A STEWARD'S VIEW

This week, ASV tackles the important topic of giving - to others, to family, and to charities. Technical meets relational, and knowledge meets wisdom, in this first part of an essential series for stewards! Enjoy this episode as special Guest Paul Larsen unpacks the heart of giving, alongside of Aaron Kolkman's technical expertise. For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Verse(s) of the Week: The point is this: whoever sows sparingly will also reap sparingly, and whoever sows bountifully will also reap bountifully. Each one must give as he has decided in his heart, not reluctantly or under compulsion, for God loves a cheerful giver.- 2 Corinthians 9:6-7 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC. Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

A throwback to June 2025, you can listen to the integration of current headlines with economic and investment themes. Finally, consider the "zoom out" response of examining the big picture for real, potential risk-reward issues, not short-term trades and headlines. For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Verse(s) of the Week: “For it will be like a man going on a journey, who called his servants and entrusted to them his property. To one he gave five talents, to another two, to another one, to each according to his ability. Then he went away. He who had received the five talents went at once and traded with them, and he made five talents more. So also he who had the two talents made two talents more. But he who had received the one talent went and dug in the ground and hid his master's money. Now after a long time the master of those servants came and settled accounts with them. And he who had received the five talents came forward, bringing five talents more, saying, ‘Master, you delivered to me five talents; here, I have made five talents more.’ His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ And he also who had the two talents came forward, saying, ‘Master, you delivered to me two talents; here, I havemade two talents more.’ His master said to him, ‘Well done, good and faithful servant. You have been faithful over a little; I will set you over much. Enter into the joy of your master.’ He also who had received the one talent came forward, saying, ‘Master, I knew you to be a hard man, reaping where you did not sow, and gathering where you scattered no seed, so I was afraid, and I went and hid your talent in the ground. Here, you have what is yours.’ But his master answered him, ‘You wicked and slothful servant! You knew that I reap where I have not sown and gather where I scattered no seed? Then you ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest. So take the talent from him and give it to him who has the ten talents. For to everyone who has will more be given, and he will have an abundance. But from the one who has not, even what he has will be taken away.- Matthew 25:14-29 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC. Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

ASV levels up to ASV PLUS, with fresh investing insights. Get ready to consider how your goals can be funded, and add this special episode to your wisdom arsenal!Listen as ASV outlines the real issues involved with investing, a process for it, and a stewardship perspective about it!For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verse(s):One person gives freely, yet gains even more; anotherwithholds unduly, but comes to poverty. A generous person will prosper; whoever refreshes others will be refreshed. - Proverbs 11:24-25Fidere Media, LLC is not affiliated with Fidere Advisors, LLC. Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

We continue with a unique series to enhance product decision-making. This week is all about Exchange-Traded Funds - types, uses, costs, and considerations. Level-up you decisions about these important tools within your financial plan!For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verse(s):“Bring the whole tithe into the storehouse, that there may be food in my house. Test me in this,” says the LORD Almighty, “and see if I will not throw open the floodgates of heaven and pour out so much blessing that there will not be room enough to store it.” – Malachi 3:10 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC. Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

We continue with a unique series to enhance product decision-making. This week is all about mutual funds - types, uses, costs, and considerations. Level-up you decisions about these important tools within your financial plan! For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verse(s): Yours, O Lord, is the greatness and the power and the glory and the victory and the majesty, for all that is in the heavens and in the earth is yours. Yours is the kingdom, O Lord, and you are exalted as head above all. Both riches and honor come from you, and you rule over all. In your hand are power and might, and in your hand it is to make great and to give strength to all. And now we thank you, our God, and praise your glorious name.“But who am I, and what is my people, that we should be able thus to offer willingly? For all things come from you, and of your own have we given you. For we are strangers before you and sojourners, as all our fathers were. Our days on the earth are like a shadow, and there is no abiding.[a] O Lord our God, all this abundance that we have provided for building you a house for your holy name comes from your hand and is all your own. I know, my God, that you test the heart and have pleasure in uprightness. In the uprightness of my heart I have freely offered all these things, and now I have seen your people, who are present here, offering freely and joyously to you. - 1 Chronicles 29:11-17 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC. Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

We kickoff 2026 with a unique series to enhance product decision-making. This week is all about annuities - types, uses, costs, and considerations. Level-up you decisions about these important tools within your financial plan!For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verse(s):And behold, a man came up to him, saying, “Teacher, what good deed must I do to have eternal life?” And he said to him, “Why do you ask me about what is good? There is only one who is good. If you would enter life, keep the commandments.” He said to him, “Which ones?” And Jesus said, “You shall not murder, You shall not commit adultery, You shall not steal, You shall not bear false witness, Honor your father and mother, and, You shall love your neighbor as yourself.” The young man said to him, “All these I have kept. What do I still lack?” Jesus said to him, “If you would be perfect, go, sell what you possess and give to the poor, and you will have treasure in heaven; and come, follow me.”  When the young man heard this he went away sorrowful, for he had great possessions. - Matthew 19:16-22 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.  

The 2026 U.S. economic outlook points to a year of continued expansion with some moderation in growth, gradually easing inflation, and a slight rise in unemployment, as the economy adjusts to the lagged effects of 2025 policies and ongoing structural shifts. Recession risks are generally seenas low, though the path remains narrow. The 2026 investment outlook suggests a continued strongperformance for U.S. equities, a period of stabilization for fixed income with a potential rally in the first half, a gradual recovery in real estate, and a positive environment for preciousmetals and select base metals.For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verse(s): Whoever loves money never has enough;whoever loves wealth is never satisfied with their income. This too is meaningless. - Ecclesiastes 5:10 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.  

2025 was a year of transition. The 2025 global economy was characterized by a general slowdown in growth amid heightened policy uncertainty and trade tensions, though it proved more resilient than initially feared. Key trends included moderating global inflation (with the US as an outlier), a divergence in economic performance between regions, and significant risks related to trade policies and geopolitical events. For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verse(s): And he said to them, “Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions.” - Luke 12:15 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.  

This week, we stick with year-end money moves to help strengthen your position. Hear about HSAs, RMDs, QCDs, Roth Conversions, and other techniques. Gain the tools and perspective from which to approach a multi-faceted, multi-year income tax plan for your family! And what if you’re a business owner?  What are the options? These are the questions we'll help you answer - and beyond what AI can give you! We hope you capture year-end giving and planning opportunities. Enjoy! For all ASV-related media content, inquiries, or questions, visit www.astewardsview.com. Weekly Verses:And do not seek what you are to eat and what you are to drink, nor be worried.  For all the nations of the world seek after these things, and your Father knows that you need them. Instead, seek his kingdom, and these things will be added to you. Fear not, little flock, for it is your Father's good pleasure to give you the kingdom. Sell your possessions, and give to the needy. Provide yourselves with moneybags that do not grow old, with a treasure in the heavens that does not fail, where no thief approaches and no moth destroys. For where your treasure is, there will your heart be also. - Luke 12:29-34 (ESV)Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

This week, we turn to year-end money moves to help strengthen your position. When is a good time to rebalance in (and after) a bull market?  What about your retirement accounts -establishing them, funding them, distributing from them?  What if you’re a business owner?  What are the options? These are the questions we'll help you answer - and beyond what AI can give you! We hope you capture year-end giving and planning opportunities. Enjoy!Weekly Verses:Do not lay up for yourselves treasures on earth, where moth and rust[a] destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also. - Matthew 6:19-21 (ESV)References:English Standard Version Bible, 2001, Matthew 6:19-21Fidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

We've heard that value and price are different. But when it comes to your portfolio, how can you tell one from the other? What are the variables to consider, and how can you assess value in the end? Those are the issues in this week's episode of our Investment Planning Series. Like, listen, follow and share! The VALUE of this work speaks for itself. And don't forget the new "allocation premium" calculator at www.fidereadvice.com. Share with your friends and pros alike, and raise the bar on your decisions. Aggregate, optimize, measure, repeat! Remember historical data is all we have, and there is no promise of tomorrow in any respect (James 4:13, ESV). Enjoy this week's VALUABLE episode!Weekly Verse:As for the rich in this present age, charge them not to be haughty, nor to set their hopes on the uncertainty of riches, but on God, who richly provides us with everything to enjoy. They are to do good, to be rich in good works, to be generous and ready to share, thus storing up treasure for themselves as a good foundation for the future, so that they may itake hold of jthat which is truly life. - 1 Timothy 6:17-19 (ESV)

This week's work is about coming to clarity with your Universal Pie Chart - taking overall risk and return, charting it, and measuring it. It's about knowing whether or not value has been added in to you portolio, in terms of diversification and correlation. It's about knowing whether or not you've actually built a great plan for your financial assets, compared to the market's risk-return offer. If you consistently score the value added to your entire portfolio through the construction process, you can answer whether or not your goals are really being funded efficiently. Please enjoy this episode, and take your analysis to the next level! Need a hand? Just ask! We're here for you. Reach out to our sponsor, Fidere Advisors, anytime at: www.fidereadvice.com/contact, or schedule at: www.calendly.com/fidere-advisors. Have a blessed week!The ASV Team Verse of the Week: No one can serve two masters, for either he will hate the one and love the other, or he will be devoted to the one and despise the other. You cannot serve God and money. - Matthew 6:24 (ESV)

It's difficult to sum up a multi-step process designed to optimize assets, but this week's topic does just that. We march closer to asset optimization scoring, as we examine the Universal Pie Chart. Discover the aggregate risk, return, and Shape Ratio - across multiple time periods, and then compare those metrics to the market and to an optimized model. Seek to extract risk and enhance return... and get ready to evaluate your holdings, the fees, and the value of any advice received! Weekly verses:I have said these things to you, that in me you may have peace. In the world you will have tribulation. But take heart; I have overcome the world.” - John 16:33 (ESV)And let the peace of Christ rule in your hearts, to which indeed you were called in one body. And be thankful. - Colossians 3:15 (ESV)

This week we turn to the benefits of Asset Aggregation. We discuss what diversification is, and what it isn't, and we move closer to a conversation about Optimizing Assets. We hope you enjoy this week's foundational work on the benefits of a singular investment plan, including genuine diversification, tax optimization, and a correlation analysis. We continue to encourage you to take time to aggregate assets independently, and invite you to use our sponsor's FUSION tool anytime: www.fidereadvice.com/fusionWeekly Verses: If any of you lacks wisdom, let him ask God, who gives generously to all without reproach, and it will be given him. - James 1:5, ESVBut the wisdom from above is first pure, then peaceable, gentle, open to reason, full of mercy and good fruits, impartial and sincere. And a harvest of righteousness is sown in peace by those who make peace. - James 3:13, ESVFidere Media, LLC is not affiliated with Fidere Advisors, LLC.  Content on this site and related linked sites is offered for informational purposes only, and does not represent advice, an offer to transact securities, or a financial planning engagement.

Don't miss this critical episode in the new ASV Investment Planning Series!This simple but robust episode focuses on the value of asset aggregation in the context of Investment Planning. It articulates the universal view of assets that is needed to begin building an investment plan, and the cost of inefficiency if the work isn't done. Most importantly, learn the process and ongoing benefits of aggregation and monitoring assets in a single view! Special Guest Richard Robertson from Genesis Publishing House joins us to talk about the Life Cycle of Wealth book expansion, and more about Genesis Publishing House.Listen and share this week's ASV! You just may decide to take the day off and aggregate!

We hope you enjoy this week's episode on the practicalities of projecting your cash position into the near future, so you can properly time your expenses, and move further away from the distractions that poor cash flow can bring, and move nearer to the places that God has for you to be. Weekly verse: Hebrews 13:5 tells us, "Keep your life free from love of money, and be content with what you have, for he has said, “I will never leave you nor forsake you.”Additional verses: John 14:27, Romans 7:18, Galatians 5:22-23

The U.S. job market is slowing, but resilient. Non-farm payrolls (additions or subtractions to jobs available in the marketplace) - a coincident indicator - has decreased in recent years. The unemployment rate - another coincident indicstor - stands at 4.3%. Thankfully, initial jobless claims - a leading indicator - are at relative lows. Combining these points, we can see that the U.S. has increasingly remained at full employment, that is, a 4-6% unemployment rate. Visit our full weekly post (with references) at: www.astewardsview.com/blog Verses of the week:"Bondservants, obey in everything those who are your earthly masters, not by way of eye-service, as people-pleasers, but with sincerity of heart, fearing the Lord. Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. You are serving the Lord Christ." - Colossians 3:22-24 (ESV)

This episode details the realities of cash flow planning, knowing your "n" and then staying on track towards funding goals and ultimately, funding a legacy. Find out why cash flow is the unsung hero of all great financial planning efforts. We think you'll see that "If Cash Is King, Cash Flow is Queen." Be sure to check out this week's attachments to equip you in navigating this truth, jotting it down, then tracking it daily. Visit www.astewardsview.com/blogThe heart of man plans his way, but the Lord establishes his steps. - Proverbs 16:9 (ESV)

This episode connects estate planning to wealth transfer, and wealth transfer to legacy. Legacy is the history, the ethos, the overall stewardship transition involved in wealth moving from one generation to the next. Much is made of business ownership and the compexities involved. Enjoy this non-technical episode that may be the biggest blessing yet from ASV!Verse of the Week: "A good man leaves an inheritance to his children's children,but the sinner's wealth is laid up for the righteous."- Proverbs 13:22, ESV

Join this focused conversation about real treasure and passing it to your (prepared) heirs! Consider a family meeting and a legacy letter to begin and then cement your estate. Let the financial and legal work follow God's purposes with Mom and Dad and the full picture of their lives.

Enjoy this episode as Aaron Kolkman brings life to the dialgue about multi-generational wealth and the Basics of Estate Planning with OBBBA. Learn the important changes that affect your family, and some tactical concepts to help you navigate them.

The tragedy of a failed wealth transfer is the greatest risk a family faces. This critical episode presents the harsh realities of this risk and considerations for managing (or avoiding) it. Listen to these pivotal points as Aaron Kolkman moves you through estate planning and closer to Planned Giving and Legacy... Then listen again, and again, and again.

Another hit in the "Beyond Returns" Series! Listen as Paul Larsen and Chaz Lowder join in this episode about the clarity provided by your balance sheet and income statement. Enjoy learning about this daily, dynamic puzzle box that is your financial foundation. Understand its relationship to your life goals, and see the benefit to your decisions that it brings!

How do you know if your goals are funded optimally (efficiently)? Aaron Kolkman brings his thought leadership to the long-term investment community - investors and advisors alike, in this critical episode on measuring asset optimization. Listen as you learn the method and the mechanism for knowing your score.

Consider more about Stewardism - The Bible as a 4-Chapter Gospel, and the reweaving of Shalom in our lives. Enjoy this rich discussion with Paul Larsen about engaging with God's Story, flourishing, and moving towards restoration. Book reference: ‘Reweaving Shalom: Your work and the Restoration of All Things.’

This unique offering in the "Beyond Returns" series describes the investor's place in the economic environment. Aaron Kolkman gives a summary of leading, current, and lagging economic indicators, and their relevance to your decisions - all of them, not one of them. Likewise, listeners get a sense of how no one economic or political person directs the economy. Expect this episode to deliver you GREAT. BIG. PERSPECTIVE.

Listen to this first in ASV's "Beyond Returns" Series, as Aaron Kolkman brings clarity to the classic conversation about indexed (passive) and active investing. Learn ways to consider an optimal, global, and long-term approach that is sensitive to fees, but focused on consistency.

Finally, a short summary and a holistic view of OBBBA! Tune out the noise and be encouraged about the years ahead, as Aaron Kolkman brings historical context to the economics of this important set of fiscal policy changes.

A timely and fascinating conversation about creation, innovation, and the role of mankind in the evolution of technology. Listen as Paul Larsen provides historical and biblical context for the era of Artificial Intelligence.

Paul Larsen examines the actions of Stewardship and the mindset of Stewardism. Listen as he and Aaron Kolkman unpack the Stewardism at Work, and Leaving a Legacy.

A big picture summary of the cost of managing returns and risk! Listen to this episode designed to encourage investors towards a net return and analysis, not a fee analyis. Learn about the various fee types, and methods of evaluating the cost of management, but also the net return and risk. Visit www.astewardsview.com for more.

Connecting total returns, risk management, and your goals. Don't miss this critical episode as Aaron Kolkman raises the conversation for investors - away from headlines and hype, and back to purpose-driven goal funding.

Aaron Kolkman weaves current events into the current global economic picture, and advocates for a single investment plan across accounts. Listen, learn, and leverage the perspective offered for investors!

Special guest Wendy Seelhoff offers stewardship perspective about your home as both a refuge and an asset. Listen for insightful market trends and key decision points, for both sellers and buyers.

Aaron Kolkman covers the basics to help you make clearer decisions as you optimize your income tax picture. Get a handle on the income tax plan associated with your investment plan, and start to think in terms of wealth accretion through multi-year tax planning.

Paul Larsen combines work, service, thriving and flourishing into a word: Stewardism. He proposes this mindset as a life approach designed to get more God, and to thereby live abundantly. Multiple scripture references are given, and groundwork is laid for this important weekly series on living a life of Stewardism.

Special guest Paul Larsen summarizes a theology of work, articulates service, and helps remind us of Jesus' answer to who and how we serve.

Understand the merits of total return investing, and the important differences from dividend investing. Listen as Aaron Kolkman articulates caution about the risks of dividend investing, and the reasons that total return investing can be more conservative and consistent.

Aaron Kolkman returns to the basics and articulates the importance of consistent, total return investing for funding life goals.

Special guest Paul Larsen provides a baseline for thinking about Purpose, Mission, and Living a Life of Stewardship. Much more than money, this series offers a fresh look at the "who" and the "why" involved with daily decision-making.

Aaron Kolkman offers insights into a Fed-Treasury Partnership that could save America billions. Plus, how you can handle fixed income yield volatility in the turbulence ahead.

Aaron Kolkman and Christopher Gerber deliver perspective around GDP, the wellness of America's finances, policymaking motives, and your finances.

Put economic indicators in their proper places as Aaron Kolkman unpacks the current economic context for market changes. Plus, connect important relationships between the dollar, Treasuries, and China!

Aaron Kolkman offers added perspective to the likely comeback of indexes in months ahead, the effect of a strong or weak U.S. dollar, and the investor's experience of recession.

Chris Gerber, CFA, connects the tariff process, U.S. fiscal concerns, the consumer, and your decision-making. Add perspective to your decisions with this context around economics, fiscal policy, and consumer behavior.

Chartwell Investment Partners join the program for a focus on US Small and Mid-sized companies. Tim Riddle, CFA, and Theresa Tran, CFA, dive into BRI, their approach to stock-picking, and opportunities for investors.

A new quarter begins amid chaos. Active, passive, and the conversations to come...Special guest Brian Mumbert from Timothy Plan explains Biblically Responisible Investing (BRI).

Paul Larsen integrates faith and finance, offering a biblical view of daily decision-making. Listeners can better understand living a life of stewardship: setting goals, living them out, and leaving a legacy.

Chris Gerber, CFA, breaks down the reordering of GDP and the interest rate picture.

Rebalancing long-term portfolios - taking gains and redeploying capital amid market volatility.