Du Charme Wealth Management Podcast

Private money lending offers unique opportunities for real estate investors, focusing more on property equity than borrower qualifications. This approach fills gaps left by traditional banks that avoid short-term loans due to early payoff penalties and compliance burdens.• Private lenders are equity-based, primarily concerned with whether sufficient equity exists for property liquidation if necessary• Traditional lenders focus on borrower's credit history, income, and debt-to-income ratio• Private money typically charges 9-11% interest versus 7.5-8.5% for conventional loans• Bridge loans help homeowners buy before selling their current property with significant equity• Spec builders prefer private lending for its speed, with funding possible in 2-3 days versus weeks with banks• Communication is critical – private lenders prefer working with borrowers over foreclosure• Finding reputable private lenders through title companies provides better results than random searches• Interest typically accrues without monthly payments, with full repayment due at loan maturity• Private lenders should be viewed as problem-solving partners, not lenders of last resortFind Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/

Rob MacFarlane and Branden dig into the reality of today's housing market.• National housing inventory is rising but still below historical averages at around 4 months (traditional balanced market is 6 months)• The "lock-in effect" from low interest rates is gradually diminishing as life events force moves regardless of rates• New home construction remains severely constrained at only 684,000 homes nationwide versus 1.2 million in 2005• High-end homes, custom builds, and fixer-uppers in good neighborhoods offer today's best value opportunities• Outskirts properties with future growth potential provide excellent bang-for-buck for longer-term homeowners• Different price segments behave as distinct markets - in Washington County, homes over $700k are in a buyer's market• When evaluating fixer-uppers, focus on neighborhoods first, structural fundamentals second, and cosmetic issues last• Disconnect investment property decisions (purely financial) from personal residence decisions (lifestyle factors)If you're considering a move in this market, reach out at: https://www.realestate435.comCheck out the 435 Podcast for more Southern Utah market insights:https://www.youtube.com/@435podcastFind Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/DISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

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

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

The passive investing revolution has fundamentally changed market structure by making markets highly inelastic - small changes in supply and demand create large price movements, especially in the largest stocks.• Passive strategies like index funds don't evaluate price or value - they simply buy when receiving cash and sell when cash is demanded• Every dollar flowing into large-cap stocks can create up to $100 in market capitalization through a multiplier effect• Active managers who sell overvalued securities lose their "voice" in the market, reducing price discovery• Value investing has struggled partly because passive flows reinforce momentum in the largest stocks• The system depends on continuous inflows - if people stop contributing due to job loss or retirement, prices could fall dramatically• The dot-com bubble was partly driven by similar mechanics related to low-float stocks and index futures• These distortions affect bonds as well as stocks, explaining anomalies in yield curves• Most investors remain unaware of these structural changes, like "fish unaware of water"Guest: Michael Green, CFAWebpage: https://www.simplify.us/leadershipX: https://x.com/profplum99Webpage: https://www.yesigiveafig.com/podcastFind Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#podcast #wealthmanagement #stgeorgeutah #estateplan #southernutah #investmentstrategy [00:00:00] Intro/Passive Flows Distort Market Pricing.[00:05:53] Mike Green's Career Journey.[00:13:55] The Sharpening of Passive Management.[00:24:32] Understanding Market Inelasticity.[00:42:12] How Size Affects Stock Elasticity.[00:55:52] Value Distortion and Corporate Debt.[01:11:03] Credit Markets and Bankruptcy Risk.[01:22:32] The Dot-Com Bubble and Passive 1.0.DISCLAIMER:Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

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

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

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

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

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