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If you are planning for, or living in, retirement…this is the show for you. The success of your retirement may depend on how well you planned for the "big picture" and connected the dots of your legal, tax, and financial plan. In this show, we’ll dig beneath the surface and discuss how you should apply this planning with your hosts- attorney John Ross and financial planner Devin Carroll.
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Biotech—it's complicated. A successful product launch requires grit, determination, and clear direction. But let’s be real, the path to launch isn’t a straight one. There are curves, hard turns, and dead ends. Here’s the good news, you don’t have to navigate the complexities alone. Welcome to The Emerging Biotech Leader, where we help biotech leaders maximize the value of their therapeutics from clinical development to product launch.
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USAWC professors and esteemed guests discuss topics ranging from military strategy to geopolitical issues. The US Army War College Press produces “Decisive Point” as a companion series to the quarterly journal Parameters. In “SSI Live,” professors discuss wide-ranging military topics. Conversations on Strategy sheds light on topics relevant to contemporary strategy and Landpower issues.
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ENEPT. Podcast with Thabo Tshuma
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ENEPT. Podcast with Thabo Tshuma
ENEPT. Podcast with Thabo Tshuma
ENEPT. Podcast with Thabo Tshuma. It's no-holds-barred and always unfiltered and honest. Get bonus content on Patreon Support this show http://supporter.acast.com/enept-podcast. Hosted on Acast. See acast.com/privacy for more information.
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Ace Plus Tax Resolution - Get Ace on Your Tax Case!
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Ace Plus Tax Resolution - Get Ace on Your Tax Case!
Ace Plus Tax Resolution
We have more than 30 years of experience helping individuals and businesses who owe taxes to the IRS/State through personalized solutions. We serve to PROTECT their income and assets from the IRS. We resolve taxpayers' tax problems, wage/bank levy, as well as tax liens on your house. We negotiate with the IRS to substantially reduce the tax amount owed if you qualify. Everybody deserves an opportunity to start over and get their happy life back. We will help you get your life back, free from ...
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The Emerging Biotech Leader
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Pioneering In The Emerging Field Of Digital Therapeutics - Scott Xiao : 17
32:39
32:39
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“I won't say that we had this all planned out because when I started, it was just a crazy idea that we were excited about, but it ended up working out really well where we're trying to create a new class of medicine with digital therapeutics or with prescription digital therapeutics.” Scott Xiao, Co-Founder and CEO, Luminopia. What’s possible when …
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Devin shares a personal story of how technology and a professional's inability to interpret the output of that technology led to financial and psychological consequences. The experience was as eye-opening as it was terrifying and taught Devin a valuable lesson about the importance of second opinions and the limitations of relying solely on technolo…
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Big Picture Retirement
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4 Things Singles Should Know About Filing for Social Security
27:38
27:38
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27:38
Navigating the Social Security filing process as a single individual can be a daunting task. The considerations you need to make differ from those of married couples. In this episode, we aim to simplify this process and provide you with the essential information you need before filing for Social Security. Reasources mentioned in this episode: SSI B…
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Big Picture Retirement
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Direct Indexing: Revolutionizing Investment Strategies or Just Hype?
26:28
26:28
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26:28
In this week's episode of the Big Picture Retirement podcast, we dive deep into the world of Direct Indexing. As a fairly new approach in the investment ecosystem, it promises tailored portfolio customization and potentential tax optimization. But are these benefits worth the potential pitfalls and complexities? Today Devin is joined by Alec and Al…
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The Emerging Biotech Leader
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How To Juggle Priorities As A CMO - Hootan Khatami : 16
22:36
22:36
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“You may not have the resources as a CMO, especially with smaller biotech companies, but you have to be resourceful.” Ramin Farhood, Senior Vice President, SSI Strategy Every guest on the Emerging Biotech Leader builds on the insights from our previous contributors while also adding their own unique best practices, analogies and experience. In that…
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Big Picture Retirement
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The Optimal Retirement Withdrawal Strategy
21:51
21:51
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The sequence that you use to withdraw your money in retirement can make a massive difference in the amount of taxes you pay AND how long your money lasts. In today's episode, we're talking about an alternate way to think about taking withdrawals that very few people are talking about. If you’re thinking about retiring, or you’ve just retired, you’r…
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Roth conversions have become a trending topic, and for good reason. After paying taxes throughout one's life, it's desirable to strategically reduce taxes during retirement, if feasible. Nevertheless, the viability of a Roth conversion depends on individual circumstances, and after reviewing hundreds of Roth conversion plans, we've observed three p…
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Big Picture Retirement
1
How Divorce Attorneys Miss the Big Picture
28:59
28:59
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28:59
While divorce may mark the end of a marriage, it is also a critical juncture in a person's financial and estate planning, as it can significantly impact their future wealth, retirement, and inheritance. In this context, divorce attorneys who fail to consider the bigger picture of estate and financial planning may unwittingly leave their clients vul…
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The Emerging Biotech Leader
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Navigating The CMO Role - Chris Morabito : 15
44:32
44:32
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“The expansions of your expertise and your external network are two key fundamental things that one should be focusing on as you think about developing your career towards a CMO pathway.” Dr. Christopher Morabito, Astria Therapeutics. Welcome to this week’s Emerging Biotech Leader recap. In our previous Episodes, we touched on the topic of careers …
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Saving for retirement is a lifelong process that unfolds through various stages. While the steps may differ based on individual circumstances, a general framework can be outlined. Each stage requires a different approach to ensure a secure and comfortable retirement. If you’re thinking "I love the Big Picture Retirement podcast” please consider rat…
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The Emerging Biotech Leader
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Medical Affairs Should Start Long Before Product Launch : 14
30:07
30:07
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In Medical Affairs, timing is everything. If we had to summarize this next Episode of the Emerging Biotech Leader in one sentence, it would be “a deeper dive on both the impact and importance of Medical Affairs,” inspired by our interview with Rachel Couchenour in Episode 13. But that single sentence alone wouldn’t convey the robust takeaways and m…
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The Emerging Biotech Leader
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Making A Mark In Medical Affairs - Rachel Couchenour : 13
39:29
39:29
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“I've found that it's usually not the ‘what’ or the ‘how’ that will get me where I need to go with a Senior leader. It's the why. They want to understand the why behind it.” Rachel Couchenour, VP, Global Medical Affairs, Travere Therapeutics. Working cross-functionally. Some would call it a skill. Others would say it’s a talent. For our guest on Ep…
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Big Picture Retirement
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Reverse Mortgages- Understanding the Pros and Cons
40:53
40:53
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"Is a reverse mortgage a good idea? It could be but there are certainly some pros and cons to think about before signing those papers. In today's episode, we break down what you should know." If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing this show! This helps me support more people -- just like …
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The Emerging Biotech Leader
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Innovate Faster With A Digital-Led Biotech Strategy - Bonus Episode
30:36
30:36
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“The good news and the bad news are the same news.” Rik Reppe, VP Digital, Acquis Consulting Group We are excited to announce a new service, Digital-Led Biotech Strategy, in partnership with Acquis Cortico-X. Through this service, our clients will get access to medical, business, and digital experts to maximize theraputic value through a digital-le…
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The calculation the IRS uses to determine how you pay taxes on retirement income creates a danger zone where taxes can be SIGNIFICANTLY amplified. If you fall into this danger zone, you could pay a MUCH higher tax rate on your retirement income.
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The big news lately has been about bank failures. Since the banking industry is closely tied to the investment business, this has raised the question, “Are my investments safe? What happens if my brokerage company or asset custodian goes out of business?" In today's episode we'll dive in and tell you what is, and what is not, covered. If you’re thi…
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For those with a pension, the retirement planning decision is not as cut-and-dried as it seems on the surface. Should you take a lump sum, should you wait about taking it, and what are the rules specific to your pension plan? In today’s episode we’re joined by Jeremy Keil from the Retirement Revealed podcast to discuss some of the most important po…
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Every year, the "Dirty Dozen" list is compiled to warn taxpayers of common scams that they may encounter at any time. However, many of these fraudulent schemes tend to increase during the tax filing season when individuals are preparing their tax returns or seeking professional assistance. It is crucial to remain vigilant and avoid falling victim t…
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For many people, the thought of retirement brings up images of relaxation and happiness. However, retiring can also be a time of great challenge. In this episode, we'll discuss the four major challenges that retirees face and provide actionable tips for overcoming them. If you’re thinking, "I love the Big Picture Retirement podcast” please consider…
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The Emerging Biotech Leader
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What Does Authentic Leadership Look Like In Action? - Doug Locke : 12
19:40
19:40
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19:40
“The best leaders that I've seen are the ones that realize that it’s always “go, go, go,” and they need to move fast. But they still consciously take time to think, to pause a little bit and have a more of a multi-dimensional view of what's happening, as opposed to always being at a fast pace, moving forward and getting things done.” Ramin Farhood,…
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Big Picture Retirement
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Can ChatGPT Replace Your Lawyer (or other professional advisor)?
36:16
36:16
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In this episode, we explore the rapidly evolving field of AI and its potential impact on the world of professional advising. Can a machine like ChatGPT truly replace the expertise and personal touch of a human advisor? Today we put AI to the test. If you’re thinking "I love the Big Picture Retirement podcast” please consider rating and reviewing th…
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Big Picture Retirement
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Listener Voicemails - Answering More Social Security Questions
26:55
26:55
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Answering listener questions is becoming our favorite episode to record. Today we go back to the voicemail to answer several questions on Social Security. Want to ask Devin or John your question? Just visit https://www.bigpictureretirement.com/ and look for the tab on the right side that says “Send A Voicemail.” Although this show does not provide …
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The Emerging Biotech Leader
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Leading & Succeeding: What It Takes To Build A Biotech - Ilan Ganot : 11
46:25
46:25
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“I don't know any other leader that's had that type of prior steps in their careers. It almost feels like you need pieces of all those things to actually be a leader, you know, soldier, lawyer, investment banker. I'm sure they all came in handy.” Doug Locke, SSI CEO. Some biotechs are created from research and academia. Others are born from firstha…
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Finding the right tax advisor can be a frustrating experience. Today, we talk to Steven Jarvis, CPA about the steps you should take when looking for a new advisor to help you with taxes. Steven is the owner of Retirement Tax Services and aims to bridge the gap between tax professionals, financial advisors, and their mutual clients to help reduce mo…
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Big Picture Retirement
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Listener Voicemails - Answering (mostly) Social Security Questions
27:47
27:47
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27:47
Today we go to the voicemail and answer some of our listeners questions. If you want to leave ask a question, visit https://www.bigpictureretirement.com/ and look for the tab on the right-hand side that says, "Send A Voicemail." Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their …
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The Emerging Biotech Leader
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What is the future of digital medicine? - Jen Seda : 10
24:12
24:12
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24:12
“Digital impacts our lives all the time in every way, including in medicine.” Jen Seda, M.D. The day of digital medicine is here. And while software and digital apps can be created rapidly, historically, the healthcare ecosystem has implemented change at a much slower pace. This contrasting combination, or tension as today’s episode describes it, p…
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For the second time in three years, a new law has changed many of the rules about retirement planning. In today's episode, we'll dive into the headline items of this new law and then talk about some of the important pieces that aren't making the news. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin…
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ENEPT. Podcast with Thabo Tshuma
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"Sniping with a 0.38 snub-nose" feat. Chris Pucillo and Tyronne King
1:26:56
1:26:56
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First one of 2023!! On this episode (recorded in 2022) we sit down with the masterminds behind Port City Comedy, Tyronne King and Chris Pucillo. We talk comedy blues, going to the movies and their attempt to book Louis CK when he came to Perth. There has been a lot of changes over the break as well as a huge announcement later on in the week so sta…
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The Emerging Biotech Leader
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Shaping the future of early diagnosis with digital medicine - Dr. Sharief Taraman : 9
44:53
44:53
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44:53
As everyday consumers, we interact with AI (Artificial Intelligence) daily. Whether unlocking the home screen of our phones via facial recognition, using voice commands to send a text, or interacting with a chat tool when shopping online, AI adoption is continuous. But what is the role of AI in today’s healthcare? And how will AI impact medicine an…
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Big Picture Retirement
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Social Security at 62: Why Filing Ages are Changing
21:39
21:39
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For a long time, 62 was the most popular age to file for Social Security benefits. But in the past several years, data has shown that it has become a less common age to file. There are three main reasons for this and in today's episode we'll dive in and tell you what you need to know. Although this show does not provide specific tax, legal, or fina…
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Big Picture Retirement
1
Legal vs. Insurable Title (How to avoid screwing up your real estate)
33:49
33:49
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33:49
The value of a title policy, when it's needed, cannot be understated. There are some missteps that lead to not being able to get this insurance. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. Contact Devin’s team at https://www.carrolladvisory.com/ Contact J…
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Big Picture Retirement
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Managing Tax Loss (AND GAIN) Harvesting with Andy Panko
33:24
33:24
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Managing taxes in retirement may have a greater impact than any other single cost-saving measure you take. Today, we're joined by Andy Panko for a deeper dive into tax loss harvesting, and one that doesn't get a lot of attention...tax GAIN harvesting. Visit Andy's firm Tenon Financial at https://tenonfinancial.com/ Visit Andy's Facebook group Taxes…
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The Emerging Biotech Leader
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The Intersection of Data Science and Life Sciences : 8
25:39
25:39
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Digital biomarkers have opened up a series of questions worth contemplating as both newer and more mature biotechs evaluate the following: Are we measuring things correctly? What's inefficient about our clinical development process? What should we be thinking about to innovate for the future? And how do we democratize access to clinical trials and …
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Big Picture Retirement
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Listener Q&A: Inherited HSA, TOD Real Estate, Social Security spousal benefits, and LLC questions
36:54
36:54
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36:54
Today's episode is all about answering our listener's questions. Join the thousands who have already joined Devin's online workshop, How To Choose the RIGHT Time to File for Social Security. Get registered here https://www.devincarroll.com/SSessentialsonlineworkshop Contact Devin’s team at https://www.carrolladvisory.com/ Contact John’s team at htt…
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ENEPT. Podcast with Thabo Tshuma
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"Bad Nice Guy Etiquette" Feat. Nikki Valentine & Tay Robertshaw
58:36
58:36
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This week we have two of our regulars to sit down and join us for another wild episode! We talk going out for just 2 drinks, Rosemount antics, Tay's drunk roasting confidence, Nikki getting a poem from a "nice" dude, cute aggression, dating someone funnier than you, and much more! Get bonus content on Patreon Support this show http://supporter.acas…
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If you’re a real estate investor, you need to understand the 1031 exchange. This IRS rule allows for the chance to reinvest the profits from the sale of a property without having to pay capital gains tax. As long as you replace one investment property with another (and follow all the rules), you can kick that tax bill down the road. In today's epis…
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The Emerging Biotech Leader
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Using digital biomarkers for faster, cheaper clinical trials - Chris Benko : 7
41:59
41:59
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41:59
Biomarkers themselves have been a part of medical research for decades. However, digital biomarkers have become increasingly important to the modern clinical development process. While the term “digital biomarker” is prevalent in discussions around investment, clinical trials, and measuring patient outcomes, a variety of questions surrounding digit…
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ENEPT. Podcast with Thabo Tshuma
1
"Bum Strategies" Feat. Maanas Tiwari
1:07:59
1:07:59
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The one and only Maanas is back! On this very special episode we talk difficulties living in Japan, drunk racism, making friends with Google Lens, watching Anime with no English subtitles, UFC commentary with couch potatoes, beating football fans at FIFA and much more! Get bonus content on Patreon Support this show http://supporter.acast.com/enept-…
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Big Picture Retirement
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Does Social Security Have An Inflation Donut Hole?
8:59
8:59
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With all the attention given to the latest Social Security COLA, we’ve been getting lots of questions. Among the questions is about the alleged "donut hole" for Social Security inflation adjustments for individuals 60 and 61 years of age. Some in this cohort are upset that they may be missing out on significant benefits increases during this high i…
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ENEPT. Podcast with Thabo Tshuma
1
"I lost the jockstrap!" Feat. Roz Evans
1:12:06
1:12:06
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1:12:06
On this episode we are joined with a very good friend of ours and comic Roz Evans. We talk to Roz about being newly single, showering after shitting, telling a girl she smells down there, catching a yeast infection after training, the troubles of stand up and much more! Get bonus content on Patreon Support this show http://supporter.acast.com/enept…
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ENEPT. Podcast with Thabo Tshuma
1
"Kebab 1st, Family 2nd" Feat. Saadi Challaby
1:06:22
1:06:22
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1:06:22
On this episode we talk escaping Iraq in 2001, Life in Nauru (Detention Centre), learning English in Primary School, the complicated situation with Saddam, what the term Luso-Australian means, where to get real kebabs and much more! FOLLOW and SHARE @saadi_challaby Hammad Chaundry "Comedy and Live Debates" https://www.diskoshaman.tv/ Get bonus cont…
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Do annuities deserve the bad publicity they receive? Today we'll do a crash course on the different types of annuities and talk about when one may be right for you. Although this show does not provide specific tax, legal, or financial advice, you can engage Devin or John through their individual firms. Contact Devin’s team at https://www.carrolladv…
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The Emerging Biotech Leader
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Team Agility De-Risks Scientific Innovation : 6
28:59
28:59
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28:59
What does it take to launch a new class of medicine? When launching a new therapeutic, many unknowns exist, but some principles remain constant. By looking to past experiences and staying lean, emerging biotechs can derisk their organizations while hitting milestones by taking an agile team-building approach. Today’s guest is Adriana Valenciano, Se…
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On this episode we dive into happy hecklers at shows, falling asleep on dates, having too much fun on dates, being gangsta with limp d*ck, getting hard on a bus and much more! Get bonus content on Patreon Support this show http://supporter.acast.com/enept-podcast. Hosted on Acast. See acast.com/privacy for more information.…
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Big Picture Retirement
1
Encore: The 5 Types of Trusts (and when they are used)
47:49
47:49
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A trust is a legal entity, just like a corporation or an individual person. All trusts will have an exchange of property and three categories of people: the people who create it, called the grantors, or the settlers, or the trust-makers the people in charge of the trust, usually called the trustees the beneficiaries: the people who get the benefit …
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ENEPT. Podcast with Thabo Tshuma
1
"Positively Delectable!" Feat. Tori Griffiths
1:04:27
1:04:27
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Very special guest and very good friend of ours, we talk about Tori's car accident on the way to the studio, the pass to use slurs, Gangbangin in Kalamunda, Eshays in Late Night Shopping Centres, fighting back in school days, roasting gone bad, eating pies in interviews and much more! Get bonus content on Patreon Support this show http://supporter.…
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Big Picture Retirement
1
How A Bear Market Can Maximize Your Retirement
30:00
30:00
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30:00
For those who are retired, or getting close to being retired, a bear market is an anxious time. In today's episode, we talk about how you can PROFIT from a declining market and set up the rest of your retirement to reap the rewards of making the right moves while the opportunity is still here.
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The Emerging Biotech Leader
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Building a New Class of Medicine in Biotech : 5
43:58
43:58
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What if there were a way to genetically engineer fungi species and transform them into human therapeutics to help with neurological disorders? Today’s guest, Dr. Usman (Oz) Azam, just launched a biotech, Empyrean Neurosciences, that is genetically modifying fungi to create therapeutics. Biotech is hard enough as it is, but what does it take to pion…
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In today's episode, we talk about a few of the Social Security changes for 2023 that will have a significant impact to retirees.These changes include: The 2023 cost of living adjustment The 2023 Earnings Limit The 2023 Maximum Family Benefit Formula The amount needed to earn one credit The Windfall Elimination Provision (WEP) penalty The maximum ta…
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On this wild episode we talk cheating at chess with vibrators, farting while playing darts, smelly kunts at work, people with bad breath, tattoos with dumb meanings and much much more. ENEPT. Podcast Live 2nd November 2022 Convenients, Northbridge 9th December 2022 Perth Fringe Festival Convenients, Northbridge Every Saturday 10:30pm FOLLOW and Sha…
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