THE TRUTH ABOUT YOUR FUTURE with Ric Edelman

Ric Edelman
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Dec 17, 2024 • 12min

12/17/24: How to Diversify Your Crypto Investment

There are a variety of area offering away to diversify in the crypto asset class which includes not only bitcoin but also other cryptocurrencies, crypto companies, crypto funds, and ETFs. And while cancer deaths are declining, the number of cancer cases, particularly among adults under 50, is rising, especially for breast and colorectal cancer. Behavior changes, including unhealthy consumption habits, can prevent up to 40% of cancer cases, with a positive attitude also contributing to improved health and longevity.#CryptoInvesting, #Bitcoin, #Diversification, #CryptoPortfolio, #Blockchain, #CryptoAssets, #ETFInvesting, #CryptoFunds, #RicEdelman, #DigitalAssets #CancerPrevention, #HealthyLiving, #AlcoholAndCancer, #BreastCancer, #ColorectalCancer, #PositiveMentalAttitude, #Longevity, #HealthyHabits, #Rapamycin, #CancerAwareness-----Stay Connected on Ric's Distribution List https://bit.ly/ric_edelmanAsk Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 16, 2024 • 8min

12/16/24: Good-bye Toothbrush...Hello Microbot

Researchers are pioneering advancements in dental care, including micro-robots that clean teeth, bacteria-based oral transplants, and natural enamel regrowth. These innovations aim to revolutionize oral hygiene, making dental care more efficient, accessible, and effective for everyone. Plus, how to keep in touch with Ric in 2025.#MicroRobots #DentalTech #OralCare #Nanobots #Innovation #OralHygiene #Microbots #ToothImplants #HealthTech #UniversityOfPennsylvania #ExponentialTechnologies #webinars #personalfinance #investmentmanagement #cryptoeducation #financialliteracy #investmentstrategy #financialplanning #alzheimersresearch #EdelmanFossilPark #2025goals-----Stay Connected on Ric's Distribution List https://bit.ly/ric_edelmanAsk Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 13, 2024 • 28min

12/13/24: Is it Time to Rethink Bonds? These Two ETFs Offer an Answer

As interest rates are heading lower, two ETFs from Invesco are designed to provide strong returns with managed risk exposure. Plus, a conversation with David Cowen, President of the Museum of American Finance, offering insights into preserving U.S. financial history while promoting financial literacy.#ETFs #Invesco #BondMarket #FinancialOpportunities #Investing #IncomeGeneration #GTOETF #EFAAETF #InternationalDiversification #FridayThe13th #MuseumOfAmericanFinance #FinancialLiteracy #HistoricalFinance #AmericanHistory #FinancialEducation #HamiltonianEconomics #PublicFinance #PersonalFinance #AmericanRevolution #EconomicHistory-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  Invesco Total Return Bond ETF (GTO) https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Investor&ticker=GTOInvesco MSCI EAFE Income Advantage ETF (EFAA)  https://www.invesco.com/us/financial-products/etfs/product-detail?audienceType=Advisor&ticker=EFAAInvesco Website:  https://www.invesco.comThe Museum of American Finance Website: https://www.moaf.org/The Museum of American Finance Historic Image Gallery: https://www.flickr.com/photos/financemuseum/sets/72157624172313095/The U.S. Debt Clock Website: https://www.usdebtclock.org/David Cowen's Book: Alexander Hamilton on Finance, Credit, and Debt1/15 Webinar - Your Crypto Questions Answered: https://dacfp.com/events/your-crypto-questions-answered12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto2/24-2/26 Wealth Management Convergence-2025: https://www.thetayf.com/pages/convergence11/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 12, 2024 • 20min

12/12/24: Is Ozempic an Unmentionable?

With the rise of GLP-1 class drugs like Ozempic and Wegovy, is it socially appropriate to comment on someone's noticeable weight loss? Especially when it's attributed to these drugs, and how new medical technologies might influence social norms and personal boundaries. Plus, when considering investing in crypto, the importance of seeking professionals who understand blockchain and digital assets. He recommends searching for advisors with the CBDA certification and offers resources for verifying legitimate advisors, while cautioning against online fraud in the crypto space.#GLP1 #Ozempic #WeightLoss #MedicalInnovation #SocialNorms #PharmaceuticalBreakthrough #WeightLossDrugs #HealthTransformation #HealthEthics #PersonalChoices #CryptoETFs #InvestmentAdvisor #BlockchainEducation #DigitalAssets #CryptoKnowledge #CBDA #FinancialAdvisors #CryptoInvesting #DueDiligence #InvestmentSafety-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  Send your comments to Ric:  askric@thetruthayf.comFINRA.org. https://www.finra.org/SEC.gov https://www.sec.gov/11/25 Podcast on new medical advances: https://www.thetayf.com/blogs/this-weeks-stories/bad-news-and-good-news-for-fat-americans12/10 Webinar Replay - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto2/24-2/26 Wealth Management Convergence-2025  https://www.thetayf.com/pages/convergence-202511/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 11, 2024 • 9min

12/11/24: The Car Loan Trap

Many car buyers find themselves underwater with their auto loans, owing more than their vehicles are worth. This issue is worsened by longer loan terms and high electric vehicle prices. The podcast highlights the financial risks associated with negative equity and depreciation, especially for used Teslas. It offers practical tips for selecting reliable vehicles and emphasizes the value of long-term ownership to ensure financial security.
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Dec 10, 2024 • 11min

12/10/24: Why Social Security Is Paying for Your Funeral—And Why It Shouldn’t

The Social Security death benefit has been $255 for the last 50 years and a bill in Congress proposes to increase it to $2,900, highlighting the broader financial struggles of the Social Security system. Plus, Ric will be expanding webinars in 2025 and offering a broad array of content on planning, Alzheimer's research and more.#socialsecurity #deathbenefit #governmentwaste #socialsecuritycrisis #BernieSanders #ElizabethWarren #PeterWelch #fiscalirresponsibility #retirementbenefits #SocialSecurityfund #webinars #personalfinance #investmentmanagement #cryptoeducation #financialliteracy #investmentstrategy #financialplanning #alzheimersresearch #EdelmanFossilPark #2025goals-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  Today's Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning12/9 Webinar Replay - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-crypto2/24-2/26 Wealth Management Convergence-2025  https://www.thetayf.com/pages/convergence-202511/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 9, 2024 • 9min

12/9/24:  Wedding vs. Marriage

The importance of understanding the difference between the short-term focus on the wedding vs. the long-term considerations of marriage. Plus, the unfixed and unexpected costs of home ownership above the down payment and monthly mortgage. And two important webinars this week.#WeddingVsMarriage #MarriageMatters #WeddingPerspective #LifetimeCommitment #FinancialPriorities #WeddingBudget #MarriageOverWedding #ThinkLongTerm #EmotionalDecisions #BridesAndWives #HomeBuyingTips #HiddenCosts #HomeOwnership #HOADues #FinancialPlanning #ThinkBeyondMortgage #CostOfLiving #HomeBuyingRealities #LongTermAffordability #HOAFees-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  Today's Webinar - What the Election Results Mean for Crypto:  https://dacfp.com/events/what-the-election-results-mean-for-cryptoTomorrow's Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning2/24-2/26 Wealth Management Convergence-2025  https://www.thetayf.com/pages/convergence-202511/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 6, 2024 • 39min

12/6/24: New Advances in the Battle Against Alzheimer's

Paper checks remain a popular payment method in the U.S., despite skyrocketing fraud rates and safer digital alternatives like Zelle, PayPal, and Bitcoin. As criminals exploit vulnerabilities like mailbox theft and check washing, it's time to embrace 21st-century payment methods. And Ric discusses the latest in Alzheimer's drug treatments and lower cost blood test with Mark Roithmayr. He's the CEO of the Alzheimer's Drug Discovery Foundation, a trailblazer in Alzheimer's research and funding.#CheckFraud #DigitalPayments #StopWritingChecks #BankingSecurity #Bitcoin #Zelle #Venmo #FinancialTips #FraudPrevention #ModernFinance#Al zheimersBreakthrough #ADDF #CognitiveHealth #Biogen #Lilly #DementiaCare #BloodTestInnovation #AffordableDiagnostics #NeuroScience #NewEraInMedicine-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  Ric’s #1 Bestseller - The Truth About Crypto:   https://www.amazon.com/Truth-About-Crypto-Easy-Understand/dp/1668002329/Alzheimer's Drug Discovery Foundation: https://www.alzdiscovery.org/12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning2/24-2/26 Wealth Management Convergence-2025 https://www.thetayf.com/pages/convergence-202511/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 5, 2024 • 13min

12/5/24: How Even the Youngest of Kids Can Earn Income for a Roth IRA

Hiring your children through complex schemes like family management companies or S-corps isn't necessary to achieve your financial goals. Instead, you can pay your kids for legitimate earned income tasks to fund a Roth IRA in a simple and legally sound way. With major institutions eliminating tuition and AI reducing operational expense college is becoming more affordable than ever, freeing families from overwhelming financial burdens.#TaxPlanning #FamilyFinance #RothIRAForKi#FreeCollege #AffordableEducation #MITTuitionFree #AIInEducation #CollegeCosts #HigherEducationReform #FinancialAid #DebtFreeEducation #EducationForAll #FutureOfCollegeds #EarnedIncome #FinancialPlanning #BusinessTips #KidsAndMoney #LegalTaxAdvice #SimpleFinance #ParentingAndFinance-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning2/24-2/26 Wealth Management Convergence-2025 https://www.thetayf.com/pages/convergence-202511/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee
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Dec 4, 2024 • 8min

12/4/24: Is that College Course Outsourced?

Colleges are increasingly outsourcing programs to third-party companies while maintaining their prestigious branding, raising questions about value and quality, and underqualified instructors. Meanwhile, lawsuits allege financial aid price-fixing by elite universities, further highlighting the disconnect between college costs and the actual needs of employers who prioritize skills over pedigrees.#CollegeScam #EducationReform #CloudComputing #EliteUniversities #TuitionFraud #Outsourcing #JobSkills #CostOfEducation #HigherEdLawsuits #IvyLeagueMyth #BitcoinRally #CryptoLegislation #InvestmentWebinar #BitcoinETF #CryptoTrends2025 #RetirementPlanning #FinancialFreedom #InvestmentStrategies #CryptoRegulation #WealthManagement-----Join our mailing list: https://www.thetayf.com/pages/podcastSubscribe to podcast updates: https://form.jotform.com/223614751580152 Ask Ric: https://www.thetayf.com/pages/ask-ric -----  Links from today’s show:  12/9 Webinar - What the Election Results Mean for Crypto: https://dacfp.com/events/what-the-election-results-mean-for-crypto12/10 Webinar - The Retirement Revolution: ETF Solutions for Modern Retirement Planning: https://www.thetayf.com/pages/the-retirement-revolution-etf-solutions-for-modern-retirement-planning2/24-2/26 Wealth Management Convergence-2025 https://www.thetayf.com/pages/convergence-202511/13 Webinar Replay - An Innovative Way to Generate Income in a World of Declining Rates: https://www.thetayf.com/pages/november-13-2024-an-innovative-way-to-generate-income10/9 Webinar Replay - Crypto for RIAs: Yield, Staking, Lending and Custody. What’s beyond the ETFs? https://dacfp.com/events/crypto-for-rias-yield-staking-lending-and-custody-whats-beyond-the-etfs/-----  Follow Ric on social media:  Facebook: https://www.facebook.com/RicEdelmanInstagram: https://www.instagram.com/ric_edelman/LinkedIn: https://www.linkedin.com/in/ricedelman/X: https://twitter.com/ricedelmanYouTube: https://www.youtube.com/@RicEdelman-----  Brought to you by:  Invesco QQQ: https://www.invesco.com/qqq-etf/en/home.htmlState Street Global Advisors: https://www.ssga.com/us/en/intermediary/etfs/capabilities/spdr-core-equity-etfs/spy-sp-500/cornerstonesSchwab: https://www.schwab.com/TAYF Disclosure page: https://www.thetayf.com/pages/sponsorship-disclosure-fee

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