Most investors think they’re diversified… but they’re not.

In this episode of the Alternative Investing Advantage podcast, Alex Perny sits down with Rebecca Irey of Blue Sky Financial to break down the biggest misconceptions in modern investing, retirement planning, and tax strategy.

If you’re relying on outdated strategies like the 60/40 portfolio or assuming retirement will “work itself out,” this conversation challenges that thinking.

This is not financial advice — it’s a reality check.

Topics Covered:

- Retirement planning mistakes

- Roth vs traditional IRA strategy

- Alternative investments explained

- Market volatility and risk management

- Building generational wealth

- Financial planning in uncertain markets

Chapters:

00:02 Introduction to Alternative Investing Advantage

01:49 From Commodity Trading to Financial Planning

05:10 The Flaw in the 60/40 Portfolio

09:54 Variety vs. True Asset Class Diversification

13:09 Navigating the "Upside Down" Economy

16:44 Building a Foundation of Safety

20:04 Lessons from the Great Depression Era

22:55 Kicking the IRS Out of Your Retirement

26:05 Roth Conversions and Income Mapping

31:04 The "Financial Quarterback" Model

37:22 Preparing for the Great Wealth Transfer

44:15 Managing Life’s "Unwritten Stories"

52:18 Closing Thoughts and Contact Information

Subscribe to our YouTube channel and join our growing community for new videos every week.

If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.

Learn more about our guest, Will Harvey:

https://harvey-capital.com/about

Learn more about Advanta IRA:

https://www.AdvantaIRA.com/

https://podcasters.spotify.com/pod/show/advanta-ira

https://www.linkedin.com/company/Advanta-IRA/

https://twitter.com/AdvantaIRA

https://www.facebook.com/AdvantaIRA/

https://www.instagram.com/AdvantaIRA/

#Investing #PersonalFinance #RetirementPlanning #WealthBuilding #FinancialFreedom #AlternativeInvesting #StockMarket #PassiveIncome #MoneyMindset #RothIRA

Hard money lending is one of the most misunderstood parts of real estate investing—but it plays a critical role in getting deals done.In this episode of the Alternative Investing Advantage podcast, Alex Perny sits down with Will Harvey of Harvey Capital to break down how hard money actually works, who it’s for, and how lenders evaluate deals.You’ll learn:How hard money loans are structuredWhy lenders focus on the borrower, not just the dealThe biggest mistakes real estate investors makeHow local market knowledge impacts lending decisionsWhy over-improving properties kills profitabilityHard money isn’t predatory—it’s a tool. And when used correctly, it can unlock deals that traditional financing can’t support.If you want to understand how smart lenders protect their capital and how to think like one, this episode gives you the framework.⏱ Chapters:0:00 — Introduction & Why Hard Money Gets a Bad Rap2:23 — Will's Background: From House Hacking to Hard Money7:39 — How Will Found His Footing as a Lender11:38 — The Accidental Business That Had Legs16:52 — Why Local Market Knowledge Beats Everything20:05 — The Petersburg Example: Why Not Every Deal Is Equal24:53 — How Will Underwrites Loans: ARV, LTV & Character29:11 — Why Will Always Meets Borrowers Face to Face31:40 — Using AI to Improve Underwriting Decisions36:58 — Loan Structure: Points, Rates & Flexible Terms40:13 — The Flexibility of Private Lending vs. Traditional Financing46:14 — What Will Looks for in a Borrower's Renovation Approach55:18 — Where the Market Is Headed & Will's Future PlansSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.Learn more about our guest, Will Harvey:https://harvey-capital.com/aboutLearn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#HardMoneyLending #RealEstateInvesting #PrivateLending #SelfDirectedIRA #AlternativeInvesting #RealEstate

Gold is trading above $5,000 an ounce. The dollar is weakening. Inflation may be heading toward 4% or higher. And government bonds are quietly being sold off by central banks worldwide. So where should investors be looking — and what does it all mean for your portfolio?

In this episode of the Alternative Investing Advantage Podcast, host Alex Perny sits down with Rinaldo Brutoco, economist, attorney, entrepreneur, founder of the World Business Academy, and merchant banker with decades of experience navigating markets, geopolitics, and global finance, for a wide-ranging conversation on commodities, precious metals, crypto, monetary policy, and what he calls the most important macro forces investors need to understand right now.

In this episode, you'll learn:

• Why Rinaldo is still bullish on gold — and why he says the time to sell hasn’t come yet

• The three factors driving gold’s price: inflation, political instability, and a declining dollar

• Gold ETFs vs. physical gold (specie) — when each makes sense and the real trade-offs

• Why all precious metals are NOT equal — gold vs. silver vs. palladium vs. platinum broken down

• Why silver is more vulnerable than most investors realize (industrial demand, market cornering, X-ray elimination)

• Palladium’s unexpected upside as internal combustion engines make a comeback over EVs

• Bitcoin vs. gold: why Rinaldo sees crypto as a gamble, not a hedge, and what stablecoins get wrong

Subscribe to our YouTube channel and join our growing community for new videos every week.

If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.

Learn more about our guest, Rinaldo Brutoco:

https://worldbusiness.org/team/rinaldo-s-brutoco/

Learn more about Advanta IRA:

https://www.AdvantaIRA.com/

https://podcasters.spotify.com/pod/show/advanta-ira

https://www.linkedin.com/company/Advanta-IRA/

https://twitter.com/AdvantaIRA

https://www.facebook.com/AdvantaIRA/

https://www.instagram.com/AdvantaIRA/

#Gold #PreciousMetals #Commodities #Inflation #GoldInvesting #SilverVsGold #BitcoinVsGold #MacroInvesting #SafeHaven #RinaldoBrutoco #AdvantaIRA #AlternativeInvesting #GeopoliticsAndMarkets #GoldETF #PhysicalGold #DollarDecline #CommodityHedge #Palladium #Copper #WorldBusinessAcademy

Offshore trusts and LLCs aren't just for the ultra-wealthy or the sketchy. They're one of the most effective — and completely legal — tools available for protecting assets from lawsuits, creditors, and geopolitical risk.

In this episode of the Alternative Investing Advantage podcast, Alex Perny sits down with Matthew Smith of SouthPac Group — a firm that has operated in the offshore space since 1982 — to break down exactly how Cook Islands and Nevis structures work, who they're built for, and what it actually costs to set one up and maintain it.

What you'll learn:

→ The difference between Cook Islands and Nevis trusts — and which is right for you

→ Why offshore structures are NOT tax havens (and what they actually are)

→ How irrevocable trusts create a legal wall between you and creditors

→ Trust vs. LLC: when to use each and when to combine both

→ What it takes to access your money — and why that process IS the protection

→ How US persons can legally bank in Switzerland through an offshore structure

→ What the reporting requirements actually look like (and why they're manageable)

→ How self-directed IRA funds can be held in offshore structures

⏱ Chapters:

0:00 — Introduction & Why Offshore Interest Is Growing

2:18 — SouthPac Group: 40+ Years in the Offshore Space

5:10 — Cook Islands vs. Nevis: Key Differences Explained

11:09 — Who Actually Uses Offshore Structures (And Why)

12:56 — Barriers to Entry & Compliance Requirements

15:31 — Offshore ≠ Tax Haven: Clearing Up the Misconceptions

19:13 — Trust vs. LLC: Levels of Protection Compared

23:19 — Revocable vs. Irrevocable: What You Need to Know

25:00 — How Trustees Work and Why You Shouldn't Be Your Own

30:44 — Ongoing Costs: What to Budget For

34:20 — What Assets Can Actually Go Offshore

38:45 — Banking Options: Switzerland, Cook Islands & More

44:02 — How to Access Your Money From an Offshore Trust

48:53 — Managing Expectations as a Trust Beneficiary

50:30 — Why Offshore Isn't as Mysterious as You Think

Subscribe to our YouTube channel and join our growing community for new videos every week.

If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.

Learn more about our guest, Matthew Smith:

https://southpacgroup.com/our-people/

Learn more about Advanta IRA:

https://www.AdvantaIRA.com/

https://podcasters.spotify.com/pod/show/advanta-ira

https://www.linkedin.com/company/Advanta-IRA/

https://twitter.com/AdvantaIRA

https://www.facebook.com/AdvantaIRA/

https://www.instagram.com/AdvantaIRA/

#OffshoreInvesting #AssetProtection #WealthProtection #CookIslands #NevisTrust #Offshoretrust #AlternativeInvesting #SelfDirectedIRA #SDIRA #AdvantaIRA #LegalAssetProtection #SwissBanking #WealthBuilding #HighNetWorth #AlternativeInvestingAdvantage

In this episode of the Alternative Investing Advantage podcast, Alex Perny sits down with Holli Moeini, 30+ year CPA, M&A advisor, and author of "Finding the Missing Millions in M&A", to break down the hidden financial landmines that destroy business value before, during, and after a sale.What you'll learn:→ Why audits are NOT designed to find fraud (and what actually is)→ How trusted employees commit fraud — and why nobody sees it coming→ The balance sheet mistake that 99% of CEOs make every month→ Why rushing to an LOI is killing deals before they start→ How buyers consistently overpay and run out of cash on day one→ The 10% cash flow hurdle rule every business buyer needs to know→ What "working capital at closing" means and why sellers ignore it at their peril→ How to find, fix, and actually increase business value when fraud is discovered⏱ Chapters:0:00 — Introduction & Holli's Background2:54 — What Public Accounting Taught Her About Fraud6:22 — How Fraud Actually Enters a Business10:56 — The Balance Sheet Nobody Reads (But Everyone Should)15:52 — Controls That Actually Work for Small Businesses18:48 — How to Find Fraud Fast Before It Gets Buried20:29 — How Fraud Normalizes Over Time38:39 — The Current M&A Market: Boomers, Private Equity & Opportunity41:47 — The Biggest Buyer Mistakes in M&A Right Now48:57 — Why "No" Is a Complete Sentence in a Bad Deal51:31 — The 3 Things to Check Before Buying Any Business54:01 — Sell-Side Strategy: How to Protect Your Value at the TableSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.Learn more about our guest, Holli Moeini:https://hollimoeini.com/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#MergersAndAcquisitions #MandA #BusinessFraud #SmallBusiness #ExitStrategy #BusinessOwner #AlternativeInvesting #SelfDirectedIRA #SDIRA #AdvantaIRA #EBITDA #DueDiligence #BusinessAcquisition #FinancialFreedom #WealthBuilding #AlternativeInvestingAdvantage

Most investors hear "affordable housing" and immediately think low returns, government red tape, and bad tenants. Dusten Hendrickson has spent 20+ years proving that's completely wrong.

In this episode of the Alternative Investing Advantage podcast, Alex Perny sits down with Dusten — a real estate developer building 500–1,000 units per year — to break down exactly how affordable and workforce housing works as an investment strategy, and why it may be one of the most overlooked opportunities in real estate today.

What you'll learn:

→ The difference between "Big A" affordable housing (government programs) and "Little A" affordable housing (market-rate, community-driven)

→ Why density is the most important variable in profitable affordable development

→ How to navigate city entitlements, zoning, and local politics without wasting years

→ Why workforce housing and attainable housing are really the same thing — and how to use that to your advantage

→ The specific demographics and AMI metrics Dusten uses to identify the right communities

→ Why holding real estate long-term always beats flipping — and what's happening in today's market

→ How design efficiency (quartz counters, no underground parking, wellness design) creates desirable units at affordable rents

Chapters:

0:00 — Introduction & Dusten's Background

3:18 — Big A vs. Little A Affordable Housing Explained

4:48 — The Problem with Government Housing Programs

8:19 — Density, Design Efficiency & Wellness Design

11:52 — The Entitlement Process: Biggest Risk in Development

16:21 — How to Navigate City Politics & Get Approvals

22:37 — What Tenants Actually Care About (& What They Don't)

25:56 — Hold vs. Sell Strategy in Today's Market

30:07 — What Is Workforce Housing, Really?

35:38 — Geographic Targeting: Upper Midwest & Expanding

42:40 — Why Suburbs Are Winning Over Urban Centers

48:13 — How to Read AMI Data to Find the Right Markets

53:34 — Why Density Always Wins for Long-Term ROI

Subscribe to our YouTube channel and join our growing community for new videos every week.

If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.

Learn more about our guest, Dusten Hendrickson:

https://www.linkedin.com/in/dusten-hendrickson

Learn more about Advanta IRA:

https://www.AdvantaIRA.com/

https://podcasters.spotify.com/pod/show/advanta-ira

https://www.linkedin.com/company/Advanta-IRA/

https://twitter.com/AdvantaIRA

https://www.facebook.com/AdvantaIRA/

https://www.instagram.com/AdvantaIRA/

#AffordableHousing #RealEstateInvesting #WorkforceHousing #SelfDirectedIRA #AlternativeInvesting #RealEstateDevelopment #PassiveIncome #AdvantaIRA

What are prediction markets, and are they the next evolution of investing?In this episode of the Alternative Investing Advantage Podcast, Alex Perny sits down with Matt Ober of Social Leverage to explore the rapid rise of prediction markets. They discuss how platforms like Kalshi and Polymarket are changing the landscape of finance, why Robinhood’s integration could be a major unlock, and how regulation will shape the future of this emerging asset class.Matt explains how prediction markets differ from traditional sports betting, how liquidity providers participate, and why institutional players may enter the space. The conversation also explores regulatory risks, compliance considerations, and where the real investment opportunities may lie — including infrastructure, data analytics, and picks-and-shovels plays rather than direct platform bets.They also zoom out to discuss broader venture trends, the impact of AI on fintech and SaaS, and how efficiency gains are reshaping early-stage investing.If you want to understand where prediction markets fit into the broader financial ecosystem, this episode delivers a grounded, institutional perspective.00:00 Intro to Prediction Markets01:10 Matt Ober’s Hedge Fund Background02:23 Social Leverage & Early-Stage Investing04:33 What Are Prediction Markets?06:23 How Prediction Markets Differ from Sports Betting07:35 Regulatory Landscape (CFTC vs States)09:40 Will States Push Back?11:03 Institutional Adoption Potential14:27 Where Is the Investment Edge?17:53 Liquidity Providers & Market Infrastructure22:34 Should Investors Buy the Platforms?25:21 Picks-and-Shovels Opportunities27:43 Long-Tail Market Potential31:01 Are Prediction Markets Overcrowded?34:59 Broader Venture Capital Trends36:45 AI’s Impact on SaaS and Fintech40:28 Where Private Equity Is Shifting44:17 The Future of Lean, AI-Native Companies45:18 How to Connect with MattSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.Learn more about our guest, Matt Ober:https://www.linkedin.com/in/obermattjLearn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#PredictionMarkets #Fintech #VentureCapital #Investing #Robinhood #Kalshi #Polymarket #AlternativeInvesting #AIInvesting #FinancialMarkets

What is a master planned community, and how do zoning and entitlements create real estate value?In this special 200th episode of the Alternative Investing Advantage Podcast, Alex Perny sits down with Ari Rastegar of Rastegar Capital to break down how developers turn raw land into high-value communities through zoning, entitlements, and master planning.Ari shares how his team assembled and rezoned a large land site near Austin, Texas, and why entitlement risk can create extraordinary value before construction ever starts. They discuss why major institutions often cannot buy land until it is entitled, how community support influences approvals, and why timing can make or break a project. Ari also explains the real downside of development: years of permitting, shifting decision-makers, rising carry costs, and the sheer amount of effort required to get a project over the finish line.If you want to understand how developers create alpha in real estate—beyond buying and renovating existing properties—this episode lays out the process, the risks, and the payoff.00:00 Episode #200 intro + Ari Rastegar joins01:53 Ari’s background and how he got into entitlements04:30 Why fast-growing cities need master planning07:40 How rezoning creates value before construction09:12 Why zoning is “alpha,” not “beta”11:40 Due diligence, community support, and entitlement risk17:08 Real estate is about people, not just buildings20:50 Grassroots outreach and winning local buy-in24:33 Timing risk: being too early vs too late28:10 The real pain: time, permits, and uncertainty31:34 When decision-makers change mid-process34:43 Carry costs, debt, and moving parts37:12 Why the work can be deeply fulfilling38:25 Horizontal development vs going vertical42:07 Building vertically integrated real estate businesses45:16 Housing demand and why supply can’t keep up49:52 Innovation in building: prefab, robotics, and 3D printing50:40 Where to find Ari Rastegar + closingSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.Learn more about our guest, Ari Rastegar:https://rastegarcapital.com/articles/meet-ari-rastegar/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#RealEstateDevelopment #Zoning #Entitlements #MasterPlannedCommunities #LandDevelopment #CommercialRealEstate #Multifamily #BuildForRent #HousingShortage #AlternativeInvesting

What does it really mean to invest in mineral rights?In this episode of the Alternative Investing Advantage Podcast, Alex Perny sits down with Troy Eckard of Eckard Enterprises to break down how mineral rights investing works and why it has become an attractive alternative asset for long-term income and portfolio diversification.Troy explains how mineral ownership differs from traditional real estate, how lease agreements generate royalty income, and why investors can benefit from oil and gas production without taking on drilling costs or environmental liability. The conversation also covers how mineral rights are valued, the impact of commodity prices, tax advantages available to investors, and how technology continues to expand recoverable reserves in major U.S. energy basins.Whether you’re exploring alternative real estate strategies, energy investing, or passive income opportunities, this episode provides a practical introduction to investing in mineral rights and understanding how royalty-based income works.00:00 Intro & Episode Overview01:13 Troy Eckard Background03:08 What Mineral Rights Actually Are05:40 Why Troy Chose Oil & Gas Investing08:54 How Mineral Lease Income Works11:49 Tax Treatment of Mineral Income13:14 How Mineral Rights Are Valued20:04 Technology & Oil Price Economics24:00 Demand for Fossil Fuels Explained31:55 Mineral Rights vs Traditional Real Estate37:53 Long-Term Income Potential41:46 Natural Gas, LNG & Market Factors47:13 Geopolitics & Energy Prices51:38 Due Diligence for Investors53:32 How to Contact Troy Eckard54:43 Closing ThoughtsSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.Learn more about our guest, Troy Eckard:https://eckardenterprises.com/about-eckard-enterprises/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#MineralRights #OilAndGasInvesting #RoyaltyIncome #PassiveIncome #AlternativeInvesting #EnergyInvesting #RealEstateInvesting #SelfDirectedIRA #PortfolioDiversification #CashFlowInvestingAdvanta IRA does not offer investment, tax, or legal advice nor do we endorse any products, investments, or companies that offer such advice and/or investments. This includes any investments promoted or discussed during the podcast as neither Advanta IRA nor its employees, have reviewed or vetted any investments, persons, or companies that may discuss their services during this podcast.  All parties are strongly encouraged to perform their own due diligence and consult with the appropriate professional(s) before entering into any type of investment.

What is the best way to invest in warehouse real estate and flex space?In this episode of the Alternative Investing Advantage Podcast, Alex Perny welcomes Jens Nielsen, Founder and Operating Partner of Open Doors Capital, to discuss why investors are shifting from multifamily into warehousing and flex industrial properties.Jens explains how rising interest rates and compressed multifamily cap rates pushed his firm to explore warehouse real estate, where higher cap rates, simpler operations, and strong small-business demand create compelling opportunities. The conversation covers warehouse property classes, tenant profiles, lease structures, triple-net vs modified gross leases, market selection, value-add strategies, and key risks investors must understand.If you are exploring commercial real estate beyond apartments, this episode provides a practical framework for evaluating warehouse and flex space investments.00:00 Welcome & Episode Overview01:19 Jens Nielsen Background03:21 Why He Started in Commercial Real Estate04:30 Why Multifamily Stopped Penciling07:32 Why Shift to Warehousing & Flex Space09:43 Class A, B, C Warehouse Explained13:03 Market Selection & Demand Drivers16:50 Urban Warehouses vs Industrial Parks18:10 Value-Add in Warehouse Real Estate20:51 Triple-Net vs Modified Gross Leases23:27 Lease Lengths & Rent Escalators28:08 Self-Managing Warehouses vs Apartments30:39 Tenant Screening & Business Risk37:24 Insurance Considerations42:17 Biggest Risks in Warehouse Investing44:50 Buying Vacant vs Stabilized Warehouses47:25 Due Diligence Tips for LP Investors50:08 How to Contact Jens NielsenSubscribe to our YouTube channel and join our growing community for new videos every week.If you are interested in being a podcast guest speaker or have questions, contact us at ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠⁠.Learn more about our guest, Jens Nielsen:https://www.linkedin.com/in/jens-nielsen-multi-family-real-estate-coach/Learn more about Advanta IRA: https://www.AdvantaIRA.com/ https://podcasters.spotify.com/pod/show/advanta-irahttps://www.linkedin.com/company/Advanta-IRA/https://twitter.com/AdvantaIRA https://www.facebook.com/AdvantaIRA/ https://www.instagram.com/AdvantaIRA/#WarehouseInvesting #CommercialRealEstate #IndustrialRealEstate #FlexSpace #PassiveIncome #RealEstateInvesting #AlternativeInvesting #CashFlowInvesting #TripleNetLease #SelfDirectedIRAAdvanta IRA does not offer investment, tax, or legal advice nor do we endorse any products, investments, or companies that offer such advice and/or investments. This includes any investments promoted or discussed during the podcast as neither Advanta IRA nor its employees, have reviewed or vetted any investments, persons, or companies that may discuss their services during this podcast.  All parties are strongly encouraged to perform their own due diligence and consult with the appropriate professional(s) before entering into any type of investment.