Du Charme Wealth Management podcast

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Branden DuCharme에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Branden DuCharme 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

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Lost Cultures: Living Legacies

Lost Cultures: Living Legacies podcast artwork

Lost Cultures: Living Legacies podcast artwork

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Bermuda: The Crossroads of the Atlantic 51:57

20일 전51:57

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나중에 재생

51:57

On the Season 2 debut of Lost Cultures: Living Legacies , we travel to Bermuda, an Atlantic island whose history spans centuries and continents. Once uninhabited, Bermuda became a vital stop in transatlantic trade, a maritime stronghold, and a cultural crossroads shaped by African, European, Caribbean, and Native American influences. Guests Dr. Kristy Warren and Dr. Edward Harris trace its transformation from an uninhabited island to a strategic outpost shaped by shipwrecks, colonization, the transatlantic slave trade, and the rise and fall of empires. Plus, former Director of Tourism Gary Phillips shares the story of the Gombey tradition, a vibrant performance art rooted in resistance, migration, and cultural fusion. Together, they reveal how Bermuda’s layered past continues to shape its people, culture, and identity today. You can also find us online at ⁠travelandleisure.com/lostcultures Learn more about your ad choices. Visit podcastchoices.com/adchoices…

Du Charme Wealth Management Podcast

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Branden DuCharme에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Branden DuCharme 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

Educating and empowering individuals that want to have more effective engagements with professionals around their financial lives.
DISCLAIMER: Information presented is for your educational purposes only and should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

… continue reading

64 에피소드

#Trading #Business #Branden Ducharme

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Du Charme Wealth Management Podcast

updated 5일 전

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시리즈 홈•Feed

Branden DuCharme에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Branden DuCharme 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

Educating and empowering individuals that want to have more effective engagements with professionals around their financial lives.
DISCLAIMER: Information presented is for your educational purposes only and should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented.
Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

… continue reading

64 에피소드

#Trading #Business #Branden Ducharme

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When Do You Actually Need a Financial Advisor? 50:59

5일 전50:59

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나중에 재생

50:59

Financial planning is more accessible than ever before, with technological advancements making quality advice available to everyday people rather than just the ultra-wealthy as in decades past. • Life events like marriage, divorce, inheritances, and passing away often trigger the need for financial guidance • Starting conversations with advisors early prevents costly financial cleanup later • Many people delay seeking advice thinking they need to organize finances first • Organization and consolidation of scattered accounts provides clarity on your true financial position • Tax planning can save thousands through strategic timing and appropriate vehicles • Be cautious of sales pitches that sound too good to be true, especially regarding life insurance as investments • Second opinions from fiduciary advisors can prevent costly mistakes with complex financial products • Financial plans should be customized to your unique situation, not one-size-fits-all • Most reputable advisors offer free initial consultations to determine if they can help • Technology has made quality financial advice accessible to the "mass affluent" - regular people • Finding an advisor you understand and trust is critical for long-term financial success If you're in the St. George area, we're hosting a workshop in June to teach people how to set up their own retirement plans. It's educational, workshop style with no sales pitch. Contact us to RSVP and get preparation materials sent to you ahead of time. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Why the Next Market Cycle Could Finally Favor Mid and Small Caps 32:25

12일 전32:25

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나중에 재생

32:25

Deregulation might be the most underappreciated market catalyst on the horizon. While headlines fixate on tariffs and tax policy, the potential reduction of regulatory burdens could unleash a wave of growth for America's small and mid-sized companies that have languished in the shadow of mega-cap dominance. The burden of regulation falls disproportionately on smaller businesses. When a company must comply with complex regulations, the associated costs impact a small or mid-cap's bottom line far more severely than they do for cash-rich large caps. This regulatory disadvantage may partly explain why smaller companies have struggled while the S&P 500, dominated by a handful of tech giants, has soared to record highs. Consider the potential impact across sectors: HVAC companies freed from strict emission standards, energy firms with streamlined permit processes, regional banks with more flexible lending requirements, and accelerated nuclear energy development. Each represents an opportunity for earnings expansion that may not be fully priced into current valuations. The implications extend beyond quarterly reports. Deregulation historically unleashes what economists call "animal spirits"—encouraging more aggressive business expansion, increased M&A activity, faster innovation cycles, and a renewed entrepreneurial culture. After years where small caps have effectively experienced a "lost decade" of returns, regulatory relief could finally trigger the sector rotation that contrarian investors have anticipated. This shift wouldn't just benefit portfolios—it might help heal broader societal divides. Many Americans feel the economic system favors large corporations, especially after watching big businesses thrive through COVID while small enterprises struggled. Contrary to popular belief, heavy regulation often reinforces this advantage, making compliance costs proportionally heavier for smaller players. Are we approaching a multi-year inflection point where market leadership broadens beyond a handful of tech giants? The answer may depend on whether policymakers follow through with meaningful regulatory reform. For investors positioned ahead of this potential shift, the rewards could be substantial. Connect with guest Michael A. Gayed, CFA on LinkedIn: Link: https://www.linkedin.com/in/michael-a-gayed-cfa/ Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #wealthmanagement #stgeorgeutah #estateplan #southernutah #investmentstrategy #StockMarket #WealthManagement #FinancialPodcast #InvestmentStrategy and #MarketAnalysis. [00:00:00] Intro/Tariffs vs Deregulation Debate. [00:03:05] Impact of Regulation on Companies. [00:06:40] The Small-Cap Opportunity. [00:11:40] Deregulation and Market Volatility. [00:18:20] Banking Sector and Credit Spreads. [00:24:40] Passive Flows vs Active Management. [00:29:05] Cultural Impact of Deregulation. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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When Buyers Don't Care About Value: How Passive Money Distorts Everything 1:27:35

19일 전1:27:35

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1:27:35

The passive investing revolution has fundamentally changed market structure by making markets highly inelastic - small changes in supply and demand create large price movements, especially in the largest stocks. • Passive strategies like index funds don't evaluate price or value - they simply buy when receiving cash and sell when cash is demanded • Every dollar flowing into large-cap stocks can create up to $100 in market capitalization through a multiplier effect • Active managers who sell overvalued securities lose their "voice" in the market, reducing price discovery • Value investing has struggled partly because passive flows reinforce momentum in the largest stocks • The system depends on continuous inflows - if people stop contributing due to job loss or retirement, prices could fall dramatically • The dot-com bubble was partly driven by similar mechanics related to low-float stocks and index futures • These distortions affect bonds as well as stocks, explaining anomalies in yield curves • Most investors remain unaware of these structural changes, like "fish unaware of water" Guest: Michael Green, CFA Webpage: https://www.simplify.us/leadership X: https://x.com/profplum99 Webpage: https://www.yesigiveafig.com/podcast Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #wealthmanagement #stgeorgeutah #estateplan #southernutah #investmentstrategy [00:00:00] Intro/Passive Flows Distort Market Pricing. [00:05:53] Mike Green's Career Journey. [00:13:55] The Sharpening of Passive Management. [00:24:32] Understanding Market Inelasticity. [00:42:12] How Size Affects Stock Elasticity. [00:55:52] Value Distortion and Corporate Debt. [01:11:03] Credit Markets and Bankruptcy Risk. [01:22:32] The Dot-Com Bubble and Passive 1.0. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Rising Interest Rates Are Squeezing Commercial Real Estate Profits 44:47

26일 전44:47

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나중에 재생

44:47

The commercial real estate world is experiencing seismic shifts as developers struggle to make new projects pencil out in today's challenging economic environment. At the heart of this evolution is the drive-thru retail sector, where experts like Chris Hatch have spent decades perfecting the delicate balance between land costs, construction expenses, and tenant rents. When you pull up to your favorite coffee shop or fast-food drive-thru, you're experiencing the end result of a complex development process. Behind that convenient service window lies months or years of site selection, financial modeling, and careful negotiation. With interest rates substantially higher than in recent years, the traditional formula has been disrupted, creating what Hatch describes as "five straight years of absolute pain trying to figure out how to solve pro formas." What makes this particularly challenging today is the perfect storm of economic factors: landowners reluctant to reduce prices, construction costs remaining elevated, municipalities charging substantial impact fees, and end investors demanding higher returns to offset increased borrowing costs. The result is a squeeze on developers trying to make projects financially viable. Guest: Chris Hatch is the Manager of the Forza and is proud to be a third-generation real estate professional. He started his real estate career learning under the tutelage of his father and grandfather. After several years of establishing his base knowledge in real estate, Chris joined Professional Brokers in 2002. At Professional Brokers, Chris was an active commercial sales and leasing agent and helped with acquisition and disposition as well as assisting a handful of retailers with expansions throughout the Intermountain Area. In 2006, Chris created a partnership with Jake Olson creating a boutique retail brokerage shop, IRG Retail. Chris holds active real estate broker licenses in Utah, Montana, Nevada, and Idaho. He is an avid outdoorsman as well as a rabid LV Raiders fan. Over the years, he has worked with developers, architects, engineers, city officials, banks, property owners, and many retailers. Chris believes clear and timely communication is essential in maintaining an effective working relationship with clients. Connect with Chris: http://legendllp.com/ http://forzacommercial.com/ Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #wealthmanagement #stgeorgeutah #estateplanning [00:00:00] Growth and Challenges in Retail Development. [00:09:10] The Dirt Dog Approach to Site Selection. [00:16:56] Building the Pro Forma and Deal Killers. [00:25:21] Market Shifts and Rising Interest Rates. [00:34:10] Drive-Thru Specialization and Development Timeline. [00:42:07] Commercial Real Estate Investment Opportunities. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Avoid Budget Battles With Your Partner 31:05

5 weeks 전31:05

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31:05

Ever wonder why money arguments with your partner feel so much bigger than the actual dollars involved? Marriage and family therapist David Jones reveals the powerful emotional undercurrents that drive financial conflicts in relationships. Jones introduces a compelling metaphor: money disagreements are merely visible waves on the surface, while beneath runs a powerful emotional undertow that determines how couples navigate all challenges. "It's not about the money," he explains. "It's about the cycle that couples find themselves in that is emotionally driven." Drawing from attachment theory, Jones demonstrates how childhood experiences shape our money mindsets. Some develop a scarcity perspective from financial insecurity, while others adopt an abundance approach – when these clash in relationships, conflict naturally follows. More revealing is the pursuer-withdrawer dynamic, where one partner persistently raises financial topics while the other avoids them. Surprisingly, the avoider often cares deeply but withdraws from fear of inadequacy or rejection. The solution isn't better budgeting tools but creating emotional safety through "metacommunication" – discussing how we feel about money conversations before tackling actual numbers. Jones offers practical communication strategies: using "I messages" instead of accusatory statements, approaching discussions with curiosity instead of blame, and prioritizing listening over speaking. Perhaps most valuable is Jones' insight into financial infidelity, which ranges from deliberate deception to avoidance behaviors rooted in shame. Through his Emotionally Focused Therapy approach, he demonstrates how addressing the underlying emotional needs creates the secure foundation necessary for financial teamwork. Want to transform your financial relationship? Stop focusing exclusively on dollars and start creating the emotional safety needed for vulnerable conversations. When couples achieve this security, they become "unstoppable" in facing financial challenges together, regardless of their severity. Guest: David Jones Secure Connection Counseling: https://secureconnectioncounseling.com/ Phone: 435-767-1532 Host Carisa Bertrand, AWMA: DucCharme Wealth Management: https://ducharmewealth.com/our-team/ Phone: 435-288-3396 #wealthmanagement #stgeorgeutah #southernutah #moneymanagement #moneymatters #emotionalintelligence #infidelity [00:00:00] Intro. [00:02:10] Money Mindsets in Relationship Dynamics. [00:06:20] Attachment Theory and Financial Behaviors. [00:10:00] Navigating Mismatched Money Beliefs. [00:14:30] Creating Safe Financial Conversations. [00:21:30] Financial Infidelity and Avoidance Patterns. [00:27:30] Emotionally Focused Therapy Approach. [00:30:00] Key Takeaways for Relationship Communication. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Transparent Protection: How Buffered ETFs Change the Investment Game 33:16

6 weeks 전33:16

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33:16

The investment world has long been divided between growth-seeking equity exposure and safer, income-producing alternatives. But what if you could bridge this gap with a strategy that offers downside protection while maintaining meaningful upside potential? Enter buffered ETFs – innovative investment vehicles that are challenging traditional risk management approaches. Buffered ETFs represent a transparent alternative to insurance-based products like fixed index annuities, providing defined downside protection over specific outcome periods while capturing a significant portion of market gains. Unlike annuities with surrender charges and opaque fee structures, these ETFs offer daily liquidity, clear parameters, and superior tax efficiency through potential long-term capital gains treatment rather than ordinary income taxation. The mechanics behind these products are surprisingly straightforward. Using a three-part options strategy, buffered ETFs purchase deep in-the-money calls for upside exposure, implement put spreads for downside protection, and sell calls at the precise level needed to fund the protection – all while maximizing potential returns. This elegant structure ensures investors receive the highest possible cap rates without hidden fees or marketing gimmicks. Perhaps most valuable is how buffered ETFs address the behavioral challenges that plague many investors. By defining the maximum potential loss, these products help investors stay the course through market turbulence rather than selling at precisely the wrong time. For conservative investors who might otherwise retreat to cash or low-yield fixed income, buffered ETFs offer a bridge to equity market participation with a risk profile they can tolerate. In today's uncertain environment, particularly with concerns about tariffs and their unpredictable economic impact, buffered ETFs provide a structured way to prepare portfolios for various outcomes. They're especially compelling for tax-sensitive investors seeking defined risk parameters while maintaining equity exposure. Guest: Tim Urbanowicz, CFA. LinkedIn: https://www.linkedin.com/in/tim-urbanowicz/ Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ Phone: 435-288-3396 Address: 50 East 100 South, Suite 300 St. George, UT 84770 OR Phone: 262-505-5740 Address: 2665 S Moorland Road, Suite 212 New Berlin, WI 53151 #podcast #bondmarket #wealthmanagement #investing #investmentstrategy #southernutah #stgeorgeutah #etfinvestment [00:00:00] Intro. [00:03:57] How Buffered ETFs Are Built. [00:08:15] Tax Efficiency vs. Annuities. [00:15:40] Overcoming Behavioral Investment Biases. [00:23:21] Market Outlook and Tariff Considerations. [00:29:46] Final Thoughts and Considerations. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Who Gets Your Stuff? The Documents That Speak When You No Longer Can 28:53

7 weeks 전28:53

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나중에 재생

28:53

Your estate plan isn't complete when you sign those documents – it's just beginning. After working intensively with clients on estate planning this quarter, we've uncovered the critical gaps between having legal documents and having an effective estate plan that actually works when needed. Most people believe estate planning begins and ends with an attorney drafting legal documents. But the reality is far more complex. Those thick binders of legal paperwork are useless if your loved ones can't find them in an emergency or if your accounts aren't properly aligned with your plan. We've seen firsthand how small oversights – like outdated beneficiary designations or improperly titled business accounts – can completely derail even the most carefully crafted estate plans. What happens when you're still alive but unable to communicate your wishes? This question haunts families who must make medical decisions without clear guidance. We explore why healthcare directives and powers of attorney might be the most important documents you'll ever sign, even though they're frequently overlooked. Nothing creates more family tension than disagreements about what a loved one "would have wanted" during a medical crisis. For business owners, we discuss the unique challenges of integrating business interests into estate plans. Unlike personal accounts, business accounts typically can't have transfer-on-death designations, creating potential complications without proper planning. We share strategies for ensuring business assets transfer smoothly without disrupting operations. Whether you're 18 or 80, estate planning matters! Even young adults need basic documents like healthcare powers of attorney since parents lose legal authority when children turn 18. We provide practical guidance on keeping your documents organized, accessible, and aligned with your current wishes through life's many changes. Ready to move beyond the paperwork and create an estate plan that truly protects your legacy? Contact us today! Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ Phone: 435-288-3396 Address: 50 East 100 South, Suite 300 St. George, UT 84770 OR Phone: 262-505-5740 Address: 2665 S Moorland Road, Suite 212 New Berlin, WI 53151 #wealthmanagement #investing #southernutah #stgeorgeutah #longtermcare #estateplanning #estateagent #estatetaxes #podcast [00:00:00] Intro. [00:01:02] Introduction to Estate Planning Basics. [00:03:10] Key Estate Planning Documents Explained. [00:09:50] Beyond Documents: Organization is Crucial. [00:15:57] Common Beneficiary Designation Mistakes. [00:19:37] Business Interests and Estate Planning. [00:23:50] Healthcare Directives and Difficult Decisions. [00:27:42] Final Thoughts and How to Get Started. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Portfolio Construction in a Volatile Market 52:18

8 weeks 전52:18

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나중에 재생

52:18

The investment landscape is transforming before our eyes, and old paradigms simply won't cut it anymore. In this conversation with Paisley Nardini, we dive deep into what modern portfolio construction really means in today's volatile market environment. Paisley brings her institutional expertise to bear on questions every investor is asking: Is the 60-40 portfolio truly dead? How should we think about alternatives? What's the difference between backward-looking portfolio construction and forward-thinking approaches? With candor and clarity, she challenges conventional wisdom while offering practical insights that both advisors and individual investors can apply. One of the most powerful revelations from our discussion is Paisley's observation that "diversification means there's always something in your portfolio that you hate." This uncomfortable truth highlights why true diversification feels difficult - it requires owning assets that don't all move in lockstep, creating natural tension but ultimately greater stability. We explore the evolution from the traditional 60-40 split to what Paisley calls the 50-30-20 approach, with that crucial 20% representing alternatives as the "third leg of the stool." We dissect the differences between private market investments (with their liquidity constraints) and liquid alternatives that provide diversification without sacrificing accessibility when markets present opportunities. For advisors and investors alike, this episode offers a masterclass in thinking beyond asset classes to objective-based portfolio construction. As markets continue their volatile dance and correlation patterns shift, understanding these dynamics isn't just academic - it's essential for navigating the financial future with confidence. Guest: Paisley Nardini, CFA, CAIA Bio: Paisley is a portfolio manager and multi-asset strategist at Simplify focused on product innovation, thought leadership and portfolio management. She is a frequent author of thought leadership and marketing initiatives. She also sits on the investment strategy committee for The Wealth Consulting Group. Prior to Simplify, she was a client portfolio manager and strategist for Invesco's Multi-Asset Solutions team, overseeing the business management and growth of the investment strategies. Email: paisley.nardini@simplify.us Webpage: https://www.simplify.us/leadership Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ [00:00:00] Intro-Is the 60-40 Portfolio Dead? [00:03:30] Market Volatility and Portfolio Construction. [00:11:20] Diversification's Uncomfortable Reality. [00:18:20] Private Markets: Liquidity vs. Returns. [00:30:20] The Case for Liquid Alternatives. [00:43:15] Active Management Evolution. [00:52:10] Conclusion and Passive Flows Discussion. #podcast #wealthmanagement #investing #southernutah #stgeorgeutah #investmentstrategy #advisors DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Ready to Take Control of Your Tax Situation? 30:14

9 weeks 전30:14

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나중에 재생

30:14

The frustration is all too familiar—you're sitting with your tax professional in March, desperately asking what can be done to reduce your tax bill, only to hear those dreaded words: "It's too late." Explore the critical difference between tax filing and tax planning, revealing why waiting until tax season is a costly mistake. We explore the reality that most CPAs and tax professionals simply don't have time during busy season to develop comprehensive tax strategies while processing hundreds of returns. Instead, effective tax planning happens now—immediately after filing season—when there's time to analyze opportunities and implement changes that will impact next year's return. From simple adjustments like checking withholdings on your paycheck (which saved one client $8,000 in penalties) to more complex strategies around retirement accounts, investment vehicles, and charitable giving, we break down practical ways financial advisors bridge the gap between your financial goals and tax outcomes. You'll learn the differences between CPAs and Enrolled Agents, understand how the increased standard deduction ($30,000 for married filing jointly in 2025) impacts traditional deduction strategies, and discover why tax-efficient investments matter—without letting "the tax tail wag the dog." Whether you have a complex financial situation or consider your taxes relatively simple, this episode offers valuable insights on how proactive planning can make a significant difference. The most powerful tax strategies aren't found in TikTok videos or last-minute tax filing appointments—they're developed through year-round collaboration between you, your financial advisor, and your tax professional. Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #wealthmanagement #investing #rothira #southernutah #stgeorgeutah #podcastclips #taxes2025 #irscompliance [00:00:00] Intro. [00:00:56] Tax Planning vs. Tax Filing. [00:04:01] Why CPAs Can't Do All Your Planning. [00:05:23] CPAs vs. EAs: What's the Difference? [00:08:55] Proactive Planning Opportunities. [00:15:25] Supporting Your Tax Professional. [00:21:30] Document Security and Getting Started. [00:24:50] Tax Brackets and Strategies for 2025. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Are You Ready for the New Economic Reality? 48:01

10 weeks 전48:01

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나중에 재생

48:01

The investment landscape is changing fundamentally, and Jim Bianco of Bianco Research is here to prepare us for what's ahead. Forget the market euphoria of recent years – we're entering what Jim calls the "4-5-6 market," where cash returns 4%, bonds 5%, and equities just 6%. This shift isn't merely a temporary correction but reflects deep structural changes in our economy. After 47 consecutive months of inflation exceeding 3%, de-globalization gaining momentum, and remote work permanently altering consumer behaviors, we find ourselves in a transformed economic environment that demands fresh thinking from investors. Jim offers a compelling explanation for why we can never return to the zero-interest-rate policies of the past decade. With the federal deficit at 6.5% of GDP – the largest peacetime, non-crisis deficit in American history – any attempt to slash rates would likely trigger a bond market collapse. The recent tariff debates reflect a broader recognition that the status quo of runaway deficits and $36 trillion in national debt simply cannot continue. Perhaps most thought-provoking is Jim's examination of globalization's hidden costs. While cheaper imported goods benefit consumers, the gutting of American manufacturing has contributed to a shocking seven-year life expectancy gap between college graduates and the 65% of Americans without degrees. These "deaths of despair" through addiction, suicide, and related causes reveal the human toll behind economic statistics. The good news? For the first time in years, conservative investments like bonds now offer positive real returns above inflation. You don't need to chase speculative assets just to preserve purchasing power. But finding opportunities beyond that baseline will require more sophisticated approaches than the passive indexing that worked so well in the past decade. Guest: Jim Bianco Bio: Jim is President and Macro Strategist at Bianco Research, L.L.C. Since 1990 Jim’s commentaries have offered a unique perspective on the global economy and financial markets. Unencumbered by the biases of traditional Wall Street research, Jim has built a decades long reputation for objective, incisive commentary that challenges consensus thinking. In nearly 20 years at Bianco Research, Jim’s wide ranging commentaries have addressed monetary policy, the intersection of markets and politics, the role of government in the economy, fund flows and positioning in financial markets. Webpage: https://www.biancoresearch.com/visitor-home/ Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #subscribe #wealthmanagement #investing #stgeorgeutah #bonds #inflation [00:00:00] Intro/ Trump's Hypothetical Fiscal Policy Reversal. [00:02:26] Introduction to Jim Bianco. [00:07:07] The 4-5-6 Market Explained. [00:13:06] Why We Can't Return to Zero Rates. [00:23:20] The Shift to a 3% Inflation World. [00:36:25] Dollar Hegemony and Currency Strength. [00:43:46] The Hidden Costs of Globalization. [00:49:35] Adapting to the New Economic Reality. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Risk: A Fundamental Force That Shapes Our World 1:16:30

11 weeks 전1:16:30

나중에 재생

나중에 재생

1:16:30

What do bridge engineers and portfolio managers have in common? A whole lot more than you might think. In this fascinating philosophical exploration, structural engineer Trevor Gardner joins us to uncover the striking parallels between engineering risks and financial risks. Trevor reveals how engineers approach earthquake design with remarkably limited data—just 90 years of records for structures meant to last 75+ years. This creates an intriguing parallel to financial markets, where past performance offers limited insight into future events. We explore how both disciplines face the challenge of the "unknown unknowns" and share similar approaches to managing tail risks—those rare but catastrophic events that can change everything. The conversation examines how the Tacoma Narrows Bridge collapse mirrors financial system failures, how optimization actually introduces new vulnerabilities, and why both professionals sometimes wish for "just one little earthquake" to prove the value of their cautious approaches. We discover that in both fields, risk isn't something you eliminate—it's something you trade, transform, or accept. Guest: Trevor Gardner Bio: I grew up in Enterprise Utah. After graduation I got my bachelors from Dixie State and a Bachelors and Masters from Utah State University in Structural Engineering. I have been working as a structural engineer designing bridges and structures in Utah for the last 8 years. LinkedIn: https://www.linkedin.com/in/trevor-gardner-pe-a48b70132 Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #subscribe #investing #wealthmanagement #southernutah #stgeorgeutah #bridgeengineering #bridge [00:00:00] Intro. [00:08:40] The History of Risk Management. [00:14:30] An Engineer's Approach to Earthquakes. [00:24:10] Risk as a Constant Force. [00:34:07] Tail Risks and Catastrophic Events. [00:50:50] The Illusion of Optimization. [01:05:15] Risk Education and False Confidence. [01:13:35] Behavioral Risk and Final Thoughts. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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The Burden & High Costs of Long-Term Care 39:59

12 weeks 전39:59

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나중에 재생

39:59

The uncomfortable truth about aging is that many of us will require significant assistance in our final years—yet few have adequately prepared for this reality. In this deeply personal and practical discussion, a father-son financial advisory team shares their firsthand experiences with various long-term care situations, from self-funded home care to Medicaid facilities. Drawing from multiple family experiences, we examine what truly constitutes a long-term care event and why Medicare won't cover most of these expenses. We breakdown the stark financial reality: full-time in-home care can cost $250,000-$300,000 annually, quickly depleting even substantial retirement savings. The human cost can be equally devastating, as unprepared families often see parent-child relationships transform into caregiver-patient relationships, fundamentally changing family dynamics during what should be precious final years. We explore modern funding solutions beyond traditional long-term care insurance, including asset-based "linked benefit" programs that provide significant leverage while preserving principal for beneficiaries if care isn't needed. We discuss how proper planning preserves not just assets but dignity and relationships, allowing families to look back on final years as "sweet times" despite difficulties. Don't leave your long-term care needs to chance or burden your children without their explicit agreement. The sooner you implement a strategy, the more options you'll have and the better protected your family will be. Remember, hope is not a strategy—but thoughtful planning can create a legacy of dignity and love. Link to 'Age-Proof Homes: Making Aging At Home Comfortable & Safe' podcast: https://www.youtube.com/watch?v=O54VpDIQUao Webpage: https://ageproofhomes.com/ Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #investing #wealthmanagement #podcastclips #southernutah #stgeorgeutah #fundingoptions #longtermcare [00:00:00] Intro. [00:00:45] Introduction to Long-Term Care Planning. [00:03:26] What Is a Long-Term Care Event?. [00:10:01] Housing Options and Home Modifications. [00:17:04] Costs and Quality of Care Comparison. [00:22:16] Impact on Family Relationships and Legacy. [00:27:31] Funding Options for Long-Term Care. [00:35:12] Asset-Based vs. Traditional Insurance. [00:38:07] Hedging Against Risk and Final Thoughts. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Maximizing Returns: The Strategy of Return Stacking 55:12

13 weeks 전55:12

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나중에 재생

55:12

Corey Hoffstein breaks down the strategy of "return stacking," which allows investors to maintain core portfolio exposure while adding diversifying alternative investments on top without the traditional funding problem. The concept revolutionizes portfolio construction by using capital efficiency to potentially enhance returns and reduce overall risk. • Return stacking originated as "portable alpha" pioneered by PIMCO in the 1980s • Traditional diversification requires selling stocks or bonds to make room for alternatives • Investors typically abandon diversifiers during periods of underperformance, creating a behavioral gap • Return stacking uses capital-efficient instruments like leveraged ETFs to maintain core exposures • Freed-up capital can be deployed into uncorrelated assets like managed futures, gold, and hedge fund strategies • Similar to putting 20% down on a house and investing the remaining 80% elsewhere • Leverage used for diversification can be defensive, while leverage for concentration increases risk • Uncorrelated doesn't mean negatively correlated – diversifiers can still decline simultaneously • The strategy may increase short-term volatility but potentially enhances long-term returns • Focus on beating the cash rate rather than the S&P 500 as your hurdle for diversifiers Guest: Corey Hoffstein is the CEO and CIO of Newfound Research and portfolio manager of the Return Stacked® ETF Suite. Corey is an active researcher and his work has been published in the Journal of Indexing and the Journal of Alternative Investments. He is also the host of the popular quantitative investing podcast Flirting with Models. Corey holds a Master of Science in Computational Finance from Carnegie Mellon University and a Bachelor of Science in Computer Science, cum laude, from Cornell University. Visit Corey's Podcast, 'Flirting with Models': https://www.youtube.com/@flirtingwithmodels Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #investing #podcast #wealthmanagement #southernutah #stgeorgeutah #taxplanning #wealtheducation [00:00:00] Intro. [00:01:53] Understanding Return Stacking and Portable Alpha. [00:04:03] Corey Hoffstein's Journey in Finance. [00:08:19] The Funding Problem in Diversification. [00:13:45] Housing Analogy for Return Stacking. [00:22:14] Alternative Asset Classes and Strategies. [00:26:35] Trend Following as a Diversification Tool. [00:35:43] Implementation Through Capital Efficient ETFs. [00:44:43] Correlation and Portfolio Construction. [00:50:01] Long-Term Investing vs Short-Term Volatility. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Navigate and Tackle IRS Challenges 1:01:33

14 weeks 전1:01:33

나중에 재생

나중에 재생

1:01:33

Tax debt can seem like an insurmountable obstacle, but it doesn't have to be. In our latest episode of the Du Charme Wealth Management Podcast, we navigate the complexities of tax debt resolution with expert Morgan Anderson, an enrolled agent with decades of experience in tax debt settlement. Together, we unpack the various barriers taxpayers face when dealing with the IRS and share invaluable tips to help listeners manage their tax liabilities better. Morgan provides insight into common challenges individuals and businesses encounter when it comes to tax obligations. Discover the often-overlooked triggers of tax debt, such as unexpected inheritances or bookkeeping missteps, alongside practical strategies to avoid these situations. With many facing the stress of tax debt, it's essential to understand the importance of engaging with a knowledgeable tax professional early. Morgan emphasizes the importance of proactive measures, such as regular tax planning discussions and keeping clear financial records. We also dive deep into the legal frameworks surrounding tax obligations, including the burden of proof that falls on the taxpayer. This crucial element can leave many feeling cornered, but knowledge is power. By equipping yourself with the right information and support, you can face tax troubles with confidence. Guest: Morgan Q. Anderson, EA Golden Lion Tax Solutions: https://www.goldenliontaxsolutions.com/ LindedIn: https://www.linkedin.com/in/morgan-anderson-ea/ Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #southernutah #stgeorgeutah #wealthmanagement #investing #wealtheducation #irscompliance DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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Converting Motels Into Apartments 1:23:29

15 weeks 전1:23:29

나중에 재생

나중에 재생

1:23:29

Kevin Kennedy shares his unconventional approach to real estate by converting dilapidated motels into affordable housing. He discusses his journey, unique investment strategies, past experiences—including a humorous encounter on Judge Judy—and the importance of understanding zoning laws and property management. • Kevin's transition from merchant banking to real estate investing • Humorous story of losing a snake and appearing on Judge Judy • The potential of converting poorly managed motels into cash-flowing apartments • Importance of preemptive engagement with local municipalities for zoning • Insights on property management and working with contractors • Balancing profitability with a mission to address affordable housing needs • Emphasis on the evolving nature of real estate investing and market dynamics Guest Bio: Kevin Kennedy is a seasoned real estate entrepreneur with a diverse portfolio that spans across multiple sectors. With a keen eye for investment opportunities, Kevin has successfully ventured into RV park ownership, apartment complexes, and numerous rental properties. RV Park Ownership: Kevin owns and operates several RV parks, providing top-notch amenities and services to travelers and long-term residents alike. His parks are known for their scenic locations, well-maintained facilities, and community-oriented atmosphere. Apartment Ownership: Kevin has invested in multiple apartment complexes. Typically renovated from older properties his properties are strategically located in high-demand areas, offering modern living spaces and a range of amenities that cater to the needs of urban dwellers. Numerous Rentals: Kevin’s real estate portfolio also includes a variety of rental properties. From single-family homes to commercial spaces, he has built a reputation for maintaining high standards and ensuring tenant satisfaction. Kevin’s success in real estate is driven by his commitment to quality, customer service, and strategic investment. His ability to identify and capitalize on market trends has made him a respected figure in the industry. Website: https://conversionhousing.com/ Instagram - https://www.instagram.com/conversionhousing/?igsh=MTJqYmxjdHZ0YTBuaA%3D%3D# Find Du Charme Wealth Management here: https://ducharmewealth.com/contact-us/ #podcast #commercialrealestateinvestor #wealthmanagement #investmentstrategy #southernutah #stgeorgeutah [00:00:00] Intro. [00:01:57] Real Estate Investments and Strategies. [00:11:09] Multifamily Property Management and Investment. [00:16:19] Wealth Management Client Segmentation. [00:23:56] Real Estate Investing Strategies and Challenges. [00:36:08] Scale of Multi-Family Property Investments. [00:42:35] Real Estate Investment Strategies and Considerations. [00:56:11] Economic Trends in Real Estate. [01:08:05] RV Park Investment Challenges and Considerations. [01:17:29] Interest Rate Trends and Investment Strategies. [01:22:47] Real Estate Investment Complexity Discussion. DISCLAIMER: Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.…

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