Strategy Meets Finance

Want to grow your business? Download your free roadmap today: coltivar.com/growth Join host Steve Coughran as he interviews Chris Budd, the author of the Four Cornerstones of Financial Wellbeing, in this episode of the podcast. In this thought-provoking discussion, they delve into the question of why so many of us feel dissatisfied and unfulfilled when it comes to money. Chris challenges the conventional wisdom that accumulating more wealth is the key to financial independence, and suggests that true contentment lies in becoming more aware of what truly makes us happy. By focusing on the four cornerstones of financial wellbeing - security, freedom, options, and happiness - we can unlock new opportunities for success and fulfillment in our lives. Tune in to gain valuable insights into how to build a stronger relationship with money and achieve greater financial wellbeing._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):Commercial real estate is running out of timeBlack Rock pitches private credit fundsVista Equity Partners wins bigFord plans to fire hundredsECB struggles to balance price and financial stabilitySenegal gets a boostHousing inventory stays tight 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 Have you ever wondered why discussing money can be so challenging, even among family members? Join us in this insightful conversation with our guest, Lori Sackler, the founder and leader of the Evergreen Lane Wealth Management Group, and author of "Money Talk Every Family Needs to Have About Wealth and Their Financial Future." Lori shares her personal journey from a musician to a financial powerhouse, and how her mother's unexpected passing propelled her into the world of finance. We discuss the importance of financial literacy and how overcoming obstacles in our lives can lead to personal growth and better financial futures._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):·         Eisman's big infrastructure bet·         Global stocks slip·         ECB warns of recession·         Berkshire Hathaway boosts stakes in Japan·         SoftBank CEO breaks silence·         A win for homebuildersDisclaimer: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 Do you feel like you can be doing more in your life to fulfill your full potential? Or, perhaps you feel stuck or lack purpose. In this episode, host Steve Coughran recounts his powerful experience traveling to Havana, Cuba, where he was reminded of the importance of living life to the fullest and making a difference. Through his trip, he realized that there is so much more he can do to make a positive impact in the world, both personally and professionally. Join us as we explore the lessons Steve learned on his journey and how they can inspire all of us to strive for more._______________________________________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

Important Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):UK Investments declineTesla takes chargeU.S. Budget gap hits $1.2TExpectations for inflation hit 2 year lowCardboard boxes and consumer spendingCruise ship stocks on the riseGoogle’s antitrust chargesDisclaimer: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 Financial statements are important documents that provide information about the financial performance and position of a business. While the basic principles of financial statements apply to all businesses, there are significant differences between the financial statements of banks and corporations. Banks have unique accounting and regulatory requirements that make their financial statements distinct from other corporations. For instance, banks generate revenue mainly through interest income, which is different from traditional corporations that typically earn revenue through sales of goods or services. Banks also hold different types of assets and liabilities on their balance sheets as they deal with loans, securities, deposits and other financial instruments. Additionally, banks have to follow specific accounting standards, such as generally accepted accounting principles (GAAP), that are tailored to the banking industry. Finally, bank financial statements have more detailed disclosures about risks and uncertainties due to the nature of the banking business. Understanding these differences can help stakeholders, investors, and regulators better interpret bank financial statements and make informed decisions. Join Steve Coughran for this episode where he’ll walk you through an example from JP Morgan Chase & Company and help you to feel more comfortable with the nuances of bank financial statements._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):Apple’s mixed-reality visionLending rules tighten on U.S. banksThe U.S. Treasury looks to borrow $1TU.S. Corporate earnings forecast a dropChina’s economic packageUpdates on UBS acquisition of Credit SuisseThe SEC sues BinanceDimon sits down with House DemocratsDisclaimer: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 Did you know that when it comes to driving profitability, most business leaders and consultants get it completely wrong and end up destroying the long-term value of their companies? Using the right financial levers is crucial in driving sustained profitability for any company. By focusing on the four key drivers of profitability – price premiums, revenue, cost of goods sold, and operating expenses, businesses can make informed decisions that optimize their financial performance. Effective management of these levers can help companies achieve long-term growth, increase shareholder value, and remain competitive in a dynamic market. Failure to use the right financial levers could lead to increased operating costs, lower profit margins, and reduced cash flows, all of which can adversely affect a company's bottom line. Therefore, it is important for businesses to have a solid understanding of their financial performance and leverage the appropriate financial levers to drive profitability and ensure sustainable business growth. Join Steve Coughran for this episode to learn more about how you can drive high profits that will ultimately increase firm value._______________________________________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/growthImportant Financial and Economic NewsCheck out what's happening in the economy and world of finance by watching this week's edition of FinWeekly.  These insights are exclusive to the free Boosting Your Financial IQ app and can be found under the "Learn" section. Here are a few highlights (Watch the full report on the app):Details from the debt dealInvestors are still betting on big techNvidia shares surge, but is it priced ‘ahead of the curve’?The Winklevoss twins chase the pot of goldJP Morgan makes moves for the super-richInvestors are cooling down on buying homesDisclaimer: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