The Millionaire Next Door

Markets can feel calm on the surface while powerful shifts happen underneath. Are recent pullbacks a warning sign, or simply part of a broader rotation? In this episode, Robert Curtiss welcomes back Miles Clark of Nasdaq Dorsey Wright to break down sector rotation, weakening tech leadership, and renewed strength in international equities. They explore how momentum strategies respond to shifting trends, why AI spending faces rising scrutiny, and what participation indicators reveal beneath flat index performance. The conversation also covers sentiment signals, precious metals, crypto volatility, and the importance of selecting the right benchmark. Miles shares key insights: Why six sectors now outperform the S&P 500 after years of narrow tech leadership How momentum strategies adapt when former winners begin to weaken What sentiment data suggests when bears begin to outnumber bulls The impact of massive AI infrastructure spending on tech valuations Why benchmark selection matters more than chasing index headlines And more! Resources: Educational videos (bottom of the page)   Connect with Miles Clark : LinkedIn: Miles Clark Nasdaq Dorsey Wright Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA   About Our Guest: Miles currently works as a Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative strategies to Wall Street and professional money managers globally. Since 1987, DWA has been a recognized expert in relative strength and momentum through the application of Point & Figure (XO) charting, as well as a thought leader in tactical portfolio construction. Miles joined the DWA team as an intern in 2021 and now creates technical-based analysis and client-facing research in the firm’s Daily Market Analysis segment, with more focused coverage in the communication services, industrials and cryptocurrency spaces. Other areas of involvement to note include supplementing broad-based technical indicator and research projects and the creation of weekly media distributed to prospective clients.

Long-term investing can feel more difficult when headlines are loud and markets seem unpredictable. What happens when investors stop reacting to daily noise and start thinking like institutions that plan decades ahead? In this episode, Robert Curtiss welcomes Chris Schelling, CAIA, Managing Director at Aksia, to explore how private markets have shaped institutional portfolios and why some individual investors may now gain access to approaches like those used by institutions, depending on account type, regulatory eligibility, and minimum investment requirements. They break down private equity, private credit, liquidity planning, diversification across vintages, and the importance of manager selection. The conversation also touches on volatility, long-term return expectations, and what advisors and investors should look for when evaluating alternative investments. Key takeaways: How institutional investors approach private markets — and what does that mean for access and implementation for individual investors with long-term horizons and diversified portfolios Why private equity and private credit returns differ from public markets over multi-year periods The role of liquidity planning and why private investments are not truly locked up for a decade Why manager selection matters more in private markets than in public equities How simplified structures have made private investments easier for individual investors to access And more! Resources: Educational videos (bottom of the page) Connect with Chris Schelling: LinkedIn: Christopher Schelling Website: Aksia Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Chris Schelling is an investor, advisor, and published author. With degrees in psychology, business, and finance, Chris is an expert at incorporating insights from behavioral finance into investment decision-making. During his 20+ year tenure in the investment industry, building portfolios, mostly focused on alternatives, Chris has met with over 4,000 managers and allocated roughly $7 billion, generating top quartile to top decile returns across hedge funds, real assets, private credit, and private equity.

For investors facing concentrated wealth or future liquidity events, understanding tax-aware planning options matters long before decisions are required. Opportunity Zones are one of the most talked-about and least understood tools in that conversation. In this episode of The Millionaire Next Door Podcast, Robert Curtiss sits down with Michael O’Shea, CFA, Head of Private Wealth at Origin Investments, to unpack one of the most misunderstood and potentially powerful tax planning tools available today: Qualified Opportunity Zones. Together, they walk through how Opportunity Zones work, why the original structure created a temporary pause in interest, and why upcoming changes beginning in 2027 may reopen the door for investors facing large capital gains. The conversation focuses on real-world planning scenarios, including concentrated stock positions, private business exits, and highly appreciated real estate. Michael explains how Opportunity Zones differ from 1031 exchanges, what the long-term benefits may look like when paired with professionally managed real estate development, and why advanced coordination with tax and legal advisors matters. This episode is designed as an evergreen educational resource for investors who want to understand their options well before a liquidity event occurs. Key takeaways: How Qualified Opportunity Zones work and why they were created What’s changing in Opportunity Zone legislation starting in 2027 How Opportunity Zones may help address large capital gains from stocks, businesses, or real estate Why long-term real estate development and coordinated planning are key to using this strategy effectively And more! Resources: Educational videos (bottom of the page) Connect with Michael O’Shea: Origin Investments LinkedIn: Michael O’Shea Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA   About Our Guest: Michael brings more than 18 years of real estate and capital markets expertise to Origin as Director and Head of Private Wealth Solutions. In this role, he leads the firm’s capital raising initiatives, oversees the sales strategy, and develops strategic partnerships with Registered Investment Advisors (RIAs) to expand Origin’s investment platform. Previously, Michael served as the head of Origin Exchange, the firm’s 1031 Exchange Platform. During his career in the alternative investment sector, Michael has played key roles with various real estate sponsors, facilitating the syndication of more than $10 billion in commercial real estate investments, including over $500 million in 1031 tax-deferred exchanges. Michael holds an MBA with dual concentrations in Finance and Real Estate Investment from DePaul University, where he graduated summa cum laude. He earned his bachelor’s degree from Purdue University and is a CFA® charterholder. A resident of Elmhurst, Michael lives with his wife Lauren and their three children Declan, Alice, and Tristan. Outside of work, he enjoys golf, Chicago sports, and spending time with his family.

Markets are entering a year shaped by crosscurrents, shifting signals, and unresolved questions. Economic strength, policy decisions, and investment concentration all point to a period that demands close attention and thoughtful positioning. In this episode, Robert Curtiss speaks with Peter Repetto, Vice President and Investment Strategist at iCapital, about their 2026 economic and market outlook. They explore slowing labor trends alongside strong GDP growth, the role of AI investment, and how fiscal and monetary policy may influence markets. The conversation also covers inflation risks, tariffs, and why selectivity across asset classes matters heading into a midterm election year. Key takeaways: How slowing job growth contrasts with strong GDP readings and what that tension could mean for 2026 Why AI capital spending remains a key growth driver, but requires careful company selection The impact of tariffs, fiscal policy, and court decisions on rates and equity markets Why earnings growth, not valuation expansion, may define equity returns next year How private markets and alternative strategies may help address concentration and volatility And more! Resources: Educational videos (bottom of the page) Connect with Peter Repetto: LinkedIn: Peter Repetto iCapital Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Peter is a Vice President and Investment Strategist at iCapital, focusing on developing and delivering research, investment ideas, and thought leadership content for external and internal audiences on behalf of iCapital’s Investment Strategy team. Prior to joining the firm, Peter spent over eight years at Franklin Templeton Investments, where he contributed to their asset allocation strategy and macroeconomic research. Peter holds a BA in Economics from Fairfield University.

Reliable income is harder to find when markets shift, and traditional tools feel less predictable. Many investors are looking for new ways to generate cash flow without stepping away from equity exposure altogether. This week, Robert Curtiss welcomes Matt Kaufman, Head of ETFs at Calamos Investments, to explain how auto-callable strategies work and why they are gaining attention. They break down how equity-linked income differs from bonds, how coupons are generated, and where these tools may fit inside a portfolio. The conversation also covers risk considerations, tax treatment, and how ETFs are changing access to structured strategies. Key points: How equity markets can be used to generate consistent monthly income instead of relying on bonds Why auto callable strategies trade upside participation for predictable cash flow How downside barriers work and when coupons may pause or resume Tax treatment differences compared to traditional fixed income Where auto-callable ETFs may fit alongside equities, munis, or covered call strategies And more! Resources: Educational videos (bottom of the page) Connect with Matt Kaufman: LinkedIn: Matt Kaufman Website: Calamos Investments Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Matt Kaufman serves as SVP, Head of ETFs at Calamos Investments, where he leads the firm’s ETF business. Matt joined Calamos Investments in 2023 as an accomplished financial services executive with more than 20 years of experience serving the asset management and insurance industries across North America, Europe, and Asia. Matt has designed, led, and helped build hundreds of exchange-traded funds (ETFs), unit investment trusts (UITs), indexes, variable insurance trust funds, registered index-linked annuities, fixed annuities, and closed-end funds. He is also a sought-after source by leading financial publications and is a frequent speaker at industry conferences and events. Prior to Calamos, Matt spent more than a decade at Milliman, Inc., where he served as President of the firm’s broker/dealer (Milliman Investment Management Services LLC) and as a principal of the firm’s $170b RIA (Milliman Financial Risk Management LLC). Matt also draws from his prior experience at PowerShares ETFs, where he helped the firm grow during the formative years of the ETF ecosystem. Matt earned a B.A. in Public Administration and Economics from Cedarville University and maintains Certified ETF Advisor (CETF®) and Professional Certified Marketer® designations through The ETF Institute and American Marketing Association, respectively. He also holds FINRA Series 7, 63, and 24 and CFTC Series 3 licenses.

If you own investment property in California, you may have wondered how to handle the built-up gain without losing a significant portion to taxes. Robert sits down with Damian Gallagher, Senior Vice President at Blue Rock, for a grounded, practical walkthrough of 1031 exchanges and DSTs. The conversation opens with the history of 1031 rules, then moves into what actually happens when you sell, how timelines work, and why so many investors struggle with the 45-day identification window. Damian also explains DSTs in plain language, including when they might help reduce hands-on management and how they fit into long-term estate planning. What to expect: How like-kind rules truly work The 45-day and 180-day deadlines are explained in real terms When DSTs may help simplify life for aging investors The lesser-known 1033 disaster exchange option And more! Resources: Educational videos (bottom of the page) Connect with Damian Gallagher: LinkedIn: Damian Gallagher Bluerock Capital Markets, LLC. Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA This information is educational in nature and does not constitute a financial promotion, investment advice or an inducement or incitement to participate in any product, offering or investment. Bluerock is not adopting, making a recommendation for or endorsing any investment strategy or particular security or promoting the individuals or businesses referenced. All opinions are subject to change without notice, and you should always obtain current information and perform due diligence before participating in any investment. All investing is subject to risk, including the possible loss of principal. Bluerock cannot guarantee that the information herein is accurate, complete or timely. Past Performance does not guarantee future results. There are a number of significant risks that should be considered and reviewed when considering an investment in real estate or real estate securities. This is neither an offer to sell nor a solicitation of an offer to buy the securities. An offering is made only by the applicable offering documents and only in those jurisdictions where permitted by law. Our website must be read in conjunction with the applicable offering documents in order to understand fully all of the implications and risks of the offering of securities to which it relates and a copy of the offering documents must be available to you in connection with any offering. Securities offered through Bluerock Capital Markets, LLC | Member FINRA’s BROKERCHECK® Affiliated with Bluerock Real Estate, LLC

It is not often that an economic moment feels this confusing for everyday people, and Robert Curtiss knows it. That is why he brings economist Bryce Gill, economist and national speaker with First Trust Advisors, into a conversation that puts words to the shifts everyone is sensing but few can explain clearly. Robert approaches the discussion the same way he approaches client conversations. He slows things down, asks the questions people are wrestling with, and pulls out insights that make a complicated world easier to understand. Together, Robert and Bryce explore how global supply chains are being rebuilt, why inflation feels so different from what the data suggests, and how AI and automation are reshaping opportunities for younger workers. What to expect from this release: How global reshoring and demographic changes are reshaping inflation and economic growth Why younger workers are struggling to find traction and how AI is influencing hiring What rising regional shifts inside the United States reveal about long-term economic power How market concentration within a handful of companies may affect future returns and consumer behavior And more! Resources: Educational videos (bottom of the page) Connect with Bryce Gill: First Trust LinkedIn: Bryce Gill Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: A resident of Austin, Texas, Bryce graduated from Miami University of Ohio with a bachelors degree in economics and received an MBA from the University of Texas. An economist and designated national speaker with First Trust he works directly with his colleague Brian Wesbury in the creation of the firm’s widely read weekly “Monday Morning Outlook.” In 2022, First Trust’s work was recognized by its receiving the highly coveted Consensus Economics Award for most accurate economic forecasting. With a highly energetic speaking style and a scholar’s understanding of current economic matters, Bryce is a frequent guest on financial related podcasts and other media platforms, as well as a speaker at numerous public forums with his listeners remarking upon his ability to make the often difficult to understand both understandable and interesting. In his presentation on “The Dawn of the Era of Volatility” Bryce will be focusing in his talk on describing the coming changes in the global and US economy and how investment advisors can best prepare their investor’s portfolios for those changes in the years to come.

When most investors think about private credit, they picture direct lending. But as Tod Trabocco, Head of Private Debt Advisory at StepStone Group, makes clear, it’s much more nuanced than that. With over two decades in the space, Tod walks us through the four silos of private credit, including corporate, asset-based, asset-backed, and risk-sharing strategies, using unforgettable examples like leasing aircraft and monetizing Van Halen’s music catalog. Listeners will learn: Why private credit offers control that public markets don’t How bilateral negotiation changes risk dynamics What recent high-profile defaults reveal (and what they don’t) Why institutions are doubling down on asset-based finance And more! Resources: Educational videos (bottom of the page) Connect with Tod Trabocco: StepStone Group LinkedIn: Tod Trabocco, CFA Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Mr. Trabocco is Head of Private Debt Advisory for StepStone Private Debt. He is responsible for helping public and private pension plans, endowments, and foundations build private credit portfolios and sits on the Private Debt Advisory Investment Committee. Prior to joining StepStone Private Debt, Mr. Trabocco served as a consultant and product specialist at Aksia, where he sat on the firm’s credit fund investment committee. Prior to Aksia, he served as Head of Product for ITE Management, a leading transportation leasing fund. Prior to that, he was Cambridge Associate’s first Head of Private Credit, and chaired that firm’s Credit Investment Committee. He began his career in private credit in 2005 as Head of Research and Underwriting for LBC Credit Partners, now CIFC’s direct lending unit. He holds an MBA from Columbia Business School and a MALD from the Fletcher School of Law and Diplomacy at Tufts University.

Why do 90% of heirs walk away from their parents’ advisor? Robert Curtiss welcomes Natasha Kennedy, a former Wall Street professional turned mental health therapist, to explore why the Great Wealth Transfer is at risk of becoming the Great Disconnect. With $124 trillion poised to change hands in the next two decades, this episode tackles the emotional, behavioral, and generational blind spots advisors must navigate to retain relationships across family lines. Expect insights on: Why wealth transfer isn’t just about documents and dollars How silence, secrecy, and emotional discomfort disrupt legacy Small, powerful actions advisors can take to build trust with heirs What younger generations actually want from a financial advisor And more! Resources: Educational videos (bottom of the page) The Five Pillars of Performance with PJ Nestler (Ep. 59) “The Comfort Crisis” by Michael Easter “The Richest Man in Babylon” by George S. Clason Let’s Communicate Before We’re Gone with Pat Miles Zimmerman (Ep. 31) From Denial to Deliberate: Planning for Life’s Final Moments with Pat Miles Zimmerman (Ep. 42) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Natasha Kennedy: LinkedIn: Natasha Kennedy Citron Hennessey Therapy About Our Guest: Natasha believes that growth is inevitable for those who patiently seek it. She also knows that change is usually messy, non-linear, and almost always uncomfortable. Said differently, she is profoundly aware of the vulnerability and trust required to explore the intricacies and contradictions of your inner world with another person. Natasha’s ultimate goal is to provide you with a warm and compassionate space to engage in this work together. Natasha, perhaps unexpectedly, spent the first decade of her career working in finance. Along this journey, she received her MBA from Columbia Business School. Prior to this, she received her BA in English and Psychology from Georgetown University, where her interest in storytelling and the human condition truly began. She is now pursuing her Master’s in Counseling and Mental Health from Northwestern University. Her therapeutic style draws from several theories, including Acceptance and Commitment Therapy (ACT), Cognitive Behavioral Therapy (CBT), and Narrative Therapy. It is extremely important to her that she tailors her therapeutic approach to best fit your individual needs, timeline, and desired outcome. It is her privilege to be entrusted with your story, and she commends you for courageously stepping toward the life you want for yourself.

Is private equity still worth it, and can everyday investors finally get access without the complexity? Robert Curtiss, CFP,® welcomes back Phil Huber, Managing Director and Head of Portfolio Solutions at Cliffwater, to unpack the rise of evergreen private equity funds, an innovation reshaping the private investing landscape. Phil explains how Cliffwater’s newly launched Evergreen Private Equity Index is giving advisors better visibility into performance, while opening doors for accredited and even unaccredited investors to tap into long-term private market strategies. Expect an honest look at tradeoffs, manager due diligence, and the evolution of access, with a side of market context as the AI boom and public market concentration unfold. What to expect: Why private equity has outperformed public markets over time How evergreen structures are simplifying access for investors What Cliffwater’s new index reveals about fund performance and dispersion Key factors that determine success or failure in private equity portfolios And more! Resources: Educational videos (bottom of the page) How to Build a Diversified Investment Portfolio with Phil Huber, CFA, CFP® (Ep. 70) Navigating Alternative Investments with Phil Huber, CFA, CFP® (Ep. 55) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Phil Huber: LinkedIn: Phil Huber, CFA, CFP® Bps and pieces | Incremental Investing Insight with Phil Huber About Our Guest: Phil is a Managing Director and Head of Portfolio Solutions for Cliffwater, based in their Chicago office. In this role, Phil leverages his prior experience as a wealth management CIO to produce and curate investment research, advise on product strategy and positioning for the firm’s growing platform, and help establish and strengthen relationships with the nation’s leading wealth management firms. Prior to joining Cliffwater, Phil was the Chief Investment Officer for Savant Wealth Management. He earned a bachelor’s degree in finance from the Kelley School of Business at Indiana University. He is a CERTIFIED FINANCIAL PLANNER professional, has attained his Chartered Financial Analyst® (CFA®) designation, and is a member of the CFA Society of Chicago. Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

As markets surge on the backs of the Magnificent Seven, are investors missing what’s happening off the radar? Robert Curtiss, CFP®, is joined by Andrew Hull, CFA, Vice President and ETF Strategist at First Trust, to unpack overlooked investment opportunities that may hold stronger long-term value than today’s most-hyped tech names. Andrew explains how today’s market is historically concentrated and why that creates risk and opportunity. From the reshoring of American industry to massive grid upgrades and the rise of water-cooled data centers, this conversation clarifies themes that may shape the future of returns. What to expect in this episode: How AI’s energy demand is disrupting grid infrastructure planning Why tariffs and trade policy are driving a rebirth of U.S. manufacturing The surprising institutions most vulnerable to cyberattacks How water usage is becoming a critical factor in chip and data center expansion And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Andrew Hull: LinkedIn: Andrew Hull, CFA About Our Guest: Andrew Hull is a seasoned financial professional with a robust background in exchange-traded funds and commercial banking. Currently serving as Vice President and ETF Strategist at First Trust, he has cultivated a deep understanding of monetary authorities and central banking dynamics. With over a decade of experience at First Trust, including roles as an Economic Analyst, Andrew has demonstrated a strong commitment to financial strategy and analysis. Prior to this, he held a Vice President position at Columbia Bank, where he honed his skills in commercial banking. Andrew graduated from Wheaton College with a Bachelor’s Degree in Business Economics, which laid the foundation for his analytical expertise. His career reflects a blend of strategic leadership and technical financial acumen, positioning him as a valuable asset in the finance sector. He is particularly interested in the intersection of finance and emerging technologies, aiming to leverage innovative solutions in investment strategies. Andrew’s professional journey exemplifies adaptability and a dedication to continuous learning in a rapidly evolving industry.

When electricity demand in the U.S. hit a record-breaking high on July 28th, 2025, it wasn’t a blip; it was a signal. In this powerful follow-up to Episodes 69 and 78, Robert Curtiss welcomes back Michael Underhill, founder and CIO of Capital Innovations, to unpack the megatrends shaping the future of investing. From surging AI-driven capital expenditures to the multi-trillion-dollar rebuild of America’s power grid, Michael outlines why infrastructure is no longer a “nice to have” but an essential portfolio diversifier. He explores how interest rate cycles, inflation, and the evolving definition of risk are impacting investor behavior and how private infrastructure may offer consistent returns, lower volatility, and true non-correlation in today’s concentrated markets. What to expect: Why is electricity demand rising faster than forecasted? The three infrastructure megatrends to watch through 2050 How to think like an institutional investor with alternatives The real reason private infrastructure may outperform in downturns And more! Resources: Educational videos (bottom of the page) The Role of Infrastructure in a Diversified Investment Portfolio with Matthew Moreno and Jake Kelsall (Ep. 69) The Ongoing Demand for Infrastructure Investments (Ep. 78) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Michael Underhill: Capital Innovations LinkedIn: Michael Underhill About Our Guest: Michael Underhill is the Chief Investment Officer of Capital Innovations, a firm focused on infrastructure, energy, and ESG-aligned strategies. With decades of investment experience, Michael brings a deep understanding of macro trends and emerging opportunities in private and public markets. His team manages infrastructure-focused portfolios designed to align long-term capital with long-term value creation.

What happens when public markets no longer provide the diversification they once promised? In this episode, Robert Curtiss, CFP®, is joined by Tony Davidow, Senior Alternatives Investment Strategist at the Franklin Templeton Institute, to explore the tectonic shifts transforming private markets. Tony shares insights from decades of experience working with institutional capital, family offices, and advisors. He breaks down the evolution of private equity, real estate debt, and evergreen structures and why today’s investors may be missing out on an illiquidity premium worth 3–5% per year. From secondaries to real estate, digital infrastructure to target-date funds, this conversation offers a masterclass in building smarter portfolios in an uncertain world. What to expect in this episode: Why diversification is broken and what’s replacing it The rise of evergreen investment structures for individuals How institutions use illiquidity to their advantage What 401(k) plans and retirement models could look like soon And more! Resources: Educational videos (bottom of the page) “Private Markets: Building Better Portfolios with Private Equity, Private Credit, and Private Real Estate” by Tony Davidow “The cost of being too liquid” by Tony Davidow & Priya Thakur Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Tony Davidow: LinkedIn: Tony Davidow, CIMA® Franklin Templeton About Our Guest: Tony Davidow is responsible for developing and delivering the Franklin Templeton Institute’s insights on the role and use of alternative investments through independent research, participating in industry conferences, webinars and engaging directly with key partners and clients. He also serves as the host of the Alternative Allocations podcast series. The Franklin Templeton Institute harnesses the depth and breadth of the firm’s global investment expertise and extensive in-house research capabilities to deliver unique investment insights to our clients. Prior to his current role, Davidow was retained by Franklin Templeton to develop a comprehensive Alternative Investment educational program for financial advisors. He previously held senior leadership roles with Morgan Stanley, Guggenheim, and Schwab, among other firms. Davidow began his career working for a New York-based family office and has worked directly with many institutions and ultra-high-net-worth families over the years. He is a frequent writer and speaker with deep expertise in the use of alternative investments, asset allocation, and portfolio construction, as well as goals-based investing.

It’s the dog days of summer, but the market hasn’t gone to sleep. Robert Curtiss welcomes back frequent guest Miles Clark from Dorsey Wright for a timely conversation on where we are and where we might be headed. From all-time market highs to yellow-flag participation levels, this episode dives into the realities behind performance, volatility, and how history favors the long view. You’ll hear: Why staying invested may beat trying to time the market A 70+ year study that shows the power of consistent participation What sector strength and declining breadth are signaling now The surprising leadership of international equities and green energy And more! Resources: Reading The Market’s Pulse: Breadth, Signals, And Smart Strategy with Miles Clark (Ep. 74) Educational videos (bottom of the page) 2025 Midyear Outlook from Dorsey Wright Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Miles Clark : LinkedIn: Miles Clark Nasdaq Dorsey Wright About Our Guest: Miles currently works as a Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative strategies to Wall Street and professional money managers globally. Since 1987, DWA has been a recognized expert in relative strength and momentum through the application of Point & Figure (XO) charting, as well as a thought leader in tactical portfolio construction. Miles joined the DWA team as an intern in 2021 and now creates technical-based analysis and client-facing research in the firm’s Daily Market Analysis segment, with more focused coverage in the communication services, industrials, and cryptocurrency spaces. Other areas of involvement to note include supplementing broad-based technical indicators and research projects, and the creation of weekly media distributed to prospective clients.

Markets have been anything but predictable in 2025, yet resilience continues to surprise investors. In this midyear outlook episode, Robert Curtiss is joined by Peter Repetto, Vice President and Investment Strategist at iCapital, to unpack where the economy stands and where it may be heading next. With deep insights drawn from Peter’s team-wide strategy review, they explore how markets are absorbing trade volatility, policy shifts, and inflation risks and why there’s room for optimism. They also dive into key opportunities across both public and private markets, including middle-market buyouts, infrastructure, and asset-based lending. What to expect in this episode: Why “American exceptionalism” may still hold firm What risks to watch for in the second half of 2025 Where private market opportunities are gaining traction How to approach portfolio allocation in a data-driven, uncertain world And more! Resources: Educational videos (bottom of the page) iCapital Market Pulse: Mid-Year Outlook: Top of mind questions for investors in 2H ’25 Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Peter Repetto: LinkedIn: Peter Repetto iCapital About Our Guest: Peter is a Vice President and Investment Strategist at iCapital, focusing on developing and delivering research, investment ideas, and thought leadership content for external and internal audiences on behalf of iCapital’s Investment Strategy team. Prior to joining the firm, Peter spent over eight years at Franklin Templeton Investments, where he contributed to their asset allocation strategy and macroeconomic research. Peter holds a BA in Economics from Fairfield University.

A power shift is underway. And it is not just political or technological. In this episode of The Millionaire Next Door, host Robert Curtiss sits down with Michael Underhill, Chief Investment Officer at Capital Innovations, to explore the seismic transformation in infrastructure and energy investing. With humor, historical context, and deep industry insight, Michael compares this moment to Led Zeppelin’s debut, when a once-niche phenomenon suddenly became the main event. The episode unpacks the $112 trillion global energy transition, the exponential rise of AI-fueled electricity demand, and how public and private capital must unite to power the next generation of growth. Expect insight into: Why energy demand is expected to jump 14x by 2030 The accelerating rise of nuclear, natural gas, and methane recapture How digital infrastructure (data centers, 5G, fiber) is reshaping investing Why the U.S. infrastructure report card is a wake-up call and an opportunity This conversation is more than a forecast. It is a call to understand the world you are retiring into and how to invest in what is coming next. Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Michael Underhill: Capital Innovations LinkedIn: Michael Underhill About Our Guest: Michael Underhill is the Chief Investment Officer of Capital Innovations, a firm focused on infrastructure, energy, and ESG-aligned strategies. With decades of investment experience, Michael brings a deep understanding of macro trends and emerging opportunities in private and public markets. His team manages infrastructure-focused portfolios designed to align long-term capital with long-term value creation.

In today’s financial world, headlines shift by the hour, and uncertainty feels like the new norm. But what if this volatile environment is actually full of opportunity? In this insightful episode, Robert Curtiss speaks with Zachary Levenick, a seasoned hedge fund executive turned family office investor, about why today’s market isn’t just chaotic, it’s promising. From his global experience managing funds in New York, London, and Latin America, Zach shares his perspective on why volatility may actually signal better potential returns, if you know where to look. They explore everything from small-cap inefficiencies and underpriced opportunities to the dangers of chasing overvalued giants. Plus, Zach shares why he’s cautious on private credit and where the democratization of alternatives is heading next. What to expect in this episode: Why wide outcome ranges can unlock better returns What most investors miss about market cycles and timing Where public and private market inefficiencies are hiding How individual investors can access institutional-quality alternatives And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Zachary Levenick: THG Securities Advisors, LLC. (626) 765-9950 [email protected] About Our Guest: Before joining THG, Mr. Levenick was a Principal of Taconic Capital Partners, LP (“Taconic”), a multi-billion dollar New York-based private investment firm. Mr. Levenick co-managed the firm’s London-based European operations and was Portfolio Manager for European Equities investing, where focus areas included consumer products, retail, and general industries. He also established and oversaw Taconic’s public and private investment efforts in Brazil, Mexico, Chile, and Argentina, where focus areas included education and logistics. While at Taconic, Mr. Levenick also developed extensive experience in special situations and cross-asset class investing. Mr. Levenick spent 18 years at Taconic, after joining the firm in 2002 as a research associate. Before his career at Taconic, Mr. Levenick worked at J.P. Morgan in investment banking. Mr. Levenick is a former Director of Barnes and Noble Education (NYSE: BNED). Mr. Levenick graduated from Harvard College magna cum laude with a degree in History and Literature (Medieval). He resides with his family in Southern California. They support a number of educational, outdoor, and local philanthropies in the US and UK.

With public markets still shaky despite recent rebounds, many investors are looking for more stability, without sacrificing returns. In this timely episode, Robert Curtiss sits down with Mark Gatto, co-founder and co-CEO of CION Investments, to unpack how private credit and infrastructure investing can offer stable, reliable alternatives for individual investors. They discuss the growing accessibility of alternative investments, the yield potential of private credit, and why “boring” may be the new smart in today’s market. Mark also shares how CION’s platform was designed specifically for individual investors, unlike most institutions that only cater to the ultra-wealthy. What to expect from this episode: Why the majority of high-performing companies are still private—and how to access them How regulatory changes post-2008 created opportunity in private credit The appeal of yield-focused alternatives in a volatile equity environment What to look for when choosing private market managers And more! Resources: Educational videos (bottom of the page) Connect with Mark Gatto: LinkedIn: Mark Gatto CION Investments Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Mark Gatto is Co-Founder, Co-Chief Executive Officer, and Co-President of CION Investment Group, CION Investment Corporation (CIC), and CION Grosvenor Infrastructure Fund. He is also a Director and Co-Chief Executive Officer of CION Ares Diversified Credit Fund (CADC). Mr. Gatto serves on the investment committee of CIC and the investment allocation committee of CADC. Mr. Gatto joined CION in 1999. He served as Executive Vice President and Chief Acquisitions Officer from May 2007 through January 2008. He served as Executive Vice President of Business Development from May 2006 through May 2007 and Vice President of Marketing from August 2005 through February 2006. He was also Associate General Counsel from November 1999 until October 2000. Previously, Mr. Gatto was an executive for a leading international product development and marketing company from 2000 through 2003. Later, he co-founded a specialty business-consulting firm in New York City, where he served as its managing partner before re-joining CION in 2005. He was also an attorney in private practice prior to joining the firm. Mr. Gatto received an M.B.A. from the W. Paul Stillman School of Business at Seton Hall University, a J.D. from Seton Hall University School of Law, and a B.S. from Montclair State University.

It’s not if you’ll face identity theft, it’s when. In this powerful episode, Robert Curtiss sits down with seasoned trial attorney Robert Brennan, an experienced professional in identity theft cases, to unpack the alarming realities of this modern-day crime. From fraud rings targeting disaster victims to the surprising statistic that nearly every American’s data is already on the dark web, Brennan delivers a wake-up call for anyone who thinks they’re immune. You’ll hear real-life stories of how identity theft happens, often from the people you trust most, and learn practical, actionable steps to safeguard your financial life. Robert also shares essential insights on the legal remedies available when the unthinkable happens, and why building a strong team of trusted professionals can make all the difference. What to expect from this episode: The top misconceptions about identity theft—and the hard truths Why monitoring your credit is no longer optional How to protect elderly family members from scams Why vigilance and proactive action are your best defence And more! Resources: Educational videos (bottom of the page) Connect with Robert Brennan: LinkedIn: Bob Brennan Law Offices of Robert F. Brennan, APC Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Southern California’s leading law firm in consumer protection law and serious personal injury cases. Robert Brennan is a trial attorney, setting him apart from about 98% of practicing attorneys who don’t want to take cases to trial. He has successfully tried several serious personal injury cases and has a series of 7-figure verdicts and settlements. He also has seven-figure and high-six-figure results in Fair Credit Reporting Act cases (false information on credit reports), Identity Theft cases, and Lemon Law cases (defective cars, boats, RVs, and motorcycles that the manufacturer cannot fix under warranty). The firm reviews most cases free of charge to see if they can assist. 99% of the practice is in the greater Southern California area.

What do market recoveries, pilot training, and emotional discipline have in common? In volatile times, they all remind us that trusting your instruments and your process can make all the difference. In this quarterly market check-in, host Robert Curtiss, CFP®, welcomes back recurring guest Miles Clark of Dorsey Wright to unpack what’s happening beneath the surface of recent market turbulence. From sector rotations to investor behavior, this episode brings clarity without the noise. Here’s what you can expect to learn by listening: Why the S&P’s recent rebound may be masking deeper shifts in market breadth and volatility What a 50-year data point reveals about average returns versus real-life experience How international equities and commodities are quietly gaining strength—and what that could mean for portfolios What it takes to stay objective and clear-headed when fear and headlines start to take over And more! Resources: Educational videos (bottom of the page) How To Cut Through Modern-Day Financial Noise with Gary Sinderbrand (Ep. 72) Financial Trends to Watch in 2025 with Miles Clark (Ep. 66) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Miles Clark : LinkedIn: Miles Clark Nasdaq Dorsey Wright About Our Guest: Miles currently works as a Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative strategies to Wall Street and professional money managers globally. Since 1987, DWA has been a recognized expert in relative strength and momentum through the application of Point & Figure (XO) charting, as well as a thought leader in tactical portfolio construction. Miles joined the DWA team as an intern in 2021 and now creates technical-based analysis and client-facing research in the firm’s Daily Market Analysis segment, with more focused coverage in the communication services, industrials, and cryptocurrency spaces. Other areas of involvement to note include supplementing broad-based technical indicators and research projects, and the creation of weekly media distributed to prospective clients.

Where is the economy headed amidst all this uncertainty? Well, who better to ask than a Senior Economist! Robert Curtiss sits down with Strider Elass, a Senior Economist from First Trust, to navigate the financial landscape we’re seeing so far in 2025. They discuss the implications of recent policy decisions, historic market volatility, and what they could mean for your investments. Other key conversation points include: The impact of COVID-19 shutdowns and subsequent policy decisions on the current economic climate [04:17] The “payback period” we’re entering due to recent economic stimuli [04:55] The role of the Magnificent Seven companies in stock market fluctuations [08:39] The transformative power of AI across different sectors, reminiscent of the dot-com boom [11:09] Strategies for navigating economic slowdowns and the importance of diversification in uncertain times [18:13] And more! Resources: Educational videos (bottom of the page) Connect with Strider Elass: LinkedIn: Strider Elass First Trust Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Strider Elass is Senior Economist and part of the First Trust Economics Team that Bloomberg has consistently ranked as one of the top forecasters of the U.S. economy over the past decade plus. At First Trust, Strider is responsible for analyzing economic indicators, writing economic commentaries, and building content. In 2022, The First Trust Economic Team was rated the Most Accurate Economic Forecasters in the United States by Consensus Economics. The team also won multiple Gold Medals from Financial Advisor IQ in both 2020 and 2021 for Macro Commentary, overall content, and commentary and was also rated 2nd for Thought Leadership by Fuse Research. The First Trust Economics Team has been awarded the “Crystal Ball Award” by Zillow® in partnership with Pulsenomics over multiple years for accurate home price predictions. In 2017, First Trust’s thought leadership material was ranked as number one for most read and most shared by financial professionals with colleagues or clients in the “Top 10 Financial Providers for Thought Leadership Activity.” Strider was instrumental in researching for the book, It’s Not As Bad As You Think, published in 2009 by First Trust’s Chief Economist, Brian Wesbury. Strider’s contribution to the team’s success goes beyond his research responsibilities. He is also a highly sought-after speaker and regularly presents at broker and retail events across the country and abroad, sharing his experience with a wide audience.

In a world filled with financial noise, how do you know which signals actually matter? Join Robert Curtiss as he chats with Gary Sinderbrand, a seasoned financial professional with roots going back to their days at Merrill Lynch. They unravel years of insights on keeping your financial journey on track. Delving into tales from the trading floor to personal anecdotes from the ski slopes, Curtiss and Sinderbrand uncover strategies for managing financial anxieties and the importance of a disciplined, rules-based approach. Key discussion points include: Navigating financial fear in today’s world [00:05:00] Effective strategies for overcoming biases in investing [00:07:00] The significance of process and discipline in wealth management [00:31:00] Analyzing market signals amidst the noise [00:33:00] Real-world examples of market volatility and client management [00:41:00] And more! Resources: Educational videos (bottom of the page) If the Public Only Knew Podcast with Gary Sinderbrand Connect with Gary Sinderbrand: LinkedIn: Gary Sinderbrand BetterPath Training Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Gary Sinderbrand brings a rare combination of elite production experience and transformative training expertise to your doorstep. As the co-creator of the influential Payne-Sinderbrand Program at Merrill Lynch—which helped shaped the careers of over 12,000 Financial Advisors—he has a proven ability to develop systems that drive extraordinary results at scale. Gary’s journey spans decades as both a top-tier producer and a practice management innovator. This dual perspective allows him to see opportunities others miss and implement strategies others can’t teach because they haven’t lived them. At BetterPath Training, we meet you exactly where you are. For next-generation advisors building books from scratch, Gary provides battle-tested client acquisition methodologies that bypass years of costly trial and error. For seasoned FAs preparing for succession, you can expect comprehensive frameworks for legacy planning, revenue optimization, and workload management that protect the practice you’ve worked so hard to build. Your path to exceptional results starts with exceptional guidance. That’s the BetterPath promise.

Who is the man behind the mic? In today’s episode, we pull back the curtain on Robert Curtiss’s journey—from a public policy graduate to a trusted financial advisor. Along the way, he shares hard-earned lessons on diligence, adaptability, and finding harmony between career and personal life. Robert dives into the intersection of marriage and money, emphasizing the power of shared values, mutual respect, patience, and flexibility in building a strong financial foundation with your partner. Get ready for an inspiring conversation filled with wisdom, real-life experience, and practical advice on navigating life’s biggest milestones—without sacrificing financial security or personal fulfillment. Key takeaways include: His childhood journey and financial ambition. [02:33] The pivotal role of discipline and curiosity in his career. [13:39] Effective financial habits for twenty-somethings. [16:49] Balancing present joys with future savings. [20:00] Navigating finances in relationships. [23:40] Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Are you ready to unlock the potential of alternative investments in your portfolio? Join Robert Curtiss as he sits down with repeat guest Phil Huber from Cliffwater to explore the dynamic world of alternative investments. The episode delves into the benefits of diversification, the current volatility in global markets, and the strategic role of private debt and equity. Discover why modern investors can’t afford to ignore these opportunities and how they’ve helped portfolios remain robust amidst market uncertainty. Other key discussions include: Broad asset allocation outlook and capital market assumptions [00:01:52] The role and expectations of traditional versus private asset classes [00:05:22] Differences in stock valuation between US and non-US stocks [00:05:53] Performance insights and misconceptions about private markets [00:22:17] And more! Resources: Educational videos (bottom of the page) Navigating Alternative Investments with Phil Huber, CFA, CFP® (Ep.55) Connect with Phil Huber: LinkedIn: Phil Huber, CFA, CFP® Bps and pieces | Incremental Investing Insight with Phil Huber Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Phil is a Managing Director and Head of Portfolio Solutions for Cliffwater, based in their Chicago office. In this role, Phil leverages his prior experience as a wealth management CIO to produce and curate investment research, advise on product strategy and positioning for the firm’s growing platform, and help establish and strengthen relationships with the nation’s leading wealth management firms. Prior to joining Cliffwater, Phil was the Chief Investment Officer for Savant Wealth Management. He earned a bachelor’s degree in finance from the Kelley School of Business at Indiana University. He is a CERTIFIED FINANCIAL PLANNER professional, has attained his Chartered Financial Analyst® (CFA®) designation, and is a member of the CFA Society of Chicago. Certified Financial Planner Board of Standards Inc. (CFP Board) owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER in the U.S., which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

What if you could tap into the infrastructure of tomorrow, today? As Americans, it’s fair to say that some of our infrastructure and urban grids are outdated and must be invested in and updated. How can you incorporate infrastructure in your portfolio? Join Robert Curtiss and portfolio managers Matthew Moreno and Jake Kelsall from StepStone Group as they unpack the robust world of private infrastructure. From bustling airports to critical utilities and the intricacies of renewable energies, this episode uncovers why private capital is taking the reins from government efforts in evolving our global infrastructure. Discussing Overlooked Opportunities: Tap into the vast potential of maintaining and upgrading aging infrastructure assets across the globe. [04:00] Navigating Infrastructure Demand: Explore how key sectors are experiencing rapid growth, driven by electrification and globalization. [09:23] Investing Strategies and Risk Management: Learn how StepStone opens the infrastructure asset class to all scale investors and manages the inherent risks. [15:19] Correlation and Resilience: Discover the relative resilience of infrastructure investments despite global economic disruptions. [25:36] Portfolio Diversification: Understand how adding infrastructure could fortify your portfolio against inflation and market volatility. [31:39] And more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with StepStone Group: StepStone Group LinkedIn: Jake Kelsall, CFA About StepStone Group: StepStone Group explores, evolves, and solves with its partners and clients, bringing together diverse specialists and perspectives to cover all of the private markets — uncovering what others may not. StepStone has a unique way of seeing, thinking about, and acting within the world of private markets. These attributes form the foundation of how the firm collaborates and helps clients succeed. StepStone fosters an environment where everyone feels informed, confident, and empowered to act, applying their curiosity and skills to solve even the most complex challenges. The firm is deeply immersed in data, understanding that intelligence is everything — from the source and quality of data to the advanced tools used to analyze it. StepStone’s rigor, transparency, and proprietary technology yield sharper insights, which in turn inform better strategies and decisions. Reaching and realizing the most compelling opportunities requires a platform with true breadth and depth, spanning all asset classes, strategies, and structures. That’s why StepStone built one — to provide greater vision, flexibility, and customization. The firm is truly global, with experts on the ground wherever its clients need to be. Now operating in 16 countries with 26 offices worldwide, StepStone’s presence attracts a powerful network of LPs and GPs, granting it distinctive views on every aspect of the private markets.

Want to know how venture capital is reshaping the future? Join us as we explore this dynamic landscape with industry experts. Robert Curtiss, CFP®, sits down with Stephen West and Anthony Giambrone from StepStone to demystify venture capital. They explore how this dynamic sector, historically the reserve of institutions, is becoming more accessible. Discover how venture opportunities can diversify your portfolio and how the VC landscape has transformed over the past decade. Top takeaways include: Difference between Private Equity and Venture Capital and why VC matters [04:58] Today’s VC landscape and the democratization of investment accessibility [12:38] Insights into innovative sectors like AI and aerospace [15:06] Real-world examples of tech advancements reshaping industries [18:21] Resources: Educational videos (bottom of the page) Connect with Anthony Giambrone and Stephen West: LinkedIn: Anthony Giambrone LinkedIn: Stephen West StepStone Group Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guests: Mr. Giambrone is a member of the private equity team, focusing on venture capital and growth equity investments. Prior to joining StepStone, Mr. Giambrone was a principal with Greenspring Associates, a venture capital and growth equity investment firm that merged with StepStone in 2021. Previously, he was a senior associate at Mercato Partners, a leading growth-stage, venture capital fund based in Salt Lake City, Utah. Before that, he was an investment banking analyst with Deloitte Corporate Finance (formerly McColl Partners). Mr. West is a member of the private equity team, focusing on venture capital and growth equity investments. Prior to StepStone, Mr. West was a member of the research team at Greenspring Associates, a venture capital and growth equity investment firm that merged with StepStone in 2021. Prior to that, Mr. West was a technology investment associate at JMP securities focused on cybersecurity and an associate management consultant within the strategy and organization practice at Booz Allen Hamilton. Mr. West served as a human intelligence officer in the Marine Corps.

What are the mistakes you could be making when selling your home? Host Robert Curtis sits down with Michael Bell, a seasoned real estate broker from Sotheby’s in Southern California and author of “Seller Mistakes: What You Were Never Told About Selling Your Home and Why It Should Matter to You.” Michael brings to light surprising insights and common pitfalls in the real estate industry that most sellers overlook. Top takeaways include: The truth behind common real estate practices and why they might not serve your best interests [00:01:49]. Why interviewing multiple agents is crucial for a successful home sale [00:07:09]. Hidden dangers and diminishing returns of traditional tactics like open houses and real estate signs [00:15:35]. How negotiating agent commission could reflect your potential sale negotiations [00:13:28]. The importance of understanding dual agency in real estate transactions [00:27:55]. Resources: Amazon: Seller Mistakes: What You Were Never Told About Selling Your Home and Why It Should Matter to You by Michael Bell National Association of Realtors Questionnaire Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Michael Bell: [email protected] (626) 796-4100 LinkedIn: Michael Bell Website: Michael Bell Blog: Michael Bell Sotheby’s International Realty LinkedIn: Sotheby’s International Realty About Our Guest: Michael Bell is the #1 ranked residential broker with Sotheby’s International Realty – Greater Pasadena Brokerage, specializing in high-level fiduciary services for single-party seller representation and marketing to the world’s wealthiest audience. As the top 0.3% of all Sotheby’s agents in 2023, he has completed over 600 sales in his 25-year career. In addition to his role as an expert broker, Michael is a #3 Wall Street Journal Best-Selling author of Seller Mistakes and offers complimentary copies to clients and readers. He also serves as a part-time instructor at Pasadena City College and holds multiple industry designations, including GRI, CPS, and SRES. Michael’s career path began with a BBA in Finance from Gonzaga University, progressing through roles in credit union volunteering, CMBS underwriting, and private institutional lending. After flipping homes, he founded a brokerage, later selling it to a Top 5 firm.

What does the future hold for the stock market in 2025? Robert Curtiss chats with Miles Clark, a research analyst from Nasdaq Dorsey Wright, known for their expertise in technical analysis and momentum-based trading. Dive into the emerging financial themes of 2025 as Miles offers a glimpse into the factors impacting the market landscape, emphasizing the art of reading the ‘Weight of the Evidence’ and what that data means moving into the next quarter. Rob and Miles discuss: The significance of momentum and how winners often keep winning The evolving role of small caps and the concerns about participation drying up The influence of a stronger U.S. dollar on international equities and commodities The importance of staying objective and focusing on long-term goals amidst market noise Resources: Educational videos Top 3 Investment Themes to Watch for in 2025 Connect with Miles Clark: LinkedIn: Miles Clark Nasdaq Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Miles Clark currently works as a Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative strategies to Wall Street and professional money managers globally. Since 1987, DWA has been a recognized expert in relative strength and momentum through the application of Point & Figure (XO) charting, as well as a thought leader in tactical portfolio construction. Miles joined the DWA team as an intern in 2021 and now creates technical-based analysis and client-facing research in the firm’s Daily Market Analysis segment, with more focused coverage in the communication services, industrials, and cryptocurrency spaces. Other areas of involvement to note include supplementing broad-based technical indicators and research projects and the creation of weekly media distributed to prospective clients.

What happens when you truly listen? Are you truly listening or just waiting for your turn to speak? Robert Curtiss speaks with Matt Halloran, co-founder of ProudMouth, about the art and power of listening. Matt, fresh off releasing his new book “Shut the F Up and Listen,” dives into the epidemic of loneliness and how improved listening skills can pave the way to deeper connections and understanding. Discussion points include: The art of “Listening to Listen” and not just to respond Understanding the five types of communicators: skydivers, hang gliders, water skiers, snorkelers, and scuba divers How holding space can enhance your listening ability Practical exercises for honing your listening skills The surprisingly fun eavesdropping exercise for developing a listening focus And more! Resources: “Shut the F Up and Listen” by Matt Halloran Educational videos (bottom of the page) Connect with Matt Halloran: ProudMouth LinkedIn: Matt Halloran Twitter: Matt Halloran LinkedIn: ProudMouth Facebook: ProudMouth Twitter: ProudMouth YouTube: ProudMouth Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Matt Halloran is a co-founder and chief relationship officer at ProudMouth, the world’s leading influence accelerator for financial advisors. Matt is an in-demand speaker who has appeared on over 1,000 podcasts and given hundreds of speeches. He hosts ProudMouth’s Top Advisor Marketing Podcast, where he and industry leaders empower advisors to become trusted, recognized authorities. Matt is the author of The Social Media Handbook for Financial Advisors, the first social media book for financial services. His new book, “Shut the F Up and Listen,” is also available now!

How do you run a successful business without sacrificing your personal life? Many struggle to find the answers to this question… Robert Curtiss brings on Ilona and Takaya Brunner, a dynamic CPA duo, to share their inspiring journey and unique approach to balancing work and life as business owners. They dive into how they help fellow entrepreneurs by taking the stress out of back-office tasks so business owners can focus on what truly matters. From building a thriving practice while enjoying family life to seamlessly managing client relationships, this episode is packed with practical advice and relatable insights! Talking points include: Juggling Family and Business: How Ilona and Takaya manage their CPA practice alongside family life to maintain balance Full-Service Client Care: Their approach to offering comprehensive support that relieves business owners from financial headaches The Power of Core Values: The importance of knowing your business values and using them to drive success Setting Profit Goals: Strategies for understanding personal and business finance to alleviate stress And more! Resources: Educational videos (bottom of the page) Connect with Ilona and Takaya Brunner: LinkedIn: Ilona Brunner LinkedIn: Takaya Brunner Brunner Accounting Group [email protected] Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guests: Ilona and Takaya Brunner have built a family-owned business that values their relationships with their children, clients, colleagues, and referral partners. They started Brunner Accounting to manage life and business on their terms. Ilona’s passion for serving business owners and individuals fueled her desire to open her own practice after spending 8 years in Big Four public accounting and 3 years at a local CPA firm in Burbank. Her services include tax return preparation, tax planning and consulting, IRS and state audit assistance, bookkeeping, and business management. Takaya helps individuals and companies draw insights from their finances and data. For the last 10 years, he has used his experience as a CPA to execute initiatives with C-level executives by bridging the gap between finance, IT, development, analytics, and business operations. He specializes in helping organizations analyze their financial statements to improve their products, processes, and governance.

As the financial world becomes increasingly interconnected, true wealth management goes beyond portfolios—it’s about clarity, relationships, and forward-thinking strategies. Robert Curtiss and Mike Cy take us into the heart of their holistic approach to financial planning, showcasing the tools and processes that empower clients to achieve confidence in their financial futures. They uncover how cutting-edge technology and adaptability redefine wealth strategies, even in a post-COVID world, while fostering enduring, multi-generational success. Tune in and discover how a client-first, innovation-driven approach transforms financial advisory into a tool for lasting impact! Key topics discussed include: Building aligned relationships through the Fit Process Enhancing client experiences with high-tech onboarding strategies Using the Sounding Board Service for proactive financial guidance Simplifying complexities with the Value-Added Support Team (VAST) Unlocking exclusive private market opportunities with alternative investments Adapting virtual engagement tools for seamless client support Creating long-lasting multi-generational financial plans And much more! Resources: Educational videos (bottom of the page) How to Protect Your Loved Ones: Special Needs Trusts Explained with April Rosenberry (Ep. 60) The World of International Parental Abduction with Fahi Takesh Hallin (Ep. 57) 42 Things We Do for You Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Mike “Cy” Cajthaml Jr.: LinkedIn: Mike “Cy” Cajthaml Jr. LinkedIn: Pareto Systems Pareto Systems About Our Guest: Mike “Cy” Cajthaml Jr. has enjoyed a 14-year career in the financial services industry. Mike is a passionate and energetic leader who enjoys developing business refinement and practice management strategies and thrives on helping his clients achieve their goals. He got his start in the industry at a large insurance marketing organization, where he consulted financial advisors across the country on product and marketing solutions for their businesses. During his time with this firm, he was introduced to Pareto Systems and began learning about the Pareto Process. After six years of coaching and consulting advisers, Mike decided to become a financial advisor himself and built a practice with his father in Overland Park, KS. Together, they managed millions of dollars of assets and utilized various insurance-based products. Mike knew the value of creating professional contrast in an incredibly competitive marketplace and began implementing many of Pareto’s processes.

As financial markets grow more complex, the difference between a good trade and a great one lies in precision, relationships, and cutting-edge tools. Robert Curtiss welcomes Vince Reyes, Director of Trading Operations, and Tony Nguyen, Senior Trader at SEIA, to uncover the meticulous strategies behind SEIA’s trading desk. Together, they break down how high-touch execution, trusted dealer relationships, and advanced tools drive superior client outcomes—even in volatile or illiquid markets. So, tune in as they explore SEIA’s finely tuned trading operation, revealing how their client-first approach ensures precision and performance in every trade while adapting to an ever-changing financial landscape! Key topics discussed include: Mastering high-touch trading for precision in large or illiquid orders Leveraging relationships with bond dealers to obtain better execution for fixed-income trades Using advanced tools like RFQ to achieve competitive pricing on ETF block trades Implementing robust compliance systems, including quarterly best execution reviews and real-time trade monitoring Delivering a “white-glove” client experience through tailored, relationship-driven strategies Insights into evolving client needs, including increasing demand for sophisticated strategies like options trading And much more! Resources: Educational videos (bottom of the page) Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA Connect with Vince Reyes: LinkedIn: Vince Reyes SEIA: Vincent Reyes, CMFC®, Director of Trading Operations Connect with Tony Nguyen: LinkedIn: Tony Nguyen SEIA: Tony Nguyen, CMFC®, Senior Trader About Our Guests: Vincent Reyes, CMFC®, is the Director of Trading Operations at SEIA. Since joining SEIA in 2007, Vincent has overseen and managed all trading operations in the Century City, Pasadena, Newport Beach, Redondo Beach, and Virginia offices. Vincent previously worked as a NASDAQ Market Maker and Proprietary Trader at two major brokerage firms from 1993 to 2007. He has handled many institutional clients, including hedge funds, pensions, and mutual funds. He has also worked directly with specialists and floor brokers on the New York Stock Exchange (NYSE), Chicago Board of Exchange (options), and other regional exchanges. Vincent is a Bloomberg Certified user and is well-versed in using many electronic trading systems. Tony Nguyen is the Senior Trader in the SEIA Trading Department. Tony works closely with the firm’s financial advisors and portfolio managers to provide efficient trade executions in fixed-income securities. Before joining SEIA, Tony was a trader for Banc of America Securities on the institutional fixed-income desk serving the Los Angeles and San Diego regions. His clients included Fortune 500 companies, municipalities, and insurance companies.

Private markets are no longer just for the financial elite—they’re now within reach of individual investors. But how do you make the most of this opportunity without missing out on serious growth? This week on The Millionaire Next Door, Bob Long, CEO of StepStone Private Wealth, explains how innovative structures like evergreen funds are making it easier to access private equity, credit, real estate, and infrastructure. With features like seamless entry, daily asset valuation, and simplified tax reporting, these investments are transforming how investors build their portfolios. Find out why diversifying into private markets is more important than ever as public company listings decline while learning how these investments could fuel growth, offer stable income, and protect against inflation. Key topics discussed include: The growing accessibility of private market investments for individual investors Understanding the distinctions among private equity, credit, real estate, and infrastructure Benefits of StepStone’s evergreen funds for seamless investing Global trends shaping private infrastructure investments Key considerations for accredited investors, including liquidity and advisory collaboration Reasons having a financial advisor in your corner can make all the difference And much more! Resources: Educational videos (bottom of the page) “The Wisdom of the Bullfrog: Leadership Made Simple (But Not Easy)” by Admiral William H. McRaven “Think Again: The Power of Knowing What You Don’t Know” by Adam Grant Connect with Bob Long: LinkedIn: Bob Long StepStone Group Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Bob Long is the CEO of StepStone Private Wealth. Bob has three decades of experience in the private markets and has led investment teams for global firms in both the general partner and limited partner roles. He has served as the CEO of two publicly traded companies focused on expanding private market access for high-net-worth investors. Prior to joining StepStone, Bob was the CEO of OHA Investment Corporation, a publicly traded specialty finance company. Previously, he co-founded Conversus Capital, the largest publicly traded fund of third-party private equity funds with $3 billion of AUM, and served as its CEO. Previously, Bob led Bank of America’s $7 billion strategic capital division. Early in his career, Bob served as the lead in-house counsel for a large portion of Bank of America’s Investment Banking Division and worked as a securities lawyer for a major law firm.

As the 2026 estate tax law changes inch closer, the risk of costly financial missteps is rising for those who don’t plan ahead. Failing to act now could mean losing millions in taxes. Robert Curtiss welcomes back April Rosenberry, Director of Estate, Tax, and Financial Planning, to offer valuable insights into the upcoming tax exemptions and what they really mean for estate owners. Together, they examine why proactive estate planning is more critical than ever—especially for families with special needs beneficiaries. Tune in as they also explore SEIA’s unique, holistic approach, revealing how a collaborative strategy can bring peace of mind in the face of an ever-changing financial landscape. Key topics discussed include: How 2026’s estate tax law changes will reduce exemptions and why early planning is critical The role of special needs trusts when it comes to protecting beneficiaries without losing access to government aid SEIA’s commitment to working with legal professionals to provide tailored, stress-free estate planning Why flexible trust language is vital for adapting to changing family circumstances How a proactive, all-inclusive approach can secure your family’s long-term financial stability And much more! Resources: Educational videos (bottom of the page) Safeguard Your Wealth: Unraveling the Complexities of Estate Planning with April Rosenberry (Ep. 46) Rainman Connect with April Rosenberry: LinkedIn: April C. Rosenberry, JD, LL.M. in Taxation Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: April Rosenberry has been a tax attorney for over 25 years. With Bar licenses in California and New York, April specializes in estate planning, company structuring, and litigation. She has represented banks and corporations in court, earning recognition and numerous awards. April excels in developing departments for companies, expanding client offerings, and managing legal teams in law firms, financial institutions, and wealth advisory firms. She earned her Bachelor of Science in Business Administration from CSUN in 1995, a Juris Doctor from California Western School of Law in 1998, and a Master of Laws in Taxation from USD School of Law in 1999. Recognized in Modern Luxury magazine, April has received a Trifecta Award and is designated a Five Star Professional. She contributes to scholarly articles for the American Bar Association and the ACFLS Journal, in addition to speaking engagements and pro bono work for Wills for Heroes. A member of various associations, she enjoys yoga, performing arts, and traveling with her family.

Have you ever found yourself saying, “I’m not a runner” or “I can’t”? We’ve all been there. But this episode of The Millionaire Next Door is about identifying these limiting beliefs to ultimately embrace and enhance our lives! Tune in as Rob Curtiss explores these concepts with PJ Nestler from XPT Life. They unveil how holistic strategies can impact our financial and personal success while uncovering insights on financial planning, breaking mental barriers, and adopting a growth mindset for a more fulfilling life. Talking points include: How limiting beliefs can restrain our potential and ways to overcome them Leveraging a growth mindset to enhance resilience and perseverance in all areas of life Exploring the relationship between holistic health practices and overall performance Strategies for integrating these concepts into our financial planning and personal development journey And more! Resources: Educational videos (bottom of the page) “The Comfort Crisis” by Michael Easter “Atomic Habits” by James Clear Connect with PJ Nestler: LinkedIn: PJ Nestler YouTube: Coach PJ Nestler XPT Life Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: PJ Nestler enjoys solving complex problems, building systems for organizational leadership, and democratizing comprehensive methodologies from human performance into frameworks and tools to empower fitness professionals and consumers. In his current role as the Vice President of Performance at FitLab Inc., he is responsible for building education curriculums and translating the world’s best training systems from iconic athletes into authentic and exciting consumer experiences. PJ is a human performance specialist, international speaker, educator, and coach with extensive experience preparing the world’s top athletes for competition. During his 18+ years in the industry, he’s trained hundreds of athletes from the UFC, NFL, and NHL, along with dozens of other professional, Olympic, and collegiate sports. Over the last decade, PJ has evolved into education as a speaker and consultant in the areas of performance breathing, human performance, combat athlete preparation, mindset, and recovery working with US Military Special Operations groups, professional sports teams, and executives around the world.

A 50-basis-point rate cut has shaken up the market — so what does that mean for your investments? With 11-12 rate hikes since March 2020 and a rapidly evolving economic landscape, uncertainty looms. The key to staying ahead lies in understanding how different assets respond to these shifts. This week on The Millionaire Next Door, Rob Curtiss teams up with Miles Clark from Nasdaq Dorsey Wright to reveal the strategies and tools you need to navigate the current economic landscape with confidence. Key Highlights: The Impact of Rate Cuts: While rate cuts stimulate the economy, the effect varies across asset classes — fixed-income tends to benefit, while equities may face mixed outcomes depending on economic strength Technical Analysis & Relative Strength: Learn how Dorsey Wright’s point-and-figure charting can help you identify market leaders, much like selecting top athletes for a fantasy team Market Participation & Seasonality: The months of November and December are typically strong, and broadening market participation is a positive sign for 2024 Investment Discipline: A systematic, rules-based approach becomes essential during periods of uncertainty, particularly with an election on the horizon. Sticking to a disciplined strategy can help investors focus on long-term success, filtering out short-term noise And much more! Resources: Educational videos (bottom of the page) Unpacking Today’s Market Trends with Will Gibson (Ep. 52) Navigating the Ever-Changing Landscape of Market Trends with Will Gibson (Ep. 49) Process-Oriented Financial Insights For Long-term Success with Will Gibson (Ep. 47) Connect with Miles Clark: LinkedIn: Miles Clark Nasdaq Dorsey Wright Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Miles Clark is a recognized expert in technical research at Nasdaq Dorsey Wright, specializing in point-and-figure charting and relative strength analysis. His years of experience have helped investors navigate complex market dynamics with confidence, making him a trusted voice in the industry.

International parental abduction sounds like something reserved for Netflix documentaries. But unfortunately, it’s more common than you think. In this installment of The Millionaire Next Door, Rob Curtiss dives into the complex world of international parental abduction with family law expert Fahi Takesh Hallin, a partner at Harris Ginsburg LLP. Fahi shares knowledge and various real-life scenarios regarding this often-overlooked area, providing you with vital information on how to safeguard against child abduction and what to do if it occurs. Rob and Fahi discuss: The intricacies of the Hague International Abduction Convention and its role in resolving international child abduction cases Red flags that may signal a possible abduction and practical steps parents can take to prevent it The legal process for seeking the return of a child and the exceptions that might prevent their return Practical advice on drafting travel agreements and understanding the importance of timely legal actions And more! Resources: Educational videos (bottom of the page) Understanding the Hague Convention International Parental Abduction Travel.State.Gov U.S. Department of State Connect with Fahi Takesh Hallin: LinkedIn: Fahi Takesh Hallin [email protected] Phone: 310-444-6333 ext. 318 Harris Ginsburg LLP Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Fahi Takesh Hallin is a Partner at family law firm Harris Ginsberg LLP. She has focused on family law for nearly 30 years. Recognized as a Southern California Rising Star by Los Angeles Magazine from 2006 to 2009, she has been named a Super Lawyer annually since 2010. Fahi is a part of the International Academy of Family Lawyers and has extensive experience in international family law. She has lectured at Continuing Legal Education seminars, served as a Mediator for the Los Angeles Superior Court, and chaired the Family Law Section of the Santa Monica Bar Association in 2006. Fahi has been listed among the Best Lawyers in America since 2011 and was named one of the Top Women Attorneys in Southern California by Los Angeles Magazine in 2012, a title she continues to hold.

Many believe that once you no longer need or can afford your life insurance policy, your only option is to let it lapse or surrender it for its cash value. But there’s a better way – life settlements! This week on The Millionaire Next Door, Robert Curtiss sits down with Rob Haynie, the Managing Director of Life Insurance Settlements, Inc., to discuss the concept of life settlements and how they can provide a financial alternative for policyholders. Tune in and discover what a life settlement is, the key factors that influence its value, and how it could potentially turn your outdated policy into a blooming financial asset. Episode talking points include: The basics of what a life settlement is and how it applies to life insurance policies that are no longer needed or affordable How insurance policies are evaluated and what factors can influence their market value Real-life scenarios where clients benefited from choosing a life settlement over surrendering or lapsing their policies The evolving life settlement market and how new regulations and investor interest are shaping its future And more! Resources: Educational videos (bottom of the page) The Art of Understanding Fear with Kristen Ulmer (Ep. 54) Unlocking the Hidden Value of Your Life Insurance Podcast Connect with Rob Haynie: Life Insurance Settlements, Inc LinkedIn: Rob Haynie X (Twitter): Rob Haynie Instagram: Rob Haynie Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: For over 30 years, Rob Haynie has been a prominent figure in the life settlement industry, currently serving as the Owner and Managing Director of Life Insurance Settlements, Inc., a leading life settlement brokerage. He is also a member of Forbes Councils, a mentor at InsuranceWebX, and frequently speaks at global forums on life settlements. Rob’s mission is to assist individuals in understanding the value of their existing life insurance policies and to offer them a viable option to sell these policies for cash rather than surrendering or letting them lapse. He has been recognized as one of the 10 Most Influential People in Life Settlements by The Life Settlement Review and by his peers. Additionally, he serves on the board of directors and the public policy council of the Life Insurance Settlement Association, the trade organization for the life settlement industry. His extensive expertise encompasses retirement, financial planning, public speaking, social media networking, and insurance.

Private equity might sound complex, but it simply means investing in companies that aren’t listed on public stock exchanges. Are you ready to uncover the world of private equity and alternative investments? This week on The Millionaire Next Door, Robert Curtiss, CFP®, welcomes Phil Huber from Cliffwater to explore the fascinating world of private equity and alternative investments. Tune in as they cover the potential advantages of private investments while mentioning ways they can represent a valuable addition to a well-rounded portfolio, especially for those seeking a work-optional lifestyle. Rob and Phil discuss: The dynamics between public and private equity markets and why private equity is becoming increasingly attractive The evolution of Cliffwater and its commitment to providing accessible, diversified private debt and equity opportunities Some intricacies of alternative investments, including co-investments and secondary transactions Insights into how even the ‘millionaire next door’ can benefit from sophisticated investment strategies historically reserved for large institutions And more! Resources: Educational videos (bottom of the page) Is Private Lending the Future of Investments? with Phil Hasbrouck (Ep. 35) Connect with Phil Huber: LinkedIn: Phil Huber Cliffwater Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Prior to joining Cliffwater, Phil was the Chief Investment Officer for Savant Wealth Management. He earned a bachelor’s degree in finance from the Kelley School of Business at Indiana University. He is a CERTIFIED FINANCIAL PLANNER professional, has attained his Chartered Financial Analyst® (CFA®) designation, and is a member of the CFA Society of Chicago. Phil has been featured in a number of notable media outlets, including The Wall Street Journal, The New York Times, InvestmentNews, CityWire RIA Magazine, and Bloomberg TV. From 2018-2020, he was named one of Investopedia’s Top Financial Advisors. Phil was also named CIO of the Year by RIA Intel in 2023.

Think fear holds you back? Think again. The real obstacle isn’t fear itself but your relationship with it. Much like the Olympians who are gearing up for the 2024 Summer Olympic Games in Paris, Kristen Ulmer, a thought leader and former world-class extreme skier, has worked through her fair share of fear and anxiety leading up to big moments. This week on The Millionaire Next Door, Kristen and Rob Curtiss dive into mastering your relationship with fear. Get ready to gain valuable insights into how the principles she learned over her life and now teaches can provide a unique perspective on managing fear, overcoming obstacles, and entering a flow state to make smarter life and financial decisions. Rob and Kristen discuss: Kristen’s background in professional skiing and how it shaped her understanding of fear Understanding the different types of fear and how it presents itself The role of fear and anxiety in decision-making both in life and investments How to transform fear into a powerful ally rather than something to be conquered Tips on developing a healthy relationship with fear to enhance overall well-being And so much more! Resources: Educational videos (bottom of the page) “The Art of Fear” by Kristen Ulmer Connect with Kristen Ulmer: KristenUlmer.com Instagram: Kristen Ulmer Facebook: Kristen Ulmer LinkedIn: Kristen Ulmer Phone: (385) 355-4176 Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Kristen Ulmer is a thought leader, high-performance facilitator, and fear/anxiety expert who draws from her tenure as the Hall of Fame’s most ‘fearless’ woman extreme skier in the world for 12 years, from studying Zen for 15 years, and from facilitating over ten thousand clients on the subjects of fear, anxiety and achieving flow states. Her remarkable work has been featured in such media as NPR, The Wall Street Journal, Forbes, USA Today, Tim Ferriss’s Tribe of Mentors, The Robb Report, The Megyn Kelly Show, over 150 podcasts, and many more. Kristen is now also an author, having published her book, The Art of Fear: Why Conquering Fear Won’t Work and What to Do Instead, which radically challenges existing norms about what to do about this misunderstood emotion.

From discussing the world’s top countries by GDP to tips for elevating your morning routine, this week’s episode is all about what’s on the mind of your host, Rob Curtiss. In this installment of the Millionaire Next Door Podcast, Rob dives into a detailed analysis of the world’s largest economies by GDP, the intricacies of the U.S. Federal Reserve’s balance sheet expansion, and pressing concerns surrounding the future of Social Security. So, follow along to hear about Rob’s recent outreach to clients and how he plans to build upon those relationships. (Remember to stick around to also learn more about his daily routine!) Episode highlights include: The top 10 global economies by GDP and their growth rates The Federal Reserve’s balance sheet and its historical expansion The solvency projections and challenges facing Social Security Rob’s experience in working with and getting to know different clients Rob’s morning routine and tips on adopting a balanced routine for personal well-being and professional effectiveness And more! Resources: Educational videos (bottom of the page) First Trust LinkedIn: Andy Galpin LinkedIn: Andrew Huberman LinkedIn: Matthew Walker LinkedIn: Richard Bernstein Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA

Research indicates that markets have risen approximately 75% of the time during election years since 1928. So, what does this mean for your investing efforts today? Join Robert Curtiss as he welcomes back Will Gibson, senior analyst with Nasdaq Dorsey Wright, to dive into today’s investment market, the impact of election cycles, and the importance of objective investing. Tune in and hear real-life stories and data to help guide you through these times! Rob and Will discuss: May market performance The concentration of market gains among mega-cap stocks The anticipated effects of the upcoming election on market volatility The importance of objective, rules-based investing (and why it’s wise to avoid emotional decision-making) And more! Resources: Educational videos (bottom of the page) Essential Steps in Estate Planning with Roger Silk (Ep. 51) Navigating the Ever-Changing Landscape of Market Trends with Will Gibson (Ep. 49) Process-Oriented Financial Insights For Long-term Success with Will Gibson (Ep. 47) NASDAQ Composite Index Connect with Will Gibson: LinkedIn: Will Gibson Nasdaq Dorsey Wright Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Will Gibson, CFA, currently works as a Senior Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative capital market strategies to Wall Street and professional money managers globally. He joined the team as an intern in 2018 and now produces macro technical research for the firm’s clients and Daily Market Report. Other involvements include indicator testing, adaptive modeling, and furthering the firm’s media/educational efforts.

Did you know that more than two-thirds of adult Americans have yet to implement any form of estate planning? Even high-profile figures like Prince and Pablo Picasso faced chaotic and costly consequences because they lacked a proper plan. Join Rob Curtiss alongside Roger Silk, CEO of Sterling Foundation Management LLC, for a deep dive into the essentials of estate planning. Get ready to learn how to set up a secure and impactful legacy, understand the implications of the upcoming 2025 sunset of the Tax Cuts and Jobs Act of 2017, and explore strategies to mitigate taxes and avoid probate, all while ensuring your wishes are honored. Rob and Roger discuss: The value of having a well-structured estate plan to avoid unnecessary legal battles and high taxes Real-life stories of high-profile individuals who faced estate planning disasters Insights into the 2025 sunset of the Tax Cuts and Jobs Act of 2017 and its potential impact on estate and gift taxes Strategies for managing and diversifying highly appreciated assets to minimize tax liabilities And more! Resources: Educational videos (bottom of the page) Let’s Communicate Before We’re Gone with Pat Miles Zimmerman (Ep. 31) From Denial to Deliberate: Planning for Life’s Final Moments with Pat Miles Zimmerman (Ep. 42) Safeguard Your Wealth: Unraveling the Complexities of Estate Planning with April Rosenberry (Ep. 46) “Managing Foundations and Charitable Trusts” by Roger D. Silk and James W. Lintott “The Investor’s Dilemma Decoded” by Roger D. Silk and Katherine A. Silk “Politicians Spend, We Pay” by Roger D. Silk “Creating a Private Foundation” by Roger D. Silk, James W. Lintott, Andrew R. Stephens, and Christine M. Silk Connect with Roger Silk: Sterling Foundation Management LinkedIn: Roger Silk 703 437-9720 Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Roger Silk, Ph.D., is the CEO of Sterling Foundation Management, LLC, and President of Lifetime Perspectives, Inc. Roger is widely recognized as a leading expert and innovator in the emerging field at the intersection of finance and philanthropy. Roger has more than three decades of experience working with and advising wealthy clients, high-net-worth families, and the advisors who work with them on a variety of issues ranging from the use of private foundations to the integration of sophisticated charitable planning into multi-generational estate plans. He has worked with numerous investment, accounting, financial planning, and legal professionals to educate them, their firms, and their clients about the benefits and characteristics of a full suite of solutions, entities, and planning tools.

Did you know that 78% of people in assisted living still feel lonely despite the communal environment? This underscores the importance of not only financial planning but also emotional and social planning as we age. Join Rob Crutiss as he welcomes Mary Winners, founder of About Senior Solutions, to discuss the complexities of aging and the importance of comprehensive planning for diminished capacity, whether physical or mental. Get ready to hear practical advice and real-life anecdotes to learn how you can prepare for the future and strive for a brighter outcome for yourself and your loved ones. Rob and Mary talk about: The significance of proactive planning to avoid crises as you age Physical and mental challenges of the elderly, such as Alzheimer’s and dementia Insights into developing a personalized care plan that acknowledges your wishes The role of technology and community in supporting aging individuals The costs and common struggles associated with caring for the elderly And more! Resources: Educational videos (bottom of the page) Measuring Longevity Risk: Here’s What You Need To Know About SEIA’s Wealth GPS with Julia Fahlen (Ep. 28) Caregiver’s Guide to Understanding Dementia Behaviors Positive Approach® to Care Training Understanding and supporting a person with dementia – Alzheimer’s Society Connect with Mary Winners: About Senior Solutions LinkedIn: Mary Winners Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Mary Winners has over a decade of experience in healthcare. While physicians and nurses provide medical recommendations, Mary understands the other side of health care-the confusing maze of healthcare options and unknowns. She has extensive knowledge in acute care hospitalization, Gero-psychiatric issues, Alzheimer’s and dementia care, hospice, assisted living, and other senior care options. As a noted speaker and adviser, Mary has provided expert services to a wide variety of seniors in every economic category. Her ability to accurately pinpoint and guide families as they deal with emotionally life-changing events gives Mary unparalleled insights. In 2023, Mary was appointed Commissioner for Older Adults by The Los Angeles County Board of Supervisors.

In a time when economic textbooks preach the inevitability of risk in pursuit of reward, the current state of the financial markets tells a different story. Follow along as Rob Curtiss sits down with returning guest Will Gibson, chartered financial analyst (CFA) and research analyst at Nasdaq Dorsey Wright, for an insightful conversation on the fascinating state of the financial markets. From the subtle trends shaping the future of investing to the compelling force of interest rates and commodities, Will brings a wealth of knowledge and clarity to the complex world of finance. Listen in as they explore the critical elements affecting your investments and how you can navigate these shifting tides with a better understanding. Episode talking points include: Rising interest rates and their implications for investors and the broader economic outlook The current state and potential future of US equities, including the impact of recent pullbacks Popular commodities in the market, what’s driving their momentum, and ways they could impact your investment strategy Investors’ behavior and market speculation, drawing parallels from historical records to today’s market dynamics And more! Resources: Educational videos (bottom of the page) “The Pitfalls of Speculation” by Thomas Gibson “Confusion de Confusiones” by Josef De La Vega Process-Oriented Financial Insights For Long-term Success with Will Gibson (Ep. 47) Huberman Lab Podcast Connect with Will Gibson: LinkedIn: Will Gibson Nasdaq Dorsey Wright Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Will Gibson, CFA, currently works as a Senior Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative capital market strategies to Wall Street and professional money managers globally. He joined the team as an intern in 2018 and now produces macro technical research for the firm’s clients and Daily Market Report. Other involvements include indicator testing, adaptive modeling, and furthering the firm’s media/educational efforts.

Have you ever thought about how financial history can impact your investment decisions? This week on The Millionaire Next Door, Robert Curtiss speaks with Mark Higgins, CFA, CFP®, and author of “Investing in U.S. Financial History: Understanding the Past to Forecast the Future.” Mark delves into his journey of researching and writing about US financial history and the significance of understanding the past to make informed decisions in the present financial environment. So, tune in as Rob and Mark offer valuable perspectives for investors and financial professionals alike. Rob and Mark discuss: The journey behind Mark’s book The value of understanding financial history Past financial crises and how they relate to current economic challenges The evolution of market efficiency The resilience of the United States economy And more! Resources: Educational videos (bottom of the page) “Investing in U.S. Financial History: Understanding the Past to Forecast the Future” by Mark Higgins Connect with Mark Higgins: LinkedIn: Mark Higgins EnlightenedInvestor.com Mark’s Blog Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Mark J. Higgins, CFA, CFP, is an author, financial historian, and frequent contributor to Enterprising Investor. His work draws from his upcoming book, Investing in U.S. Financial History. Before writing Investing in U.S. Financial History, Mark served as a senior investment consultant for more than 12 years. In this role, he advised the trustees of large pension plans, foundations, endowments, and insurance reserves that had aggregate assets of more than $60 billion. As a consultant, he discovered that understanding financial history proved much more valuable than tracking the latest economic data.

Do you need help to make sense of all the financial noise in the market? Cut through the noise and learn tips and tricks to make informed investment decisions with clarity and confidence by playing this week’s episode of The Millionaire Next Door. Listen as Will Gibson, chartered financial analyst (CFA) and research analyst at Nasdaq Dorsey Wright, joins host Robert Curtiss to navigate the world of technical analysis and trend-following strategies in investment management. This episode offers valuable insights into leveraging data-driven decision-making and sticking to a systematic process to navigate market complexities effectively. Rob and Will discuss: The value of following disciplined and systematic processes in financial planning Point figure charting for objective buy and sell signals Leveraging technical analysis to eliminate market noise Challenges of emotional decision-making and market timing Compounding and timing wealth management And more! Resources: Educational videos (bottom of the page) Connect with Will Gibson: LinkedIn: Will Gibson Nasdaq Dorsey Wright Connect with Robert Curtiss: [email protected] (626) 795-2944 About Robert Curtiss LinkedIn: Robert Curtiss Facebook: Robert Curtiss SEIA LinkedIn: SEIA About Our Guest: Will Gibson, CFA, currently works as a Research Analyst for Nasdaq Dorsey Wright (DWA), a boutique investment advisory and asset management division of Nasdaq focused on providing quantitative capital market strategies to Wall Street and professional money managers globally. He joined the team as an intern in 2018 and now produces macro technical research for the firm’s clients and Daily Market Report. Other involvements include indicator testing, adaptive modeling, and furthering the firm’s media/educational efforts.