Podcasts about Wealth management

Episode Highlights:Why 2025 delivered strong returns across most asset classes — except cryptoBitcoin and Ethereum's negative YTD performance in contextKey technical breakdowns in Bitcoin using weekly and monthly trend modelsThe erosion of the “digital gold” narrative and rising equity correlationsWhy extreme fear isn't enough to signal a bottomMacro regime insights: inflation vs. growth sensitivity in BitcoinGold's resilience and role as a portfolio stabilizerHow Dantes Outlook's Bitcoin/Gold rotation strategy navigated the yearResearch & Data Sources:Market and on-chain data from GlassnodeInternal quantitative models from Dantes OutlookAcademic research on asset behavior across macro regimesHappy holidays from Dantes Outlook!Visit us at www.dantesoutlook.com

Firms that prioritize, listen, and align position themselves for better long-term outcomes. By Rory Henry CFP®, BFA™For CPA TrendlinesPhil Whitman, President and CEO of Whitman Advisory, works with hundreds of CPA firms and more than 230 strategic investors across private equity, family offices, wealth management aggregators, and publicly traded consolidators. He sees a profession undergoing unprecedented transformation, and Whitman has a front-row seat. In this episode of Holistic Guide to Wealth Management, Whitman shares his observations with me from his unique vantage point.   MORE Rory Henry and The Holistic Guide to Wealth Management BUY the Holistic Guide to Wealth Management Whitman points to 2021 as the inflection point for the profession's transition. That's when EisnerAmper became the first major CPA firm to accept private equity (PE) investment, followed shortly by Citrin and Cherry Bekaert. Those deals opened the gates for capital providers and ignited a wave of consolidation across firms of all sizes. The profession hasn't looked back since. Transaction activity has since accelerated, creating unprecedented competition for deals and pushing accounting firm valuations into territory the profession has never seen before.

Chris McCann of Blevins Franks International Tax and Wealth Management talks to Howard Brereton #Wealth #Tax #WealthManagement #Spain #Expat #Brexit

Oracle and Broadcom worries hit tech stocks. Jose Rasco, Chief Investment Officer at HSBC Global Private Banking and Wealth Management, breaks down the week's wild market action. BTIG's Robert Drbul gives his top consumer picks—and catalysts—for 2026. Growing speculation around a potential SpaceX IPO with Daniel Hanson of Neuberger Berman. Netskope CEO Sanjay Beri talks the company's first earnings report as a public company. Wells Fargo analyst Jason Kupferberg on the fintech setup heading into 2026. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Retirement used to mean slowing down. Now it can mean staying active, starting new projects, traveling more, and building a “second act” that’s actually fun. In this episode of The Road to Retirement, Steve Sedahl sits down with retirement planner Tripp Limehouse of Limehouse Financial to talk about what modern retirement really looks like—and what it takes to fund it. Want to learn more or schedule a conversation? Visit limehousefinancial.com or call 800-940-6979.See omnystudio.com/listener for privacy information.

In this week's episode, our experts discuss recent market activity, economic data delays due to the recent government shutdown, and the Federal Reserve's latest rate cut. The Fed's decision was marked by rare dissent, reflecting uncertainty about inflation and future policy direction, with only one rate cut projected for 2026. We analyze the implications for credit markets, the US dollar, and the evolving role of artificial intelligence in corporate strategy, noting shifts in tech stock performance and the importance of distinguishing winners and losers in the AI space. The conversation also draws parallels to past market bubbles, emphasizing the value of diversification and caution as the year ends. Be sure to review our 2026 Outlook: Managing Wealth in an Age of Massive Disruption and Profound Change to see what key themes we believe will most impact the economy in 2026.  Speakers:Brian Pietrangelo, Managing Director of Investment StrategyCynthia Honcharenko, Director of Fixed Income Portfolio ManagementGeorge Mateyo, Chief Investment OfficerRajeev Sharma, Head of Fixed IncomeStephen Hoedt, Head of Equities 01:27 - Recent market activity is discussed, including delays in economic data due to a government shutdown, updates on unemployment claims, and the job openings report. 03:26 - Cindy Honcharenko summarizes the Fed's decision to lower rates for the third time in 2025, the rare split vote among Committee members, and implications for inflation and the labor market.  08:10 - The panel analyzes the Fed's outlook, credit spreads, risk appetite, and the importance of understanding why the Fed is cutting rates. 13:29 - Discussion in recent trends in the US dollar, commodity prices, and the impact on corporate America.  15:45 - The panel covers the impact of AI on stock performance, recent news from Oracle and Broadcom, and the evolving tech landscape. Additional ResourcesRead: 2026 Outlook: Managing Wealth in an Age of Massive Disruption and Profound Change Rewatch: Key Wealth National Call: Managing Wealth in an Age of Disruption and Change Key QuestionsWeekly Investment BriefSubscribe to our Key Wealth Insights newsletterFollow us on LinkedIn 

La Fed lancia senza clamore una forma di Quantitative easing  che dà sostegno a tutta la curva dei rendimenti e indebolisce il dollaro. Riparte intanto la rotazione azionaria dall'AI al resto del mondo.

When it comes to securing your financial future, confidence and clarity make all the difference. Carnegie Private Wealth is a SouthPark-based wealth management firm, where Mary Ware and her team are proving that financial planning is about more than just numbers—it's about tailoring strategies to help clients live their best lives and reduce stress around their finances.  Named one of Forbes' Top Wealth Advisors and a Working Mother Top Wealth Advisor Mom, Mary brings more than expertise—she brings genuine care and a dedication to helping families and business owners navigate retirement, legacy planning, and changing markets. Today, she joins us in the studio to talk about building Carnegie Private Wealth from the ground up, her team's purpose-driven service, and what it means to help clients find lasting confidence in their financial journey. Mary, welcome to the program! 

Wealth management's A.I. adoption is something Justin Whitehead sees growing that includes a "narrative shift" coming in 2026. He talks about 2025 as the year of "internal function" for firms while the coming year will turn to expansion. Justin shares his point of view as a fintech firm CEO. ======== Schwab Network ========Empowering every investor and trader, every market day.Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – / schwabnetwork Follow us on Facebook – / schwabnetwork Follow us on LinkedIn - / schwab-network About Schwab Network - https://schwabnetwork.com/about

Welcome back to the Alt Goes Mainstream podcast.Today's episode dives into the nuances of enterprise software and how to build a scaled specialist alternative asset manager.We sat down in Vista's NYC office with David Breach, Vista's President and Chief Operating Officer.David sits on Vista's Executive Committee, the firm's governing and decision-making body for matters affecting its overall management and strategic direction as well as the firm's Private Equity Management and Vista's Private Equity Funds' Investment Committees. David is also the Co-CEO of VistaOne, Vista's evergreen private equity vehicle, and serves on the Investment Committee and Board of Directors. He also sits on the boards of Vista portfolio companies Jamf, Solera, and Stats Perform.David, who has been instrumental in helping the firm chart its growth path to over $100B in AUM, joined Vista in 2014 after as a career as a Partner at law firm Kirkland & Ellis, where his practice focused on the representation of private equity funds in all aspects of their business. David was a member of K&E's 15-person global executive management committee and a founding partner of its San Francisco office.David and I had a fascinating and thought-provoking conversation about private markets and Vista's evolution as a firm: How and why Vista has become a “scaled specialist.”The journey from $13B in AUM to $100B.The opportunity in enterprise software investing and how enterprise software is an expanding market opportunity.The reason why Vista decided to build out a dedicated wealth solutions business.How firms can differentiate in the wealth channel.How firms can be measured and thoughtful with how they build evergreen solutions.The opportunity for large companies to adopt GenAI for cost-savings and revenue generation.The skills that might be valuable in the age of AI.Thanks David for coming on the show to share your wisdom and expertise in private markets.Show Notes00:00 Introduction to our Sponsor, Ultimus01:59 Welcome to the Alt Goes Mainstream Podcast02:07 Introducing David Breach03:30 David Breach's Career Journey05:22 Transition to Vista Equity Partners06:03 Joining Vista and Initial Impressions06:30 Vista's Vision and Growth09:03 Operational Excellence at Vista10:35 Investment Strategy and Alignment13:27 Scaling Vista's Operations16:44 Building Vista's Wealth Business17:04 Vista's Core Values and DNA19:29 Strategic Decisions in Wealth Management20:19 Educating on the Wealth Space20:46 Modeling and Investment Decisions21:42 Hiring and Team Building22:07 Balancing Opportunity and Capacity22:29 Evaluating Firm's Commitment23:47 Institutional Investors' Concerns24:48 Addressing Investor Concerns25:22 Industry Trends in Private Markets26:16 The Growth of Private Software Companies28:46 The Resilience of Software Businesses29:36 Diversification in Software Investments30:33 The Role of Generative AI in Software32:54 Operational Improvements with GenAI33:32 Product Enhancements with GenAI33:49 Agentification of Software34:51 Financial Impact of AI on Software Companies36:41 GenAI in Middle Market Companies37:25 Vista's Edge in GenAI38:27 CEO Perspectives on GenAI39:04 Encouraging AI Adoption in Companies42:37 The Human Element in the Age of AI43:26 Preparing Teams for AI Integration45:37 Advising Wealth Managers on GenAI48:26 Vista's Vision for the Future49:49 Building a Software Investing Factory50:42 Excitement for the FutureEditing and post-production work for this episode was provided by The Podcast Consultant.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.

What happens when entrepreneurial success results in a web of investments, assets, and stories that grew too complex for any one person to manage? This episode of The Angel Next Door Podcast dives into the often-overlooked challenges of building and preserving a family legacy while maintaining clarity and order for generations to come.Our guest, Josh Kanter, brings firsthand experience from growing up as the son of a legendary tax lawyer and later managing his family's highly intricate financial affairs. His journey through the legal, venture, and family office worlds inspired him to create Leaf Planner—a tool designed to help families and entrepreneurs untangle their personal and financial complexities.Listeners will gain a high-level playbook for managing investments, capturing important family stories, and laying the groundwork for true multi-generational success. Josh Kanter and Marcia Dawood offer practical steps and compelling anecdotes, making this a must-listen for anyone looking to streamline their legacy and protect what really matters. To get the latest from Josh Kanter, you can follow him below!https://www.linkedin.com/in/joshua-kanter/https://leafplanner.com Sign up for Marcia's newsletter to receive tips and the latest on Angel Investing!Website: www.marciadawood.comDo Good While Doing WellLearn more about the documentary Show Her the Money: www.showherthemoneymovie.comAnd don't forget to follow us wherever you are!Apple Podcasts: https://pod.link/1586445642.appleSpotify: https://pod.link/1586445642.spotifyLinkedIn: https://www.linkedin.com/company/angel-next-door-podcast/Instagram: https://www.instagram.com/theangelnextdoorpodcast/Pinterest: https://www.pinterest.com/theangelnextdoorpodcast/TikTok: https://www.tiktok.com/@marciadawood

COSTLY MISTAKES THE PITFALLS OF IRA WITHDRAWALS FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Individual Retirement Accounts (IRAs) are powerful tools for building wealth, but costly mistakes with withdrawals can lead to penalties, taxes, and reduced savings. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain how to avoid common errors with IRA withdrawals and keep your retirement plan on track. Full Description IRAs are designed to help individuals save for retirement with tax advantages. But when it comes time to withdraw funds, the rules can be complex. Missteps—like withdrawing too early, missing required distributions, or failing to plan for taxes—can create significant financial consequences. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down the most common mistakes people make with IRA withdrawals. They explain how taking money out before age 59½ can trigger early withdrawal penalties, and how overlooking required minimum distributions (RMDs) after age 73 can result in steep fines. The discussion also highlights how failing to coordinate withdrawals with other income sources can push retirees into higher tax brackets. Listeners will learn strategies to avoid these pitfalls. Sandy and Tyler emphasize the importance of understanding withdrawal timelines, planning ahead for taxes, and considering how withdrawals align with broader retirement goals. They also discuss how beneficiaries can make costly mistakes when inheriting IRAs if they don't follow the right distribution rules. The key takeaway: accumulating savings in an IRA is only part of the journey. Managing withdrawals wisely is just as important for preserving wealth in retirement. With the right guidance, retirees can maximize the value of their IRAs while minimizing taxes and penalties. At BWFA, we help clients navigate the complexities of retirement accounts, ensuring that every decision supports long-term financial security. This episode provides practical insights into how to avoid fumbling one of the most important aspects of retirement planning. For more resources, visit BWFA's Tax Planning Services.

In this episode of Financial Planner Life, Sam Oakes talks with Neil Whiteside, a financial planner at First Equitable, about his winding, risk‑reward career journey from starting as a cashier in banking to embracing financial planning, taking a pay cut for growth as a trainee Financial Planner, and ultimately choosing a role that lets him help build a business rather than just sustain one.Neil shares:How his early roles in banking taught him core skills (customer service, fact‑finding, relationship building).The tough choice to leave a secure management path to pursue financial planning.What it took to get back to his previous income after stepping into a trainee adviser role. How specialisation (e.g., working with hospital doctors and understanding complex pension schemes) boosted his confidence and client value.His transition from corporate structures to smaller firms, where influence, autonomy, and entrepreneurial energy matter.Why protection advice is undervalued and the power it has to transform clients' lives.How voluntary work and governance roles are shaping his long‑term vision - including non‑executive director aspirations.This episode offers honest career reflections and tactical lessons for aspiring and established advisors alike.Be sure to follow Financial Planner life on YouTube for extra content about career development within Financial Planning. Reach out to sam@financialplannerlife.com in regards to sponsorship, partnerships, videography or podcast production. Want to appear on the Financial Planner Life podcast? Drop Sam a message.

In this episode, we explore the ripple effects of the end of the U.S. penny — what it means for everyday consumers and how pricing may change. Then we take a look at the 2025 stock-market ride: despite record highs this year, we've already seen a sharp drawdown before finishing strong, and pullbacks have tended to be surprisingly shallow and brief. Finally, we break down popular frugal habits to ask: are they really saving you money, or just costing you time and stress? Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Welcome back to the Alt Goes Mainstream podcast.Today's episode was filmed at ING's HQ in Amsterdam, right after ING held its Private Markets Day. The firm has been actively building out its private markets capabilities to serve its private wealth clients so it was a treat to interview two of the people responsible for running ING's wealth management and private markets practice.We sat down with Anneka Treon, ING's Global Head of Private Banking, Wealth Management & Investments, and Johan Kloeze, Head of Private Banking & Wealth Management Netherlands, to discuss ING's big ambitions in private markets.ING, which manages over €260B of invested assets across 5 million clients, has made a major push into private markets. Led by Anneka and Johan, the firm has built out a Private Markets business that has grown AUM in three years since its launch. ING has partnered with established alternative asset managers to create one of the largest evergreen fund platforms in European wealth management.Anneka, Johan, and I had a fascinating discussion about wealth management, how to bring private markets to advisors and clients, and how to educate the wealth channel about private markets. We covered:What Anneka means by “fast money versus slow money.”Why it's important for advisors to bring private markets “to the kitchen table.”How to transform savers into investors — and why that matters.Why focus on private markets.The challenges with building a private markets business.Figuring out how to partner with alternative asset managers.How and why ING has focused on curation when building its private markets platform.The benefits and challenges of evergreen funds.Thanks Anneka and Johan for sharing your wisdom and expertise at the intersection of private markets and private wealth.Show Notes00:00 Message from our Sponsor, Ultimus01:43 Welcome to the Alt Goes Mainstream Podcast01:57 Introduction to Johan Kloeze and Anneka Treon03:19 Guest Welcome and Backgrounds04:05 Johan's Journey at ING05:07 Anneka's Background and Ambitions06:58 The Importance of Private Markets07:56 Wealth Creation and Preservation08:25 Building the Private Markets Business14:55 Educational Approach to Private Markets16:19 Making Private Markets Human20:54 Curating the Right Managers23:02 Slow Money vs Fast Money24:07 The Bookcase Analogy24:21 Cash Flow Dynamics24:27 The Importance of a Stable Financial Foundation24:53 The Role of Quality Managers in Investment25:16 Motivations Behind Public vs. Private Markets26:13 Educating Younger Clients on Slow Money28:04 The Role of ING in Providing Diverse Investment Options28:47 Challenges in Building a Private Markets Platform29:46 The Success of Evergreen Vehicles31:25 Anneka's Perspective on ING's Private Markets Strategy32:18 Humanizing Private Markets32:54 Opportunities in the ELTIF Space34:24 Educating Clients on Private Markets36:29 The Future of ING's Private Markets Platform37:43 Balancing Digital and Human Approaches38:49 The Importance of Simplifying Investment Concepts38:57 The Role of Liquidity in Private Markets39:53 Lessons Learned in Building an Investment Platform41:38 The Entrepreneurial Spirit of ING's Clients42:46 The Need for Harmonization in Private Markets44:36 The Growth Roadmap for ING's Private Markets45:07 The Future of Private Markets InvestmentsEditing and post-production work for this episode was provided by The Podcast Consultant.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.

Cathal Rochford of Blevins Franks International Tax and Wealth Management talks to Howard Brereton #Wealth #Tax #WealthManagement #Spain #Expat #Brexit

Topics Covered:November performance recap for the Moderate Global Balanced PortfolioActive equity selection and regional tiltsFixed income positioning: intermediate-term U.S. TreasuriesYTD performance vs. benchmark and risk-adjusted resultsBitcoin–Gold Rotation strategy: why gold dominated signals this yearHow aggressive clients can use the rotation sleeveNew absolute-return breakout strategy and its early outperformanceHow global diversification and trend-based discipline helped narrow tracking errorWhere to find the full allocation breakdown (Substack)Key Highlights:Portfolio outperformed the global 60/40 benchmark by 30 bps in NovemberEquity sleeve remains 63% of the portfolio, with strong regional contributionsFixed income tilts added to monthly returnsBitcoin–Gold model returned 41% YTD, with reduced crypto drawdownsAbsolute-return strategy has outperformed the S&P 500 by ~8% since launchVisit us at www.dantesoutlook.com

On this week's episode, a busy week of mixed economic signals—initial jobless claims hit a very low 191,000 while ADP reported a -32,000 decline in private payrolls—and a split economy where ISM Manufacturing remains in contraction as Services continue to expand. With a delayed September PCE inflation (the Fed's preferred inflation gauge) arriving today, just before next week's FOMC meeting, markets are leaning toward a 25 bp “risk management” cut as Treasury yields hover in a 4.05–4.15% range and auctions resume. Looking ahead to 2026, the team expects continued momentum without a recession, a need for discernment in AI rather than bubble fears, a potentially more dovish Fed posture amid leadership changes, a strong first half for equities, and a steady emphasis on diversification through debt concerns and midterm-election noise.Speakers: Brian Pietrangelo, Managing Director of Investment Strategy George Mateyo, Chief Investment Officer Rajeev Sharma, Head of Fixed Income Stephen Hoedt, Head of Equities  01:37 - Labor Market & Economy Split: Initial claims ~191,000 and below 225,000 for three weeks; BLS jobs report delayed to Dec 16; ADP shows -32,000 private payrolls—cooling, ISM Manufacturing remains in contraction (multi-year) while Services continue expanding—highlighting a bifurcated economy. 3:47 - Inflation & Fed setup: September PCE is the last read before the FOMC; markets price ~95% odds of a 25 bp cut, with dot‑plot dissents crucial for the 2026 rate path. 07:16 - Rates & Auctions: 10‑year Treasury trading ~4.05–4.15% with dip‑buying; auctions restart next week ($58 billion 3‑yr, $39 billion 10‑yr, $22 billion 30‑yr). 09:47 - 2026 Outlook Highlights: Momentum without recession; AI requires discernment (ecosystems forming, winners vs. losers); possible dovish tilt at the Fed amid leadership changes; equities set up for a strong first half with potential mid‑year inflation‑related volatility; stay diversified through debt/deficit concerns and midterm‑election uncertainty.  Additional Resources Rewatch: Key Wealth National Call: Managing Wealth in an Age of Disruption and Change  Key Questions Weekly Investment Brief Subscribe to our Key Wealth Insights newsletter Follow us on LinkedIn 

Welcome back to the Alt Goes Mainstream podcast.Today's episode was filmed live at an event during a Brookfield Oaktree Wealth Solutions RIA Council meeting in New York.Armen Panossian, the Co-CEO and Head of Performing Credit at Oaktree, and I sat down for a conversation in a Brookfield-owned building with a group of RIAs in the audience.Armen, who joined Oaktree in 2007, has been an integral part of scaling Oaktree to over $209B in AUM. Oaktree, a storied firm, particularly in distressed credit, was recently fully acquired by Brookfield, the $1T AUM alternative asset manager.Armen has a wealth of experience across different areas of credit. He is the Head of Performing Credit, where his responsibilities include oversight of the firm's liquid and private credit strategies and as a portfolio manager within the Global Private Debt and Global Credit strategies. He also led the development of Oaktree's CLO business.Armen and I had a fascinating and thought-provoking conversation. We covered:The evolution of Oaktree's business.How the acquisition by Brookfield has helped scale Oaktree's business.Why private credit is more than direct lending.The nuances of asset-based finance.The current state of the credit markets.How Oaktree has approached distressed credit investing.What Armen's memo would be if he were to write a memo like his colleague Howard Marks. And, why his memo might be titled “this is not your grandma's private credit” or “don't reach for risk to deliver the right return.”Thanks Armen and the Brookfield Oaktree Wealth Solutions team for a fantastic night and Armen for sharing your wisdom and expertise with us.Show Notes00:00 Message from Ultimus, our Sponsor01:59 Welcome to the Alt Goes Mainstream Podcast04:02 Armen Panossian's Background04:22 Early Career and Education05:42 Transition to Finance08:04 Joining Oaktree08:25 Oaktree's Early Days09:25 Investment Philosophy and Growth12:05 Balancing Pessimism and Business Building14:49 Private Credit Market Overview15:45 Core vs. Alpha in Private Credit20:06 Public vs. Private Credit21:39 Technicals and Fundamentals in Credit Markets24:17 Valuation and Risk Management25:22 Consumer Impact on Private Credit25:46 Public Markets as Indicators26:38 Oaktree's Historical Success26:48 Howard Marks' Investment Philosophy26:58 Market Dynamics and Investment Strategies27:18 Opportunities in Life Sciences27:58 Public vs. Private Market Solutions28:27 Understanding Private Credit Risks29:05 Credit Market Technicals29:41 Fraud Vigilance in Credit Markets30:07 Oaktree's Opportunistic Credit Approach31:56 Rescue Lending and Sector-Specific Opportunities32:37 Asset-Backed Finance Explained34:52 Impact of Banking Regulations35:24 Current Trends in Asset-Backed Finance39:47 Navigating the Private Credit Ecosystem40:50 Brookfield and Oaktree Partnership42:09 Wealth Channel Investment Strategies43:40 Brookfield and Oaktree: A Unique Partnership45:45 Concerns in Private Credit48:03 Advisors' Guide to Private Credit50:47 Howard's Memos and Investment Philosophy52:44 Evolving Private Credit Landscape53:48 Conclusion and Final ThoughtsEditing and post-production work for this episode was provided by The Podcast Consultant.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.

COSTLY MISTAKES RELOCATING TOO QUICKLY IN RETIREMENT FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Relocating in retirement can be exciting, but moving without proper research can turn into a costly mistake. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain the risks of relocating too quickly—and how to make sure your next move supports both your lifestyle and your financial goals. Full Description A new home in retirement often represents more than just a change of address. For many, relocation symbolizes freedom, fresh opportunities, or a chance to be closer to family. Yet without careful planning, the dream move can bring unexpected expenses and regrets. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge explore the common pitfalls of relocating without enough research. They explain how factors like cost of living, property taxes, healthcare access, and state tax laws can have a lasting impact on financial security. Even small differences—such as insurance costs or utility bills—can add up over the years and strain a retirement budget. Listeners will also learn why lifestyle factors matter as much as financial ones. A move to a warmer climate may seem ideal, but access to quality healthcare, transportation, and social networks is equally important. Sandy and Tyler share real-world examples of clients who reconsidered relocation plans after evaluating these details. The key takeaway is that relocation should never be a snap decision. By running the numbers, visiting multiple times, and discussing long-term goals with a financial planner, retirees can ensure their move enhances rather than hinders their retirement. At BWFA, we help clients weigh the financial and lifestyle implications of relocation. This episode offers practical strategies to avoid surprises and make relocation a positive step forward. For more guidance, visit BWFA's Financial Planning Services.

Are you using your technology to its fullest potential? In this episode of the Registered Investment Advisor Podcast, Seth Greene interviews Christopher Johnson, CEO of TrigaByte Technologies, who delves into the challenges wealth management firms face when integrating technology and maximizing its potential. With 30 years of experience, Chris shares his journey from working as a compliance officer to founding Trigger Byte, where he helps advisors leverage technology for greater efficiency and client satisfaction. Chris discusses everything from client onboarding to the rise of AI in wealth management, offering actionable insights for firms looking to scale smarter. Key Takeaways: → Why the biggest challenge in wealth management is effectively integrating and using technology. → How optimizing tech usage helps firms increase their ROI. → How AI is the future of automating client interactions and tasks for wealth management firms. → Why wealth management firms are shifting from commission-based models to fee-for-service models. → Why it's vital to choose and implement technology that fits a firm's specific needs. Christopher Johnson has spent over 30 years in the financial services industry, leading, growing, and guiding wealth management firms through both change and opportunity. With deep expertise in building strong operational foundations and scalable infrastructure, Chris understands what advisory offices need to truly thrive. He believes that when the right tools and technology are applied intentionally, they do more than improve efficiency—they create space for purposeful growth, elevate the client experience, and enhance team performance. Passionate about helping advisors reach their full potential, Chris works closely with firms to streamline processes, optimize existing systems, and deliver exceptional service at every stage of their evolution. Connect With Christopher: Website: https://www.trigabytetech.com/ LinkedIn: https://www.linkedin.com/in/christrigabytetech/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Jeffrey Condren, CFP® is a Senior Vice President and Wealth Advisor in Mesirow Wealth Management. With two decades of experience in the financial industry, Jeff has solidified his reputation as a seasoned expert in wealth management and financial planning.Jeff joined Mesirow in 2015 and has since provided invaluable guidance to a diverse clientele, helping them navigate various economic landscapes and market fluctuationsJeff was named to the 2024 Best-in-State Top Next-Gen Wealth Advisors ranking by Forbes. He is the Immediate Past President of the Ravinia Associates Board and recently served as a member of the Executive Board of Trustees at the Ravinia Music FestivalJeff earned a Bachelor of Science in Finance from DePaul University and is a CERTIFIED FINANCIAL PLANNER® professional. He holds the Series 7 and 66 FINRA licenses.Learn more: https://www.mesirow.com/capabilities/wealth-management/maniscalco-teamInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/jeffrey-condren-cfp-senior-vice-president-wealth-advisor-with-mesirow-wealth-management

Jeffrey Condren, CFP® is a Senior Vice President and Wealth Advisor in Mesirow Wealth Management. With two decades of experience in the financial industry, Jeff has solidified his reputation as a seasoned expert in wealth management and financial planning.Jeff joined Mesirow in 2015 and has since provided invaluable guidance to a diverse clientele, helping them navigate various economic landscapes and market fluctuationsJeff was named to the 2024 Best-in-State Top Next-Gen Wealth Advisors ranking by Forbes. He is the Immediate Past President of the Ravinia Associates Board and recently served as a member of the Executive Board of Trustees at the Ravinia Music FestivalJeff earned a Bachelor of Science in Finance from DePaul University and is a CERTIFIED FINANCIAL PLANNER® professional. He holds the Series 7 and 66 FINRA licenses.Learn more: https://www.mesirow.com/capabilities/wealth-management/maniscalco-teamInfluential Entrepreneurs with Mike Saundershttps://businessinnovatorsradio.com/influential-entrepreneurs-with-mike-saunders/Source: https://businessinnovatorsradio.com/jeffrey-condren-cfp-senior-vice-president-wealth-advisor-with-mesirow-wealth-management

This week, Roger and Elias took a break for the Thanksgiving holiday - so we are sharing some of their favorite listener questions from past episodes of their radio show, The Premier Financial Hour. Check out the Premier Financial Hour over on PIWM's YouTube page: https://www.youtube.com/@premieriwm  Get started on your path to financial freedom: www.premieriwm.com  Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. Consult your tax professional about eligibility to Roth and Traditional IRA contributions. Contributions and earnings in a Roth IRA can be withdrawn without paying taxes and penalties if the account owner is at least 59 ½ and has held their Roth IRA for at least five years. Traditional IRA account owners have considerations to make before performing a Roth IRA conversion. These primarily include income tax consequences on the converted amount in the year of the conversion, withdrawal limitations from a Roth IRA, and income limitations for future contributions to a Roth IRA. In addition, if you are required to take a minimum distribution (RMD) in the year you convert, you must do so before converting to a Roth IRA. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Carla Harris started her extraordinary career on Wall Street in 1987 – right before the financial markets crashed that fall. In the ensuing nearly 40 years, she persevered through and overcame challenges, rising to the top leadership echelons. Now the Vice Chairman of Wealth Management and Senior Client Advisor at Morgan Stanley, Carla is also a keynote speaker and author, generously with sharing with others insights into how to be a great executive that leads with courage, clarity and humility. You'll also hear the surprising story of how she incorporates her lifelong love of gospel music into her busy schedule now and why she feels that in non-negotiable. YOU WILL LEARN: How giving up the need to do it all yourself will free you to do what you and only you can do best. How the combination of believing in who you truly are — along with a healthy dose of courage — can help you reach your dreams and goals. The importance of focusing on what you know to be true, instead of thinking about what may or may not happen, and what others may be thinking. MENTIONED IN THIS EPISODE: Lead to Win: How to Be a Powerful, Impactful, Influential Leader in Any Environment by Carla Harris NOTEWORTHY QUOTES FROM THIS EPISODE: “I want to as a leader, make people feel seen, make them feel like they're so important that they're the only person in the room.” — Carla Harris “If you're going to bother to do anything, deliver excellence. Sometimes your best won't be enough, but you can always know you left it all on the floor.” – Carla Harris “Serve, don't sell. If you serve people well, you'll have all the business you could ever want.” – Carla Harris “Your people should never have to wonder where they stand with you. Be straight, be transparent, and close the loop every time.” – Carla Harris “I say, but for the grace of God, I would not be sitting where I'm sitting today. And part of that grace was also not letting me focus on what wasn't happening or what somebody else must be thinking.” — Carla Harris Hosted on Acast. See acast.com/privacy for more information.

Today is Giving Tuesday https://www.givingtuesday.org/, which strategically falls toward the end of the year, providing the last chance to take advantage of tax benefits for charitable giving for the year. This week, Biz Talks welcomes Shayna Lear Harvey, partner and president of Wealth Management fro JECohen. She shares the new rules for giving for 2025, what changes are coming for 2026 and four ways you can maximize your giving right now.

Welcome back to the Alt Goes Mainstream podcast.Today's episode brings the perspective of an asset management veteran who has sat on both sides of the table.We sat down in Franklin Templeton's New York City office with George Stephan, COO of Global Wealth Management Alternatives at Franklin Templeton.George joined Franklin to continue the buildout of the firm's Alternatives capabilities, which boasts over $264B AUM in private markets strategies that include Lexington Partners, Benefit Street Partners, and Clarion Partners. George came from KKR, where he was Head of Strategy and Business Development for the firm's Global Client Solutions business and was also COO and Head of Investor Relations for KKR's Global Wealth Solutions business in the Americas. Prior to KKR, George spent nine years in Morgan Stanley's wealth management division. George is also a Board Observer at CAIS.George and I had a fascinating conversation about how to build a wealth solutions business and how advisors approach private markets. We discussed:How has the adoption of private markets by the wealth channel evolved over the course of George's career?The benefits and challenges of being a traditional asset manager building out its private markets capabilities.The breadth and depth of Franklin Templeton's reach as a firm and how that brand and history have helped Franklin partner with the wealth channel in private markets.How has Franklin Templeton's family of specialists enabled the firm to leverage the expertise of specialist alternative asset managers within a larger platform?How does the wealth channel approach private markets?How will model portfolios be constructed and adopted by the wealth channel?Will evergreen funds be the structure of choice for most advisors?Thanks George for coming on the show to share your expertise and wisdom at the intersection of private markets and private wealth.Show Notes00:00 Introduction to our Sponsor, Ultimus01:55 Welcome to the Podcast02:03 Guest Introduction: George Stephan03:59 George's Career Journey04:12 Building Wealth Solutions at Franklin Templeton06:06 Key Pillars for Success in Wealth Management07:31 Client Service and Operational Excellence09:04 Strategic Approach to Wealth Management10:15 Convergence of Public and Private Markets10:48 Advisor Needs and Solutions13:31 Franklin Templeton's Private Markets Business14:23 Unifying Private Markets Business15:01 Cross Collaboration and Investment Decisions15:43 Cultural Alignment in Acquisitions16:35 Franklin Templeton's Core Principles17:15 Heritage and Long-Term Thinking21:30 Brand Evolution and Market Perception24:19 Strategic Partnerships in Private Markets25:56 Future of Partnerships and Acquisitions26:57 Winners and Losers in Partnerships27:10 Advisor's Perspective on Productization27:43 Allocating to Public and Private Markets28:21 Innovation in Private Markets29:05 Challenges and Opportunities in Wealth Management29:56 The Future of Multi-Asset Solutions30:17 Operational Complexity in Private Markets31:27 The Need for Digital Transformation31:59 Adoption of Distributed Ledger Technology (DLT)32:46 Evolving Technology in Wealth Management33:49 Impact of Market Efficiency on Returns35:13 Dispersion in Private Markets Performance37:17 Scale and Investment Integrity38:44 Building Capabilities in Franklin Alternatives40:10 Partnering with Asset Managers41:36 Keys to Building a Wealth Solutions Business42:16 Hiring for Private Markets Expertise43:39 Educating the Industry on Private Markets45:48 Evergreen Structures in Private Markets49:45 Exciting Trends in Private MarketsEditing and post-production work for this episode was provided by The Podcast Consultant.A word from AGM podcast sponsor, Ultimus Fund SolutionsThis episode of Alt Goes Mainstream is brought to you by Ultimus Fund Solutions, a leading full-service fund administrator for asset managers in private and public markets. As private markets continue to move into the mainstream, the industry requires infrastructure solutions that help funds and investors keep pace. In an increasingly sophisticated financial marketplace, investment managers must navigate a growing array of challenges: elaborate fund structures, specialized strategies, evolving compliance requirements, a growing need for sophisticated reporting, and intensifying demands for transparency.To assist with these challenging opportunities, more and more fund sponsors and asset managers are turning to Ultimus, a leading service provider that blends high tech and high touch in unique and customized fund administration and middle office solutions for a diverse and growing universe of over 450 clients and 1,800 funds, representing $500 billion assets under administration, all handled by a team of over 1,000 professionals. Ultimus offers a wide range of capabilities across registered funds, private funds and public plans, as well as outsourced middle office services. Delivering operational excellence, Ultimus helps firms manage the ever-changing regulatory environment while meeting the needs of their institutional and retail investors. Ultimus provides comprehensive operational support and fund governance services to help managers successfully launch retail alternative products.Visit www.ultimusfundsolutions.com to learn more about Ultimus' technology enhanced services and solutions or contact Ultimus Executive Vice President of Business Development Gary Harris on email at gharris@ultimusfundsolutions.com.We thank Ultimus for their support of alts going mainstream.

Can agentic AI solve the scalability challenge in wealth management while expanding access to underserved communities? Ramona Ortega believes it can, but only with the right foundation. She explains how WealthBuild has moved from basic chatbots to RAG and now to agentic workflows that can deliver accurate and personalized guidance at scale. In her opinion, the real blockers aren't algorithms but messy data, governance gaps and enterprise-grade security. Since traditional financial services can't reach many everyday consumers, she partners with community banks to close the gap. For her, the future lies where AI, APIs and blockchain meet, opening the door to accessible and democratized financial advice.Explore the podcast → https://ibm.biz/BdbuaR

Conocemos la evolución de este mercado en esta recta final del ejercicio con la mirada puesta en 2026. Lo hablamos con Joseba Orueta, Director de Wealth Management de Kutxabank.

In this episode, Howard Klieger, Founder and Managing Partner of Walled Lake Planning and Wealth Management, discusses his path from broker to planner, the psychology behind investing, and the importance of clear family communication and thoughtful portfolio design.

In this episode, Howard Klieger, Founder and Managing Partner of Walled Lake Planning and Wealth Management, discusses his path from broker to planner, the psychology behind investing, and the importance of clear family communication and thoughtful portfolio design.

In the third episode of our 'Future of wealth management' podcast series, Barney Hinnigan, Marina Reason and Chris Hurn consider the FCA's findings from its multi-firm review of consolidation in the financial advice and wealth management sector. We also discuss the review findings in a related blogpost – see Wealth consolidation - FCA review findings https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/wealth-consolidation-fca-review-findings Speakers: Barney Hinnigan, Partner, Corporate, Marina Reason, Partner, Financial Services Regulatory, Chris Hurn, Of Counsel, Financial Services Regulatory

You've probably noticed that life insurance rarely comes up in wealth management conversations. When it does, it's usually dismissed with vague rules about income levels or net worth thresholds that don't actually mean anything. We think that's a problem worth addressing. In this episode, we explore why cash value life insurance deserves a seat at the wealth management table. You'll hear about the specific attributes that make it valuable—not as a path to massive wealth multiplication, but as a solid complement to your other investments. We cover the tax efficiency advantages that go beyond simple tax deferral. You'll learn how life insurance distributions don't count toward provisional income calculations that determine Social Security taxability. We explain how they also avoid triggering IRMAA surcharges on Medicare Part B and D premiums. These benefits become increasingly valuable as your retirement income grows. We discuss the predictability advantage life insurance offers compared to market-based investments. While we're not anti-index funds or real estate, life insurance doesn't require Monte Carlo simulations with 85% success probabilities. You get much greater certainty in your income planning. The conversation also covers how life insurance eliminates the constant reallocation decisions that come with traditional portfolios. You won't find yourself wondering whether to de-risk before a market correction or trying to time your next move. It simply continues doing what it does consistently well. We emphasize throughout that life insurance isn't a replacement for everything else in your wealth management strategy. It's one tool that should work alongside your other investments, sized appropriately for your personal situation and risk tolerance. The key is starting decades before you need it. ______________________________ Ready to explore how life insurance fits into your wealth management strategy? Contact us to discuss your specific situation and see if this missing piece belongs in your financial plan.

Key TopicsThe cyclicality of trend, value, momentum, and other stylesWhy Dantes Outlook blends trend, relative strength, and dispersionManaging risk during the crucial mid-30s to 40s accumulation yearsSequence-of-returns risk and why it is the “silent killer” of retirement portfoliosHow rolling return analysis helps investors avoid misleading conclusionsThe case for global diversification beyond U.S.-centric portfoliosWhy non-U.S. equities may be entering a long-term leadership cycleMaintaining a risk mandate you can stick with across market regimesVisit us at www.dantesoutlook.com

In the second episode of our 'Future of wealth management' podcast series, Marina Reason and Aurell Taussig consider the impact of the Budget on the wealth management sector. Speakers: Marina Reason, Partner, Financial Services Regulation and Aurell Taussig, Partner, Tax

COSTLY MISTAKES THE REALITY OF CREDIT MISUSE FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Credit cards are convenient, but without careful management, they can become a financial trap. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge discuss how misusing credit cards impacts long-term financial health—and share strategies for avoiding costly mistakes. Full Description Credit cards offer convenience, rewards, and short-term flexibility. Yet for many, they also become a source of debt and financial stress. High interest rates, overspending, and missed payments can quickly add up, making it harder to save, invest, or plan for retirement. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr., and Tyler Kluge discuss the hidden risks of mismanaging credit cards. They explain how carrying balances month after month erodes wealth and why relying on credit for everyday expenses creates long-term challenges. The conversation also covers the impact of late payments on credit scores and how that can affect borrowing costs in the future. Listeners will learn practical strategies for using credit responsibly. Sandy and Tyler share insights on how to avoid common traps, such as making only minimum payments or applying for too many cards at once. They also highlight the importance of budgeting, paying balances in full, and using rewards programs wisely. The key message is that credit cards are not inherently bad—they simply require discipline. With thoughtful use, they can provide flexibility and even benefits. Without discipline, they can derail savings goals and put your financial security at risk. At BWFA, we help clients make informed decisions about debt, savings, and long-term planning. This episode offers actionable advice to help you avoid the pitfalls of mismanaging credit cards and build a stronger financial foundation. For more financial planning resources, visit BWFA's Financial Planning Services.

In this Thanksgiving episode, Ray Sclafani reflects on why gratitude is more than a seasonal sentiment for advisory leaders — it is a strategic advantage. Drawing from research, industry insights, and personal experience at ClientWise, Ray explores how appreciation strengthens culture, deepens engagement, and elevates performance across advisory firms.He highlights why recognizing people's contributions is essential to leadership, offers meaningful reflection questions for advisors, and underscores that gratitude should lead to action: developing talent, raising standards, investing in future leaders, and preparing for the growth ahead.Ray closes with a message of appreciation to the ClientWise team and the advisory professionals they serve, encouraging leaders to use this season not as an endpoint but as a launchpad for impact in 2026.Find Ray and the ClientWise Team on the ClientWise website or LinkedIn | Twitter | Instagram | Facebook | YouTubeTo join one of the largest digital communities of financial advisors, visit exchange.clientwise.com.

Choosing the right financial advisor can make or break your long term financial future. I sat down with Brian Bachelier of Hawthorne Capital to talk about the decisions that create real financial security, the red flags people miss, and the qualities every great advisor should have.Brian's background is unique, Chicago Board of Trade, hedge fund management, equity trading, strategy development, and now a Certified Financial Planner and Certified Market Technician. His approach is built on clarity, transparency, and always acting in the client's best interest.What this episode covers:How Brian developed his expertiseWhat most people misunderstand about advisorsFiduciary vs. suitability explainedHow to know if your advisor is doing right by youThe role of AI in financial planningKey financial decisions business owners must considerTune in and take control of your financial future with the right information.Connect with Brianhttps://www.linkedin.com/in/brianbachelier/https://www.facebook.com/people/Brian-Bachelier-CFP-CMT-Hawthorne-Capital-Wealth-Advisors/61583141036272/https://www.youtube.com/@BrianBachelierhttps://x.com/bbachelierConnect with Builders of AuthorityWebsite: https://buildauthority.comFREE Facebook Group: https://www.facebook.com/groups/7685392924809322BOA Mastermind: https://buildauthority.co/order-form-mastermindGoHighLevel Extended 30-day Free Trial w/TONS of Personal Branding Bonuses: http://gohighlevel.com/adammcchesney

COSTLY MISTAKES THE RISK OF OVERLOOKING INFLATION FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS with Sandy Hornor | CEPS Managing Director, Wealth Management & Executive Manager, BWFA and Tyler Kluge | CFP®, ChFEB℠, CPWA®, CDFA®, CEPS,  Financial Planner, BWFA About This Episode Inflation may not seem dramatic day-to-day, but over time it quietly erodes your purchasing power. In this episode, BWFA's Sandy Hornor, Jr. and Tyler Kluge explain why ignoring inflation is one of the most common and costly mistakes retirees make. Full Description Inflation has always been part of the economic landscape, but recent years have reminded us how quickly costs can rise. Even modest annual increases add up over decades, changing what retirees can afford and forcing tough decisions about lifestyle, travel, and healthcare. Planning without accounting for inflation often leads to budgets that work on paper at the start of retirement but fail later on. In this episode of Healthy, Wealthy & Wise, BWFA's Sandy Hornor, Jr. and Tyler Kluge break down why inflation is called the “invisible thief.” They explain how it reduces the value of savings, increases the cost of essential services, and undermines long-term financial security. Retirees who ignore inflation may find that what felt safe in their 60s becomes inadequate in their 80s. Listeners will learn practical ways to protect against inflation. Strategies include investing in growth assets, diversifying income streams, and reviewing plans regularly to reflect changing conditions. Sandy and Tyler also share how BWFA helps clients stress-test portfolios under different inflation scenarios, offering peace of mind that the plan can adapt to both gradual increases and unexpected spikes. The key takeaway is that retirement planning must look forward, not just focus on today's expenses. By anticipating rising costs and adjusting proactively, you can preserve purchasing power, maintain your lifestyle, and protect the legacy you hope to leave for loved ones. For more guidance, visit BWFA's Financial Planning Services.

In this episode of "Building the Billion Dollar Business," host Ray Sclafani delves into the strategies and insights behind successful financial advisory firms, focusing on organic growth and new client acquisition. He outlines six steps to boost growth, emphasizing the importance of client relationships, team collaboration, and strategic planning. Ray also discusses the significance of setting intentional goals and fostering a culture centered around growth.Key TakeawaysOrganic growth is a critical indicator of a firm's health.Understanding total relationship value (TRV) is essential.Generational continuity is key for long-term success.A focused marketing plan aligns with client needs.Utilizing CRM effectively identifies growth opportunities.Reframing culture around growth attracts talent.For more information click here to visit The Best in the Business Blog.Find Ray and the ClientWise Team on the ClientWise website or LinkedIn | Twitter | Instagram | Facebook | YouTubeTo join one of the largest digital communities of financial advisors, visit exchange.clientwise.com.

Financial Advisor Tim Russell, CFP®, Pastor Drew Gysi, and Tyler Rutherford discuss the value of Donor Advised FundsSubscribe to "Life in the Markets" PodcastBuy our new book: The Good StewardListen to the Scripture Memory PodcastSee the show notes here!Wealth Management from a Biblical WorldviewStewardship Seminars from a Biblical WorldviewLearn more at: StewardologyPodcast.comSchedule a Personal Stewardship Review at: StewardologyPodcast.com/ReviewGet in touch with us at: Contact@StewardologyPodcast.comor call us at: (800) 688-5800Send us episode ideas! StewardologyPodcast.com/ideaSubscribe to get episodes delivered to your inbox every week.Follow along: Facebook, InstagramA ministry of Life Financial Group & Life Institute.Securities and Advisory Services offered through GENEOS WEALTH MANAGEMENT, INC. Member FINRA and SIPC

Zane Keller, CEO of Ducere Wealth Management, shares why he and Rick Keller launched the firm and the vision behind its client-first approach. He discusses how the business has progressed in its first six months and explains how Ducere Wealth is working to solve some of the key challenges facing today's advisory industry.

This episode gets personal. A new survey from U.S. Bank found that many Americans are making smart choices with their money, but many feel progress is elusive because the goals people care about (buying a home, retiring comfortably, building wealth), depend on economic forces beyond their control. Today, Nicole helps you learn the research-backed strategies to improve confidence and work towards your financial goals. To help unpack these strategies, Nicole is joined by U.S. Bank's Scott Ford, Head of Wealth Management at U.S. Bank, and Kate Phelan, California Regional Director of Strategic Wealth Planning and Advice. They cover how to prepare for buying a home, what to prioritize at different life stages, how to approach retirement in a world where it's getting longer and less predictable, and what small money wins you can start today to build real momentum. They also talk about how to prepare for disaster, and Nicole opens up about rebuilding her life and studio after losing her home in the LA fires. Whether you're rebuilding from life's curveballs or just trying to get your financial footing, this episode is packed with real-world advice and heart. Read about U.S. Bank's findings Learn how U.S. Bank can help you with your financial goals All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments.