It's All Money

707 Media
707 Media
  • 5.0 (1)
  • Investing
  • Updated Semiweekly

Your 401k, a classic car collection, quantitative easing and the rising cost of your fast food burger all seem like wildly different topics. And yet somehow, they all end up hitting your checking account one way or another. It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Every episode is designed for you to walk away at the end with 1 useful tip to increase your financial confidence, even if (actually especially if) you knew very little about the topic at the start. Because ultimately, It's All Money. It's All Money is powered by Sonoma Wealth.  The show is hosted by Sonoma Wealth Managing Principal Daren Blonski, CFP® AIF® and Marketing Director Dano Weir.  Sonoma Wealth is the private wealth arm of Fermata Advisors.  Fermata's holistic financial services also includes Fermata 401k and Fermata Tax. Fermata is headquartered in Sonoma, California with offices across Northern California in Santa Rosa, San Rafael, Auburn and Chico.

  1. Aug 21

    $145 Trillion Is BORING? - Bonds Explained

    The global bond market is nearly three times the size of the US stock market, yet many don't know how it actually works. Sonoma Wealth Managing Principal Chris Sipes joins Marketing Director Dano Weir this week on It's All Money to explain the major types of bonds, how prices and yields move together, and why the current rate environment matters for mortgages, 401(k)s, and retirement income. In this episode: • Defining what a bond actually is and detailing the massive size of the total market. • Detailing the 4 types of bonds available and what scenarios they apply to. • Detailed explanation of how bonds actually work. • Where could bonds fit in a portfolio, and why do some investors consider them "boring"? Full video available on our YouTube Channel: https://youtu.be/ifRh7uh9xUI Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 Cold Open: Don't Turn Off The Bonds Episode Yet 0:36 Welcome To It's All Money: Why Bonds Feel Boring 1:22 What Is A Bond, And Why Does The Bond Market Exist? 2:30 How Big Is The Bond Market, Really? 6:03 Do You Already Own Bonds Without Knowing It? 7:53 The Different Types Of Bonds 11:35 Which Bond Type Fits Your Tax Bracket 14:24 What Is A Junk Bond? 16:26 How A Bond Actually Works: Coupons Explained 21:04 Why Bond Prices Move Opposite Interest Rates 24:50 Bonds Vs. Stocks: Predictability And Risk 26:52 Why Advisors Use Bonds For Diversification 29:39 Reading The Yield Curve 36:23 Closing Thoughts 38:23 Credits & Outro References: https://www.sec.gov/data-research/statistics-data-visualizations/us-households-participation-capital-markets https://smartasset.com/retirement/size-of-stock-market-vs-bond-market https://www.thenationaldebt.us/basics

    $145 Trillion Is BORING? - Bonds Explained

  2. Aug 7

    Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73

    Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73 Your RMD isn't just a withdrawal — it's the IRS setting off a chain reaction that can spike your Medicare premiums, tax your Social Security, and wipe out the charitable giving move you didn't even know you had. In the latest episode of It's All Money, Sonoma Wealth Managing Principal Daren Blonski CFP® and Marketing Director Dano Weir walk through: • The four traps hiding inside that required distribution. • Why the window to get ahead of them closes before you turn 73. • The three moves you can take as a retiree to optimize or adjust to these conditions. If you'd rather protect your heirs or portfolio than just write the check, check out this episode. Full video available on our YouTube Channel: https://youtu.be/irgfSKpQgo0 Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 Cold Open: The Reddit Post That Started This Episode 1:26 What Is A Required Minimum Distribution? 2:39 Today's Scenario: Four Traps Hiding In A $1 Million IRA 3:02 Trap 1: The Ordinary Income Spike 6:06 Trap 2: The IRMAA Ambush 9:43 Trap 3: The Social Security Taxation Cliff 12:57 Trap 4: The Inherited IRA 10-Year Rule 18:41 Move 1: The Bracket Fill Strategy 20:07 Move 2: Qualified Charitable Distributions 21:37 Move 3: Protecting Your Heirs 22:43 Finding Your Conversion Window 24:09 Closing: Book Your Wealth Analysis References: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds https://www.kiplinger.com/retirement/medicare/medicare-premiums-2026-irmaa-brackets-and-surcharges-for-parts-b-and-d https://www.ssa.gov/faqs/en/questions/KA-02471.html https://www.schwab.com/learn/story/reducing-rmds-with-qcds https://investor.vanguard.com/investor-resources-education/retirement/rmd-rules-for-inherited-iras https://baumanwealth.com/tax_planning_and_pre/roth-conversion-before-rmd-planning-the-low-income-window/

    Roth Conversion vs RMD: What Every High Earner Needs to Know Before Age 73

  3. Jul 18

    Retro Games Earn Returns? The Entrepreneurial Success Of Nostalgia Alley

    If you had $55,000 cash, buying 10 unopened boxes of used video games probably wouldn't be the first investment you'd choose. But when you're Jason and Rebecca Moorhouse of Petaluma, you have a system in place to turn those games into a potential 20%, 30% or even 40% return. This week on It's All Money, Sonoma Wealth Marketing Director Dano Weir breaks down the fascinating business and investment story of Nostalgia Alley, a retro video game store in Petaluma. Watch the episode and learn: • Why a 40 year old Nintendo game that should be worth $4 is actually worth $20,000 (and rising). • The secret to becoming one of the busiest storefronts in all of downtown Petaluma. • How owning a game store led Jason to become a character in a game! • How their retail video game business has expanded into a video game event space (and even hosted a wedding). • The customer service secrets to build a dedicated, expanding fanbase. Whether you enjoy the business lessons or the fun of gaming, we invite you to check out this in-depth look at a true gem in downtown Petaluma, Nostalgia Alley. Learn about the store, how to liquidate old games and booking their event space for parties here: https://www.nostalgiaalleygames.com/ Full video available on our YouTube Channel: https://youtu.be/P0cvCIQpwy4 Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 A Riddle: Apple Stock Or A Rare Video Game? 0:49 Welcome To It's All Money 1:26 A $200 Billion Industry Hiding In Plain Sight 2:53 Why This Episode Is About Entrepreneurship 3:57 Inside The Store On Petaluma Boulevard 5:44 The First Purchase: Day One Of A Five-Year Plan 6:12 March 2013: $100 To His Name 7:43 The Yard Sale Flip: $30 Into $80 8:28 Time Versus Money In The Early Years 9:43 Pitching The Idea To Rebecca 10:52 Market Cycles: Retro Games And Fad Investing 12:20 2007 To 2018: Building A Collection Before The Store Existed 15:11 Where The Name Nostalgia Alley Comes From 15:40 One Of The Busiest Spots In Downtown Petaluma 16:35 Opening Day: A Line Down The Street 17:54 Entrepreneur Advice: Track Your Cogs And Set Smart Goals 18:43 Building A Customer Service Philosophy 22:30 The Customer Nobody Else Acknowledged 23:46 Petaluma's Hidden Video Game Industry History 24:39 Meeting Game Developers Who Became Regulars 26:29 Jasper The Store Mascot 29:48 The $20,000 Stadium Events Cartridge 32:29 The Priceless Item That Isn't For Sale 35:00 Touring The Party Room Upstairs 35:48 The Wedding Held Among The Retro Games 36:43 A Mario Kart Grand Prix, Interview Continues 38:21 The $55,000 Trade-In 39:30 Making Big Purchase Decisions As Business Partners 42:24 Refurbishing Hardware The Right Way 43:12 Cutting Back From 80-Hour Weeks 45:03 GameCube Capacitors And Disc Resurfacing 46:54 Why Old Cartridges Need New Batteries 50:06 Favorite Games: Tetris, Legend Of Dragoon, And More 52:34 PC Game Nostalgia And A Word From Our Sponsor 56:51 Closing Out At Nostalgia Alley 59:13 Disclosure References: https://en.wikipedia.org/wiki/Stadium_Events https://www.storyboard18.com/gaming-news/global-video-gaming-to-hit-300-billion-by-2029-outpaces-film-and-music-combined-pwc-76725.htm

    Retro Games Earn Returns? The Entrepreneurial Success Of Nostalgia Alley

  4. Jun 30

    Detailing Into Dollars: How One Sonoma Couple Keeps Millions In Assets Sparkling

    Protecting millions in luxury automobiles and millions in real estate takes two qualities- precision and trust. We are excited to share the entrepreneurial stories of Ivan Jimenez of Sonoma Auto Spa and Alison Pulido of Green Casa Cleaning in the latest episode of our podcast It's All Money. In this episode you'll discover: • How Ivan took his business from sedans to supercars. • The importance of non-toxic ingredients to Green Casa's mission. • How diligence and execution led them both to work with Rolls Royce, Sonoma Raceway and more. • The challenges and benefits of owning multiple businesses as husband and wife. Learn more about how Ivan and Allison help clients stay on point here: https://sonomautospa.com/ https://greencasacleaning.com/ Shot on location at Sonoma Raceway – Radical Northwest shop: https://www.radicalnorthwest.com/ Full video available on our YouTube Channel: https://youtu.be/zJUYiFR8Yig Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 Cold Open: A Sneak Peek At The Cars 0:44 Welcome To Sonoma Raceway 1:16 What Is Sonoma Auto Spa? 3:02 Ivan's Origin Story: From Restaurants To Washing Cars 6:29 Allison's Reaction And Starting Ivan's Business During COVID 7:47 Earning Trust With A Multi-Million-Dollar Car Collection 9:48 How Green Casa Cleaning Started 12:41 The Biggest Curveballs In Both Businesses 15:44 Ceramic Coatings, PPF, And Protecting A Car's Value 18:32 Life At The Racetrack With Radical Northwest 21:51 Car Week And Working With Rolls-Royce 23:34 The Challenges Of Running Two Businesses As A Married Couple 26:59 Who Taught Them To Work Hard 30:32 Serving The Sonoma Community 33:07 Closing Thoughts And Where To Find Them

    Detailing Into Dollars: How One Sonoma Couple Keeps Millions In Assets Sparkling

  5. Jun 19

    How The New Fed Chair Could Change Your Mortgage Rate

    Kevin Warsh is the new Fed chair, and real estate buyers (and sellers) want to know what that means for mortgage rates. In his first Fed Meeting this week, rates held, with 9 governors indicating a potential increase this year. Sonoma Wealth Marketing Director Dan Weir and Advisor Clay Dunkle sit down with Linda Zaiss, VP of Mortgage Lending at Rate in Napa with 26 years at the closing table for a deep dive on interest rate scenarios: • How the bond market, not just the Fed, drives what you pay on your home loan. • The tricky pickle that the Fed currently finds itself in between rates and inflation. • The counterintuitive reason high interest rates can actually help buyers. Full video available on our YouTube Channel: https://youtu.be/mAJJ_qDi4Fc Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ Learn more about Linda Zaiss here: https://www.rate.com/loan-officers/linda-zaiss-8991 Instagram: https://www.instagram.com/lindazaiss/ Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 Cold Open: History Repeats Itself 1:20 The Last Four Years Of Unpredictable Mortgage Rates 3:00 What's Happening In The Housing Market Right Now 3:42 How The Fed Funds Rate Actually Flows Through To Your Mortgage 6:06 Why Interest Rates Matter Beyond Just Your Mortgage 7:44 Meet Kevin Warsh: The New Fed Chair 8:30 Could Higher Mortgage Rates Actually Help Home Buyers? 10:26 Will Rates Go Up Or Down? Nobody Really Knows 12:29 Helping First-Time Buyers Get Into A Home 14:49 Tools For Homeowners Who Are "Cash Poor" 15:50 From First Call To Closing: What Working With A Lender Looks Like 17:20 What Makes Napa's Real Estate Market Unique 18:30 28 Years In Mortgage Lending: How Rates Have Changed 20:05 Why A Fiduciary Approach To Lending Matters 21:00 Final Takeaways And Where To Find Linda 22:12 Closing Thoughts References: https://www.npr.org/2026/06/17/nx-s1-5860084/fed-chief-warsh-first-fomc-meeting

    How The New Fed Chair Could Change Your Mortgage Rate

  6. Jun 11

    Trump Accounts vs 529 vs Custodial Roth: Which Could Win for Your Grandkids

    Last summer Congress created a brand new savings vehicle for minors called the “Trump Account” or 530A account. For families building generational wealth, the rules might not be what you'd expect. In the latest episode of our podcast It's All Money, we're stacking it head-to-head against 529 accounts and the Custodial Roths to show you which one could win for your grandkids, your estate plan, and your tax bill.  Marketing Director Dano Weir and Managing Principal Daren Blonski examine: • The functional steps needed for your grandkids to potentially receive a one-time investment $1000 from the fed or $250 from the Dell Family. • Why gift tax, Roth conversions and state tax could cause headaches for high-net worth families with Trump Accounts. • The overall benefits of teaching investing to kids at an early age and potential downstream upside for their future in retirement. As with all our podcasts, we approach these real-life finance topics (that can cross in to politics) with practicality.  We assess the financial aspects and share our perspective on how they may or may not fit in a client's life.  We hope you enjoy the episode. Full video available on our YouTube Channel: https://youtu.be/5QFZ47FGNDQ Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 Cold Open: $1,000 For Your Grandkid, Courtesy Of Uncle Sam 0:49 Where Trump Accounts Came From 5:31 How A Trump Account Actually Works 8:26 The Case For Trump Accounts 16:39 The Case Against Trump Accounts 21:24 Trump Account Vs. 529 Vs. Custodial Roth (Mistake #1: The Gift Tax Trap) 24:05 Mistake #2: The Kiddie Tax Trap On A Roth Conversion 25:26 Mistake #3: The State Tax Trap 29:03 How To Register And Get Started References: https://www.congress.gov/crs-product/R48910 https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts https://www.schwab.com/learn/story/trump-accounts https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving

    Trump Accounts vs 529 vs Custodial Roth: Which Could Win for Your Grandkids

  7. May 20 ·  Bonus

    BONUS Episode - Behind the Firm: Jackie Egidio on Running Sonoma Wealth Advisors

    Our Sonoma Wealth Chief Operating Officer Jackie Egidio recently joined the Beyond the Vines podcast with Amy Ahlers, and we're sharing the audio here as a bonus for It's All Money listeners! What's it really like running a financial firm with 12 advisors, thousands of clients and $1 billion Assets Under Management? Listen and find out: • The financial planning conversations every business owner and professional should be having. • Why it's ok to feel overwhelmed if you've never worked with an advisor before. • The importance of working with a fiduciary. • How our team delivers comprehensive wealth management behind the scenes. The full video episode is also available on the Beyond The Vines YouTube Page: https://youtu.be/2kFfAkhPIxI Find more Beyond The Vines audio here: Apple Podcasts: https://podcasts.apple.com/us/podcast/beyond-the-vines/id1710013894 Spotify: https://open.spotify.com/show/3Rrj3STpq5NMIBxQLBXEHK Learn more about Amy Ahlers at LivXplore Real Estate in Petaluma here on amyahlersrealestate.com: https://amyahlersrealestate.com/about We hope you enjoyed this bonus podcast episode. CHAPTERS 0:00 Meet Sonoma Wealth COO Jackie Egidio 1:00 Welcome To The Beyond The Vines Podcast 2:14 From The Wine Industry To Wealth Management 3:08 Why Sonoma Wealth Is A One-Stop Shop 5:04 What Does It Mean To Be A Fiduciary 8:35 Why Going On Tax Extension Isn't A Bad Thing 11:34 Weaving Tax Strategy Into Your Financial Plan 13:45 Meet The 401(k) Retirement Team 16:22 The Exit Planning Gap: Why 70% Of Businesses Never Sell 17:51 A Growing Footprint: Sonoma, Santa Rosa, Chico And Auburn 20:15 How People Are Thinking About Money Differently Today 23:07 Behind The Scenes: What A COO Actually Does 26:47 Keeping Service Consistent As The Firm Grows 30:14 How To Get Started With Sonoma Wealth References: https://youtu.be/2kFfAkhPIxI

    BONUS Episode - Behind the Firm: Jackie Egidio on Running Sonoma Wealth Advisors

  8. Apr 8

    Inside A Century In The Ag Business With Serres Ranch

    Wine, blueberries and construction- chances are you’ve experienced Serres Ranch in the last 100 years in Sonoma County.  A Farm Bureau Farm Family Of The Year, the Serres family has become a pillar of the community, with decades of business successes and lessons along the way.  On the latest episode of Sonoma Wealth's life and finance podcast, It’s All Money, Sonoma Wealth Advisor Shelby Wirick and host Dano Weir sit down with Serres Ranch and Serres Corporation company officer Taylor Serres Murnig to learn:  • The origins of their family’s agricultural business, dating back to 1924 right here in the Valley of the Moon.  • Why growing grapes and blueberries require completely different approaches.  • How Taylor re-frames the current status of the wine industry, beyond the headlines to the business opportunity in front of them.  • The unique relationship between Serres Ranch’s agriculture and Serres Corporation’s construction enterprise.  • What is it really like working with family?  Learn more about Serres Ranch:  Book a private wine tasting: https://www.serresranchwine.com/land  https://serresranchblueberries.com/ https://serrescorp.com/    Full video available on our YouTube Channel: https://youtu.be/fuj-Qm-TvIc Learn more about Sonoma Wealth here: https://sonomawealthadvisors.com/ Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis CHAPTERS 0:00 Cold Open: A House Built In 1875 0:32 Welcome To It's All Money: Inside A Century In The Ag Business With Serres Ranch 1:08 From General Hooker To The Serres Family: A Property's History 2:14 Two Verticals: Wine, Blueberries, And 100% Estate Grown 5:24 Why Full Vertical Integration Is Rare In The Wine Industry 8:08 The Ranch Tour Experience And A Diversified Portfolio Of Businesses 13:44 The Benefits And Challenges Of A Family Business 17:05 Meet John Serres: The Patriarch Behind The Ranch 18:32 How Blueberries Became A 25-Year, 150,000-Pound Business 23:51 Farm Family Of The Year And The Role Of The Farm Bureau 27:27 The Other Vertical: Serres Corporation And Construction 29:10 Treating Employees Like Family 31:18 A Passion Project: Sonoma Cryo And Modwella IV Therapy 35:41 Closing: Where To Find Serres Ranch 37:08 Outro & Credits References: https://sonomafb.org/serres-family-2023/

    Inside A Century In The Ag Business With Serres Ranch
See All (41)

About

Your 401k, a classic car collection, quantitative easing and the rising cost of your fast food burger all seem like wildly different topics. And yet somehow, they all end up hitting your checking account one way or another. It's All Money draws the throughline for investing, sales, taxes, business stories, economics and day-to-day spending. Every episode is designed for you to walk away at the end with 1 useful tip to increase your financial confidence, even if (actually especially if) you knew very little about the topic at the start. Because ultimately, It's All Money. It's All Money is powered by Sonoma Wealth.  The show is hosted by Sonoma Wealth Managing Principal Daren Blonski, CFP® AIF® and Marketing Director Dano Weir.  Sonoma Wealth is the private wealth arm of Fermata Advisors.  Fermata's holistic financial services also includes Fermata 401k and Fermata Tax. Fermata is headquartered in Sonoma, California with offices across Northern California in Santa Rosa, San Rafael, Auburn and Chico.

Information

  • Channel
    707 Media
  • Creator
    707 Media
  • Years Active
    2024 - 2026
  • Episodes
    41
  • Rating
    Clean
  • Copyright
    © 707 Media, Fermata Advisors
  • Show Website
    It's All Money

More From 707 Media

You Might Also Like