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Some weeks call for rain boots because the conversation is going somewhere most people would rather avoid. This episode steps into charged territory on purpose: geopolitics, tariffs, China and Taiwan, Greenland, and the policy decisions shaping today's headlines. There's no posturing here and no outrage bait, just a willingness to talk through complex questions instead of skirting around them. From there, the focus shifts to what actually matters for investors: how markets tend to react when policy dominates the news cycle, why short-term volatility shows up, and how data and discipline help cut through the noise. It's a reminder that staying informed doesn't mean staying reactive. — Submit your questions for the next Ask Monument Anything episode at [email protected] — Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 — Mailbag Setup And Topic Preview 2:10 — Greenland, Policy Not Politics 6:30 — Western Hemisphere Strategy And Oil 9:40 — Tariff Threats And Market Volatility 13:40 — Rare Earths, Greenland, And Leverage 16:20 — China–Taiwan Risk And Market Impact 20:00 — Shipbuilding Gap And Naval Capacity   Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   Check out our Between Sips Podcast: Where Money Meets Meaning Because money without meaning never feels like wealth. https://monumentwealthmanagement.com/between-sips-podcast/ About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com 

A new year always brings fresh predictions, louder headlines, and plenty of pressure. In the first Off the Wall episode of the year, Nate W. Tonsager, CIPM and David B. Armstrong, CFA take a step back and anchor the conversation in the reality of what happened in 2025, and why that context is essential as we head into 2026. They reflect on the surprises that shaped last year and connected those lessons to the environment ahead. Key topics: Global markets and why international equities outpaced U.S. stocks in 2025 Volatility, drawdowns, and what last year revealed about investor behavior Why diversification showed up when it mattered most The absence of a recession and what surprised markets along the way Interest rates, inflation, and what the data suggests for 2026 Historical patterns that shape expectations for the year ahead —-   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 — We're back: college football picks and the market backdrop 2:46 — 2025 market winners: why global stocks outperformed 6:10 — The S&P 500 question, behavior gaps, and staying invested 12:23 — 2025 surprises: no recession, tariffs, and asset class shifts 21:18 — What worked: metals, market tails, and quiet standouts 24:48 — What we're watching for 2026: diversification, election-year volatility, and cash planning   Resources Mentioned: 11:41 - What is Direct Indexing? Customization, Taxes, and More - Monument Wealth Management - https://monumentwealthmanagement.com/resource/direct-indexing-benefits-taxes/   Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com 

In this Ask Monument Anything episode, we're answering real questions from listeners of the show. From a question about Michael Burry's bold predictions and why they continue to draw attention, to a discussion of Bitcoin's unusual performance in 2025 and the renewed curiosity around gold as a potential safe-haven asset, the conversation then shifts to private credit's emerging role inside 401(k) target-date funds.   Key takeaways: • The patterns that show up again and again when attention-grabbing forecasts circulate • Forces that pushed Bitcoin into an unexpected direction this year • A renewed focus on gold as investors look for steadier ground • Some new considerations for retirement savers as private credit enters target-date funds • Shifts in interest rates that reshape valuations and private-market activity • Context that helps separate meaningful insight from fast-moving headlines   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 – Your Questions Answered in This Episode 2:58 – The Michael Burry Obsession and Timing Challenges 10:20 – Consistency Over Hero Trades 12:40 – Bitcoin's 2025 Divergence and Crypto Volatility 20:10 – Supply, Demand, and the Case for "Own It or Don't" 23:15 – Private Credit in 401(k)s: Fees, Liquidity, and Hidden Risks 34:05 – Bonus Question: Rate Cuts and Private Equity Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "Off the Wall":    Markets are noisy. Your time is limited. Off The Wall cuts through the clutter. Hosts Dave Armstrong, CFA and Nate Tonsager, CIPM bring you straightforward, candid insights about what's really moving markets and why it matters for successful investors. From economic shifts to portfolio positioning, we break down the complexities so you can invest with intention and stay grounded when headlines and life feels chaotic.   Learn more about our hosts on our website at https://monumentwealthmanagement.com 

The holidays come fast and somehow the shopping and gifting part always seems to catch us by surprise. In this episode of Off The Wall, host David B. Armstrong, CFA is joined by Cathleen Phelps and Cecelia Gilliam from our Client Experience team as they sit down in full holiday mode to share ideas that make gifting feel fun again. From opening Roth IRAs for teens, funding 529 plans for nieces and nephews, and introducing kids to charitable giving, to practical strategies like shared family experiences, subscriptions, organizing spreadsheets, and even planning for parents who "don't need anything," the conversation covers it all. They also get into the memorable, messy, and hilarious stories that make holiday traditions special, plus creative ways to stay thoughtful without overspending. If you want ideas that actually help—without adding to December chaos—this one will brighten your season.       Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 – Disclaimers & Holiday Setup 2:45 – Making Gifting Joyful Again 6:55 – Smart Money Gifts for Kids & Family 10:14 – Experiences & Traditions 14:12 – Gifting for Adults & Practical Ideas 23:10 – Pets, Extended Family, Tight Years & Closing Connect with Monument Wealth Management:    David B. Armstrong, CFA on LinkedIn: https://www.linkedin.com/in/davidbarmstrong/   Cecelia Gilliam on LinkedIn: https://www.linkedin.com/in/cecelia-gilliam-86339a252/    Cathleen Phelps on LinkedIn: https://www.linkedin.com/in/catheendphelps/   Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "Off the Wall":    OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.    Learn more about our host Dave Armstrong on our website at https://monumentwealthmanagement.com   

Markets feel noisy right now, and investors are asking sharper questions than usual. In this episode of Off The Wall, Nate W. Tonsager, CIPM® and David B. Armstrong, CFA open with the surge in tech valuations and the unusual weight a handful of companies now hold inside the S&P 500. We'll hear about what that concentration means for volatility, why some portfolios feel out of sync with the index, and how listeners can think about risk when the market feels lopsided. Next, they talk about the current labor environment, which is a mix of hiring freezes and productivity changes, and what those signals might suggest for the next stretch of the economic cycle. They reflect on the themes from Warren Buffett's final shareholder letter and the kind of mindset that helps people stay steady through big market swings. Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights: 0:00 - Welcome And AMA Setup 3:23 - Why Tech Valuations Drive Volatility 6:56 - Index Concentration And Investor Tradeoffs 13:30 - PE Ratios, Magnificent Seven, And Earnings Power 19:45 - Risk Management Over Chasing Returns 26:06 - Grading The Labor Market:  31:05 - Layoff Data, AI Productivity, And Hiring 34:00 - Fire Drills For Portfolio Risk   Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "Off the Wall":    OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.    Learn more about our host Dave Armstrong on our website at https://monumentwealthmanagement.com

2025 has been a rough year for charities. Economic uncertainty, decreased federal funding, political polarization – in many ways, nonprofits are facing a lot of the same challenges they did during Covid, as well as a few new ones. Charitable organizations need your donations now more than ever.  In this episode, we're joined by former OFF THE WALL co-host and Partner at Monument, Jessica Gibbs, CFP® as she highlights three current trends in charitable giving and how you can adjust your giving strategy to help make a bigger impact. If you're currently looking at end-of-year giving or planning ahead for next year, be sure to tune in for the full episode.       Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   0:00 Disclosure 0:24 The Future of Giving 3:13 The State of Nonprofits Today 8:26 Funding Pressures and the Power of Flexibility 14:17 Burnout, Morale, and Donor ROI 21:01 Sustaining Impact Through Multi-Year Giving 26:09 How to Give with Intention 30:42 Closing Thoughts and Resources Resources Mentioned: Check out our sister podcast, Between Sips: https://monumentwealthmanagement.com/between-sips-podcast/   Watch 75th Episode of OFF THE WALL on YouTube: https://youtu.be/pc_3Z7f7CY8   Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "OFF THE WALL":    Markets move fast. OFF THE WALL helps you stay one step ahead. Hosts David B. Armstrong, CFA, and Nate Tonsager, CIPM, are talking about the things that Wall Street isn't: breaking down what's really happening in the markets and economy, how it impacts your wealth, and the smart moves to consider right now.    Learn more on our website at https://monumentwealthmanagement.com/off-the-wall-podcast/

It's the start of a new quarter, which means it's time for a market recap and our special "Ask Monument Anything" segment. David Armstrong, CFA, gets back together with Erin Hay, CFA, CMT, and Nate Tonsager, CIPM, to walk through the latest market moves, where momentum is showing up, and what investors should be paying attention to. This quarter, they dig into alternatives, gold's surprising surge, and whether today's bull market has more room to run. They also share candid thoughts on cash, dividends, and why being intentional with your portfolio matters more than chasing the latest trend. It's a thoughtful look at what's shaping the markets today and how those themes might matter for investors moving forward. Tune in!! Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights: 0:00 – Disclosure 0:53 – Market recap 7:01 – Alternatives explained 10:30 – Private equity pitfalls 14:39 – Gold's big rally 22:20 – Bull market signals 25:46 – Cash and dividends 37:02 – Final thoughts 41:30 – Disclosure   Connect with Monument Wealth Management:    Visit our website: https://monumentwealthmanagement.com/   Follow us on Instagram: https://www.instagram.com/monumentwealth/#   Connect on LinkedIn: https://www.linkedin.com/company/monument-wealth-management/   Connect on Facebook: https://www.facebook.com/MonumentWealthManagement   Connect on YouTube: https://www.youtube.com/user/MonumentWealth#Fit   Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   David Armstrong on LinkedIn: https://www.linkedin.com/in/davidbarmstrong/   Nate Tonsager on LinkedIn: https://www.linkedin.com/in/nate-tonsager/   Erin Hay on LinkedIn: https://www.linkedin.com/in/erinhay/    About "Off the Wall":    OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.    Learn more about our host Dave Armstrong on our website at https://monumentwealthmanagement.com 

When you hit 60, there's a mental shift that begins to occur. After spending 30+ years earning and saving, you are suddenly just a few years away from beginning to spend your retirement income. It's a challenge every retiree faces: How do you step away from regular paychecks to drawing down your savings every month? In this episode, we discuss how to create an option-rich life in retirement, where your money will come from, how to handle taxes, how to stay flexible, and much more! Tune in to hear the whole conversation.   0:00 – Disclosure 0:48 – Kicking off the 75th episode milestone 7:22 – The shift from saving to spending in retirement 12:05 – Translating a balance sheet into a retirement lifestyle 17:55 – Mapping out income timelines and the "go-go years" of retirement 26:24 – Flexibility vs. fixed income: common pitfalls with annuities 32:23 – Illustrated projections in retirement products   Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures Connect with Monument Wealth Management:  Visit our website Subscribe to our Private Wealth Newsletter  Subscribe on YouTube Follow us on: LinkedIn, Instagram, and Facebook  Emily Harper on LinkedIn David B. Armstrong on LinkedIn   About "Off the Wall":  OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.  Learn more about our host, David B. Armstrong, on our website at https://monumentwealthmanagement.com 

For many investors, the Dow Jones or S&P 500 or NASDAQ might as well be the same thing, but that's not true at all. In today's episode, Dave, Nate, and Erin dive into the differences between the big three indices and whether you should look to them as indicators of how your own portfolio is doing (spoiler alert: no, you shouldn't). So what should you be tracking to get the best picture of your performance? And how can you avoid the most common mistakes people make when trying to track their portfolio on their own? Tune in to find out!       Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights:   00:00 - Disclosure and Intro 0:23 - Understanding Market Indexes 6:42 - The Big Three: Dow, S&P, NASDAQ 13:40 - Points vs. Percentages: What Matters 20:12 - Comparing Portfolio Performance Properly 26:52 - Personal Benchmarks and Financial Planning 31:05 - Performance Calculation Pitfalls   Connect with Monument Wealth Management:    Visit our website   Follow us on Instagram   Connect on LinkedIn   Connect on Facebook   Connect on YouTube   Subscribe to our Private Wealth Newsletter    About "Off the Wall":    OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.    Learn more about our host Dave Armstrong on our website at https://monumentwealthmanagement.com   

In this special Q2 Market Review episode of Off the Wall, we're introducing a new segment: Ask Monument Anything (AMA). Dave, Nate, and Erin answer questions from clients and listeners, and also cover what went down in the markets during the second quarter of 2025. They cover everything from interest rates and inflation to timing your investment strategy and understanding international diversification.  If you are wondering how to approach market timing, if cash is still king, or if international stocks should fit into your portfolio, this episode is for you! Dedicated email address for the Ask Monument Anything (AMA) section: [email protected]        Please see important podcast disclosure information at https://monumentwealthmanagement.com/disclosures   Episode Timeline/Key Highlights: 0:00 Disclosure   1:10 Launch of "Ask Monument Anything" (AMA) Segment 2:22 Second Quarter Review 4:47 Should/Will the Fed Start Cutting Rates? 11:00 Tariffs and Inflation 15:01 Are private equity and private credit outperforming the S&P500? 24:21 Mid-Year Predictions Recap: Dave   29:25 Mid-Year Predictions Recap: Nate   33:28 Mid-Year Predictions Recap: Erin  37:52 Final Thoughts + Newsletter and Bonus Content Reminder   39:10 Disclosure    Connect with Monument Wealth Management:  Visit our website Follow us on Instagram Connect on LinkedIn Connect on Facebook Connect on YouTube Subscribe to our Private Wealth Newsletter:    About "Off the Wall":  OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.  Learn more about our hosts, Dave and Jessica, on our website at https://monumentwealthmanagement.com   

If stock-based compensation is a major part of your wealth portfolio, down markets can be stressful. In this episode, Jessica Gibbs, CFP® and Emily M. Harper, CFP®, break down how to approach equity compensation, even when the markets are rocky. From tax planning to direct indexing and long-term diversification, they explore some ideas that can potentially reduce risk and create opportunities. Strategies like mapping out your vesting schedule and cash needs can keep you focused and on track during market swings. If you're an executive with stock compensation, this conversation will help you understand how to make informed decisions and respond with intention, instead of emotion. Resources Mentioned in the Episode: What is Direct Indexing and How Does it Work? with Pat McStay Top Executive Compensation Strategies You Should Know with Laura Balser     Please see important podcast disclosure information at https://monumentwealthmanagement.com/   Episode Timeline/Key Highlights: 0:00 Important Disclosure 1:00 Introduction to Stock-Based Compensation 1:40 Common Mistakes for Building Wealth Through Stock Compensation 2:40 Common Risk Mentalities of Executives  5:26 Assessing Concentration Risk 9:00 Building a Sell Strategy  15:40 Market Volatility and Stock Comp 22:00 Episode Wrap-Up and Resources 23:20 Important Disclosure   Connect with Monument Wealth Management:    Visit our website: https://bit.ly/monumentwealthwebsite     Follow us on Instagram: https://bit.ly/MonumentWealthIG     Connect on LinkedIn: https://bit.ly/MonumentWealthLI     Connect on Facebook: https://bit.ly/MonumentWealthFB     Connect on YouTube: https://bit.ly/YouTubeMWMFit    Subscribe to our Private Wealth Newsletter: https://monumentwealthmanagement.com/subscribe/   About "Off the Wall":    OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.    Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.

AI is evolving fast, but what does it mean for how we think, work, invest, and lead? In this episode of Off the Wall, David B. Armstrong, CFA, and Nate W. Tonsager, CIPM, sit down with AI & Exec Advisor and Fractional CMO Liza Adams to unpack AI's real impact and how the most successful leaders are using it. From creating your own GPT to navigating the fear of job loss, they explore how AI is transforming everything from creative thinking to strategic decision-making. Bonus: Liza shares her GRACE framework for writing better prompts and explains why embracing AI as a thought partner—not just a tool—could be the key to staying relevant in a rapidly shifting landscape.   Please see important podcast disclosure information at https://monumentwealthmanagement.com/   Episode Timeline/Key Highlights: 0:00 Introduction & Important Disclosure 4:51 AI Truths 9:05 Digital Twins and AI as Teammates 14:02 Liza's GRACE Framework 16:31 Evolution of Jobs 26:40 Empathy in AI Adoption 39:20 Making AI Work for Business 44:17 Closing Remarks and Resources   About Liza Adams: Liza Adams is an AI and executive advisor, fractional CMO, and founding partner at GrowthPath Partners. With over 20 years of experience leading businesses and go-to-market teams through industry inflection points, she helps organizations accelerate responsible AI adoption through strategic marketing transformation and applied AI initiatives. Her work has driven measurable impact—achieving 35% better campaign performance, 98% lead qualification accuracy, and 75% faster content creation in just six months.  Recognized as a top AI thought leader by SaaStr and Pavilion, she's also been named one of the "50 CMOs to Watch." Her insights have been featured in Forbes, MarketingProfs, and more. In this conversation, she shares what it takes to scale teams with both human and AI talent, and why responsible innovation is the key to long-term growth.   Connect with Liza on LinkedIn: https://www.linkedin.com/in/lizaadams/ Connect with Monument Wealth Management:  Visit our website: https://bit.ly/monumentwealthwebsite   Follow us on Instagram: https://bit.ly/MonumentWealthIG   Connect on LinkedIn: https://bit.ly/MonumentWealthLI   Connect on Facebook: https://bit.ly/MonumentWealthFB   Connect on YouTube: https://bit.ly/YouTubeMWMFit  Subscribe to our Private Wealth Newsletter:    About "Off the Wall":  OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.  Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.

Are tariffs the problem or just a symptom? Recent tariff announcements are stirring up uncertainty. What does that mean for inflation, economic growth, and investor sentiment? In this episode of Off the Wall, hosts Jessica Gibbs, CFP®, and David B. Armstrong, CFA, are joined by Monument Wealth Management's Portfolio Management team Erin M. Hay, CFA, CMT®, and Nate W. Tonsager, CIPM® to address the biggest market headlines in the first quarter of 2025. Dave breaks down where we've seen the biggest market swings, Erin digs into how sector rotation and technical indicators are shaping his outlook, and Nate explains that market volatility works both ways and isn't just to the downside. The conversation then delves deeper into the realities of market volatility, exploring why corrections and sharp sell-offs are less about impending doom and more about natural market cycles. Hear their candid discussion on the challenges of timing the market, the importance of maintaining a cash buffer, and why a long-term strategy remains your best defense amid short-term noise. Please see important podcast disclosure information at https://monumentwealthmanagement.com/   Episode Timeline/Key Highlights: 0:00 Introduction & Important Disclosure 1:30 What Happened in the Q1 Market 2:40 Important Headlines from Q1 10:17 Tariffs and What They Mean for Investors 15:30 What Investors May Be Missing  25:30 Getting Lost in the Headlines 28:30 How to Deal with Volatility in the Market 37:30 Concluding Thoughts Connect with Monument Wealth Management:    Visit our website: https://bit.ly/monumentwealthwebsite   Follow us on Instagram: https://bit.ly/MonumentWealthIG   Connect on LinkedIn: https://bit.ly/MonumentWealthLI   Connect on Facebook: https://bit.ly/MonumentWealthFB   Connect on YouTube: https://bit.ly/YouTubeMWMFit  Subscribe to our Private Wealth Newsletter: https://bit.ly/monumentunfiltered   About "Off the Wall":    OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.    Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.  

Private Equity seems to be having a moment. After a few decades of being reserved for the most qualified investors, the gates have been opened to the masses. Today, we're looking at just why this shift is happening, what it means for you, and what you should consider before investing in Private Equity including returns, fees, and flexibility compared to the stock market. In this episode of Off the Wall, hosts David B. Armstrong, CFA®, and Erin M. Hay, CFA®, CMT®, are joined by George Coyle, Chief Investment Officer of Triangulated Capital Management to answer the most pressing questions around Private Equity investing today. "We had arguably 15 to 20 years of very low interest rates. How much low-hanging fruit or fruit at all on the tree of private equity is left? It seems to me that anything that could be made efficient probably would have been at this point. You just gotta wonder…what's left to make more efficient?" Please see important podcast disclosure information at https://monumentwealthmanagement.com/   Episode Timeline/Key Highlights: 0:00 Introduction & Important Disclosure 1:13 Guest and Topic Introduction: George Coyle and Private Equity 4:15 Why Private Equity Is Going After the Public Masses 8:02 Should Private Equity Be Included in a Portfolio? 15:13 The Diversification 'Benefits' of Private Equity 25:58 Private Credit and Private Equity 28:49 Public vs. Private Markets 32:09 Fiduciaries Vs. Broker-Dealers 42:58 Alternatives to Private Equity 48:46 Concluding Thoughts   About George Coyle: George is the founder of Triangulated Capital Management, an investment advisor that utilizes tactical investment strategies to produce better risk adjusted returns for investors. George is also the founder of Triangulated Research, a publisher that focuses on thematic secular investment trends.   Resources Mentioned: Principles of Great Traders: https://triinv.com/traderprinciples  Leveraged Small Value Equities (Study): https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2639647   Connect with George Coyle on LinkedIn: https://www.linkedin.com/in/george-coyle-232b7421/ Connect with George Coyle on Twitter/X; https://twitter.com/gfc4/status/1894490001037050247 Market Meditations on Substack: https://triinv.substack.com/ The Stock Market Strategist on Substack: https://mktstrat.substack.com/  Learn more about Triangulated Capital Management: https://tricapm.com/   Connect with Monument Wealth Management:  Visit our website: https://bit.ly/monumentwealthwebsite Follow us on Instagram: https://bit.ly/MonumentWealthIG Connect on LinkedIn: https://bit.ly/MonumentWealthLI Connect on Facebook: https://bit.ly/MonumentWealthFB Connect on YouTube: https://bit.ly/YouTubeMWMFit Subscribe to Monument #Unfiltered: https://bit.ly/monumentunfiltered   About "Off the Wall":  OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.  Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.  

The most common question advisors get is, "What should I do with my money?" The most common answer? "It depends." Today, we explore the "why" behind that question and dive deeper into how it connects to your evolving life goals. In this episode of Off the Wall, hosts Jessica Gibbs, CFP®, and David B. Armstrong, CFA®, are joined by Marla Sofer, founder of the fintech startup, Knomee. We discuss the journey to self-actualization, how understanding your purpose influences financial decisions, and why clarity on your goals makes money management easier. But how do you define your purpose and communicate it effectively to your advisor? Tune in to find out! "You might be an expert, but it doesn't mean you're making the right decisions for yourself." Please see important podcast disclosure information at https://monumentwealthmanagement.com/   Episode Timeline/Key Highlights: 0:00 Introduction & Important Disclosure 1:33 Knomee and Aligning Wealth With Personal Values 12:00 Self-Actualization or Vocational Independence? 16:25 Financial Goals and Retaining an Advisor 24:00 Work as a Purposeful Choice Within Purposeful Wealth 27:40 Should you "DIY" Your Investing and Wealth Planning? 31:43 What to Look For in an Advisor 33:30 Matchmaking, Relationships, and Your Financial Advisor 37:39 The Knomee Journey 43:05 LinkedIn Influencing 46:26 Concluding Thoughts About Marla Sofer: Marla Sofer, Founder and CEO of Knomee, is reshaping the way individuals—and their financial advisors—approach wealth and financial confidence. With leadership experience at BlackRock, Microsoft, and JP Morgan, she saw firsthand how the financial industry prioritizes products over solutions. Frustrated by the lack of meaningful personalization, she built Knomee to change that. Knomee introduces the concept of Financial Identity™, helping individuals uncover their values, clarify their financial priorities, and align their money with what truly matters. It's a tool for self-discovery, financial empowerment, and stronger connections—whether with existing advisors or finding the right one. For wealth advisors, Knomee serves as a breakthrough discovery platform—helping them engage clients on a deeper level, strengthen relationships, and ensure their advice aligns with evolving life goals. Marla is a recognized thought leader with 13,000+ LinkedIn followers, recently named an executive woman to know by Wednesday Women. Whether you're an individual seeking clarity or an advisor looking to differentiate, Marla's insights and Knomee's approach are transforming the future of financial advice.   Connect with Marla on LinkedIn: https://www.linkedin.com/in/marlasofer/ Learn more about Knomee: https://www.knomee.com/ and https://www.knomee.com/advisor Connect with Knomee on YouTube: https://www.youtube.com/@KnomeeApp Connect with Knomee on Instagram: https://www.instagram.com/knomeeapp/ Connect with Knomee Knomee on Facebook: https://www.facebook.com/KnomeeApp/ Connect with Monument Wealth Management:  Visit our website: https://bit.ly/monumentwealthwebsite   Follow us on Instagram: https://bit.ly/MonumentWealthIG   Connect on LinkedIn: https://bit.ly/MonumentWealthLI   Connect on Facebook: https://bit.ly/MonumentWealthFB   Connect on YouTube: https://bit.ly/YouTubeMWMFit  Subscribe to Monument #Unfiltered: https://bit.ly/monumentunfiltered   About "Off the Wall":  OFF THE WALL is a podcast for business professionals and high-net-worth investors who want to build wealth with purpose. A little bit Wall Street, a little bit off-the-wall; it's your go-to for straightforward, unfiltered wealth advice on topics that founders, business owners, and executives care about.   Learn more about our hosts, Dave and Jessica on our website at https://monumentwealthmanagement.com.