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Summary:

When board members stay an average of 3 to 5+ years longer than paid staff, their influence becomes decisive, undeniable, and lasting. They are the structural pillars on which nonprofits and foundations depend.

In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv sits down with foundation and nonprofit board leader, Morris Price, for a masterclass on foundation and nonprofit board governance, executive director leadership, and the power dynamics shaping philanthropy today.

Morris breaks down the core functions of effective boards, namely governance, fiduciary responsibility, and board recruitment, while explaining how to alleviate common tensions between paid staff and volunteer board leadership.

Morris offers practical strategies for fundraising training, building a culture of giving, navigating "give‑or‑get" expectations, and strengthening relationships between nonprofit and foundation leadership.

Morris speaks candidly about fear-based decision-making, organizational sustainability, and why donors remain essential to long‑term nonprofit health.

Whether you are a funder or fundraiser, this is a transformative conversation for any leader in philanthropy committed to community‑centered philanthropy.

Produced by: Simuel + Murray, a proudly black and female production company.

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In this solo episode, Michelle Renee Jackson, MDiv host of Black Philanthropy: Our Stories reflects on the last 7 months since BPOS premiered on Father's Day 2025.

In order to guide the direction of BPOS moving forward, Michelle examines the wins, challenges, and hard lessons learned in the last 7 months.

As a podcast in conversation with black leaders leading in a more than half‑trillion‑dollar philanthropy industry, this episode considers how the sector can become a more effective catalyst for Black economic advancement and self-determination.

Michelle addresses the rising layoffs affecting Black people, especially Black women, the disproportionately high Black unemployment rate, and the urgent need to increase how philanthropy reaches Black communities.

This episode also explores how BPOS can help Black leaders in philanthropy break out of silos, collaborate more effectively, and strengthen their collective impact.

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Art Taylor, leads an organization of 25,000+ fundraising professionals globally as the CEO of the Association of Fundraising Professionals (AFP).

He joins host, Michelle Renee Jackson, MDiv to discuss Black fundraising leadership, diversity in philanthropy, and equity in donor engagement.

He reflects on being one of the few Black men in the nonprofit fundraising sector, the isolation many fundraisers of color face, and why institutions often overlook Black donors despite long histories of Black philanthropic giving.

Art iterates the importance of relationship‑building, navigating fundraising "no's," and adapting fundraising strategies amid declining donor participation. Grounded in lessons from his mother, he shares how purpose, service, and everyday generosity sustain his hope in challenging times.

How do we build a vital and inclusive democracy in a time of polarization, uncertainty, and systemic inequities? In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv, sits down with Keesha Gaskins-Nathan, Director of the Democratic Practice Program for the United States at the Rockefeller Brothers Fund, to explore her journey from law school and community organizing to leading philanthropic strategies that strengthen democratic systems and culture.

Keesha shares how her upbringing, her parents' influence, and her early career in law and advocacy shaped her commitment to racial and gender justice. She discusses why voting is an expression of power, the ethical complexities of philanthropy, and why not all money is good money. This episode dives deep into future-oriented leadership, the grieving process of letting go of old paradigms, and the courage nonprofits need to say 'no' when funding misaligns with mission.

This conversation is a masterclass in strategic foresight, equity-driven philanthropy, and sustaining hope through intentional action.

Subscribe on Apple, YouTube, Spotify, or wherever you listen to podcasts.

Recorded on August 5, 2025

· Why voting rights and democratic engagement matter now more than ever

· How the Future Bound project is reshaping leadership and systems for the next generation

· Why nonprofits must learn to say 'no' and protect mission integrity

· How grief and unlearning are essential for transformative leadership

· How to embed futures and forecasting practices into your organization

· Why relationship-building matters more than chasing dollars

· How to evaluate funding opportunities and avoid mission drift

· Strategies for sustaining hope and resilience in advocacy work

· Why diversity—of thought, resources, and leadership—creates stronger systems

Michelle Renee Jackson is an award-winning storyteller and leader in philanthropy, known for using film and visual storytelling to help organizations secure transformational gifts. She is the Founder and Principal Artist of Simuel + Murray, a production company with bases in New York and Los Angeles. Michelle's work has redefined how nonprofits connect with donors through compelling narratives. Connect on: LinkedIn: https://www.linkedin.com/in/michellereneejackson/ Instagram: @michelle.renee.jackson

Keesha Gaskins-Nathan is a nationally recognized leader in democratic reform and racial justice. She directs the Democratic Practice–United States program at the Rockefeller Brothers Fund, advancing strategies to strengthen democratic systems and culture. Her career spans law, organizing, and policy advocacy, including roles as Senior Counsel at the Brennan Center for Justice and Executive Director of the League of Women Voters Minnesota. Keesha serves as Board Chair of The Workers' Lab and holds advisory roles with national civic initiatives. A former adjunct professor at Columbia University, she is an Atlantic Fellow for Racial Equity and Aspen Ideas Scholar.

Connect on: LinkedIn: https://www.linkedin.com/in/keeshagaskins/

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Produced by Simuel + Murray

The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. Listeners should consult their own attorney or financial advisor for guidance. This episode does not provide legal or financial advice.

What does it take to transform a life from selling drugs to raising millions for nonprofits? In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv, sits down with Ken Miller, CFRE, a nationally recognized fundraising strategist, mentor, and advocate for Black men in development. Ken's story is one of resilience, faith, and purpose—a testament to the power of second chances and the calling to serve. Ken opens up about his early life in foster care, his struggles with addiction, and the years he spent incarcerated. He shares how a $10 crack cocaine sale led to a six-year prison sentence—and how that moment became the turning point toward a life of impact. Today, Ken is a Certified Fundraising Executive who has raised millions for nonprofits and tribal communities, founded Men of Color in Development, and mentors Black men across the country to thrive in philanthropy. This episode is raw, inspiring, and packed with lessons on courage, integrity, and the transformative power of giving. Subscribe on Apple, YouTube, Spotify, or anywhere you listen to podcasts.

· Ken's journey from foster care, addiction, and prison to becoming a CFRE

· How fundraising became his passion—and why he calls it 'gratitude in action'

· The role of faith and self-esteem in overcoming fear of 'the ask'

· Why Black men are underrepresented in fundraising and what Ken is doing to change that

· How mentorship and representation can transform careers and communities

· How to make fundraising asks with confidence and courage

· Why self-esteem is critical for success in development roles

· Strategies for retaining Black men in the fundraising profession

· How to build authentic donor relationships that lead to major gifts

· The importance of integrity and mentorship in leadership

Recorded on: August 19, 2025

Michelle Renee Jackson, MDiv is an award-winning storyteller and leader in philanthropy, known for using film and visual storytelling to help organizations secure transformational gifts. She is the Founder and Principal Artist of Simuel + Murray, a production company with bases in New York and Los Angeles. Michelle's work has redefined how nonprofits connect with donors through compelling narratives. Connect on: LinkedIn: https://www.linkedin.com/in/michellereneejackson/ Instagram: @michelle.renee.jackson

Ken Miller is an author, speaker, and the founder of Denali FSP, a consulting firm dedicated to helping organizations achieve sustainable funding. His book, Becoming Ken: One Black Man's Journey from Ivy League to Prison and Back Again, chronicles his powerful story of resilience, redemption, and authenticity. Through his keynotes and programs like "From Rock Bottom to Resilience," Ken inspires audiences to embrace truth, face adversity, and make meaningful life choices. Connect on: LinkedIn: https://www.linkedin.com/in/kenmiller84/ Website: https://kenmillerspeaks.com

We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. Drop a review or 5-star rating—it only takes a second and helps spread the word about the podcast.

Produced by Simuel + Murray

The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. Listeners should consult their own attorney or financial advisor for guidance. This episode does not provide legal or financial advice.

How does one help to embed equity into the DNA of a major philanthropic institution like the Robert Wood Johnson Foundation? In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv, speaks with Maisha Simmons, Associate Vice President of Equity and Culture at RWJF. Together, they discuss how Maisha leads efforts to operationalize equity, diversity, and inclusion across RWJF's programs and policies.

Maisha reflects on her journey from grassroots community development to national leadership, including early roles in grant writing, advocacy, and public health. She shares insights into RWJF's reparative philanthropy work, the emotional and strategic dimensions of equity leadership, and the importance of centering community in every solution.

This episode offers valuable lessons for funders, nonprofit leaders, and equity advocates seeking to understand how institutional change happens and why it must be rooted in justice.

Available on Apple Podcasts, Spotify, and wherever you listen.

In this episode, you will hear:

• Maisha's career path from community development to RWJF
• How her work evolved from childhood obesity prevention to reparative philanthropy
• The mission and impact of RWJF's Equity and Culture department
• Why centering community is essential to health equity
• The role of lived experience in shaping philanthropic strategy
• Reflections on legacy, leadership, and systemic repair

Skills and insights you'll learn:

• How to operationalize equity in large institutions
• Why reparative philanthropy goes beyond traditional grantmaking
• How to build sustainable, community-rooted strategies
• Navigating power dynamics in philanthropy
• The importance of historical context in equity work
• How to lead boldly while staying grounded in purpose

About Maisha Simmons: Maisha Simmons is Associate Vice President of Equity and Culture at the Robert Wood Johnson Foundation. Since joining RWJF in 2008, she has led initiatives in health equity, violence prevention, family-supportive policies, and state-based strategies in New Jersey. Her work centers on embedding equity into institutional systems and advancing reparative practices in philanthropy.

Maisha has held senior roles at the NAACP and United Way and began her career in community development and public health. She is an ABFE Fellow and recipient of the 2015 Emerging Leader Award from the Association of Black Foundation Executives.

She holds an MPA from CUNY/Baruch College, a master certificate from Kean University, and a BA from Douglass College at Rutgers University.

Connect on LinkedIn: https://www.linkedin.com/in/maisha-simmons-ba02494/

About the Host – Michelle Renee Jackson, MDiv: Michelle Renee Jackson is an award-winning storyteller, writer-director, and host of Black Philanthropy: Our Stories. She is the Founder and Principal Artist of Simuel + Murray, a production company named after her grandmothers' maiden names, with bases in New York and Los Angeles. Her work has helped organizations secure their largest gifts through compelling visual storytelling. She has delivered keynotes at Harvard, Yale, Hulu, and Georgetown.

Connect on LinkedIn: Michelle Renee Jackson Instagram: @michelle.renee.jackson Website: www.michellereneejackson.com

Podcast Pages:

Website: Black Philanthropy: Our Stories

Follow and Review: Follow the show on Apple Podcasts by clicking the '+' in the top right corner. Leave a review or 5-star rating to help others discover the show. Go to "Ratings and Reviews" and "Write a Review."

Produced by Simuel + Murray

Disclaimer: The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. This podcast is for informational purposes only and does not constitute legal or financial advice.

How do leaders in philanthropy navigate challenges to their mission, purpose, and legacy in a time of political uncertainty and social change? In this episode of Black Philanthropy: Our Stories, a Simuel + Murray podcast, host Michelle Renee Jackson, MDiv, sits down with Rey Ramsey, President and CEO of the Nathan Cummings Foundation, to explore his journey from fundraiser to funder, and the strategy he uses to lead the Foundation through challenging times.

Rey shares how his upbringing in Philadelphia, the influence of his sixth-grade teacher, and his early career in fundraising shaped his commitment to "lifting the human spirit." He discusses the ethical complexities of philanthropy, the importance of honoring ancestors, and the power of saying "yes" to those often told "no."

This episode is a masterclass in partner-centered leadership, radical pragmatism, and the pursuit of justice through mission-focused investments, storytelling, courage and service.

Subscribe on Apple, YouTube, Spotify, or wherever you listen to podcasts.

In this episode, you will hear:

• Rey's journey from fundraiser to CEO of a half-billion-dollar foundation
• The promise he made to his sixth-grade teacher that shaped his life's mission
• Why he banned the word "grantee" and replaced it with "partner"
• How the Nathan Cummings Foundation is investing in racial, economic, and environmental justice
• How venture grants are changing the game for emerging changemakers
• Why justice is not illegal and why foundations must stay mission-aligned in turbulent times
• The story behind Rey's upcoming book, Tyranny of False Choices (Forbes, March 2026)

Skills and Tips You'll Learn:

• How to defend your foundation's mission in politically-charged climates.
• Why investing is different from spending and why it matters
• How to build authentic relationships with funders and partners
• Navigating fear, compliance, and courage in today's philanthropic landscape
• How to use data, storytelling, and radical pragmatism to drive impact
• Why legacy is built through investments, not accolades

Recorded on October 3, 2025

About Rey Ramsey:

Rey Ramsey is the CEO of the Nathan Cummings Foundation, where he oversees a half-billion-dollar endowment focused on racial, economic, and environmental justice. A former fundraiser and nonprofit leader, Rey brings decades of experience in housing, human services, and impact investing. He is the creator of the web series Diary of a Single Mom and author of the forthcoming book Tyranny of False Choices.

Rey is passionate about removing barriers, expanding access, and investing in people and ideas that drive social change.

Connect on: www.nathancummings.com

https://www.linkedin.com/in/rey-ramsey-992263a/

About the Host – Michelle Renee Jackson, MDiv:

Michelle Renee Jackson is an award-winning storyteller and leader in philanthropy. She is the Founder and Principal Artist of Simuel + Murray, a production company named after her grandmothers' maiden names, with bases in New York and Los Angeles. Michelle's work has helped organizations secure their largest gifts through compelling visual storytelling. A sought-after speaker, she has delivered keynotes at Harvard, Yale, Hulu, and Georgetown.

Connect on: LinkedIn: www.linkedin.com/in/michellereneejackson Instagram: @michelle.renee.jackson Website: www.michellereneejackson.com

Podcast Pages:

Website: https://www.simuel-murray.com/podcast-black-philanthropy LinkedIn: https://www.linkedin.com/showcase/black-philanthropy-our-stories-the-podcast

Follow and Review:

If you haven't yet, follow us by clicking the '+' in the top right corner of your Apple Podcasts app. Drop a review or 5-star rating to help others discover the show. Just go to "Ratings and Reviews" and "Write a Review"—it only takes a moment and makes a big difference.

Produced by Simuel + Murray

www.simuel-murray.com

Disclaimer

The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. This podcast is for informational purposes only and does not constitute legal or financial advice. Please consult your own legal or financial professional for guidance specific to your situation.

How can small nonprofits build sustainable revenue, access philanthropic data, and stay rooted in community? In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv, sits down with Francesca Axam Frederick, a fundraiser, strategist, and tech entrepreneur whose journey from dance to data is reshaping how grassroots organizations engage with philanthropy.

Francesca shares how her early experiences in the arts led her to fundraising, why she transitioned into human services, and how she and her husband launched Grantyd, a tech platform designed to support small nonprofits with grant research, data visualization, and equity-centered tools. She opens up about the emotional toll of fundraising as a Black woman, the importance of relationship-building, and why she believes access to information is a form of justice.

This episode is a masterclass in equity-driven innovation and a call to action for fundraisers, nonprofit leaders, and anyone committed to transforming philanthropy from the ground up.

Subscribe on Apple, YouTube, Spotify, or anywhere you listen to podcasts.

In this episode, you will hear:

• Francesca's journey from contemporary dancer to fundraiser
• Why she left performance for community-centered work
• The founding story of Grantyd and its mission to support grassroots nonprofits
• How data access and visualization can empower small organizations
• The emotional realities of fundraising in predominantly white donor spaces
• Why sustainable revenue models matter more than quick wins
• How hope and legacy fuel her work

Skills and Tips You'll Learn:

• How to build relationships with funders beyond the ask
• Why "no" in fundraising often means "not right now"
• How to use data to drive strategy and storytelling
• Tips for small nonprofits to diversify revenue and avoid burnout
• How to navigate power dynamics and stay mission-aligned
• Why tech and equity must go hand in hand

About Francesca Axam Frederick:

Francesca Axam Frederick is the CEO and co-founder of Grantyd, a subscription-based platform that helps small nonprofits access philanthropic data and streamline grant writing. With a background in arts and human services fundraising, Francesca has worked with organizations like Covenant House Georgia, Atlanta Ballet, and Clark Atlanta University.

Her work centers equity, access, and sustainability for grassroots organizations. Francesca is passionate about helping nonprofits visualize their data, build relationships with funders, and create long-term impact in their communities.

Connect on:

LinkedIn: http://www.linkedin.com/in/francesca-axam-frederick/

Instagram: @frankie_francesca

Website: www.Grantyd.com

About the Host – Michelle Renee Jackson, MDiv:

Michelle Renee Jackson is an award-winning storyteller and leader in philanthropy. She is the Founder and Principal Artist of Simuel + Murray, a production company named after her grandmothers' maiden names, with bases in New York and Los Angeles. Michelle's work has helped organizations secure their largest gifts through compelling visual storytelling. A sought-after speaker, she has delivered keynotes at Harvard, Yale, Hulu, and Georgetown.

Connect on:

LinkedIn: www.linkedin.com/in/michellereneejackson/

Instagram: @michelle.renee.jackson

Website: www.michellereneejackson.com

Podcast Pages:

Website: https://www.simuel-murray.com/podcast-black-philanthropy

LinkedIn: https://www.linkedin.com/showcase/black-philanthropy-our-stories-the-podcast

Follow and Review:

We'd love for you to follow us if you haven't yet. Click the '+' in the top right corner of your Apple Podcasts app. Drop a review or 5-star rating to help others discover the show. Just go to "Ratings and Reviews" and "Write a Review"—it only takes a moment and makes a big difference.

Produced by Simuel + Murray

Disclaimer

The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. This podcast is for informational purposes only and does not constitute legal or financial advice. Please consult your own legal or financial professional for guidance specific to your situation.

What can philanthropy learn from military leadership, ancestral resilience, and faith-driven service? In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv, sits down with Darrin Goss Sr., President & CEO of Coastal Community Foundation, to explore his journey from Army officer and minister to foundation president.

Darrin shares how his Charleston roots, military training, and ministerial calling shaped his approach to leadership in philanthropy. With over 30 years of experience across sectors, he offers his perspective on hope, influence as capital, and the role of Black professionals in shaping the future of philanthropy.

Subscribe on Apple, YouTube, Spotify, or anywhere you listen to podcasts.

- How military service and ministry shaped his leadership style

- Reflections on ancestral resilience and honoring those who 'didn't jump'

- The challenges of DEI backlash and tokenism in philanthropy

- Why he believes in developing future leaders and building his own "coaching tree"

- How philanthropy must adapt its tactics while staying true to its mission

- How to lead with empathy and strategic influence

- Ways to support and mentor emerging philanthropic professionals

- How to navigate fear, hope, and complexity in leadership

- Why emotional intelligence is essential in grantmaking and community work

- How to respond to DEI skepticism with results and integrity

Recorded on April 10, 2025

Michelle Renee Jackson, MDiv is an award-winning storyteller and leader in philanthropy, where she has used her expertise in film, videography, and photography to help organizations secure their largest gifts. She is the Founder and Principal Artist of Simuel + Murray, a production company named after her grandmothers' maiden names, with bases in New York and Los Angeles.

Connect on:

LinkedIn: https://www.linkedin.com/in/michellereneejackson/

Instagram: @michelle.renee.jackson

Darrin Goss Sr. is President & CEO of Coastal Community Foundation, the largest community foundation in South Carolina. Under his leadership, the Foundation has doubled its assets and distributed over $190 million in grants and scholarships. A U.S. Army veteran and ordained minister, Darrin brings strategic discipline and a deep commitment to equity, policy advocacy, and leadership development. He previously held leadership roles in corporate, higher education, and nonprofit sectors, and serves on several national and regional boards.

Connect on:

LinkedIn: https://www.linkedin.com/in/darrin-goss-sr-b07a49a/

We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select 'Ratings and Reviews' and 'Write a Review,' then leave a quick note with your favorite part of the episode. It only takes a second and helps spread the word about the podcast.

Produced by Simuel + Murray

The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. This episode is for informational and storytelling purposes only and does not constitute legal, financial, or professional advice. Listeners should consult their own attorney, financial advisor, or other qualified professionals for guidance specific to their situation.

What does it mean to center Black women's healing, challenge philanthropy's contradictions, and reclaim joy as a radical act? In this episode of Black Philanthropy: Our Stories, host Michelle Renee Jackson, MDiv, sits down with Dr. Yanique Redwood—author, strategist, and former foundation CEO—to explore the emotional, structural, and spiritual dimensions of Black women's experiences in philanthropy. Dr. Redwood shares the journey behind her powerful book White Women Cry and Call Me Angry, a memoir that speaks directly to Black women navigating racism in philanthropic spaces. From her early days at the CDC to leading a foundation and now consulting from Jamaica, Dr. Redwood offers a personal reflection on burnout, healing, and the courageous act of specificity. This episode is a love letter to Black women and a call to build new institutions rooted in justice, integrity, and care. Subscribe on Apple, YouTube, Spotify, or anywhere you listen to podcasts.

· Why Dr. Redwood wrote White Women Cry and Call Me Angry for Black women

· The emotional toll of racism in philanthropic institutions

· How healing and pleasure became central to her leadership journey

· What it means to leave the U.S. as a form of healing

· The power of specificity in storytelling and advocacy

· How Black women are creating freer lives across the diaspora

· How to protect your mental health while doing racial justice work

· Why healing is essential for sustainable leadership

· How to navigate burnout and reclaim joy

· The importance of community and reciprocity in healing

· How to stay grounded in your values while challenging harmful systems

Recorded on August 1, 2025

Michelle Renee Jackson, MDiv is an award-winning storyteller and leader in philanthropy, where she has used her expertise in film, videography, and photography to help organizations secure their largest gifts. She is the Founder and Principal Artist of Simuel + Murray, a production company named after her grandmothers' maiden names, with bases in New York and Los Angeles. Michelle's storytelling has transformed how philanthropic organizations connect with their audiences, distinguishing them through compelling visual narratives. Her work has been a game-changer in philanthropy. A sought-after speaker, she has delivered keynotes at institutions such as Harvard, Yale, Hulu, and Georgetown. Michelle is dedicated to helping foundations and nonprofits exceed their goals through the power of story.

🔗 Connect on:

LinkedIn: https://www.linkedin.com/in/michellereneejackson/

Instagram: @michelle.renee.jackson

Dr. Yanique Redwood is the author of White Women Cry and Call Me Angry: A Black Woman's Memoir on Racism and Philanthropy. She is the former President and CEO of the Consumer Health Foundation (now IF: A Foundation for Radical Possibility), and previously served at the Annie E. Casey Foundation and the CDC. Now based in Jamaica, Dr. Redwood leads a consulting practice called Collective Work, supporting philanthropic organizations in developing racial justice strategies rooted in integrity and healing. Her work centers Black women's experiences and offers pathways to transformation through storytelling, strategy, and somatic practice. She is also co-author of We Quit America, a book exploring the lives of Black women who have left the U.S. to live freer lives abroad.

🔗 Connect on:

Websites: https://whitewomencry.com | https://wequitamerica.com

LinkedIn: https://www.linkedin.com/in/yanique-redwood

We'd love for you to follow us if you haven't yet. Click that purple '+' in the top right corner of your Apple Podcasts app. We'd love it even more if you could drop a review or 5-star rating over on Apple Podcasts. Simply select "Ratings and Reviews" and "Write a Review," then leave a quick note with your favorite part of the episode. It only takes a second and helps spread the word about the podcast.

Produced by Simuel + Murray

The views and opinions expressed in this episode are those of the host and guest and do not necessarily reflect the official policy or position of any organizations they are affiliated with or employed by. This podcast is for informational purposes only and does not constitute legal or financial advice. Please consult your own legal or financial professional for guidance specific to your situation.