Listen Now

How a commercial real estate professional took it upon himself to build, and run, a firm driven by his personal values, and how this approach benefits residents, partners, and investors. In this week’s episode of Real Wealth Real Health, we are excited to welcome Eddie Ring of New Standard Equities, one of Alpha Investing’s first Sponsor-Partners. Eddie began his Commercial Real Estate career working for a large institutional sponsor but found that his strong personal values were often at odds with high-level decision making. He made the brave decision to branch out on his own, with a Real Estate company that would be based on his own set of core values. New Standard Equities delivers to its residential communities an excellent-quality living space, with attractive, reasonable, amenities at a price they can easily afford. In this episode, we discuss the impact of the Pandemic on various Commercial Real Estate markets, particularly as it pertains to pricing, deal volume, and demographic trends. We speak to Eddie about where he is finding value in today’s market, the cities he’s most excited by, and the prevalent mistakes made by other sponsors in the current environment. We also hear his personal perspective on wealth and how it informs his business decisions, especially in the context of running a Commercial Real Estate company, as his firm aims to build and preserve wealth for its investors with each property they invest in, while continuing to prioritize the company’s values of integrity, performance, collaboration, creativity, and caring. Key Insights: · How a set of strong personal values can translate into a well-defined company brand identity · The importance of surrounding oneself with capable, trustworthy team-members and coworkers, when trying to set yourself up for success · Taking advantage of opportunities in business, and making the most of your downtime or slow periods in order to do so effectively · Anticipating how the Commercial Real Estate landscape will be affected by the broader economy, especially in the context of a global pandemic · How the values espoused by Environmental, Social, and Governance (ESG) initiatives can be incorporated into an institutional Commercial Real Estate Sponsor Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher Guest Bio: Mr. Ring founded New Standard Equities in 2010 and serves as its Chief Executive Officer. He has ultimate responsibility for NSE’s investment strategy, operations, risk management, and investor relationships. He has over 25 years of real estate and financial consulting experience, with 16 years of dedicated investing and operating experience in the multifamily sector. Under Mr. Ring’s leadership, NSE is known as a full-service, vertically integrated organization, and a leading investor of multifamily properties primarily located in the Western U.S. including Seattle, Northern and Southern California, and San Diego. Prior to forming NSE, Mr. Ring was Chief Operating Officer at Kennedy Wilson Multifamily. During his nearly 8-year tenure, he was responsible for the strategic leadership of the firm’s multifamily investment platform, including deal sourcing, business plan development, capital structuring, and asset management. Additionally, he was instrumental in developing relationships with a global base of notable institutional investors. Previously, he was with Evensen Dodge Financial and Investment Advisors, Inc., served as financial advisor to California Governor Gray Davis’ Commission on Building the 21st Century, and managed a portfolio of industrial assets at family-own MSR, Inc. Mr. Ring received his Bachelor of Arts degree from the University of California, Berkeley, a Master of Fine Arts degree from New York University, and a Master of Business Administration degree from the Anderson School of Management at the University of California, Los Angeles. He is a member of Mensa, the Writers Guild of America (Emeritus), and currently serves on the Board of Governors at Cedars Sinai Medical Center in Los Angeles.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com www.newstandardequities.com

Today on Real Wealth, Real Health, we invite Jody Robinson, licensed financial advisor, wealth manager, financial planner and Partner at Kingsview Partners. Jody’s story is one of resilience, determination and never giving up on herself, even when she didn’t know what was coming next. Jody started her career in education, pivoted into tech, and finally found her calling in the financial services industry. Before starting her own firm in 2010, Jody worked hard and kept her focus on eliminating the burden of debt of higher education.  Jody is also the author of Money Messages: Get Out of the Red and into the Green, Emotional and Financial Freedom to Transform Your Life, a practical and accessible guide to wealth transformation and creation. In this episode, we discuss the lessons Jody’s learned along her unique and varied professional journey, and her advice for managing and allocating resources among your personal investment portfolio. We ask Jody to speak to some of the common mistakes she’s seen among her wealth management clients, as well as the different attitudes & approaches to investing (particularly in Commercial Real Estate) among individuals at varying levels of wealth, all the way up to the ultra-high net worth investors. We also hear her perspective on the importance of diversity & patience in managing your personal portfolio, and how they each provide resilience and flexibility, especially when the downside scenario occurs.     Key Insights: The balance of connections, relationships, & resources that leads to success The importance of planning for the future in managing personal finances Keeping yourself youthful by pursuing new challenges and continually seeking opportunities for growth & education Encouragement & advice for overcoming personal adversity Commercial Real Estate’s optimal place & weight in your personal investment portfolio Common mistakes in allocating investments in your personal portfolio   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio: Jody (Redmann) Robinson is a wealth manager and financial planner with an office in Oak Lawn, Illinois, and is a member of the Oak Forest Rotary. Serving several years as a successful female financial advisor and balancing being a working mom, Jody realized that clients need flexibility, too. She’s structured her practice to meet your needs, and her business now extends throughout the Chicagoland suburbs, from Orland Park to Addison, Plainfield to Chicago. Her clients are her people… her tribe… and Jody safeguards those relationships as carefully as she works to protect her clients’ hard-earned money. Over the years, Jody has walked through both celebrations and hardships with clients. She remains committed to being accessible, available, authentic, and honest. Whether you are meeting in an office or around your kitchen table, Jody seeks to fully understand your needs, accommodate your schedule, and develop a long, collaborative partnership. Jody Robinson is author of a book about the way we spend, save, and process money. The book weaves stories, interviews, and practical exercises to reflect deep to understand your relationship with money and how it is present in your life today. Jody understands the complexity of personal and financial situations and wants to be your advocate. In 2010, after counseling and coaching clients through the Great Recession, Jody decided to pursue her own practice to better help the people she serves. She successfully faced the challenge of transitioning to an independent practice in 2015, while working as a divorced parent. She has since remarried, and her expanded family includes her son, four adult step-children and a giant, but gentle, black labrador. In philanthropy, Jody actively participates in Rotary and other volunteer activities promoting youth leadership and humanitarian service   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com https://www.kingsview.com/advisor/jodyrobinson/ Jody’s Book: Money Messages: Get Out of the Red and into the Green, Emotional and Financial Freedom to Transform Your Life

In this week’s episode of Real Wealth, Real Health, we turn our attention back to the world of Commercial Real Estate Investing with our guest, Brian Adams, President & Founder of Excelsior Capital. Brian started his career in litigation, then transitioned to becoming an established operator of office assets in the US after identifying the vast opportunities in commercial real estate investing. Brian has developed his own unique investment philosophy, and speaks about his approach to investing, both from an individual perspective and the viewpoint of a real estate sponsor. Like any successful professional, we find that many of Brian’s most valuable lessons have been learned through experience.    Brian offers a plethora of fantastic insights, from the importance of strong infrastructure to a burgeoning business, maintaining positive investor relations, and why it’s critical to plan for scale as your business grows. Brian’s journey with Excelsior Capital has been emblematic of his approach to business, as he has pivoted his target investments to satisfy the needs of his investor base and found great success doing so, while maintaining flexibility. We talk about the reasons he finds office assets, particularly in the suburbs, to be an attractive area for future growth, and the trends he sees in the Commercial Real Estate & Private Equity landscape. Aside from his professional knowledge, we pick Brian’s brain about his personal approach to wealth building, estate planning, and work-life balance. Key Insights: The role of alternative assets in your investment portfolio Why it’s imperative be open and vulnerable about your own mistakes, accept & learn from them in order to move forward more successfully The advantages of viewing Real Estate investments through the lens of a small business What is a family office and how to plan for generational wealth and wealth transfer The value of communication and transparency in investor relations How increased access to Commercial Investment opportunity can help bridge the ever-widening gap of inequality that persists today How patience can lead to far greater flexibility (and profits!) in the long run The mindset necessary to start to use the tax code to your own advantage   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members: Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio: Brian C. Adams is the President and Founder of Excelsior Capital, where he spearheads the investor relations and capital markets arms of the firm. He has 10 years of experience in real estate private equity and has advanced knowledge in best practices for strategic real estate investing. Prior to forming Excelsior Capital, Brian co-founded Priam Properties (an institutional real estate private equity sponsor) in 2010 and provided leadership and direction for the firm in connection with capital markets, investment management and investor relations. He has served on the Board of Sirrom Partners, LP, a single-family office investing across private and public asset classes since May of 2008. Since May of 2017 he has served on the Investment Committee for Solidus LP, an early-stage venture capital firm focused on investment opportunities in Healthcare and Technology. From January of 2016 to January of 2018, Brian served as a member of the Board of Next Gen Advisory Faculty for the Institute of Private Investors / Campden, a program designed to support next generation family members in preparing the following generation for the responsibility of being a steward of family wealth. He has also served on the Advisory Committee for the Southeastern Family Office Forum since December of 2016. Brian is a former practicing attorney, earning his J.D. from Suffolk University and his B.A. from Wesleyan University with Honors.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com https://www.excelsiorgp.com/

In this week’s episode of Real Wealth, Real Health, we renew our focus on entrepreneurship, with our guest, Jon Lehman, who serves as Faculty Director of Executive Education at Vanderbilt Owen Graduate School of Management. Jon is an accomplished serial entrepreneur with a clear passion for business and a vast wealth of knowledge to draw upon when answering our most pressing questions on the subjects of entrepreneurship, business development, and the evaluation of a nascent business idea. Jon’s experience has afforded him invaluable insights into what it takes to become successful as an entrepreneur. He’s learned worthwhile lessons through both success and failure, and helped many others along the way, including early interest & investment in Alpha Investing. Over the course of our conversation, Mr. Lehman offers insights into some of the most common mistakes that early entrepreneurs make, and how best to avoid them. In addition to many valuable tips for navigating any professional career, we touch on the importance of partnerships, and how best to maneuver the various challenges presented therein, particularly as the functions of business grow in complexity. Aside from his many insights for running a successful business, we pick Jon’s brain about the way he thinks about and evaluates a company, business idea, or investment. His pointed approach to business is reflected in the way he evaluates companies and business ideas, particularly when we observe the success he’s achieved in both. This short-but-sweet episode is packed with valuable insights and is a can’t-miss for any current or would-be entrepreneurs. Key Insights: · The common traits of a successful entrepreneur, and debunking the most common stereotypes of the average entrepreneur · The avenues, methods, and approach to growth that help most successful entrepreneurs build wealth, and/or entice investments into their company · Insights & tips for how best to navigate partnerships or teams in business. · The importance of understanding necessary skillsets, and the intersection of skills needed to effectively operate your business or business idea · How Diversification can happen in concert with specialization, even within a single industry Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher Guest Bio: Jon Lehman is an Adjunct Professor of Management at Vanderbilt’s Owen Graduate School of Management, where he currently serves as Faculty Director of Executive Education. In this role he has worked with a broad range of clients including Nissan, Regions Bank, Blue Cross Blue Shield of Tennessee, Eli Lilly & Co, Vanderbilt University Medical Center, Hewlett Packard, Community Health Systems, and Cisco Systems. Jon is also a serial entrepreneur who also serves as a mentor, consultant, and board advisor to early stage companies. Prior to joining Owen, Mr. Lehman served as the CEO of a health care IT company that he led to a merger with a Canadian public company. He was an early stage investor and served as Executive Vice President and Director of an international computer training company that was later acquired by a leading educational software company. He also founded and served as Principal of a venture development firm. He holds a degree in Economics from Colgate University and an MBA from Harvard Business School. He is an avid cyclist, tennis player, and traveler. Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com

In this week’s episode of Real Wealth Real Health, we welcome Mo Bina, Founder & Managing Principal of High-Rise Capital. As a unique complement to his academic background in Civil Engineering, Mo has been an attentive observer of financial markets and macroeconomic trends. He translated his own passion for financial self-empowerment to founding his own family business, focused on helping others take control of and transform their financial futures through passive investing. In addition to the value he provides to clients, we discuss some of the public good that can be generated through Commercial Real Estate Investing, and why many find it to be a more meaningful way of generating passive income, compared to traditional paper investments.   In addition to the respective advantages offered by Commercial Real Estate (CRE), our wide-ranging discussion explores current macroeconomic trends in the global economy, and their implications for CRE investing activity. Mo’s experience interpreting financial markets and reading into macroeconomic trends offers important insights into the possible futures of the global economy, and where best to invest capital. Throughout the discussion, we pick his brain about the most important statistics to monitor, where best to research relevant information, & how it should be interpreted, painting a great roadmap for how to start the path to becoming an educated CRE investor.     Key Insights: Key metrics to digest & monitor when evaluating an investment, and what they imply for investing decisions Why the global downturn leads to a widespread search for yield, and why that typically leads to long-term appreciation in Commercial Real Estate Predicting the future movement of interest rates, and their impact on Commercial Real Estate property values Understanding why US-based real estate stands out as a safe haven for foreign (and domestic) investment, even as the economy slows How passive real estate investing can lead or complement a meaningful life of community contribution   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher     Guest Bio:   Mo Bina is the Managing Principal and Founder of High-Rise Capital. He has two bachelor's degrees in civil and environmental engineering from UC Irvine and a master's degree in environmental engineering from Stanford University. He has been an avid follower and student of the financial markets for over 20 years.   He has been a passive investor in diverse opportunities in real estate assets such as multifamily, senior living, office, and single-family residential in various geographic markets in the U.S. In addition, he has investment experience in alternative assets, hard money lending, and notes. His knowledge also includes asset protection and tax strategies, and their applications to real estate.   Mo founded High-Rise Capital as a family owned business that has a passion to help others learn how to passively invest in high-quality commercial real estate assets that have historically generated higher returns and lower volatility as compared to the traditional paper assets of stocks, bonds, and mutual funds. High-Rise Capital's mission is not only to assist investors to build generational wealth and gain financial freedom, but to positively impact the world through commercial real estate.     Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com https://www.high-risecapital.com/resources-index   Aspen Institute Articles regarding estimated renter evictions: https://www.aspeninstitute.org/blog-posts/20-million-renters-are-at-risk-of-eviction/ https://www.aspeninstitute.org/blog-posts/the-covid-19-eviction-crisis-an-estimated-30-40-million-people-in-america-are-at-risk/   Links to the some basic RE books: Millionaire Real Estate Investor Tax Free Wealth Loopholes of Real Estate The ABCs of Real Estate Investing

In today’s episode of Real Wealth Real Health, our guest is Bonnie Koo, CEO & founder of Wealthy Mom MD. After working for Morgan Stanley, Bonnie decided to attend medical school to become a dermatologist. During this time, she never lost her passion for finances and money management, often finding herself the go-to person in her network. As her financial foundations became more stable while practicing medicine, she further developed her knowledge base around financial planning, which led her to an entrepreneurial online business. Bonnie has now pared back her medical practice to focus more on helping other women physicians understand the modern financial system and to achieve their own visions of financial independence through her published content on Wealthy Mom MD.   In addition to discussing her own career and experiences as an entrepreneur, we explore Bonnie’s experience with life coaching, her approach & philosophy toward building wealth, and the role coaching played in achieving her idea of financial success & independence. We learn from Bonnie the importance of changing our mindset and getting out of our own way by eliminating limiting beliefs. Bonnie’s entrepreneurial journey is filled with ups and downs that everyone can relate to, and her achievement of full financial independence is truly inspirational.   Key Insights: Figuring out how to identify and nurture your passions, and turn them into an entrepreneurial undertaking The common financial mistakes we all make, and how they can get in the way of long-term goals The changes we need to make in our lives and mindsets in order to get started with laying our financial foundation The impact of coaching, and how a change in mindset leads directly to being able to set your financial foundation & secure your future Understanding that opportunities like Real Estate Investing are usually more achievable than we think, once you make the decision to get started   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher     Guest Bio: Bonnie Koo, MD, FAAD is a board certified dermatologist and a graduate of Barnard College and Columbia University’s College of Physicians & Surgeons. She is the founder of Wealthy Mom MD where she empowers and coaches women physicians to take control of their finances and create the life they want. She currently lives in northern NJ with her fiancé and son.       Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Wealthy Mom MD

In today’s episode of Real Wealth Real Health, our guest is Jennifer Burnham Grubbs, founder of CoFactor & CFO at Quantum Insurance Services. Jennifer’s early career in life insurance gave her a clear, unfiltered look at how firms operate, and the misalignment of values & incentives that have led to the commonly held negative stereotypes associated with the Insurance industry. Determined to make a change, she excelled as a broker with her value-driven philosophy and later founded her own insurance firm with a strict focus on serving the needs of each customer, providing the utmost value, and remaining ‘fee agnostic.’   In addition to discussing her motivations and values in founding Quantum, we take a deeper dive into the world of insurance coverage, exploring the coverages that are most prudent for different stages of life, and how insurance fits into the individual’s financial matrix. Jennifer also gives us clear warnings for the insurance coverage schemes that are common pitfalls for customers, and how to identify a broker that won’t have your best interest at heart. Finally, we briefly touch on the structural challenges with the insurance industry, where the highest levels of inefficiency are, and how the industry may change in the distant future.   Key Insights: Understanding the misalignment of values that distinguishes the most trustworthy insurance companies The values that Jennifer carries with her, how she’s infused them into the attitudes of her employees, and how those values drive growth Reviewing prudent & practical life advice for how to organize your portfolio, and in which scenarios insurance coverage makes the most sense Detailing the strengths & underlying issues with the structure of the insurance industry, and what can be changed for the betterment of the end customer Covering some of the most common pitfalls the average customers falls victim to when purchasing insurance   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher     Guest Bio:   Jennifer Burnham-Grubbs co-founded Quantum Insurance Services in 2012 and now serves as President/CFO. Her vision, industry expertise & problem-solving skills drive the firm’s ability to deliver excellent guidance and value for clients.   As a Summa Cum Laude graduate of Princeton University, Jennifer brought her work ethic & critical thinking skills to her first insurance job at a boutique brokerage firm in Beverly Hills. Her interest in people, facility with numbers and entrepreneurial spirit came together when she noticed that most insurance advisors see their work as sales, rather than consulting.   To remedy this, she began leveraging her understanding of insurance products for the benefit of clients, not commissions, and launched Quantum, a national commissions-agnostic insurance consulting firm. Recipient of the San Fernando Valley Business Journal Trusted Advisor Award and a top Quora writer since 2016, Jennifer continues to serve as a dynamic force within her field and inspire Quantum team members to do the same. Her firm regularly contributes to top financial publications such as Kiplinger and Forbes and is a valuable resource for accountants, financial advisors, business managers and clients across the country.   Jennifer grew up in a small town on the East Coast and enjoys hot yoga, oil painting and raising her 2 spirited daughters with her husband in LA.       Resources:   Real Wealth Real Health Alpha Investing podcast@alphai.com Quantum Insurance Services Jennifer Burnham-Grubbs Give and Take: Why Helping Others Drives Our Success

In this week’s episode of Real Wealth, Real Health, we speak with Monique Lawshe, Executive Vice President of GHC Housing Partners, one of the nation’s premier affordable housing owners and operators. GHC has developed, owned, and operated more than 30,000 units in 27 states with a value exceeding $2.5 billion. Ms. Lawshe also serves as a Board Member for Alpha Investing.   Ms. Lawshe takes us through her inspirational journey to becoming an established real estate and non-profit executive and affordable housing developer. She has been able to directly affect change in multiple communities by providing habitation to many people in need. Her successful career has provided her with unparalleled knowledge of the intricacies of subsidized housing in the US.   Beyond providing much-needed affordable housing in Los Angeles Ms. Lawshe’s experience and impact expanded to other areas of the country. Her work in affordable housing directly reveals for us the deeper, systemic imbalances in society, for which she has since launched several initiatives, scholarships, and programs to empower the underprivileged. We hope this poignant tale of professional growth through an empathetic perspective of a professional developer inspires more of us to be motivated to affect change in our community.     Key Insights: Understanding the intricacies of workforce & affordable housing The challenges of garnering interest in, and funding for, affordable & subsidized housing from banks and other institutional organizations The direct and indirect ways that affordable housing development can have an impact in improving people’s lives. The challenges facing Subsidized housing in the wake of the current economic turmoil, and what changes to housing budgets could be coming down the line. What we can learn from prior recessions with regard to the behavior of Banks and other institutional equity investors   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher     Guest Bio:   Monique Lawshe is the Executive Vice President of GHC Housing Partners. Established in 1993, GHC Housing Partners is one of the premier affordable housing owners and operators in the country.   Ms. Lawshe joined the company in 2002 and is responsible for providing leadership to the acquisition and development team. She has extensive experience with the use of low-income housing tax credits, multi-layered financing structures and HUD project-based rental programs, as well as conventional financing. While at GHC, Ms. Lawshe has been responsible for the acquisition and financing of approximately 15,000 units exceeding $750 million dollars in value.   Ms. Lawshe has more than 20 years of experience in real estate development and finance. Prior to joining GHC, Ms. Lawshe served as the chief executive officer of A Community of Friends (ACOF), a Los Angeles-based nonprofit development organization. Under her leadership, ACOF produced approximately 800 units in Los Angeles, Orange and San Diego counties, and raised more than $100 million in capital from private and public sources.   Ms. Lawshe obtained an MBA, with a concentration in real estate finance, at the Anderson School at UCLA and a bachelor of science in industrial management/industrial engineering from Purdue University.     Resources:   Real Wealth Real Health Alpha Investing podcast@alphai.com GHC Housing Partners

In today’s episode of Real Wealth Real Health, our guest is Dave Wehrly, co-founder of Wedgewood Enterprises. Dave’s journey is one we know many entrepreneurs will relate to and this episode showcases the inspirational and motivating story of Wedgewood founded in 1983 by Dave, along with his business partner Greg Geyser. They both started with nothing and have grown Wedgewood to be a multibillion-dollar market leader. Wedgewood is a vertically integrated real estate company that operates primarily in single family residential investments. They also have a variety of related business lines that either support or compliment their core strategy, such as non-performing loans, private lending, property management, and more.   Dave and the team at Wedgewood place a high value on relationships and their integrity forms the backbone of their business. For those of us turning an eye toward a new real estate investment, or any new project, Dave’s journey teaches us the importance of self-confidence and persevering in the face of adversity. His own resiliency shines through as we go through some of the classically eye-popping anecdotes that often come along with entrepreneurial success.   Key Insights: Understanding the importance of relationships in business, and why helping one’s peers and competitors can be critical to long-term growth & sustainability The warning signs and characteristics to look for when assessing distressed assets for investment How integrity in business can pay dividends during times of widespread distress, as well as in times of great opportunity What makes real estate a more attractive investment vehicle relative to more popular options like the stock market   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio: David Wehrly is one of the original partners in Wedgewood Enterprises, splits his time between ensuring the smooth operation of the organization and spearheading new opportunities and new businesses. He joined Wedgewood in 1986 after spending a year at Procter & Gamble. He is a graduate of both the United States Marine Corps Officer Candidate Program and UCLA’s class of 1984.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Wedgewood Enterprises Buying Homes at Auction

In this episode of Real Wealth Real Health, we take a look at the path that the crowdfunding real estate industry has taken since it was introduced via the JOBS Act in 2012. Join AdaPia and Daniel in speaking with Craig Ramsey, a senior executive with deep experience in real estate capital markets. He’s overseen more than $40B in private direct transactions, completed across asset sales, mortgage financing, joint ventures, and fund formation products in institutional markets, globally. Craig’s experience has shown him commercial real estate investing both from inside an established institution, and from the perspective of an accredited retail investor, and explains how & why Crowdfunding can give retail investors access to investments typically reserved for “Country Club” investors.   Craig provides his viewpoint on crowdfunding real estate and explains which fundamentals work to drive long-term value for a crowdfunded commercial real estate investment firm, and what areas of focus have historically been pitfalls. His insights can be critical for investors looking to narrow their focus and invest safely, with competent, knowledgeable investment managers at their back. Beyond his insights into CRE investing, Craig shares his predictions for the shape of the economic recovery, providing a hopeful but cautious outlook for our near future, and what signs we should look out for to signal that the economy is back on its feet. Given his wisdom and experience, Craig’s insight is invaluable at any point during any market cycle.   Key Insights: Understanding the impact of the JOBS act, the history and status of Real Estate Crowdfunding, and how those experiences will shape its future development Why Commercial Real Estate investing has been out of reach for the average accredited investor Understanding the key value propositions offered by Crowdfunding to retail investors, and why the industry will be here to stay The role of technology in Commercial Real Estate investing, and differentiating the efficiencies it can provide from its inherent limitations The importance of knowing who is in charge of the hands-on, day to day operations of your investments Predicting the shape of our economic recovery, and which firms are likely to be winners and losers   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio: Craig J. Ramsey is a senior executive with deep experience in institutional real estate capital markets with a track record encompassing over $40 Billion in private, direct transactions completed across asset sale, mortgage financing, joint venture, and funds formation products in major institutional markets globally.  His experience includes senior executive positions within the investment banking, private equity, and tech-enabled investment management disciplines.  Mr. Ramsey holds a BMus (French Horn Performance), with a minor in Philosophy of Law from Boston University where he was a Dean's List student on an academic scholarship and a Master of Business Administration (Dean's List, with concentrations in Real Estate Finance and Accounting) from the Columbia University Graduate School of Business in New York.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Articles: https://www.hodesweill.com/single-post/2020/05/12/The-Long-Game https://www.hodesweill.com/single-post/2020/05/13/Real-estate-private-funds-are-better-positioned-for-this-downturn https://www.ey.com/Publication/vwLUAssets/Real_Estate_Crowdfunding/$FILE/EY-Real%20Estate%20Crowdfunding-March%202019.pdf https://www.cnbc.com/2020/05/15/gdp-could-decline-by-42percent-in-the-second-quarter-according-to-the-atlanta-fed.html

In this episode of Real Wealth Real Health, we turn our focus to the hospitality sector of real estate, and what its recovery may look like. Join AdaPia and Daniel in speaking with Jeff Finn, co-founder of Artist Guild Hotels. Jeff has overseen major hospitality sector investments for more than a decade. We talk about his current transaction in Hollywood, which is in an opportunity zone area, how they connected with Midnight Mission in Los Angeles, and the charitable underpinning to every Artist Guild Hotel project.   Jeff’s amassed wisdom will be incredibly valuable as we emerge from current crises. Over the course of this conversation, he gives us an honest and very candid viewpoint on hospitality assets, the impact of COVID, and the ongoing changes to corporate & personal travel, as the outbreak continues to affect major cities. We also speak about which areas within hospitality are already starting to see major increases in business. Jeff walks us through the differences between boutique and flagged hotels, and how hospitality assets compare to other commercial real estate assets, specifically multifamily. Finally, we learn what makes a hotel deal’s structure unique, and how to assess its risk.   Key Insights: A look into the future opportunities that may arise in the hospitality real estate sector Learning how to be flexible and adapt to the circumstances and specifics of each deal to find the best transactions Understanding the state of the acquisition marketplace for the hospitality asset class Navigating the inherent volatility of hospitality assets as an owner or investor, and understanding the difference between volatility and risk Bold predictions and insights into the future of hospitality assets given the stark supply and demand imbalance in a post-pandemic world   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio: Artist Guild Hotels creates bespoke hospitality experiences tailored to the unique identity and character of each of its projects and their surroundings. AGH collaborates with best-in-class designers, builders and food & beverage operators to create special places that truly engage its guests Prior to co-founding Artist Guild Hotels, Jeff Finn was a Managing Director and Co-Head of the Real Estate and Hospitality investment banking team at Imperial Capital. Finn has 15 years of experience executing a broad range of corporate finance and capital markets transactions with a specific focus on coverage of real estate transactions for hospitality companies, commercial and residential real estate owners and developers, REITs and homebuilders. Finn has advised clients in financing transactions throughout the capital structure including senior and subordinated debt, preferred and common equity and special situation financings. Mr. Finn received a B.A. in Economics from UCLA.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Artist Guild Hotels    

In this episode of Real Wealth Real Health, AdaPia and Daniel speak with a young entrepreneurial real estate investor who’s had his fair share of ups and downs while diving head-long into real estate investing. Reed Goossens began his investing career with a small-market single-family asset, and now manages a $100M+ portfolio of multifamily assets. We talk to Reed about the decision making and thought process behind his foray into real estate entrepreneurship that has led to his success in a relatively short time span.   Reed’s experience in learning about commercial real estate from a mentor, and perspective as an immigrant to America, have given him an invaluable understanding of why the USA is the best place to earn returns as a real estate investor. Recorded prior to the worldwide COVID-19 shutdowns, this episode highlights just how much the economic environment has changed, but still signals that savvy investors have long been preparing for an eventual downturn. As Reed’s insight has been key to his own success, we dive into evaluating market trends, and how to shift investor expectations for impending economic contractions.   Key Insights Learning to embrace risk and capitalize on opportunities in the now to deliver yourself where you would like to be in the future What makes America a particularly opportunity-filled area for a real estate investor, from the perspective of an expat The role of mentors and apprenticeship in learning the ins-and-outs of commercial real estate Changing investor mindsets from a more cash-flow focused perspective to a more long-term wealth building focus. Learning how to maintain your perspective and mental health when pursuing one’s dreams through entrepreneurship   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher     Guest Bio:   In 2012, Reed quit his job in Australia and moved half way across the globe to the US to change his life, and to chase a dream. With limited funds, no investing experience, and no credit, Reed went from purchasing a small duplex to growing his own real estate investing firm, Wildhorn Capital. Reed now syndicates large multi-million dollar deals across the US. He has also achieved financial freedom, and has taken control of life. Reed is also the host of the successful podcast, Investing in the U.S., and a best-selling author with two books now on Amazon: Investing in the US – The Ultimate Guide to US Real Estate, & 10,000 Miles to the American Dream.   Resources:   Real Wealth Real Health Alpha Investing podcast@alphai.com www.RSNPropertyGroup.com Reed’s Podcast – Investing In the US https://www.reedgoossens.com/

Today we turn our attention to the topic of health, and specifically holistic health and the immune system with Dr. Gabriel Cousens - a multifaceted physician, humanitarian, and spiritual healer. He is the founder and director of the Tree of Life Foundation and Tree of Life Center US. Dr. Cousens speaks about the importance of a holistic approach to health, how to strengthen the immune system and the role of passion and purpose in achieving personal and professional goals.  We also learn about Dr. Cousens’ entrepreneurial journey, driven by his passion and faith and what real wealth means to someone who’s dedicated his life to the pursuit of holistic health.   Key Insights Although the stereotype of the aggressive, passionate businessperson is associated with a short, unhealthy life, there is scientific evidence showing the opposite: that people who are highly motivated and work hard live an average of 5 years longer. Understanding the idea of Holistic Medicine, the process involved in its practice, and how the lessons learned can translate to our professional lives Understanding the impact of cultural alignment within business, from both a day-to-day and big-picture perspective Tips for boosting your immune system, and overall energy level throughout the day The benefits and process of NEAME retreat program, and how to thoroughly detox the body, mind, and soul The importance of removing limiting thoughts and beliefs from the mind to unlock your true potential   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio Rabbi Gabriel Cousens, M.D., M.D.(H.), N.D.(h.c.), D.D. (Doctor of Divinity), Diplomate Ayurveda, Diplomate American Board of Holistic Integrative Medicine Dr. Cousens has been doing humanitarian work since 1965 and has continued to do humanitarian and peace work throughout the world since then, including teaching and service in 42 countries. Acknowledged as a liberated Yogi by his spiritual masters Swami Muktananda and Swami Prakashananda, Dr. Gabriel Cousens was empowered and directed by Swami Muktananda to give shaktipat (energy to awaken the Kundalini). Since 2008, Gabriel Cousens has also functioned as an ordained Rabbi. Co-founder of the first Kundalini Crisis Clinic in the world, Dr. Cousens is considered a world-recognized expert on Kundalini. In addition, Dr Cousens is a 4-year Native American Sun Dancer and Eagle Dancer, and 11-year Spirit Dancer (Ghost Dancer). Adopted into the Lakota Sioux Horn Chip Clan, Dr. Cousens was appointed head of Yellow Horse Clan. Dr. Gabriel Cousens’s unique contribution to the spiritual world today is the creation of the idea and teachings of spiritual nutrition and the formulation of the path of Holistic Liberation, which emphasizes a natural way of living guided by the Six Foundations and Sevenfold Peace.   Dr. Cousens is also a Holistic Orthomolecular Physician, Homeopath, Psychiatrist, Family Therapist, Ayurvedic Practitioner, a Chinese Herbalist, and has served as a lieutenant commander in the U.S. Public Health Service. He is a former member of the Board of Trustees of the American Board of Holistic Integrative Medicine and currently vice-president of the Arizona Board of Holistic Integrative Medicine (AHIMA). Additionally, he’s a world leader in healing diabetes naturally functioning as both a researcher and healer. Dr. Cousens is also a leader in spiritual ecology and is the founder and director of the Tree of Life Foundation and Tree of Life Center US.  He is the bestselling author of 14 books. He is also a co-founder of a West African NGO called WARES (West African Rural Health Empowerment Society) and also Alianza de Corazón in Mexico (a group of humanitarian organizations in Mexico). He presently has established and supported over 100 health and diabetes prevention programs, organic veganic farming projects, and orphanages in 26 countries. He received the Cesar Chavez Award in 2013 for his nutritional and diabetes education of migrant farmworkers in the U.S.  He is happily married to Shanti Golds Cousens, father to Rafael (age 50) and Heather Cousens (age 47), and grandfather to Rhea (13 years old), Katja (12 years old), and AnaÏs (10 years old). He lives part of the time in Patagonia, Arizona and spends the other part of the year in Moshav Mevo Modiin in Israel.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com www.drcousens.com http://treeoflifecenterus.com/

Todd Friedenberg of Q10 Vista Commercial Mortgage Group shares what he is seeing in the commercial real estate space as a national lender. He shares his thoughts on where the retail, hotel, and multifamily industries are headed as lenders try to adapt and face a new normal.  Key Insights: When commercial real estate is closed and many tenants are unable to pay their rent, this puts an extreme strain on real estate owners, who have started to ask lenders for some form of relief. It’s unlikely we’ll see a large number of foreclosures as lenders have every incentive to find a way to work with their borrowers. Multifamily properties currently have some backing from the government on both sides (tenants and landlord), which means things are a little more stable compared to the hotel or retail asset classes. How are lenders changing the way they underwrite deals in the current environment? Todd shares his thoughts on how the pandemic will shape the structure of retail leases. Todd is optimistic overall on the real estate landscape. The fundamentals are still here, it’s just a question of getting back to normal. Will we see an increase in distressed investing in asset classes outside of hotel or retail? Probably not, but Todd believes investors will start to get creative with their deal structures. Given general economic uncertain and a low-interest rate environment, property valuation is more challenging than ever Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members: Apple — Spotify — Google — TuneIn — Stitcher   Guest Bio TODD S. FRIEDENBERG is President and a principal of Q10|Vista Commercial Mortgage Group and has over 30 years of commercial real estate experience in debt & equity financing, brokerage and valuation consulting. Mr. Friedenberg was previously a Vice-President with GE Commercial Finance and Column Financial (Credit-Suisse), and served as a commercial mortgage banker since 1990 with various firms in Nashville. Friedenberg has originated more than $1 billion of debt and equity over his career. Todd Friedenberg is a graduate of Indiana University and received a B.S. in Business majoring in Finance and Real Estate Administration. Mr. Friedenberg is a Certified Commercial Investment Member (CCIM) with the Commercial Investment Real Estate Institute and is a Tennessee Certified General Appraiser and holds a Tennessee Affiliate Brokers License. Mr. Friedenberg is involved with several Nashville area Non-profit organizations and currently serves as Board Chairman of Samaritan Recovery Community and as a close advisor to Alpha Investing, serving as our VP of Commercial Real Estate.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Q10capital.com Todd on LinkedIn Content.naic.org

Kevin Kaseff, Co-founder and Managing Partner of Titan Real Estate Investment Group, shares insight into the senior housing asset class and how this will be a booming sector for years to come as more people cross over the 65 age mark. With over 50% of senior housing communities run by mom and pop owners, which often tend to be poorly managed, he’s identified opportunities for bringing these assets up to institutional standards, while raising the quality of care for the seniors who live there. With the COVID-19 pandemic in full blast, Kevin has put measures into place so that everyone in these housing communities, including his staff, can remain safe.    Key Insights: How Titan acquires and operates senior living communities and brings them up to institutional standards. In an operations-intensive industry, when and how to bring key management personnel in-house.  The differences between professionally managed senior housing and ‘mom and pop’ communities. A front line perspective on how COVID-19 is affecting senior housing communities.  How Titan is taking a holistic approach to this health crisis by focusing on both resident and employee safety, and their physical and emotional well being.  Why senior housing is a need-based asset and what that means for future demand.  The importance of building a company culture, putting the right people in the right positions, and focusing on operational efficiencies in forming the foundation for long-term success. Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher Guest Bio   Kevin Kaseff is the co-founder and President of Titan SenQuest Management, Inc., a national senior housing owner/operator. In addition, Mr. Kaseff is President of Titan Real Estate Investment Group, Inc. and Managing Member of Titan Realty Investors, a private, commercial real estate investment firm. Mr. Kaseff manages the company and directs the firm’s investment activity. Under his leadership, Titan has acquired around $2 billion of commercial real estate, including more than six million square feet of office, industrial, cold storage and retail properties and more than 24,000 units of multifamily and senior housing units throughout the U.S.   Mr. Kaseff has more than 30 years of investment experience in acquisitions, dispositions, financing, leasing, and asset management and has successfully completed and managed commercial real estate transactions nationally and internationally, including assignments in Australia, Japan, Hong Kong, Singapore, and Indonesia. Prior to founding Titan in 2003, Mr. Kaseff was a Managing Director of Insignia Financial Group (NYSE:IFS) and responsible for identifying, structuring and overseeing joint venture investment opportunities in the Western United States and Asia.   Mr. Kaseff also held senior-level positions at Greenwich Group International and Pacific Mutual Life Insurance Company. He earned his Master’s Degree in Business Administration from Vanderbilt University and a Bachelor’s Degree from the University of California at Santa Barbara. Mr. Kaseff is a guest lecturer for the University of Southern California’s Entrepreneur Program and serves on the Vanderbilt Owen Graduate School of Management Board of Visitors.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Titan Real Estate Investment Group Titan SenQuest Kevin on LinkedIn

Ryan Sterling of Future You Wealth shares how investors can get on the path toward building long-term wealth by focusing on acquiring appreciating assets, even in times of market volatility. In today’s fast-paced consumer world, it’s easy to become a six-figure earner living paycheck to paycheck. It’s more important than ever to be intentional about how you create wealth, what you value, and to what you aspire by understanding your mindset and motivations. Ryan will share how a HENRY (High Earner Not Rich Yet) can avoid lifestyle creep, how to create friction between impulse and purchase, how to frame the achievement of financial goals in today’s dollars, how to reach FIRE (Financial Independence, Retire Early), and what it takes to build wealth with conscious intention.   Key Insights: Insight into how younger generations think about the traditional investment adviser world. How to adopt an automatic approach to savings and keep your spending in check Will Millennials slow down the spread of mass consumerism? What’s a HENRY and how do you reach FIRE? Buying a home is not the only way to build wealth, and it might not be the best way for you. Don’t compare yourself to where you are today vs. where your parents were at your age.  Everyone’s answer to, “What does it mean to be successful or financially independent?” is different. How do you actually get wealthy? Is it earned in a high-paying job or does it come from somewhere else?  Find activities that are meaningful and spend your time there to feel a sense of fulfilment, purpose and passion beyond career. What should you do if you have an extra $100K of investible income each year? What should we be doing during this time of market volatility? Ryan’s book, You’re Making Other People Rich, will be out in September. Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher Guest Bio   Ryan Sterling is the founder of Future You Wealth, a successful wealth manager and sought after holistic wealth coach, speaker, and soon-to-be-published author of “You’re Making Other People Rich.”   Prior to starting Future You Wealth, Ryan had over 15 years of experience working with individuals and families at firms such as AllianceBernstein, Goldman Sachs, BBR Partners, and Capital Group.   Ryan earned a BA in Economics from Carleton College and an MBA with a specialization in Investment Management from Vanderbilt University. He is also a CFA® charter holder and a member of the CFA Society of New York.   Resources:   Real Wealth Real Health Alpha Investing podcast@alphai.com Futureyouwealth.com Email: ryan@futureyouwealth.com Wealthfront.com Betterment.com

Alex Libin of Mercer Street Partners describes what investors can expect during these unprecedented times. Despite times of uncertainty, Alex is optimistic about finding realistic and promising deal flow. He shares his thoughts on both the short/medium/long-term economic impact of the Coronavirus on real estate investments, markets and asset classes in this week’s episode.   Key Insights: How does an investment strategy at a REIT differ from that of private investing? How should investors compare investing in a REIT to a private syndication? In what asset classes and markets does Mercer Street prefer? Short and long-term economic impacts the COVID-19 pandemic will have on the real estate markets. How Mercer Street is protecting their investors’ assets. Strong lender relationships help maintain a higher degree of stability during times of uncertainty. What is a CapEx Reserve and why is it important during times of volatility? How will a low-interest-rate environment affect deal flow? What are the investment opportunities in affordable housing and mobile home asset classes and why are they interesting?   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher     Guest Bio   Alex Libin is a Managing Partner of Mercer Street where he is responsible for the firm’s day-to-day operations and is a member of the investment committee. Alex also leads Mercer Street’s Delaware Statutory Trust (“DST”) platform. Prior to founding Mercer Street in 2016, Alex was the Assistant General Counsel of United Realty Trust Inc., a public non-traded REIT based in New York City. While at the REIT, Alex led the firm’s affiliate DST program which sponsored DST offerings in New York, New Jersey, and North Carolina. Before joining United Realty, Alex was an associate at the law firm of Duval and Stachenfeld, LLP, working primarily within the firm’s real estate lending practice. Alex is a past board member of the Children’s Media Project, Safe Horizon’s Junior Board, and the Dutchess County Arts Council. Alex has a BA from New York University and a JD from the Benjamin N. Cardozo School of Law.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Mercerstreetpartners.com Sponsor article Apartment Investing article Alpha Investing Strategy & Process

Mark Roderick is a corporate and securities lawyer that has spent the last eight years in the crowdfunding space. He strives to educate investors on the risks and benefits of crowdfunding. Mark shares his experiences and predictions about what new regulations will be coming up during a market downturn, offers words of wisdom about working with middlemen, and talks about how investors can safely participate in real estate crowdfunding.   Key Insights: What was life like before crowdfunding? It was very difficult to raise money back then and it took a lot of time. The Jobs Act opened doors for so many people! Entrepreneurs could now raise money online. Mark was skeptical about how a marketplace like Kickstarter would work… at first. In the beginning, people would ask Mark if, ‘Crowdfunding was just a fad?’ No, it’s not! What kinds of regulations are in place that protect investors from getting scammed? There are two platforms investors can choose from. One that functions as a marketplace and another one that is a lot more selective and vetted on what types of deals get brought to the investor’s table. Always be wary when there are middlemen involved. It just means there are taking a small piece out of your overall return. Mark shares his thoughts on the accredited investor requirement guidelines. What kinds of regulations are out there and what types of regulatory changes should investors be aware of? How can investors protect themselves as they begin crowdfunding? When everyone is making money, the legal documents go out the window. However, when people lose money, that’s when lawyers and investors start combing through those documents with a fine-toothed comb. When there is a downturn, expect to see some reforms happen in the industry. Mark doesn’t know what will happen to the real estate crowdfunding portals during a downturn. They make money doing deals and if no one is doing deals, how will they survive? Alpha Investing takes a slow approach where if they don’t find a good and vetted deal within six months, that’s completely okay. They pride themselves on quality over quantity. Mark shares his thoughts on the crowdfunding model vs. private equity. Crowdfunding portals are a threat to angel investors and private equity firms because they are middlemen. Industries get disrupted because there was once a big player that owned the largest share of the market. However, the smaller guys started to come in and were able to adapt quickly and make the experience better, and suddenly they were no longer the smaller guys. Mark believes that the industry needs standardized legal documents. Right now, everything is so scattered and it doesn’t always make sense.   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members: Apple — Spotify — Google — TuneIn — Stitcher Guest Bio Mark Roderick is a corporate and securities lawyer at Flaster Greenberg PC in Cherry Hill, NJ. Since the JOBS Act of 2012, he has spent all of his time in the crowdfunding space and today is one of the leading crowdfunding and fintech lawyers in the United States. He writes for the widely read blog crowdfundingattorney.com, which provides readers with a wealth of legal and practical information for portals and issuers. He also speaks at crowdfunding events across the country and represents industry participants across the country and around the world. He can be reached at mark.roderick@flastergreenberg.com or 856.661.2265.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Crowdfundingattorney.com Mark on LinkedIn Crowdstreet.com Realcrowd.com Startengine.com Kickstarter.com

This is a special bonus episode recorded live at the Best Ever Real Estate Investing Conference in Keystone Colorado in February 2020. AdaPia was there to present a session on a holistic approach to passive investing. She sits down with president & principal of Mosaic RE Ventures, Heather Schwarz to discuss the due diligence investment process through the lens of the subtle and non-obvious; what considerations and things you should be checking before making an investment or working with a partner.   Key Insights:   How a GP (general partner) and an LP (limited partner) are defined in commercial real estate.  The Four Ps of  ‘obvious’ due-diligence: People, Property, Process, and Performance. The four non-obvious steps in due diligence:  Number 1: The Gut Check. Both Heather and AdaPia share personal stories about their intuitive warnings regarding potential investment partners and deals that seem “too good to be true”. Number 2: Sharing of Information. Get as much information as possible from a Sponsor; if it is limited or vague consider that a red flag. Source information externally and speak to a sponsor’s contacts and references. Number 3: Site Visits. If you are investing directly with a sponsor, it’s not unusual to request to do a site visit, especially if the investment amount is substantial.  Number 4: Walk Away Factor. There are a variety of factors for walking away depending on your risk tolerance, experience, knowledge, and preferences. It is ok to say no and to walk away. There will always be more deals; don’t get caught up in FOMO.   Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher Guest Bio   Heather Schwarz, CFP®, is the President and Principal of Mosaic RE Ventures, a commercial real estate development company. Through either Joint Venture partnerships or direct development projects, Mosaic focuses on mixed-use, retail, senior living, and hospitality assets.   She has spent the past two decades working alongside companies and individuals in capital fundraising, investments, strategy/idea generation, technology, and corporate restructuring. She is often referred to for her remarkable accomplishments and key role in the transformation of the private finance industry. She was the Co-Founder and CSO of EarlyShares.com, a real estate crowdfunding platform. Heather continues to travel around the country speaking about private investing and other advancements in financial investment technology and is active in managing U.S. commercial real estate investment strategies for investors in Brazil and Latin America.   Previously, Heather served as Sr. Vice President and Sr. Private Banker at Wells Fargo—The Private Bank, where she managed more than $500 million in assets. She has served as a member of Commercial Real Estate Women (CREW), International Council of Shopping Centers (ICSC), Young Entrepreneurs Council (YEC), Crowdfund Intermediary Regulatory Advocates (CIFRA), and Crowdfunding Professional Association (CfPA). She is also a Certified Financial Planner™.   Resources:   Real Wealth Real Health Alpha Investing podcast@alphai.com Mosaicreventures.com Heather on LinkedIn Bec20.com

Jillian Murrish is the co-founder and Chief Executive Officer of Pier Asset Management. She is an expert on how the alternative lending capital market ecosystem works and has the ability to spot gaps in the marketplace, structure deals, and profit from it. Jillian discusses the differences between institutional capital vs. accredited capital, how the real estate industry is leveraging technology, Pier Asset Management’s founding principles, and how investors can navigate (and profit) during our unpredictable market cycle right now.   Key Insights: Jillian built a capital markets firm, Pier Asset Management, from the ground up after seeing first hand what did and did not work in the existing credit landscape. Institutional investors and accredited investors and the importance of a diversified investor base.  The benefits of technology apply to real estate in a variety of ways - whether its transaction-based, data-gathering or analytical.  The value in building a team with complementary skills and a like-minded approach to doing business.  What types of data and trends investors can look at when evaluating real estate market opportunities. Jillian’s founding principles are: Be Good, Operate with Social and Environmental Awareness, Work with A-Quality Talent, and Profitability. What tips does Jillian have for accredited investors? Invest in things that you understand or that you can learn to understand. Subscribe to this podcast to build your healthy financial foundation through expertise, insights, strategies, tactics, wisdom, and inspiration from Alpha Investing’s community of professionals, advisors, investors, and members:   Apple — Spotify — Google — TuneIn — Stitcher Guest Bio Jillian Murrish is a co-founder and Chief Executive Officer of Pier Asset Management. Prior to founding Pier, she was Executive Vice President of Capital Markets at Patch of Land where she built one of the first institutional whole loan sale programs in the real estate marketplace lending industry, secured $750 million in loan purchase commitments, managed the firm’s warehouse funding, and led equity capitalization efforts. Prior to her time in marketplace lending, Mrs. Murrish worked with technology clients in the Capital Markets group at a leading middle-market investment bank, Houlihan Lokey. She has completed the Series 7, Series 63, Series 65, and Series 79 examinations. She is a graduate of the Loyola Marymount University Honors Program and has a B.S. in Accounting and a B.B.A. in Finance.   Resources: Real Wealth Real Health Alpha Investing podcast@alphai.com Pieram.com Jillian on LinkedIn