Real Estate Headlines hurt these days don’t they? 

“Pending Sales Hit All Time Low” 
“Forecast Downgraded” 
“Commision Litigation Could Impact Sales” 
“REAL ESTATE HALTED” 

While trends, data and comps matter, in real estate every deal is unique and individual.  Your friend’s house price doesn’t matter as much as your list price, your offer price.  This week on It's All Money, host Dano Weir and Sonoma Wealth Advisor Shelby Wirick go in search of real answers from realtors actually doing deals right now-  Kristie Eddy and Mary Bienek from Sotheby’s, Morgan Devencenzi from eXp, Chris Meadors from Compass, Mary Fillinger from Hedge and Miguel Paredes III from Holmes Burrell.   
Collectively the panel has over $1 billion in real estate transactions across dozens of years in Sonoma, Napa, Marin Counties and beyond. 
Find answers to these questions and more: 
 

• How did the market change in 2024?
• Why is this alleged “bad market” actually a benefit for buyers?
• What is the *deal* with the commission thing?
• Is Zillow even close to correct?
• Why is there “no such thing” as a bad interest rate? 

Enjoy this encouraging and educational look at what happened and what could be next in real estate in 2025.   
Filmed on-location at SOMO Cowork in Rohnert Park, CA: https://www.somocowork.com/ 

Guests on the show include: 
 
Kristie Eddy 
Sotheby’s International Realty 
(949) 577-1717 
[email protected] 
http://www.kristieeddy.com/ 
DRE# 02095273 
 
 
Mary Bienek, Realtor 
Sotheby's International Realty 
(707) 787-8659 
[email protected] 
https://www.sothebysrealty.com/eng/associate/180-a-3176-66368357/mary-bienek 
DRE#01877389 
 
 
 
Morgan Devencenzi 
Sullivan Group @ eXp Realty 
(707) 696.8654 
[email protected] 
https://morgansullivan.exprealty.com/index.php 
DRE Number: 02092448 
 
Miguel Paredes III  
Holmes Burrell Real Estate 
(415) 233-3235  
[email protected]  
https://miguel.viewnorthbayhomes.com/ 
DRE License# 01790855 
 
Chris Meadors 
Compass Napa and Sonoma 
(707) 287-3528 
[email protected]  
https://www.meadorsgroup.com/ 
DRE #02024636 
 
Mary Fillinger 
Pearson Fillinger Group @ Hedge Realty 
(650) 703-4800 
[email protected] 
https://pearsonfillinger.com/ 
#02147040 
 
 
 
Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ 
 
Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ 

 
References: 
https://spectrumnews1.com/ca/southern-california/housing/2024/09/30/home-turnovers-are-at-their-lowest-level-in-30-years 
https://www.nytimes.com/2024/12/11/realestate/housing-market-2024-2025.html 
https://www.realestatenews.com/2025/03/24/home-sales-optimism-fades-with-nar-economists-new-forecast 
https://www.reuters.com/markets/us/us-pending-home-sales-tumble-record-low-january-2025-02-27/ 
 
https://www.northbaybusinessjournal.com/article/industry-news/sonoma-county-lost-decade-of-new-housing-in-2008-financial-crisis/ 
https://rocket.com/homes/market-reports/ca/sonoma-county 
https://www.resiclubanalytics.com/p/the-vanishing-young-homebuyer-median-first-time-homebuyer-age-jumps-from-28-in-1991-to-38-in-2024 
 
 
 
Credits: 
Voiceover - Dano 
Music – Neon Beach “Sparkle Rising” https://www.youtube.com/watch?v=bAyi2K2L_lo 
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. 
The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed.  Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information.  A professional advisor should be consulted before implementing any of the options presented. 
Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. 
Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

You don’t want to hear this episode.
No one does.

But you probably need to watch this episode.If you’re in the orbit of Sonoma Wealth, then you’re a planner.  You’ve planned your whole life, and yes, you can plan your death too.But why bother?Did you know depending on the situation, the government can take 40% of what you have just to transfer it from you to your loved ones?  Did you know making every kid mutual trustee on your estate can actually be a problem for them?  What if the mark you wanted to leave on the world wasn’t left the way you want it?Hard questions to ask, answer and hear.On a special episode of It’s All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® shares his own experiences as a participant in countless estate plans. He details the many mistakes that could potentially be avoided and the peace you can provide for your family with a clear plan.

Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

“Money’s all in your mind” sounds pretty hokey, doesn’t it?  But trace every decision you’ve ever made in life, including your money.  Where did it all flow from?  Right 😉🧠.At Sonoma Wealth Advisors, we offer a holistic approach for our clients (and future clients!).  This includes starting at square 1, or even square 0-  How do you think about money?What’s your behavior around it?  What’s your history with it?  Where did that come from?  Are you happy with the results, or time for a reanalysis?In this introspective episode, hosts Dano Weir and Daren Blonski CFP® look at the 8 Ways We Think About Money at Sonoma Wealth Advisors.This is a great episode for someone just getting started with organizing their finances, we hope you enjoy and learn even 1 thing to help you in your journey.

Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth

References: https://www.advisorperspectives.com/articles/2025/02/12/nvidia-shares-no-longer-bulletproof-deepseek-fears
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

We’ve all “done our taxes”.  Gather up a mess of documents, send them in to your person or software program, weeks pass, maybe you get a check maybe you cut a check, depends on the year.  Wash, rinse, repeat.
But have you ever had a conversation with a professional about the long-term tax burden of being in certain investments?  How a move you make today could affect your taxes in 5 years?  Has anyone ever told you that certain charitable contributions you’re making you thought weren’t deductible could be with a Donor-Advised Fund under certain circumstances?
These would be insights learned during Tax Planning, also called Tax Observations.  Our own Clay Dunkle CFP®, AIF® makes his debut on It’s All Money to discuss one of his favorite parts of the business, and analyze the subtle nuance of the phrase “It’s not what you make, it’s what you keep that counts.”

Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

It's that time of year...everyone's looking to start fresh, reassessing a lot of relationships in their life...is it time to look at your Broker relationship too? Do you even know if your "financial advisor" is a Broker? An insurance agent? Or a Fiduciary to you?

Host Dano Weir and Sonoma Wealth Managing Principals Daren Blonski CFP® and Chris Sipes CFP® look at the key questions around the broker v. fiduciary divide. How are they paid? Why is a "suitable" investment for you perhaps very different than something in your "best interest"?

Wait, why wouldn't your advisor show you something in your best interest? 

And find out your answer to this question- is it time to breakup with your broker?

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

It's a New Year, and you might be dreaming of making that big leap.
That career you've always wondered and worried about. How would it affect your income? Would you make it? How could you afford it before you make it? How much would it cost?

This guy did it.

In 2020, union carpenter Johnny Fagundes saw meat shortages on TV as a result of the pandemic, and after years of raising cattle on the side, jumped in with both feet to follow his dream. It's All Money host Dano Weir sits down with Johnny at his farm, Full Circles Ranches in west Petaluma, CA to discuss his story of entrepreneurship and his holistic ranching philosophy.

Learn more about Sonoma Wealth Advisors here: https://sonomawealthadvisors.com/
Learn more about Full Circle Ranches here: https://fullcircleranches.com/
Learn more about Panizzera Meat Company here: https://www.panizzerameatco.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Back To School after 20+ years to pay it forward. Dano Weir and Daren Blonski CFP® host the first episode of It’s All Money with a live audience back at their high school, Casa Grande High School in Petaluma, CA. The firm recently passed the billion dollars under management mark. A milestone in the financial services industry, a billion is an indicator that your services are resonating in the community and you’re more than just a 1 or 2 person “and a truck” operation. It felt like a good occasion to return to the place where both host’s educational foundation began and share some life experiences and business tips with tomorrow's business leaders. Mr. Meirik’s Entrepreneurship Class welcomed us into room E16 and the questions rolled...

• When you choose your career, how do you start?
• What does a financial advisor, um, actually do?
• Are all financial advisors the same?
• Is it ok to borrow money from friends?
• When should you begin investing?
• What’s the deal with crypto?
• Should I follow my dreams or the money?

And many more...

Check out this open and honest episode from two graduates who’ve seen their share of ups and downs in business and in life, and hopefully some takeaways to help the next generation!

Learn more about Sonoma Wealth and take our Free Wealth Analysis: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Ok Cypto Bros, with the 100k milestone upon us, it's finally time to do an episode on Bitcoin.

As basic an episode as possible, because while host Daren Blonski CFP® has been wise to the coin world for some time, co-host Dano Weir only knows what he's seen in a few headlines.

So for educational purposes only, let's have a based conversation about the coins that exist but you can't hold in your hand. Maximalists will probably laugh and deniers might scoff. We just want to have an open conversation about (yes, at the time of this writing 12/10/24) the 7th largest asset class in the market.

This episode is perfect if you know nothing about crypto and at least want to know what people are talking about. This episode is for educational purposes only (not investment advice) for our clients and potential clients, to shed some light on a reality of the market. 

It's All Money is powered by Sonoma Wealth Advisors
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth

Refrences: https://www.investopedia.com/terms/c/cryptocurrency.asp https://www.nerdwallet.com/article/investing/cryptocurrency https://en.wikipedia.org/wiki/Cryptocurrency https://www.imf.org/en/Blogs/Articles/2024/08/15/carbon-emissions-from-ai-and-crypto-are-surging-and-tax-policy-can-help https://www.bbc.com/news/articles/cgr0dyy152jo https://www.msn.com/en-us/money/markets/analyst-warns-of-leverage-driven-xrp-pump-as-token-flips-tether/ar-AA1v5Enr https://www.history.com/news/san-jose-shipwreck-battle-2 https://www.investopedia.com/articles/forex/121815/bitcoins-price-history.asp
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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

In the spirit of Thanksgiving, Dano and Daren discuss both data-based and anecdotal evidence how practicing gratitude could possibly benefit your health, wealth, business and more.

It's All Money is powered by Sonoma Wealth Advisors
Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth


References:
https://www.si.com/college/pittsburgh/football/pitt-panthers-larry-fitzgerald-highest-paid-wr-nfl-history#:~:text=With%20%24182%2C490%2C000%20under%20his%20belt,wide%20receiver%20in%20NFL%20history.&text=Only%20one%20other%20wide%20receiver,entire%20career%20with%20one%20team
https://bakadesuyo.com/2011/12/who-makes-more-money-nice-people-or-mean-peop/
https://www.wsj.com/articles/SB10001424053111904823804576502763895892974
https://www.sciencedaily.com/releases/2011/11/111102125648.htm
https://ggsc.berkeley.edu/images/uploads/GGSC-JTF_White_Paper-Gratitude-FINAL.pdf?_ga=2.51257770.246418475.1638563377-157927757.1638563377
https://www.businessinsider.com/gratitude-makes-you-rich-2015-2 https://www.mindful.org/the-science-of-gratitude/


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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

Well...Tuesday November 5th has come and gone, and as expected some people are excited and others are fearful. We try and keep our shows focused on finance, not politics. But considering the weight of the event and the concerns and opinions floating around, we decided to do an episode about the financial implications of the election. Headlines can be deceiving, and it's natural to draw conclusions as national events happen:  "Markets do better under (insert party name)" or "I heard (insert industry) is going through through the floor." But is that really true?  What does the data from the past say?  Are there more important business factors than the Presidency? With respect for wherever you fall on the political spectrum, host Daren Blonski CFP® and Marketing Director Dano Weir take a look at what the market and economic data might be telling us about the next 4 years for portfolios.

It's All Money is powered by Sonoma Wealth Advisors

Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/

Video also available for every episode of It’s All Money on our YouTube channel: https://www.youtube.com/@sonomawealth

References:
https://www.pwc.com/us/en/library/pulse-survey/executive-insights-election-2024.html
https://finance.yahoo.com/news/blackrocks-larry-fink-says-us-143857961.html
https://www.cnbc.com/2024/11/07/heres-how-much-control-the-president-has-over-the-us-economy.html
https://www.visualcapitalist.com/sp/democrats-vs-republicans-does-it-matter-to-the-market/
https://www.newsweek.com/investors-money-democrats-white-house-stock-market-1976552


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Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax. The opinions expressed by Fermata Advisors, LLC on this show are their own. Information presented on this program is believed to be factual and up to date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.