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Estate Planning Strategies

Christopher Small

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Estate Planning Strategies is a podcast dedicated to everything estate planning, including: wills, trusts, guardians, power of attorney, medical power of attorney, legacy, wealth creation, asset protection, estate taxes, generation skipping taxes, income taxes, charitable giving, charitable trusts, irrevocable trusts, revocable trusts, life insurance trusts, IRA trusts. If it's estate planning related, we'll be talking about it.
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Hosted by No5 Chambers and guests provide expert commentary on planning & environmental law; planning appeals; judicial review; local authorities; and the housing and development issues facing England and Wales.
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Planning XChange

Jess Noonan & Peter Jewell

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Planning Xchange is an interview series of built environment professionals doing interesting work beyond the ordinary. Guests include town planners, architects, urban designers, landscape architects, academics, historians, CEO's (and much much more!). Featuring podcast hosts Jess Noonan and Peter Jewell.
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Financial and retirement planning guidance from Mike Flanders of the Strategic Planning Corporation in Colfax, NC. We’ll strive to make sure you have a clear view of all the issues that impact your decisions so that you’re prepared for your financial future.
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Navigating Estate Planning With Rose Harper Law

navigatingestateplanningwithroseharper

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Leaving a Legacy: Navigating Estate Planning with Rose Harper Law is a podcast dedicated to making estate planning simple and accessible. Hosted by legal experts, each episode breaks down essential topics to help you protect your loved ones, minimize stress, and ensure your legacy is secure.
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Welcome to Financial Planning Unlocked – bringing together our investment and financial planning experts to discuss the latest hot topics. If you’re looking for information about how to make the most of your money and manage your personal finances, our Financial Planning Unlocked series covers a wide range of topics from financial wellbeing to inheritance tax.
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Hosted by Jeffrey Bellomo, Esq., CELA, LLM, and over 20 years of experience practicing in estate planning. We’ll discuss all things Estate Planning and Law. Our mission is to help educate so that what happened to the Bellomo family doesn’t happen to you. We hope to answer your most burning questions and support you with a solution to estate planning that works for you and your loved ones.
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Embark on a journey with us around the world. The global travel planning podcast is filled with travel inspiration, itinerary ideas, real life adventures, practical tips and insights to fuel your wanderlust and help you make your travel dreams a reality.
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Do you know what will happen to your loved ones when something happens to you? If you don’t know the answer, or don’t like the answer, then this is the show for you. Listen up as we teach you about protecting your family legacy through better estate planning. The host of the Complete Estate Planning Podcast is Attorney Nick Rosenbauer of the Cincinnati area.
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College planning is stressful! We bring you the latest news on choosing a good fit college, presenting yourself effectively in college applications, writing effective college essays, building a successful high school resume, and navigating the college admission process successfully.
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Have We Got Planning News for You is a light-hearted review of the last two weeks developments by five barristers from across the Planning Bar: Paul Tucker KC, Mary Cook, Sasha White KC, Thea Osmund-Smith, Charles Banner KC and Christopher Young KC. We invite a special guest from the most influential ranks of the Planning World, and we host a special topic each week from Garden Cities to Planning Reform. The views expressed by our guests are their own and do not necessarily represent the vie ...
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Booked on Planning

Booked on Planning

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Booked on Planning is a podcast that goes deep into the planning books that have helped shape the world of community and regional planning. We dive into the books and interview the authors to glean the most out of the literature important for preparing for AICP certification and just expanding your knowledge base. ​We are all busy with our day to day lives which is why we condense the most important material into short 30 minute episodes for your commute, workout, or while you are cleaning u ...
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Everything Estate Planning

Valerie Zammitti

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Our goal is to provide valuable information so you can reach PEACE OF MIND through planning. FOLLOW NOW so you are armed with straight forward planning tips for when you're ready to get started! EASIEST WAY TO REACH US: https://www.zammittilaw.com http://www.yourplanningattorney.com ABOUT VAL -- Valerie is an admitted math nerd who never intended on becoming an attorney. A little bit of luck helped her find estate planning, elder law and probate as her focus. Valerie’s natural care-giver ten ...
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Informed Decisions Independent Financial Planning & Money Podcast

Paddy Delaney (Parent, Educator, Qualified Planner & Executive Coach)

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Take control of your financial future by joining us on Ireland's Independent & award-winning Investment & Retirement Planning Podcast, with Paddy Delaney (QFA RPA APA). Join Paddy & guests as they cut through the noise, nonsense and smoke-n-mirrors of financial services in Ireland. We want you to avoid costly mistakes and to make informed financial decisions in your investments and retirement planning. Paddy Delaney QFA RPA APA
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Congratulations on your engagement! The Pre Nup is a wedding planning podcast to help you plan for your big day! Each week, we are joined by the top wedding professionals, celebrity brides, and more to discuss wedding inspiration, wedding planning mistakes, wedding tips, wedding advice, and wedding trends! Subscribe now or forever hold your peace!
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Are you ready to own the college planning process as a softball family? Then you’re in the right place! I’m your host, Quincy Lewis-Buggs, and I’m a former DI, D2, and D3 college coach, D2 pitcher, and education/athletic administration major. Join me (along with some amazing guests) as we discuss college planning, finding your perfect fit, academics, and more! COMMUNITY: https://www.diamonddynamics.org/connect-with-us.html CONNECT: [email protected] WORK WITH ME: https://www.diamond ...
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McGuireWoods is thrilled to announce the launch of a new podcast hosted by Steve Murphy, chair of the firm’s private wealth services practice group. “Legacy Planning, Once Removed” explores estate planning and provides steps for the management of wealth throughout life and upon death. Steve showcases meaningful ways to pass wealth on to others and accomplish donors’ financial short- and long-term goals. Over the next 25 years, baby boomers will pass an unprecedented $68 trillion to beneficia ...
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Kowal Investment Group - Now Creative Planning

Kowal Investment Group - Now Creative Planning

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With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning. Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision. You can listen to the Kowal Investment Group - now Creative Planning, "Retirement Clinic" podcasts, with retirement and inve ...
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Financial Life Planning for Busy Parents

Mike Morton, CFP®, RLP®, ChFC®

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Are you super busy with your career, kids, and life? Discover ways to get organized and enjoy a wonderful life! We cover smart strategies for personal finance, investing, and how to enjoy your time and money. Breakthrough the complicated financial landscape with easy-to-understand information that you can actually follow. I discuss how to become wealthy: tips and habits to change in your life to achieve financial freedom. I dive into topics such as savings, investing, education planning, ins ...
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Steadfast Care Planning is for people who want to learn how to best plan for their longevity including how to navigate extended care, long-term care insurance options, and other challenges that older adults face. Join Kelly Augspurger, Certified Senior Advisor (CSA)® and long-term care insurance specialist as she has thought-provoking conversations with industry professionals. Tune in as Kelly guides you on how to plan for care to live well.
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Your Retirement Planning Simplified

Joseph Curry, CFP Professional

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Welcome to the Retirement Planning Simplified Podcast. Join Joseph Curry, CFP Professional and retirement planning specialist, to learn how to simplify your retirement planning. If you're approaching retirement or have already entered your early retirement years, this podcast is designed to help you answer your big retirement questions like... Can I afford to retire? How do I create a paycheck in retirement? How do I pay less tax in retirement? And even big questions about life after work. T ...
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Planning Phase Syndicate

Planning Phase Syndicate LLC

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Planning phase syndicate is a collective of X-Wing miniatures game players, sharing their experiences with the game. They will strive to bring you a variety of content from training and how to videos all the way to streamed games and hot meta-takes. The show’s focus Will be both to teaching new players as well as helping to hone those veterans skills. With fun, educational, and creative content, they will endeavor to add value to the listeners X-Wing experience. With some in-depth discussion ...
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Harness the Power of Planning

https://bywdreams.mailerpage.com/

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I'm on a mission to help you avoid burnout by prioritizing yourself and your goals through actionable, accessible, science-backed content. I know how challenging it can be to focus on yourself when "life gets in the way", and I want to help you live in a proactive-by-design way rather than a reactive-by-default one by harnessing the power of planning. This isn't just about doing more, this is about productivity that is aligned with your true self. Feeling burnt out? Get my FREE 1-page cheat ...
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Planning After Dark

Planning After Dark

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Welcome to Planning After Dark, the bold and insightful podcast where three powerhouse women in planning and development—Alex Notay, Catriona Riddell, and Jackie Sadek—shine a light on the industry’s biggest challenges, trends, and, yes, even a bit of behind-the-scenes gossip. With decades of experience shaping policy, leading major urban regeneration projects, and influencing government decisions, these experts bring candid conversations, deep insights, and refreshing perspectives to the wo ...
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Welcome to The Verdict: Estate Planning Through Film podcast by Farella Braun + Martel’s Private Client Group. In each episode, Farella Family Wealth Partner Hons Yung and his guest will provide an entertaining look at family wealth and estate planning topics through well-known Hollywood movies. Along with thought-provoking discussions of real-world legal issues, the episodes will include lively conversations about the movie itself, including fun facts, favorite scenes, and more. And lastly, ...
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Welcome to conversations about Advance Care Planning. This is the podcast where we talk about Advance Care Planning, what it is, how to do it and why it matters. Conversations about Advance Care Planning has grown from my passion to support professional understanding and promote public awareness about planning ahead. If you are a team looking to provide better end of life care, or set up a one off or complete education programme in end of life care head to https://www.speakformelpa.co.uk whe ...
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***Voted "Most Informative Podcast" in the Disney Podcast Awards*** A Disney World planning show covering topics that include touring plans, packing tips, travel with kids, Disney Dining Plan, which rides to ride, Disney resorts, magical touches to add to your trip + lots more. Visit WDWPrepSchool.com for even more tips.
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Join Hannah (wedding planner expert) and Hayley (wedding florist extraordinaire) here to spill the tea on the inside of wedding planning and everything that goes with it! Expect our honest opinions, the real juice on what happens on a wedding day, with a few tips thrown in between, and of course, just a chat between friends! Not only will you come away laughing (more at us than with us!) you will also get a few very helpful (of course) top tips to take away for your wedding planning – all fo ...
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Get ready to experience the ALL NEW WAY to thrive throughout your engagement by embracing who you are, prioritizing what you value, and ultimately designing an unforgettable wedding celebration of your dreams! Welcome to the WEDDING PLANNING PODCAST, where we say “NO” to the $72 billion dollar wedding industry, and we say “YES” to a more joyful engagement season where your mindset, values & wedding strategy are all in perfect alignment with YOU. Ready to get started?
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UK Travel Planning

Tracy Collins

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The UK Travel Planning Podcast is full of practical tips and advice to help you plan your dream trip to the UK whether you are visiting England, Scotland, Wales or Northern Ireland. Travel expert Tracy Collins shares years of knowledge and experience of travelling to, and around, the UK to help you plan your UK itinerary. Listen to special guest interviews full of travel inspiration and practical tips for popular and off the beaten path destinations. Learn more about the best ways to travel ...
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Welcome to the Steadfast Wealth Planning Podcast, where faith and financial wisdom come together to help you build a prosperous future. Hosted by Cody Stansell, Owner and Senior Wealth Advisor, this podcast offers expert advice on Christian-based financial planning for individuals, families, and business owners looking to create a life of purpose and fulfillment. In each episode, we cover a range of topics, including investment strategies, tax planning, retirement preparation, and wealth man ...
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Let's ditch the wedding planning "must-dos", stress, & pressure, so you can plan the wedding of YOUR dreams... on budget! Jamie Wolfer is an experienced wedding planner and host of a very popular YouTube channel with wedding advice. She's got love for all couples on all budgets and empowers each couple to plan their wedding around what matters most to them personally. No one size fits all weddings here. In this podcast, Jamie answers real questions from engaged couples in her community. Occa ...
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Repair The Roof - Estate & Retirement Planning Podcast

Ted Gudorf, Danny Gudorf, Gudorf Law Group, Gudorf Financial Group

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Repair The Roof is an estate and retirement planning podcast hosted by Ted and Danny Gudorf from Gudorf Law Group, LLC and Gudorf Financial Group, LLC in Dayton, Ohio. This insightful series zeroes in on essential topics such as estate planning, retirement readiness, legacy preservation, and tax strategies. Ted and Danny expertly guide listeners through the intricacies of preparing wills and trusts, ensuring asset protection, and planning for a financially secure retirement. Geared specifica ...
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Get ready to uncover the wonders of one of London’s most significant landmarks, the Tower of London! Standing proud on the banks of the River Thames, this UNESCO World Heritage Site is a treasure trove of history, filled with captivating tales that span nearly a millennium. In this episode, we delve into the Tower's fascinating origins, exploring i…
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#328 | 🛡️Business Owners: Is Your Legacy at Risk? Your business is one of your most significant assets. — but what happens if it’s not properly protected? What even is business protection planning? Consider these critical risks you can't afford to ignore: • Family disputes over ownership or control • Costly legal battles or business interruptions •…
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Thinking about a destination wedding but don’t know where to start? This week, I’m joined by Nina Orsimarsi, a 2025 bride who’s planning her dream wedding in Italy and sharing everything you need to know about booking an international venue, finding vendors abroad, and making a destination wedding actually affordable. From hidden costs to wedding d…
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In episode 454 of WDW Prep to Go, I talk to Deb about her solo trip to Disney World. Her journey begins at Animal Kingdom Lodge and ends at Signia by Hilton Orlando Bonnet Creek. Deb shares her experiences, tips, and tricks from her fifth annual solo trip to Disney World, including detailed day-by-day activities. Post trip begins: 30 minutes Links:…
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Save time and energy on MULTIPLE fronts by practicing Keystone Habits. I'll explain what are they and why are they such a powerful tool in your tool belt.🗝️ The Power of Habit by Charles Duhigg https://amzn.to/4c0DZLj⁠⁠https://amzn.to/4c0DZLj⁠⁠ Website:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BYWDreams.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠…
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Back in 2020, I wrote a piece outlining the uncomfortable truth that active fund managers find it hard to wrestle with....that most of them consistently fail to outperform 'the market'. Fast forward to 2025, and guess what? Nothing appears to have changed. In this podcast, I'll share the following: Why low-cost index funds continue to outperform th…
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TL;DR - Too Long; Didn't Read - "Managing Tradeoffs" In our new TL;DR series episode, Jordan reads Jake's blog post where he discusses the concept of financial trade-offs. He uses examples like daily coffee purchases and family vacations to illustrate how small, regular expenses can accumulate over time. He emphasizes the importance of making consc…
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Send us a text In this episode of College Planning Simplified, Arielle is joined by Jared Rosenberg, the Interim Director of Admissions at the University of North Carolina at Chapel Hill. Jared shares valuable insights on the university's admissions process, including application statistics, acceptance rates, and the importance of extracurricular a…
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Nora Culley Tuck, owner and creative director of Engaged with Nora, is with us this week to discuss the challenges couples face when planning weddings, her approach to defining wedding aesthetics, and ways to save money while still creating a memorable event. Find Nora on Instagram at @engagedwithnora Visit thebridechilla.com for all the latest new…
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Wondering if Jango is the new deck to beat to see if your deck is competitive? Well we answer those questions tonight in a new episode discussing Jango and how to beat him. We also cover the new previews for the Galactic Championship. If that was not enough we also have several new decks tonight we cover and review why we think they are fun and com…
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Join Mike Morton and Matt Robison this week as they break down the income tax funnel, helping you understand how your earnings flow from total income to taxable income and, ultimately, to what you owe the IRS. They dive into key tax deductions, credits, and how different income types are taxed, all through the lens of a jaw-dropping $500,000 tax re…
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In light of recent legislative changes and policy announcements, we are at something of a hinge-point as to a vital question in planning practice – what is national policy, how is it organised, and what is its effect? In this episode, Daniel Henderson and James Corbet Burcher discuss the recent Court of Appeal judgment in Mead Realisations v SSHCLG…
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In this special NPC25 episode of the APA podcast, APA President Sue Schwartz, FAICP, interviews keynote speaker Dr. Mary Beth Janke about her experiences and insights on advancing wellness and building resilience. Dr. Mary Beth, who has over 30 years of experience in psychology, security, and investigative work, shares her thoughts on setting and a…
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Thinking about surrendering your annuity? Danny Gudorf warns about hidden fees, unexpected taxes, and why careful timing can make or break your financial future. He emphasizes the importance of understanding the structure of surrender fees, the potential tax liabilities associated with cashing out or transferring annuities, and the need for a compr…
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Ever wonder how retirement income is taxed in Canada? We look at tax brackets, RRSPs, RRIFs, TFSAs, CPP, OAS, and pension income is crucial for optimizing your retirement tax strategy. They explain marginal vs. average tax rates, the impact of dividends and capital gains, and how to minimize OAS clawbacks. Tune in to learn how to reduce your lifeti…
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A well-drafted trust should protect your assets, ensure your wishes are followed, and make things easier for your loved ones. However, even estate planning attorneys can make mistakes that lead to costly problems. In this episode, we’ll cover four major mistakes attorneys make when drafting trusts—so you can recognize and avoid them in your own est…
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There is a lot of talk about fostering the right “mindset” to facilitate personal growth and fulfilment. The most popular seems to be a “growth mindset,” compared to a “fixed mindset.” This episode explores a related concept — that of a “legacy mindset.” The legacy mindset is a mindset directed at an individual’s legacy or effect on people, institu…
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Andy chats with a real person (not an advisor) doing their own retirement planning. In this episode, Andy talks with Jim Jones. They talk about a wide array of retirement planning topics such as transitioning from owning a dental practice into retirement, investing, Social Security, when they got serious about retirement planning, and more! Links i…
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There's so much misinformation out there about playing high school softball and how it impacts playing in college and connecting with coaches. On this episode I chat about why most college coaches want their athletes to play high school ball! Connect with us: ⁠⁠⁠Our college planning program⁠⁠⁠⁠⁠⁠⁠ & Support Options ⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Fa…
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Jeff speaks with Sarah Bucher, a team member at Legend of Lancaster, an exceptional assisted living, personal care, and memory care community. Their personal care and memory care services—including personal care needs, medical needs, medication assistance, and memory support—vary from person to person depending on what each individual wants and nee…
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Episode Summary In this episode of Leaving a Legacy: Navigating Estate Planning with Rose Harper Law, sits down with estate planning attorney Rose Harper to discuss the crucial steps parents should take to protect their children at every stage of life. They explore why estate planning is essential for parents of minor children, the importance of na…
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Find out how a photo booth can bring energy to your event and capture moments your photographer might miss. This podcast is for engaged couples who are stressed out with wedding planning and family expectations but want a fun wedding day. Curious about how a photo booth can transform your wedding? Discover how a photo booth can elevate your wedding…
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In this week's episode of the podcast, Tracy welcomes back travel expert Tess Moone to uncover the wonders of Western Australia. Tess, a Perth local and seasoned travel blogger, shares invaluable insights for first-time visitors, from must-see destinations like Perth and Margaret River to essential travel tips on navigating distances, weather varia…
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Your bachelorette party is a really fun engagement milestone AND it'll be a breeze to plan with these easy planning guidelines + sample itineraries! Today's show also includes lots of your questions on party etiquette, gift giving, who plans what, and even a "tale of two parties" ... two very different bachelorette formats, each with their own pro'…
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Aaron Spitzner examines risk for those with Dementia and the potential impacts on their financial health, Jeff Kowal joins to share the best things about retirement, Aaron touches on gift tax reminders, and wraps up the show with frequently asked questions on Umbrella Insurance.저자 Kowal Investment Group - Now Creative Planning
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Meet the Host: Cody Stansell, Senior Wealth Advisor and Owner of Steadfast Wealth Planning Meet Cody Stansell, the passionate Senior Wealth Advisor behind Steadfast Wealth Planning, where biblical principles and comprehensive financial expertise come together. Cody's approach isn't about selling products—it's about building lifelong relationships a…
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This episode features Rich Hall, a certified exit planning advisor, discussing the importance of preparing businesses for sale. The conversation focuses on the challenges business owners face when selling their companies, the need for proper exit planning, and strategies to ensure a successful transition while aligning with personal and financial g…
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Two other episodes I think you’d like: What To Do & When - Wedding Planning Step-by-Step 21 Wedding BUDGET SAVING Tips Want to ask Jamie your wedding planning questions? Join her in The Master Plan! What did you think about this episode? What were your takeaways? I want to hear your feedback! Screenshot the episode and post your thoughts on Instagr…
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This week we talk about all the things involved in fling in 2025. From apps to water. Word of the Day - Real ID Cruise News - By Back To The Mouse.com NEWS Check out Back To the Mouse .com Find us on Social Media More of Michelle More of Doug The Original Rope Drop Radio Royal Caribbean Luggage Tag Holders https://amzn.to/3YswFmX NCL Luggage Tag Ho…
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This episode is dedicated to the memory and friend of the show, Jonathan Easton KC, who sadly passed away from bowel cancer on the morning of the 2nd of March 2025. Jonathan's family have nominated both St John's Hospice and Bowel Cancer UK as charities to donate to in his memory. If you can spare anything at all to donate to these two wonderful or…
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Spring is in the air (or at least it will be soon) and for some, that means it’s time for spring cleaning. Marie Kondo is considered an expert in tidying and decluttering, and wrote the book, “The Life-Changing Magic of Tidying Up.” Let’s take some of her quotes and concepts about tidying up and apply them to your financial life… Show Links & Info:…
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In the very first episode of Planning After Dark, hosts Alex Notay, Catriona Riddell, and Jackie Sadek are joined by Nick Kilby from Cratus Group, who dives into their winding career journeys, the state of the planning profession, and what needs to change. The discussion covers everything from the 2008 financial crash’s lasting impact to the courag…
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Laila Dudhill explains some of the challenges she faced when planning her new build home at the bottom of a sloping field. Not only did she have to deal with drainage across the site, diverting the natural flow of water away from the house, but also come up with a foul drainage strategy that would off-set phosphate discharge into the local watercou…
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This episode captures a vision of creating resilient communities that are not only eco-friendly but also accessible and inviting. We explore the five central themes of "The Sustainable Urban Design Handbook," with author Kaarin Knudson's, offering insights on energy efficiency, community connectivity, and innovative design strategies that cater to …
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Welcome to The Verdict: Estate Planning Through Film. Today, I'm joined by Farella Partner Greg LeSaint and Farella Senior Paralegal Joe Hilliard to discuss the movie The Terminator. Like the Terminator traveling back in time, Greg, Joe, and I discuss recent events concerning the Corporate Transparency Act, including where the CTA’s enforcement sta…
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Learn about the dangers of do-it-yourself estate planning, and hear first-hand stories about how easily mistakes can lead to prolonged, costly legal battles and damaged family relationships. Understand what you need to do to prevent "zombie estates" that languish for years.저자 Klenk Law
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Send us a text Crushing Medical Debt! 🏥💸 Have you ever been overwhelmed by astronomical medical bills? You're not alone! Today's convo is with Dr. Virgie Bright Ellington, an expert on navigating medical debt, and she has some game-changing advice. 🩺🔍 Medical bills are the leading cause of debt & bankruptcy in the U.S.—& they don't discriminate by …
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Olly Cheng, financial planning director and Samantha Boyd, investment director continue their conversation about teaching the younger generation money management skills. In this episode, our speakers explore savings and investments. Additional information: The contents of this podcast do not constitute a recommendation or advice and no action shoul…
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In this episode it is my pleasure to catch up with voiceover artist and podcast editor Martin as we bring another season to a close. We reflect on standout episodes from 100 to this point and share plans for podcast releases in the summer and the new season. Thank you to each and every listener and guest for helping grow Conversations about Advance…
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In PX128 our guest is architect and author Jorge Almazan. Jorge is a Tokyo-based architect and associate professor at Keio University. He holds a degree in architecture from the Polytechnic University of Madrid and a PhD from the Tokyo Institute of Technology. His practice focuses on ecologically responsible and socially inclusive design, ranging f…
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Episode 65 of the SWP Podcast saw me catch up with Jennifer Cline for the first time since SWP Conference - Austin in 2024. This wide-reaching conversation spanned multiple themes commencing with strategic workforce planning in a regulated environment – balancing short-term pressures, data challenges, and the future of work. With key discussion poi…
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