The Kuderna Podcast

Jerri Williams, a former FBI special agent, shares insights into the world of fraud and economic crime. She discusses the anatomy of a Ponzi scheme, using the New Era Foundation case as an example. Williams explains how fraudsters manipulate victims and the psychology behind their actions. She also delves into other types of scams, such as advanced fee schemes and business-to-business telemarketing fraud. Williams highlights the importance of international cooperation in investigating and prosecuting fraud cases. She concludes by discussing the traits and motivations of fraudsters, as outlined in the fraud triangle: opportunity, pressure, and rationalization. In this conversation, Jerri Williams discusses the motivations behind fraud, the role of punishment in deterrence, the importance of staying apolitical in law enforcement, the biggest threats facing Americans and business owners, the need for a third political party, and her favorite roles as an FBI agent, podcaster, and author.     Check out Jerri's books and podcast at https://jerriwilliams.com.     This episode is brought to you by "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, Kindle, or audiobook wherever books are sold... https://www.amazon.com/What-Should-Do-My-Money/dp/1264857934/ref=sr_1_1.

Bryan explores the stock market and the success of Nvidia. He discusses the basics of stocks, how businesses raise money, and the concept of going public. The episode also explains how investors make money through dividends and capital appreciation. He covers the different ways to track stocks and introduces popular market indexes like the Dow Jones, S&P 500, and NASDAQ. The concept of indexing and diversification is also explored. Lastly, the episode touches on the history of entrepreneurial financing. Learn more about the interplay between economics and stock market performance in Bryan's book, "What Should I Do with My Money?".  Click here to order https://www.amazon.com/What-Should-Do-My-Money/dp/1264857934/ref=sr_1_2 

In this episode of the Kuderna Podcast, host Bryan Kuderna discusses the concept of IRA maximization. He explains the three legs of the retirement system, which include social security, defined benefit pensions, and private savings. He emphasizes the importance of private savings, particularly through qualified retirement plans like IRAs. Kuderna delves into the tax concerns and future liabilities associated with IRAs, highlighting the need for careful planning. He explains the concept of required minimum distributions (RMDs) and the impact of the Secure Act on the stretch IRA strategy. Finally, Kuderna introduces the IRA maximization strategy, which involves leveraging life insurance to generate tax-free benefits. He discusses the benefits and considerations of this strategy for high net worth individuals.   Takeaways IRA maximization is a strategy that involves leveraging life insurance to generate tax-free benefits for high net worth individuals. The three legs of the retirement system in the US are social security, defined benefit pensions, and private savings. Tax concerns and future liabilities associated with IRAs should be carefully considered and planned for. The Secure Act has impacted the stretch IRA strategy, often requiring non-spouse beneficiaries to take all RMDs within 10 years of the owner's death. Chapters 00:00 Introduction to the Kuderna Podcast 00:30 Overview of IRA Maximization 01:27 The Three Legs of the Retirement System 03:21 Private Savings and the Role of IRAs 05:31 Understanding IRAs and Retirement Planning 10:23 Tax Concerns and Future Liabilities 18:04 Required Minimum Distributions (RMDs) 20:20 The Stretch IRA and the Secure Act 22:42 Introduction to the IRA Maximization Strategy 23:55 Using Life Insurance for Tax-Free Benefits 27:45 Benefits and Considerations of the IRA Maximization Strategy   *US Retirement Assets (CRS): https://crsreports.congress.gov  *Exceptions to tax on early distributions (IRS): https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions   This episode is brought to you by Weekly Wealthy Wisdoms, Bryan's free weekly E-newsletter packed with his best insights of the week.  Sign up for free at www.bryankuderna.com.

Bob Dougherty worked for over 25 years as an undercover Operations Officer for the Central Intelligence Agency (CIA). He has deep operational experience having personally managed and carried out multiple high-profile missions in the US, Europe, Central America, South America, and Middle East that lead to the capture of several most-wanted terrorists and the dismantling of their networks.  Bob has successfully worked against foreign terrorist groups such as The Islamic State, Al-Qaida, Hezbollah, HAMAS, Sendero Luminoso, Tupac Amaru Revolutionary Movement, the Japanese Red Army, and the Palestine Liberation Organization. In addition, Bob has extensive experience in working against Iranian state sponsored terrorism, and government of Iran intelligence and procurement operations worldwide.  He’s received over 20 service awards during his career with the CIA. During the time period before and after the 9/11 terrorist attacks on the Homeland, Bob worked as the senior CIA officer on a FBI Joint Terrorism Task Force (JTTF) – which provided him substantive experience working the terrorism target inside the U.S. and in foreign countries through “over the horizon” operations. Bob has served as a subject matter expert instructor on terrorism and countering terrorist cells inside the U.S. and overseas.  He is a senior instructor on Human Intelligence and Counter-Terrorism for U.S. military special operations elements including Naval Special Warfare, SEALS, and U.S. Army Green Beret units. Bob is part of the guest speaker network of SpyScape and one of his major counter-terrorist operations (the capture of Abu Abbas) was subject of a recent episode.   This episode is brought to you by my new book, "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, Kindle, and audiobook wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2024-168779 Exp. 2/26

Jennifer Farrell is a celebrity designer and television host. She became nationally known hosting the long-running series “Find & Design,” and currently hosts the hit shows “Million Dollar House Hunters”, “Find Me a Beach House”, and “Most Amazing Homes.”  As the founder of Jennifer Farrell Designs, she’s won many accolades over her career, and her work has appeared in Luxe Magazine, Entertainment Weekly, House and Garden, on the View, and more. Her most popular venture has been The Jennifer Farrell Collection, featuring hundreds of furniture and décor pieces at nearly 1400 stores nationwide. She is a spokesperson for Realtor.com and a Brand Advocate for ForeverLawn.  We discuss her unique business strategy she calls "The Triangle Method", focusing on design, TV, and brand partnerships.  Jennifer shares tips on the creative process, breaking through in modern media, the power of collaboration, real estate trends, and interior design.   This episode is brought to you by "What Should I Do with My Money?: Economic Insights to Build Wealth Amid Chaos", available in paperback, Kindle, and audiobook wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2024-167850 Exp. 1/26

Host, Bryan Kuderna, provides a brief summary of the stock market in 2023, including the winners and losers of the year.  He shares his outlook for 2024 and economic indicators to look out for, including GPD, unemployment, inflation, and recession. This episode is brought to you by Bryan's new book, "What Should I Do with My Money?", available in paperback, Kindle, or audiobook wherever books are sold. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2024-167182 Exp. 1/26

Mark Chalmers is the President and CEO of Energy Fuels, the leading U.S. producer of uranium and an emerging global player in the commercial rare earth business.  He has consulted several key industry leaders in the uranium supply sector, including BHP, Rio Tinto, and Marubeni. Chalmers holds a Bachelor of Science in mining engineering from the University of Arizona, is a registered professional engineer, and served as the Chair of the Australian Uranium Council for ten years. He holds dual citizenship in the U.S. and Australia. To set the stage for our interview, the U.S. is the largest producer of Nuclear Power (almost double China) and 24% of our enriched Uranium comes from Russia.  The U.S. has banned Russian oil and natural gas, but not Uranium.  According to the Energy Information Administration, as of 2022, 18% of U.S. energy comes from nuclear, versus 61% from fossil fuels and 21% from renewables. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166766 Exp. 12/25

Scott Fulford is a senior economist at the Consumer Financial Protection Bureau and author of The Pandemic Paradox: How the COVID Crisis Made Americans More Financially Secure.  Scott Fulford led the development of the bureau's “Making Ends Meet” surveys. His wide-ranging policy and academic research examine the economic shocks people face and how they deal with them, as well as how economies grow and develop in the long term.  Scott has a PHD in Economics from Princeton. Order Scott's new book at https://www.amazon.com/Pandemic-Paradox-Crisis-Americans-Financially/dp/0691245320/ref=sr_1_1  Learn more about Scott at https://www.consumerfinance.gov/data-research/cfpb-researchers/scott-l-fulford/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166548 Exp. 12/25    

Dave Kerpen is a serial entrepreneur, NYT best-selling author, and global keynote speaker. Through best-selling books like "Likeable Social Media" and "The Art of People," he's become a thought leader in social media marketing and relationship-building. Dave is also the owner and Co-founder of Apprentice, a platform that connects the brightest college students with entrepreneurs and business leaders to help them tackle their toughest tasks in business.  Link to Apprentice:  https://chooseanapprentice.com Link to Frank Lautenberg article:  https://www.linkedin.com/pulse/20130204172115-15077789-3-amazing-life-lessons-from-a-chance-encounter/ This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-166556 Exp. 12/25  

I reveal 15 steps to overall success in work and life.  These are noted from my personal and professional experiences, and observations from the happiest and most successful people I've collaborated with over my 15-year career. Link to Paul Graham's "How To Do Great Work":  http://www.paulgraham.com/greatwork.html This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by PAS or Guardian. This material contains the current opinions of the speakers but not necessarily those of PAS, Guardian or its subsidiaries and such opinions are subject to change without notice. None of the organizations mentioned in this podcast have any affiliation with Guardian or PAS. Bryan Kuderna is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 50 Tice Blvd. Woodcliff Lake, NJ 07677 (973)244-4420. Securities products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Kuderna Financial Team is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #OK04194 #2023-165840 Exp. 12/25