Strategy Meets Finance

Want to grow your business? Download your free roadmap today: coltivar.com/growthCheck out what's happening in the economy and world of finance by watching this week's special 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):Lifting the debt ceiling again, in January U.S. federal debt hit $31.4TMicrosoft outperforms Google with 7% top line growthApple’s project to track emotionsTesla’s price warFirst Republic and banking’s $500B outflowCredit updates, corporate bankruptcies on the riseConsumer confidence falls for the third straight monthWhat millennials missed out on last yearDisclaimer: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 want to know how to launch a successful career in finance and grow professionally? Do you ever wonder what separates the average worker from the high performer? Well, there is no need to guess because in this episode, I talk with my former colleague and assistant controller of a successful FinTech company, Heidi Ardia. In this show we’ll be discussing topics such as education, learning from others, and building the right skillsets to lead with impact and accelerate one’s career. You'll also learn about the importance of staying up to date on emerging technologies and industry trends, as well as the value of building a strong professional network to help you succeed in finance. If you are interested in pursuing a career in finance or looking to take your finance career to the next level, then this episode is definitely for you! So, sit back, relax, and join us as we explore the secrets to launching a successful career in finance._______________________________________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/growthCheck 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):The impact of $500B pumped into the financial systemHow the U.S. $1.4T deficit is impacting the dollar's purchasing powerNew housing starts, foreclosures, and auto loansCommercial real estate's looming $1.5T crisisChina's economic recoveryPiping hot inflation in U.K. and the Bank of England's likely responsePotential market opportunitiesDisclaimer: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 What if you could use your spare change to begin investing in stocks, cryptocurrency, and other financial assets? Join me for this special episode where I talk with the Founder of Bundil, Dmitri Love, about the app he created to turn loose change into an investment portfolio. In this show we’ll talk about his journey into FinTech, how he got on the T.V. show SharkTank, and how he works hard to help people invest in a brighter future._______________________________________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/growth Getting your financial house in order can have a huge impact on your life. A strong financial foundation will provide you with greater economic stability and security, allowing you to save and invest money for the future while also managing debt responsibly. Financial freedom means having the ability to choose how you want to live and work and empowers you to fulfill your purpose in life. With good financial management, you can make plans that allow you to take advantage of opportunities when they arise and provide yourself with a cushion if anything unexpected happens. Join me for this episode where I talk with Marcus Garrett, the author of D.E.B.T. Free or Die Trying, about his journey to paying off debt and pursuing the life he truly loves._______________________________________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/growth Globally, there is currently about a half of trillion dollars in dry powder, or capital that has been committed by investors but has not been invested or allocated, according to S&P Global Market Intelligence.  This means there is a tremendous amount of opportunity for business leaders who are looking to grow their business portfolio or sell their company via the private equity asset class.  However, to be effective at maximizing value in the private equity space, business leaders need to have a playbook and understand exactly how it works and who are the players.  That's why I'm looking forward to my conversation with Adam Coffey, a CEO who has two decades of experience building businesses for private equity companies.  Adam is an inspiring and authentic leader who creates high-performance cultures and drives transformative growth. Over the past 21 years, he has had the honor of serving as President and CEO of three national private equity-backed service companies, each in different industries. Adam is an active mentor to MBA candidates and is a regular guest speaker at UCLA. With a diverse background, he has led several commercial and industrial service businesses, is a licensed general contractor, a pilot, a former GE executive, an alumnus of the UCLA Anderson Executive Program, and a veteran of the US Army. Adam’s first book, The Private Equity Playbook, was released in 2019 and became an instant #1 Amazon Best Seller and private equity cult classic.  _______________________________________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/growth Building wealth is critical because it can give you the freedom and security to live life on your own terms. With enough wealth, you'll be able to make choices without worrying about the financial implications. You can put money into investments that benefit you in the long-term such as retirement accounts or real estate investments. Wealth also allows you to pursue opportunities that may not have been available before and make a positive impact on the world in ways beyond just money. However, as you pursue the path to financial independence it's important to take the time to reflect on the key decisions and experiences that have shaped your life up to this point. In this episode I talk with financial expert, Peter de Silva, about how people can evaluate their life's purpose, career, and relationships to ensure they find lasting joy beyond the money.  You won't want to miss this episode because we are going to dive into Peter's 10 life and leadership principles from his newest book Taking Stock, which I found to be extremely helpful._______________________________________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/growth Are you worried about the banking system? Do you want to learn more about the government’s recent move to shore up banks and provide liquidity in the system. What we are witnessing right now with central banks and their commitment to provide “unlimited liquidity” to mitigate a crisis has massive inflationary consequences. Join me for this special episode where I’ll discuss Silicon Valley Bank, Signature Bank, the UBS-Credit Suisse merger, and the other 190 banks on the brink of failure._______________________________________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/growth Working in accounting and finance can offer numerous benefits to employees. The profession can help employees develop a number of related skills such as problem-solving, analytical thinking, communication, and organization. Accounting and finance can also offer competitive salaries along with the potential for career advancement. Tune in to this episode where Steve talks with a few of his old FinOps team members—Heidi, Reid, and Joseph about their personal journey and experience working for a financial technology company._______________________________________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/growth Businesses can maximize their money through tax credits by taking advantage of different programs that are available for various activities and expenses. For example, the research and development (R&D) credit allows businesses to claim a credit for certain wages and costs associated with developing new products or services. Additionally, businesses investing in renewable energy resources may be eligible for the Renewable Electricity Production Tax Credit (PTC). By researching and utilizing all of the credits that are available to them, businesses can reduce their overall tax burden while also making investments in their future. Join me in this episode where I talk with Ryan Maddock, Managing Partner of GMG Savings, about how companies can tap into these credits to invest in new equipment, hire more employees, and fund research and development projects. _______________________________________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