Episodios

  • What Actually Happens When Social Security "Goes Broke"?

    What Actually Happens When Social Security "Goes Broke"?
    Jun 6 2025
    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.

    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

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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.
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    33 m
  • Getting Real About Real Estate in 2025

    Getting Real About Real Estate in 2025
    Apr 25 2025
    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 Kristie.Eddy@Sothebys.Realty http://www.kristieeddy.com/ DRE# 02095273 Mary Bienek, Realtor Sotheby's International Realty (707) 787-8659 Mary@marybienek.com https://www.sothebysrealty.com/eng/associate/180-a-3176-66368357/mary-bienek DRE#01877389 Morgan Devencenzi Sullivan Group @ eXp Realty (707) 696.8654 Morgan@sullivangroupwinecountry.com https://morgansullivan.exprealty.com/index.php DRE Number: 02092448 Miguel Paredes III Holmes Burrell Real Estate (415) 233-3235 Miguel@holmesburrell.com https://miguel.viewnorthbayhomes.com/ DRE License# 01790855 Chris Meadors Compass Napa and Sonoma (707) 287-3528 Chris@meadorsgroup.com https://www.meadorsgroup.com/ DRE #02024636 Mary Fillinger Pearson Fillinger Group @ Hedge Realty (650) 703-4800 mary@fillingerteam.com 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.
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    1 h y 7 m
  • You Don't Want To Hear This Episode...About Estate Mistakes

    You Don't Want To Hear This Episode...About Estate Mistakes
    Mar 12 2025
    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.
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    31 m
  • 8 Ways Sonoma Wealth *Thinks* About Money

    8 Ways Sonoma Wealth *Thinks* About Money
    Feb 26 2025
    “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.
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    45 m
  • What Is Tax Planning?

    What Is Tax Planning?
    Feb 11 2025

    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.
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    28 m
  • Is It Time To Breakup With Your Broker?

    Is It Time To Breakup With Your Broker?
    Jan 24 2025
    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.
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    32 m
  • From Carpenter To Cattle Rancher: Johnny Fagundes Of Full Circle Ranches

    From Carpenter To Cattle Rancher: Johnny Fagundes Of Full Circle Ranches
    Jan 8 2025
    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.
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    35 m
  • Back To School With A Billion (First Live Audience!)

    Back To School With A Billion (First Live Audience!)
    Dec 27 2024
    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
    _______________
    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.
    Más Menos
    58 m
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