Strategy Meets Finance

Want to grow your business? Download your free roadmap today: coltivar.com/growth Steve Coughran engages in a thought-provoking conversation with Tony Greer, Editor of the Morning Navigator, focusing on the intriguing subject of "Successful Trading." Together, they delve into key aspects of the trading world and explore the reasons behind the staggering statistic that 97 percent of traders are not profitable. Additionally, they shed light on the technology required to embark on a trading journey in financial assets, outlining the essential steps to get started. The episode also provides valuable insights on how to achieve success in trading stocks and other financial assets. Join Steve Coughran and Tony Greer for a captivating discussion that demystifies the realm of trading and empowers listeners with essential knowledge and strategies for financial success._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including: Wall Street Divided on Fed HikesUS Government Shutdown for Christmas?Wegovy Proves Health is WealthMoody’s Grim ForecastThe SECs Crypto Crackdown FinWeekly has all the latest news about the market and finance this week: In this week's episode, we navigate the dynamic landscape of Wall Street, dissecting contrasting opinions on the Federal Reserve's potential interest rate moves in 2024. Morgan Stanley and UBS advocate for significant cuts due to slowing inflation and a sluggish economy, while Goldman Sachs adopts a more cautious stance. Shifting gears, we explore the averted threat of a government shutdown on November 18, attributing the reprieve to House Speaker Mike Johnson's temporary funding proposal, emphasizing the importance of bipartisan cooperation for economic stability. Additionally, we delve into Novo Nordisk's financial triumph with their Wegovy weight-loss drug, witnessing a staggering $14.5 billion market value surge. Addressing economic concerns, we unpack Moody's recent shift in the US credit rating outlook, expressing apprehension about substantial deficits without spending cuts or increased revenue. Lastly, we highlight positive news for investors as the SEC flexes its regulatory muscles, securing nearly $5 billion in fines and paybacks during fiscal year 2023, particularly scrutinizing Wall Street and major players in the crypto arena. Stay tuned for more updates and insights.Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth One important concept discussed is the DuPont analysis. This analytical tool, named after the DuPont Corporation, helps investors and business owners understand the factors that contribute to a company's return on equity (ROE). By breaking down ROE into its key components, such as profit margin, asset turnover, and financial leverage, the DuPont analysis provides a comprehensive view of a company's financial health and performance. Steve Coughran explains why the DuPont analysis matters, highlighting its ability to uncover strengths and weaknesses, identify areas for improvement, and guide investment and business decisions. By implementing this analysis, listeners gain valuable insights into the financial aspects of their investments or businesses, enabling them to make more strategic choices for long-term success._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Big News For BondsWhy Are Stocks Mixed?Too Old To Work (But Too Young To Retire) Inflation: Are We Out Of The Woods? Bankman Won’t Be Freed Musk Prepares for Robot SurgeryDon’t miss our discussion on top stories in the world of finance:  Bond markets challenge central banks' commitment to higher interest rates, with the Federal Reserve anticipated to make its first rate cut in June next year. Similar rate reductions are expected for the European Central Bank and the Bank of England before the end of 2024. Amidst these economic shifts, the stock markets are still volatile, and experts can’t seem to agree on why. Contrasting views from BlackRock and Morgan Stanley regarding the impact of rising interest rates and economic factors, underscore the current uncertainty. In addition, over 2 million more individuals have left the US workforce than initially projected, significantly impacting the labor market. Meanwhile, Neel Kashkari, the head of the Federal Reserve Bank of Minneapolis, advises caution in the ongoing inflation debate, stressing the importance of gathering more data before celebrating any success. Also on my radar: Sam Bankman-Fried, the founder of FTX, faces guilty verdicts on seven serious charges, including defrauding customers and involvement in securities and commodities fraud, as well as conspiracy to commit money laundering. And rounding off with some non-financial news, Elon Musk's Neuralink is pioneering groundbreaking brain surgery with help from a surgeon-assisted robot. Read more about what that means for the future of business (and healthcare) in the latest issue of FinWeekly.  Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Take the Financial IQ Assessment: coltivar.com/byfiq Steve Coughran, with his wealth of experience as a business owner, management consultant, and CFO, provides valuable insights and knowledge to empower individuals in their financial lives. One of the highlights of the podcast is the BYFIQ Financial Assessment, a free tool that allows you to gauge your financial literacy. By reviewing the answers to this assessment, Steve Coughran guides listeners towards a deeper understanding of personal finance and helps them improve their financial IQ. It's an invaluable resource for anyone looking to strengthen their financial knowledge and make informed decisions for long-term success. Take the assessment today and embark on your journey towards financial empowerment._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Two Sigma Under Scrutiny Bank of Japan Ditches Yield Curve ControlEurope’s Ongoing Economic StruggleThe American Middle-Class Are SufferingX Doesn’t Mark the Spot (FKA Twitter Value Plunges) Will Tesla Workers Unionize? Don’t miss our discussion on top stories in the world of finance: This week in the financial world, Two Sigma Investments, a substantial quantitative hedge fund managing around $60 billion, is facing SEC scrutiny after a researcher manipulated the firm's models, resulting in significant gains and losses totaling $620 million across multiple funds. This incident highlights the importance of maintaining integrity and transparency in the financial industry. On the international front, the Bank of Japan's departure from its yield-curve control policy raises questions about communication strategies and broader implications. And in Europe, the urgent call for economic growth is growing as France's Finance Minister emphasizes the need for more proactive measures. Over in the US, middle-class Americans are feeling economic unease despite a thriving job market and robust growth, with concerns about the Federal Reserve's actions to combat inflation. Also, Elon Musk's Twitter acquisition has significantly devalued, now worth less than half of the purchase price. Finally, the UAW sets its sights on unionizing Tesla after concluding the GM strike. It might sound like a lot but understanding the broader context empowers us to navigate challenging times and uncover potential silver linings within the economic landscape. Read the FinWeekly breakdown now.  Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth Our guest today is Eric Simonson, CEO of Abundo Wealth, a man who has walked the journey from humble beginnings to becoming an expert in financial planning. Can everyone benefit from financial planning, regardless of their current financial status? Absolutely! Eric will debunk some common misconceptions about financial planning for those who believe they don't have enough money to start. In this enlightening conversation, he will guide us on how even someone with a limited budget can embark on a journey towards effective financial planning. He'll share inspiring success stories of individuals who started financial planning with little to no money and discuss the long-term value of financial planning, especially for those who feel they're starting from scratch. So, stay tuned! By the end of this podcast, you'll have practical steps to start benefiting from financial planning, even if you think you don't have the money yet. Remember, it's not about what you have now, but what you aim to achieve in the long term. Let's boost your financial IQ together!_______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:Stock WatchTreasury Bond YieldsThe Future of Money ManagersAuto-Loan Delinquencies Jamie Dimon Calls Out Central BanksFinWeekly is breaking down key financial stories developing right now: Don’t miss our discussion! This week, Wall Street experienced some turbulence with the S&P 500 enduring its longest five-day slide this year, likely attributable to the Federal Reserve's impending interest rate hikes and increased government bond sales. Plus, 10-year Treasury yield also crossed the 5% threshold for the first time in 16 years, reflecting the Fed's shift towards higher interest rates to combat inflation. Meanwhile, the asset management industry, overseeing $100 trillion, faces challenges with significant fund outflows and a potential end to a lengthy bull market. Ouch! Plus, more tough times for consumers as rising interest rates are causing delinquencies on auto loans to soar, impacting a majority of American car owners. And to cap it all off, Jamie Dimon, CEO of JPMorgan Chase, criticized central banks for their recent forecasting errors, urging caution about the economic outlook. Lastly, BlackRock reenters the target-date investing arena with a twist, introducing a range of 10 ETFs that adjust investments as investors age, filling a crucial gap in the market. Read it now! Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growth I'm Steve Coughran, your host, and today we're joined by Spencer Sherman, CEO of Abacus Wealth Partners. Our conversation, "Creating a Healthy Relationship with Money", will dissect the complexities of successful stock investing and address how fears and fixed beliefs can influence financial judgment. We'll delve into the inspiration behind Spencer's book, "The Cure for Money Madness", and extract its central message. We'll identify common money fears and their consequent impact on financial decisions. Considering what 'enough' means financially? We'll illuminate this concept and suggest strategies for cultivating an 'Enough Mindset'. Hear firsthand from Spencer as he shares cases of individuals who have successfully transformed their money mindset. We'll discuss the role of shame in financial behaviors and provide solutions to combat it. Our focus will be on the importance of a healthy money relationship for long-term financial stability and success. Looking ahead, we'll discuss the future of conversations around money and emotional intelligence. Join us on this journey towards financial literacy and arm yourself with the knowledge required for prudent financial decisions that yield long-term value. Are you prepared to elevate your financial IQ? Let's begin._______________________________________Disclaimer:The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.coltivar.com/privacy-policy-and-terms-of-use for additional important information. LinkedIn | YouTube coltivar.com

Want to grow your business? Download your free roadmap today: coltivar.com/growthMajor stories developing on the global economic front, including:China’s Cash InjectionNew Zealand Battles InflationEconomic Challenges for Germany Italy’s Economic Strategy JPMorgan's Return to Green FinanceThe Future of Goldman Sachs The WFH Trend is OVERFinWeekly has the latest insights on major market news from this week’s headlines: In the dynamic landscape of global finance, China's economic revitalization is marked by the People's Bank of China injecting 289 billion yuan to fuel growth, while New Zealand faces potential inflation moderation that may impact interest rates. Germany grapples with the prospect of a double-dip recession, emphasizing broader global economic challenges. Meanwhile, Italy adopts a multifaceted economic strategy to stimulate activity, albeit with concerns about debt interest costs. In the United States, JPMorgan Chase re-enters the green bond market, reflecting the evolving landscape of sustainable finance. These developments collectively underscore the complex and interconnected nature of the global economic stage, with each region facing its unique set of challenges and opportunities, leaving individuals and businesses to navigate and adapt in this ever-changing financial environment. Read our expert insights now! Disclaimer:BYFIQ, LLC is a wholly owned entity of Coltivar Group, LLC. The views expressed here are those of the individual Coltivar Group, LLC (“Coltivar”) personnel quoted and are not the views of Coltivar or its affiliates. Certain information contained in here has been obtained from third-party sources. While taken from sources believed to be reliable, Coltivar has not independently verified such information and makes no representations about the enduring accuracy of the information or its appropriateness for a given situation.This content is provided for informational purposes only, and should not be relied upon as legal, business, investment, or tax advice. You should consult your own advisers as to those matters. References to any securities or digital assets are for illustrative purposes only, and do not constitute an investment recommendation or offer to provide investment advisory services. The Company is not registered or licensed by any governing body in any jurisdiction to give investing advice or provide investment recommendations. The Company is not affiliated with, nor does it receive compensation from, any specific security. Please see https://www.byfiq.com/terms-and-privacy-policy for additional important information.LinkedIn | YouTube coltivar.com