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Finance isn't for you. Money is for "experts" and that's not you. Financial content is too "complicated" and it's not for you. In this day and age, those are common...
show more
Finance isn't for you.
Money is for "experts" and that's not you.
Financial content is too "complicated" and it's not for you.
In this day and age, those are common and valid statements to make.
But what if it were different?
It's All Money is that show.
Imagine listening to a 20 minute episode and walking away with one nugget that could help you with money. Not a "system" you don't have time for or global "movement" to sap all your emotions. Just one tip that could help you feel informed in the moment of a financial decision. That's financial confidence, in your hip pocket.
Episodes span across 4 categories- financial markets, macro economics, tactical money saving tips and stories of people and money. Many consider those 4 completely different topics, but ultimately the lessons learned from each will end up hitting your checking account.
Because ultimately, It's All Money.
show less
Money is for "experts" and that's not you.
Financial content is too "complicated" and it's not for you.
In this day and age, those are common and valid statements to make.
But what if it were different?
It's All Money is that show.
Imagine listening to a 20 minute episode and walking away with one nugget that could help you with money. Not a "system" you don't have time for or global "movement" to sap all your emotions. Just one tip that could help you feel informed in the moment of a financial decision. That's financial confidence, in your hip pocket.
Episodes span across 4 categories- financial markets, macro economics, tactical money saving tips and stories of people and money. Many consider those 4 completely different topics, but ultimately the lessons learned from each will end up hitting your checking account.
Because ultimately, It's All Money.
15 NOV 2024 · Well...Tuesday November 5th has come and gone, and as expected some people are excited and others are fearful. We try and keep our shows focused on finance, not politics. But considering the weight of the event and the concerns and opinions floating around, we decided to do an episode about the financial implications of the election. Headlines can be deceiving, and it's natural to draw conclusions as national events happen: "Markets do better under (insert party name)" or "I heard (insert industry) is going through through the floor." But is that really true? What does the data from the past say? Are there more important business factors than the Presidency? With respect for wherever you fall on the political spectrum, host Daren Blonski CFP® and Marketing Director Dano Weir take a look at what the market and economic data might be telling us about the next 4 years for portfolios.
References:
https://www.pwc.com/us/en/library/pulse-survey/executive-insights-election-2024.html
https://finance.yahoo.com/news/blackrocks-larry-fink-says-us-143857961.html
https://www.cnbc.com/2024/11/07/heres-how-much-control-the-president-has-over-the-us-economy.html
https://www.visualcapitalist.com/sp/democrats-vs-republicans-does-it-matter-to-the-market/
https://www.newsweek.com/investors-money-democrats-white-house-stock-market-1976552
It's All Money is powered by Sonoma Wealth Advisors
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ _____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
31 OCT 2024 · It's a story you've heard before- you've got back pain, or knee pain, perhaps from running or too many years stuck at a computer. When you have a medical concern, if you have health coverage, you go to your health system, and whatever solution they present is all of what's available and is ultimately right for you. ...right?
Host Dano Weir challenges that thesis this week on It's All Money, with Doctor of Physical Therapy Josh Madonick DPT, PT, CSCS, Founder of Basecamp Physical Therapy in Petaluma, CA.
Depending on the condition, what if there were other options out there? What if you didn't have to get surgery? What if it cost money over several sessions to figure that out? What if it was...$400? Or $950? What if it cost less? More? Would you take that financial risk? Would the reward of no pain or no surgery be worth it to you?
Spoiler alert- this episode is not about an advocation one way or the other. We know many doctors and nurses within big health systems who do great work, and are just trying their best with a big patient load. The goal of this episode is to spur consideration of the idea that your financial plan and your health span might be more closely linked than you think! We hope you find it educational and stimulating to further thought.
It's All Money is powered by Sonoma Wealth Advisors
Learn more about Sonoma Wealth here: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbktTd1Bqd0V3LVBJemVTeEU4ZldZLVBXYXA2d3xBQ3Jtc0tsZktKY2xyck5ESnRJcWZNQXE4aTJIa2xXaHdmS1gyMUtyMlVqY2VuSDV4NTMwTXdKSWhNY3JQelNJcUpuamVGU2dWaFpTTV9UbG9DQTNWT2UxWVl6QnMwM3JzLXFIZ3RDVndKbVNrVHNDdGdVZDk2dw&q=https%3A%2F%2Fsonomawealthadvisors.com%2F&v=eBVtyvIxsSc
Learn more about Josh and Basecamp Phyiscal Therapy here: https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbTFuRWFwNEp0UUJiYXMwTmRUbTVnM0FUWHpYd3xBQ3Jtc0ttOXNUSFhSaGdBSXZZMHFUeG5SNEp2WUJud0tGQUdYU0p4RFdvdkhRYUQ2UWpEQVB3dk5UOTVVU0pmQVBueXMxZmY5LWtuZ2t1cG9SbU1IRlRqcktjVG0tSC1sX1N1YzNoUlQzTnB2MkRYbVlaMDNqQQ&q=https%3A%2F%2Fwww.petalumaphysicaltherapy.com%2F&v=eBVtyvIxsSc _____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
16 OCT 2024 · What other industry has 15 names for essentially the same job?!
Good ol' Finance.
Host Dano Weir dives into a perhaps more important word that begins with F, FIDUCIARY. What is it? How is it different than a Broker? Why does that matter for YOU?
(Side note- in an industry whose entire purpose is purportedly to enhance their clients money, why would you *ever* put BROKE in your job title? Anyway...)
Sonoma Wealth's Managing Principal Chris Sipes CFP® and Director of Growth Rachel Schuyler have both seen the various twists and turns of the industry throughout their career. They join Dano to help YOU understand the three main divisions in the financial services industry, how they're paid and what may or may not be the best fit for you.
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
References:
https://analyzingalpha.com/stock-brokerage-history
https://www.etymonline.com/word/broker
https://www.oed.com/dictionary/stockbroker_n?tl=true#:~:text=The%20earliest%20known%20use%20of,Etymons:%20stock%20n
https://www.letsmakeaplan.org/choosing-a-planner/fiduciary-duty-your-interests-should-come-first#:~:text=As%20part%20of%20their%20certification%2C%20a%20CFP%C2%AE%20professional,CFP%20Board%20doesn't%20guarantee%20a%20CFP%C2%AE%20professional's%20services.
_____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
2 OCT 2024 · "Risk Tolerance" likely makes your eyes flutter and you start to yawn... ...but snag a coffee for a second. Did you know your reported risk tolerance could determine where and what investments your entire portfolio goes into? Perk up friend, it's that important. Hosts Dano Weir and Daren Blonski, CFP® sit down with Sonoma Wealth Financial Advisor Shelby Wirick for a first-hand account of how her client's answers about risk tolerance determine what can ultimately happen with their portfolio. Find out right here on this episode of It's All Money. Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ _____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
20 SEP 2024 · FOR THE RECORD- this episode was recorded on Aug 21 2024. And just so happens to mention why Daren Blonski, CFP® typically in his experience advises against big portfolio moves in September/October. But why? Believe it or not, after years of doing this, Daren has noticed some unbelievably, potentially HUMAN excuses and cycles in the stock market. Often referred to as "Seasonality" these tropes are not a rule, but seem to be true more often than not. What's the "santa rally"? Why would things "go away in May"? And why is Fall potentially a "fall" ?
Hosts Dano Weir and Daren Blonski, CFP® dig in on the seasonality of the market in this episode of It's All Money.
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
References: https://www.thestreet.com/dictionary/retail-investors
https://www.investing.com/analysis/sell-in-may-and-walk-away-not-this-year-121730 _____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
4 SEP 2024 · That's right, it's an episode on CD'S!!!
WAIT
Before you hit the Snooze Bar 💤...
Why are some people seeking good ol' Certificates of Deposit in this high interest rate environment? How do they differ from Money Market accounts? Are they actually "no risk", "low risk" or something else? And just what IS the risk of a CD or Money Market?
Hosts Dano Weir and Daren Blonski, CFP® dig in the investment you thought you didn't care about, CD's on this episode of It's All Money.
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
References: https://www.investopedia.com/when-were-certificates-of-deposit-invented-5224230 https://www.forbes.com/advisor/banking/money-market-account/what-is-a-money-market-account/#:~:text=Money%20market%20accounts%20were%20created,interest%20rates%20on%20consumer%20deposits
_____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
20 AUG 2024 · Back to school costs are hitting all-time highs, but just what does that mean for the average family? Daren and Dan break down the averages category by category, float a theory about what's driving them and the shocking real-life test Dan ran that showed how your choice of store could increase your prices 155%. It's All Money is powered by Sonoma Wealth Advisors in Sonoma, CA. We value communication and education, and know that investments are just a piece of your financial puzzle. With this show, we offer our take on all the things that eventually hit your checking account.
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
References:
- https://www.marketwatch.com/story/families-will-spend-as-much-on-back-to-school-shopping-this-year-as-they-do-on-holiday-shopping-that-hurts-c4924bd1
- https://www.nerdwallet.com/article/shopping/2024-back-to-school-shopping-report
- https://www.cnbc.com/2024/01/24/many-americans-cannot-pay-for-an-unexpected-1000-expense-heres-why.html
- https://capitaloneshopping.com/research/back-to-school-shopping-statistics/ _____________________________________________________
- This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
31 JUL 2024 · You were born into this world and there just, *was* all this stuff- Nasdaq, S&P, futures, interest rates, bonds and now crypto.
Did you ever wonder where it all came from? WHY it all came from?
It's All Money Host and Sonoma Wealth Marketing Director Dano Weir sits down with Sonoma Wealth Co-Founder Chris Sipes CFP®, AIF® to discuss a tiny history of markets, why they happen and why they'll likely always happen. Plus enjoy a STUNNING story on why tulips in the Netherlands in the 1600s might mirror some of the biggest booms and busts in the history of the stock market.
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
References:
https://blogs.uoregon.edu/pogsforfun/ https://en.wikipedia.org/wiki/Buttonwood_Agreement https://en.wikipedia.org/wiki/Tulip_mania
_____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
17 JUL 2024 · It seems simple enough- "money markets" and other instruments are "paying 5% right now". Who doesn't want to make 5% on their money doing nothing? So should you shift your entire portfolio to something with purported reliable returns and alleged "lack of risk"? Wait...WHY are savings accounts paying 5%? It's All Money Host and Sonoma Wealth Marketing Director Dano Weir sits down with Sonoma Wealth Co-Founder Chris Sipes CFP®, AIF® to discuss the circumstances which have led to savings rates "partying like it's 2009" and potential upsides and downsides to making a move there. See the Slides and References here: https://sonomawealthadvisors.com/file/9/Its%20All%20Money%20Episode%202-Money%20Markets.pdf
_____________________________________________________
This content was produced by Fermata Advisors, LLC, an SEC registered investment advisor, d/b/a Sonoma Wealth Advisors. The opinions expressed by Fermata Advisors, LLC on this show are their own. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.
28 JUN 2024 · You pay your mortgage every month. But have you ever wondered what would happen if you paid it every 2 weeks instead? Daren and Dano run the numbers on a $500k scenario (which may work in some states, but perhaps not in others *cough* CALIFORNIA) and show the shocking impact of making just one more mortgage payment a year on your long-term financial picture. Plus enjoy a few fun financial happenings out the door including McDonald's new value meal and watch Daren's eyes roll back at the idea of a 24/7 stock market!
References:
https://www.dailymail.co.uk/yourmoney/consumer/article-13271893/mcdonalds-prices-doubled-ten-years.html
https://www.nasdaq.com/articles/contemplating-24-7-trading-at-nyse
Mortgage Numbers calculated with: https://www.mortgagecalculator.org/
Finance isn't for you. Money is for "experts" and that's not you. Financial content is too "complicated" and it's not for you. In this day and age, those are common...
show more
Finance isn't for you.
Money is for "experts" and that's not you.
Financial content is too "complicated" and it's not for you.
In this day and age, those are common and valid statements to make.
But what if it were different?
It's All Money is that show.
Imagine listening to a 20 minute episode and walking away with one nugget that could help you with money. Not a "system" you don't have time for or global "movement" to sap all your emotions. Just one tip that could help you feel informed in the moment of a financial decision. That's financial confidence, in your hip pocket.
Episodes span across 4 categories- financial markets, macro economics, tactical money saving tips and stories of people and money. Many consider those 4 completely different topics, but ultimately the lessons learned from each will end up hitting your checking account.
Because ultimately, It's All Money.
show less
Money is for "experts" and that's not you.
Financial content is too "complicated" and it's not for you.
In this day and age, those are common and valid statements to make.
But what if it were different?
It's All Money is that show.
Imagine listening to a 20 minute episode and walking away with one nugget that could help you with money. Not a "system" you don't have time for or global "movement" to sap all your emotions. Just one tip that could help you feel informed in the moment of a financial decision. That's financial confidence, in your hip pocket.
Episodes span across 4 categories- financial markets, macro economics, tactical money saving tips and stories of people and money. Many consider those 4 completely different topics, but ultimately the lessons learned from each will end up hitting your checking account.
Because ultimately, It's All Money.
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