https://www.spreaker.com/podcast/it-s-all-money--6212742It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Every episode is designed for you to walk away at the end with 1 useful tip to increase your financial confidence, even if (actually especially if) you knew very little about the topic at the start.

Because ultimately, It's All Money.

It's All Money is powered by Sonoma Wealth.  The show is hosted by Sonoma Wealth Managing Principal Daren Blonski, CFP® AIF® and Marketing Director Dano Weir.  Sonoma Wealth is the private wealth arm of Fermata Advisors.  Fermata's holistic financial services also includes Fermata 401k and Fermata Tax. Fermata is headquartered in Sonoma, California with offices across Northern California in Santa Rosa, San Rafael, Auburn and Chico.]]>enInvesting707 Media, Fermata Advisorshttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/4cb905d658ed501955cbcd708c91eca1.jpghttps://www.spreaker.com/podcast/it-s-all-money--6212742Wed, 14 Oct 2026 23:36:28 +0000707 Media707 Media, Fermata Advisorsinfo@sonomawealth.comYour 401k, a classic car collection, quantitative easing and the rising cost of your fast food burger all seem like wildly different topics. And yet somehow, they all end up hitting your checking account one way or another. It's All Money draws the...It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Every episode is designed for you to walk away at the end with 1 useful tip to increase your financial confidence, even if (actually especially if) you knew very little about the topic at the start.

Because ultimately, It's All Money.

It's All Money is powered by Sonoma Wealth.  The show is hosted by Sonoma Wealth Managing Principal Daren Blonski, CFP® AIF® and Marketing Director Dano Weir.  Sonoma Wealth is the private wealth arm of Fermata Advisors.  Fermata's holistic financial services also includes Fermata 401k and Fermata Tax. Fermata is headquartered in Sonoma, California with offices across Northern California in Santa Rosa, San Rafael, Auburn and Chico.]]>false4e4255d8-8593-5fbb-ad45-b26ae2e966e1episodichttps://www.spreaker.com/episode/inside-impact100-sonoma-the-women-s-giving-circle-changing-sonoma-valley--75791028On a special episode of It's All Money, Sonoma Wealth COO Jackie Egidio and Financial Advisor Shelby Wirick dive deep on supporting critical needs in the Sonoma Valley with Leslie Blankenship and Cristine McMillan of Impact100 Sonoma. Impact100 Sonoma is a women's giving circle that started in 2009 with a simple idea: 100 women give $1,000 each to fund one $100,000 grant. Sixteen years later the group has 330 members and has granted close to $5 million back directly to the area, from Schellville to Kenwood. In this episode you'll discover:
• The feedback from local nonprofits after COVID that changed the whole grant model, and got the chapter recognized nationally.
• The question men keep asking about women's giving circles, and what the research says women do differently when they give.
• How Donor Advised Funds, a charitable account many people have never heard of, can turn one big tax year into years of giving. (Full whitepaper here: https://sonomawealthadvisors.com/resources/whitepapers/article/2026/10/dafs)

Whether you're thinking about joining, giving, or just want to see what a few hundred neighbors can do together, this episode of It's All Money highlights the power of local giving up close.

See it in person: Impact100 Sonoma's Grant Recipients Update Meeting is open to the public for the first time this year. It's on Thursday, October 22, from 4 to 6 p.m. at the Sebastiani Theatre in Sonoma. You'll hear the 16 most recently funded nonprofits share what their grants made possible. Walk-ins are welcome, but they'd appreciate it if you register: https://www.impact100sonoma.org/event-6584995
Learn more about Impact100 Sonoma: https://impact100sonoma.org

Thanks to Matt and Brooke Sevenau for the hospitality in their new recording space.

Full video available on our YouTube Channel: https://youtu.be/vUxrKajlQj8
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Women Take Over
1:33 What Is Impact100 Sonoma?
2:55 How Impact100 Picks Its Grant Recipients
5:10 Part Of A Global Giving Network
6:26 Why Shelby Joined
7:17 The Biggest Needs In Sonoma Valley Right Now
8:46 How Women's Giving Is Different
11:39 Women Uplifting Women
12:29 The COVID Pivot That Changed The Grant Model
16:53 The Encore Grant: Two Years Of Funding
18:59 Donor Advised Funds And Charitable Giving
21:04 Why Legacy Giving Matters To Impact100
23:12 How To Get Involved
23:43 The "Wealthy Women In Hats" Myth
26:37 Events, Committees And Patio Parties
30:06 The Grant Recipients Update Meeting
32:02 Closing Thoughts
32:51 Credits & Outro

References: https://impact100sonoma.org/About https://impact100sonoma.org/Apply-for-a-Grant https://members.sonomachamber.org/news/Details/impact100-sonoma-increases-2027-maximum-grant-about-for-non-profits-358369 https://www.sonomanews.com/2025/10/08/impact100-grants-nonprofits/ https://www.irs.gov/charities-non-profits/charitable-organizations/donor-advised-funds https://impact100sonoma.org/page-18402 https://www.impact100sonoma.org/event-6584995]]>https://api.spreaker.com/episode/75791028Wed, 14 Oct 2026 17:31:54 +0000707 Media"The women have taken over It's All Money!" - Jackie Egidio, 2026 On a special episode of It's All Money, Sonoma Wealth COO Jackie Egidio and Financial Advisor Shelby Wirick dive deep on supporting critical needs in the Sonoma Valley with Leslie...On a special episode of It's All Money, Sonoma Wealth COO Jackie Egidio and Financial Advisor Shelby Wirick dive deep on supporting critical needs in the Sonoma Valley with Leslie Blankenship and Cristine McMillan of Impact100 Sonoma. Impact100 Sonoma is a women's giving circle that started in 2009 with a simple idea: 100 women give $1,000 each to fund one $100,000 grant. Sixteen years later the group has 330 members and has granted close to $5 million back directly to the area, from Schellville to Kenwood. In this episode you'll discover:
• The feedback from local nonprofits after COVID that changed the whole grant model, and got the chapter recognized nationally.
• The question men keep asking about women's giving circles, and what the research says women do differently when they give.
• How Donor Advised Funds, a charitable account many people have never heard of, can turn one big tax year into years of giving. (Full whitepaper here: https://sonomawealthadvisors.com/resources/whitepapers/article/2026/10/dafs)

Whether you're thinking about joining, giving, or just want to see what a few hundred neighbors can do together, this episode of It's All Money highlights the power of local giving up close.

See it in person: Impact100 Sonoma's Grant Recipients Update Meeting is open to the public for the first time this year. It's on Thursday, October 22, from 4 to 6 p.m. at the Sebastiani Theatre in Sonoma. You'll hear the 16 most recently funded nonprofits share what their grants made possible. Walk-ins are welcome, but they'd appreciate it if you register: https://www.impact100sonoma.org/event-6584995
Learn more about Impact100 Sonoma: https://impact100sonoma.org

Thanks to Matt and Brooke Sevenau for the hospitality in their new recording space.

Full video available on our YouTube Channel: https://youtu.be/vUxrKajlQj8
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Women Take Over
1:33 What Is Impact100 Sonoma?
2:55 How Impact100 Picks Its Grant Recipients
5:10 Part Of A Global Giving Network
6:26 Why Shelby Joined
7:17 The Biggest Needs In Sonoma Valley Right Now
8:46 How Women's Giving Is Different
11:39 Women Uplifting Women
12:29 The COVID Pivot That Changed The Grant Model
16:53 The Encore Grant: Two Years Of Funding
18:59 Donor Advised Funds And Charitable Giving
21:04 Why Legacy Giving Matters To Impact100
23:12 How To Get Involved
23:43 The "Wealthy Women In Hats" Myth
26:37 Events, Committees And Patio Parties
30:06 The Grant Recipients Update Meeting
32:02 Closing Thoughts
32:51 Credits & Outro

References: https://impact100sonoma.org/About https://impact100sonoma.org/Apply-for-a-Grant https://members.sonomachamber.org/news/Details/impact100-sonoma-increases-2027-maximum-grant-about-for-non-profits-358369 https://www.sonomanews.com/2025/10/08/impact100-grants-nonprofits/ https://www.irs.gov/charities-non-profits/charitable-organizations/donor-advised-funds https://impact100sonoma.org/page-18402 https://www.impact100sonoma.org/event-6584995]]>2142falsefullhttps://www.spreaker.com/episode/social-security-at-62-vs-70-what-to-know-before-you-claim--75645878
In this episode:
• Why a shrinking trust fund isn't the same as Social Security disappearing.
• The go-go, slow-go and no-go years, and why they could matter for your claiming age.
• A hypothetical example comparing claiming at 62, 67 and 70.
• Three claiming mistakes Clay has seen leave money on the table.

Full video available on our YouTube Channel: https://youtu.be/7TqbtJwMo_k
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: $20 Now Or $40 Later?
0:56 Welcome: When To Claim Social Security
1:47 What Social Security Is Designed To Do
2:35 The $40 Trillion Debt And Social Security Worries
3:52 Claiming At 62, Full Retirement Age, Or 70
4:27 Clay's National Social Security Advisor Certification
6:12 The Forgotten Part Of Retirement Planning
7:30 How Your Portfolio Affects When You Claim
8:59 Your Portfolio's Dependency Factor
12:26 What's Underneath Social Security And Pensions
15:41 How The Trust Fund Shortfall Might Be Covered
18:28 Why CPI Adjustments Matter
19:32 Tax Planning And The Golden Window
22:44 Tinfoil Hat Time: RMD Ages And Social Security
24:29 Does Anyone Regret Claiming Early?
26:51 Health, Longevity, And Break-Even Age
30:18 The Go-Go, Slow-Go, And No-Go Years
32:39 Can AI Plan Your Retirement?
33:44 A Hypothetical Example: Claiming At 62, 67, Or 70
36:12 3 Things To Know Before You Claim
37:17 3 Common Claiming Mistakes
39:08 Tips For Meeting With Social Security
40:10 Closing Thoughts
40:29 Credits & Outro

References: https://www.ssa.gov/benefits/retirement/planner/agereduction.html https://www.ssa.gov/benefits/retirement/planner/delayret.html https://www.ssa.gov/oact/trsum/index.html https://www.ssa.gov/faqs/en/questions/KA-02471.html https://www.ssa.gov/survivor/amount https://www.ssa.gov/blog/en/posts/2025-05-29.html https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html https://www.ssa.gov/faqs/en/questions/KA-01741.html]]>https://api.spreaker.com/episode/75645878Thu, 08 Oct 2026 17:30:46 +0000707 MediaWould you take $20 now or $40 in a week? Deciding when to claim Social Security can feel like the same test, with far more money on the line. Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir are joined on It's All...
In this episode:
• Why a shrinking trust fund isn't the same as Social Security disappearing.
• The go-go, slow-go and no-go years, and why they could matter for your claiming age.
• A hypothetical example comparing claiming at 62, 67 and 70.
• Three claiming mistakes Clay has seen leave money on the table.

Full video available on our YouTube Channel: https://youtu.be/7TqbtJwMo_k
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: $20 Now Or $40 Later?
0:56 Welcome: When To Claim Social Security
1:47 What Social Security Is Designed To Do
2:35 The $40 Trillion Debt And Social Security Worries
3:52 Claiming At 62, Full Retirement Age, Or 70
4:27 Clay's National Social Security Advisor Certification
6:12 The Forgotten Part Of Retirement Planning
7:30 How Your Portfolio Affects When You Claim
8:59 Your Portfolio's Dependency Factor
12:26 What's Underneath Social Security And Pensions
15:41 How The Trust Fund Shortfall Might Be Covered
18:28 Why CPI Adjustments Matter
19:32 Tax Planning And The Golden Window
22:44 Tinfoil Hat Time: RMD Ages And Social Security
24:29 Does Anyone Regret Claiming Early?
26:51 Health, Longevity, And Break-Even Age
30:18 The Go-Go, Slow-Go, And No-Go Years
32:39 Can AI Plan Your Retirement?
33:44 A Hypothetical Example: Claiming At 62, 67, Or 70
36:12 3 Things To Know Before You Claim
37:17 3 Common Claiming Mistakes
39:08 Tips For Meeting With Social Security
40:10 Closing Thoughts
40:29 Credits & Outro

References: https://www.ssa.gov/benefits/retirement/planner/agereduction.html https://www.ssa.gov/benefits/retirement/planner/delayret.html https://www.ssa.gov/oact/trsum/index.html https://www.ssa.gov/faqs/en/questions/KA-02471.html https://www.ssa.gov/survivor/amount https://www.ssa.gov/blog/en/posts/2025-05-29.html https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html https://www.ssa.gov/faqs/en/questions/KA-01741.html]]>2597falsefullhttps://www.spreaker.com/episode/145-trillion-is-boring-bonds-explained--74474396
In this episode:
• Defining what a bond actually is and detailing the massive size of the total market.
• Detailing the 4 types of bonds available and what scenarios they apply to.
• Detailed explanation of how bonds actually work.
• Where could bonds fit in a portfolio, and why do some investors consider them "boring"?


Full video available on our YouTube Channel: https://youtu.be/ifRh7uh9xUI

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Don't Turn Off The Bonds Episode Yet
0:36 Welcome To It's All Money: Why Bonds Feel Boring
1:22 What Is A Bond, And Why Does The Bond Market Exist?
2:30 How Big Is The Bond Market, Really?
6:03 Do You Already Own Bonds Without Knowing It?
7:53 The Different Types Of Bonds
11:35 Which Bond Type Fits Your Tax Bracket
14:24 What Is A Junk Bond?
16:26 How A Bond Actually Works: Coupons Explained
21:04 Why Bond Prices Move Opposite Interest Rates
24:50 Bonds Vs. Stocks: Predictability And Risk
26:52 Why Advisors Use Bonds For Diversification
29:39 Reading The Yield Curve
36:23 Closing Thoughts
38:23 Credits & Outro

References:
https://www.sec.gov/data-research/statistics-data-visualizations/us-households-participation-capital-markets
https://smartasset.com/retirement/size-of-stock-market-vs-bond-market
https://www.thenationaldebt.us/basics]]>https://api.spreaker.com/episode/74474396Fri, 21 Aug 2026 19:07:27 +0000707 MediaThe global bond market is nearly three times the size of the US stock market, yet many don't know how it actually works. Sonoma Wealth Managing Principal Chris Sipes joins Marketing Director Dano Weir this week on It's All Money to explain the major...
In this episode:
• Defining what a bond actually is and detailing the massive size of the total market.
• Detailing the 4 types of bonds available and what scenarios they apply to.
• Detailed explanation of how bonds actually work.
• Where could bonds fit in a portfolio, and why do some investors consider them "boring"?


Full video available on our YouTube Channel: https://youtu.be/ifRh7uh9xUI

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Don't Turn Off The Bonds Episode Yet
0:36 Welcome To It's All Money: Why Bonds Feel Boring
1:22 What Is A Bond, And Why Does The Bond Market Exist?
2:30 How Big Is The Bond Market, Really?
6:03 Do You Already Own Bonds Without Knowing It?
7:53 The Different Types Of Bonds
11:35 Which Bond Type Fits Your Tax Bracket
14:24 What Is A Junk Bond?
16:26 How A Bond Actually Works: Coupons Explained
21:04 Why Bond Prices Move Opposite Interest Rates
24:50 Bonds Vs. Stocks: Predictability And Risk
26:52 Why Advisors Use Bonds For Diversification
29:39 Reading The Yield Curve
36:23 Closing Thoughts
38:23 Credits & Outro

References:
https://www.sec.gov/data-research/statistics-data-visualizations/us-households-participation-capital-markets
https://smartasset.com/retirement/size-of-stock-market-vs-bond-market
https://www.thenationaldebt.us/basics]]>2515bondmarketexplained,bondsvsstocks,bondyieldsexplained,corporatebonds,financialsystemexplained,fixedincomeinvesting,howbondswork,howtoinvest,investingbasics,investingforbeginners,municipalbonds,treasurybonds,typesofbonds,whatarebonds,whatisayieldfalse339fullhttps://www.spreaker.com/episode/roth-conversion-vs-rmd-what-every-high-earner-needs-to-know-before-age-73--73585259Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving move you didn't even know you had. In the latest episode of It's All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir walk through:
• The four traps hiding inside that required distribution.
• Why the window to get ahead of them closes before you turn 73.
• The three moves you can take as a retiree to optimize or adjust to these conditions.

If you'd rather protect your heirs or portfolio than just write the check, check out this episode.

Full video available on our YouTube Channel: https://youtu.be/irgfSKpQgo0
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Reddit Post That Started This Episode
1:26 What Is A Required Minimum Distribution?
2:39 Today's Scenario: Four Traps Hiding In A $1 Million IRA
3:02 Trap 1: The Ordinary Income Spike
6:06 Trap 2: The IRMAA Ambush
9:43 Trap 3: The Social Security Taxation Cliff
12:57 Trap 4: The Inherited IRA 10-Year Rule
18:41 Move 1: The Bracket Fill Strategy
20:07 Move 2: Qualified Charitable Distributions
21:37 Move 3: Protecting Your Heirs
22:43 Finding Your Conversion Window
24:09 Closing: Book Your Wealth Analysis

References:
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
https://www.kiplinger.com/retirement/medicare/medicare-premiums-2026-irmaa-brackets-and-surcharges-for-parts-b-and-d
https://www.ssa.gov/faqs/en/questions/KA-02471.html
https://www.schwab.com/learn/story/reducing-rmds-with-qcds
https://investor.vanguard.com/investor-resources-education/retirement/rmd-rules-for-inherited-iras
https://baumanwealth.com/tax_planning_and_pre/roth-conversion-before-rmd-planning-the-low-income-window/]]>https://api.spreaker.com/episode/73585259Fri, 07 Aug 2026 00:33:26 +0000707 MediaRoth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73 Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving...Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving move you didn't even know you had. In the latest episode of It's All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir walk through:
• The four traps hiding inside that required distribution.
• Why the window to get ahead of them closes before you turn 73.
• The three moves you can take as a retiree to optimize or adjust to these conditions.

If you'd rather protect your heirs or portfolio than just write the check, check out this episode.

Full video available on our YouTube Channel: https://youtu.be/irgfSKpQgo0
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Reddit Post That Started This Episode
1:26 What Is A Required Minimum Distribution?
2:39 Today's Scenario: Four Traps Hiding In A $1 Million IRA
3:02 Trap 1: The Ordinary Income Spike
6:06 Trap 2: The IRMAA Ambush
9:43 Trap 3: The Social Security Taxation Cliff
12:57 Trap 4: The Inherited IRA 10-Year Rule
18:41 Move 1: The Bracket Fill Strategy
20:07 Move 2: Qualified Charitable Distributions
21:37 Move 3: Protecting Your Heirs
22:43 Finding Your Conversion Window
24:09 Closing: Book Your Wealth Analysis

References:
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds
https://www.kiplinger.com/retirement/medicare/medicare-premiums-2026-irmaa-brackets-and-surcharges-for-parts-b-and-d
https://www.ssa.gov/faqs/en/questions/KA-02471.html
https://www.schwab.com/learn/story/reducing-rmds-with-qcds
https://investor.vanguard.com/investor-resources-education/retirement/rmd-rules-for-inherited-iras
https://baumanwealth.com/tax_planning_and_pre/roth-conversion-before-rmd-planning-the-low-income-window/]]>1668age73,darenblonski,financialplanning,highearner,inheritedira,irmaa,itsallmoney,qualifiedcharitabledistributio,requiredminimumdistribution,retirementplanning,rmd,rothconversion,socialsecuritytaxes,sonomawealthadvisors,taxplanning,wealthmanagementfalse338fullhttps://www.spreaker.com/episode/retro-games-earn-returns-the-entrepreneurial-success-of-nostalgia-alley--73036540This week on It's All Money, Sonoma Wealth Marketing Director Dano Weir breaks down the fascinating business and investment story of Nostalgia Alley, a retro video game store in Petaluma. Watch the episode and learn:

• Why a 40 year old Nintendo game that should be worth $4 is actually worth $20,000 (and rising).
• The secret to becoming one of the busiest storefronts in all of downtown Petaluma.
• How owning a game store led Jason to become a character in a game!
• How their retail video game business has expanded into a video game event space (and even hosted a wedding).
• The customer service secrets to build a dedicated, expanding fanbase.

Whether you enjoy the business lessons or the fun of gaming, we invite you to check out this in-depth look at a true gem in downtown Petaluma, Nostalgia Alley.

Learn about the store, how to liquidate old games and booking their event space for parties here:
https://www.nostalgiaalleygames.com/
Full video available on our YouTube Channel: https://youtu.be/P0cvCIQpwy4
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 A Riddle: Apple Stock Or A Rare Video Game?
0:49 Welcome To It's All Money
1:26 A $200 Billion Industry Hiding In Plain Sight
2:53 Why This Episode Is About Entrepreneurship
3:57 Inside The Store On Petaluma Boulevard
5:44 The First Purchase: Day One Of A Five-Year Plan
6:12 March 2013: $100 To His Name
7:43 The Yard Sale Flip: $30 Into $80
8:28 Time Versus Money In The Early Years
9:43 Pitching The Idea To Rebecca
10:52 Market Cycles: Retro Games And Fad Investing
12:20 2007 To 2018: Building A Collection Before The Store Existed
15:11 Where The Name Nostalgia Alley Comes From
15:40 One Of The Busiest Spots In Downtown Petaluma
16:35 Opening Day: A Line Down The Street
17:54 Entrepreneur Advice: Track Your Cogs And Set Smart Goals
18:43 Building A Customer Service Philosophy
22:30 The Customer Nobody Else Acknowledged
23:46 Petaluma's Hidden Video Game Industry History
24:39 Meeting Game Developers Who Became Regulars
26:29 Jasper The Store Mascot
29:48 The $20,000 Stadium Events Cartridge
32:29 The Priceless Item That Isn't For Sale
35:00 Touring The Party Room Upstairs
35:48 The Wedding Held Among The Retro Games
36:43 A Mario Kart Grand Prix, Interview Continues
38:21 The $55,000 Trade-In
39:30 Making Big Purchase Decisions As Business Partners
42:24 Refurbishing Hardware The Right Way
43:12 Cutting Back From 80-Hour Weeks
45:03 GameCube Capacitors And Disc Resurfacing
46:54 Why Old Cartridges Need New Batteries
50:06 Favorite Games: Tetris, Legend Of Dragoon, And More
52:34 PC Game Nostalgia And A Word From Our Sponsor
56:51 Closing Out At Nostalgia Alley
59:13 Disclosure

References:
https://en.wikipedia.org/wiki/Stadium_Events
https://www.storyboard18.com/gaming-news/global-video-gaming-to-hit-300-billion-by-2029-outpaces-film-and-music-combined-pwc-76725.htm]]>https://api.spreaker.com/episode/73036540Sat, 18 Jul 2026 00:52:08 +0000707 MediaIf you had $55,000 cash, buying 10 unopened boxes of used video games probably wouldn't be the first investment you'd choose. But when you're Jason and Rebecca Moorhouse of Petaluma, you have a system in place to turn those games into a potential 20%,...This week on It's All Money, Sonoma Wealth Marketing Director Dano Weir breaks down the fascinating business and investment story of Nostalgia Alley, a retro video game store in Petaluma. Watch the episode and learn:

• Why a 40 year old Nintendo game that should be worth $4 is actually worth $20,000 (and rising).
• The secret to becoming one of the busiest storefronts in all of downtown Petaluma.
• How owning a game store led Jason to become a character in a game!
• How their retail video game business has expanded into a video game event space (and even hosted a wedding).
• The customer service secrets to build a dedicated, expanding fanbase.

Whether you enjoy the business lessons or the fun of gaming, we invite you to check out this in-depth look at a true gem in downtown Petaluma, Nostalgia Alley.

Learn about the store, how to liquidate old games and booking their event space for parties here:
https://www.nostalgiaalleygames.com/
Full video available on our YouTube Channel: https://youtu.be/P0cvCIQpwy4
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 A Riddle: Apple Stock Or A Rare Video Game?
0:49 Welcome To It's All Money
1:26 A $200 Billion Industry Hiding In Plain Sight
2:53 Why This Episode Is About Entrepreneurship
3:57 Inside The Store On Petaluma Boulevard
5:44 The First Purchase: Day One Of A Five-Year Plan
6:12 March 2013: $100 To His Name
7:43 The Yard Sale Flip: $30 Into $80
8:28 Time Versus Money In The Early Years
9:43 Pitching The Idea To Rebecca
10:52 Market Cycles: Retro Games And Fad Investing
12:20 2007 To 2018: Building A Collection Before The Store Existed
15:11 Where The Name Nostalgia Alley Comes From
15:40 One Of The Busiest Spots In Downtown Petaluma
16:35 Opening Day: A Line Down The Street
17:54 Entrepreneur Advice: Track Your Cogs And Set Smart Goals
18:43 Building A Customer Service Philosophy
22:30 The Customer Nobody Else Acknowledged
23:46 Petaluma's Hidden Video Game Industry History
24:39 Meeting Game Developers Who Became Regulars
26:29 Jasper The Store Mascot
29:48 The $20,000 Stadium Events Cartridge
32:29 The Priceless Item That Isn't For Sale
35:00 Touring The Party Room Upstairs
35:48 The Wedding Held Among The Retro Games
36:43 A Mario Kart Grand Prix, Interview Continues
38:21 The $55,000 Trade-In
39:30 Making Big Purchase Decisions As Business Partners
42:24 Refurbishing Hardware The Right Way
43:12 Cutting Back From 80-Hour Weeks
45:03 GameCube Capacitors And Disc Resurfacing
46:54 Why Old Cartridges Need New Batteries
50:06 Favorite Games: Tetris, Legend Of Dragoon, And More
52:34 PC Game Nostalgia And A Word From Our Sponsor
56:51 Closing Out At Nostalgia Alley
59:13 Disclosure

References:
https://en.wikipedia.org/wiki/Stadium_Events
https://www.storyboard18.com/gaming-news/global-video-gaming-to-hit-300-billion-by-2029-outpaces-film-and-music-combined-pwc-76725.htm]]>3725alternativeinvestments,collectibles,entrepreneurship,fiduciary,financialeducation,financialplanning,investing,itsallmoney,nintendo,nostalgiaalley,personalfinance,petaluma,retrogames,retrogamestore,smallbusiness,sonomacounty,sonomawealthadvisors,videogamecollecting,videogames,vintagegamingfalse337fullhttps://www.spreaker.com/episode/detailing-into-dollars-how-one-sonoma-couple-keeps-millions-in-assets-sparkling--72761016
• How Ivan took his business from sedans to supercars.
• The importance of non-toxic ingredients to Green Casa's mission.
• How diligence and execution led them both to work with Rolls Royce, Sonoma Raceway and more.
• The challenges and benefits of owning multiple businesses as husband and wife.

Learn more about how Ivan and Allison help clients stay on point here: https://sonomautospa.com/ https://greencasacleaning.com/
Shot on location at Sonoma Raceway – Radical Northwest shop: https://www.radicalnorthwest.com/
Full video available on our YouTube Channel: https://youtu.be/zJUYiFR8Yig
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A Sneak Peek At The Cars
0:44 Welcome To Sonoma Raceway
1:16 What Is Sonoma Auto Spa?
3:02 Ivan's Origin Story: From Restaurants To Washing Cars
6:29 Allison's Reaction And Starting Ivan's Business During COVID
7:47 Earning Trust With A Multi-Million-Dollar Car Collection
9:48 How Green Casa Cleaning Started
12:41 The Biggest Curveballs In Both Businesses
15:44 Ceramic Coatings, PPF, And Protecting A Car's Value
18:32 Life At The Racetrack With Radical Northwest
21:51 Car Week And Working With Rolls-Royce
23:34 The Challenges Of Running Two Businesses As A Married Couple
26:59 Who Taught Them To Work Hard
30:32 Serving The Sonoma Community
33:07 Closing Thoughts And Where To Find Them]]>https://api.spreaker.com/episode/72761016Tue, 30 Jun 2026 18:32:48 +0000707 MediaProtecting millions in luxury automobiles and millions in real estate takes two qualities- precision and trust. We are excited to share the entrepreneurial stories of Ivan Jimenez of Sonoma Auto Spa and Alison Pulido of Green Casa Cleaning in the...
• How Ivan took his business from sedans to supercars.
• The importance of non-toxic ingredients to Green Casa's mission.
• How diligence and execution led them both to work with Rolls Royce, Sonoma Raceway and more.
• The challenges and benefits of owning multiple businesses as husband and wife.

Learn more about how Ivan and Allison help clients stay on point here: https://sonomautospa.com/ https://greencasacleaning.com/
Shot on location at Sonoma Raceway – Radical Northwest shop: https://www.radicalnorthwest.com/
Full video available on our YouTube Channel: https://youtu.be/zJUYiFR8Yig
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A Sneak Peek At The Cars
0:44 Welcome To Sonoma Raceway
1:16 What Is Sonoma Auto Spa?
3:02 Ivan's Origin Story: From Restaurants To Washing Cars
6:29 Allison's Reaction And Starting Ivan's Business During COVID
7:47 Earning Trust With A Multi-Million-Dollar Car Collection
9:48 How Green Casa Cleaning Started
12:41 The Biggest Curveballs In Both Businesses
15:44 Ceramic Coatings, PPF, And Protecting A Car's Value
18:32 Life At The Racetrack With Radical Northwest
21:51 Car Week And Working With Rolls-Royce
23:34 The Challenges Of Running Two Businesses As A Married Couple
26:59 Who Taught Them To Work Hard
30:32 Serving The Sonoma Community
33:07 Closing Thoughts And Where To Find Them]]>2196alisonpulido,autodetail,autodetailing,chrissipes,crypto,danoweir,darenblonski,finance,financialadvisor,financialplanning,greencasacleaning,investing,ivanjimenez,money,northerncalifornia,radiodano,sonomaautospa,sonomacounty,stockmarket,wealthmanagementfalse336fullhttps://www.spreaker.com/episode/how-the-new-fed-chair-could-change-your-mortgage-rate--72605732• How the bond market, not just the Fed, drives what you pay on your home loan.
• The tricky pickle that the Fed currently finds itself in between rates and inflation.
• The counterintuitive reason high interest rates can actually help buyers.

Full video available on our YouTube Channel: https://youtu.be/mAJJ_qDi4Fc
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Learn more about Linda Zaiss here: https://www.rate.com/loan-officers/linda-zaiss-8991
Instagram: https://www.instagram.com/lindazaiss/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: History Repeats Itself
1:20 The Last Four Years Of Unpredictable Mortgage Rates
3:00 What's Happening In The Housing Market Right Now
3:42 How The Fed Funds Rate Actually Flows Through To Your Mortgage
6:06 Why Interest Rates Matter Beyond Just Your Mortgage
7:44 Meet Kevin Warsh: The New Fed Chair
8:30 Could Higher Mortgage Rates Actually Help Home Buyers?
10:26 Will Rates Go Up Or Down? Nobody Really Knows
12:29 Helping First-Time Buyers Get Into A Home
14:49 Tools For Homeowners Who Are "Cash Poor"
15:50 From First Call To Closing: What Working With A Lender Looks Like
17:20 What Makes Napa's Real Estate Market Unique
18:30 28 Years In Mortgage Lending: How Rates Have Changed
20:05 Why A Fiduciary Approach To Lending Matters
21:00 Final Takeaways And Where To Find Linda
22:12 Closing Thoughts

References:
https://www.npr.org/2026/06/17/nx-s1-5860084/fed-chief-warsh-first-fomc-meeting]]>https://api.spreaker.com/episode/72605732Fri, 19 Jun 2026 23:08:21 +0000707 MediaKevin Warsh is the new Fed chair, and real estate buyers (and sellers) want to know what that means for mortgage rates. In his first Fed Meeting this week, rates held, with 9 governors indicating a potential increase this year. Sonoma Wealth Marketing...• How the bond market, not just the Fed, drives what you pay on your home loan.
• The tricky pickle that the Fed currently finds itself in between rates and inflation.
• The counterintuitive reason high interest rates can actually help buyers.

Full video available on our YouTube Channel: https://youtu.be/mAJJ_qDi4Fc
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Learn more about Linda Zaiss here: https://www.rate.com/loan-officers/linda-zaiss-8991
Instagram: https://www.instagram.com/lindazaiss/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: History Repeats Itself
1:20 The Last Four Years Of Unpredictable Mortgage Rates
3:00 What's Happening In The Housing Market Right Now
3:42 How The Fed Funds Rate Actually Flows Through To Your Mortgage
6:06 Why Interest Rates Matter Beyond Just Your Mortgage
7:44 Meet Kevin Warsh: The New Fed Chair
8:30 Could Higher Mortgage Rates Actually Help Home Buyers?
10:26 Will Rates Go Up Or Down? Nobody Really Knows
12:29 Helping First-Time Buyers Get Into A Home
14:49 Tools For Homeowners Who Are "Cash Poor"
15:50 From First Call To Closing: What Working With A Lender Looks Like
17:20 What Makes Napa's Real Estate Market Unique
18:30 28 Years In Mortgage Lending: How Rates Have Changed
20:05 Why A Fiduciary Approach To Lending Matters
21:00 Final Takeaways And Where To Find Linda
22:12 Closing Thoughts

References:
https://www.npr.org/2026/06/17/nx-s1-5860084/fed-chief-warsh-first-fomc-meeting]]>1505false335fullhttps://www.spreaker.com/episode/trump-accounts-vs-529-vs-custodial-roth-which-could-win-for-your-grandkids--72486494
• The functional steps needed for your grandkids to potentially receive a one-time investment $1000 from the fed or $250 from the Dell Family.
• Why gift tax, Roth conversions and state tax could cause headaches for high-net worth families with Trump Accounts.
• The overall benefits of teaching investing to kids at an early age and potential downstream upside for their future in retirement.

As with all our podcasts, we approach these real-life finance topics (that can cross in to politics) with practicality.  We assess the financial aspects and share our perspective on how they may or may not fit in a client's life.  We hope you enjoy the episode.

Full video available on our YouTube Channel: https://youtu.be/5QFZ47FGNDQ
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: $1,000 For Your Grandkid, Courtesy Of Uncle Sam
0:49 Where Trump Accounts Came From
5:31 How A Trump Account Actually Works
8:26 The Case For Trump Accounts
16:39 The Case Against Trump Accounts
21:24 Trump Account Vs. 529 Vs. Custodial Roth (Mistake #1: The Gift Tax Trap)
24:05 Mistake #2: The Kiddie Tax Trap On A Roth Conversion
25:26 Mistake #3: The State Tax Trap
29:03 How To Register And Get Started

References:
https://www.congress.gov/crs-product/R48910
https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations
https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts
https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim
https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf
https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts
https://www.schwab.com/learn/story/trump-accounts
https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html
https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill
https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA
https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving]]>https://api.spreaker.com/episode/72486494Thu, 11 Jun 2026 19:26:19 +0000707 MediaLast summer Congress created a brand new savings vehicle for minors called the “Trump Account” or 530A account. For families building generational wealth, the rules might not be what you'd expect. In the latest episode of our podcast It's All Money,...
• The functional steps needed for your grandkids to potentially receive a one-time investment $1000 from the fed or $250 from the Dell Family.
• Why gift tax, Roth conversions and state tax could cause headaches for high-net worth families with Trump Accounts.
• The overall benefits of teaching investing to kids at an early age and potential downstream upside for their future in retirement.

As with all our podcasts, we approach these real-life finance topics (that can cross in to politics) with practicality.  We assess the financial aspects and share our perspective on how they may or may not fit in a client's life.  We hope you enjoy the episode.

Full video available on our YouTube Channel: https://youtu.be/5QFZ47FGNDQ
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: $1,000 For Your Grandkid, Courtesy Of Uncle Sam
0:49 Where Trump Accounts Came From
5:31 How A Trump Account Actually Works
8:26 The Case For Trump Accounts
16:39 The Case Against Trump Accounts
21:24 Trump Account Vs. 529 Vs. Custodial Roth (Mistake #1: The Gift Tax Trap)
24:05 Mistake #2: The Kiddie Tax Trap On A Roth Conversion
25:26 Mistake #3: The State Tax Trap
29:03 How To Register And Get Started

References:
https://www.congress.gov/crs-product/R48910
https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations
https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts
https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim
https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf
https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts
https://www.schwab.com/learn/story/trump-accounts
https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html
https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill
https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA
https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving]]>2044529plan,530aaccount,collegesavings,custodialrothira,darenblonski,estateplanning,financialeducation,generationalwealth,itsallmoney,personalfinance,retirementplanning,sonomawealthadvisors,taxplanning,trumpaccount,trumpaccountsfalse334fullhttps://www.spreaker.com/episode/bonus-episode-behind-the-firm-jackie-egidio-on-running-sonoma-wealth-advisors--72086808• The financial planning conversations every business owner and professional should be having.
• Why it's ok to feel overwhelmed if you've never worked with an advisor before.
• The importance of working with a fiduciary.
• How our team delivers comprehensive wealth management behind the scenes.


The full video episode is also available on the Beyond The Vines YouTube Page: https://youtu.be/2kFfAkhPIxI

Find more Beyond The Vines audio here:
Apple Podcasts: https://podcasts.apple.com/us/podcast/beyond-the-vines/id1710013894
Spotify: https://open.spotify.com/show/3Rrj3STpq5NMIBxQLBXEHK

Learn more about Amy Ahlers at LivXplore Real Estate in Petaluma here on amyahlersrealestate.com: https://amyahlersrealestate.com/about

We hope you enjoyed this bonus podcast episode.

CHAPTERS
0:00 Meet Sonoma Wealth COO Jackie Egidio
1:00 Welcome To The Beyond The Vines Podcast
2:14 From The Wine Industry To Wealth Management
3:08 Why Sonoma Wealth Is A One-Stop Shop
5:04 What Does It Mean To Be A Fiduciary
8:35 Why Going On Tax Extension Isn't A Bad Thing
11:34 Weaving Tax Strategy Into Your Financial Plan
13:45 Meet The 401(k) Retirement Team
16:22 The Exit Planning Gap: Why 70% Of Businesses Never Sell
17:51 A Growing Footprint: Sonoma, Santa Rosa, Chico And Auburn
20:15 How People Are Thinking About Money Differently Today
23:07 Behind The Scenes: What A COO Actually Does
26:47 Keeping Service Consistent As The Firm Grows
30:14 How To Get Started With Sonoma Wealth

References: https://youtu.be/2kFfAkhPIxI]]>https://api.spreaker.com/episode/72086808Wed, 20 May 2026 17:39:24 +0000707 MediaOur Sonoma Wealth Chief Operating Officer Jackie Egidio recently joined the Beyond the Vines podcast with Amy Ahlers, and we're sharing the audio here as a bonus for It's All Money listeners! What's it really like running a financial firm with 12...• The financial planning conversations every business owner and professional should be having.
• Why it's ok to feel overwhelmed if you've never worked with an advisor before.
• The importance of working with a fiduciary.
• How our team delivers comprehensive wealth management behind the scenes.


The full video episode is also available on the Beyond The Vines YouTube Page: https://youtu.be/2kFfAkhPIxI

Find more Beyond The Vines audio here:
Apple Podcasts: https://podcasts.apple.com/us/podcast/beyond-the-vines/id1710013894
Spotify: https://open.spotify.com/show/3Rrj3STpq5NMIBxQLBXEHK

Learn more about Amy Ahlers at LivXplore Real Estate in Petaluma here on amyahlersrealestate.com: https://amyahlersrealestate.com/about

We hope you enjoyed this bonus podcast episode.

CHAPTERS
0:00 Meet Sonoma Wealth COO Jackie Egidio
1:00 Welcome To The Beyond The Vines Podcast
2:14 From The Wine Industry To Wealth Management
3:08 Why Sonoma Wealth Is A One-Stop Shop
5:04 What Does It Mean To Be A Fiduciary
8:35 Why Going On Tax Extension Isn't A Bad Thing
11:34 Weaving Tax Strategy Into Your Financial Plan
13:45 Meet The 401(k) Retirement Team
16:22 The Exit Planning Gap: Why 70% Of Businesses Never Sell
17:51 A Growing Footprint: Sonoma, Santa Rosa, Chico And Auburn
20:15 How People Are Thinking About Money Differently Today
23:07 Behind The Scenes: What A COO Actually Does
26:47 Keeping Service Consistent As The Firm Grows
30:14 How To Get Started With Sonoma Wealth

References: https://youtu.be/2kFfAkhPIxI]]>2034amyahlers,businessoperations,cfp,clientservice,fiduciary,financialadvisor,financialeducation,financialplanning,itsallmoney,jackieegidio,northerncalifornia,personalfinance,sonomawealthadvisors,wealthmanagementfalsebonushttps://www.spreaker.com/episode/inside-a-century-in-the-ag-business-with-serres-ranch--71100468On the latest episode of Sonoma Wealth's life and finance podcast, It’s All Money, Sonoma Wealth Advisor Shelby Wirick and host Dano Weir sit down with Serres Ranch and Serres Corporation company officer Taylor Serres Murnig to learn: 
• The origins of their family’s agricultural business, dating back to 1924 right here in the Valley of the Moon. 
• Why growing grapes and blueberries require completely different approaches. 
• How Taylor re-frames the current status of the wine industry, beyond the headlines to the business opportunity in front of them. 
• The unique relationship between Serres Ranch’s agriculture and Serres Corporation’s construction enterprise. 
• What is it really like working with family? 

Learn more about Serres Ranch: 
Book a private wine tasting: https://www.serresranchwine.com/land 
https://serresranchblueberries.com/
https://serrescorp.com/ 
 
Full video available on our YouTube Channel: https://youtu.be/fuj-Qm-TvIc
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A House Built In 1875
0:32 Welcome To It's All Money: Inside A Century In The Ag Business With Serres Ranch
1:08 From General Hooker To The Serres Family: A Property's History
2:14 Two Verticals: Wine, Blueberries, And 100% Estate Grown
5:24 Why Full Vertical Integration Is Rare In The Wine Industry
8:08 The Ranch Tour Experience And A Diversified Portfolio Of Businesses
13:44 The Benefits And Challenges Of A Family Business
17:05 Meet John Serres: The Patriarch Behind The Ranch
18:32 How Blueberries Became A 25-Year, 150,000-Pound Business
23:51 Farm Family Of The Year And The Role Of The Farm Bureau
27:27 The Other Vertical: Serres Corporation And Construction
29:10 Treating Employees Like Family
31:18 A Passion Project: Sonoma Cryo And Modwella IV Therapy
35:41 Closing: Where To Find Serres Ranch
37:08 Outro & Credits

References:
https://sonomafb.org/serres-family-2023/
]]>https://api.spreaker.com/episode/71100468Wed, 08 Apr 2026 12:39:59 +0000707 MediaWine, blueberries and construction- chances are you’ve experienced Serres Ranch in the last 100 years in Sonoma County.  A Farm Bureau Farm Family Of The Year, the Serres family has become a pillar of the community, with decades of business successes...On the latest episode of Sonoma Wealth's life and finance podcast, It’s All Money, Sonoma Wealth Advisor Shelby Wirick and host Dano Weir sit down with Serres Ranch and Serres Corporation company officer Taylor Serres Murnig to learn: 
• The origins of their family’s agricultural business, dating back to 1924 right here in the Valley of the Moon. 
• Why growing grapes and blueberries require completely different approaches. 
• How Taylor re-frames the current status of the wine industry, beyond the headlines to the business opportunity in front of them. 
• The unique relationship between Serres Ranch’s agriculture and Serres Corporation’s construction enterprise. 
• What is it really like working with family? 

Learn more about Serres Ranch: 
Book a private wine tasting: https://www.serresranchwine.com/land 
https://serresranchblueberries.com/
https://serrescorp.com/ 
 
Full video available on our YouTube Channel: https://youtu.be/fuj-Qm-TvIc
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A House Built In 1875
0:32 Welcome To It's All Money: Inside A Century In The Ag Business With Serres Ranch
1:08 From General Hooker To The Serres Family: A Property's History
2:14 Two Verticals: Wine, Blueberries, And 100% Estate Grown
5:24 Why Full Vertical Integration Is Rare In The Wine Industry
8:08 The Ranch Tour Experience And A Diversified Portfolio Of Businesses
13:44 The Benefits And Challenges Of A Family Business
17:05 Meet John Serres: The Patriarch Behind The Ranch
18:32 How Blueberries Became A 25-Year, 150,000-Pound Business
23:51 Farm Family Of The Year And The Role Of The Farm Bureau
27:27 The Other Vertical: Serres Corporation And Construction
29:10 Treating Employees Like Family
31:18 A Passion Project: Sonoma Cryo And Modwella IV Therapy
35:41 Closing: Where To Find Serres Ranch
37:08 Outro & Credits

References:
https://sonomafb.org/serres-family-2023/
]]>2401agriculturebusiness,businesssuccession,entrepreneurship,familybusiness,financialeducation,itsallmoney,localbusiness,multigenerationalbusiness,personalfinance,ranching,smallbusiness,sonomacounty,sonomawealthadvisorsfalse333fullhttps://www.spreaker.com/episode/are-taxes-crushing-your-gains--70722526• Why your advisor might be just giving you "lazy money".
• How a highly appreciated position you feel "stuck" in from capital gains could potentially be diversified.
• Examining the inexplicable idea that it's possible to be making a gain while banking paper losses, at the same time.
• How to exit rental property ownership while deferring capital gains on the property.
• How a family of 12 who inherited an island (seriously!) used a 721 UpREIT to gain liquidity.

We hope you enjoy and find value in this podcast episode.

Full video available on our YouTube Channel: https://youtu.be/MKfqcd8IuLc
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Three "Logical" Money Myths
0:44 Welcome: Are Taxes Crushing Your Gains?
1:47 What Is "Lazy Money"?
2:54 Taxes: The Block And Tackle Of Finance
4:53 The Money Market Tax Surprise
6:47 Income Tax vs. Capital Gains Tax
7:55 Six Tax-Aware Strategies: The 351 Exchange
14:36 The Exchange Fund
18:17 What Is Direct Indexing?
22:21 Long/Short Direct Indexing And Tax-Loss Harvesting
29:40 Real Estate: 1031 Exchanges, DSTs, And 721 UpREITs
39:00 Charitable Giving With A DAF
41:56 When You Need CLATs, CRTs, And Other Advisors
44:44 Spotting Red Flags In Your Portfolio
47:14 What's The Minimum To Use These Strategies?
49:35 Closing Thoughts
51:28 Outro

References:
https://www.pressdemocrat.com/2010/09/22/sonoma-county-tops-in-volunteering-2/]]>https://api.spreaker.com/episode/70722526Thu, 19 Mar 2026 17:43:23 +0000707 MediaMost households treat taxes as a seasonal exercise in document collection. Meaningful wealth preservation demands something fundamentally different- proactive, year-round tax architecture designed to compound after-tax outcomes over a lifetime. What...• Why your advisor might be just giving you "lazy money".
• How a highly appreciated position you feel "stuck" in from capital gains could potentially be diversified.
• Examining the inexplicable idea that it's possible to be making a gain while banking paper losses, at the same time.
• How to exit rental property ownership while deferring capital gains on the property.
• How a family of 12 who inherited an island (seriously!) used a 721 UpREIT to gain liquidity.

We hope you enjoy and find value in this podcast episode.

Full video available on our YouTube Channel: https://youtu.be/MKfqcd8IuLc
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Three "Logical" Money Myths
0:44 Welcome: Are Taxes Crushing Your Gains?
1:47 What Is "Lazy Money"?
2:54 Taxes: The Block And Tackle Of Finance
4:53 The Money Market Tax Surprise
6:47 Income Tax vs. Capital Gains Tax
7:55 Six Tax-Aware Strategies: The 351 Exchange
14:36 The Exchange Fund
18:17 What Is Direct Indexing?
22:21 Long/Short Direct Indexing And Tax-Loss Harvesting
29:40 Real Estate: 1031 Exchanges, DSTs, And 721 UpREITs
39:00 Charitable Giving With A DAF
41:56 When You Need CLATs, CRTs, And Other Advisors
44:44 Spotting Red Flags In Your Portfolio
47:14 What's The Minimum To Use These Strategies?
49:35 Closing Thoughts
51:28 Outro

References:
https://www.pressdemocrat.com/2010/09/22/sonoma-county-tops-in-volunteering-2/]]>3258capitalgainstax,darenblonski,financialeducation,highearner,investing,itsallmoney,personalfinance,portfoliotaxes,retirementtaxplanning,sonomawealthadvisors,taxefficientinvesting,taxlossharvesting,taxplanning,wealthmanagementfalse332fullhttps://www.spreaker.com/episode/what-the-marine-corps-taught-me-about-finance--70280189

• How and why he left home in Napa to attend the United States Naval Academy in Annapolis. Why the reality of what people in the Marine Corps are really like may surprise you.
• What his experience at the Leadership Laboratory can teach you about beginning your financial journey.
• Why "brilliance in the basics" may be one of the most important financial principles he learned at The Basic School.
• How his experience as a Logistics officer influences how he helps his clients today.

We hope you enjoy this look at the unique background of one of our rising advisors at the firm. Learn more about Gaetano and all of our advisors here on our website: https://sonomawealthadvisors.com/about-us/our-team

Full video available on our YouTube Channel: https://youtu.be/CV8Jv2EsTUQ
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Guessing The Military Motto
1:51 Meet Gaetano Bettinelli, Former Marine Corps Captain
2:41 From Napa To The United States Naval Academy
5:34 Life At Annapolis: Metrics, Rank, And Healthy Competition
12:16 The Leadership Laboratory: Learning To Lead Yourself First
17:42 Choosing Marine Corps Ground And The Basic School
20:07 Brilliance In The Basics: Crawl, Walk, Run
23:44 Logistics In Afghanistan: What It Really Looked Like
29:06 What People Get Wrong About The Military
31:51 Closing Thoughts And Credits
References: https://www.usna.edu/ https://www.war.gov/Multimedia/Experience/Military-Units/marine-corps/

]]>https://api.spreaker.com/episode/70280189Wed, 25 Feb 2026 23:31:30 +0000707 MediaPhysical fitness, crisply-made beds, chopping with high knees and precise execution are foundational principles that could get you through basic training in the United States Marine Corps. But what could those very tenets also teach anyone, even you,...

• How and why he left home in Napa to attend the United States Naval Academy in Annapolis. Why the reality of what people in the Marine Corps are really like may surprise you.
• What his experience at the Leadership Laboratory can teach you about beginning your financial journey.
• Why "brilliance in the basics" may be one of the most important financial principles he learned at The Basic School.
• How his experience as a Logistics officer influences how he helps his clients today.

We hope you enjoy this look at the unique background of one of our rising advisors at the firm. Learn more about Gaetano and all of our advisors here on our website: https://sonomawealthadvisors.com/about-us/our-team

Full video available on our YouTube Channel: https://youtu.be/CV8Jv2EsTUQ
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Guessing The Military Motto
1:51 Meet Gaetano Bettinelli, Former Marine Corps Captain
2:41 From Napa To The United States Naval Academy
5:34 Life At Annapolis: Metrics, Rank, And Healthy Competition
12:16 The Leadership Laboratory: Learning To Lead Yourself First
17:42 Choosing Marine Corps Ground And The Basic School
20:07 Brilliance In The Basics: Crawl, Walk, Run
23:44 Logistics In Afghanistan: What It Really Looked Like
29:06 What People Get Wrong About The Military
31:51 Closing Thoughts And Credits
References: https://www.usna.edu/ https://www.war.gov/Multimedia/Experience/Military-Units/marine-corps/

]]>2119disciplineandmoney,financialconfidence,financialeducation,financialliteracy,investingbasics,itsallmoney,militaryfinance,moneyhabits,personalfinance,retirementplanning,sonomawealthadvisors,veteransfinance,wealthbuildingfalse331fullhttps://www.spreaker.com/episode/saving-torched-data-with-drivesavers--69363198For every Apple store in the world that can't fix an iPhone, for the preferred recovery partner for Dell Computers, and for an obscenely awesome list of celebrities like Harrison Ford, Bruce Willis, Metallica, Bob Weir, Jimmy Buffet and President Gerald Ford the answer to that 'What then' has been DriveSavers in Novato, CA. Host and Sonoma Wealth Marketing Director Dano Weir traveled to their headquarters in Bel Marin Keys to sit down with Head of Cyber Recovery Andy Maus and Director of Engineering Mike Cobb. Enjoy this fascinating conversation about the fragility of data storage, unbelievable recoveries for people who thought everything was lost and asking the question- is your *data* an asset in your persoanl and business financial plan?

Learn more about DriveSavers here: https://drivesaversdatarecovery.com/
Full video available on our YouTube Channel: https://youtu.be/ZiDkg0jdEoQ
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Celebrities Who Lost Everything
1:50 Why "It's Always Going To Be There" Is A Myth
2:57 What DriveSavers Actually Recovers
4:07 Business Continuity, Insurance & Cyber Coverage
6:46 Inside A Ransomware Attack
11:32 15,000 Recoveries A Year & Helping Wildfire Victims
15:38 Inside The Lab: 40 Years Of Data Recovery Gear
17:54 Rebuilding Humpty Dumpty: How Data Recovery Actually Works
21:56 Crypto, Lost Wallets & Seed Phrases
24:26 The DriveSavers Hall Of Fame: Simpsons, Star Trek & Hollywood
28:10 The Apple Partnership & Why Backups Still Matter
31:52 Final Takeaway: What's Your Data Actually Worth?
References: https://drivesaversdatarecovery.com/company/data-recovery-hall-of-fame/ https://www.wired.com/2012/08/how-drivesavers-got-my-data-back/]]>https://api.spreaker.com/episode/69363198Tue, 20 Jan 2026 14:00:08 +0000707 MediaIt's a Digital Age, no, it's a Cloud Digital Age, no no, it's an AI,Cloud, Digital Age where everything is saved forever and lives in your pocket, anytime you want. Until it breaks. Gets dropped in a lake. Hard drive with all your crypto goes click...For every Apple store in the world that can't fix an iPhone, for the preferred recovery partner for Dell Computers, and for an obscenely awesome list of celebrities like Harrison Ford, Bruce Willis, Metallica, Bob Weir, Jimmy Buffet and President Gerald Ford the answer to that 'What then' has been DriveSavers in Novato, CA. Host and Sonoma Wealth Marketing Director Dano Weir traveled to their headquarters in Bel Marin Keys to sit down with Head of Cyber Recovery Andy Maus and Director of Engineering Mike Cobb. Enjoy this fascinating conversation about the fragility of data storage, unbelievable recoveries for people who thought everything was lost and asking the question- is your *data* an asset in your persoanl and business financial plan?

Learn more about DriveSavers here: https://drivesaversdatarecovery.com/
Full video available on our YouTube Channel: https://youtu.be/ZiDkg0jdEoQ
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Celebrities Who Lost Everything
1:50 Why "It's Always Going To Be There" Is A Myth
2:57 What DriveSavers Actually Recovers
4:07 Business Continuity, Insurance & Cyber Coverage
6:46 Inside A Ransomware Attack
11:32 15,000 Recoveries A Year & Helping Wildfire Victims
15:38 Inside The Lab: 40 Years Of Data Recovery Gear
17:54 Rebuilding Humpty Dumpty: How Data Recovery Actually Works
21:56 Crypto, Lost Wallets & Seed Phrases
24:26 The DriveSavers Hall Of Fame: Simpsons, Star Trek & Hollywood
28:10 The Apple Partnership & Why Backups Still Matter
31:52 Final Takeaway: What's Your Data Actually Worth?
References: https://drivesaversdatarecovery.com/company/data-recovery-hall-of-fame/ https://www.wired.com/2012/08/how-drivesavers-got-my-data-back/]]>2163assetprotection,businesscontinuity,businessstory,datarecovery,disasterrecovery,entrepreneurship,financialeducation,itsallmoney,personalfinance,riskmanagement,smallbusiness,sonomawealthadvisors,technologybusinessfalse330fullhttps://www.spreaker.com/episode/10-ways-to-avoid-the-inheritor-s-dilemma--69197899

• Why are emotions the first piece to address in an inheritance plan? What are the risks of co-mingling assets?
• Does this mean you need professional tax help now? What skills do you need to keep inheritances from becoming a 'curse'?
• What's more valuable than 'stuff'?
• We hope you enjoy this practical and grounded look at a complicated part of life.

Full video available on our YouTube Channel: https://youtu.be/_WECTSDfebk
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: You Inherit $100
1:03 Welcome To It's All Money: What Is The Inheritor's Dilemma?
3:44 The Largest Wealth Transfer In U.S. History
5:10 Why This Topic Is So Hard To Talk About
9:01 Don't Ignore Your Feelings
10:45 Daren's Story: Losing His Dad And Brother
13:59 Communicate With The Other Heirs Immediately
20:34 Keep The Assets Separate, Not Commingled
25:03 Why You Should Work With A Fiduciary
28:49 Understand The Tax Implications
33:36 Addressing Non-Cash Inheritances
41:28 Pay Off High-Interest Debt And Build Your Emergency Fund
46:41 Set Your Own Financial Goals
50:56 Enjoy It And Honor Who Gave It To You
53:03 Closing Thanks
53:56 Outro
References: https://sites.lsa.umich.edu/mje/2025/04/03/the-great-wealth-transfer-and-its-implications-for-the-american-economy/ https://www.statista.com/statistics/296974/us-population-share-by-generation/?srsltid=AfmBOopU4fUfrw8KMLku4bNUy-P0JCKGNr-VzwKlooHwLvRFdqLqqBct

]]>https://api.spreaker.com/episode/69197899Tue, 06 Jan 2026 18:00:08 +0000707 MediaKicking off season 3 of It's All Money with a special double-episode answering what seems like an obvious question- is inheriting money a good thing? Well...maybe. In the next 20 years, the largest wealth transfer in the history the USA is about to...

• Why are emotions the first piece to address in an inheritance plan? What are the risks of co-mingling assets?
• Does this mean you need professional tax help now? What skills do you need to keep inheritances from becoming a 'curse'?
• What's more valuable than 'stuff'?
• We hope you enjoy this practical and grounded look at a complicated part of life.

Full video available on our YouTube Channel: https://youtu.be/_WECTSDfebk
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: You Inherit $100
1:03 Welcome To It's All Money: What Is The Inheritor's Dilemma?
3:44 The Largest Wealth Transfer In U.S. History
5:10 Why This Topic Is So Hard To Talk About
9:01 Don't Ignore Your Feelings
10:45 Daren's Story: Losing His Dad And Brother
13:59 Communicate With The Other Heirs Immediately
20:34 Keep The Assets Separate, Not Commingled
25:03 Why You Should Work With A Fiduciary
28:49 Understand The Tax Implications
33:36 Addressing Non-Cash Inheritances
41:28 Pay Off High-Interest Debt And Build Your Emergency Fund
46:41 Set Your Own Financial Goals
50:56 Enjoy It And Honor Who Gave It To You
53:03 Closing Thanks
53:56 Outro
References: https://sites.lsa.umich.edu/mje/2025/04/03/the-great-wealth-transfer-and-its-implications-for-the-american-economy/ https://www.statista.com/statistics/296974/us-population-share-by-generation/?srsltid=AfmBOopU4fUfrw8KMLku4bNUy-P0JCKGNr-VzwKlooHwLvRFdqLqqBct

]]>3408darenblonski,estateplanning,estateplanningmistakes,financialeducation,generationalwealth,heirs,inheritanceplanning,inheritedira,itsallmoney,personalfinance,retirementplanning,sonomawealthadvisors,taxplanning,wealthtransferfalse329fullhttps://www.spreaker.com/episode/how-the-glen-ellen-star-won-12-straight-michelin-bib-s--69068635
• Just what is a Michelin Bib Gourmand award, how is it different from a Michelin Star, how did success at Glen Ellen Star lead to opening their second restaurant Stella in Kenwood, and is a mystery third restaurant coming to Sonoma proper soon?
• Awards are amazing, but they only happen with great food and great people. What early decisions and values both in and out of the kitchen have led to their business success?
• How did success at Glen Ellen Star lead to the opening of their second restaurant, Stella in Kenwood? ....and is a mystery third restaurant coming to Sonoma proper soon?
• How is opening a restaurant from scratch different than opening a restaurant with investors?
• How have changing food and labor costs over the past decade-plus shown up in the menu?
• How does having 1 night a week with no corkage actually result in more full tables?

Whether you've been and loved the Glen Ellen Star or you're looking to learn about it for the first time, we hope you find business insight and maybe get a little hungry from this episode of It's All Money!

Learn more about both restaurants here:
https://www.glenellenstar.com/
https://www.stellakenwood.com/

Full video available on our YouTube Channel: https://youtu.be/cf8rv_FKqLU

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: How Many Restaurants Have Won 12 Michelin Bibs In A Row?
0:49 Welcome To It's All Money: How The Glen Ellen Star Won 12 Straight Michelin Bib's
1:43 What Is A Michelin Bib Gourmand?
4:04 Staying Affordable As Costs Keep Rising
7:02 Back To 2012: How Ari And Spencer Met
8:57 Trading A Day Off For Control Of Your Time
10:58 Spencer's First Night As A Walk-In Customer
12:20 Opening Night: May 18th, 2012
15:58 Reading Reviews And Learning From Yelp
18:13 Building A Reputation Through Food
20:05 Sourcing And Ranch Partnerships
23:18 What Regulars Can Expect At Glen Ellen Star Tonight
25:09 Opening Stella In Kenwood
27:02 Why Stella Leans Italian
28:45 Financing Stella With Investors Vs. Buying Glen Ellen Star Outright
35:35 Is A Third Restaurant Next?
38:31 Building An Incredible Team
43:01 Local Wine, Sonoma County Focus, And Industry Headwinds
45:02 Lessons From Cooking In New York City
48:00 Neighborhood Night And Why Regulars Matter
52:40 A Personal Connection: Getting Married On The Property
55:18 The Search For A Third Location In Downtown Sonoma
58:01 Advice For Anyone Chasing A Restaurant Dream In Sonoma County
59:35 Closing: How To Reach Sonoma Wealth]]>https://api.spreaker.com/episode/69068635Tue, 16 Dec 2025 03:07:08 +0000707 MediaFollowing an unbelievable 12th straight Michelin Bib Gourmand award, host Dano Weir had to track down Chef Ari Weiswasser and Managing Partner Spencer Waite of the Glen Ellen Star restaurant for an episode of It's All Money. • Just what is a Michelin...
• Just what is a Michelin Bib Gourmand award, how is it different from a Michelin Star, how did success at Glen Ellen Star lead to opening their second restaurant Stella in Kenwood, and is a mystery third restaurant coming to Sonoma proper soon?
• Awards are amazing, but they only happen with great food and great people. What early decisions and values both in and out of the kitchen have led to their business success?
• How did success at Glen Ellen Star lead to the opening of their second restaurant, Stella in Kenwood? ....and is a mystery third restaurant coming to Sonoma proper soon?
• How is opening a restaurant from scratch different than opening a restaurant with investors?
• How have changing food and labor costs over the past decade-plus shown up in the menu?
• How does having 1 night a week with no corkage actually result in more full tables?

Whether you've been and loved the Glen Ellen Star or you're looking to learn about it for the first time, we hope you find business insight and maybe get a little hungry from this episode of It's All Money!

Learn more about both restaurants here:
https://www.glenellenstar.com/
https://www.stellakenwood.com/

Full video available on our YouTube Channel: https://youtu.be/cf8rv_FKqLU

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: How Many Restaurants Have Won 12 Michelin Bibs In A Row?
0:49 Welcome To It's All Money: How The Glen Ellen Star Won 12 Straight Michelin Bib's
1:43 What Is A Michelin Bib Gourmand?
4:04 Staying Affordable As Costs Keep Rising
7:02 Back To 2012: How Ari And Spencer Met
8:57 Trading A Day Off For Control Of Your Time
10:58 Spencer's First Night As A Walk-In Customer
12:20 Opening Night: May 18th, 2012
15:58 Reading Reviews And Learning From Yelp
18:13 Building A Reputation Through Food
20:05 Sourcing And Ranch Partnerships
23:18 What Regulars Can Expect At Glen Ellen Star Tonight
25:09 Opening Stella In Kenwood
27:02 Why Stella Leans Italian
28:45 Financing Stella With Investors Vs. Buying Glen Ellen Star Outright
35:35 Is A Third Restaurant Next?
38:31 Building An Incredible Team
43:01 Local Wine, Sonoma County Focus, And Industry Headwinds
45:02 Lessons From Cooking In New York City
48:00 Neighborhood Night And Why Regulars Matter
52:40 A Personal Connection: Getting Married On The Property
55:18 The Search For A Third Location In Downtown Sonoma
58:01 Advice For Anyone Chasing A Restaurant Dream In Sonoma County
59:35 Closing: How To Reach Sonoma Wealth]]>3814businessstory,entrepreneurship,financialeducation,hospitalitybusiness,itsallmoney,localbusiness,michelin,personalfinance,restaurantbusiness,smallbusiness,sonomacounty,sonomawealthadvisors,winecountrybusinessfalse228fullhttps://www.spreaker.com/episode/what-the-gold--68373060
• What could be behind this meteoric rise? 
• How long will it last? How is gold purchased? 
• How is it held? 
• When does a gold ETF make sense for a portfolio? 
• If you have gold lying around, can you really turn it into cash? Wait, would you want to if you could?

While you won’t find us giving out a 1-800 number any time soon, the rise in gold has been too significant to ignore. This educational episode aims to address the gains, and how or if it makes sense for a diversified portfolio.

Full video available on our YouTube Channel: https://youtu.be/oUi8Zqqb3jU
Learn more about Jason Bowman of Napa Gold and Silver here: https://napagoldandsilver.com/
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Is Gold A Meme Stock?
1:03 Welcome To It's All Money
1:30 Gold's Meteoric Rise: Up 52% This Year
2:24 Meet Jason Bowman Of Napa Gold And Silver
3:12 How Jason Got Into The Gold Business
8:15 Gold Fever: Finding Your First Nugget
9:16 A Quick History Of Gold As Money
14:47 Recent Buyer Demand At The Shop
17:26 What Is A Gold ETF?
19:26 Understanding Premiums Over Spot Price
25:37 Show And Tell: Mercury Dimes And Constitutional Silver
30:52 Getting Started: How To Buy Gold And Silver
32:46 Real Or Fake? Spotting A Counterfeit Coin
40:24 Being A Gold Bug In A Volatile Market
48:07 California's $2,000 Sales Tax Rule
52:24 The Case Against Buying Gold Online
55:28 Will The Government Confiscate Gold Again?
59:40 Final Takeaways: Diversify, Diversify, Diversify
63:34 Jason's Philosophy: Relationships Over Transactions

References:
https://seekingalpha.com/article/4828510-gold-miners-outperforming-ai-chip-stocks-this-year
https://www.reuters.com/article/business/timeline-golds-history-as-a-currency-standard-idUSTRE6A71J1/
https://www.stlouisfed.org/open-vault/2022/oct/ghost-bretton-woods-global-economic-system
https://www.presidency.ucsb.edu/documents/executive-order-11825-revocation-executive-orders-pertaining-the-regulation-the https://goldprice.org/gold-price-history.html
https://www.herobullion.com/are-olympic-medals-real-gold/
]]>https://api.spreaker.com/episode/68373060Sat, 01 Nov 2025 00:04:53 +0000707 MediaIt’s one of the oldest "stocks" ever...GOLD. It’s over though, right? That’s the late-night TV infomercial stuff? Your grandpa had it in a safe but you’re living in the future and everything’s digital now? ...right? Then why’s it up 43% this year, and...
• What could be behind this meteoric rise? 
• How long will it last? How is gold purchased? 
• How is it held? 
• When does a gold ETF make sense for a portfolio? 
• If you have gold lying around, can you really turn it into cash? Wait, would you want to if you could?

While you won’t find us giving out a 1-800 number any time soon, the rise in gold has been too significant to ignore. This educational episode aims to address the gains, and how or if it makes sense for a diversified portfolio.

Full video available on our YouTube Channel: https://youtu.be/oUi8Zqqb3jU
Learn more about Jason Bowman of Napa Gold and Silver here: https://napagoldandsilver.com/
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Is Gold A Meme Stock?
1:03 Welcome To It's All Money
1:30 Gold's Meteoric Rise: Up 52% This Year
2:24 Meet Jason Bowman Of Napa Gold And Silver
3:12 How Jason Got Into The Gold Business
8:15 Gold Fever: Finding Your First Nugget
9:16 A Quick History Of Gold As Money
14:47 Recent Buyer Demand At The Shop
17:26 What Is A Gold ETF?
19:26 Understanding Premiums Over Spot Price
25:37 Show And Tell: Mercury Dimes And Constitutional Silver
30:52 Getting Started: How To Buy Gold And Silver
32:46 Real Or Fake? Spotting A Counterfeit Coin
40:24 Being A Gold Bug In A Volatile Market
48:07 California's $2,000 Sales Tax Rule
52:24 The Case Against Buying Gold Online
55:28 Will The Government Confiscate Gold Again?
59:40 Final Takeaways: Diversify, Diversify, Diversify
63:34 Jason's Philosophy: Relationships Over Transactions

References:
https://seekingalpha.com/article/4828510-gold-miners-outperforming-ai-chip-stocks-this-year
https://www.reuters.com/article/business/timeline-golds-history-as-a-currency-standard-idUSTRE6A71J1/
https://www.stlouisfed.org/open-vault/2022/oct/ghost-bretton-woods-global-economic-system
https://www.presidency.ucsb.edu/documents/executive-order-11825-revocation-executive-orders-pertaining-the-regulation-the https://goldprice.org/gold-price-history.html
https://www.herobullion.com/are-olympic-medals-real-gold/
]]>4183alternativeinvestments,darenblonski,financialeducation,goldetf,goldinvesting,inflationhedge,investing,itsallmoney,personalfinance,portfoliodiversification,preciousmetals,sonomawealthadvisors,wealthmanagementfalse227fullhttps://www.spreaker.com/episode/crypto-goes-legit--67923974That last one is hard to swallow because of it's mysterious, scandalous, and in one case truly unknown origin. But like it or not, crypto is becoming a part of the world outside your friend's boyfriend's cousin's basement.
On this episode of It's All Money, Sonoma Wealth CEO Daren Blonski CFP® and Marketing Director Dano Weir look at the real-world proof that crypto is going legit.
• Major trading firms which offer crypto investments.
• Countries with strategic bitcoin reserves.
• Crypto can now be equally considered as an asset for a mortgage.
• What is the GENIUS act?
• Athletes who've been paid in crypto.

What's the future hold? No one can say for sure. As a firm, it's our job to watch trends in the industry and report back to you. Despite it's history, crypto is showing more and more signs of legitimacy. We hope you found this episode at the very least educational.

If you'd like to learn how we help thousands of people retire and stay retired, learn about our Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

Full video available on our YouTube Channel: https://youtu.be/yUPEVRtNF7M

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/


CHAPTERS
0:00 Welcome To It's All Money: Crypto Goes Legit
0:58 How Do You Actually Own Bitcoin?
3:22 What's Actually Changed With Crypto?
4:33 The Genius Act And New Regulatory Clarity
5:34 Crypto And Mortgages: A New Asset Class
6:55 Wall Street Gets In: Institutions And Extended Trading Hours
7:42 The $100 Million Lobby Behind The Genius Act
8:27 Countries Building Strategic Bitcoin Reserves
9:15 Athletes Getting Paid In Bitcoin
10:21 Blockchain's Bigger Promise: Beyond Currency
11:44 Crypto Adoption Is Like The Cell Phone Revolution
13:07 A Blast From The Past: The Pager Story
14:12 Scarcity And Why Bitcoin's Fixed Supply Matters
15:09 How Sonoma Wealth Advises Clients On Crypto
16:07 Have Questions About Crypto? Let's Talk
16:41 Closing Thanks
16:51 Outro

References:
https://www.npr.org/2025/07/17/nx-s1-5451413/crypto-week-stablecoin-genius-act-trump
https://www.whitehouse.gov/fact-sheets/2025/07/fact-sheet-president-donald-j-trump-signs-genius-act-into-law/
https://www.whitehouse.gov/presidential-actions/2025/03/establishment-of-the-strategic-bitcoin-reserve-and-united-states-digital-asset-stockpile/
https://www.coindesk.com/markets/2025/07/19/charles-schwab-ceo-says-crypto-trading-is-coming-soon-will-compete-with-coinbase-for-retail
https://www.usatoday.com/story/sports/nfl/panthers/2020/12/29/russell-okung-paid-half-salary-bitcoin/4071640001/ https://cryptobriefing.com/fhfa-fannie-freddie-crypto-mortgage-proposals/]]>https://api.spreaker.com/episode/67923974Sat, 27 Sep 2025 17:49:39 +0000707 MediaFirst came seashells, then gold, then paper, and now, hold your breath, crypto. That last one is hard to swallow because of it's mysterious, scandalous, and in one case truly unknown origin. But like it or not, crypto is becoming a part of the world...That last one is hard to swallow because of it's mysterious, scandalous, and in one case truly unknown origin. But like it or not, crypto is becoming a part of the world outside your friend's boyfriend's cousin's basement.
On this episode of It's All Money, Sonoma Wealth CEO Daren Blonski CFP® and Marketing Director Dano Weir look at the real-world proof that crypto is going legit.
• Major trading firms which offer crypto investments.
• Countries with strategic bitcoin reserves.
• Crypto can now be equally considered as an asset for a mortgage.
• What is the GENIUS act?
• Athletes who've been paid in crypto.

What's the future hold? No one can say for sure. As a firm, it's our job to watch trends in the industry and report back to you. Despite it's history, crypto is showing more and more signs of legitimacy. We hope you found this episode at the very least educational.

If you'd like to learn how we help thousands of people retire and stay retired, learn about our Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

Full video available on our YouTube Channel: https://youtu.be/yUPEVRtNF7M

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/


CHAPTERS
0:00 Welcome To It's All Money: Crypto Goes Legit
0:58 How Do You Actually Own Bitcoin?
3:22 What's Actually Changed With Crypto?
4:33 The Genius Act And New Regulatory Clarity
5:34 Crypto And Mortgages: A New Asset Class
6:55 Wall Street Gets In: Institutions And Extended Trading Hours
7:42 The $100 Million Lobby Behind The Genius Act
8:27 Countries Building Strategic Bitcoin Reserves
9:15 Athletes Getting Paid In Bitcoin
10:21 Blockchain's Bigger Promise: Beyond Currency
11:44 Crypto Adoption Is Like The Cell Phone Revolution
13:07 A Blast From The Past: The Pager Story
14:12 Scarcity And Why Bitcoin's Fixed Supply Matters
15:09 How Sonoma Wealth Advises Clients On Crypto
16:07 Have Questions About Crypto? Let's Talk
16:41 Closing Thanks
16:51 Outro

References:
https://www.npr.org/2025/07/17/nx-s1-5451413/crypto-week-stablecoin-genius-act-trump
https://www.whitehouse.gov/fact-sheets/2025/07/fact-sheet-president-donald-j-trump-signs-genius-act-into-law/
https://www.whitehouse.gov/presidential-actions/2025/03/establishment-of-the-strategic-bitcoin-reserve-and-united-states-digital-asset-stockpile/
https://www.coindesk.com/markets/2025/07/19/charles-schwab-ceo-says-crypto-trading-is-coming-soon-will-compete-with-coinbase-for-retail
https://www.usatoday.com/story/sports/nfl/panthers/2020/12/29/russell-okung-paid-half-salary-bitcoin/4071640001/ https://cryptobriefing.com/fhfa-fannie-freddie-crypto-mortgage-proposals/]]>1177bitcoinexplained,bitcoinvscrypto,cryptocurrency,cryptoregulation,darenblonski,digitalassets,financialeducation,investing,itsallmoney,personalfinance,portfoliodiversification,sonomawealthadvisors,wealthmanagementfalse226fullhttps://www.spreaker.com/episode/8-secrets-learned-retiring-thousands--67704497 (00:02:16) Don’t retire away, retire to something
(00:06:19) The go-go years, the slo-Go years, and the no-go years
(00:11:40) People are living longer
(00:18:26) Social Security isn’t designed for retirement
(00:22:09) Everyone gets along until you die
(00:24:46) Buy memories, not things
(00:27:31) Checks and balances
(00:30:37) SOMEthing physical

Roth, not-Roth, bonds, Social Security timing... Financial advisors talking retirement all seem to hit the same 4 topics, don't they? What about the rest of the story?

For advisors with eyes, there are details and secrets that fall between the cracks, that can have a huge impact on how you experience your retirement, outside of your portfolio. On this episode of It's All Money, CFP® and Sonoma Wealth CEO Daren Blonski shares 8 secrets he's learned retiring thousands of people in Northern California.

Full video available on our YouTube Channel: https://youtu.be/JGcRKFBzpbg

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A Post-It Note Retirement Plan
0:42 Welcome To It's All Money: Meet Daren Blonski, CFP®
2:17 Lesson One: Don't Retire Away, Retire To Something
6:19 Lesson Two: The Go-Go, Slow-Go, And No-Go Years
11:40 Lesson Three: People Are Living Longer
18:26 Lesson Four: Social Security Isn't Designed For Retirement
22:09 Lesson Five: Everyone Gets Along Until You Die
24:46 Lesson Six: Buy Memories, Not Things
27:31 Lesson Seven: Checks And Balances
30:37 Lesson Eight: Something Physical
35:06 Closing Thanks
35:41 Outro

References:
https://www.statista.com/statistics/1040079/life-expectancy-united-states-all-time/ https://ourworldindata.org/life-expectancy-globally
]]>https://api.spreaker.com/episode/67704497Wed, 10 Sep 2025 15:44:48 +0000707 MediaRoth, not-Roth, bonds, Social Security timing... Financial advisors talking retirement all seem to hit the same 4 topics, don't they? What about the rest of the story? For advisors with eyes, there are details and secrets that fall between the... (00:02:16) Don’t retire away, retire to something
(00:06:19) The go-go years, the slo-Go years, and the no-go years
(00:11:40) People are living longer
(00:18:26) Social Security isn’t designed for retirement
(00:22:09) Everyone gets along until you die
(00:24:46) Buy memories, not things
(00:27:31) Checks and balances
(00:30:37) SOMEthing physical

Roth, not-Roth, bonds, Social Security timing... Financial advisors talking retirement all seem to hit the same 4 topics, don't they? What about the rest of the story?

For advisors with eyes, there are details and secrets that fall between the cracks, that can have a huge impact on how you experience your retirement, outside of your portfolio. On this episode of It's All Money, CFP® and Sonoma Wealth CEO Daren Blonski shares 8 secrets he's learned retiring thousands of people in Northern California.

Full video available on our YouTube Channel: https://youtu.be/JGcRKFBzpbg

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A Post-It Note Retirement Plan
0:42 Welcome To It's All Money: Meet Daren Blonski, CFP®
2:17 Lesson One: Don't Retire Away, Retire To Something
6:19 Lesson Two: The Go-Go, Slow-Go, And No-Go Years
11:40 Lesson Three: People Are Living Longer
18:26 Lesson Four: Social Security Isn't Designed For Retirement
22:09 Lesson Five: Everyone Gets Along Until You Die
24:46 Lesson Six: Buy Memories, Not Things
27:31 Lesson Seven: Checks And Balances
30:37 Lesson Eight: Something Physical
35:06 Closing Thanks
35:41 Outro

References:
https://www.statista.com/statistics/1040079/life-expectancy-united-states-all-time/ https://ourworldindata.org/life-expectancy-globally
]]>2306401k,cfp,darenblonski,financialadvisor,financialconfidence,financialeducation,itsallmoney,personalfinance,retirementincome,retirementmistakes,retirementplanning,retirementtaxplanning,sonomawealthadvisors,wealthmanagementfalse225fullhttps://www.spreaker.com/episode/from-the-ritz-to-cotati-the-amazing-business-story-of-acme-burger--67469137
Full video available on our YouTube Channel: https://youtu.be/Pl4OnU2hhf0
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Learn more about Acme Burger here: https://www.acmeburgerco.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A Friend's Move Highlights Sonoma's Restaurant Scene
1:51 Welcome To It's All Money: Meet The Owners Of Acme Burger
2:39 Choosing Former Restaurant Spaces To Control Costs
5:20 Why Todd Left Fine Dining For Fast-Casual Burgers
10:01 Todd's Path From The Culinary Institute To The Ritz-Carlton
12:05 Erica's Path From The Credit Union To Acme Burger
13:06 How Erica And Todd Actually Met
14:31 The Chance Meeting That Led To Sonoma Mountain Beef
16:42 Opening The First Location In Cotati
17:05 The Press Democrat Write-Up That Changed Everything
20:15 Staying Open Through Wildfire Power Outages
22:44 "Come As You Are": Building A Family-Friendly Restaurant
23:21 The Three Ritz-Carlton Service Steps Behind Every Burger
25:47 Why Kids Belong In Nice Restaurants Too
27:54 Building The Quintessential Acme Burger
30:23 Why Rice Bran Oil Makes Better Fries
32:06 Reinvesting In The Community
33:10 Profit Sharing And Building An Ownership Mindset
36:42 Franchise Plans And What's Next For Acme Burger
39:56 Closing Thanks
41:36 Outro
]]>https://api.spreaker.com/episode/67469137Thu, 21 Aug 2025 16:22:54 +0000707 MediaIt’s 2025! Every business is Robots! Franchises! CORPORATE! ...then how is an upstart local restaurant with humans expanding from 1 to 5 locations in under 6 years? Through a global pandemic? In one of the world’s most highly competitive restaurant...
Full video available on our YouTube Channel: https://youtu.be/Pl4OnU2hhf0
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Learn more about Acme Burger here: https://www.acmeburgerco.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: A Friend's Move Highlights Sonoma's Restaurant Scene
1:51 Welcome To It's All Money: Meet The Owners Of Acme Burger
2:39 Choosing Former Restaurant Spaces To Control Costs
5:20 Why Todd Left Fine Dining For Fast-Casual Burgers
10:01 Todd's Path From The Culinary Institute To The Ritz-Carlton
12:05 Erica's Path From The Credit Union To Acme Burger
13:06 How Erica And Todd Actually Met
14:31 The Chance Meeting That Led To Sonoma Mountain Beef
16:42 Opening The First Location In Cotati
17:05 The Press Democrat Write-Up That Changed Everything
20:15 Staying Open Through Wildfire Power Outages
22:44 "Come As You Are": Building A Family-Friendly Restaurant
23:21 The Three Ritz-Carlton Service Steps Behind Every Burger
25:47 Why Kids Belong In Nice Restaurants Too
27:54 Building The Quintessential Acme Burger
30:23 Why Rice Bran Oil Makes Better Fries
32:06 Reinvesting In The Community
33:10 Profit Sharing And Building An Ownership Mindset
36:42 Franchise Plans And What's Next For Acme Burger
39:56 Closing Thanks
41:36 Outro
]]>2628acmeburger,businessstory,cotati,entrepreneurship,financialeducation,foodbusiness,franchiselessons,itsallmoney,localbusiness,personalfinance,restaurantbusiness,smallbusiness,sonomacounty,sonomawealthadvisorsfalse224fullhttps://www.spreaker.com/episode/why-bitcoin-is-different-than-other-cryptos--66884241
Full video available on our YouTube Channel: https://youtu.be/WOV5STuAt3Q
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Pick The Winner From The Sand
1:28 Welcome Back: Why Bitcoin Is Different From Other Cryptos
2:18 This Episode Is Educational, Not A Sales Pitch
4:05 Crypto Goes Mainstream: Mortgages, Banks, And Regulators
6:24 Crypto Is Already A Digital Currency You're Using
7:40 By The Numbers: 17,134 Cryptocurrencies And Counting
10:22 Currency Risk And Why The Dollar's Trust Matters
12:17 Slow Jamistan: A Micronation's Currency Problem
13:57 Money Printing, Inflation, And Where To Store Value
15:47 Bitcoin's Fixed Supply: Only 21 Million, Ever
16:45 Satoshi Nakamoto: The Mystery Behind Bitcoin's Decentralization
21:31 A Live Demonstration: What Is A Pump And Dump?
25:50 Survivorship Bias And The Myth Of The Smart Investor
29:02 Ethereum, XRP, And Doge: Comparing Bitcoin To The Competition
31:54 Institutions Adopting Crypto: What It Means For Mortgages
33:22 Tulips, DVDs, And Embracing What Comes Next

References:
https://tangem.com/en/blog/post/how-many-cryptocurrencies-exist/
https://www.forbes.com/digital-assets/crypto-prices/?sh=7a54f0bb2478
https://explodingtopics.com/blog/number-of-cryptocurrencies
]]>https://api.spreaker.com/episode/66884241Wed, 23 Jul 2025 13:00:07 +0000707 MediaImagine 17,134 grains of sand in zen garden sand box.  ONE is an absolute winner.  Could you pick it?  Could you pick it from a much smaller box of 534 even? That’s essentially cryptocurrency right now.  Dismissing cryptocurrency is a logical reaction...
Full video available on our YouTube Channel: https://youtu.be/WOV5STuAt3Q
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Pick The Winner From The Sand
1:28 Welcome Back: Why Bitcoin Is Different From Other Cryptos
2:18 This Episode Is Educational, Not A Sales Pitch
4:05 Crypto Goes Mainstream: Mortgages, Banks, And Regulators
6:24 Crypto Is Already A Digital Currency You're Using
7:40 By The Numbers: 17,134 Cryptocurrencies And Counting
10:22 Currency Risk And Why The Dollar's Trust Matters
12:17 Slow Jamistan: A Micronation's Currency Problem
13:57 Money Printing, Inflation, And Where To Store Value
15:47 Bitcoin's Fixed Supply: Only 21 Million, Ever
16:45 Satoshi Nakamoto: The Mystery Behind Bitcoin's Decentralization
21:31 A Live Demonstration: What Is A Pump And Dump?
25:50 Survivorship Bias And The Myth Of The Smart Investor
29:02 Ethereum, XRP, And Doge: Comparing Bitcoin To The Competition
31:54 Institutions Adopting Crypto: What It Means For Mortgages
33:22 Tulips, DVDs, And Embracing What Comes Next

References:
https://tangem.com/en/blog/post/how-many-cryptocurrencies-exist/
https://www.forbes.com/digital-assets/crypto-prices/?sh=7a54f0bb2478
https://explodingtopics.com/blog/number-of-cryptocurrencies
]]>2310bitcoinexplained,bitcoinvscrypto,cryptobasics,cryptocurrency,darenblonski,digitalassets,financialeducation,investing,itsallmoney,personalfinance,portfoliodiversification,sonomawealthadvisors,wealthmanagementfalse223fullhttps://www.spreaker.com/episode/4-strategies-when-interest-rates-won-t-drop--66850792
Full video available on our YouTube Channel: https://youtu.be/_Tfmt4nhr4o
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Waiting For Interest Rates To Drop
1:48 Welcome To It's All Money
6:31 What Even Are “Interest Rates”?
16:08 #1 – Get Your Debt Under Control
22:57 #2 – Be Honest About Real Estate
31:04 #3 – Maximizing Cash
34:41 #4 – What To Do In The Market
40:30 Closing Thoughts

References: https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620 https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high https://www.macrotrends.net/2015/fed-funds-rate-historical-chart https://www.nerdwallet.com/article/banking/historical-cd-rates https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c https://www.nerdwallet.com/article/finance/data-2023-budgeting-report https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm
]]>https://api.spreaker.com/episode/66850792Thu, 03 Jul 2025 14:44:14 +0000707 MediaWe're in year 3 of interest rates being basically 2-4x what they were the prior 3 years. Just this past month, June 2025, Fed Chair Jerome Powell said “For the time being, we are well positioned to wait to learn more about the likely course of the...
Full video available on our YouTube Channel: https://youtu.be/_Tfmt4nhr4o
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Waiting For Interest Rates To Drop
1:48 Welcome To It's All Money
6:31 What Even Are “Interest Rates”?
16:08 #1 – Get Your Debt Under Control
22:57 #2 – Be Honest About Real Estate
31:04 #3 – Maximizing Cash
34:41 #4 – What To Do In The Market
40:30 Closing Thoughts

References: https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620 https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high https://www.macrotrends.net/2015/fed-funds-rate-historical-chart https://www.nerdwallet.com/article/banking/historical-cd-rates https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c https://www.nerdwallet.com/article/finance/data-2023-budgeting-report https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm
]]>2665bondyields,financialeducation,fixedincomeinvesting,housingmarket,interestrates,investing,itsallmoney,mortgagerates,personalfinance,portfoliostrategy,rateenvironment,retirementplanning,sonomawealthadvisorsfalse222fullhttps://www.spreaker.com/episode/certified-financial-planner-reacts-to-bad-internet-money-advice--66715706
Full video available on our YouTube Channel: https://youtu.be/DQBwIDGnE04
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis


CHAPTERS
0:00 Cold Open: What's Inside The Internet?
1:03 Welcome To It's All Money
1:48 Today's Episode: Reacting To Bad Internet Money Advice
2:36 Clip One: Hard Knocks And The Compound Interest Pitch
3:53 What Financial Advisors Actually Do For Their Fee
8:25 Clip Two: The New Bitcoin Ad
8:57 Is Bitcoin Really The "Only" Store Of Value?
12:05 Clip Three: Jerry Jones On "Tolerance For Ambiguity"
14:31 Why Knowing Your Risk Tolerance Helps You Stick To A Plan
18:39 Clip Four: The Two-Income Trap
20:38 How This Ties Back To Today's Economy
23:20 Clip Five: The Wolf Of Wall Street Slams CNBC
25:06 Why Long-Term Thinking Beats Timing The Market
27:50 The I-5 Analogy For Sticking To Your Plan
29:30 Clip Six: The "Free" G-Wagon Real Estate Trick
32:30 Clip Seven: Should Your Emergency Fund Sit In An Index Fund?
33:59 Clip Eight: Can You Really "Write Off" A Private Chef?
36:34 Final Takeaways: Reading Internet Money Advice Wisely
References: https://www.blackrock.com/us/individual/literature/whitepaper/re-underwriting-bitcoin.pdf https://advisors.vanguard.com/content/dam/fas/pdfs/IARCQAA.pdf https://en.wikipedia.org/wiki/The_Two-Income_Trap https://www.irs.gov/pub/irs-drop/n-18-76.pdf

References:
Financial Advice from the Cleveland Brownshttps://www.youtube.com/watch?v=uN9WSgeETCoSource: HBO, NFL Films
New Bitcoin Adhttps://www.instagram.com/reel/DJkJLeoxlV9/?igsh=NTc4MTIwNjQ2YQ==Source: Coinbase
Risk Tolerance With Jerry Joneshttps://www.instagram.com/reel/DIgeCK2OLRc/?igsh=NTc4MTIwNjQ2YQ==Source: Undeniable with Joe Buck
Two Income Traphttps://www.instagram.com/reel/DJcInkGswmB/?igsh=NTc4MTIwNjQ2YQ==Source: Last Meal With Tom Nash
Wolf Of Wall Street on CNBChttps://www.instagram.com/reel/DIzDFynTxKx/?igsh=NTc4MTIwNjQ2YQ==Source: @wolfofwallst instagram
Rentals to buy a G Wagonhttps://youtube.com/shorts/FM_ChKFVUJ4?si=cdQWr4R4e1O-X1tMSource: ThachNguyen, YouTube
Emergency Fund in the Market?https://www.youtube.com/shorts/MxZFjTqp4GcSource: Ben Alistor, YouTube
Writing Off My Private Chefhttps://youtube.com/shorts/dwt1fggBga0?si=LS1mljmiqFuDaxh8Source: Karlton Dennis Youtube
https://www.blackrock.com/us/individual/literature/whitepaper/re-underwriting-bitcoin.pdfhttps://advisors.vanguard.com/content/dam/fas/pdfs/IARCQAA.pdfhttps://en.wikipedia.org/wiki/The_Two-Income_Traphttps://www.irs.gov/pub/irs-drop/n-18-76.pdf
]]>https://api.spreaker.com/episode/66715706Tue, 24 Jun 2025 00:58:53 +0000707 MediaWe've all been doomscrolling on a phone at god-knows-AM when some stranger in a video says something that makes “sense” about money. Ever wonder what a CERTIFIED FINANCIAL PLANNER® might say to that same video? In this fun episode of It's All Money,...
Full video available on our YouTube Channel: https://youtu.be/DQBwIDGnE04
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis


CHAPTERS
0:00 Cold Open: What's Inside The Internet?
1:03 Welcome To It's All Money
1:48 Today's Episode: Reacting To Bad Internet Money Advice
2:36 Clip One: Hard Knocks And The Compound Interest Pitch
3:53 What Financial Advisors Actually Do For Their Fee
8:25 Clip Two: The New Bitcoin Ad
8:57 Is Bitcoin Really The "Only" Store Of Value?
12:05 Clip Three: Jerry Jones On "Tolerance For Ambiguity"
14:31 Why Knowing Your Risk Tolerance Helps You Stick To A Plan
18:39 Clip Four: The Two-Income Trap
20:38 How This Ties Back To Today's Economy
23:20 Clip Five: The Wolf Of Wall Street Slams CNBC
25:06 Why Long-Term Thinking Beats Timing The Market
27:50 The I-5 Analogy For Sticking To Your Plan
29:30 Clip Six: The "Free" G-Wagon Real Estate Trick
32:30 Clip Seven: Should Your Emergency Fund Sit In An Index Fund?
33:59 Clip Eight: Can You Really "Write Off" A Private Chef?
36:34 Final Takeaways: Reading Internet Money Advice Wisely
References: https://www.blackrock.com/us/individual/literature/whitepaper/re-underwriting-bitcoin.pdf https://advisors.vanguard.com/content/dam/fas/pdfs/IARCQAA.pdf https://en.wikipedia.org/wiki/The_Two-Income_Trap https://www.irs.gov/pub/irs-drop/n-18-76.pdf

References:
Financial Advice from the Cleveland Brownshttps://www.youtube.com/watch?v=uN9WSgeETCoSource: HBO, NFL Films
New Bitcoin Adhttps://www.instagram.com/reel/DJkJLeoxlV9/?igsh=NTc4MTIwNjQ2YQ==Source: Coinbase
Risk Tolerance With Jerry Joneshttps://www.instagram.com/reel/DIgeCK2OLRc/?igsh=NTc4MTIwNjQ2YQ==Source: Undeniable with Joe Buck
Two Income Traphttps://www.instagram.com/reel/DJcInkGswmB/?igsh=NTc4MTIwNjQ2YQ==Source: Last Meal With Tom Nash
Wolf Of Wall Street on CNBChttps://www.instagram.com/reel/DIzDFynTxKx/?igsh=NTc4MTIwNjQ2YQ==Source: @wolfofwallst instagram
Rentals to buy a G Wagonhttps://youtube.com/shorts/FM_ChKFVUJ4?si=cdQWr4R4e1O-X1tMSource: ThachNguyen,...]]>2301badmoneyadvice,cfp,darenblonski,financialadvisor,financialeducation,financialliteracy,investingmyths,itsallmoney,moneytips,personalfinance,retirementplanning,sonomawealthadvisors,wealthmanagementfalse221fullhttps://www.spreaker.com/episode/what-actually-happens-when-social-security-goes-broke--66423040
Full video available on our YouTube Channel: https://youtu.be/PvJltOGCRlU

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Is Social Security Really Going Broke?
0:41 Meet The Guest: Certified Social Security Advisor Clay Dunkle
1:02 Why We're Keeping Politics Out Of This
2:39 How Social Security Is Actually Funded
5:20 From Surplus To Deficit: What Changed
7:23 What Happens When The Trust Fund Runs Dry
9:17 So It Doesn't Go Broke — It Just Pays Less
10:27 The Numbers: Receipts, Expenditures, And The 2034 Deadline
12:34 The Real Problem: Fewer Workers, More Retirees
14:17 How The 2025 Tax Proposals Could Make It Worse
17:07 The Double-Dipping Change Nobody's Talking About
19:35 Should You Even Plan Around Social Security?
22:57 The Big Question: Claim At 62, Full Retirement Age, Or 70?
30:01 Final Takeaways: What To Do About It

References:
https://www.ssa.gov/oact/trsum/ https://www.ssa.gov/news/en/press/releases/2025-06-18.html
https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html
https://www.ssa.gov/benefits/retirement/planner/delayret.html
]]>https://api.spreaker.com/episode/66423040Fri, 06 Jun 2025 17:37:10 +0000707 MediaEverybody knows ‘Social Security is going to go broke’...but is it? A Social Security discussion often becomes a political one, and a key question often gets ignored for a retiree - what functionally happens to the check I get every month when Social...
Full video available on our YouTube Channel: https://youtu.be/PvJltOGCRlU

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Is Social Security Really Going Broke?
0:41 Meet The Guest: Certified Social Security Advisor Clay Dunkle
1:02 Why We're Keeping Politics Out Of This
2:39 How Social Security Is Actually Funded
5:20 From Surplus To Deficit: What Changed
7:23 What Happens When The Trust Fund Runs Dry
9:17 So It Doesn't Go Broke — It Just Pays Less
10:27 The Numbers: Receipts, Expenditures, And The 2034 Deadline
12:34 The Real Problem: Fewer Workers, More Retirees
14:17 How The 2025 Tax Proposals Could Make It Worse
17:07 The Double-Dipping Change Nobody's Talking About
19:35 Should You Even Plan Around Social Security?
22:57 The Big Question: Claim At 62, Full Retirement Age, Or 70?
30:01 Final Takeaways: What To Do About It

References:
https://www.ssa.gov/oact/trsum/ https://www.ssa.gov/news/en/press/releases/2025-06-18.html
https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html
https://www.ssa.gov/benefits/retirement/planner/delayret.html
]]>1982darenblonski,financialeducation,itsallmoney,personalfinance,retirementincome,retirementmistakes,retirementplanning,socialsecurity,socialsecuritybenefits,socialsecurityretirement,sonomawealthadvisors,whentoclaimsocialsecurityfalse220fullhttps://www.spreaker.com/episode/getting-real-about-real-estate-in-2025--65702332
Filmed on-location at SOMO Cowork in Rohnert Park, CA: https://www.somocowork.com/

Guests:
Kristie Eddy
Sotheby's International Realty
(949) 577-1717
Kristie.Eddy@Sothebys.Realty
http://www.kristieeddy.com/
Youtube: @kristieeddy
DRE# 02095273

Mary Bienek
Sotheby's International Realty
(707) 787-8659
Mary@marybienek.com
https://www.sothebysrealty.com/eng/associate/180-a-3176-66368357/mary-bienek
Youtube: @marybienek1
DRE#01877389

Morgan Devencenzi
Sullivan Group @ eXp Realty
(707) 696.8654
Morgan@sullivangroupwinecountry.com
https://morgansullivan.exprealty.com/index.php
Youtube: @hellosonomacounty
DRE Number: 02092448

Miguel Paredes III
Holmes Burrell Real Estate
(415) 233-3235
Miguel@holmesburrell.com
https://miguel.viewnorthbayhomes.com/
Youtube: @miguelaparedesiiiholmesbur8394
DRE License# 01790855

Chris Meadors
Compass Napa and Sonoma
(707) 287-3528
Chris@meadorsgroup.com
https://www.meadorsgroup.com/
Youtube: @chrismeadors7814
DRE #02024636

Mary Fillinger
Pearson Fillinger Group @ Hedge Realty
(650) 703-4800
mary@fillingerteam.com
https://pearsonfillinger.com/
YouTube: @PearsonFillinger
DRE #02147040

Full video available on our YouTube Channel: https://youtu.be/2nUiLsfHMXA

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Meet The Real Estate Panel
4:38 Real Estate Headlines: How Bad Was 2024, Really?
8:07 The COVID Frenzy And Why Inventory Cratered
14:32 What's The Deal With The Commission Lawsuit?
22:48 Interest Rates: Why There's No Such Thing As A Bad One
29:16 Flipping Vs. Buy-And-Hold Right Now
33:15 Why Now Is Actually A Good Time To Buy
39:49 Is Zillow Even Close To Accurate?
45:11 Do First-Time Homebuyers Still Exist In The North Bay?
49:55 Realtor Success Stories: Client Wins That Mattered
1:04:37 Closing Thoughts & Where To Find These Realtors

References: https://spectrumnews1.com/ca/southern-california/housing/2024/09/30/home-turnovers-are-at-their-lowest-level-in-30-years https://www.nytimes.com/2024/12/11/realestate/housing-market-2024-2025.html https://www.realestatenews.com/2025/03/24/home-sales-optimism-fades-with-nar-economists-new-forecast https://www.reuters.com/markets/us/us-pending-home-sales-tumble-record-low-january-2025-02-27/ https://www.northbaybusinessjournal.com/article/industry-news/sonoma-county-lost-decade-of-new-housing-in-2008-financial-crisis/ https://rocket.com/homes/market-reports/ca/sonoma-county https://www.resiclubanalytics.com/p/the-vanishing-young-homebuyer-median-first-time-homebuyer-age-jumps-from-28-in-1991-to-38-in-2024 https://www.nytimes.com/2024/11/26/realestate/nar-settlement-approval-commissions.html https://www.zillow.com/learn/influencing-your-zestimate/ https://www.rocketmortgage.com/learn/historical-mortgage-rates-30-year-fixed
]]>https://api.spreaker.com/episode/65702332Fri, 25 Apr 2025 14:47:59 +0000707 MediaReal Estate Headlines hurt these days don't they? "Pending Sales Hit All Time Low." "Commission Litigation Could Impact Sales." "REAL ESTATE HALTED." While trends, data and comps matter, in real estate every deal is unique and individual. Your...
Filmed on-location at SOMO Cowork in Rohnert Park, CA: https://www.somocowork.com/

Guests:
Kristie Eddy
Sotheby's International Realty
(949) 577-1717
Kristie.Eddy@Sothebys.Realty
http://www.kristieeddy.com/
Youtube: @kristieeddy
DRE# 02095273

Mary Bienek
Sotheby's International Realty
(707) 787-8659
Mary@marybienek.com
https://www.sothebysrealty.com/eng/associate/180-a-3176-66368357/mary-bienek
Youtube: @marybienek1
DRE#01877389

Morgan Devencenzi
Sullivan Group @ eXp Realty
(707) 696.8654
Morgan@sullivangroupwinecountry.com
https://morgansullivan.exprealty.com/index.php
Youtube: @hellosonomacounty
DRE Number: 02092448

Miguel Paredes III
Holmes Burrell Real Estate
(415) 233-3235
Miguel@holmesburrell.com
https://miguel.viewnorthbayhomes.com/
Youtube: @miguelaparedesiiiholmesbur8394
DRE License# 01790855

Chris Meadors
Compass Napa and Sonoma
(707) 287-3528
Chris@meadorsgroup.com
https://www.meadorsgroup.com/
Youtube: @chrismeadors7814
DRE #02024636

Mary Fillinger
Pearson Fillinger Group @ Hedge Realty
(650) 703-4800
mary@fillingerteam.com
https://pearsonfillinger.com/
YouTube: @PearsonFillinger
DRE #02147040

Full video available on our YouTube Channel: https://youtu.be/2nUiLsfHMXA

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Meet The Real Estate Panel
4:38 Real Estate Headlines: How Bad Was 2024, Really?
8:07 The COVID Frenzy And Why Inventory Cratered
14:32 What's The Deal With The Commission Lawsuit?
22:48 Interest Rates: Why There's No Such Thing As A Bad One
29:16 Flipping Vs. Buy-And-Hold Right Now
33:15 Why Now Is Actually A Good Time To Buy
39:49 Is Zillow Even Close To Accurate?
45:11 Do First-Time Homebuyers Still Exist In The North Bay?
49:55 Realtor Success Stories: Client Wins That Mattered
1:04:37 Closing Thoughts & Where To Find These Realtors

References: https://spectrumnews1.com/ca/southern-california/housing/2024/09/30/home-turnovers-are-at-their-lowest-level-in-30-years https://www.nytimes.com/2024/12/11/realestate/housing-market-2024-2025.html https://www.realestatenews.com/2025/03/24/home-sales-optimism-fades-with-nar-economists-new-forecast https://www.reuters.com/markets/us/us-pending-home-sales-tumble-record-low-january-2025-02-27/ https://www.northbaybusinessjournal.com/article/industry-news/sonoma-county-lost-decade-of-new-housing-in-2008-financial-crisis/ https://rocket.com/homes/market-reports/ca/sonoma-county https://www.resiclubanalytics.com/p/the-vanishing-young-homebuyer-median-first-time-homebuyer-age-jumps-from-28-in-1991-to-38-in-2024 https://www.nytimes.com/2024/11/26/realestate/nar-settlement-approval-commissions.html https://www.zillow.com/learn/influencing-your-zestimate/...]]>4010financialeducation,homebuying,housingmarket,interestrates,investing,itsallmoney,mortgagerates,personalfinance,propertyinvesting,realestateinvesting,realestatemarket,sonomawealthadvisors,wealthbuildingfalse219fullhttps://www.spreaker.com/episode/you-don-t-want-to-hear-this-episode-about-estate-mistakes--64486514
Full video available on our YouTube Channel: https://youtu.be/E-E4cwYmgaQ

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Does Every Estate Plan Go As Planned?
1:45 Welcome To The Show: Talking Estate Mistakes
5:21 How Federal And State Taxes Hit Your Estate
7:49 The Hidden Cost Of Prop 19 On Inherited Property
11:33 The 10-Year Rule On Inherited IRAs
13:36 Roth Conversions And The Step-Up In Basis
17:05 The Risk Of DIY Estate Planning
21:20 How Family Dynamics Shape An Estate Plan
23:48 What Is A Private Fiduciary?
25:02 What A Well-Planned Estate Looks Like
27:53 Protecting Your Family From Predatory Advisors
28:58 Closing Thoughts

References:
https://www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax https://www.boe.ca.gov/pdf/pub801.pdf 
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary]]>https://api.spreaker.com/episode/64486514Wed, 12 Mar 2025 01:45:06 +0000707 MediaYou don't want to watch this episode. No one does. But if you're a planner, you probably need to. Depending on the situation, the government can take a 40% bite of what you have just to transfer it from you to your loved ones. Did you know naming...
Full video available on our YouTube Channel: https://youtu.be/E-E4cwYmgaQ

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Does Every Estate Plan Go As Planned?
1:45 Welcome To The Show: Talking Estate Mistakes
5:21 How Federal And State Taxes Hit Your Estate
7:49 The Hidden Cost Of Prop 19 On Inherited Property
11:33 The 10-Year Rule On Inherited IRAs
13:36 Roth Conversions And The Step-Up In Basis
17:05 The Risk Of DIY Estate Planning
21:20 How Family Dynamics Shape An Estate Plan
23:48 What Is A Private Fiduciary?
25:02 What A Well-Planned Estate Looks Like
27:53 Protecting Your Family From Predatory Advisors
28:58 Closing Thoughts

References:
https://www.irs.gov/businesses/small-businesses-self-employed/whats-new-estate-and-gift-tax https://www.boe.ca.gov/pdf/pub801.pdf 
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary]]>1861darenblonski,estateplanning,estateplanningmistakes,financialeducation,generationalwealth,heirs,inheritanceplanning,itsallmoney,personalfinance,sonomawealthadvisors,taxplanning,wealthtransfer,willsandtrustsfalse218fullhttps://www.spreaker.com/episode/8-ways-sonoma-wealth-thinks-about-money--64480690
Full video available on our YouTube Channel: https://youtu.be/2G6j5QqV4pI

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Everything You Shouldn't Do With Money
0:55 Welcome To The Show: Money Is Mostly Psychology
1:46 Telling Your Money Where To Go
7:32 Understanding Trade-Offs
12:42 Paying Yourself First
16:48 Examining Archaic Mental Models
22:09 Debt Is Not An Asset Class
25:05 The Power Of Getting Organized
32:26 Emotional Intelligence Around Needs And Wants
38:08 Barbell Thinking And Diversification
41:58 The 8 Ways, In Reverse
42:57 Closing Thoughts And Next Steps

References: https://www.advisorperspectives.com/articles/2025/02/12/nvidia-shares-no-longer-bulletproof-deepseek-fears
]]>https://api.spreaker.com/episode/64480690Wed, 26 Feb 2025 06:15:07 +0000707 Media"Money's all in your mind" sounds pretty hokey, doesn't it? But trace every decision you've ever made in life, including your money. Where did it all flow from? Right 😉🧠. At Sonoma Wealth Advisors, we offer a holistic approach for our clients (and...
Full video available on our YouTube Channel: https://youtu.be/2G6j5QqV4pI

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Everything You Shouldn't Do With Money
0:55 Welcome To The Show: Money Is Mostly Psychology
1:46 Telling Your Money Where To Go
7:32 Understanding Trade-Offs
12:42 Paying Yourself First
16:48 Examining Archaic Mental Models
22:09 Debt Is Not An Asset Class
25:05 The Power Of Getting Organized
32:26 Emotional Intelligence Around Needs And Wants
38:08 Barbell Thinking And Diversification
41:58 The 8 Ways, In Reverse
42:57 Closing Thoughts And Next Steps

References: https://www.advisorperspectives.com/articles/2025/02/12/nvidia-shares-no-longer-bulletproof-deepseek-fears
]]>2685cfp,darenblonski,fiduciary,financialconfidence,financialeducation,financialplanning,investingphilosophy,itsallmoney,moneymindset,personalfinance,retirementplanning,sonomawealthadvisors,wealthmanagementfalse217fullhttps://www.spreaker.com/episode/what-is-tax-planning--64308466It's All Money to discuss one of his favorite parts of the business, and analyze the subtle nuance of the phrase “It's not what you make that matters, it's what you keep that counts.”

Full video available on our YouTube Channel: https://youtu.be/ZzXenWLy6gY

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 The $20 Tax Question (Cold Open)
0:35 Meet Clay Dunkle: His Podcast Debut
1:56 Tax Planning vs. Tax Service: What's the Difference?
5:53 What a Real Tax Planning Review Looks Like
9:17 It's Not What You Make, It's What You Keep
10:04 Why Good Tax Help Is Getting Harder to Find
14:53 Case Study: Meet John Doe
16:55 The Backdoor Roth IRA Strategy
18:53 Donor-Advised Funds Explained
20:42 Annuity Distributions and Taxes
23:00 Home Sale Cost Basis and Capital Improvements
25:33 Closing Thoughts and Next Steps
References: https://www.irs.gov/taxtopics/tc701 https://www.irs.gov/forms-pubs/about-form-8606 https://www.fidelitycharitable.org/guidance/charitable-tax-strategies/bunching-charitable-donations.html
]]>https://api.spreaker.com/episode/64308466Tue, 11 Feb 2025 01:09:36 +0000707 MediaWe’ve all “done our taxes”. Gather up documents, send them in to your person or software program, maybe you write a check or maybe you receive a check. But have you ever had a conversation with a professional about the long-term tax burden of being in...It's All Money to discuss one of his favorite parts of the business, and analyze the subtle nuance of the phrase “It's not what you make that matters, it's what you keep that counts.”

Full video available on our YouTube Channel: https://youtu.be/ZzXenWLy6gY

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 The $20 Tax Question (Cold Open)
0:35 Meet Clay Dunkle: His Podcast Debut
1:56 Tax Planning vs. Tax Service: What's the Difference?
5:53 What a Real Tax Planning Review Looks Like
9:17 It's Not What You Make, It's What You Keep
10:04 Why Good Tax Help Is Getting Harder to Find
14:53 Case Study: Meet John Doe
16:55 The Backdoor Roth IRA Strategy
18:53 Donor-Advised Funds Explained
20:42 Annuity Distributions and Taxes
23:00 Home Sale Cost Basis and Capital Improvements
25:33 Closing Thoughts and Next Steps
References: https://www.irs.gov/taxtopics/tc701 https://www.irs.gov/forms-pubs/about-form-8606 https://www.fidelitycharitable.org/guidance/charitable-tax-strategies/bunching-charitable-donations.html
]]>1650capitalgainstax,cfp,darenblonski,financialeducation,highearner,itsallmoney,personalfinance,retirementtaxplanning,sonomawealthadvisors,taxefficientinvesting,taxplanning,wealthmanagement,yearroundtaxstrategyfalse216fullhttps://www.spreaker.com/episode/is-it-time-to-breakup-with-your-broker--63878958Host Dano Weir and Sonoma Wealth Managing Principals Daren Blonski CFP® and Chris Sipes CFP® look at the key questions around the broker v. fiduciary divide. How are they paid? Why is a "suitable" investment for you perhaps very different than something in your "best interest"? Wait, why wouldn't your advisor show you something in your best interest? And find out your answer to this question- is it time to breakup with your broker?

Full video available on our YouTube Channel: https://youtu.be/rFLQZLj1Lc8

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Are You Buying From A Broker?
1:11 Welcome To It's All Money: Is It Time To Break Up With Your Broker?
2:26 What Is A Fiduciary?
3:22 Why "Best Interest" Rules Keep Getting Blocked
5:37 The Car Dealership Example: Minivan Vs. Truck
6:57 Why This Relationship Feels So Personal
8:12 Daren's Story As A "Recovering Broker"
11:35 How Fiduciaries Actually Get Paid
12:55 The Hybrid Advisor Problem
13:41 What CFP Really Means
16:06 CFP Vs. Financial Advisor: What's The Difference?
20:04 Why Advisors Never Stop Studying
21:27 Wall Street's Manufacturing Business And Share Classes
25:04 The "Happy Meal" Brokerage
26:37 The Real Cost Of Staying With The Wrong Advisor
28:57 Are You Ready To Break Up With Your Broker?
29:23 The One Question To Ask Any Advisor
30:38 Closing: How To Reach Sonoma Wealth

References:
https://www.aoshearman.com/en/insights/texas-two-step-dol-fiduciary-rule-halted-by-texas-district-courts
https://www.cfp.net/ethics/code-of-ethics-and-standards-of-conduct]]>https://api.spreaker.com/episode/63878958Fri, 24 Jan 2025 17:23:23 +0000707 MediaIs your "financial advisor" actually a Broker? An insurance agent? Or a Fiduciary to you? Host Dano Weir and Sonoma Wealth Managing Principals Daren Blonski CFP® and Chris Sipes CFP® look at the key questions around the broker v. fiduciary divide. How...Host Dano Weir and Sonoma Wealth Managing Principals Daren Blonski CFP® and Chris Sipes CFP® look at the key questions around the broker v. fiduciary divide. How are they paid? Why is a "suitable" investment for you perhaps very different than something in your "best interest"? Wait, why wouldn't your advisor show you something in your best interest? And find out your answer to this question- is it time to breakup with your broker?

Full video available on our YouTube Channel: https://youtu.be/rFLQZLj1Lc8

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Are You Buying From A Broker?
1:11 Welcome To It's All Money: Is It Time To Break Up With Your Broker?
2:26 What Is A Fiduciary?
3:22 Why "Best Interest" Rules Keep Getting Blocked
5:37 The Car Dealership Example: Minivan Vs. Truck
6:57 Why This Relationship Feels So Personal
8:12 Daren's Story As A "Recovering Broker"
11:35 How Fiduciaries Actually Get Paid
12:55 The Hybrid Advisor Problem
13:41 What CFP Really Means
16:06 CFP Vs. Financial Advisor: What's The Difference?
20:04 Why Advisors Never Stop Studying
21:27 Wall Street's Manufacturing Business And Share Classes
25:04 The "Happy Meal" Brokerage
26:37 The Real Cost Of Staying With The Wrong Advisor
28:57 Are You Ready To Break Up With Your Broker?
29:23 The One Question To Ask Any Advisor
30:38 Closing: How To Reach Sonoma Wealth

References:
https://www.aoshearman.com/en/insights/texas-two-step-dol-fiduciary-rule-halted-by-texas-district-courts
https://www.cfp.net/ethics/code-of-ethics-and-standards-of-conduct]]>1935brokerdealer,cfp,clientbestinterest,darenblonski,feeonlyadvisor,fiduciary,financialadvisor,financialeducation,financialplanning,itsallmoney,personalfinance,sonomawealthadvisors,wealthmanagementfalse215fullhttps://www.spreaker.com/episode/from-carpenter-to-cattle-rancher-johnny-fagundes-of-full-circle-ranches--63508237
Full video available on our YouTube Channel: https://youtu.be/91_T0FRza2Y

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Learn more about Full Circle Ranches here: https://fullcircleranches.com/
Learn more about Panizzera Meat Company here: https://www.panizzerameatco.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Show Open: Boots, Pearl Snaps, And Full Circle Ranches
1:06 A Tour Of Full Circle Ranches' Home Base
2:11 From Grandfather's Cattle To A Weekend Hobby
3:44 The Union Carpenter Career Before The Ranch
4:25 Watching The Meat Shortage On TV During Lockdown
4:58 Why There Was Nowhere Local To Process Cattle
5:17 From Backyard Idea To A USDA-Licensed Mobile Harvest Unit
6:25 What The Community Thought Of The New Guy
6:58 A Federal Inspector Watches Every Animal
8:57 The Old-Timer Who Taught Him To Butcher
10:50 Two Businesses: JMF Slaughter Vs. Full Circle Ranches
11:09 What "Full Circle" Really Means
12:54 Breeding For Marbling, Flavor, And Grade
15:37 How Much Space Do The Cattle Actually Get?
18:09 Has Being The New Guy Ruffled Any Feathers?
19:57 Four Years In: Living The Dream
21:47 His One Piece Of Advice For Anyone Dreaming Of The Leap
23:36 Lena's Role Running Full Circle Ranches
25:39 The Story Behind The Beef Tallow Hand Cream
27:31 What Makes Sonoma County Beef Different — And Why Most Ship To Nebraska
31:15 Where To Find Full Circle Ranches Beef
32:34 Closing: New Studio Vibes And A Truck Of Hay

References:
https://www.usda.gov/about-usda/news/blog/whats-your-beef-prime-choice-or-select https://pmc.ncbi.nlm.nih.gov/articles/PMC9478983/
]]>https://api.spreaker.com/episode/63508237Wed, 08 Jan 2025 14:25:06 +0000707 MediaIt's a New Year, and you might be dreaming of making that big leap. That career you've always wondered and worried about. How would it affect your income? Would you make it? How could you afford it before you make it? How much would it cost? This guy...
Full video available on our YouTube Channel: https://youtu.be/91_T0FRza2Y

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Learn more about Full Circle Ranches here: https://fullcircleranches.com/
Learn more about Panizzera Meat Company here: https://www.panizzerameatco.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Show Open: Boots, Pearl Snaps, And Full Circle Ranches
1:06 A Tour Of Full Circle Ranches' Home Base
2:11 From Grandfather's Cattle To A Weekend Hobby
3:44 The Union Carpenter Career Before The Ranch
4:25 Watching The Meat Shortage On TV During Lockdown
4:58 Why There Was Nowhere Local To Process Cattle
5:17 From Backyard Idea To A USDA-Licensed Mobile Harvest Unit
6:25 What The Community Thought Of The New Guy
6:58 A Federal Inspector Watches Every Animal
8:57 The Old-Timer Who Taught Him To Butcher
10:50 Two Businesses: JMF Slaughter Vs. Full Circle Ranches
11:09 What "Full Circle" Really Means
12:54 Breeding For Marbling, Flavor, And Grade
15:37 How Much Space Do The Cattle Actually Get?
18:09 Has Being The New Guy Ruffled Any Feathers?
19:57 Four Years In: Living The Dream
21:47 His One Piece Of Advice For Anyone Dreaming Of The Leap
23:36 Lena's Role Running Full Circle Ranches
25:39 The Story Behind The Beef Tallow Hand Cream
27:31 What Makes Sonoma County Beef Different — And Why Most Ship To Nebraska
31:15 Where To Find Full Circle Ranches Beef
32:34 Closing: New Studio Vibes And A Truck Of Hay

References:
https://www.usda.gov/about-usda/news/blog/whats-your-beef-prime-choice-or-select https://pmc.ncbi.nlm.nih.gov/articles/PMC9478983/
]]>2078agriculturebusiness,businessstory,careerchange,entrepreneurship,financialeducation,fullcircleranches,itsallmoney,localbusiness,personalfinance,petaluma,ranching,smallbusiness,sonomacounty,sonomawealthadvisorsfalse214fullhttps://www.spreaker.com/episode/back-to-school-with-a-billion-first-live-audience--63489246
Full video available on our YouTube Channel: https://youtu.be/RLeBwomN4CU
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Welcome To Our First Live Audience
1:43 What Does It Mean To Manage A Billion Dollars?
2:37 From Firefighter To Financial Advisor
4:52 Green Lights: Deciding And Letting The Universe Show Up
8:57 Pivot: Why You Have To Kill Your Sacred Cow
10:26 Knocking On 9,000 Doors For His First Client
12:38 What Social Media Gets Wrong About Millionaires
13:38 What A Financial Advisor Actually Does
14:14 Creating Value Vs. Chasing Money
15:09 Money As A Tool For Meaningful Life Moments
15:36 Where Does Your Money Actually Live?
16:19 The Biggest Money Mistake New Grads Make
17:21 Investing In Yourself Is A Superpower
18:48 When Should You Start Investing?
19:40 Is It OK To Borrow Money From Family?
20:36 Does A Fancy Car Mean You're Wealthy?
21:00 Student Q&A: What Inspired The Podcast?
25:42 What Makes A Business Successful, From The Ground Up
28:58 Do You Even Need An Advisor If You Can Use Vanguard?
30:49 Behavioral Finance: Your Brain Is Wired To Get It Wrong
33:21 Broker Vs. Fiduciary: The Difference That Matters
35:21 Where Insurance Agents Cross The Fiduciary Line
36:27 Meme Coins, Pump And Dumps, And Rug Pulls
38:34 How Daren Finds Value In His Work
42:39 Should Young People Trade Stocks?
50:44 Should You Follow Your Passion Or The Money?
52:43 "We Can't Do Everything, But You Can Do Anything"
55:49 Closing: Thank You, Casa Grande

References:
https://advisors.vanguard.com/advisors-alpha https://www.fiscaldata.treasury.gov/americas-finance-guide/national-debt/ https://www.investopedia.com/terms/f/fiduciary.asp https://www.investopedia.com/terms/b/broker.asp]]>https://api.spreaker.com/episode/63489246Fri, 27 Dec 2024 18:18:02 +0000707 MediaBack To School after 20+ years to pay it forward. Dano Weir and Daren Blonski CFP® host the first episode of It's All Money with a live audience back at their high school, Casa Grande High School in Petaluma, CA. The firm recently passed the billion...
Full video available on our YouTube Channel: https://youtu.be/RLeBwomN4CU
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Welcome To Our First Live Audience
1:43 What Does It Mean To Manage A Billion Dollars?
2:37 From Firefighter To Financial Advisor
4:52 Green Lights: Deciding And Letting The Universe Show Up
8:57 Pivot: Why You Have To Kill Your Sacred Cow
10:26 Knocking On 9,000 Doors For His First Client
12:38 What Social Media Gets Wrong About Millionaires
13:38 What A Financial Advisor Actually Does
14:14 Creating Value Vs. Chasing Money
15:09 Money As A Tool For Meaningful Life Moments
15:36 Where Does Your Money Actually Live?
16:19 The Biggest Money Mistake New Grads Make
17:21 Investing In Yourself Is A Superpower
18:48 When Should You Start Investing?
19:40 Is It OK To Borrow Money From Family?
20:36 Does A Fancy Car Mean You're Wealthy?
21:00 Student Q&A: What Inspired The Podcast?
25:42 What Makes A Business Successful, From The Ground Up
28:58 Do You Even Need An Advisor If You Can Use Vanguard?
30:49 Behavioral Finance: Your Brain Is Wired To Get It Wrong
33:21 Broker Vs. Fiduciary: The Difference That Matters
35:21 Where Insurance Agents Cross The Fiduciary Line
36:27 Meme Coins, Pump And Dumps, And Rug Pulls
38:34 How Daren Finds Value In His Work
42:39 Should Young People Trade Stocks?
50:44 Should You Follow Your Passion Or The Money?
52:43 "We Can't Do Everything, But You Can Do Anything"
55:49 Closing: Thank You, Casa Grande

References:
https://advisors.vanguard.com/advisors-alpha https://www.fiscaldata.treasury.gov/americas-finance-guide/national-debt/ https://www.investopedia.com/terms/f/fiduciary.asp https://www.investopedia.com/terms/b/broker.asp]]>3452careeradvice,cfp,danoweir,darenblonski,entrepreneurship,financialeducation,financialliteracy,investingbasics,itsallmoney,moneytips,personalfinance,sonomawealthadvisors,students,wealthmanagementfalse113fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/bitcoin-explained-to-a-guy-who-knows-zero
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Mario Coin Riddle
2:12 Welcome to It's All Money
3:23 What Is Crypto, Really?
7:06 Creating Coins Out of Thin Air: Public and Private Keys
9:14 Cash vs. Bitcoin: The ATV Purchase
12:00 The 21 Million Cap and the Case for Scarcity
14:43 Splitting Bitcoin and Why It Can't Be Shut Down
17:54 Bitcoin Culture and How Daren Got Hooked
19:57 Is Bitcoin Used for Illegal Transactions?
20:52 Can Bitcoin Be Hacked? Exchanges, Mount Gox, and Regulation
23:38 A Bitcoin ATM in a Petaluma Market
25:28 Is Bitcoin More Dangerous Than Traditional Currency?
28:26 Bitcoin ETFs Explained Through Gold
32:14 Hodling, Lost Wallets, and the Coins That Never Move
35:58 What Happens If the Dollar Recalibrates?
37:12 Echoes of 2008 and the Birth of Bitcoin
39:29 How Bitcoin Mining Actually Works
44:06 Debunking the Bitcoin Energy Myth
46:11 Digital Photos as an Analogy for Cash and Crypto
46:59 The Dollar Is Being Inflated Away
48:14 Should You Add Bitcoin to Your Portfolio?
49:10 Everything Is Backed by Belief
51:20 The Bitcoin Landfill: James Howells' Lost Fortune
52:47 The Forgotten Password Worth $190 Million
54:06 A 1708 Shipwreck and the History of Lost Wealth
55:50 NFTs, Scams, and Spotting Bitcoin Maximalists
58:40 Wrap-Up and Disclosure

Refrences:
https://www.investopedia.com/terms/c/cryptocurrency.asp
https://www.nerdwallet.com/article/investing/cryptocurrency
https://en.wikipedia.org/wiki/Cryptocurrency
https://www.imf.org/en/Blogs/Articles/2024/08/15/carbon-emissions-from-ai-and-crypto-are-surging-and-tax-policy-can-help
https://www.bbc.com/news/articles/cgr0dyy152jo
https://www.msn.com/en-us/money/markets/analyst-warns-of-leverage-driven-xrp-pump-as-token-flips-tether/ar-AA1v5Enr
https://www.history.com/news/san-jose-shipwreck-battle-2
https://www.investopedia.com/articles/forex/121815/bitcoins-price-history.asp]]>https://api.spreaker.com/episode/63261856Wed, 11 Dec 2024 05:17:43 +0000707 MediaOk Cypto Bros, with the 100k milestone upon us, it's finally time to do an episode on Bitcoin. As basic an episode as possible, because while host Daren Blonski CFP® has been wise to the coin world for some time, co-host Dano Weir only knows what he's...
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: The Mario Coin Riddle
2:12 Welcome to It's All Money
3:23 What Is Crypto, Really?
7:06 Creating Coins Out of Thin Air: Public and Private Keys
9:14 Cash vs. Bitcoin: The ATV Purchase
12:00 The 21 Million Cap and the Case for Scarcity
14:43 Splitting Bitcoin and Why It Can't Be Shut Down
17:54 Bitcoin Culture and How Daren Got Hooked
19:57 Is Bitcoin Used for Illegal Transactions?
20:52 Can Bitcoin Be Hacked? Exchanges, Mount Gox, and Regulation
23:38 A Bitcoin ATM in a Petaluma Market
25:28 Is Bitcoin More Dangerous Than Traditional Currency?
28:26 Bitcoin ETFs Explained Through Gold
32:14 Hodling, Lost Wallets, and the Coins That Never Move
35:58 What Happens If the Dollar Recalibrates?
37:12 Echoes of 2008 and the Birth of Bitcoin
39:29 How Bitcoin Mining Actually Works
44:06 Debunking the Bitcoin Energy Myth
46:11 Digital Photos as an Analogy for Cash and Crypto
46:59 The Dollar Is Being Inflated Away
48:14 Should You Add Bitcoin to Your Portfolio?
49:10 Everything Is Backed by Belief
51:20 The Bitcoin Landfill: James Howells' Lost Fortune
52:47 The Forgotten Password Worth $190 Million
54:06 A 1708 Shipwreck and the History of Lost Wealth
55:50 NFTs, Scams, and Spotting Bitcoin Maximalists
58:40 Wrap-Up and Disclosure

Refrences:
https://www.investopedia.com/terms/c/cryptocurrency.asp
https://www.nerdwallet.com/article/investing/cryptocurrency
https://en.wikipedia.org/wiki/Cryptocurrency
https://www.imf.org/en/Blogs/Articles/2024/08/15/carbon-emissions-from-ai-and-crypto-are-surging-and-tax-policy-can-help
https://www.bbc.com/news/articles/cgr0dyy152jo
https://www.msn.com/en-us/money/markets/analyst-warns-of-leverage-driven-xrp-pump-as-token-flips-tether/ar-AA1v5Enr
https://www.history.com/news/san-jose-shipwreck-battle-2
https://www.investopedia.com/articles/forex/121815/bitcoins-price-history.asp]]>3636bitcoinexplained,bitcoinvscrypto,cryptobasics,cryptocurrency,danoweir,darenblonski,digitalassets,financialeducation,investing,itsallmoney,personalfinance,portfoliodiversification,sonomawealthadvisorsfalse112fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/why-gratitude-can-pay-dividends
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Hosting Duties and an Alphabet Soup of Letters
0:13 Welcome to It's All Money
0:25 A Thanksgiving Episode on Gratitude
1:10 The Science of Gratitude: Two Key Parts
2:45 Health Benefits Backed by Research
3:44 Daren's Disneyland Confession
4:08 The Smile Exercise and Losing His Dad and Brother
7:19 Dano's Grind Mentality and the Risk of Burnout
9:33 "It's All a Story": Choosing How We Respond
13:28 How Long-Distance Running Rewired Dano's Mindset
15:09 Gratitude as a Muscle: Coaching His Son
15:59 Bringing Gratitude Into the Business World
16:23 Frank's Story: Grace Through a Terminal Diagnosis
19:11 Larry Fitzgerald and the Power of Genuine Curiosity
21:07 The Meat Counter Moment
22:09 Curiosity as a Superpower, With an Honest Intention
23:20 Losing His Voice and Finding the Right Acupuncturist
25:24 Referrals, Creating Value, and Letting Money Follow
26:27 What Are You Grateful For This Thanksgiving?
27:22 Family, Health, and the 49ers
28:58 Wrap-Up and Disclosure

References:
https://www.si.com/college/pittsburgh/football/pitt-panthers-larry-fitzgerald-highest-paid-wr-nfl-history
https://bakadesuyo.com/2011/12/who-makes-more-money-nice-people-or-mean-peop/
https://www.wsj.com/articles/SB10001424053111904823804576502763895892974
https://www.sciencedaily.com/releases/2011/11/111102125648.htm
https://ggsc.berkeley.edu/images/uploads/GGSC-JTF_White_Paper-Gratitude-FINAL.pdf
https://www.businessinsider.com/gratitude-makes-you-rich-2015-2
https://www.mindful.org/the-science-of-gratitude/]]>https://api.spreaker.com/episode/63036316Wed, 27 Nov 2024 22:24:23 +0000707 MediaIn the spirit of Thanksgiving, Dano and Daren discuss both data-based and anecdotal evidence how practicing gratitude could possibly benefit your health, wealth, business and more. https://youtu.be/Zy6FnVtTGWI If you're new to Sonoma Wealth, book...
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Hosting Duties and an Alphabet Soup of Letters
0:13 Welcome to It's All Money
0:25 A Thanksgiving Episode on Gratitude
1:10 The Science of Gratitude: Two Key Parts
2:45 Health Benefits Backed by Research
3:44 Daren's Disneyland Confession
4:08 The Smile Exercise and Losing His Dad and Brother
7:19 Dano's Grind Mentality and the Risk of Burnout
9:33 "It's All a Story": Choosing How We Respond
13:28 How Long-Distance Running Rewired Dano's Mindset
15:09 Gratitude as a Muscle: Coaching His Son
15:59 Bringing Gratitude Into the Business World
16:23 Frank's Story: Grace Through a Terminal Diagnosis
19:11 Larry Fitzgerald and the Power of Genuine Curiosity
21:07 The Meat Counter Moment
22:09 Curiosity as a Superpower, With an Honest Intention
23:20 Losing His Voice and Finding the Right Acupuncturist
25:24 Referrals, Creating Value, and Letting Money Follow
26:27 What Are You Grateful For This Thanksgiving?
27:22 Family, Health, and the 49ers
28:58 Wrap-Up and Disclosure

References:
https://www.si.com/college/pittsburgh/football/pitt-panthers-larry-fitzgerald-highest-paid-wr-nfl-history
https://bakadesuyo.com/2011/12/who-makes-more-money-nice-people-or-mean-peop/
https://www.wsj.com/articles/SB10001424053111904823804576502763895892974
https://www.sciencedaily.com/releases/2011/11/111102125648.htm
https://ggsc.berkeley.edu/images/uploads/GGSC-JTF_White_Paper-Gratitude-FINAL.pdf
https://www.businessinsider.com/gratitude-makes-you-rich-2015-2
https://www.mindful.org/the-science-of-gratitude/]]>1832behavioralfinance,danoweir,darenblonski,financialconfidence,financialeducation,financialliteracy,investingpsychology,itsallmoney,moneymindset,personalfinance,sonomawealthadvisors,wealthbuildingfalse111fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/portfolios-dont-care-whos-president
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Teasing an Election Episode
0:43 Welcome to the Conference Room: Framing the Discussion
1:10 A Delicate Topic, Two Days After the Election
1:56 The Scope: Portfolios and the Economy, Not Politics
2:52 Episode Title Reveal: Portfolios Don't Care Who's President
4:18 Common Misconceptions: Bitcoin, EVs, and Big Tech 4:37 Trump's New Advisors vs. the First-Term Neocons
7:10 S&P 500 Performance By Presidential Party
8:06 Trump's Tough Inheritance: A Market Already High
8:48 The 800-Pound Gorilla: Why Both Parties Keep Printing Money
9:39 Inflation and Unemployment, Democrat vs. Republican
10:13 Reading Between the Lines on Jobs Data
12:43 The Newsweek Headline: Democrats vs. Republicans and Stock Returns
14:26 The Real Lesson: Stay Invested, Don't Time Elections
14:45 The PwC Pulse Survey: What CEOs Actually Expect
16:28 Beyond the President: State and Federal Agencies Rank Higher
17:14 Perspective: The Presidency's Limits and Checks on Power
18:11 Larry Fink: "I'm Tired of Hearing This Is the Biggest Election"
19:03 Wrapping Up: What This Episode Was (And Wasn't) About
19:43 Daren's College Story: Why Systems Outlast Any One Person

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]]>https://api.spreaker.com/episode/62757264Fri, 15 Nov 2024 18:15:18 +0000707 MediaWell...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...
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Teasing an Election Episode
0:43 Welcome to the Conference Room: Framing the Discussion
1:10 A Delicate Topic, Two Days After the Election
1:56 The Scope: Portfolios and the Economy, Not Politics
2:52 Episode Title Reveal: Portfolios Don't Care Who's President
4:18 Common Misconceptions: Bitcoin, EVs, and Big Tech 4:37 Trump's New Advisors vs. the First-Term Neocons
7:10 S&P 500 Performance By Presidential Party
8:06 Trump's Tough Inheritance: A Market Already High
8:48 The 800-Pound Gorilla: Why Both Parties Keep Printing Money
9:39 Inflation and Unemployment, Democrat vs. Republican
10:13 Reading Between the Lines on Jobs Data
12:43 The Newsweek Headline: Democrats vs. Republicans and Stock Returns
14:26 The Real Lesson: Stay Invested, Don't Time Elections
14:45 The PwC Pulse Survey: What CEOs Actually Expect
16:28 Beyond the President: State and Federal Agencies Rank Higher
17:14 Perspective: The Presidency's Limits and Checks on Power
18:11 Larry Fink: "I'm Tired of Hearing This Is the Biggest Election"
19:03 Wrapping Up: What This Episode Was (And Wasn't) About
19:43 Daren's College Story: Why Systems Outlast Any One Person

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]]>1366behavioralfinance,darenblonski,electionandmarkets,financialeducation,investing,itsallmoney,longterminvesting,personalfinance,portfoliodiversification,retirementplanning,sonomawealthadvisors,stockmarket,wealthmanagementfalse110fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/how-much-does-pain-cost
Full video on our YouTube Channel

It's All Money is powered by Sonoma Wealth Advisors Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Learn more about Josh and Basecamp Phyiscal Therapy here: https://bcperformanceco.com/

CHAPTERS
0:00 The Cold Open: A Loaded Question
0:28 Live in East Petaluma With Dr. Josh Madonick
2:11 What Is Basecamp Physical Therapy?
3:08 Dano's Own Story: A Running Injury and a Bad Diagnosis
4:47 Meeting Josh at a Running Club
5:59 The Fix That Actually Worked
7:37 Why Doesn't Josh Take Insurance?
9:34 How Insurance Fee Schedules Distort Patient Care
11:37 Cash PT vs. Insurance PT: What You're Really Paying For
12:47 How Untreated Pain Cascades Into Bigger Health Costs
14:33 Client Story: Jane and the Meniscus Tear
18:35 Josh's Path to Petaluma
20:37 Why Josh Left a Desk Job for Physical Therapy
22:39 Building Health Span, Not Just Lifespan
23:49 Running a Business: Team, Failures, and Growth
27:32 A Big Success and the Community That Helped
30:57 Wrap-Up and Disclosures]]>https://api.spreaker.com/episode/62563980Thu, 31 Oct 2024 01:25:03 +0000707 MediaIt'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...
Full video on our YouTube Channel

It's All Money is powered by Sonoma Wealth Advisors Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Learn more about Josh and Basecamp Phyiscal Therapy here: https://bcperformanceco.com/

CHAPTERS
0:00 The Cold Open: A Loaded Question
0:28 Live in East Petaluma With Dr. Josh Madonick
2:11 What Is Basecamp Physical Therapy?
3:08 Dano's Own Story: A Running Injury and a Bad Diagnosis
4:47 Meeting Josh at a Running Club
5:59 The Fix That Actually Worked
7:37 Why Doesn't Josh Take Insurance?
9:34 How Insurance Fee Schedules Distort Patient Care
11:37 Cash PT vs. Insurance PT: What You're Really Paying For
12:47 How Untreated Pain Cascades Into Bigger Health Costs
14:33 Client Story: Jane and the Meniscus Tear
18:35 Josh's Path to Petaluma
20:37 Why Josh Left a Desk Job for Physical Therapy
22:39 Building Health Span, Not Just Lifespan
23:49 Running a Business: Team, Failures, and Growth
27:32 A Big Success and the Community That Helped
30:57 Wrap-Up and Disclosures]]>2065costofcare,financialeducation,financialplanning,healthandmoney,healthcarecosts,itsallmoney,longtermcare,medicalexpenses,personalfinance,retirementplanning,sonomawealthadvisors,wealthmanagementfalse19fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/f-is-for-fiduciary
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 The 15 Names for the Same Job
0:49 Welcome to the Sonoma Wealth Advisors Conference Room
2:38 Meet the Guests: Rachel Schuyler and Chris Sipes, CFP®
4:55 Where the Word 'Broker' Actually Comes From
6:05 How Broker-Dealers Make Their Money
9:32 Fund Families and the Menu of Mutual Funds
10:40 A Real Example: Selling the Bond Fund With the Most Commission
14:20 Introducing the RIA and the Fiduciary Standard
15:41 How Fee-Based Advisors Actually Get Paid
19:53 Asset Management vs. Financial Planning: What's the Difference?
23:25 The Fitness Analogy: Coach vs. Meal Plan
25:21 Where Insurance Agents Fit Into the Picture
27:39 Captive Agents vs. Independent Agents
30:02 The Three Duties of a True Fiduciary
32:10 When a Client Insists on a Bad Idea Anyway
33:46 Rachel's Verdict: Fiduciary vs. Her Old Job
34:59 Wrap-Up and Disclosures

References: https://analyzingalpha.com/stock-brokerage-history
https://www.etymonline.com/word/broker https://www.oed.com/dictionary/stockbroker_n?tab=etymology-paywall
https://www.letsmakeaplan.org/choosing-a-planner/fiduciary-duty-your-interests-should-come-first]]>https://api.spreaker.com/episode/62259710Wed, 16 Oct 2024 13:00:02 +0000707 MediaBroker, money manager, wealth manager, private banker, accountant, stock broker, investment advisor...financial services has so many titles for very similar positions. Host Dano Weir dives into a perhaps more important word that begins with F,...
Full video on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 The 15 Names for the Same Job
0:49 Welcome to the Sonoma Wealth Advisors Conference Room
2:38 Meet the Guests: Rachel Schuyler and Chris Sipes, CFP®
4:55 Where the Word 'Broker' Actually Comes From
6:05 How Broker-Dealers Make Their Money
9:32 Fund Families and the Menu of Mutual Funds
10:40 A Real Example: Selling the Bond Fund With the Most Commission
14:20 Introducing the RIA and the Fiduciary Standard
15:41 How Fee-Based Advisors Actually Get Paid
19:53 Asset Management vs. Financial Planning: What's the Difference?
23:25 The Fitness Analogy: Coach vs. Meal Plan
25:21 Where Insurance Agents Fit Into the Picture
27:39 Captive Agents vs. Independent Agents
30:02 The Three Duties of a True Fiduciary
32:10 When a Client Insists on a Bad Idea Anyway
33:46 Rachel's Verdict: Fiduciary vs. Her Old Job
34:59 Wrap-Up and Disclosures

References: https://analyzingalpha.com/stock-brokerage-history
https://www.etymonline.com/word/broker https://www.oed.com/dictionary/stockbroker_n?tab=etymology-paywall
https://www.letsmakeaplan.org/choosing-a-planner/fiduciary-duty-your-interests-should-come-first]]>2189brokervsadvisor,cfp,chrissipes,clientbestinterest,feestructure,fiduciary,financialadvisor,financialeducation,financialplanning,itsallmoney,personalfinance,sonomawealthadvisors,wealthmanagementfalse18fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/the-1-answer-that-could-determine-where-all-your-money-is-invested
Full video on our YouTube Channel 

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Dad Jokes and a Board Game Called Risk
0:58 Introducing Shelby Wirick and Today's Topic: Risk Tolerance
1:27 What Is Risk Tolerance, Really?
2:54 A Quick History Lesson: How Wall Street Created the Risk Score
4:30 How a Risk Tolerance Score Actually Gets Built
5:26 The 'Puke Point' Test and the 0-100 Risk Scale
8:02 Risk Tolerance vs. Risk Capacity: What's the Difference?
9:12 The 'Rule of Thirds' and Why Most Investors Get Burned
10:17 When Someone's Risk Tolerance Doesn't Match Reality
12:17 Types of Portfolios: Ownership vs. Loanership
14:32 Why Diversification Matters (and the Starbucks Example)
17:16 Most Investors Are Concentrated in U.S. Stocks
20:12 Investing Is Emotional, Not Just Math
20:52 Two Client Scenarios: When Tolerance and Capacity Are Out of Sync
22:58 FOMO, YOLO, and Chasing the Hottest Stock
24:39 Why This Conversation Is at the Core of Financial Planning
26:33 Wrap-Up And Disclosures 

References: https://www.bankrate.com/investing/what-is-risk-tolerance/#how-to-determine-your-risk-tolerance]]>https://api.spreaker.com/episode/62110177Wed, 02 Oct 2024 13:00:02 +0000707 MediaRisk tolerance probably doesn't feel like a key to financial success for you. Did you know your reported risk tolerance could determine where and what investments your entire portfolio goes into? Hosts Dano Weir and Daren Blonski, CFP® sit down with...
Full video on our YouTube Channel 

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Dad Jokes and a Board Game Called Risk
0:58 Introducing Shelby Wirick and Today's Topic: Risk Tolerance
1:27 What Is Risk Tolerance, Really?
2:54 A Quick History Lesson: How Wall Street Created the Risk Score
4:30 How a Risk Tolerance Score Actually Gets Built
5:26 The 'Puke Point' Test and the 0-100 Risk Scale
8:02 Risk Tolerance vs. Risk Capacity: What's the Difference?
9:12 The 'Rule of Thirds' and Why Most Investors Get Burned
10:17 When Someone's Risk Tolerance Doesn't Match Reality
12:17 Types of Portfolios: Ownership vs. Loanership
14:32 Why Diversification Matters (and the Starbucks Example)
17:16 Most Investors Are Concentrated in U.S. Stocks
20:12 Investing Is Emotional, Not Just Math
20:52 Two Client Scenarios: When Tolerance and Capacity Are Out of Sync
22:58 FOMO, YOLO, and Chasing the Hottest Stock
24:39 Why This Conversation Is at the Core of Financial Planning
26:33 Wrap-Up And Disclosures 

References: https://www.bankrate.com/investing/what-is-risk-tolerance/#how-to-determine-your-risk-tolerance]]>1698assetallocation,cfp,financialeducation,financialplanning,investing,investmentstrategy,itsallmoney,personalfinance,portfoliodiversification,riskcapacity,risktolerance,sonomawealthadvisors,wealthmanagementfalse17fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/trends-from-a-thirty-year-trader
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.

Book your Wealth Analysis right here

Full video available on our YouTube Channel 

CHAPTERS
0:00 Cold Open: The Trading Rule Daren Won't Explain (Yet)
1:28 Why Market Psychology Matters More Than the Numbers
4:08 What This Episode Is Really About: Demystifying Seasonality
5:25 Retail vs. Institutional Investors: Who Really Moves the Market
7:31 What Is Market Seasonality, and Does the Data Back It Up?
8:05 Systemic Risk vs. Asymmetric Risk, Explained
8:39 The Monthly Return Chart: Why January Looks Like New Year's Resolutions
10:33 California Reservoirs, Sunshine, and Emotional Investing
11:32 The September/October Selloff, and Why It Happens Almost Every Year
12:53 Trading Volume and the Slow Summer Market ('The August Float')
14:12 Why the Market Often Rallies Into Year-End
16:21 'Sell in May' and Other Trading Sayings, Tested
17:35 Why Surviving Downturns Matters More Than Timing Them
18:55 The Role of a Financial Planner When Emotions Take Over
20:18 The West Coast Trading Day and Where 'False Signals' Come From
25:55 The Vanguard Study on Behavioral Coaching ('Advisor's Alpha')

References: https://www.thestreet.com/dictionary/retail-investors https://www.investing.com/analysis/sell-in-may-and-walk-away-not-this-year-121730]]>https://api.spreaker.com/episode/61352170Fri, 20 Sep 2024 17:46:52 +0000707 MediaFOR 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...
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.

Book your Wealth Analysis right here

Full video available on our YouTube Channel 

CHAPTERS
0:00 Cold Open: The Trading Rule Daren Won't Explain (Yet)
1:28 Why Market Psychology Matters More Than the Numbers
4:08 What This Episode Is Really About: Demystifying Seasonality
5:25 Retail vs. Institutional Investors: Who Really Moves the Market
7:31 What Is Market Seasonality, and Does the Data Back It Up?
8:05 Systemic Risk vs. Asymmetric Risk, Explained
8:39 The Monthly Return Chart: Why January Looks Like New Year's Resolutions
10:33 California Reservoirs, Sunshine, and Emotional Investing
11:32 The September/October Selloff, and Why It Happens Almost Every Year
12:53 Trading Volume and the Slow Summer Market ('The August Float')
14:12 Why the Market Often Rallies Into Year-End
16:21 'Sell in May' and Other Trading Sayings, Tested
17:35 Why Surviving Downturns Matters More Than Timing Them
18:55 The Role of a Financial Planner When Emotions Take Over
20:18 The West Coast Trading Day and Where 'False Signals' Come From
25:55 The Vanguard Study on Behavioral Coaching ('Advisor's Alpha')

References: https://www.thestreet.com/dictionary/retail-investors https://www.investing.com/analysis/sell-in-may-and-walk-away-not-this-year-121730]]>1733behavioralfinance,darenblonski,financialeducation,investing,itsallmoney,longterminvesting,marketpsychology,personalfinance,portfoliostrategy,retirementplanning,sonomawealthadvisors,stockmarket,wealthmanagementfalse16fullhttps://www.spreaker.com/episode/are-cds-no-risk--61256893
Full video available on our YouTube Channel

Learn more about how Sonoma Wealth helps individuals and families here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Why We're Doing an Episode on CDs
0:59 So What's the Actual Risk of a CD vs. a Money Market?
3:23 What Is a CD, Really? A Quick History Lesson
4:18 FDIC Insurance: What's Actually Covered, and Since When
5:33 Silicon Valley Bank and the Real Risk of a Bank Run
7:31 Money Markets Are Mutual Funds, Not Bank Deposits
9:25 How Money Markets Have Changed Since the 1980s
13:41 CD vs. Money Market: Comparing the Numbers Side by Side
15:14 The Risk Curve: Institution Risk, Government Risk, and More
16:24 Understanding the (Inverted) Yield Curve
23:23 Election Uncertainty and Predicting Where Rates Go Next
25:43 CD Laddering: Spreading Your Money Across Durations
28:12 The Real Risk of a CD Isn't Default, It's Opportunity Cost
28:58 Building a Cash Strategy That Fits Your Actual Plan
32:23 Wrap-Up

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 ]]>https://api.spreaker.com/episode/61256893Wed, 04 Sep 2024 00:08:43 +0000707 MediaAn episode on CDs? Before you fall asleep, ask yourself: why are some clients seeking 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...
Full video available on our YouTube Channel

Learn more about how Sonoma Wealth helps individuals and families here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Cold Open: Why We're Doing an Episode on CDs
0:59 So What's the Actual Risk of a CD vs. a Money Market?
3:23 What Is a CD, Really? A Quick History Lesson
4:18 FDIC Insurance: What's Actually Covered, and Since When
5:33 Silicon Valley Bank and the Real Risk of a Bank Run
7:31 Money Markets Are Mutual Funds, Not Bank Deposits
9:25 How Money Markets Have Changed Since the 1980s
13:41 CD vs. Money Market: Comparing the Numbers Side by Side
15:14 The Risk Curve: Institution Risk, Government Risk, and More
16:24 Understanding the (Inverted) Yield Curve
23:23 Election Uncertainty and Predicting Where Rates Go Next
25:43 CD Laddering: Spreading Your Money Across Durations
28:12 The Real Risk of a CD Isn't Default, It's Opportunity Cost
28:58 Building a Cash Strategy That Fits Your Actual Plan
32:23 Wrap-Up

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 ]]>2026cashmanagement,certificateofdeposit,financialeducation,fixedincomeinvesting,interestrates,investingrisk,itsallmoney,moneymarketaccount,personalfinance,retirementplanning,savingsstrategy,sonomawealthadvisorsfalse15fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/the-back-to-school-choice-that-could-be-costing-you-155-more
CHAPTERS
0:00 The 'Glow Up': Why Back-to-School Shopping Feels Like Christmas
2:43 The Real Numbers: What Families Are Actually Spending in 2024
4:42 Graphing Calculators, Jordans, and the Price of Keeping Up
8:48 College Costs and a Professor's Wild Grading Story
10:44 Why $1,000 Doesn't Buy What It Used To: The Inflation Angle
11:58 Back-to-School 'Layaway' and the Scale of the Spending Problem
15:08 Social Pressure, FOMO, and Spending Like Everyone Else
19:46 The Experiment: Same School Supplies, Dollar Store vs. Big-Box Store
22:44 The Bigger Lesson: Not Being a Victim to the Spending Cycle
24:03 Quick Hitters: Small-Cap Stocks, Mortgage Refinances, and the AT&T Data Breach

Video available on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

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/]]>https://api.spreaker.com/episode/61097135Tue, 20 Aug 2024 23:35:31 +0000707 MediaBack 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 reveal the shocking real-life test Dan ran...
CHAPTERS
0:00 The 'Glow Up': Why Back-to-School Shopping Feels Like Christmas
2:43 The Real Numbers: What Families Are Actually Spending in 2024
4:42 Graphing Calculators, Jordans, and the Price of Keeping Up
8:48 College Costs and a Professor's Wild Grading Story
10:44 Why $1,000 Doesn't Buy What It Used To: The Inflation Angle
11:58 Back-to-School 'Layaway' and the Scale of the Spending Problem
15:08 Social Pressure, FOMO, and Spending Like Everyone Else
19:46 The Experiment: Same School Supplies, Dollar Store vs. Big-Box Store
22:44 The Bigger Lesson: Not Being a Victim to the Spending Cycle
24:03 Quick Hitters: Small-Cap Stocks, Mortgage Refinances, and the AT&T Data Breach

Video available on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

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/]]>1867budgetbasics,consumerfinance,costofconvenience,everydaymoney,financialeducation,financialliteracy,itsallmoney,moneytips,personalfinance,savingmoney,sonomawealthadvisors,spendinghabitsfalse14fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/why-does-the-stock-market-even-exist
CHAPTERS
0:00 Meet Chris Sipes: A Non-Historian Tackling Market History
2:14 Why Markets Have Existed As Long As Humans Have
3:15 The Pogs Craze: A Kid's-Eye View Of Speculative Trading
7:55 The Dutch East India Company And The Birth Of The Public Stock Exchange
10:11 Tulip Mania: The First Recorded Speculative Bubble
14:43 Why Humans Keep Repeating The Same Bubble Behavior
16:35 From Beanie Babies To NFTs: The Financial Torch Passes To Wall Street
21:54 Mortgage Securities And The Cycle Of Crisis And Regulation
23:52 What 400 Years Of Market History Teaches A Financial Advisor Today
26:59 Wrap-Up And Disclosures

Full video on our YouTube Channel


Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis


References: https://blogs.uoregon.edu/pogsforfun/
https://en.wikipedia.org/wiki/Buttonwood_Agreement
https://en.wikipedia.org/wiki/Tulip_mania]]>https://api.spreaker.com/episode/60600794Wed, 31 Jul 2024 12:05:02 +0000707 MediaYou 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...
CHAPTERS
0:00 Meet Chris Sipes: A Non-Historian Tackling Market History
2:14 Why Markets Have Existed As Long As Humans Have
3:15 The Pogs Craze: A Kid's-Eye View Of Speculative Trading
7:55 The Dutch East India Company And The Birth Of The Public Stock Exchange
10:11 Tulip Mania: The First Recorded Speculative Bubble
14:43 Why Humans Keep Repeating The Same Bubble Behavior
16:35 From Beanie Babies To NFTs: The Financial Torch Passes To Wall Street
21:54 Mortgage Securities And The Cycle Of Crisis And Regulation
23:52 What 400 Years Of Market History Teaches A Financial Advisor Today
26:59 Wrap-Up And Disclosures

Full video on our YouTube Channel


Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis


References: https://blogs.uoregon.edu/pogsforfun/
https://en.wikipedia.org/wiki/Buttonwood_Agreement
https://en.wikipedia.org/wiki/Tulip_mania]]>1688capitalismbasics,chrissipes,financialeducation,financialliteracy,investing,itsallmoney,marketbubbles,personalfinance,sonomawealthadvisors,stockmarketbasics,stockmarkethistory,tulipmania,wealthmanagementfalse13fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/should-i-put-everything-in-a-5-money-market
CHAPTERS
0:00 The Question: Should You Move Everything Into a Money Market?
2:22 Why Money Market Balances Have Exploded Since 2020
5:39 How the Fed's Overnight Rate Actually Trickles Down to You
8:31 Why Higher Rates Haven't Cooled the Economy the Way Everyone Expected
10:59 The Competitive Market for Your Cash: How Banks Fight for Deposits
18:02 Two-Year Treasuries, the Fed's Target Rate, and What the Gap Between Them Means
19:52 Should the Fed Even Be Setting Interest Rates?
20:34 Reading the CPI: What Actually Drives Long-Term Rate Expectations
24:23 So, Should You Put Everything In a Money Market?
26:40 Cash Isn't Risk-Free: The Inflation Trade-Off You're Actually Making
27:56 The Takeaway: 'Date' Your Money Market, Don't Marry It

Full video available here on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis]]>https://api.spreaker.com/episode/60595463Wed, 17 Jul 2024 12:25:01 +0000707 MediaIt seems simple enough- money markets and similar instruments are "paying 5% right now" and it seems like a "sure thing." But are cash and other near-liquid investment really risk-free? Dano Weir sits down with Chris Sipes, CFP®, AIF® to unpack where...
CHAPTERS
0:00 The Question: Should You Move Everything Into a Money Market?
2:22 Why Money Market Balances Have Exploded Since 2020
5:39 How the Fed's Overnight Rate Actually Trickles Down to You
8:31 Why Higher Rates Haven't Cooled the Economy the Way Everyone Expected
10:59 The Competitive Market for Your Cash: How Banks Fight for Deposits
18:02 Two-Year Treasuries, the Fed's Target Rate, and What the Gap Between Them Means
19:52 Should the Fed Even Be Setting Interest Rates?
20:34 Reading the CPI: What Actually Drives Long-Term Rate Expectations
24:23 So, Should You Put Everything In a Money Market?
26:40 Cash Isn't Risk-Free: The Inflation Trade-Off You're Actually Making
27:56 The Takeaway: 'Date' Your Money Market, Don't Marry It

Full video available here on our YouTube Channel

If you're new to Sonoma Wealth, book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis]]>1803cashallocation,certificateofdeposit,financialeducation,fixedincomeinvesting,interestrates,investingrisk,itsallmoney,moneymarketaccount,personalfinance,portfoliodiversification,retirementplanning,sonomawealthadvisorsfalse12fullhttps://sonomawealthadvisors.com/resources/podcast-its-all-money/profile/1-change-to-your-mortgage-could-save-you-6-figures
Full video available on our YouTube Channel: https://youtu.be/OSYbzjJPnuk

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis



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/

CHAPTERS
0:00 Welcome Back: Daren's Off-Hand Comment That Started This Conversation
1:16 How Biweekly Mortgage Payments Actually Work
2:49 Running The Real Numbers On A $500K, 30-Year Mortgage
5:16 Why Future Dollars Are Worth Less: The Inflation Tangent
6:43 Biweekly Vs. Monthly: Comparing The Actual Payment Breakdown
7:26 Does This Still Make Sense With Today's Lower-Rate Loans?
10:00 The Emotional Side Of Paying Off A Mortgage Early
11:20 A Warning From A Mortgage Pro: Watch Out For Third-Party Biweekly Programs
14:07 How To Actually Set This Up Yourself
14:25 A Quick Word On Sonoma Wealth Advisors, Then The McDonald's Price History Rabbit Hole
18:55 Should The Stock Market Trade 24/7? The NYSE News Debate
22:35 Wrap-Up And Disclosures]]>https://api.spreaker.com/episode/60533574Fri, 28 Jun 2024 00:19:52 +0000707 MediaYou 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...) and show the...
Full video available on our YouTube Channel: https://youtu.be/OSYbzjJPnuk

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis



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/

CHAPTERS
0:00 Welcome Back: Daren's Off-Hand Comment That Started This Conversation
1:16 How Biweekly Mortgage Payments Actually Work
2:49 Running The Real Numbers On A $500K, 30-Year Mortgage
5:16 Why Future Dollars Are Worth Less: The Inflation Tangent
6:43 Biweekly Vs. Monthly: Comparing The Actual Payment Breakdown
7:26 Does This Still Make Sense With Today's Lower-Rate Loans?
10:00 The Emotional Side Of Paying Off A Mortgage Early
11:20 A Warning From A Mortgage Pro: Watch Out For Third-Party Biweekly Programs
14:07 How To Actually Set This Up Yourself
14:25 A Quick Word On Sonoma Wealth Advisors, Then The McDonald's Price History Rabbit Hole
18:55 Should The Stock Market Trade 24/7? The NYSE News Debate
22:35 Wrap-Up And Disclosures]]>1427financialeducation,homebuying,housingmarket,interestrates,itsallmoney,loanstrategy,mortgagerates,mortgagetips,personalfinance,realestatemarket,refinancemortgage,sonomawealthadvisors,wealthbuildingfalse11fullhttps://www.spreaker.com/episode/episode-0-3-moments-from-your-life-in-money--60533512
But wait what's different?

Your 401k, your classic car collection, quantitative easing and the rising cost of your Disney+ subscription all seem like wildly different topics. And yet to the average American, they all end up hitting your checking account one way or another. It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Not every listener will become a CFP®, but any listener can learn a few things to have financial confidence and take control of your financial life.

What Is Financial Confidence?

Financial Confidence is an emotional state of understanding money. It is not necessarily having money. It is understanding the money in your life. Goal: Every episode you walk away with 1 takeaway to increase your financial confidence. Because at the end of the day, It's All Money. In this primer episode, hosts Dano Weir and Daren Blonski, CFP®, AIF® introduce themselves, the show and 3 moments that exemplify their life in money.

Hosts:
Daren Blonski, CFP®, AIF®, CEPA®, CDAA- The CEO and CFP, bringing over a decade of experience planning for hundreds of families in Sonoma, CA. His blend of current market knowledge, economic theory and emotional intelligence provide critical insight to the reasons behind the trends and your behaviors.

Dano Weir- An on-air media personality for 15 years, Dano has 0 licenses and letters after his name 😉. But his specialty lies in gathering complex information and communicating it respectfully to an audience of varying backgrounds. With a personal interest in empowering people to make informed money decisions, Dano knows just enough to be dangerous and is brave enough to ask the questions a listener might. Why did that stock go up? What happens with that money? Do I have to pay back a student loan? What's the cheapest TV plan right now?

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Welcome To Episode Zero: Setting The Scene In Sonoma
0:48 Why This Podcast Exists (And Why It Isn't Just Another Advisor Podcast)
3:08 Defining "Money" — More Than Dollars And Cents
4:38 Meet Daren: Career Path, Psychology Roots, And Panning For Gold
7:44 Meet Dano, And How He And Daren Reconnected
11:13 Money Moment #1: Daren's Teenage Car-Buying Lesson
17:02 Money Moment #2: Daren's First Job Selling His Mom's Flowers
18:54 Money Moment #3: Caring For His Father Through Parkinson's
21:53 Money Moment #:1 Dano's Jewelry Store "Discount"
25:58 What Is A "Money Origin Story"?
27:01 Money Moment #2: Dano's Checking Account With His Dad 
29:25 Money Moment #3: How Dano Ended Up Co-Hosting This Show
32:29 The Show's Tagline And Five Ground Rules
36:38 Wrap-Up And Disclosures]]>https://api.spreaker.com/episode/60533512Fri, 28 Jun 2024 00:03:49 +0000707 MediaIntroducing YET ANOTHER financial advisor podcast... It's All Money. But wait what's different? Your 401k, your classic car collection, quantitative easing and the rising cost of your Disney+ subscription all seem like wildly different topics. And...
But wait what's different?

Your 401k, your classic car collection, quantitative easing and the rising cost of your Disney+ subscription all seem like wildly different topics. And yet to the average American, they all end up hitting your checking account one way or another. It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Not every listener will become a CFP®, but any listener can learn a few things to have financial confidence and take control of your financial life.

What Is Financial Confidence?

Financial Confidence is an emotional state of understanding money. It is not necessarily having money. It is understanding the money in your life. Goal: Every episode you walk away with 1 takeaway to increase your financial confidence. Because at the end of the day, It's All Money. In this primer episode, hosts Dano Weir and Daren Blonski, CFP®, AIF® introduce themselves, the show and 3 moments that exemplify their life in money.

Hosts:
Daren Blonski, CFP®, AIF®, CEPA®, CDAA- The CEO and CFP, bringing over a decade of experience planning for hundreds of families in Sonoma, CA. His blend of current market knowledge, economic theory and emotional intelligence provide critical insight to the reasons behind the trends and your behaviors.

Dano Weir- An on-air media personality for 15 years, Dano has 0 licenses and letters after his name 😉. But his specialty lies in gathering complex information and communicating it respectfully to an audience of varying backgrounds. With a personal interest in empowering people to make informed money decisions, Dano knows just enough to be dangerous and is brave enough to ask the questions a listener might. Why did that stock go up? What happens with that money? Do I have to pay back a student loan? What's the cheapest TV plan right now?

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/
Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis

CHAPTERS
0:00 Welcome To Episode Zero: Setting The Scene In Sonoma
0:48 Why This Podcast Exists (And Why It Isn't Just Another Advisor Podcast)
3:08 Defining "Money" — More Than Dollars And Cents
4:38 Meet Daren: Career Path, Psychology Roots, And Panning For Gold
7:44 Meet Dano, And How He And Daren Reconnected
11:13 Money Moment #1: Daren's Teenage Car-Buying Lesson
17:02 Money Moment #2: Daren's First Job Selling His Mom's Flowers
18:54 Money Moment #3: Caring For His Father Through Parkinson's
21:53 Money Moment #:1 Dano's Jewelry Store "Discount"
25:58 What Is A "Money Origin Story"?
27:01 Money Moment #2: Dano's Checking Account With His Dad 
29:25 Money Moment #3: How Dano Ended Up Co-Hosting This Show
32:29 The Show's Tagline And Five Ground Rules
36:38 Wrap-Up And Disclosures]]>2290cfp,danoweir,darenblonski,financialconfidence,financialeducation,financialliteracy,financialpodcast,investingbasics,itsallmoney,moneymindset,personalfinance,sonomawealthadvisors,wealthmanagementfalsefull