Imagine 17,134 grains of sand in zen garden sand box.  ONE is an absolute winner.  Could you pick it?  Could you pick it from a much smaller box of 534 even? 
That’s essentially cryptocurrency right now.  Dismissing cryptocurrency is a logical reaction and yet-  would you believe as an asset class, if all of crypto were on the Fortune 500, it would be a top 10 company by market cap?  Bigger than Berkshire Hathaway?  Bigger than Tesla?  Bigger than Visa? 
That's a lot to fathom.  So our own Daren Blonski CFP® is here to share his take on the crypto space right now, with 4 key reasons he believes Bitcoin has stood out from everything else and will continue to do so. 
This episode is for educational purposes only, focused on explaining some of the realities of this still relatively-new asset class, which has become too big to ignore. 
 
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://tangem.com/en/blog/post/how-many-cryptocurrencies-exist/ 
https://www.forbes.com/digital-assets/crypto-prices/?sh=7a54f0bb2478 
https://explodingtopics.com/blog/number-of-cryptocurrencies 
 
_______________________________________ 
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. 

We’re in year 3 of interest rates being basically 2-4x what they were the prior 3 years. Just this past month, June 2025, Fed Chair Jerome Powell said “For the time being, we are well positioned to wait to learn more about the likely course of the economy before considering any adjustments to our policy stance.”  In other words, NO. 
At Sonoma Wealth, we plan toward potential futures and outcomes in finance, but also help clients operate under current circumstances.  Life doesn't stop for some desired future. If interest rates remain high, how can you adjust?  Or even take advantage? 
In this INTERESTing episode of It’s All Money, we look at 4 strategies to employ when interest rates won’t drop.  What’s the root cause of credit card debt?  Are you over your skis on your real estate?  Why is now a great time to maximize cash?  What assets thrive in the market in a high interest rate environment? 
We hope you or someone you may know impacted by interest rates will find this episode helpful! 

6:31 What even are “Interest Rates”? 
16:33 #1 – Get Your Debt Under Control 
23:18 #2 – Be Honest About Real Estate 
31:03 #3 – Maximizing Cash 
34:40 #4 – What To Do In The Market 
 
Take Sonoma Wealth's Free Wealth Analysis right here: https://sonomawealthadvisors.com/ 
Find Dave Ramsey’s 7 Baby Steps here: https://www.ramseysolutions.com/dave-ramsey-7-baby-steps?gad_source=1&gad_campaignid=197939186&gbraid=0AAAAAD_Z1jz_u9Wufbx-LeZd6wPX3_8JO&gclid=Cj0KCQjw1JjDBhDjARIsABlM2StVhZVGEWej9f0v_akCLuogJdVE26et1rgrDkVZerD_8WFTj8_8EsQaAileEALw_wcB 
 
 
Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ 

 
References 
https://abcnews.go.com/Business/americans-credit-card-debt-reaches-new-record-high/story?id=118788620 
https://www.axios.com/2025/03/07/car-loan-payment-delinquencies-record-high 
https://www.macrotrends.net/2015/fed-funds-rate-historical-chart 
https://www.nerdwallet.com/article/banking/historical-cd-rates 
https://apnews.com/article/interest-rates-federal-reserve-trump-inflation-df5b9ac09f0cd283797c6c294a98da9c 
https://www.nerdwallet.com/article/finance/data-2023-budgeting-report 
https://www.federalreserve.gov/newsevents/testimony/powell20250624a.htm 
 
_______________________________________ 
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.

We’ve all been doomscrolling on a phone at god-knows-AM when some stranger in a video says something that makes “sense” about money. Ever wonder what a CERTIFIED FINANCIAL PLANNER® might say to that same video? In this fun episode of It’s All Money, we open up the pandora’s box of internet money advice and let our Managing Principal, Daren Blonski CFP® give his take. Additionally, Marketing Director and Podcast host Dano Weir shares how an average person might process and logic through some of this content, and the pitfalls therein.

• Why not just put your emergency fund in an index fund to “make more”? • What is the “tolerance for ambiguity”?
• If you leave your money invested, it just “makes 10%”, right?
• Why is bitcoin ot the “only store of value”? • Should I do a real estate double-backflip to get a “free” G Wagon?
• Why the Wolf Of Wall Street of all people calls CNBC the “worst thing to happen to investing”.
• Can you “write off” a private chef?

If you ever wanted to throw cold water on the money nonsense you see on the internet, this episode is for you 😎

Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ 

References Financial Advice from the Cleveland Browns
https://www.youtube.com/watch?v=uN9WSgeETCo
Source: HBO, NFL Films

New Bitcoin Ad
https://www.instagram.com/reel/DJkJLeoxlV9/?igsh=NTc4MTIwNjQ2YQ==
Source: Coinbase

Risk Tolerance With Jerry Jones
https://www.instagram.com/reel/DIgeCK2OLRc/?igsh=NTc4MTIwNjQ2YQ==
Source: Undeniable with Joe Buck

Two Income Trap
https://www.instagram.com/reel/DJcInkGswmB/?igsh=NTc4MTIwNjQ2YQ==
Source: Last Meal With Tom Nash

Wolf Of Wall Street on CNBC
https://www.instagram.com/reel/DIzDFynTxKx/?igsh=NTc4MTIwNjQ2YQ==
Source: @wolfofwallst instagram

Rentals to buy a G Wagon
https://youtube.com/shorts/FM_ChKFVUJ4?si=cdQWr4R4e1O-X1tM
Source: ThachNguyen

Emergency Fund in the Market?
https://www.youtube.com/shorts/MxZFjTqp4Gc
Source: Ben Alistor, YouTube

Writing Off My Private Chef
https://youtube.com/shorts/dwt1fggBga0?si=LS1mljmiqFuDaxh8
Source: Karlton Dennis Youtube

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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.

Everybody knows ‘Social Security is going to go broke’...but is it? 
A Social Security discussion often becomes a political one, and a key question often gets ignored for a retiree-  what functionally happens to the check I get every month when Social Security “goes broke”?  Would you be surprised to find out you will likely still get a check? 
In this episode focused on retirees (and not politics), Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir are joined by Certified National Social Security Advisor Clay Dunkle CFP® on the realities of what Social Security might look like for a retiree after 2035.  What’s inside this episode is not what you’ve heard in your newsfeed.  We hope you find it educational and informational. 

0:00 How does Social Security even work?  
5:10 Why Social Security is now having problems  
6:40 What happens when the Social Security Trust hits $0?  
10:38 Social Security by the numbers  
11:41 How could the government fix the problem?  
14:18 Next tax bill's impact on Social Security  
17:11 The Windfall Elimination Provision  
19:25 Should you even plan for it to be there?  
22:51 How do we help clients with Social Security?  
25:00 When are you going to die?  
26:11 Other ways the government could fix the problem  
27:07 Should you take it early or later? 


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 
 
________________________  
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.

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 
________________________  
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
_______________
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
_______________
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
_______________
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
_______________
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
_______________
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.