how can I look at this a different way? When you do that, when you diffuse negative situations, you give fuel to positive emotions and then you relook at these circumstances through a different lens. You're going to start to build a reserve of emotional energy Which will carry you through times when you when you when you may be in some of these other areas of energy don't have it So really be conscious of your emotions this week and find ways that you can create energy or eliminate the drain of energy From your emotions because that will definitely impact your day to day now. Let's talk for a second about your mental energy What can you do to increase your mental energy? We talked about physical we talked about emotional now Let's talk about mental because these are different areas. You can reduce interruptions Your mental energy is completely robbed by constantly being glued to your phone, or social media, or email. You know, respond to those types of things, or set times aside to do that. But you may not notice it, but if you're, you know, multitasking between multiple things, your mind is going to get worn out. So, learn to kind of time block and bulk tasks, but take those... Those mental draining activities and, and, and put them into a block of time and, and, and put them off to the side. Also, every night, it's very important that you just identify the most important challenge or the thing that's the most important for you, even if it's difficult, that you're going to do and jump right on it first thing in the morning and get it out of the way. Make sure that you do that because it'll give you mental energy to know that you're prioritizing your tasks and you're doing what's important. And then let's talk for a second just now about your spiritual energy. Now what I'm talking about here is just your, your being, your state of being, your passion, your purpose for life. It's very important that you learn that that's a different type of energy you can create. And one of the best ways to do this relates to the idea of identifying and working in your sweet spot. Or, you've heard me say before, your unique talent, those things that you're excellent at and passionate about. Identify your sweet spot activities. Those, those are the ones that give you feelings of, you know, losing time when you get it or you get energized when you're doing things you love, right? Because when you're doing things you hate, it drains your actual spiritual energy. Um, so when I'm talking about this, you, you realize we talked about. Physical, your emotions in your mind, spiritual energy is like your real you, right? So, if you're doing things that you hate doing, that's going to drain you. It's not going to, it's not going to feed your energy, but you can learn to allocate time and energy to what you consider to be important in life. Things that are going to give you purpose and passion. Purpose and passion are the things that are going to energize you everywhere in your life. And it's important. And I think I've found over time, it's very important for you to live. In your core values, if you've ever done things in business or work or personal or whatever that are not in your core values, the things that you truly find the most important in your life, it's going to drain you. It's going to drain you of your energy and realize that you're evolving throughout time and you're You know, your purpose, your passion, your mission, and even your priorities are going to change. So make sure that you're dealing with your priorities. I've had this happen many times in my life where I know the things I want to be working on, but because I'm so busy, you know, I get shifted into things I don't want to work on. And man, it just drains you. So my message here today is this. I want you to take this throughout the week and think about this. One of the best resources you could do is to create and focus on generating life. You only have a finite amount of time, but all of us can expand our energy. And if you can expand your energy in your areas of your mind, your body, your spirit, and your emotions, you've got multiple, you know, uh, arsenals here that you can use to. Fuel your impact and your results. So that's my message for today. I hope it's something that just kind of inspires you and gets you thinking. If you wouldn't mind, please share the, the, the episode today, share it on your social media, tag me if you could. I'd love to see who's, who's out there and what you're up to. That's the Daily Mastermind on TikTok, or YouTube. Um, share this episode so that other people can kind of get these, these thoughts as well. I know that, um, you know, you're the average of the people you surround yourself with. So, I appreciate you being here today. I appreciate you being part of our community. I look forward to helping you and, uh, you know, if there's anything I can do for you, certainly reach out. I look forward to talking with you more tomorrow. Once again, my name's George Wright III and this has been the Daily Mastermind. Talk soon. Thanks for listening.   George Wright III dailymastermind.com    ​   

On this episode, we Build with Ricky Shore. Ricky graduated from North Carolina State University and started his first career with Wachovia Bank. 25 years later he left the Bank as a senior executive and purchased Aladdin Travel and Meeting Planners. 14 years later, he sold Aladdin and is now happily retired from not just 1, but 2 careers.In this wide-ranging conversation, we discuss life with 3 kids, his journey from being with the bank for 25 years to pivoting to owning his own travel company. We get into what "Rickyism's" are and how they help build a strong culture that's built to last. Ricky also shares how to incentivize people the right way and how to pick the right clients.Ricky is married to Sally (41 years) and they have three children and seven grandchildren. They have lived in Hickory, NC, Atlanta, Georgia and now their hometown of Winston-Salem, NC.During his working career and in retirement Ricky has been a committed volunteer and helped numerous organizations with fundraising. He is active at St. Paul's Episcopal Church and has helped with 3 capital campaigns, served on the Vestry both Senior and Junior Warden. Today, Ricky is enjoying traveling, his children and grandchildren, golf, tennis, pickle ball, biking and not working.Enjoy!

Tom welcomes Michael Oliver back from Momentum Structural Analysis, explaining how they use momentum trends to look at the long-term picture of market sectors. Momentum can show something breaking before the price trend appears. He believes the Nasdaq is in a counter-trend rally which could work for a few months, but much of its performance is limited to a few over-weighted stocks. It wouldn't take much to initiate a new decline. Michael discusses a point and figure chart designed to take out erratic price action with gold. He expects there to be a point where moves in gold and silver are so dynamic that big swings won't matter. He then talks about the dollar and their past predictions based on momentum. In recent months the dollar has been moving sideways for several months and he expects a mini collapse when it reaches the 101 level. He argues that the world doesn't need a "global reserve currency" in this modern age with communications and near instant computer systems. Michael believes commodities, including oil and agriculture, are now largely undervalued again. He notes that energy may be lagging in the coming commodity move and uranium has been in a pause and hasn't experienced a pullback, which may be indicative of the world in a new transition to that energy source. He adds that miners are often weak before the real breakout and, once reality sets in, they snap to the upside and outperform gold in relative performance. Finally, Michael warns of the uncertainty with the coming elections, which doesn't appear to be priced into today's markets. He outlines a scenario that could play out if Trump were to start his own political party, noting that something is going to change fundamentally this election cycle in the United States. Time Stamp References:0:00 - Introduction0:38 - Market Breathing4:33 - Nasdaq Health8:03 - Gold PF Chart12:38 - Gold & Moving Averages16:45 - Trends & Silver19:10 - Dollar Performance28:00 - Oil & Petrodollar33:02 - Uranium Outlook34:37 - Flash Crashes40:42 - Miners Vs. Metals45:23 - Election Uncertainty50:52 - Wrap Up Talking Points From This Episode MSA looks at long-term market trends and can show something breaking before the price trend appears.Commodities, including oil and agriculture, are now largely undervalued again.Uncertainty with the coming elections is not priced into today's markets. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Interview recorded - 8th of May, 2023On todays episode of the WTFinance podcast I had the pleasure of speaking with Michael Oliver, Founder of Momentum Structural Analysis.0:00 - Introduction0:42 - Major macro trends Michael is currently watching?7:42 - Why is the current market not normal?15:00 - How will you know when the crash is occurring?24:25 - Real Estate or other real assets to perform?26:45 - What would it take for Michael to be bullish?30:25 - One message to takeaway from our conversation?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park.  He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Linkedin - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseasThumbnail Image From -

On this weeks episode we bring the focus back onto the momentum outlook of Gold and Silver. With us to provide his technical outlook on the explosive potential of Gold and Silver prices along with a corresponding macro outlook is Michael Oliver, The Founder & Chief Analyst of Momentum Structural Analysis. In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism. With all the uncertainty in the world, the entire physical deposits of gold and silver have been entirely emptied - Michael's prediction about the price of gold and silver on where it's heading over the next few years will shock you. --- Send in a voice message: https://podcasters.spotify.com/pod/show/newgenmindset/message

Wells Fargo has settled with OFAC for $30 million for sanctions violations that occurred during a seven-year period from 2008 to 2015. The violations stemmed from its acquisition of Wachovia Bank, which had a trade relationship with a European bank that conducted transactions involving sanctioned entities and individuals. Despite concerns raised internally, Wells Fargo failed to exercise caution or care in identifying and preventing such transactions. The case serves as a reminder of the importance of corporate culture of ethics and compliance. In this episode of Corruption, Crime, and Compliance, Michael Volkov takes a deeper dive into the issue and outlines the missteps that occurred; he also gives practical advice for companies to avoid the same mistakes. You'll hear him discuss these key ideas in this episode:Wells Fargo has a lengthy record of misconduct and failures to remediate. Its latest enforcement action involves a $30 million settlement with OFAC for sanctions violations that occurred from 2008 to 2015. These violations include three separate OFAC sanctions involving Iran, Sudan, and Syria.Wells Fargo provided the European bank with trade finance software that was customized and used to conduct transactions that involved sanctioned entities and individuals, despite concerns raised internally on several occasions.OFAC found that “Wells Fargo demonstrated reckless disregard for US sanctions requirements …and failed to exercise a minimal degree of caution or care in failing to identify and prevent such transactions for seven years after it acquired Wachovia…”Wells Fargo's conduct highlights the importance of corporate culture of ethics and compliance.Companies must have proper oversight when pursuing new business opportunities or preserving existing business relationships, and must promptly investigate and address sanctions compliance risks when raised internally, even in non-core business lines.Comprehensive due diligence regarding potential sanctions risks is necessary when one entity acquires another through merger or acquisition.Aside from this part of Wells Fargo's operations, the overall bank had a strong sanctions compliance program.If Wells Fargo had invested in a culture of compliance, it could have turned around its organization with wholesale change and a real commitment to embedding, monitoring, and remediating its culture as needed.The case serves as a reminder that companies must have a speak-up culture and respond to concerns as they are raised, as well as the importance of corporate culture, ethics, and compliance.KEY QUOTES:"If Wells Fargo had reduced its outside legal consulting and professional expenditures by half and took the money to invest and implement a culture of compliance, you can rest assured that Wells Fargo would be able to turn around its organization." - Michael Volkov"Moreover, when sanctions compliance risks are raised internally, including concerns arising from smaller, non-core business lines, companies should promptly seek to thoroughly investigate and address those risks." - Michael Volkov"Wells Fargo's conduct here, when exposed and considered, is not just inexplicable, but reminds all of us on the importance of corporate culture of ethics and compliance." - Michael VolkovResources:Michael Volkov on LinkedIn | TwitterThe Volkov Law Group

Tom welcomes Michael Oliver back from Momentum Structural Analysis. Michael discusses where we are in the bear market and how much longer it could last. He believes the next lows will set the tone for the bear market. Continued weakness in the Nasdaq is very bearish for broader equities, and since last June, there has been a lot of sideways chop in the S&P. A sell-off after the next high is certainly a possibility, and we should expect more volatility in markets this year. The opposite is true of silver and gold, as the Fed is likely to become concerned about problems in the financial sector. Janet Yellen has commented on the lack of liquidity in the bond markets, and though 30-year bonds are in rally mode, Michael is skeptical that rates have peaked. A decline in bonds with rising yields seems likely. There is also pressure on the Fed which could lead to its demise in a few years. We've seen a lot of paper assets decline in the past year, while gold and commodities have held up well. Consumer credit is skyrocketing, along with persistent inflation that is hitting families hard. Repossessions and mortgage failures are likely. If there is a new wave up in commodities, it will only further erode confidence in our leaders. Silver's spread has broken out and is doing quite well in percentage terms; Michael compares gold's historic moves with today's, noting historically it's not unusual for gold to have eight-fold moves in a few years. He thinks the same could happen with silver and doesn't rule out $200 silver. He believes Bitcoin has been beaten up enough and will move sideways for some time. Uranium has also been holding up well compared with pullbacks in oil and natural gas. Time Stamp References:0:00 - Introduction0:30 - Bear Market Thoughts5:45 - S&P, Gold & Silver7:50 - Rate Hikes & Fed12:08 - Dollar Confidence14:50 - Fed's Options & Impact20:53 - Inflation & Commodities28:38 - Blame The Fed?34:23 - Energy & Investors37:28 - Gold Strength & Silver45:10 - Bitcoin Reliability48:32 - Thoughts on Uranium51:02 - Expect a Volatile 202352:35 - Wrap Up Talking Points From This Episode The bear market and how much longer it could last.Gold and silver have been performing opposite to the bear market.An eight-fold move in gold is possible and has occurred historically.The Fed could soon reach a confidence crisis when its policies fail to work. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism. __ In this episode, Michael starts by talking about his formative years and what inspired him to become an author, researcher, and momentum structural analyst.  Michael then talks about his time working under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. He shares memorable highlights from this professional working experience.  Michael then talks about his book “The New Libertarianism: Anarcho-Capitalism” and what sparked his motivation to write it. The book helps educates people about Libertarianism and limited government principles.   Matt explains his investing analysis techniques and how investors can better predict the future of the market, keep their emotions out play make intelligent decisions.  Michael talks about why Canadian Billionaire, Eric Sprott, highly-respects his technical analysis skills. Michael says that all structural momentum is pointing to the sky for gold, silver, and the miners for 2023. However, Michael is most bullish on Silver and believes Silver will outperform gold.  Michael speaks about the most influential books that he has read over his life that he thinks hold great value for investors.  As Michael has worked with many high-profile investors, he explains what separates a good investor from a great investor. Lastly, Michael provides his definition of greatness and what it means to him. __ Host: Ben Mumme Twitter Medium YouTube Instagram LinkedIn __ Guest: Michael Oliver Website Twitter Amazon Book __ Let's Connect

Interview recorded - 22nd of October, 2022On todays episode of the WTFinance Podcast I had the pleasure of speaking with Michael Oliver, Founder of Momentum Structural Analysis.During the interview we talked about Michael's investment strategy, the challenges the markets are currently experiencing, how precious metals may replace bonds as the safe haven asset in the US and potential for a continued strong US Dollar for the near future. I hope you enjoy!0:00 - Introduction0:20 - Michael's investment strategy and flaws in traditional analysis5:21 - What is currently happening in the markets?9:45 - Commodity inflation 18:05 - Precious metals replacing bonds at safe haven assets in the US21:05 - How will increased volatility effect momentum investing?25:05-  Any other assets other than commodities to watch?30:50 - One message to take away from interview?J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park.  He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX.In the 1980s Mike began to develop his own momentum-based method of technical analysis.  He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth.In 1987 Mike technically anticipated and caught the Crash.  It was then that he decided to develop his structural momentum tools into a full analytic methodology.In 1992 the Financial VP and head of Wachovia Bank's Trust  Department asked Mike to provide soft dollar research to Wachovia.  Within a year, Mike shifted from brokerage to full-time technical research.  He is also the author of The New Libertarianism: Anarcho-Capitalism.Michael Oliver - Website - https://www.olivermsa.com/Twitter - https://twitter.com/Oliver_MSAWTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4Linkedin - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

J. Michael (Mike) Oliver, CEO, Momentum Structural Analysis, entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism. Website: https://www.olivermsa.com/ --- Support this podcast: https://anchor.fm/john-aidan-byrne0/support

Bill McDermott started out as the “repo man” as part of Wachovia Bank's management training program before moving to Atlanta to work for Peachtree Bank, which later became SunTrust. There, he distinguished himself as a great producer of loans and deposits for the bank, climbing the ranks to ultimately become a Group Vice President in the Commercial Banking division. Bill combined his sales success from his banking/insurance experience with his deep financial/analytical skills and launched The Profitability Coach in April 2009. His purpose quickly became “making business owners better financial managers”. You can learn more about Bill and his programs by checking out his website: https://theprofitabilitycoach.net/ or email Bill directly at bill@theprofitabilitycoach.net ******************************************** Want to learn how to attract, hire, and retain top-tier employees? Interested in learning how to scale your business to increase revenue and profit while working less? Then join my Business Success Mastermind group. A new cohort is starting. Now accepting applications: https://ib4e-coaching.com/mastermind ******************************************** Please support this podcast: https://ib4e-coaching.com/podinfo #leadership #leadershipcoaching #business #success #billmcdermott #theprofitabilitycoach ******************************************** If you like this podcast, consider supporting the effort. Every little bit helps. Thanks.

Tom welcomes Michael Oliver back from Momentum Structural Analysis. So many people assume gold isn't doing well, but gold is normally poorly correlated with commodities. Gold tends to have much longer bull markets. Commodities tend to chase gold. Major asset managers around the world are telling investors to focus on the value of money because central banks are creating inflation. Gold is reflecting the decline in the value of dollars, it's a good hedge against monetary degradation. Micheal is convinced that we are in a counter trend rally within a bear market. The trend down will resume. Gold is not breaking down, instead, it's in a quiet accumulation phase. The largest stock market bubble in U.S. history is breaking Most bear markets with U.S. equities are gradual and don't suddenly drop. The 1987 crash and crash of March 2020 didn't lead to a bear market, but quickly rallied higher. It can take a couple of years for a bear market to play out and reach a bottom. Gold outperformed equities from 2008 to 2011. Gold is looking quite favorable. Michael explains the importance of momentum, as it is more useful than just evaluating price structure. He breaks down his thoughts on silver and how it compares with gold. A ceiling has formed on the momentum chart and should we punch through that then we may begin to outperform gold. Silver may lead gold to the upside. The assumptions today about dollar strength may be misguided. He notes that a breakdown in the dollar could catch many investors surprised. Michael believes the idea of a global reserve currency is rapidly on its way out. It will be replaced by several currencies, and probably some of will become gold backed. He doesn't believe the risk reward ratio with crude or natural gas is good at the moment. We've had a good run with both, but we need to see momentum hold support for a while. Natural gas has been a leader, but it may not be the place to be at the moment. Having exposure to European markets may be a different scenario. Time Stamp References:0:00 - Introduction0:43 - Commodities & Gold13:57 - Timeframes & Analysis16:07 - Gold During Panics28:44 - Momentum Vs. Price34:22 - Silver Outlook43:55 - Dollar Trends52:14 - Crude & Natural Gas1:02:39 - Wrap Up Talking Points From This Episode Why gold does not correlate well with the other commodities.The current counter trend rally and why the bear market will resume.Importance of momentum indicators over just price.Outlook for silver, energy, the dollar and the future of currencies. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992, the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Rod Brown is a serial entrepreneur who has co-founded three companies, over the past decade, that were all bootstrapped and all grew from zero to 7 figures.  The software company OnceLogix, landed on the Inc. 5000 list in 2016, 2017, 2018, 2019, 2020 and The Forbes Small Giants list in 2017.   Born in the small coastal city of Wilmington, N.C., Brown worked in the financial services industry. Upon graduating with a B.A. in Information Systems from Winston-Salem State University, he began working at Wachovia Bank, which is now a part of the Wells Fargo Company. He began at Wachovia, working in the bank's Operations Division, in which he led several Cash Management Services groups. He left Wachovia as a Vice President in its Wealth Management Division, as a Financial Advisor to co-found his own company.   Brown co-founded the software company OnceLogix, LLC in 2005 with Trinity Manning and Ty McLaughlin. As a result, they developed Sharenote.com (www.sharenote.com), a fast-growing, web based tool used by behavioral healthcare companies in the Southeast. What started out as a tool to help Behavioral Healthcare Clinicians manage notes about their patients is becoming a sought-after Practice Management tool for behavioral healthcare firms. After seeing the success of ShareNote.com, Brown and his partners are aiming to expand the business to help offer a more streamlined management system for a host of business professions and their respective industries.   Brown has recently ventured into the logistics and transportation business by Greenwood Logistic Solutions, LLC. This company has plans to disrupt transportation and logistics, while building this driver centric brand.    Brown travels the country training and coaching in the areas of entrepreneurship and Leadership. He most recently co-founded ‘The Small Business Cookout', a company dedicated to the advancement of minority and women owned businesses through education, skills development, cross pollination, relationship development.   He enjoys learning, his family, golf, and cycling. LINKS:https://www.instagram.com/rodericklbrown/ https://twitter.com/rodericklbrown

Chris McComish has over 35 years of financial service experience, providing executive leadership to consumer banking, commercial banking, and wealth management businesses. He has a strong track record of driving growth and transformation while enhancing both digital and human customer engagement.Prior to becoming CEO at S&T, Chris served as senior executive vice president of TCF Bank, leading all consumer banking lines of business as well as business banking and wealth management. Prior to TCF, he served as president and CEO of Scottrade Bank, the banking subsidiary of Scottrade Financial Services, Inc. In addition, he served as the head of personal banking and then as chief operating officer for personal and commercial banking at BMO Harris Bank. He began his career at Wachovia Bank, where he spent over 20 years in various regional and line of business leadership roles.Chris earned his bachelor's degree in international economics from Ohio Wesleyan University.

Tom welcomes Michael Oliver back from Momentum Structural Analysis. Michael notes that gold has not participated in the recent volatility and instead front ran most other commodities. He discusses the recent activity of markets and the impact on gold. Michael discusses his call from October 2020 for a commodity explosion and how that played out. Commodities will have occasional pullbacks but but we in a new long-term bull market. He discusses the crude market and how it was already moving late last year before Ukraine occurred. Crude could get quite volatile from here. Natural Gas broke out last year which signaled a major shift in markets. It may be at a fairly low-risk entry point and seems overdue to catch up. Silver woke up in the summer of 2020 taking out a ceiling it had built. After that momentum cooled off with the price entering a trading range. Should we close out on the weekly above 26.50 you can expect a rapid breakout. Should gold ever move to $8000 then silver would be around $200. Silver has not collapsed but has bored everyone. Michael discusses how the dollar index isn't an index. Movements in the dollar index don't directly relate to the dollar. The DXY is heavily weighted toward the Euro which reduces its usefulness. Try comparing currencies directly instead of relying on the weighted metrics of the DXY index. They expect the commodity-based currencies to do well, particularly the Australian and Canadian dollars. Stock markets and gold are currently inversely related, and the Fed is going to have to be careful. They want to raise rates so they can pull back once again. The next leg down for stocks will likely mean a new leg up for gold. Michael would not be surprised if the Fed is out of business inside of four years. Time Stamp References:0:00 - Introduction0:52 - Recent Volatility5:25 - Commodity Explosion13:04 - Momentum & Support22:18 - Sugar Outlook24:50 - Silver Lagging32:59 - Weekly Gold Sentiment38:12 - DXY, the Dollar, & Gold42:29 - AUD, CAD & Commodities42:59 - Stock Markets & Gold48:34 - Institutional Moves52:12 - Gold & Bitcoin55:07 - Wrap Up Talking Points From This Episode Momentum and calling the breakout in commodities.Energy markets and why we can expect volatility in crude.Thoughts on silver and why gold does not correlate well with DXY.Current inverse relationship between equity markets and gold. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Local Investment Legend Series, featuring Steve Smith, former rocket scientist who successfully made the transition to investment management by having a clearly established, well-understood, and universally agreed upon goal for achieving a mission, whether helping people land on the moon or finding companies that will grow faster than expected while combining the efficiency of technology and wisdom of human experience. Hear who inspired Steve's life and career and why he is so excited about the future of our industry.  After Steve's time at NASA, he began his investment management career as a portfolio manager with Wachovia Bank. He ultimately joined the predecessor to Bank of America, where he held a variety of senior investment management positions. Steve was then involved in an academic study in the late 70s at the University of North Carolina, seeking to determine which components of a company generated positive excess returns. It was on these principles that Steve founded Smith Group, and more than 20 years later, it continues to apply them consistently to their portfolios.  Steve earned a B.S. in Industrial Engineering and MBA from the University of Alabama, was awarded the CFA designation, is a member of the CFA Institute and serves on the CFA DFW Strategic Advisory Board. An avid outdoorsman with skiing being the activity I remember the most, Steve's love for the outdoors has led him to volunteer for several nature-oriented non-profits, including Groundwork Dallas, Audubon Texas, and the Trinity Coalition, where he currently serves as Board Chairman.  Disclaimer: All podcast discussions represent only the views and opinions of the host and guests. This podcast in no way constitutes investment advice and is not an offer to buy or sell any products or services. 

Paul is joined by Sarthak Patnaik, CEO of Creative Xchange to talk about music and how it has shaped his life, how he got into the music industry and why he wants to help artists. KEY TAKEAWAYS I'm a computer science engineer. I learned computer science by using it as a tool to solve a problem. Music happens to be one industry where this can happen. There was a big problem in the music industry is that there's not a fair chance to make a living as an artist, despite being trained in the profession, unlike a plumber. I use my tools to solve this. Sound and smell are two powerful reminders of times we've gone through, I clearly associate times of my life with songs, for example, Lady Antebellum when I was in New York and those things are associated with Lady Antebellum. All the emotions of working during the great recession, the sadness and joy are associated with that. What we see in the world right now, with digital tools, there's nothing like that for musicians and that's what we're trying to solve, how you fundamentally address the problem of making a living as a musician and sell what you create If you stay away from the problem, you stay shielded from the problem and you're shielded from what the problem is. There shouldn't be a ‘top' and ‘bottom' of talent, everyone should be able to exist in the middle ground, it's a lovely place to be for people to share and evolve creatively. BEST MOMENTS ‘I started listening to country music for the sheer pleasure of the lyrics, this brought me to ballads, then rock and metal and now I listen to everything. Music is still evolving.' ‘Bob Dylan is a favourite of mine, Blood On The Tracks is a heartbreak album and my favourite.' ‘Anyone can sing.' ‘We relentlessly try to create opportunities for musicians.' VALUABLE RESOURCES Paul's Story: Emerging From The Forest (UK): https://www.amazon.co.uk/Emerging-Forest-Pain-Purpose-Mastering/dp/1719373272 Paul's Story: Emerging From The Forest (USA): https://www.amazon.com/Emerging-Forest-Pain-Purpose-Mastering/dp/1719373272 Mastering The Game Of Life Book (UK): https://www.amazon.co.uk/Mastering-Game-Life-Paul-Lowe/dp/1782227679 Mastering The Game Of Life Book (USA): https://www.amazon.com/Mastering-Game-Life-Paul-Lowe/dp/1782227679 Speaking From Our Hearts Books: Volumes 1-3 (Available on Amazon) World Game-Changers Group ABOUT THE GUEST Sarthak Patnaik is reinventing music industry by automating booking & promotion and bringing real ROI for events by booking bands and musicians. Background in strategic Business oriented IT in the areas of IT Strategy, IT Transformation, IT Governance and IT Portfolio Management. Sarthak is an MBA from a top European University and uses a structured analytical collaborative approach to problem solving. Worked with Fortune 500 companies like Morgan Stanley, Citigroup, Wells Fargo, PwC, Nokia, Wachovia Bank, CapitalOne on IT transformation and post merger integration projects. Specialties: IT Strategy, Post Merger Integration, Governance, Portfolio Management, Transformation, Budget & Financials, Quality Management, Project Management. Worked with multiple vendors like Fiserv(Payment Solutions), Metavante(Payment Solutions), Unica (Marketing Campaign), Autonomy (Search) and outsourcing vendors like TCS, Infosys, Wipro. Industry Knowledge: Banking, Banking and Financial regulations, Investment Vehicles like Commodities, FOREX, Securities, ETF's and trading methodologies like Technical and Fundamental analysis. Written 2 books for books24x7.com Website:https://www.creativexchange.io/ ABOUT THE HOST Paul has made a remarkable transformation from existing for many years in dark, desperate despair; to now living a really healthy, happy and fulfilling life. From an early age, he was in the vice-like clutches of the demon drink and constantly embroiled within a dark cocktail of toxic beliefs, self-hate and destructive violence. Along with his empathetic and dedicated team of world-class coaches and mentors, Paul's purpose is deeply transformational: Creating New Life Stories… He is extremely passionate about helping others to find their purpose, have a voice and ultimately, make a real difference.   This has been built on a long and distinguished history of heart-centred coaching and mentoring.  He has also been responsible for raising significant amounts of funds for many charities and good causes around the world; positively impacting and inspiring thousands of children – mainly from challenging backgrounds – within the UK & worldwide. Through this World Game-Changers podcast and books, he has been involved in – including being a best-selling co-author – Paul also helps others to get their own inspirational messages and stories out into the world; as well as offering support to many charitable organisations, in their development & fund-raising. CONTACT METHODS Tel: +44 (0) 7958 042 155 E-mail: Paul@Paul-Lowe.com Web: https://www.Paul-Lowe.com Web: https://www.worldgamechangers.org/ Facebook: https://www.facebook.com/IamPaulLowe/ LinkedIn: https://www.linkedin.com/in/paul-d-lowe-7a78332a/ See omnystudio.com/listener for privacy information.

J. Michael (Mike) Oliver, CEO, Momentum Structural Analysis, entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism. Website: https://www.olivermsa.com/ --- Support this podcast: https://anchor.fm/john-aidan-byrne0/support

Tom welcomes Michael Oliver back from Momentum Structural Analysis. Michael believes the movement in gold last week was just the start of another bull run. Silver is in a similar pattern to gold but needs to reach $25.37 on a weekly close to trigger a move higher. The thirty-year treasuries are the most illiquid and are behaving like gold. These bonds are also the least influenced by the Feds' actions. There seems to be some money moving to safer assets. Eventually silver will outperform gold. Michael feels we are in a topping pattern for the markets. He details some specific targets on the downside which if reached would break long-term structures. The markets can't afford a drop beyond a few percent. These momentum structures are likely to be resolved next year. He questions what central banks will do the next time debt structures begin to break down. They are caught in a historic dilemma. We are heading toward a 1970s style stagflation but this time there won't be a way out. At the end of the next crisis, we will have to start over. Hopefully, we end up with a new period of stable currencies with a new gold backing. This will be a traumatic period but also one of healing. He particularly likes natural gas and suggests that it can go as high as nine dollars this winter. These high prices will affect everything that industry produces including fertilizer production. Live cattle prices are just now breaking upwards and this is going to impact meat prices. We're going to see gyrations between inflation and deflation that will surprise most economists. Time Stamp References:0:00 - Intro0:32 - Gold & Silver Upturn?4:56 - Treasuries & Gold8:10 - Markets & Topping15:08 - Will Rates Rise?17:02 - Bitcoin Vs. Gold19:06 - 1970s Stagflation21:42 - Currency Replacements22:41 - Commodity Issues & Energy26:37 - Energy & Recession27:26 - Technicals & Time31:25 - A Flawed Yardstick34:44 - Momentum Structures36:48 - Metal Proxies & GDX39:08 - Wrap Up Talking Points From This Episode Current market conditons and potential for the metals.Inflation expectations and Feds responseCommodity markets and energy's effect on them. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report Email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical analysis. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Do you know what is in what we are feeding ourselves, and our children? In today's episode, we're talking with Sterling Cook, the CEO of Green Compass Global and a proponent for the North Carolina Hemp Pilot program. Sterling has always had a passion for agriculture which led him to uncover the truth about the number of chemicals that are used in agriculture fields across the US. Tune in to learn why Sterling takes pride in Green Compass Global growing and formulating completely USDA organic hemp and CBD products​, along with what you need to know and look for before going to the grocery store to keep your family safe from toxic chemicals.   In This Episode: [05:00] Growing up in the largest growing region for tobacco influenced Sterling.  [09:00] North Carolina market has changed due to importing goods from other markets. [12:00] Are farmers actually getting sicker because of the chemicals they are using on their crops? [18:40] Why Sterling only buys products that have USDA organic labels. [20:35] What does the USDA organic label mean for hemp products? [24:00] What does it mean to grow organic products?  [26:00] Are all the ingredients that go into Green Compass Global's products organic?    Key Takeaways: Oftentimes, we don't know where our food is truly coming from. Many farmers end up with cancer and different types of blood diseases that may be linked to chemicals used in their fields.  Consumers need to be educated about what healthy produce looks like.  Growing organic products starts with land that must be chemical-free for three to five years before growing anything.   Bio:  Sterling brings a diverse background in various leadership roles within the agriculture and financial services sectors. His most current role was that of chief restructuring officer for one of the largest sweet potato distributors in the world. He also spent six years as CFO in the produce industry, assessing organizational performance and guiding long-term strategy. Sterling has extensive knowledge in the areas of financial reporting and analysis, risk management and business development, human resources, accounting and administration, and overseeing a large-scale corporate farm operation. He's also held various positions with Wachovia Bank, Citi Smith Barney, Morgan Stanley Smith Barney, and Wells Fargo Advisors.   Sterling has been a proponent for the North Carolina Hemp Pilot program since its inception and is excited about the future of what hemp will bring to the state. He is a graduate of the University of North Carolina at Wilmington and also holds a North Carolina Real Estate License. He enjoys being active in both his local business and alumni communities.

Just as there are no two recipes that contain the exact same ingredients or measurements, there are no two success stories exactly the same. Recipe For Success features entrepreneurs, visionary leaders and innovators of all ages who will share their ingredients that make them successful – personally and professionally. Let's get cooking! Ms. Debra Vasilopoulos is the Market President of IBERIABANK, a Division of First Horizon Bank. She is responsible for directing the Private Client, Commercial Banking, Retail/Small Business Banking segments within the South Florida region. A recognized leader with over 30 years of experience in Private Wealth management; Debra is known for her exceptional business acumen and passion for building high performing teams that deliver profitable results. Prior to joining IBERIABANK, she was the Regional President of Sabadell Bank & Trust where she led Private and Commercial Banking services for South Florida. Prior to Sabadell Bank & Trust, she was a founding member of Lydian Bank & Trust, a boutique wealth management firm located on the Island of Palm Beach. In her leadership role at Lydian, Debra led the performance and strategic delivery of the bank’s unique services, achieving market-leading business growth in Palm Beach County. Prior to Lydian, Ms. Vasilopoulos served as the Regional Lending Director and Senior Vice President of OffitBank, a wholly-owned subsidiary of Wachovia Bank. A strong advocate for supporting organizations that bring meaningful change, Debra maintains active involvement in community service organizations. Currently, she serves as an officer on the Board of Trustees for the Town of Palm Beach United Way, and a Trustee/Board Member for the Town of Palm Beach Chamber of Commerce Ms. Vasilopoulos attended Lowell University, College of Financial Planning, and received formal credit training through OMEGA. Originally from Massachusetts, Debra resides in Tequesta, and is located in IBERIABANK’s Palm Beach office. For more information about First Horizon Bank, visit https://www.firsthorizon.com/. For more information about Junior Achievement of South Florida, visit https://www.jasouthflorida.org. Follow us on social media: Facebook: https://www.facebook.com/jasouthflorida LinkedIn: https://www.linkedin.com/company/junior-achievement-of-south-florida/ Instagram: https://www.instagram.com/jasouthflorida Twitter: https://twitter.com/JASouthFlorida

When it comes to representation in the workplace, specifically in financial services, it’s important to elevate diverse voices, to listen intently to their experiences, in order to invoke change for the future. In this episode, Christine Shaw speaks with Danielle Burns, vice president, head of business development at CNote. Danielle shares the important work that CNote does to elevate and amplify the voices of women and people of color in financial services, and shares why it is both her professional and personal passion to ensure that Black women are accurately represented at the table and in the diversity and inclusion conversation. In this episode, you will learn:How Danielle first met Christine through social media — and how she called on InvestmentNews to further improve their diversity practicesThe importance to elevate the voices of women of color, listen and take actionHow stepping outside of her comfort zone allowed Danielle to make an impactWhy being intentional is the best way to create a diverse and inclusive environment And more!Tune in to hear from Danielle Burns, vice president, head of business development at CNote, as she shares her mission to elevate the voices and experience of women and people of color in financial services.Resources: InvestmentNews | Christine Shaw | CNote | Danielle BurnsGuest bio: Danielle M. Burns MBA, AIF is Vice President, Head of Business Development for CNote. Prior to joining CNote, Danielle worked for First Affirmative Financial Network in a variety of Business Development roles from 2004 to 2019 most recently serving as Vice President of Sales and Marketing where she worked with a highly collaborative team that was responsible for the growth and profitability of the firm’s distribution channels. Danielle participated in all aspects of the sales and marketing process, attended and spoke at industry events and educated advisors on how to navigate the Sustainable, Responsible, Impact (SRI) investing and ESG landscape. Her background emphasizes business strategy and consulting and executing integrated campaigns, marketing communications, product launch and system development. Danielle began her financial services career in 1994 with Wachovia Corporation where she worked for both Wachovia Bank and Wachovia Securities performing a variety of management duties over her nine-year tenure. Danielle serves on the board of Green America, a not-for-profit membership organization founded in 1982, whose mission is to harness economic power to create a socially just and environmentally sustainable society. Additionally, Danielle serves on the SRI Conference & Community Advisory Board. The SRI Conference & Community is the longest running gathering of asset managers, financial advisors, researchers, academics, mission-driven organizations who share the common goal of deploying private capital to address some of our most pressing environmental, social, and economic challenges.Danielle is a certified trainer for Walking on the Glass Floor which promotes Diversity and Inclusion for Women in Leadership and is passionate about working to narrow the wealth gap and create investment and economic inclusion for all. Danielle holds an MBA with an emphasis in marketing and the AIF® designation.

When it comes to representation in the workplace, specifically in financial services, it’s important to elevate diverse voices, to listen intently to their experiences, in order to invoke change for the future. In this episode, Christine Shaw speaks with Danielle Burns, vice president, head of business development at CNote. Danielle shares the important work that CNote does to elevate and amplify the voices of women and people of color in financial services, and shares why it is both her professional and personal passion to ensure that Black women are accurately represented at the table and in the diversity and inclusion conversation. In this episode, you will learn:How Danielle first met Christine through social media — and how she called on InvestmentNews to further improve their diversity practicesThe importance to elevate the voices of women of color, listen and take actionHow stepping outside of her comfort zone allowed Danielle to make an impactWhy being intentional is the best way to create a diverse and inclusive environment And more!Tune in to hear from Danielle Burns, vice president, head of business development at CNote, as she shares her mission to elevate the voices and experience of women and people of color in financial services.Resources: InvestmentNews | Christine Shaw | CNote | Danielle BurnsGuest bio: Danielle M. Burns MBA, AIF is Vice President, Head of Business Development for CNote. Prior to joining CNote, Danielle worked for First Affirmative Financial Network in a variety of Business Development roles from 2004 to 2019 most recently serving as Vice President of Sales and Marketing where she worked with a highly collaborative team that was responsible for the growth and profitability of the firm’s distribution channels. Danielle participated in all aspects of the sales and marketing process, attended and spoke at industry events and educated advisors on how to navigate the Sustainable, Responsible, Impact (SRI) investing and ESG landscape. Her background emphasizes business strategy and consulting and executing integrated campaigns, marketing communications, product launch and system development. Danielle began her financial services career in 1994 with Wachovia Corporation where she worked for both Wachovia Bank and Wachovia Securities performing a variety of management duties over her nine-year tenure. Danielle serves on the board of Green America, a not-for-profit membership organization founded in 1982, whose mission is to harness economic power to create a socially just and environmentally sustainable society. Additionally, Danielle serves on the SRI Conference & Community Advisory Board. The SRI Conference & Community is the longest running gathering of asset managers, financial advisors, researchers, academics, mission-driven organizations who share the common goal of deploying private capital to address some of our most pressing environmental, social, and economic challenges.Danielle is a certified trainer for Walking on the Glass Floor which promotes Diversity and Inclusion for Women in Leadership and is passionate about working to narrow the wealth gap and create investment and economic inclusion for all. Danielle holds an MBA with an emphasis in marketing and the AIF® designation.

Tom welcomes back Michael Oliver from Momentum Structural Analysis. He discusses past markets and how in the 1976 period, investors moved into commodities and stocks went sideways. Today, we are entering a similar period as most commodities have had long basing periods and are now turning upwards. This move seems to be caused by the expansion of the money supply and monetary policy. Since mid-2018, gold has gone from $1160 to $2000 and has done so without the help of weak stock markets. Now the dollar is turning downwards while markets are at highs. Big investors seem to be moving assets into different sectors, and soon we may see a violent rebalancing. He discusses how silver broke one of their momentum oscillators in July and, afterward, moved rapidly to near $30. He expects gold to do something very similar soon. This next move could easily be eightfold, and silver is now poised to outperform gold. Major annual momentum shifts and macro factors are now spreading to the daily news. This chaos seemed baked into the cake a year ago. Michael cautions that the most delusional trend is the US stock market, and there are times when the Fed backs off, or the market collapses on its own regardless of Fed actions. Today, there are only five or six stocks that comprise 50% of the Nasdaq 100. It looks like a blow-off top that began this summer, maybe topping out. The dollar forecast is difficult to predict, but it usually follows the trend for some time. Michael outlines where treasuries may head and why we are entering a time of flight to safety. He says, "Many investor assumptions will be overturned this year." Time Stamp References:0:00 - Intro0:30 - Markets & T.A.4:37 - Violent Rebalancing8:00 - Gold 8x Forecast13:00 - Silvers 10x Potential15:10 - Momentum Vs. Price16:58 - Seasonality & Trends?17:47 - Timeline for Gold20:34 - Equity Crash Coming?23:50 - Mining Stocks26:18 - US Dollar Breakdown33:04 - Chart Indicators34:40 - Key Levels36:37 - Momentum & Methods37:47 - Wrap Up Talking Points From This Episode Commodity cycle shift.Gold and silver forecast.Macro Factors and Stock MarketsUS Dollar Index and the 88 level. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://tinyurl.com/y2roa7p5Free Report email: michaeloliver@olivermsa.com Email MSA above, and they will send you this week's report for free, which covers many of the topics from this interview. J. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his proprietary momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the Crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism.

Rashaun Williams is a man who knows how to make it happen. Growing up on the south side of Chicago with a mother on welfare and a father addicted to drugs, he only had one dream early on that he can remember, to make it out of the hood alive. At 13, he witnessed something that he's never gotten over, but it became the motivation to escape his circumstance. The trauma of those days, though, are never too far from his mind. Through therapy, he's found one question that helps him navigate the hard choices in life while making sure his emotions and his connection to something greater all remain in proper balance. The help of a mentor and a book his mother gave him, coupled with his fight to never go back, contributes to his success. He's also got a pretty funny story about applying to a scholarship for black women that screams, “I'm worth the investment.” And it's true. At 23, he is the Morehouse grad who became the youngest VP at Wachovia Bank and would go on to help bring in millions for his clients. Rashaun seems to have a gift for making a dollar out of 15 cents, but he’ll tell you it isn’t magic.

Rashaun Williams is a man who knows how to make it happen. Growing up on the south side of Chicago with a mother on welfare and a father addicted to drugs, he only had one dream early on that he can remember, to make it out of the hood alive. At 13, he witnessed something that he's never gotten over, but it became the motivation to escape his circumstance. The trauma of those days, though, are never too far from his mind. Through therapy, he's found one question that helps him navigate the hard choices in life while making sure his emotions and his connection to something greater all remain in proper balance. The help of a mentor and a book his mother gave him, coupled with his fight to never go back, contributes to his success. He's also got a pretty funny story about applying to a scholarship for black women that screams, “I'm worth the investment.” And it's true. At 23, he is the Morehouse grad who became the youngest VP at Wachovia Bank and would go on to help bring in millions for his clients. Rashaun seems to have a gift for making a dollar out of 15 cents, but he’ll tell you it isn’t magic.

Sam began his career in banking. He soon advanced as a high performing leader with First Union and Wachovia Bank, leading teams to record heights of production. Sam started a successful commercial banking and brokerage business he later sold to pursue a lifelong ambition to move west. Sam has been leading companies in business growth and development for decades. Sam currently acts as the VP Of Business Development for ToolCASE LLC a Denver based technology company that is emerging as one of the top real time analytics providers to the banking industry. Sam's professional drive is built on a relentless pursuit of physical and mental perseverance. Sam is also the founder of NOZERODAYS.COM an athlete collective and emerging lifestyle brand. A Speaker, Trainer, Coach and Athlete. Sam has over 30years of triathlon, Ironman and endurance racing. He recently completed a solo Ironman distance event above 10,000' above sea level and most likely to be first to have done so. https://www.linkedin.com/in/spiccolotti/ --- Support this podcast: https://anchor.fm/executiveathletes/support

Hondo Handy's Podcast has a conversation with Keith McCray, Wells Fargo Senior Business Risk & Control Associate, within Internal Audit Regulatory Relations. Keith shares his story from playing sports, as a youngster to playing at Indian River High School. He continued his baseball career at Delaware State University, where he received his B.S. in Business Administration and Marketing. He later earned his MBA from Wilmington University. His career has taken him to more then 20 countries. He has worked in the financial services industry for over 25 years. He has held numerous senior leadership positions at JPMorgan Chase & Company, TD Bank, N.A. , American International Group and Wachovia Bank, N.A. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app

Jon, Daniel, Shenise, and Michelle discuss recognizing our unconscious bias and being more conscious. Daniel Russell, National Director of Corporate Sales, Trion Solutions Daniel Russell is an experienced professional providing HR, benefits, and payroll services counsel to businesses of all sizes — ranging from small-business startups to Fortune 250 companies. In addition, he has an extensive background in the banking industry, previously serving as a Vice President for Wells Fargo Bank and Wachovia Bank. He is actively involved in the community, serving as a Director on several Boards — including Winning Futures, a youth-mentoring program in Southeastern Michigan; Hope Against Trafficking, local non-profit assisting victims of human trafficking; and, Covenant House Detroit, an organization for homeless youth in Detroit. Shenise N. Foote-Vann, Fundraising, and Event Professional Highly motivated, data-driven fundraising professional with experience working with educational and non-profit organizations. Shenise has demonstrated the ability to build rapport and genuine relationships with a diverse audience of people including but not limited to donors, board members, volunteers, and stakeholders. Shenise builds strong, strategic relationships that yield favorable results. She has proven successful in all phases of event management including sponsorship and fundraising, marketing, volunteer management, and execution with an emphasis on strategic planning. Shenise possesses strong and effective new and traditional communication skills. With her “round-table” leadership style, Shenise is a true team player with an innate ability to lead. She is a strong independent worker with a proven ability to meet aggressive goals and deadlines. Michelle Cantor, Owner, Volar Consulting For more than 20 years, Michelle Tenner Cantor has been a driver of thought leadership and strategic direction relative to organizational and talent development, including eight years of change management consulting with Fortune 500 companies, such as ComEd, Fiat Chrysler Automobiles N.A., Ford Motor Company and Dow Chemical Co. As Founder and President of Volar Consulting, LLC in metropolitan Detroit, Cantor has a demonstrated track record of designing and implementing successful Diversity and Inclusion programs, which integrate strategic planning, leadership coaching, and organizational culture development. She is the founder of Conscious Leadership? an interactive training experience that gets to the heart of understanding the power of unconscious biases and how we can both individually and collectively create a more inclusive and productive work environment. Connect with Jon Dwoskin: Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/thejondwoskinexperience/ Website: https://jondwoskin.com/LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com Get Jon’s Book: The Think Big Movement: Grow your business big. Very Big! Connect with Daniel Russell: Website: RelyOnTrion.com Twitter: @DanielRussellSr Instagram: DanielRussellSr Facebook: https://www.facebook.com/daniel.russell.5680?ref=bookmarks LinkedIn: https://www.linkedin.com/in/daniel-russell-sr-b6373627/ Connect with Shenise N. Foote-Vann: LinkedIn: https://www.linkedin.com/in/shenisefoote/ Connect with Michelle Cantor: Website: volarconsulting.com LinkedIn: www.linkedin.com/in/mtcantor

Tis the season for talk about elections and boy do we have that today. To lend some muscle to the conversation I have Nevin Adams with the American Retirement Association. We start at the top of the ticket as they say and discuss how who sits in the White House could impact retirement policy going forward, we hit on what that would mean to the priorities and focus of various government agencies, then we move to congress as a whole and hit on how influential races and committee leadership roles influence things. Finally, as we recorded this prior to the passing of Supreme Court Justice Ruth Bader Ginsburg, we have some written bonus content from Nevin you can find in the podcast notes in your podcast app about how a new Supreme Court justice could impact workplace retirement plans litigation. Check that out when you have a chance.    While you are there, if you have been enjoying the podcast please leave a review or comment. That goes a long way to help more people find the podcast, continue to grow our audience and help me bring you great content and guests like Nevin.    Bonus Question: Could a new Supreme Court Justice impact retirement litigation now or in the future? Bonus Answer: Unlike many issues that come before the court, there don't seem to be the same kind of partisan splits in retirement issue outcomes.  In fact, the most recent case - the Intel decision that set the "actual knowledge" standard for participant awareness of disclosures was UNANIMOUS.  The bottom line is that while every new justice brings a different experience and perspective to issues, but the impact of RBG's replacement is more likely to impact the legislative balance than it is the leaning of the Supreme Court.     That’s it, I hope you enjoy our conversation!   Guest Bio Nevin E. Adams, JD, is Chief of Content Officer for the American Retirement Association, where he is responsible for all marketing and communications for the organization, as well as its sister organizations, ASPPA, the American Society of Pension Professionals and Actuaries, the National Association of Plan Advisors (NAPA), the ASPPA College of Pension Actuaries (ACOPA), and the National Tax Sheltered Accounts Association (NTSA). Previously he was the Employee Benefit Research Institute’s Director of Education and External Relations, Co-Director of EBRI’s Center for Research on Retirement Income and Director of the American Savings Education Council, and prior to that spent a dozen years as Global Editor-in-Chief of PLANSPONSOR magazine and PLANSPONSOR.com, as well as PLANADVISER and PLANSPONSOR Europe magazines. He was the originator, creator, writer and publisher of PLANSPONSOR.com’s NewsDash. He began his retirement services career at Northern Trust in Chicago, where he later served in a variety of management roles, culminating in the development of a proprietary recordkeeping platform, and at Wachovia Bank, leading their defined contribution/recordkeeping businesses. He has been honored three times by the National Association of Government Defined Contribution Administrators (NAGDCA) with their Media Recognition Award (in 2002, 2004 and 2013), and has regularly been noted as one of the Most Influential People in Defined Contribution by the 401kWire. He graduated summa cum laude with a BS in Finance from DePaul University in Chicago, Illinois and after a number of years working with retirement plans, also received his JD from DePaul University.   401(k) Fridays Podcast Overview Struggling with a fiduciary issue, looking for strategies to improve employee retirement outcomes or curious about the impact of current events on your retirement plan? We've had conversations with retirement industry leaders to address these and other relevant topics! You can easily explore over 200 prior on-demand audio interviews here. Don't forget to subscribe as we release a new episode each Friday!

Borko Milosev is an active investor in Pennsylvania in the real estate market since 2003. Borko graduated from Moravian College in 2004 and is co-founder and managing member of Post Road Management, LLC. The company is a Bethlehem-based real estate investment and management company, which currently owns, manages, or asset manages over 16,500 residential units valued at over $1 billion throughout the United States. As an undergraduate at Moravian, he made his first real estate investment, acquiring a distressed single-family home in West Bethlehem. In the years since, his passion has been purchasing real estate, with focus on multi-family properties. He leads a team of 50 staff members, and at any given time Post Road Management employs up to 100 independent contractors working on multiple projects. Previously, from 2008 to 2012, Borko served as director at Iron Hound Management, Co., LCC, a boutique real estate advisory firm started by Robert Verrone ’90,. At the New York City firm, his focus was on commercial loan restructuring. Before Iron Hound, he worked in the real estate lending group of Wachovia Bank for four years. During his time at Wachovia, Borko was part of a team that originated and structured more than $2 billion of financing. A high school exchange student from Serbia, Milosev graduated summa cum laude with honors and a 4.0 GPA at Moravian, earning with a B.S. in mathematics, with a dual degree in financial economics. In addition, he participated in the College’s Amrhein Investment Club.

Tom welcomes Michael Oliver back to the show. Michael discusses his book on Anarcho-Capitalism, which focuses on educating readers in Libertarianism and limited government principles. He discusses their analysis techniques and how they keep emotion out of trading decisions. They successfully utilize their custom momentum indicators to determine future market direction. "We have a crisis coming based upon the distortions that have been built into political and economic systems over the decades… We've created a huge debt bubble… and if that ever comes unwound, then those errors will be exposed like a giant wound being opened." In March, the market crash came with a fictional story, but that does not reflect the underlying problem with markets and economies. This rally will likely falter in September and go back in the sewer, and this time we will enter a slow, excruciating bear market. Michael discusses the broader commodity markets and how they are similar to the late 1970s. During that time, stocks moved sideways for several years, and now commodities are the low-risk, good return place to be as Central Banks will continue printing. Michael discusses how the Fed has limited control over the longer-term end of the Treasury market. He discusses where he thinks treasuries and the stock market are going over the next year. The coming chaos will cause fundamental changes in monetary policy, and central banks are going away. There will be a reversion back to market forces and away from centralized banking structures. He discusses how silver will likely outperform gold over the next couple of years. Time Stamp References:0:45 - His book, philosophy, and his early career.6:20 - Debt and outlook for the US markets.13:00 - Anticipating market corrections.18:30 - Commodity performance.23:15 - Treasury bill expectations yield and rates.26:15 - Finding the buy signal.29:20 - Coming dramatic move for gold and silver.31:50 - Silvers top of the list potential.35:30 - Performance of miners and juniors. Talking Points From This Episode His book on the fundamentals of Libertarianism.Financial distortions are systemic.The market may falter in September.Why commodities are the place to be.Outlook for silver. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton's International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton's Commodity Division and Chairman of the COMEX. In the 1980s, Mike began to develop his momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, etc. In 1987 Mike technically anticipated and caught the crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism. Guest Links:Website: http://www.olivermsa.com/Twitter: https://twitter.com/Oliver_MSAAmazon Book: https://www.amazon.com/The-Libertarianism-Anarcho-Capitalism-Michael-Oliver/dp/1491068620

Tom welcomes a new guest, Michael Oliver, to the program. Michael discusses his early career back in the mid-70s when gold was legalized. At the time, he didn't know much about markets and technical analysis. He looked for opportunity and ended up apprenticing under David Johnston, who was Chairman of the Comex. Instead of focusing on price, he looks at long-term trends, which is important because price being based in fiat can be misleading. He says, "Today, we are in the hyper-space of money printing." Using price can be compared to building a house with a yard-stick that changes in length. Their focus is on the longer-term and not the day to day, they look for structure rather than short moves in momentum. Long-term momentum can enable an investor to see the pattern before it shows up in the price chart. He provides us with some of their charts for gold and silver that demonstrate these advantages. Currently, momentum charts are looking very bullish for gold and the larger view shows that we are nowhere near being overbought. He doesn't believe the markets are going up for much longer, as often a bear trend can take a few months to settle in, which is likely what we will see. He compares today's markets with the Nasdaq crash that started in 2000. Michael sees clear signs that Fed Chair Powell is in complete panic. Time Stamp References:0:35 - His early career and training.4:00 - Momentum methodology.11:30 - Momentum structuring and charts.18:00 - Silver momentum chart.27:20 - General equity second leg down.35:00 - Fed is very concerned.38:35 - GDX Outlook. Talking Points From This Episode Early career and examining momentum.There methodology and gold chart.Monthly momementum chart for silver.Fed is in complete panic.Expectations for the GDX. Michael Oliver entered the financial services industry in 1975 on the Futures side, joining E.F. Hutton’s International Commodity Division, headquartered in New York City's Battery Park. He studied under David Johnston, head of Hutton’s Commodity Division and Chairman of the COMEX. In the 1980s Mike began to develop his own momentum-based method of technical analysis. He learned early on that orthodox price chart technical analysis left many unanswered questions and too often deceived those who trusted in price chart breakouts, support/resistance, and so forth. In 1987 Mike technically anticipated and caught the crash. It was then that he decided to develop his structural momentum tools into a full analytic methodology. In 1992 the Financial VP and head of Wachovia Bank's Trust Department asked Mike to provide soft dollar research to Wachovia. Within a year, Mike shifted from brokerage to full-time technical research. He is also the author of The New Libertarianism: Anarcho-Capitalism. Guest Links:WebsiteTwitterAmazon Book

Dan Russell is an experienced professional providing HR, benefits and payroll services counsel to businesses of all sizes -- ranging from small - business startups to Fortune 250 companies. In addition, he has an extensive background in the banking industry, previously serving as a Vice President for Wells Fargo Bank and Wachovia Bank. He is actively involved in the community, serving as a Director on several boards -- including Winning Futures, a youth - mentoring program in Southeastern Michigan; Hope Against Trafficking, a local non-profit assisting victims human trafficking; and, Covenant House Detroit, an organization for homeless youth in Detroit.  Connect with Daniel Russell Website: www.relyontrion.com LinkedIn: https://www.linkedin.com/in/daniel-russell-sr-b6373627/ Twitter: @danielrussellsr Facebook: https://www.facebook.com/daniel.russell.5680 Connect with Jon Dwoskin:Website: http://jondwoskin.com/ Twitter: @jdwoskin Facebook: https://www.facebook.com/jonathan.dwoskin Instagram: https://www.instagram.com/Thejondwoskinexptberience/ LinkedIn: https://www.linkedin.com/in/jondwoskin/ Email: jon@jondwoskin.com

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Building and creating is a passion for Rich Lauletta, dating back to childhood, using scrap wood from his dad’s building sites to construct skateboard ramps. He leaped from ramps to real estate following the concept of ‘working to learn, not to earn’ in a book called “Rich Dad Poor Dad” by Robert Kiyosaki. Rich chose his first job after college at Wachovia Bank to gain the banking experience that would be most beneficial for his career path. He tested the waters of entrepreneurship by co-creating the Philly Apartment Company, providing renters with a cost-free way to find apartments and owners with services to market their properties. Rich shares his perspectives on private lenders, the BRRR strategy, portfolio lenders, accuracy in rehab budgets, post-renovation rents, and property management software. Rich continues to innovate, investing in other asset classes such as co-working spaces and partnering with a team to develop an app called Rentbucks.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Sharon Drew Morgen is an original thinker, thought leader, and author of several books, including the NYTimes Business Bestseller Selling with Integrity, and Dirty Little Secrets: why buyers can't buy and sellers can't sell and What? Did you really say what I think I heard?  She is the inventor of Buying Facilitation®, training 100,000 sales folks in global corporations such as IBM, KPMG, Wachovia Bank, Bose, Morgan Stanley, and Kaiser Permanente. Sharon Drew's work focuses on facilitating decision making using collaboration-based, win/win models, working with several industries including sales, healthcare, coaching, leadership, and management, as a coach, consultant, trainer, and speaker. Her award-winning blog www.sharondrewmorgen.com carries original articles on sales, listening, collaboration, leadership, and decision making. Also, make sure to check out this amazing article Do We Really Need Proposals? at the following link: http://sharondrewmorgen.com/do-we-really-need-proposals/ Please reach out if you have any feedback or questions. Enjoy!  tatsuya.n@castagra.com Twitter @TatsuyaNakagawa Instagram @tats_n LinkedIn Tatsuya Nakagawa YouTube Tats

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.  

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

Rev. Steve Kunkel is the pastor of St. Thomas the Apostle Parish in Phoenix, Arizona. Raised in an Army family, Fr. Kunkel graduated from FSU (Fayetteville State University) with a BS in Computer Science. After working for Wachovia Bank, he entered the seminary, studying at St. Meinrad Seminary, earning and MDiv. He was ordained for the Diocese of Phoenix in 2001 and has been pastor of Resurrection Parish in Tempe and Christ the King Parish in Mesa.

You’ll know it when Khaliah Guillory walks into a room. It’s a magical feeling that you have to see to understand. She lights up space with her bona fide, bountiful energy - the kind of energy you can feel from your head to your toes. When you meet her, you’ll understand why she’s won so many awards. When you hear her speak on stage, you’ll get why she’s been invited to so many events. She’s one in a million. Born Khaliah Oni Guillory (KOG), she worked her way from banker to a C-level executive.  While Vice President of Wachovia Bank, she served as one of the founding members of the Diversity Council, influencing positive change at the company. During this time, the organization saw a retention increase of approximately 35 percent due to her leadership. After leaving Corporate America, Khaliah’s phone started ringing off the hook and hasn’t stopped. She currently serves on Mayor Sylvester Turner’s LGBT Advisory Board, former board member ALS (amyotrophic lateral sclerosis) Association board, keynote speaker at the National Diversity Council and works with the Texas Diversity and Leadership Conference. During her career, Khaliah has inspired companies like Microsoft, Wells Fargo, Keller Williams, NASA and LinkedIn by bringing new thought leadership to the table. She is an energetic public speaker and a passionate promoter of diversity and inclusion. She believes that each employee can reach their greatest potential in a supportive and inclusive environment and has built training workshops to help companies increase productivity.  As the host for the Startup Master’s podcast on The Sphere Network and a contributing writer for Huffington Post, Khaliah shares her knowledge to help inspire others. She’s on a quest for nothing less than global human transformation by advocating for acceptance and respect, and distinction. www.kogpassion.com       Peeling Back the Layers of Your Life® Podcast Creator, Host, and Producer:  Loronda C. Giddens www.lorondacgiddens.com  

Recorded live at 610 ESPN Philadelphia on 11/18/18 w/ host Joseph Montgomery On this Episode of the EducationLawyers.com Sunday School Show we are talking - and learning - about motivation - all aspects of motivation. Why are we motivated to do the things we do - some good and some bad? Motivation is defined as the reason or reasons one has for acting or behaving in a particular way. Today we are exploring the reasons and rationales for our behaviors. When we think about motivation - maybe we only think getting up early and working hard - but motivation is so much more than that - motivation really is everything that drives our behaviors. Motivation is of course relevant to work but its also related to - Relationships - Health / mental health - Spirituality ... And everything else To consider and ultimately know what motivates us can help us discover through reverse engineering what brings meaning into our lives. That is what we will be considering on this episode with: John McGrail, PhD - John is a renowned hypnotherapist, personal success coach, spiritual teacher and a leading media expert on the topic of personal improvement. A former military officer, aviator and mass-media professional, he has combined more than 30 years of teaching, coaching and mentoring experience with his work in clinical hypnotherapy to create what he calls Synthesis, a powerful process for generating personal change and transformation quickly and profoundly.  Devoreaux Walton - Devoreaux Walton is a life success coach for women and founder of The Modern Lady where she empowers women to live their best life.  Nancy Cramer - Nancy Cramer is the founder of Correct Course Consulting, LLC, a firm that helps leaders and their teams manage their emotions, so they think more clearly, make better decisions, and take on bigger, bolder projects. Lori Whatley - Dr. Lori is a licensed marriage and family therapist specializing in relational connecting. As a researcher, her work largely focuses on the act of bringing people together...how we do, how we don't and the results at both ends of the comparative spectrum. Juliet Hall - Juliet Hall is a former 20-year corporate executive of two Fortune 500 companies, Wachovia Bank and the Chick-fil-A Support Center. Her diverse business, creative and service background includes consulting to franchisees of multi-million dollar restaurants, playwriting, and leading in community affairs. In 2016, Juliet transitioned from Corporate America to OWN YOUR OPPORTUNITIES™ (#OYO), an inspirational speaking and training platform that promotes leadership and engagement based on one’s unique area of giftedness.

Tina Wilkinson is chairperson of Solarize Dunwoody, an Earthkeeper in the United Methodist Church, and a member of the board of directors of Georgia Interfaith Power & Light. She was chosen as the City of Dunwoody’s Sustainability Hero for 2015 in recognition for her environmental activism in the Dunwoody community. She founded the organic garden program at Vanderlyn Elementary and the Creation Care team at Dunwoody UMC. She has two children, Ben & Anna, who are students at Dunwoody High School, and is married to Scott Wilkinson. Before leaving the workplace to stay home with her children, she worked for over ten years at Wachovia Bank in Winston-Salem, NC and Atlanta, GA, in their corporate banking unit. Solarize Guidebook - Department of Energy  This guidebook is intended to be a roadmap for project planners and solar advocates who want to create their own successful Solarize campaigns, a collective purchasing program to spur solar energy deployment in local communities. The guide describes the key elements of the Solarize Portland campaign and variations from projects across the country, along with lessons learned and planning templates.

In this episode of The Sassy Strategist Podcast, Kim Dawson interviews Mansi Singhal, Co-Founder of qplum, an online wealth management service. At qplum, Mansi is leading a team of 20+ engineers to package quantitative portfolio management solutions into a tangible online platform. She has over 10 years of experience in portfolio management. She was a portfolio manager at Brevan Howard in 2014. Prior to that, she was a trader at the swaps desk in Bank of America, Merrill Lynch and at the swaptions desk at Wachovia Bank. She completed Masters in Computer Science from University of Pennsylvania. She holds Series 3 and Series 65 certifications.  Mansi discusses: * Why you shouldn't take shortcuts in investing. * The importance of managing your money, because no one cares more about it than you do! * Leveraging your network, especially online. * The need for entrepreneurs to accept that "sub-optimal" decisions are part of the path. * To be "foolishly enthusiastic" or you'll never start.  

John Medlin retraces his steps to becoming the top Chief Operations Officer at Wachovia Bank. John Medlin also shares some of Wachovia's sacred business principles that earned the company great success in the banking industry.

John Medlin recalls the unexpected message left by one of the bank's greatest predecessors, after he became Wachovia CEO. John Medlin also shares how he expanded the company's banking business beyond the North Carolina borders.

Junior Johnson retires from racing to manage his own racecar company. His company, Junior Johnson and Associates, raced into NASCAR history by setting a number of winning records before Junior retired in 1995.