Markets continued their upward trend in June, reflecting investor resilience despite ongoing global uncertainty.

In this episode, Bob Weisse, Heritage Financial's CIO, joins Sammy Azzouz, CEO, to explore what’s driving strong market performance, offering historical context and some investment opportunities.

He also discusses how the investment landscape has evolved—many products once reserved for institutions, such as interval funds, are now more accessible to individual investors.

Bob shares his framework for evaluating alternative investments, often called the “third pillar” of investing. But is diversification alone enough to justify their place in a portfolio? He breaks down the wide range of strategies, fee structures, and market exposures to consider.

Plus, we answer a listener question: Why aren’t we investing in gold right now?

• Send your questions to [email protected],
• Visit us at www.heritagefinancial.net.
• And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

You can have a solid financial plan and a great estate plan—but if they aren’t aligned, neither may work as intended. Liz Meyer, JD, Heritage Financial’s Estate Planning Specialist, shares strategies to strengthen your estate plan, common mistakes, and answers the questions she hears most often.

We cover:

• Why estate planning matters—both during your life and after
• Key estate planning documents
• How beneficiary designations interact with your estate plan and can override your intentions
• What is included in your taxable estate and ways to help reduce estate taxes
• The annual gift exclusion—how it works and why it matters
• What to know if you own property in multiple states
• How transparent you should be with your children and family

Don’t wait to protect what you’ve worked so hard for—your family, your future, and your peace of mind.

• Send your questions to [email protected],
• Visit us at www.heritagefinancial.net.
• And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Despite unsettling headlines and ongoing market volatility, both stocks and bonds are in positive territory year-to-date—led by international markets outpacing the U.S. Since April’s dip, markets have rebounded, giving investors a second chance to reassess their portfolios, consider global diversification, and revisit their risk tolerance. In this episode, Sammy and Bob break down what’s driving the markets and dive into:

• Why the growing U.S. budget deficit matters to bond investors
• The role of real assets in a diversified portfolio
• A new opportunity our team is analyzing in foreign bonds

Send your questions to [email protected]



And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Barry Ritholtz — Co-founder, Chairman, and Chief Investment Officer of Ritholtz Wealth Management, and host of the Masters in Business podcast — joins Sammy to discuss his new book, “How Not To Invest: The ideas, numbers, and behaviors that destroy wealth – and how to avoid them”.

Barry blends behavioral finance with data analysis to uncover some of the most common (and costly) investing mistakes — and how to steer clear of them. Tune in for actionable takeaways on failing better, managing market noise, and navigating the world of financial “experts.”

Plus, Barry explains why the childhood advice “Don’t take candy from strangers” also holds true for grown-up investors.

Send questions to [email protected] and don’t forget to rate the show!

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Bob Weisse, CIO of Heritage Financial, joins Sammy Azzouz to break down the latest market trends and what investors need to know. While markets have shown improvement in recent weeks, signs of weakness remain, raising concerns about a potential recession.

Bob discusses the factors behind the Q1 GDP contraction and what it could signal for the broader economy. He also offers insights on how investors can navigate uncertainty and volatility, including an explanation of the difference between fundamental and technical price movements.

In addition, Bob shares his perspective on the small-cap market and, in light of Warren Buffett’s announcement that he will step down as CEO of Berkshire Hathaway, reflects on timeless investment lessons from one of history’s most influential investors.

Send questions to [email protected] and don’t forget to rate the show!

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

We usually advise against mixing politics and portfolios, but since the April 2 tariff announcement, politics—not fundamentals—have been driving the markets. Sammy Azzouz sits back down with Heritage Financial’s CIO, Bob Weisse, to unpack what’s happened since “Liberation Day” and answer some FAQs about the state of the investment universe today. If you’re wondering what just happened to your portfolio—and what could come next—tune in!

Send questions to [email protected] and don’t forget to rate the show!

And, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Diversification proved its worth in Q1. While U.S. markets struggled, dragged down by a tech-sector sell-off, international and fixed-income markets delivered strong returns. Heritage Financial’s CIO, Bob Weisse, breaks down the Q1 results and highlights why diversification remains crucial in today’s environment of heightened risks, policy uncertainty, and elevated U.S. equity valuations.

In this episode, we:

✅ Share some glimmers of hope

✅ Explain market momentum—why winners tend to keep winning and losers keep losing

✅ Explore how direct indexing can be a smart solution for investors with idle cash, high capital gains, or those preparing to sell a business

Join us for insights that can help you navigate today’s complex market with confidence.

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at [email protected].

Erratic Policy Swirl, S&P 500 Pullback, and What Investors Might Be Missing.

Michael Santoli, Senior Markets Commentator at CNBC, joins us to break down today’s turbulent headlines. Is the U.S. experiencing a market correction, or is something bigger on the horizon? We dive into recent volatility, the S&P 500’s pullback, the “Magnificent 7” stocks rolling over, and hot topics like DOGE and Tesla. Plus, Michael highlights key market trends that aren’t getting enough attention—but should be.

With over 30 years covering Wall Street at Barron’s, Yahoo Finance, and Dow Jones Newswires, Michael Santoli brings deep market expertise, which he shares regularly on CNBC’s Business Day programming and as a featured contributor to CNBC.com and CNBC PRO.

*BONUS* How To Build Your Next Million, our free ebook, teaches investors about the tools that can help them SAVE more, GROW more, KEEP more, and PROTECT more. Get your copy today!

We’d love to hear from you! Send your questions, ideas, or feedback to [email protected].

Increasing uncertainty, rising inflation, and slowing economic growth are causing concern among investors, leading them to take a more defensive approach—reducing risk, shifting equity exposure, and turning to fixed income. Many are asking: What’s driving the moves? And how should investors respond?



In this episode, CEO Sammy Azzouz shares client questions, while CIO Bob Weisse breaks down the latest updates on U.S. and international stock and bond markets. They’ll discuss how our investment team is positioning portfolios, what data they’re watching, and what investors should—and shouldn’t—do in uncertain times. Tune in for insights to help you navigate today’s landscape.

Plus, don’t miss our free ebook and video course, How To Build Your Next Million—packed with expert insights on saving, investing, and protecting your wealth.

Have questions or topics you’d like us to cover? We’d love to hear from you! Email us at [email protected].

Could this be the year international markets outshine the U.S.? Jeffrey Kleintop, Chief Global Investment Strategist at Charles Schwab, believes a new cycle has begun—one that could make global investing more rewarding than it’s been in years.

In this episode, Jeff explains why international markets are gaining momentum, what’s driving global growth and earnings, and how overseas valuations stack up against the U.S. He also puts tariffs and their impact on companies and stock markets into perspective—are they more bark than bite?—and shares what investors should keep an eye on in the months ahead.

Take your wealth to the next level with How To Build Your Next Million, our educational video course and ebook. You’ll learn the financial tools and strategies that will help you SAVE more, KEEP more of what you earn, GROW your portfolio, and PROTECT your nest egg to enhance your overall wealth.

We’d love to hear from you! Email us questions, ideas, or feedback at [email protected].