It's All Money: Daily Summaries Delivered

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Inside Impact100 Sonoma: The Women's Giving Circle Changing Sonoma Valley

"The women have taken over It's All Money!" - Jackie Egidio, 2026On a special episode of It's All Money, Sonoma Wealth COO Jackie Egidio and Financial Advisor Shelby Wirick dive deep on supporting critical needs in the Sonoma Valley with Leslie Blankenship and Cristine McMillan of Impact100 Sonoma. Impact100 Sonoma is a women's giving circle that started in 2009 with a simple idea: 100 women give $1,000 each to fund one $100,000 grant. Sixteen years later the group has 330 members and has granted close to $5 million back directly to the area, from Schellville to Kenwood. In this episode you'll discover:• The feedback from local nonprofits after COVID that changed the whole grant model, and got the chapter recognized nationally.• The question men keep asking about women's giving circles, and what the research says women do differently when they give.• How Donor Advised Funds, a charitable account many people have never heard of, can turn one big tax year into years of giving. (Full whitepaper here: https://sonomawealthadvisors.com/resources/whitepapers/article/2026/10/dafs)Whether you're thinking about joining, giving, or just want to see what a few hundred neighbors can do together, this episode of It's All Money highlights the power of local giving up close.See it in person: Impact100 Sonoma's Grant Recipients Update Meeting is open to the public for the first time this year. It's on Thursday, October 22, from 4 to 6 p.m. at the Sebastiani Theatre in Sonoma. You'll hear the 16 most recently funded nonprofits share what their grants made possible. Walk-ins are welcome, but they'd appreciate it if you register: https://www.impact100sonoma.org/event-6584995Learn more about Impact100 Sonoma: https://impact100sonoma.orgThanks to Matt and Brooke Sevenau for the hospitality in their new recording space.Full video available on our YouTube Channel: https://youtu.be/vUxrKajlQj8Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysisCHAPTERS0:00 Cold Open: The Women Take Over1:33 What Is Impact100 Sonoma?2:55 How Impact100 Picks Its Grant Recipients5:10 Part Of A Global Giving Network6:26 Why Shelby Joined7:17 The Biggest Needs In Sonoma Valley Right Now8:46 How Women's Giving Is Different11:39 Women Uplifting Women12:29 The COVID Pivot That Changed The Grant Model16:53 The Encore Grant: Two Years Of Funding18:59 Donor Advised Funds And Charitable Giving21:04 Why Legacy Giving Matters To Impact10023:12 How To Get Involved23:43 The "Wealthy Women In Hats" Myth26:37 Events, Committees And Patio Parties30:06 The Grant Recipients Update Meeting32:02 Closing Thoughts32:51 Credits & OutroReferences: https://impact100sonoma.org/About https://impact100sonoma.org/Apply-for-a-Grant https://members.sonomachamber.org/news/Details/impact100-sonoma-increases-2027-maximum-grant-about-for-non-profits-358369 https://www.sonomanews.com/2025/10/08/impact100-grants-nonprofits/ https://www.irs.gov/charities-non-profits/charitable-organizations/donor-advised-funds https://impact100sonoma.org/page-18402 https://www.impact100sonoma.org/event-6584995

Social Security at 62 vs 70: What to Know Before You Claim

Would you take $20 now or $40 in a week? Deciding when to claim Social Security can feel like the same test, with far more money on the line. Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir are joined on It's All Money by Certified National Social Security Advisor Clay Dunkle CFP® to unpack when claiming may make sense and when waiting might cost you.In this episode:• Why a shrinking trust fund isn't the same as Social Security disappearing.• The go-go, slow-go and no-go years, and why they could matter for your claiming age.• A hypothetical example comparing claiming at 62, 67 and 70.• Three claiming mistakes Clay has seen leave money on the table.Full video available on our YouTube Channel: https://youtu.be/7TqbtJwMo_kBook your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysisCHAPTERS0:00 Cold Open: $20 Now Or $40 Later?0:56 Welcome: When To Claim Social Security1:47 What Social Security Is Designed To Do2:35 The $40 Trillion Debt And Social Security Worries3:52 Claiming At 62, Full Retirement Age, Or 704:27 Clay's National Social Security Advisor Certification6:12 The Forgotten Part Of Retirement Planning7:30 How Your Portfolio Affects When You Claim8:59 Your Portfolio's Dependency Factor12:26 What's Underneath Social Security And Pensions15:41 How The Trust Fund Shortfall Might Be Covered18:28 Why CPI Adjustments Matter19:32 Tax Planning And The Golden Window22:44 Tinfoil Hat Time: RMD Ages And Social Security24:29 Does Anyone Regret Claiming Early?26:51 Health, Longevity, And Break-Even Age30:18 The Go-Go, Slow-Go, And No-Go Years32:39 Can AI Plan Your Retirement?33:44 A Hypothetical Example: Claiming At 62, 67, Or 7036:12 3 Things To Know Before You Claim37:17 3 Common Claiming Mistakes39:08 Tips For Meeting With Social Security40:10 Closing Thoughts40:29 Credits & OutroReferences: https://www.ssa.gov/benefits/retirement/planner/agereduction.html https://www.ssa.gov/benefits/retirement/planner/delayret.html https://www.ssa.gov/oact/trsum/index.html https://www.ssa.gov/faqs/en/questions/KA-02471.html https://www.ssa.gov/survivor/amount https://www.ssa.gov/blog/en/posts/2025-05-29.html https://www.ssa.gov/benefits/retirement/social-security-fairness-act.html https://www.ssa.gov/faqs/en/questions/KA-01741.html

$145 Trillion Is BORING? - Bonds Explained

The global bond market is nearly three times the size of the US stock market, yet many don't know how it actually works. Sonoma Wealth Managing Principal Chris Sipes joins Marketing Director Dano Weir this week on It's All Money to explain the major types of bonds, how prices and yields move together, and why the current rate environment matters for mortgages, 401(k)s, and retirement income. In this episode: Defining what a bond actually is and detailing the massive size of the total market. Detailing the 4 types of bonds available and what scenarios they apply to. Detailed explanation of how bonds actually work. Where could bonds fit in a portfolio, and why do some investors consider them “boring”? Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis Sources: https://www.sec.gov/data-research/statistics-data-visualizations/us-households-participation-capital-markets https://smartasset.com/retirement/size-of-stock-market-vs-bond-market https://www.thenationaldebt.us/basics _______________________________________ 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.

Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73

Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73 Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving move you didn't even know you had. In the latest episode of It's All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir walk through: • The four traps hiding inside that required distribution. • Why the window to get ahead of them closes before you turn 73. • The three moves you can take as a retiree to optimize or adjust to these conditions. If you'd rather protect your heirs or portfolio than just write the check, check out this episode. Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis Sources: RMD Basics / Age 73 Rules https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs https://www.schwab.com/learn/story/rmd-reference-guide https://www.fidelity.com/retirement/required-minimum-distributions IRMAA / Medicare Premium Surcharges https://www.medicareresources.org/medicare-eligibility-and-enrollment/what-is-the-income-related-monthly-adjusted-amount-irmaa/ https://incomelaboratory.com/irmaa-brackets-2026-guide/ https://www.instead.com/resources/blog/rmds-impact-on-tax-brackets-and-medicare-premiums https://www.schwab.com/learn/story/how-higher-income-can-affect-medicare-premiums Social Security Taxation Thresholds https://www.troweprice.com/en/us/insights/the-impact-of-social-security-benefits-on-your-taxes https://www.greenbushfinancial.com/all-blogs/social-security-tax-strategy https://www.congress.gov/crs_external_products/R/HTML/R48613.html https://www.schwab.com/learn/story/before-and-after-managing-social-security-taxes Qualified Charitable Distributions (QCDs) https://www.schwab.com/learn/story/reducing-rmds-with-qcds https://www.fidelity.com/retirement-ira/required-minimum-distributions-qcds https://www.fidelitycharitable.org/guidance/philanthropy/qualified-charitable-distribution.html https://www.congress.gov/crs-product/IF11377 Inherited IRA / Heir Protection (SECURE Act 10-Year Rule) https://investor.vanguard.com/investor-resources-education/retirement/rmd-rules-for-inherited-iras <a href="https://www.irs.gov/

Retro Games Earn Returns? The Entrepreneurial Success Of Nostalgia Alley

If you had $55,000 cash, buying 10 unopened boxes of used video games probably wouldn't be the first investment you'd choose. But when you're Jason and Rebecca Moorhouse of Petaluma, you have a system in place to turn those games into a potential 20%, 30% or even 40% return. This week on It's All Money, Sonoma Wealth Marketing Director Dano Weir breaks down the fascinating business and investment story of Nostalgia Alley, a retro video game store in Petaluma. Watch the episode and learn: • Why a 40 year old Nintendo game that should be worth $4 is actually worth $20,000 (and rising). • The secret to becoming one of the busiest storefronts in all of downtown Petaluma. • How owning a game store led Jason to become a character in a game! • How their retail video game business has expanded into a video game event space (and even hosted a wedding). • The customer service secrets to build a dedicated, expanding fanbase. Whether you enjoy the business lessons or the fun of gaming, we invite you to check out this in-depth look at a true gem in downtown Petaluma, Nostalgia Alley. Learn about the store, how to liquidate old games and booking their event space for parties here: https://www.nostalgiaalleygames.com/Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis _______________________________________ 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.

Detailing Into Dollars: How One Sonoma Couple Keeps Millions In Assets Sparkling

Protecting millions in luxury automobiles and millions in real estate takes two qualities- precision and trust. We are excited to share the entrepreneurial stories of Ivan Jimenez of Sonoma Auto Spa and Alison Pulido of Green Casa Cleaning in the latest episode of our podcast It's All Money. In this episode you'll discover: How Ivan took his business from sedans to supercars. The importance of non-toxic ingredients to Green Casa’s mission. How diligence and execution led them both to work with Rolls Royce, Sonoma Raceway and more. The challenges and benefits of owning multiple businesses as husband and wife. We hope you find insight and inspiration in this incredible story of business success. Learn more about how Ivan and Allison help clients stay on point here: https://sonomautospa.com/ https://greencasacleaning.com/ Shot on location at Sonoma Raceway – Radical Northwest shop: https://www.radicalnorthwest.com/ Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis _______________________________________ 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.

How The New Fed Chair Could Change Your Mortgage Rate

Kevin Warsh is the new Fed chair, and real estate buyers (and sellers) want to know what that means for mortgage rates. In his first Fed Meeting this week, rates held, with 9 governors indicating a potential increase this year. Sonoma Wealth Marketing Director Dan Weir and Advisor Clay Dunkle sit down with Linda Zaiss, VP of Mortgage Lending at Rate in Napa with 26 years at the closing table for a deep dive on interest rate scenarios: • How the bond market, not just the Fed, drives what you pay on your home loan. • The tricky pickle that the Fed currently finds itself in between rates and inflation. • The counterintuitive reason high interest rates can actually help buyers. Whether you're buying, refinancing, or just watching the numbers, you'll get our take on rates in the latest episode of It's All Money. Learn more about Linda Zaiss, VP of Mortgage Lending at Rate in Napa: https://www.rate.com/loan-officers/linda-zaiss-8991 https://www.instagram.com/lindazaiss/ Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis References: https://www.npr.org/2026/06/17/nx-s1-5860084/fed-chief-warsh-first-fomc-meeting _______________________________________ 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.