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Q3 Market Gains, Q4 Outlook & Women’s Empowerment with Nicole Middendorf | The Money Path

In this episode of The Money Path, host Todd M. Schoenberger welcomes Nicole Middendorf, CEO of Prosperwell Financial, to break down the markets and discuss strategies for the months ahead.

Nicole shares her insights on the S&P 500’s 7.6% surge in Q3, what investors should expect going into Q4, and why it’s critical to balance optimism with caution. From tariffs and pricing pressures impacting Minnesota businesses to safe-haven strategies like bonds, structured CDs, and buffered ETFs, Nicole offers practical advice for both individuals and business owners navigating today’s volatile economy.

Beyond markets, Nicole opens up about her mission to empower women financially, spotlighting the Nicole Middendorf Foundation’s annual Women’s Empowerment Retreat, happening October 9, 2025, at The Lafayette Club. This event is designed to inspire and uplift women through powerful speakers, breakout sessions, networking, and tools for emotional, physical, and financial growth.

👉 Register for the Women’s Empowerment Retreat here: www.nicolemiddendorf.com

📺 Don’t miss Nicole’s market insights and message of empowerment.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

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See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

WealthWise Live: Bob Elliott on Hedge Fund ETFs & the Future of Alternative Investing

On this episode of WealthWise, host ⁠Jeffrey Hirsch⁠ welcomes ⁠Bob Elliott⁠, CEO and CIO of ⁠Unlimited Funds⁠, for a deep dive into today’s evolving investment landscape.

Bob shares his insights on the sustainability of the current market rally, the growing importance of hedge fund strategies in delivering diversification, and how Unlimited Funds is using ETFs to democratize access to these sophisticated approaches without traditional high hedge fund fees.

The discussion also covers:

The impact of slowing economic growth on investment strategies

How machine learning is reshaping alternative investing

Key trends in hedge fund replication

What the next decade could mean for investors seeking innovative ways to manage risk and capture returns

Don’t miss this conversation with one of Wall Street’s most innovative voices in the alternatives space.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

#FederalReserve #InterestRates #MarketOutlook #Investing #WallStreet #FinancePodcast #Inflation #EconomicTrends #Equities #FixedIncome #Commodities

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See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Rebecca Kacaba on Fan Ownership, Crowdfunding & Redefining Capital Markets

Join co-hosts Todd M. Schoenberger and Tobin Smith on Buy Hold Sell as they welcome Rebecca Kacaba, CEO and co-Founder of DealMaker, for a compelling discussion on how she’s reshaping how companies raise capital. With DealMaker, Rebecca is helping everyday investors become owners — not just consumers — by streamlining and digitizing the fundraising process.

In this episode, Rebecca shares how DealMaker has helped raise over $2 billion in capital by simplifying private placements, deploying AI in verification, and building tailored fundraising platforms rather than generic portals. She walks us through their fee structure, investor scoring, deal timelines, and success stories—from Newsmax’s $65M raise to Proven Skincare and Green Bay Packers investments.

Rebecca also discusses how her model fits alongside traditional capital sources, the power of community-driven ownership, and her vision for applying this model across industries including sports. Don’t miss her insights on the future of capital formation.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

WealthWise Live: Bob Elliott on Hedge Fund ETFs & the Future of Alternative Investing

On this episode of WealthWise, host Jeffrey Hirsch welcomes Bob Elliott, CEO and CIO of Unlimited Funds, for a deep dive into today’s evolving investment landscape.

Bob shares his insights on the sustainability of the current market rally, the growing importance of hedge fund strategies in delivering diversification, and how Unlimited Funds is using ETFs to democratize access to these sophisticated approaches without traditional high hedge fund fees.

The discussion also covers:

The impact of slowing economic growth on investment strategies

How machine learning is reshaping alternative investing

Key trends in hedge fund replication

What the next decade could mean for investors seeking innovative ways to manage risk and capture returns

Don’t miss this conversation with one of Wall Street’s most innovative voices in the alternatives space.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fed Cuts Rates for the First Time Since 2024 — Megan Horneman on What’s Next for Markets

Join Wall Street traders ⁠Todd M. Schoenberger⁠ and ⁠Tobin Smith⁠ on ⁠Buy Hold Sell ⁠for a timely discussion with ⁠Megan Horneman⁠, CIO at ⁠Verdence Capital Advisors⁠. Megan offers expert analysis on the Federal Reserve’s first interest rate cut since December 2024, lowering rates to 4.00%–4.25%, and what it means for markets and the economy.

Key topics include the Fed’s rationale for cutting rates, inflation pressures that may limit flexibility, market reactions across equities, fixed income, and commodities, and the modest impact on consumers’ credit card rates and housing costs. Megan also addresses rising government interest payments and their implications for the future.

This episode delivers actionable insights for investors navigating shifting macroeconomic conditions.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

#BuyHoldSell #MeganHorneman #VerdenceCapital #FederalReserve #InterestRates #MarketOutlook #Investing #WallStreet #FinancePodcast #Inflation #EconomicTrends #Equities #FixedIncome #Commodities

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Distorted Jobs, Structural Limits & Global Edge — Eric Pachman on the Hidden Economy

In this episode of The Money Path, ⁠Todd Schoenberger⁠ sits down with ⁠Eric Pachman⁠, Chief Analytics Officer at ⁠Bancreek Capital Advisors⁠, to pull back the veil on what the U.S. labor market really looks like — and why many headline numbers are misleading.

Eric argues that the healthcare & social assistance sector acts like a distorted “green box” in employment data, masking weakness elsewhere. He shares early signs of layoffs tied to future Medicaid cuts, and warns that without this sector, many industries are already in recession territory.

We also dig into:

How professional & business services have driven most of the job gains despite being a small slice of employment

The structural limits constraining the Fed’s policy tool chest in the face of deep sectoral imbalances

Immigration’s role in sustaining labor supply as participation rates decline

The long-term fallout from declining birth rates on education and soft skills

Bancreek’s ETF approach: how they build quantitative models to identify companies with “institutional endurance”

Why international equities may offer better risk/reward now — and how their BCUS (U.S.) and BCIL (Intl) funds aim to deliver

Whether you’re a macro investor, advisor, or data nerd, this episode unpacks the hidden dynamics behind the headlines and surfaces where real opportunity may lie.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fed Cuts Rates for the First Time Since 2024 — Megan Horneman on What’s Next for Markets

Join Wall Street traders Todd M. Schoenberger and Tobin Smith on Buy Hold Sell for a timely discussion with Megan Horneman, CIO at Verdence Capital Advisors. Megan offers expert analysis on the Federal Reserve’s first interest rate cut since December 2024, lowering rates to 4.00%–4.25%, and what it means for markets and the economy.

Key topics include the Fed’s rationale for cutting rates, inflation pressures that may limit flexibility, market reactions across equities, fixed income, and commodities, and the modest impact on consumers’ credit card rates and housing costs. Megan also addresses rising government interest payments and their implications for the future.

This episode delivers actionable insights for investors navigating shifting macroeconomic conditions.

📢 ⁠⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Distorted Jobs, Structural Limits & Global Edge — Eric Pachman on the Hidden Economy

In this episode of The Money Path, Todd Schoenberger sits down with Eric Pachman, Chief Analytics Officer at Bancreek Capital Advisors, to pull back the veil on what the U.S. labor market really looks like — and why many headline numbers are misleading.

Eric argues that the healthcare & social assistance sector acts like a distorted “green box” in employment data, masking weakness elsewhere. He shares early signs of layoffs tied to future Medicaid cuts, and warns that without this sector, many industries are already in recession territory.

We also dig into:

How professional & business services have driven most of the job gains despite being a small slice of employment

The structural limits constraining the Fed’s policy tool chest in the face of deep sectoral imbalances

Immigration’s role in sustaining labor supply as participation rates decline

The long-term fallout from declining birth rates on education and soft skills

Bancreek’s ETF approach: how they build quantitative models to identify companies with “institutional endurance”

Why international equities may offer better risk/reward now — and how their BCUS (U.S.) and BCIL (Intl) funds aim to deliver

Whether you’re a macro investor, advisor, or data nerd, this episode unpacks the hidden dynamics behind the headlines and surfaces where real opportunity may lie.

📢 ⁠⁠⁠⁠⁠⁠⁠Like⁠⁠⁠⁠⁠⁠⁠ 👍 | ⁠⁠⁠⁠⁠⁠⁠Comment⁠⁠⁠⁠⁠⁠⁠ 💬 | ⁠⁠⁠⁠⁠⁠⁠Subscribe⁠⁠⁠⁠⁠⁠⁠ 🔔 for more in-depth market analysis!

🔗 Website: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://crosscheckmanagement.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠

📧 Contact on Email: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠[email protected] ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

📢 Disclaimer: The views and opinions expressed in this episode are those of the guests and hosts and do not necessarily reflect the official policy or position of CrossCheck Media or Biz Talk Today TV. All content is for informational purposes only and should not be construed as financial, legal, or investment advice. Viewers are encouraged to conduct their own due diligence and consult with a licensed professional before making any financial decisions. A buyer-beware approach is always prudent.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Money Path: Sam Stovall’s Q3 Earnings & Bull Market Outlook — What to Watch in Q4

On this episode of The Money Path, ⁠Todd Schoenberger⁠ sits down with ⁠Sam Stovall⁠, Chief Investment Strategist at ⁠CFRA Research⁠, for a deep dive into where the market is headed. While recent Federal Reserve rate cuts and solid economic signals have pushed stocks to new records, Stovall cautions that no bull run lasts forever — and Q4 may test that strength.

We cover:

What upcoming Q3 earnings from big banks like JP Morgan, Wells Fargo, and Bank of America could reveal about economic resilience.

The historical performance of Q4, where traditionally the S&P 500 has posted gains ~80% of the time, and how small caps, technology, and financials may stand out.

Why valuations are raising eyebrows — especially with earnings growth already priced in. Analysts from UBS and others are forecasting robust earnings, but they warn selectivity is essential.

Market risk indicators: with rising inflation signals, persistent labor constraints, and a Fed that may cut less aggressively than markets hope. Morgan Stanley strategists recently warned the bull could falter without a quicker Fed pivot.

Key takeaways from Stovall:

“We’re in a strong market, no question — but October is historically the most volatile month. Earnings and job data will decide how much steam is left.”

If you want to position your portfolio wisely, this episode’s for you.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The Money Path: Sam Stovall’s Q3 Earnings & Bull Market Outlook — What to Watch in Q4

On this episode of The Money Path, Todd Schoenberger sits down with Sam Stovall, Chief Investment Strategist at CFRA Research, for a deep dive into where the market is headed. While recent Federal Reserve rate cuts and solid economic signals have pushed stocks to new records, Stovall cautions that no bull run lasts forever — and Q4 may test that strength.

We cover:

What upcoming Q3 earnings from big banks like JP Morgan, Wells Fargo, and Bank of America could reveal about economic resilience.

The historical performance of Q4, where traditionally the S&P 500 has posted gains ~80% of the time, and how small caps, technology, and financials may stand out.

Why valuations are raising eyebrows — especially with earnings growth already priced in. Analysts from UBS and others are forecasting robust earnings, but they warn selectivity is essential.

Market risk indicators: with rising inflation signals, persistent labor constraints, and a Fed that may cut less aggressively than markets hope. Morgan Stanley strategists recently warned the bull could falter without a quicker Fed pivot.

Key takeaways from Stovall:

“We’re in a strong market, no question — but October is historically the most volatile month. Earnings and job data will decide how much steam is left.”

If you want to position your portfolio wisely, this episode’s for you.

Learn more about your ad choices. Visit megaphone.fm/adchoices

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.