Du Charme Wealth Management Podcast

Dan Huffman is the founder of Cornerstone Financial Planning, where he helps clients achieve financial independence through real estate investing and factor investing strategies. He lives with his wife and son in Colorado Springs, CO, and they love traveling and hiking in the mountains! This episode delves into the fascinating world of factor investing, featuring insights from expert Dan Huffman. We discuss the key concepts of factor investing, compare it to traditional active management, and analyze the behavior of various market segments, particularly small-cap value stocks. The conversation serves as a guide for investors, emphasizing the importance of knowledge and confidence in enhancing investment outcomes.• Understanding factor investing and its importance• Dan's journey to factor investing during his military career• Core factors include market cap, value, and momentum• Discussion on the small-cap value premium and its relevance• Importance of behavioral finance in investment strategy• Practical applications of factors using ETFs and disciplined rebalancing• Encouragement for long-term thinking in investment decisions• Analysis of the potential impacts of market regime changes Webpage: https://cornerstonefiplanning.com/Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#podcast #southernutah #stgeorgeutah #wealthmanagement #wealthpodcast [00:00:00] Intro.[00:01:42] Understanding Factor Investing Strategies.[00:09:33] Investing in Factor Strategies Approach.[00:13:57] Exploring Factors in Investment Strategies.[00:22:45] Small Cap Strategies and Factor Investing.[00:27:46] Reevaluating Investment Strategies Today.[00:41:24] Assessing Factor Exposure Methods.[00:46:13] Strategic Factor Investing Strategies.[00:59:34] Appreciation for Early Morning Interview.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.

This episode explores why business owners should consider investing in commercial real estate as a strategic move for financial growth and sustainability. By discussing the control over expenses, the potential for asset appreciation, and the benefits of passive income through real estate ownership, we provide valuable insights for entrepreneurs looking to enhance their business operations.• Control over expenses and operational costs• The importance of fixed costs with a mortgage• Inflation buffering and rent escalations• Long-term appreciation and equity build-up• Passive income opportunities through subleasing• Evaluating risks and financial readiness• Strategies for successful property investmentGuest - Kevin O'Brien, Ph.D.Bio: Kevin began his real estate career at NAI Excel in 2019, specializing in Multifamily, Retail and Industrial properties. Kevin prioritizes reliability, transparency, and communication with his clients to assure that they are assisted throughout their transaction process.Kevin joined NAI Excel to pursue his interest in investment property ventures and acquisitions. From his background in analytical science, he enjoys working with his clients to find options that can help them with their long-term business and commercial real estate investing.Since joining, Kevin has helped transact multiple investment properties including value-add multifamily apartments, industrial warehouse buildings, retail centers, and commercial development land for storage facilities and apartment buildings.Connect with Kevin O'Brien:Email: kevin@naiexcel.comLinkedIn: https://www.linkedin.com/in/commercialrealestatekevin/NAI Excel Webpage: https://excelcres.com/our-team/st-george-utah/team/kevin_obrien/Phone: 435-634-0556Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#commercialrealestate #commercialproperty #southernutah #wealthmanagement [00:00:00] Intro.[00:00:45] Kevin Discusses Commercial Real Estate[00:07:23] Controlling Costs in Commercial Real Estate.[00:17:12] Maximizing Profit Through Commercial Real Estate.[00:30:46] Benefits of Commercial Real Estate Ownership.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.

John Siggard is the founder and owner of two MSP (Managed Service Provider) companies based in Washington, Utah: Superior Technical Solutions and IT4Eyes. Since its founding in 2009, Superior Technical Solutions (STS) has focused on two primary services: cybersecurity—including network analysis and security risk assessments—and general IT support. With over 20 years of IT experience under his belt, John trains his team of technicians to provide excellent service for each client, big or small. In recognition of their commitment to excellence, STS won the 2024 Soteria Award for being one of the most trusted MSPs in North America and the Best of Business Award for IT Services in St. George, Utah.This discussion focuses on essential cybersecurity measures that everyone can adopt to safeguard against fraud and cybercrime. We highlight the importance of two-factor authentication, reducing online footprints, and utilizing DNS filters to enhance security.• Understanding the balance between convenience and security• Importance of two-factor authentication on all online accounts• Steps for reducing personal information exposure online• Overview of DNS filters and their protective benefits• Final thoughts on the necessity of remaining vigilant against cyber threatsGuest: John Siggard CEO of Superior Technical Solutions Webpage: https://stsutah.com/about-us/Phone: 435-313-8132Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/[00:00:00] Intro.[00:02:08] Cybersecurity Risks and Protections.[00:11:36] Data Privacy and Online Protection.[00:22:03] Preventing Fraud and Scams.[00:35:38] Navigating Security, Fraud, and Protection.#podcastclips #podcast #cybersecurity #cybersecuritysolutions #southernutah #stgeorgeutah #wealthmanagement 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.

Estate planning is more than just a will or trust; it's about safeguarding your legacy and ensuring your wishes are honored without the public spectacle of probate. We shed light on the critical elements that make an estate plan comprehensive, such as aligning beneficiary designations with your estate documents and maintaining privacy. Discover how these components work together to prevent unintended competitive advantages and ensure your assets are distributed as you intend.Estate planning isn't just about preparing for the inevitable; it's a proactive step to manage unexpected life events like incapacitation. Here, we explore the essential roles of healthcare and financial power of attorney documents, empowering your loved ones to make crucial decisions on your behalf. The absence of these documents can lead to significant challenges, from restricted access to private information to financial mismanagement. We emphasize the importance of keeping your estate plan updated, especially after significant life changes, to avoid the pitfalls of outdated documentation and ensure a smooth transition for your family.Concerned about the cost of estate planning? Let us dispel the myths surrounding financial barriers with accessible resources, including trusted estate planning attorneys and innovative technological solutions. Our commitment at Ducharme Wealth Management is to provide personalized support, ensuring your plan is both comprehensive and affordable. Whether you're starting fresh or updating an existing plan, we're excited to guide you through securing your future. Reach out to us, and let's work together to keep your financial house in order.Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/ #podcast #podcastclips #stgeorgeutah #southernutah #powerofattorney #estateplanning #estatemanagement [00:00:00] Intro.[00:01:14] Estate Planning and Power of Attorneys.[00:14:37] Power of Attorneys and Beneficiaries.[00:18:10] Estate Planning and Beneficiary Preparation.[00:24:06] Professional Assistance in Estate Planning.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.

Kickstart your financial journey this year with essential strategies and expert insights with Branden and Carisa. Learn how to organize and update your financial information effectively, transforming your personal balance sheet into a powerful tool for making proactive financial decisions. By regularly reviewing your assets and liabilities, you'll uncover opportunities for adjustments and improvements without the need for drastic changes.We also explore the intricacies of portfolio management and investment strategies. Understanding your net worth statement and 401k assets at the year's start is critical. Discover the importance of asset allocation, the challenges of limited investment options, and the nuances of domestic versus international investments. With Branden and Carisa's guidance, you’ll learn how to consolidate retirement accounts and set up automatic contributions to ensure your investments are consistently working towards your financial goals.Link to episode with Rustin Staheli: https://www.youtube.com/watch?v=42SMnAp5dic&t=10sFind Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#investmentstrategies  #estatemanagement #financialservices #southernutah #stgeorgeutah #financialmastery [00:00:00] Intro.[00:01:24] Financial Objectives for the New Year.[00:05:57] Portfolio Review and Investment Strategy.[00:17:11] Asset Allocation and Financial Planning.[00:28:46] Estate Planning and Insurance Review.[00:38:40] Financial Planning Services and Offerings.[00:42:59] Listener Engagement and Openness. 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.

As 2025 approaches, this episode dives into market predictions, valuations, and the impact of emotional psychology on investment decisions. Expert insights on cyclical analysis draw parallels between macro trends and tactical asset allocation strategies, guiding listeners in preparing for the uncertainties ahead.• Discusses the significance of market valuations and cycle analysis• Challenges traditional investment bank predictions and averages• Explores emotional psychology's influence on investor behavior• Analyzes the roles of gold, Bitcoin, and real estate in investment strategies• Highlights critical insights on cyclical analysis and economic forecasting• Emphasizes the need for due diligence and professional guidance in investingGuest: Jim Lee, CFA, CMT, CFP®Phone:  (302) 884-6742Webpage: www.stratfi.comJim Lee is an award-winning futurist and market strategist with over 30 years of experience.  Jim received the highest honor from the Association of Professional Futurists for his book 'Foresight Investing: A Complete Guide to Finding Your Next Great Trade'.  Jim is also a past winner of NAAIM's national investing competition.He is a Chartered Financial Analyst (CFA), Chartered Market Technician (CMT), and Certified Financial Planner (CFP®) and is the founder of StratFI, a boutique investment management firm focused on "What Happens Next?"Connect with Jim Lee: https://x.com/jhlindehttp://www.linkedin.com/in/jleeadvisor/http://facebook.com/stratfiFind Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#MarketInsights #investmentstrategy #RealEstate #investmentopportunities #MarketTrends #technicalanalysis #southernutah #podcast #podcastclips [00:00:00] Intro.[00:00:43] Forecasting Market Cycles and Valuations.[00:06:40] Market Analysis and Technical Indicators.[00:12:05] Analyzing Market Trends and Cycles.[00:25:10] Understanding Market Cycles and Valuations.[00:36:08] Real Estate, Leverage, and Inflation.[00:42:38] Real Estate and Market Analysis.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.

Discover how financial wisdom can transform your investment strategies with Aaron Best, a certified financial planner who brings his expertise on modern investment vehicles. We promise you'll uncover the hidden truths behind ETFs and mutual funds, as well as how they align with your personal financial goals.  We also critique mutual funds for their potential tax inefficiencies, which can spring unexpected surprises on investors. We acknowledge the challenges and benefits of investing in these vehicles from a tax perspective, providing you with the knowledge to make informed decisions that align with your investment strategy. Guest Bio: Hi, I’m Aaron Best—Southern Utah born and raised, and let’s be honest, I’ll probably never leave. The only time I’ve lived outside of my red rock roots was during a two-year mission for my church in the great state of Wisconsin. When I returned, I attended Utah Valley University, where I threw shot put, discus, and hammer for the track team on scholarship. It was also there that I won over my beautiful wife, and we’ve been building our life together ever since. These days, we stay plenty busy with our four amazing kids. When I’m not in the office, you’ll find me outdoors camping, fishing with my family, or coaching the throwing events at the local high school. My journey into financial planning began at Utah Valley University with a personal finance class that sparked something in me. The idea of becoming a Certified Financial Planner™ resonated deeply, and I knew I’d found my path. I kicked off my career with one of the world’s leading financial service firms, where I learned the foundations of trading, investing, and retirement planning. From there, I moved to a prominent northern Utah firm and discovered my passion for the personal side of finance—working one-on-one with individuals and families to help them achieve their financial goals. After gaining years of valuable experience at a respected planning firm in Southern Utah, I decided to take the leap and start my own Registered Investment Advisory (RIA) firm—and I haven’t looked back since. Running my own practice has allowed me to focus even more on what I value most: delivering personalized, independent advice to help my clients plan with confidence. In both my professional and personal life, I believe in showing up, putting in the work, and creating a solid foundation for the future—whether that’s for my family, my clients, or the high school athletes I coach.Connect with Aaron Best: Webpage: https://bestwealthadvisory.com/Phone: (435) 319-0940Email: abest@bestwealthadvisory.comFind Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#InvestSmart #financepodcast #ETFs #mutualfunds #InvestmentTips #FinanceWisdom #southernutah #stgeorgeutah #podcastclips [00:00:00] Intro.[00:02:18] Understanding ETFs and Mutual Funds.[00:11:47] ETFs and Mutual Funds Explained.[00:20:52] ETF Liquidity and Trading Misconceptions.[00:34:35] Comparing ETFs vs. Mutual Funds.[00:43:49] ETFs and Mutual Funds Tax Efficiency.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.

Join us as we explore the current economic landscape with our special guest, Strider Elass, a senior economist from First Trust Advisors L.P. We tackle the enduring dominance of the US dollar as the world's reserve currency, the potential challenges from currencies like the Chinese yuan, and the implications of the Federal Reserve's interest rate policies. Strider provides expert analysis on the factors that underpin the dollar's strength, such as America's robust legal framework and democracy, while shedding light on the broader economic impacts of the Fed's policies, including inflation and the political environment following Trump's election victory.Our discussion extends to the complexities of the Federal Reserve's influence on interest rates and the housing market. Drawing comparisons to economic challenges from the past, we explore the misconception that Fed rate cuts will directly reduce mortgage rates and emphasize how long-term interest rates are more influenced by macroeconomic conditions. We also consider the future of the housing market, focusing on the role of demographics and immigration in sustaining demand, and discuss the intricate dynamics of illegal immigration and its economic implications.We all discuss the future of the US dollar and the role of cryptocurrency in today's economic climate. Highlighting the dollar's resilience despite global pressures, we ponder whether cryptocurrencies like Bitcoin could emerge as viable alternatives and speculate on the economic signals of gold's performance. This episode concludes with an exploration of the potential impact of adopting a Bitcoin standard and the intriguing scenarios where the federal government might invest in Bitcoin. Guest: Strider Elass is an Senior Economist at First Trust Advisors L.P., a financial services firm based in Wheaton, Illinois.Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#Economics #podcast  #Crypto #podcastclips #housingmarket #southernutah #ducharmewealthmanagement #stgeorgeutah [00:00:00] Intro.[00:10:54] Fed Policy Impact on Interest Rates.[00:22:54] Long-Term Housing Market and Immigration.[00:26:45] Government Efficiency and Economic Impact.[00:33:54] Government Spending and Economic Impact.[00:40:09] Future of Dollar and Cryptocurrency.[00:46:33] Potential Impact of Bitcoin Standard.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.

Branden and Carisa promise to equip you with practical strategies to save thousands on your tax bill, just as Carisa did for one of her high-net-worth clients. Explore powerful charitable giving strategies that go beyond conventional cash donations. Carisa shares how transitioning to in-kind donations of appreciated stocks or funds can bypass capital gains taxes, benefiting both you and your chosen charities. Dive into the complexities of IRA management and Roth conversions, where we unveil common pitfalls and strategic solutions. Discover why understanding non-deductible contributions and the pro rata rule is key to optimizing your tax efficiency. We emphasize the importance of tax diversification in retirement planning, using real-world examples to illustrate the benefits of balanced financial strategies. Guest: Carisa Bertrand, AWMA. Accredited Wealth Management Advisor in St. George, UT.Phone: 435-288-3396Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/ #TaxEfficiency #wealthmanagement #CharitableGiving #taxstrategies #IRAStrategies #retirementplanning [00:00:00] Intro.[00:03:01] Tax-Saving Charitable Investment Strategies.[00:15:37] Navigating Tax Efficiency and Risk Management.[00:24:06] IRA Cost Basis and Roth Conversions.[00:35:07] Tax Planning Flexibility and Strategies.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.

In our latest episode of the Ducharme Wealth Management Podcast, certified divorce financial analyst Rhonda Noordyk joins us to share her expertise on navigating the financial intricacies of divorce. Like a guiding light during turbulent times, Rhonda emphasizes the critical role of giving clients a voice and ensuring their financial concerns are addressed. From understanding the division of assets to managing debts, her insights are invaluable for anyone facing the daunting task of divorce.Guest Bio:Rhonda Noordyk has been dedicated to advocating and educating women facing divorce for over a decade. Guiding them through financial strategies that can impact not only their life but the lives of their children andgrandchildren. Rhonda has advocated for women to have a voice, be assertive, get results, be driven, and move forward with confidence.Helping women isn’t just about running the numbers. It’s about asking the right questions, and demystifying myths and biases around finances so that women can thrive in life after divorce. Rhonda is passionate abouthelping clients navigate a broken system and level the playing field so they can achieve success — pre-, during, and post-divorce.Women will find a safe and non-judgmental place here and can be assured that Rhonda will advocate for women so that they are given a voice in their future.Website: https://womensfinancialwellnesscenter.com/Find Rhonda on Social Media:FB: https://www.facebook.com/rhonda.noordykIG: https://www.instagram.com/rhondanoordyk/Linked In: https://www.linkedin.com/in/rhondanoordyk/YouTube: https://www.youtube.com/@UCGfLw2VapTgx9DoI5H2Cjmw Find Du Charme Wealth Management here:https://ducharmewealth.com/contact-us/#DivorceFinance #HiddenAssets #DivorceAdvice #FinancialPlanning  #divorcesupport #podcastclips #podcast [00:00:00] Intro.[00:07:24] Uncovering Hidden Assets in Divorce.[00:16:58] Navigating Tax Implications in Divorce.[00:31:16] Coordinating College Expenses After Divorce.[00:34:27] Preparing for Divorce.[00:38:05] Selecting a Divorce Attorney Wisely.[00:44:17] Navigating Divorce Procedures and Resources.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.