It's All Money

Wine, blueberries and construction- chances are you’ve experienced Serres Ranch in the last 100 years in Sonoma County.  A Farm Bureau Farm Family Of The Year, the Serres family has become a pillar of the community, with decades of business successes and lessons along the way. On the latest episode of Sonoma Wealth's life and finance podcast, It’s All Money, Sonoma Wealth Advisor Shelby Wirick and host Dano Weir sit down with Serres Ranch and Serres Corporation company officer Taylor Serres Murnig to learn: • The origins of their family’s agricultural business, dating back to 1924 right here in the Valley of the Moon. • Why growing grapes and blueberries require completely different approaches. • How Taylor re-frames the current status of the wine industry, beyond the headlines to the business opportunity in front of them. • The unique relationship between Serres Ranch’s agriculture and Serres Corporation’s construction enterprise. • What is it really like working with family? Learn more about Serres Ranch: Book a private wine tasting: https://www.serresranchwine.com/land https://serresranchblueberries.com/https://serrescorp.com/  Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/  Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  References: https://sonomafb.org/serres-family-2023/_______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

Most households treat taxes as a seasonal exercise in document collection. Meaningful wealth preservation demands something fundamentally different- proactive, year-round tax architecture designed to compound after-tax outcomes over a lifetime.What if there were tools your fiduciary financial advisor could offer, that provided proactive, year-round or years-long planning?  Tools to chart optimal, long-term tax outcomes instead of a few deductions at the deadline?The answer to those questions can be found in the latest episode our podcast It's All Money with Sonoma Wealth's Marketing Director Dano Weir and Managing Principals Daren Blonski, CFP® AIF® and Chris Sipes, CFP® AIF®. Watch the episode and you'll discover:• Why your advisor might be just giving you "lazy money". • How a highly appreciated position you feel "stuck" in from capital gains could  potentially be diversified. • Examining the inexplicable idea that it's possible to be making a gain while banking paper losses, at the same time. • How to exit rental property ownership while deferring capital gains on the property. • How a family of 12 who inherited an island (seriously!) used a 721 UpREIT to gain liquidity. We hope you enjoy and find value in this podcast episode.    Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/  Video available on our YouTube Channel: https://youtu.be/MKfqcd8IuLc References: https://www.pressdemocrat.com/2010/09/22/sonoma-county-tops-in-volunteering-2/_______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.  Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

Physical fitness, crisply-made beds, chopping with high knees and precise execution are foundational principles that could get you through basic training in the United States Marine Corps.  But what could those very tenents also teach anyone, even you, about finance? Sonoma Wealth Advisor Gaetano Bettinelli joins our house podcast It’s All Money to share his story as a Former Captain in the Marine Corps in Logistics: How and why he left home in Napa to attend the United States Naval Academy in Annapolis. Why the reality of what people in the Marine Corps are really like may surprise you.  What his experience at the Leadership Laboratory can teach you about beginning your financial journey. Why “brilliance in the basics” may be one of the most important financial principles he learned at The Basic School. How his experience as a Logistics officer influences how he helps his clients today. We hope you enjoy this look at the unique background of one of our rising advisors at the firm.  Learn more about Gaetano and all of our advisors here on our website: https://sonomawealthadvisors.com/about-us/our-team Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/ Video available on our YouTube Channel: https://youtu.be/F8Th_SNninY _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.  Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

It’s a Digital Age, no, it’s a Cloud Digital Age, no no, it’s an AI,Cloud, Digital Age where everything is saved forever and lives in your pocket, anytime you want. Until it breaks. Gets dropped in a lake. Hard drive with all your crypto goes click click click. Pirate hackers hold your business server hostage for ransom. Or unfortunately for many in California, a device with your digital life is lost in a wildfire.  What then?  Suddenly your technology problem crosses over to a financial problem.  And that’s why we named the show “It’s All Money”. For every Apple store in the world that can’t fix an iPhone, for the preferred recovery partner for Dell Computers, and for an obscenely awesome list of celebrities like Harrison Ford, Bruce Willis, Metallica, Bob Weir, Jimmy Buffet and President Gerald Ford the answer to that ‘What then’ has been DriveSavers in Novato, CA. Host and Sonoma Wealth Marketing Director Dano Weir traveled to their headquarters in Bel Marin Keys to sit down with Head of Cyber Recovery Andy Maus and Director of Engineering Mike Cobb. Enjoy this fascinating conversation about the fragility of data storage, unbelievable recoveries for people who thought everything was lost and asking the question- is your *data* an asset in your persoanl and business financial plan? Learn more about DriveSavers here: https://drivesaversdatarecovery.com/ Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Video available on our YouTube Channel: https://youtu.be/ZiDkg0jdEoQ References: https://drivesaversdatarecovery.com/company/data-recovery-hall-of-fame/ https://www.wired.com/2012/08/how-drivesavers-got-my-data-back/ _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

Kicking off season 3 of It’s All Money with a special double-episode answering what seems like an obvious question- is inheriting money a good thing? Well...maybe. In the next 20 years, the largest wealth transfer in the history the USA is about to take place.  Whether giving or receiving...are you prepared?  Do you have a plan? Sonoma Wealth Marketing Director Dano Weir and Managing Principal Daren Blonski examine 10 ways to avoid The Inheritor’s Dilemma: Why are emotions the first piece to address in an inheritance plan? What are the risks of co-mingling assets? Does this mean you need professional tax help now? What skills do you need to keep inheritances from becoming a ‘curse’? What’s more valuable than ‘stuff’ ? We hope you enjoy this practical and grounded look at a complicated part of life. Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Video available on our YouTube Channel: https://youtu.be/_WECTSDfebk References https://sites.lsa.umich.edu/mje/2025/04/03/the-great-wealth-transfer-and-its-implications-for-the-american-economy/ https://www.statista.com/statistics/296974/us-population-share-by-generation/?srsltid=AfmBOopU4fUfrw8KMLku4bNUy-P0JCKGNr-VzwKlooHwLvRFdqLqqBct _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

Following an unbelievable 12th straight Michelin Bib Gourmand award, host Dano Weir had to track down Chef Ari Weiswasser and Managing Partner Spencer Waite of the Glen Ellen Star restaurant for an episode of It’s All Money. Just what is a Michelin Bib Gourmand award?  How is it different from a Michelin Star? Awards are amazing, but they only happen with great food and great people. What early decisions and values both in and out of the kitchen have led to their business success? How did success at Glen Ellen Star lead to the opening of their second restaurant, Stella in Kenwood?  ....and is a mystery third restaurant coming to Sonoma proper soon? How is opening a restaurant from scratch different than opening a restaurant with investors? How have changing food and labor costs over the past decade-plus shown up in the menu? How does having 1 night a week with no corkage actually result in more full tables? Whether you’ve been and loved the Glen Ellen Star or you’re looking to learn about it for the first time, we hope you find business insight and maybe get a little hungry from episode 28 of It’s All Money! Learn more about both restaurants here:  https://www.glenellenstar.com/ https://www.stellakenwood.com/  Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Video available on our YouTube Channel: https://youtu.be/cf8rv_FKqLU References: https://www.glenellenstar.com/ https://www.stellakenwood.com/  Credits: Host: Dano Weir Production: Fours Media Voiceover - Joan Elloway-Nash Music – Dr. Delight on Soundstripe ________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

It’s one of the oldest "stocks" ever...GOLD. It’s over though, right?  That’s the late-night TV infomercial stuff?  Your grandpa had it in a safe but you’re living in the future and everything’s digital now?  ...right? Then why’s it up 43% this year, and 105% in the last 5 years?  Stock or not, shouldn’t your advisor be aware of an asset soaring like that? This week on It’s All Money, hosts Dano Weir and Daren Blonski CFP® sit down with Jason Bowman from Napa Gold and Silver, for an insider’s take on what’s happening in the precious metals market.   What could be behind this meteoric rise?  How long will it last? How is gold purchased?  How is it held? When does a gold ETF make sense for a portfolio? If you have gold lying around, can you really turn it into cash?  Wait, would you want to if you could? While you won’t find us giving out a 1-800 number any time soon, the rise in gold has been too significant to ignore.  This educational episode aims to address the gains, and how or if it makes sense for a diversified portfolio.  Learn more about Jason, here: Jason Bowman owner of Napa Gold and Silver https://napagoldandsilver.com/  If you’d like to learn how we help thousands of people retire and stay retired, take our Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ Audio also available on  Apple Podcasts https://podcasts.apple.com/us/podcast/on-the-markets/id1802984526 Spotify https://open.spotify.com/show/2YqyNLN7mcBApS5RL2piAj  Sources: https://seekingalpha.com/article/4828510-gold-miners-outperforming-ai-chip-stocks-this-year https://www.reuters.com/article/business/timeline-golds-history-as-a-currency-standard-idUSTRE6A71J1/ https://www.stlouisfed.org/open-vault/2022/oct/ghost-bretton-woods-global-economic-system https://www.presidency.ucsb.edu/documents/executive-order-11825-revocation-executive-orders-pertaining-the-regulation-the?tblci=GiBdY-MYH1-nD-WW6UXCXAtHBPIEdPpDc50r48qPeOICrCDKuWUow8jry8SFw-EvMLzYPQ https://goldprice.org/gold-price-history.html https://www.herobullion.com/are-olympic-medals-real-gold/#:~:text=Here's%20What%20Olympic%20Medals%20Are,treasure%20commemorating%20the%20Olympic%20games.  _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.  Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

First came seashells, then gold, then paper, and now, hold your breath, crypto. That last one is hard to swallow because of it’s mysterious, scandalous, and in one case truly unknown origin.  But like it or not, crypto is becoming a part of the world outside your friend’s boyfriend’s cousin’s basement. On this episode of It’s All Money, Sonoma Wealth CEO Daren Blonski CFP® and Marketing Director Dano Weir look at the real-world proof that crypto is going legit. Major trading firms which offer crypto investments. Countries with strategic bitcoin reserves. Crypto can now be equally considered as an asset for a mortgage. What is the GENIUS act? Athletes who’ve been paid in crypto. What’s the future hold?  No one can say for sure.  As a firm, it’s our job to watch trends in the industry and report back to you.  Despite it’s history, crypto is showing more and more signs of legitimacy.  We hope you found this episode at the very least educational. If you’d like to learn how we help thousands of people retire and stay retired, take our Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Video available on our YouTube Channel: https://youtu.be/yUPEVRtNF7M Sources: https://www.npr.org/2025/07/17/nx-s1-5451413/crypto-week-stablecoin-genius-act-trump  _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.  Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

(00:00:00) 8 Secrets Learned Retiring Thousands (00:02:16) Don’t retire away, retire to something (00:06:19) The go-go years, the slo-Go years, and the no-go years (00:11:40) People are living longer (00:18:26) Social Security isn’t designed for retirement (00:22:09) Everyone gets along until you die (00:24:46) Buy memories, not things (00:27:31) Checks and balances (00:30:37) SOMEthing physical Roth! Not Roth! Bonds! Social Security timing! Financial advisors yapping about retirement all seem to hit the same 4 topics, don’t they?  What about the rest of the story? For advisors with eyes, there are details and secrets that fall between the cracks, that can have a huge impact on how you experience your retirement, outside of your portfolio.  On this episode of It’s All Money, CFP® and Sonoma Wealth CEO Daren Blonski shares 8 secrets he’s learned retiring thousands of people in Northern California: 2:17 Don’t retire away, retire to something6:19 The go-go years, the slo-Go years, and the no-go years11:40 People are living longer18:26 Social Security isn’t designed for retirement22:09 Everyone gets along until you die24:46 Buy memories, not things27:31 Checks and balances30:37 SOMEthing physical We hope you enjoy these insights from our experience.  If you’d like to learn how we help thousands of people retire and stay retired, take our Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Video also available on our YouTube Channel: https://youtu.be/JGcRKFBzpbg Sources: https://www.statista.com/statistics/1040079/life-expectancy-united-states-all-time/ https://ourworldindata.org/life-expectancy-globally _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.  Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

It’s 2025!  Every business is Robots! Franchises!  CORPORATE! ...then how is an upstart local restaurant with humans expanding from 1 to 5 locations in under 6 years? Through a global pandemic? In one of the world’s most highly competitive restaurant markets?  On the back of good ol’ burgers and fries?? 🍔🍟🥤 This week on It’s All Money, we sit down with Erica and Todd Kniess of Sonoma County’s own Acme Burger.  Why would a former Ritz Carlton chef choose burgers for his biggest business venture?  What organizational structure did they implement to ensure happy, motivated staff?  Why does offering families a place to “drop your shoulders” turn into real revenue?  How did a chance meeting in Bodega turn into a profitable growth opportunity for 2 businesses?  Why does community and quality matter to them before dollars? Join us for the first in-depth interview about this incredible Sonoma County success story (and yes, some delicious Burger footage!), RIGHT HERE on YouTube.  Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

Imagine 17,134 grains of sand in zen garden sand box.  ONE is an absolute winner.  Could you pick it?  Could you pick it from a much smaller box of 534 even? That’s essentially cryptocurrency right now.  Dismissing cryptocurrency is a logical reaction and yet-  would you believe as an asset class, if all of crypto were on the Fortune 500, it would be a top 10 company by market cap?  Bigger than Berkshire Hathaway?  Bigger than Tesla?  Bigger than Visa? That's a lot to fathom.  So our own Daren Blonski CFP® is here to share his take on the crypto space right now, with 4 key reasons he believes Bitcoin has stood out from everything else and will continue to do so. This episode is for educational purposes only, focused on explaining some of the realities of this still relatively-new asset class, which has become too big to ignore.  Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  References: https://tangem.com/en/blog/post/how-many-cryptocurrencies-exist/ https://www.forbes.com/digital-assets/crypto-prices/?sh=7a54f0bb2478 https://explodingtopics.com/blog/number-of-cryptocurrencies  _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

We’re in year 3 of interest rates being basically 2-4x what they were the prior 3 years. Just this past month, June 2025, Fed Chair Jerome Powell said “For the time being, we are well positioned to wait to learn more about the likely course of the economy before considering any adjustments to our policy stance.”  In other words, NO. At Sonoma Wealth, we plan toward potential futures and outcomes in finance, but also help clients operate under current circumstances.  Life doesn't stop for some desired future. If interest rates remain high, how can you adjust?  Or even take advantage? In this INTERESTing episode of It’s All Money, we look at 4 strategies to employ when interest rates won’t drop.  What’s the root cause of credit card debt?  Are you over your skis on your real estate?  Why is now a great time to maximize cash?  What assets thrive in the market in a high interest rate environment? We hope you or someone you may know impacted by interest rates will find this episode helpful! 6:31 What even are “Interest Rates”? 16:33 #1 – Get Your Debt Under Control 23:18 #2 – Be Honest About Real Estate 31:03 #3 – Maximizing Cash 34:40 #4 – What To Do In The Market  Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ Find Dave Ramsey’s 7 Baby Steps here: https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gad_campaignid=197939186&gbraid=0AAAAAD_Z1jz_u9Wufbx-LeZd6wPX3_8JO&gclid=Cj0KCQjw1JjDBhDjARIsABlM2StVhZVGEWej9f0v_akCLuogJdVE26et1rgrDkVZerD_8WFTj8_8EsQaAileEALw_wcB   Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  References https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620 https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high https://www.macrotrends.net/2015/fed-funds-rate-historical-chart https://www.nerdwallet.com/article/banking/historical-cd-rates https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c https://www.nerdwallet.com/article/finance/data-2023-budgeting-report https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm  _______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.  The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.    Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

We’ve all been doomscrolling on a phone at god-knows-AM when some stranger in a video says something that makes “sense” about money. Ever wonder what a CERTIFIED FINANCIAL PLANNER® might say to that same video? In this fun episode of It’s All Money, we open up the pandora’s box of internet money advice and let our Managing Principal, Daren Blonski CFP® give his take. Additionally, Marketing Director and Podcast host Dano Weir shares how an average person might process and logic through some of this content, and the pitfalls therein.• Why not just put your emergency fund in an index fund to “make more”? • What is the “tolerance for ambiguity”?• If you leave your money invested, it just “makes 10%”, right?• Why is bitcoin ot the “only store of value”? • Should I do a real estate double-backflip to get a “free” G Wagon?• Why the Wolf Of Wall Street of all people calls CNBC the “worst thing to happen to investing”.• Can you “write off” a private chef?If you ever wanted to throw cold water on the money nonsense you see on the internet, this episode is for you 😎Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ References Financial Advice from the Cleveland Brownshttps://www.youtube.com/watch?v=uN9WSgeETCoSource: HBO, NFL FilmsNew Bitcoin Adhttps://www.instagram.com/reel/DJkJLeoxlV9/?igsh=NTc4MTIwNjQ2YQ==Source: CoinbaseRisk Tolerance With Jerry Joneshttps://www.instagram.com/reel/DIgeCK2OLRc/?igsh=NTc4MTIwNjQ2YQ==Source: Undeniable with Joe BuckTwo Income Traphttps://www.instagram.com/reel/DJcInkGswmB/?igsh=NTc4MTIwNjQ2YQ==Source: Last Meal With Tom NashWolf Of Wall Street on CNBChttps://www.instagram.com/reel/DIzDFynTxKx/?igsh=NTc4MTIwNjQ2YQ==Source: @wolfofwallst instagramRentals to buy a G Wagonhttps://youtube.com/shorts/FM_ChKFVUJ4?si=cdQWr4R4e1O-X1tMSource: ThachNguyenEmergency Fund in the Market?https://www.youtube.com/shorts/MxZFjTqp4GcSource: Ben Alistor, YouTubeWriting Off My Private Chefhttps://youtube.com/shorts/dwt1fggBga0?si=LS1mljmiqFuDaxh8Source: Karlton Dennis Youtube________________________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Everybody knows ‘Social Security is going to go broke’...but is it? A Social Security discussion often becomes a political one, and a key question often gets ignored for a retiree-  what functionally happens to the check I get every month when Social Security “goes broke”?  Would you be surprised to find out you will likely still get a check? In this episode focused on retirees (and not politics), Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir are joined by Certified National Social Security Advisor Clay Dunkle CFP® on the realities of what Social Security might look like for a retiree after 2035.  What’s inside this episode is not what you’ve heard in your newsfeed.  We hope you find it educational and informational. 0:00 How does Social Security even work?  5:10 Why Social Security is now having problems  6:40 What happens when the Social Security Trust hits $0?  10:38 Social Security by the numbers  11:41 How could the government fix the problem?  14:18 Next tax bill's impact on Social Security  17:11 The Windfall Elimination Provision  19:25 Should you even plan for it to be there?  22:51 How do we help clients with Social Security?  25:00 When are you going to die?  26:11 Other ways the government could fix the problem  27:07 Should you take it early or later? Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  ________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

Real Estate Headlines hurt these days don’t they? “Pending Sales Hit All Time Low” “Forecast Downgraded” “Commision Litigation Could Impact Sales” “REAL ESTATE HALTED” While trends, data and comps matter, in real estate every deal is unique and individual.  Your friend’s house price doesn’t matter as much as your list price, your offer price.  This week on It's All Money, host Dano Weir and Sonoma Wealth Advisor Shelby Wirick go in search of real answers from realtors actually doing deals right now-  Kristie Eddy and Mary Bienek from Sotheby’s, Morgan Devencenzi from eXp, Chris Meadors from Compass, Mary Fillinger from Hedge and Miguel Paredes III from Holmes Burrell.   Collectively the panel has over $1 billion in real estate transactions across dozens of years in Sonoma, Napa, Marin Counties and beyond. Find answers to these questions and more:  How did the market change in 2024?Why is this alleged “bad market” actually a benefit for buyers?What is the *deal* with the commission thing?Is Zillow even close to correct?Why is there “no such thing” as a bad interest rate? Enjoy this encouraging and educational look at what happened and what could be next in real estate in 2025.   Filmed on-location at SOMO Cowork in Rohnert Park, CA: https://www.somocowork.com/ Guests on the show include:  Kristie Eddy Sotheby’s International Realty (949) 577-1717 [email protected] http://www.kristieeddy.com/ DRE# 02095273   Mary Bienek, Realtor Sotheby's International Realty (707) 787-8659 [email protected] https://www.sothebysrealty.com/eng/associate/180-a-3176-66368357/mary-bienek DRE#01877389    Morgan Devencenzi Sullivan Group @ eXp Realty (707) 696.8654 [email protected] https://morgansullivan.exprealty.com/index.php DRE Number: 02092448  Miguel Paredes III  Holmes Burrell Real Estate (415) 233-3235  [email protected]  https://miguel.viewnorthbayhomes.com/ DRE License# 01790855  Chris Meadors Compass Napa and Sonoma (707) 287-3528 [email protected]  https://www.meadorsgroup.com/ DRE #02024636  Mary Fillinger Pearson Fillinger Group @ Hedge Realty (650) 703-4800 [email protected] https://pearsonfillinger.com/ #02147040    Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/  Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ  References: https://spectrumnews1.com/ca/southern-california/housing/2024/09/30/home-turnovers-are-at-their-lowest-level-in-30-years https://www.nytimes.com/2024/12/11/realestate/housing-market-2024-2025.html https://www.realestatenews.com/2025/03/24/home-sales-optimism-fades-with-nar-economists-new-forecast https://www.reuters.com/markets/us/us-pending-home-sales-tumble-record-low-january-2025-02-27/  https://www.northbaybusinessjournal.com/article/industry-news/sonoma-county-lost-decade-of-new-housing-in-2008-financial-crisis/ https://rocket.com/homes/market-reports/ca/sonoma-county https://www.resiclubanalytics.com/p/the-vanishing-young-homebuyer-median-first-time-homebuyer-age-jumps-from-28-in-1991-to-38-in-2024    Credits: Voiceover - Dano Music – Neon Beach “Sparkle Rising” https://www.youtube.com/watch?v=bAyi2K2L_lo ________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. 

You don’t want to hear this episode.No one does.But you probably need to watch this episode.If you’re in the orbit of Sonoma Wealth, then you’re a planner.  You’ve planned your whole life, and yes, you can plan your death too.But why bother?Did you know depending on the situation, the government can take 40% of what you have just to transfer it from you to your loved ones?  Did you know making every kid mutual trustee on your estate can actually be a problem for them?  What if the mark you wanted to leave on the world wasn’t left the way you want it?Hard questions to ask, answer and hear.On a special episode of It’s All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® shares his own experiences as a participant in countless estate plans. He details the many mistakes that could potentially be avoided and the peace you can provide for your family with a clear plan.Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

“Money’s all in your mind” sounds pretty hokey, doesn’t it?  But trace every decision you’ve ever made in life, including your money.  Where did it all flow from?  Right 😉🧠.At Sonoma Wealth Advisors, we offer a holistic approach for our clients (and future clients!).  This includes starting at square 1, or even square 0-  How do you think about money?What’s your behavior around it?  What’s your history with it?  Where did that come from?  Are you happy with the results, or time for a reanalysis?In this introspective episode, hosts Dano Weir and Daren Blonski CFP® look at the 8 Ways We Think About Money at Sonoma Wealth Advisors.This is a great episode for someone just getting started with organizing their finances, we hope you enjoy and learn even 1 thing to help you in your journey.Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences: https://www.advisorperspectives.com/articles/2025/02/12/nvidia-shares-no-longer-bulletproof-deepseek-fears_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

We’ve all “done our taxes”.  Gather up a mess of documents, send them in to your person or software program, weeks pass, maybe you get a check maybe you cut a check, depends on the year.  Wash, rinse, repeat.But have you ever had a conversation with a professional about the long-term tax burden of being in certain investments?  How a move you make today could affect your taxes in 5 years?  Has anyone ever told you that certain charitable contributions you’re making you thought weren’t deductible could be with a Donor-Advised Fund under certain circumstances?These would be insights learned during Tax Planning, also called Tax Observations.  Our own Clay Dunkle CFP®, AIF® makes his debut on It’s All Money to discuss one of his favorite parts of the business, and analyze the subtle nuance of the phrase “It’s not what you make, it’s what you keep that counts.”Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

It's that time of year...everyone's looking to start fresh, reassessing a lot of relationships in their life...is it time to look at your Broker relationship too? Do you even know if your "financial advisor" is a Broker? An insurance agent? Or a Fiduciary to you?Host Dano Weir and Sonoma Wealth Managing Principals Daren Blonski CFP® and Chris Sipes CFP® look at the key questions around the broker v. fiduciary divide. How are they paid? Why is a "suitable" investment for you perhaps very different than something in your "best interest"?Wait, why wouldn't your advisor show you something in your best interest? And find out your answer to this question- is it time to breakup with your broker?Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

It's a New Year, and you might be dreaming of making that big leap.That career you've always wondered and worried about. How would it affect your income? Would you make it? How could you afford it before you make it? How much would it cost?This guy did it.In 2020, union carpenter Johnny Fagundes saw meat shortages on TV as a result of the pandemic, and after years of raising cattle on the side, jumped in with both feet to follow his dream. It's All Money host Dano Weir sits down with Johnny at his farm, Full Circles Ranches in west Petaluma, CA to discuss his story of entrepreneurship and his holistic ranching philosophy.Learn more about Sonoma Wealth Advisors here: https://sonomawealthadvisors.com/Learn more about Full Circle Ranches here: https://fullcircleranches.com/Learn more about Panizzera Meat Company here: https://www.panizzerameatco.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Back To School after 20+ years to pay it forward. Dano Weir and Daren Blonski CFP® host the first episode of It’s All Money with a live audience back at their high school, Casa Grande High School in Petaluma, CA. The firm recently passed the billion dollars under management mark. A milestone in the financial services industry, a billion is an indicator that your services are resonating in the community and you’re more than just a 1 or 2 person “and a truck” operation. It felt like a good occasion to return to the place where both host’s educational foundation began and share some life experiences and business tips with tomorrow's business leaders. Mr. Meirik’s Entrepreneurship Class welcomed us into room E16 and the questions rolled...When you choose your career, how do you start?What does a financial advisor, um, actually do?Are all financial advisors the same?Is it ok to borrow money from friends?When should you begin investing?What’s the deal with crypto?Should I follow my dreams or the money?And many more...Check out this open and honest episode from two graduates who’ve seen their share of ups and downs in business and in life, and hopefully some takeaways to help the next generation!Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Ok Cypto Bros, with the 100k milestone upon us, it's finally time to do an episode on Bitcoin.As basic an episode as possible, because while host Daren Blonski CFP® has been wise to the coin world for some time, co-host Dano Weir only knows what he's seen in a few headlines.So for educational purposes only, let's have a based conversation about the coins that exist but you can't hold in your hand. Maximalists will probably laugh and deniers might scoff. We just want to have an open conversation about (yes, at the time of this writing 12/10/24) the 7th largest asset class in the market.This episode is perfect if you know nothing about crypto and at least want to know what people are talking about. This episode is for educational purposes only (not investment advice) for our clients and potential clients, to shed some light on a reality of the market. It's All Money is powered by Sonoma Wealth AdvisorsLearn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthRefrences: https://www.investopedia.com/terms/c/cryptocurrency.asp https://www.nerdwallet.com/article/investing/cryptocurrency https://en.wikipedia.org/wiki/Cryptocurrency https://www.imf.org/en/Blogs/Articles/2024/08/15/carbon-emissions-from-ai-and-crypto-are-surging-and-tax-policy-can-help https://www.bbc.com/news/articles/cgr0dyy152jo https://www.msn.com/en-us/money/markets/analyst-warns-of-leverage-driven-xrp-pump-as-token-flips-tether/ar-AA1v5Enr https://www.history.com/news/san-jose-shipwreck-battle-2 https://www.investopedia.com/articles/forex/121815/bitcoins-price-history.asp _______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

In the spirit of Thanksgiving, Dano and Daren discuss both data-based and anecdotal evidence how practicing gratitude could possibly benefit your health, wealth, business and more.It's All Money is powered by Sonoma Wealth AdvisorsLearn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences:https://www.si.com/college/pittsburgh/football/pitt-panthers-larry-fitzgerald-highest-paid-wr-nfl-history#:~:text=With%20%24182%2C490%2C000%20under%20his%20belt,wide%20receiver%20in%20NFL%20history.&text=Only%20one%20other%20wide%20receiver,entire%20career%20with%20one%20teamhttps://bakadesuyo.com/2011/12/who-makes-more-money-nice-people-or-mean-peop/https://www.wsj.com/articles/SB10001424053111904823804576502763895892974https://www.sciencedaily.com/releases/2011/11/111102125648.htmhttps://ggsc.berkeley.edu/images/uploads/GGSC-JTF_White_Paper-Gratitude-FINAL.pdf?_ga=2.51257770.246418475.1638563377-157927757.1638563377https://www.businessinsider.com/gratitude-makes-you-rich-2015-2 https://www.mindful.org/the-science-of-gratitude/_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Well...Tuesday November 5th has come and gone, and as expected some people are excited and others are fearful. We try and keep our shows focused on finance, not politics. But considering the weight of the event and the concerns and opinions floating around, we decided to do an episode about the financial implications of the election. Headlines can be deceiving, and it's natural to draw conclusions as national events happen:  "Markets do better under (insert party name)" or "I heard (insert industry) is going through through the floor." But is that really true?  What does the data from the past say?  Are there more important business factors than the Presidency? With respect for wherever you fall on the political spectrum, host Daren Blonski CFP® and Marketing Director Dano Weir take a look at what the market and economic data might be telling us about the next 4 years for portfolios.It's All Money is powered by Sonoma Wealth AdvisorsLearn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences:https://www.pwc.com/us/en/library/pulse-survey/executive-insights-election-2024.htmlhttps://finance.yahoo.com/news/blackrocks-larry-fink-says-us-143857961.htmlhttps://www.cnbc.com/2024/11/07/heres-how-much-control-the-president-has-over-the-us-economy.htmlhttps://www.visualcapitalist.com/sp/democrats-vs-republicans-does-it-matter-to-the-market/https://www.newsweek.com/investors-money-democrats-white-house-stock-market-1976552_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

It's a story you've heard before- you've got back pain, or knee pain, perhaps from running or too many years stuck at a computer. When you have a medical concern, if you have health coverage, you go to your health system, and whatever solution they present is all of what's available and is ultimately right for you. ...right?Host Dano Weir challenges that thesis this week on It's All Money, with Doctor of Physical Therapy Josh Madonick DPT, PT, CSCS, Founder of Basecamp Physical Therapy in Petaluma, CA.Depending on the condition, what if there were other options out there? What if you didn't have to get surgery? What if it cost money over several sessions to figure that out? What if it was...$400? Or $950? What if it cost less? More? Would you take that financial risk? Would the reward of no pain or no surgery be worth it to you?Spoiler alert- this episode is not about an advocation one way or the other. We know many doctors and nurses within big health systems who do great work, and are just trying their best with a big patient load. The goal of this episode is to spur consideration of the idea that your financial plan and your health span might be more closely linked than you think! We hope you find it educational and stimulating to further thought.It's All Money is powered by Sonoma Wealth AdvisorsLearn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Learn more about Josh and Basecamp Phyiscal Therapy here: https://www.petalumaphysicaltherapy.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

What other industry has 15 names for essentially the same job?!Good ol' Finance.Host Dano Weir dives into a perhaps more important word that begins with F, FIDUCIARY. What is it? How is it different than a Broker? Why does that matter for YOU?(Side note- in an industry whose entire purpose is purportedly to enhance their clients money, why would you *ever* put BROKE in your job title? Anyway...)Sonoma Wealth's Managing Principal Chris Sipes CFP® and Director of Growth Rachel Schuyler have both seen the various twists and turns of the industry throughout their career. They join Dano to help YOU understand the three main divisions in the financial services industry, how they're paid and what may or may not be the best fit for you.Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences:https://analyzingalpha.com/stock-brokerage-historyhttps://www.etymonline.com/word/brokerhttps://www.oed.com/dictionary/stockbroker_n?tl=true#:~:text=The%20earliest%20known%20use%20of,Etymons:%20stock%20nhttps://www.letsmakeaplan.org/choosing-a-planner/fiduciary-duty-your-interests-should-come-first#:~:text=As%20part%20of%20their%20certification%2C%20a%20CFP%C2%AE%20professional,CFP%20Board%20doesn't%20guarantee%20a%20CFP%C2%AE%20professional's%20services._______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

"Risk Tolerance" likely makes your eyes flutter and you start to yawn... ...but snag a coffee for a second. Did you know your reported risk tolerance could determine where and what investments your entire portfolio goes into? Perk up friend, it's that important. Hosts Dano Weir and Daren Blonski, CFP® sit down with Sonoma Wealth Financial Advisor Shelby Wirick for a first-hand account of how her client's answers about risk tolerance determine what can ultimately happen with their portfolio. Find out right here on this episode of It's All Money.Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

FOR THE RECORD- this episode was recorded on Aug 21 2024. And just so happens to mention why Daren Blonski, CFP® typically in his experience advises against big portfolio moves in September/October. But why? Believe it or not, after years of doing this, Daren has noticed some unbelievably, potentially HUMAN excuses and cycles in the stock market. Often referred to as "Seasonality" these tropes are not a rule, but seem to be true more often than not. What's the "santa rally"? Why would things "go away in May"? And why is Fall potentially a "fall" ?Hosts Dano Weir and Daren Blonski, CFP® dig in on the seasonality of the market in this episode of It's All Money.Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences: https://www.thestreet.com/dictionary/retail-investorshttps://www.investing.com/analysis/sell-in-may-and-walk-away-not-this-year-121730 _______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

That's right, it's an episode on CD'S!!!WAITBefore you hit the Snooze Bar 💤...Why are some people seeking good ol' Certificates of Deposit in this high interest rate environment? How do they differ from Money Market accounts? Are they actually "no risk", "low risk" or something else? And just what IS the risk of a CD or Money Market?Hosts Dano Weir and Daren Blonski, CFP® dig in the investment you thought you didn't care about, CD's on this episode of It's All Money.Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences: https://www.investopedia.com/when-were-certificates-of-deposit-invented-5224230 https://www.forbes.com/advisor/banking/money-market-account/what-is-a-money-market-account/#:~:text=Money%20market%20accounts%20were%20created,interest%20rates%20on%20consumer%20deposits _______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Back to school costs are hitting all-time highs, but just what does that mean for the average family? Daren and Dan break down the averages category by category, float a theory about what's driving them and the shocking real-life test Dan ran that showed how your choice of store could increase your prices 155%. It's All Money is powered by Sonoma Wealth Advisors in Sonoma, CA. We value communication and education, and know that investments are just a piece of your financial puzzle. With this show, we offer our take on all the things that eventually hit your checking account.Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences:https://www.marketwatch.com/story/families-will-spend-as-much-on-back-to-school-shopping-this-year-as-they-do-on-holiday-shopping-that-hurts-c4924bd1https://www.nerdwallet.com/article/shopping/2024-back-to-school-shopping-reporthttps://www.cnbc.com/2024/01/24/many-americans-cannot-pay-for-an-unexpected-1000-expense-heres-why.htmlhttps://capitaloneshopping.com/research/back-to-school-shopping-statistics/_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

You were born into this world and there just, *was* all this stuff- Nasdaq, S&P, futures, interest rates, bonds and now crypto.Did you ever wonder where it all came from? WHY it all came from?It's All Money Host and Sonoma Wealth Marketing Director Dano Weir sits down with Sonoma Wealth Co-Founder Chris Sipes CFP®, AIF® to discuss a tiny history of markets, why they happen and why they'll likely always happen. Plus enjoy a STUNNING story on why tulips in the Netherlands in the 1600s might mirror some of the biggest booms and busts in the history of the stock market.Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences:https://blogs.uoregon.edu/pogsforfun/ https://en.wikipedia.org/wiki/Buttonwood_Agreement https://en.wikipedia.org/wiki/Tulip_mania_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

It seems simple enough- "money markets" and other instruments are "paying 5% right now". Who doesn't want to make 5% on their money doing nothing? So should you shift your entire portfolio to something with purported reliable returns and alleged "lack of risk"? Wait...WHY are savings accounts paying 5%? It's All Money Host and Sonoma Wealth Marketing Director Dano Weir sits down with Sonoma Wealth Co-Founder Chris Sipes CFP®, AIF® to discuss the circumstances which have led to savings rates "partying like it's 2009" and potential upsides and downsides to making a move there.Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthSee the Slides and References here: https://sonomawealthadvisors.com/file/9/Its%20All%20Money%20Episode%202-Money%20Markets.pdf_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

You pay your mortgage every month. But have you ever wondered what would happen if you paid it every 2 weeks instead? Daren and Dano run the numbers on a $500k scenario (which may work in some states, but perhaps not in others *cough* CALIFORNIA) and show the shocking impact of making just one more mortgage payment a year on your long-term financial picture. Plus enjoy a few fun financial happenings out the door including McDonald's new value meal and watch Daren's eyes roll back at the idea of a 24/7 stock market!Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealthReferences:https://www.dailymail.co.uk/yourmoney/consumer/article-13271893/mcdonalds-prices-doubled-ten-years.htmlhttps://www.nasdaq.com/articles/contemplating-24-7-trading-at-nyseMortgage Numbers calculated with: https://www.mortgagecalculator.org/_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Introducing YET ANOTHER financial advisor podcast... It's All Money. But wait what's different? Your 401k, your kids Paw Patrol toy collection, quantitative easing and the rising cost of your Disney+ subscription all seem like wildly different topics. And yet to the average American, they all end up hitting your checking account one way or another. It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Not every listener will become a CFP, but any listener can learn a few things to have financial confidence and take control of your financial life.What Is Financial Confidence? Financial Confidence is an emotional state of understanding money. It is not necessarily having money. It is understanding the money in your life.Goal: Every episode you walk away with 1 takeaway to increase your financial confidence. Because at the end of the day, It's All Money. In this primer episode, hosts Dano Weir and Daren Blonski, CFP®, AIF® introduce themselves, the show and 3 moments that exemplify their life in money.Hosts: Daren Blonski, CFP®, AIF®, CEPA®, CDAA- The CEO and CFP, bringing over a decade of experience planning for hundreds of families in world-renowned Sonoma, CA. His unique blend of current market knowledge, economic theory and emotional intelligence provide critical insight to the reasons behind the trends and your behaviors. Dano Weir- An on-air media personality for 15 years, Dano has 0 licenses and letters after his name 😉. But his specialty lies in gathering complex information and communicating it respectfully to an audience of varying backgrounds. With a personal interest in empowering people to make informed money decisions, Dano knows just enough to be dangerous and is brave enough to ask the questions a listener might. Why did that stock go up? What happens with that money? Do I have to pay back a student loan? What’s the cheapest TV plan right now?Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth_______________Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.