Purpose Driven Finances

Purpose Driven Finances
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Welcome to Purpose Driven Finances — the podcast that helps you use your money as a tool to fulfill the plan and purpose for your life. Hosted by Allan Malina, founder of Servus Capital Management, each episode brings you practical strategies, insightful conversations, and timely commentary on personal finance and investing. We guide you toward clarity and confidence, whether you’re planning for retirement, navigating life transitions, or simply looking to make wiser financial decisions. We cover a wide range of topics—from budgeting, debt management, and investment strategies to retirement planning and legacy planning—plus commentary on current economic trends to keep you informed. Because money isn’t the goal—living with purpose is. Learn more at www.servuscm.com Thanks for listening, and welcome to Purpose Driven Finances.

  1. 23/12/2025

    PURPOSE-DRIVEN GIVING — BLUE RIDGE PREGNANCY OF LYNCHBURG VA

    Air Date: December 20, 2025 Episode: Purpose-Driven Giving — Blue Ridge Pregnancy Center of Lynchburg, VA This episode connects market clarity with community impact. Allan begins with a portfolio and market update, then shifts the focus to purpose-driven giving, highlighting how local organizations strengthen families and provide stability during critical life moments. 📈 Segment One — Portfolio & Market Update Allan breaks down several key developments shaping the current environment: AI & Hyperscale Data Centers: Headlines around uncertainty near a major AI-linked data center project raise questions about infrastructure spending. Allan explains why hyperscale data centers matter to AI development and why isolated headlines don’t necessarily signal a slowdown in long-term investment.CPI Inflation Report: Inflation cooled to 2.74%, below expectations and down meaningfully from prior readings, reinforcing the trend toward easing inflation pressures.Looking Ahead to 2026: Despite narratives suggesting challenges ahead, current data shows lower inflation and stabilizing growth—conditions increasingly consistent with an early Quad 1 environment. The takeaway: markets are transitioning, and disciplined process matters more than reacting to headlines. 🧭 Segment Two — Purpose-Driven Giving: Investing in Our Community Nonprofit Spotlight: Blue Ridge Pregnancy Center — Lynchburg, VA Guests: Jane Oliver (Executive Director) & Adara Wright (Marketing Director) The second half of the episode focuses on purpose-driven giving and the real needs facing women and families in the Lynchburg community. Jane and Adara share their personal purpose, what led them to serve, and the mission of Blue Ridge Pregnancy Center. The discussion explores the challenges families face today, why local support matters, and how the Center provides care, guidance, and practical resources. Allan and the guests also discuss year-end giving opportunities and how listeners can support the Center through donations or involvement before year-end. This conversation highlights how generosity, when aligned with purpose, creates real and lasting impact. 💬 Key Takeaway Clear thinking in markets and purposeful generosity in community both stem from the same discipline: intentional stewardship.

    30 min

  2. 15/12/2025

    PURPOSE-DRIVEN GIVING — FIVE18 OF LYNCHBURG, VA

    📌 PURPOSE-DRIVEN GIVING — FIVE18 OF LYNCHBURG, VA Air Date: December 13, 2025 Episode: Purpose-Driven Giving — Five18 of Lynchburg, VA This episode brings together markets, purpose, and community impact. Allan begins with a December market and portfolio update as the economy transitions into a more growth-friendly environment, then shifts the conversation to purpose-driven giving, spotlighting Five18 of Lynchburg and its mission to support teens and young adults navigating critical life transitions. 📈 Segment One — Portfolio & Market Update (December 2025) In this segment, Allan covers the key forces shaping markets as we head into 2026: The Federal Reserve cut rates by 0.25%, marking the first cut of the cycle and confirming a transition toward an early Quad 1 environment. The move signals confidence in cooling inflation and stabilizing growth—historically supportive for borrowing, investment, and equity multiples—while reducing the appeal of overly defensive, cash-heavy positioning.The Fed restarted quantitative easing, injecting $40 billion per month through at least April. This liquidity supports financial conditions heading into the new year and creates a classic early-cycle setup where rate cuts and QE tend to favor risk assets, growth sectors, and innovation. Allan cautions that QE can distort short-term price signals, reinforcing the need for discipline using the PVV and Quad frameworks, especially as tax refunds add further liquidity.Oracle announced a $50 billion capital expenditure plan for next year, up from roughly $35 billion. This reflects accelerating demand for AI infrastructure, data centers, and cloud expansion, signaling a multi-year investment cycle across corporate America. The implications are mixed for industrials, semiconductors, data-center REITs, and the broader AI supply chain. The takeaway from Segment One: markets are entering a more growth-friendly regime, but disciplined process matters as liquidity and policy shifts can amplify short-term noise. 🧭 Segment Two — Purpose-Driven Giving: Investing in Our Community & Harvesting a Tax Break Nonprofit Spotlight: Five18 of Lynchburg Guest: Jeff Nitz, CEO December’s theme focuses on purpose-driven giving—using money as a tool for impact, alignment, and lasting value. Allan highlights nonprofits that strengthen families, support young people, and improve the greater Lynchburg community. This week’s featured organization is Five18, which serves families facing instability, crisis, and major life transitions. Allan welcomes Jeff Nitz, CEO of Five18, to discuss the organization’s mission, impact, and the needs being met every day. Five18 fills a critical gap during the transitional years by providing structure, mentorship, life skills, and emotional support—helping families find direction, stability, and hope during seasons when guidance matters most. Jeff shares the personal experiences that shaped his calling to serve and explains what drives his commitment to the families and young people of Lynchburg. The conversation also explores how Five18 meets community needs through financial support, mentorship, skills training, counseling, and consistent adult presence. Allan and Jeff discuss year-end giving opportunities, how donations can be put to work immediately—funding meals, tutors, supplies, and staffing—and how generosity can align purpose with practical tax planning. Listeners are encouraged to support the mission by visiting five18.org. 💬 Key Takeaway When markets turn toward growth and communities face real needs, purpose-driven decisions—both in investing and giving—create clarity, impact, and lasting value. 📞 Connect With Us Call Allan: 434-316-0246 Learn more: www.servuscm.com

    30 min

  3. 12/12/2025

    Markets, Purpose & Year-End Decisions

    📌 PURPOSE DRIVEN FINANCES — Air Date: December 6, 2025 Episode: When Plans Change — Markets, Purpose & Year-End Decisions When a scheduled guest couldn’t make the show, Allan shifted into an unscripted, practical conversation about markets, families, and end-of-year financial clarity. This episode blends real-world investing insight with purpose-driven reflections every family can use as 2025 winds down. 📈 Segment One — Market & Portfolio Update In this episode, Allan breaks down: Fragile December market conditions and an elevated-volatility setup. Moving into a good 2026.Tech concentration risk around NVIDIA and why diversification matters more than ever.Shifts in bond yields and increasing expectations for 2026 rate cuts.Clear principles for year-end portfolio positioning: quality, diversification, and disciplined process. The message is simple: emotions create chaos; process creates clarity. 🧭 Segment Two — Planning, Purpose & Real-Life Decisions With no guest, Allan turns the conversation toward what really matters: How to approach year-end decisions with clarity instead of stress.Why purpose must anchor your financial strategy.Practical reminders: retirement contributions, charitable giving, and family stewardship.Encouragement for families who want to finish the year strong and begin 2026 with direction. This is an episode about leadership — in your home, your finances, and your future. 💬 Key Takeaway When plans change, purpose steadies the wheel. Clarity and discipline help families move through uncertainty with confidence and direction.

    30 min

  4. 03/12/2025

    Proactive Tax Planning: For Families

    Allan

    30 min

  5. 26/11/2025

    Proactive Tax Planning: Small Business

    Air Date: November 22, 2025 Episode: Proactive Tax Planning: Small Business This week, Allan helps small business owners cut through complexity and make confident tax decisions. With markets shifting into late-year defensive quads and rate uncertainty rising, proactive planning becomes an essential part of protecting cash flow and positioning your business for the new year. 📈 Segment One — Market & Portfolio Update In this episode, Allan breaks down: Monthly Quad Shift: November tracking as Quad 3, December shifting into Quad 4, reinforcing the move toward defensive sectors and cash-flow-focused assets.Interest Rates: Fed Chair’s Thursday remarks pushed back on early rate-cut expectations → yields up, equity futures down.Japan’s Government + BOJ: United stance on yen weakness and inflation risk; “strong urgency” around FX stability adds global volatility.Flows & Gamma: Trend-following CTAs nearing forced-sell levels ($30–$40B potential). Dealer gamma flipping negative → heightened volatility as vol-control funds de-lever. Takeaway: Late-year markets are driven more by positioning and liquidity than narratives. Discipline keeps you prepared, not surprised. 🧭 Segment Two — Planning, Purpose & Real-Life Decisions Remember consult your CPA or accountant for advice that pertains to you. This is just an example and may not apply to you or may change due to tax code, etc. Proactive Tax Planning for Small Business Owners (LLCs Taxed as S-Corps) We answer the practical questions small business owners ask most: What an S-Corp election actually does — your LLC stays the same; you're simply choosing an S-Corp tax treatment.How income is split — salary (subject to payroll tax) vs. distributions (not subject to payroll tax).The core tax benefit — distributions avoid the 15.3% payroll tax; both salary and distributions are taxed at your income-tax bracket.What “reasonable salary” means — BLS benchmarks and Central VA norms often fall in the $36,000–$48,000 range.How owner distributions work — taken from profit, not payroll-taxed.Compliance responsibilities — W-2 payroll, quarterly filings, annual 1120-S return, K-1 for owners, and tight bookkeeping. A clear reminder: structure brings clarity, and clarity gives business owners the freedom to operate with purpose and confidence. 💬 Key Takeaway Proactive tax planning protects cash flow and strengthens your ability to run a business rooted in purpose, not pressure. 📞 Connect With Us Call Allan: 434-316-0246 Learn more: www.servuscm.com

    30 min

  6. 18/11/2025

    Risks to Your Retirement: Protecting Your Future from Fraud, Divorce and Death

    Risks to Your Retirement: Protecting Your Future from Fraud, Divorce & Death Purpose Driven Finances — July 25, 2025 This episode blends your quarterly Quad outlook with a straight-talk conversation on the three threats that quietly destroy retirement plans when families aren’t prepared. 🎙️ Segment One — Portfolio Update: Quad 3 → Quad 2 Prep The quarter sits in Quad 3 (Stagflation), but indicators show a rotation into Quad 2, where inflation rises and growth softens. What the data is signaling: Industrials +5.1% — historically strong in Quad 2Utilities +0.5% — historically weakInflation pressures remain firmDollar strength now, weakness laterBonds require tactical positioning “Don’t chase narratives. Prepare intentionally. The quad shift tells you where opportunity is hiding.” 🛡️ Segment Two — Risks to Your Retirement: Protecting Your Future from Fraud, Divorce & Death Most families believe retirement risk is all about the market. It’s not. The biggest threats are human, emotional, and structural—and they hit when you least expect it. 1. Fraud — The Silent Retirement Killer The risk: Retirees are the #1 target for fake investments, phishing scams, romance scams, charity fraud, and even financial abuse by relatives. How to protect yourself: Enable fraud alerts & multi-factor authenticationAdd “trusted contacts” to every financial accountSlow down: real investments never require immediate actionUse Virginia’s Fraud Against the Elderly resources 📌 “If it sounds too good to be true — it is.” 2. Divorce — The Late-Life Shock The risk: “Gray divorce” is growing rapidly. One divorce can split retirement assets, disrupt income, and double living expenses. How to protect yourself: Clarify account ownership & titlingConsider prenups/postnups if remarryingUpdate beneficiary designations after divorce 📌 “Divorce is emotional — but the financial impact lasts decades. Planning early preserves your stability.” 3. Death — Planning for the Inevitable The risk: A spouse’s death triggers income loss, probate delays, and financial confusion. How to protect your family: Keep wills, trusts & beneficiaries up to dateMaintain enough life insurance to replace income or pay off debtCreate a survivor income plan (Social Security, pensions, annuities) 📌 “Love your spouse enough to plan ahead.” ✔️ Segment Three — Simple Action Plan Three steps every retiree (and their adult children) should take today: Audit accounts for fraud protectionAdd trusted contacts, enable alerts.Update legal documents & beneficiariesEspecially after divorce, remarriage, or major life changes.Create a survivor income planDocument what happens to each income source when one spouse passes. 🎯 Closing Message “Retirement isn’t just about saving enough — it’s about protecting what you’ve built from life’s curveballs.” For a personalized review of your retirement protection plan: 📞 434-316-0246 🌐 www.servuscm.com Next Week: How inflation and healthcare costs quietly erode retirement—and how to guard against both.

    30 min

  7. 18/11/2025

    Senior Risk Management

    Stagflation, Quad Shifts & Senior Risk Management Aired July 19, 2025 This week, Allan updates listeners on the economic transition ahead—and continues July’s series on Risk Management, focusing specifically on what seniors face in today’s environment. 🎙️ Segment One — Portfolio Update: Stagflation → Quad 2 The quarter remains in Quad 3 (Stagflation), but models show a transition toward Quad 2, where inflation accelerates and growth lags. Allan explains what that shift means for investors: Key Signals to Watch 📈 Inflation picking up (the key driver)📊 Inflation-sensitive assets rising: commodities, metals, oil💵 U.S. dollar strong short-term, weaker long-term🧾 Tariff letters? Mostly noise—no real impact yet🔄 Portfolio positioning: preparing for inflation, adjusting bond exposure, reassessing dollar-based assets The message is simple: “Prepare your portfolio for an inflationary push—not a collapse.” 🛡️ Segment Two — Risk Management for Seniors Seniors face the same risks as any family, but age adds new layers: fixed income, higher healthcare costs, physical vulnerability, and emotional risks like isolation. Allan reframes risk management as: “Protecting independence, preserving dignity, and preventing financial harm.” 🔹 1. Health & Long-Term Care Risk Risks: chronic illness, surgeries, long-term care needs Tools: Annual Medicare review (especially Part D)Long-term care or hybrid policiesAdvanced directives & living wills 🔹 2. Financial & Fraud Protection Seniors are the #1 target for scammers. Tools: Trusted contacts on accountsCredit monitoring & fraud alertsFamily or advisor oversightAvoiding pressure tactics “If it’s rushed or sounds too good to be true, it is.” 🔹 3. Social & Emotional Risk (Isolation) Isolation increases exploitation and cognitive decline. Tools: Church groups, senior centers, community programsTechnology for connectionRegular family/neighbor check-ins 🔹 4. Fear & Decision Paralysis Doing nothing can be the biggest risk. Tools: Break decisions into small stepsUse professionals (CFP, elder-law attorneys)Have family conversations early, not during crisis 🧭 Virginia Resources Virginia provides strong local support through Area Agencies on Aging, including: Transportation assistanceWellness checksFraud-prevention workshopsPlus community programs and SeniorNavigator.org for statewide help. ✔️ Action Plan for Seniors & Families Review wills, POA, and advanced directivesAdd fraud protections to financial accountsReevaluate Medicare, supplements, and LTC insuranceBuild a consistent social routineTalk openly with trusted family or advisors 📞 Contact Allan Malina: 434-316-0246 🌐 www.servuscm.com

    30 min

  8. 18/11/2025

    Real-World Family Risk Management

    Stagflation, Rising Inflation & Real-World Family Risk Management Aired July 12, 2025 In this episode, Allan breaks down the next phase of the economic cycle and continues July’s deep dive into Risk Management for Families—what it is, why it matters, and how to protect your household from the threats most people underestimate. Segment One — Portfolio Update: Stagflation → Quad 2 (But With a Warning) The quarter remains in Quad 3 (Stagflation)—slow growth, rising inflation. But models show a shift toward Quad 2, where inflation accelerates and growth stays “meh.” Allan explains what’s driving this transition and what investors should prepare for. Market Signals to Watch Interest rate changes as the Fed responds to sticky inflationInflation rising, fueled by energy, commodities, and government policyInflationary assets climbing sharply — gold, oil, industrial metalsThe U.S. dollar strong for now, but expected to weaken aheadDollar-denominated assets gaining strength Tariff Panic? New tariff letters caused a stir—but Allan calls them what they are: “A nothing burger.” No meaningful economic impact yet, but worth monitoring as policy evolves. Segment Two — July Theme: Risk Management for Families This week focuses on household-level risk, the everyday vulnerabilities families rarely plan for—until it’s too late. 1. Income Risk Job loss, disability, or reliance on a single income. Tip: 3–6 month emergency fund + disability insurance. 2. Health Risk High deductibles, medical emergencies, aging parents. Tip: Understand your health insurance options, including ACA, employer plans, and HSAs. 3. Life & Mortality Risk What happens if a provider passes unexpectedly? Tip: Affordable term life insurance—get it while young and healthy. 4. Property & Liability Risk Floods, fires, auto accidents, lawsuits. Tip: Add an umbrella policy—low cost, major protection. 5. Legal & Financial Risk Divorce, lawsuits, identity theft. Tip: Create a will, POA, and strengthen cybersecurity practices. Why Families Misjudge Risk Allan explains the psychological traps that lead families to underprepare: • Optimism Bias “It won’t happen to us.” • Status Quo Bias “We’ve always done it this way.” • Underestimating Long-Term Risks Inflation and healthcare costs in retirement compound faster than expected. Simple Steps Families Can Take This Week List your top 5 household risksReview all insurance policies annuallyBuild or replenish your emergency fundPut basic estate documents in placeHave an honest conversation with your spouse or partner Key Principle “Risk management isn’t about fear. It’s about responsibility, clarity, and peace of mind.” 📞 Contact Allan Malina: 434-316-0246 🌐 www.servuscm.com 🎧 Teaser for Next Week: “What happens when your retirement plan meets a market crash?”

    30 min
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About

Welcome to Purpose Driven Finances — the podcast that helps you use your money as a tool to fulfill the plan and purpose for your life. Hosted by Allan Malina, founder of Servus Capital Management, each episode brings you practical strategies, insightful conversations, and timely commentary on personal finance and investing. We guide you toward clarity and confidence, whether you’re planning for retirement, navigating life transitions, or simply looking to make wiser financial decisions. We cover a wide range of topics—from budgeting, debt management, and investment strategies to retirement planning and legacy planning—plus commentary on current economic trends to keep you informed. Because money isn’t the goal—living with purpose is. Learn more at www.servuscm.com Thanks for listening, and welcome to Purpose Driven Finances.

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  • Creator
    Purpose Driven Finances
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    2K
  • Episodes
    37
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    © 2025 Servus Capital Management
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    Purpose Driven Finances