A clean slate year deserves a clean estate plan. We kick off 2026 by pairing a smart investing filter—ask "How does it go wrong?"—with a step-by-step review that keeps your family out of probate and your intentions front and center. From misspelled beneficiary names to solo-titled checking accounts and houses that slipped out of the trust after a refinance, we unpack the quiet mistakes that create the loudest problems and show you exactly how to fix them.

We walk through the core documents most families need: a revocable living trust and pour-over will for after you're gone, plus an advance healthcare directive and durable financial power of attorney for the moments when you're alive but unable to act. You'll learn how beneficiary designations override wills and trusts, when to use spouses as primaries and trusts as contingents, and how to navigate blended families, multiple trusts, and amendments without tripping over old paperwork.

We also get practical about titling: joint ownership vs. trust titling, transfer-on-death designations, and the county-level deed work that quietly determines whether your estate is private and timely or public and delayed. Beyond documents, we talk people and philosophy. Choosing a trustee is more than an honor—it's a responsibility—so we share criteria to select the right person, why parents may no longer be the best option, and how to pass your human values to a trustee who can apply good judgment.

We weigh rigid distribution schedules against flexible, need-based standards that support education, health, and real opportunities without fueling self-sabotage. Then we close with storage and access: digitize, use a fire-resistant safe, share locations, and equip your trustee and agents with your attorney's and advisor's contacts so the first calls are easy.

KEY TOPICS:
Asking "How does it go wrong?" as an investment filter
Correcting beneficiary names and titling errors
Why beneficiary designations override trusts
Primary vs contingent beneficiaries with intent
Selecting trustees who can actually serve
Recording deeds into the trust after refinance
Advance healthcare directives and durable POAs
Digitizing and storing documents for fast access

Ready to get organized? Set a Q1 date to review beneficiaries, confirm titling, re-record deeds if needed, and refresh your directives and POAs.

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

[00:00:00] Disclaimers And New Year Focus
[00:06:03] Beneficiary Name Errors And Fixes
[00:13:05] Primary vs Contingent And Blended Families
[00:20:26] Distribution Design Without Harm
[00:30:28] Where To Store And Share Documents
[00:36:48] Final Checklist And Calls To Connect

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

What if wealth had less to do with a number and more to do with what people remember about you? In this episode, we pull back from the spreadsheets and dig into three pillars that actually make life feel rich: an intentional legacy, a habit of learning, and one relationship you're willing to improve.

Legacy isn't a lump sum; it's the why behind your choices. We talk through practical ways to design impact now instead of only planning for later—funding shared experiences that become family stories, or structuring support that passes on values, not just assets. From reimbursing tuition for goals met to mentoring a first business with accountability, we explore how money can be a bridge for character, resilience, and connection without becoming a tool for control.

We also turn to education as a lifelong advantage. With access at an all-time high, learning can be a library course, a professional certification, a serious approach to a hobby, or a deep dive into a new field that keeps your mind sharp in retirement. Curiosity compounds: it widens your network, lifts your confidence, and increases the odds you'll be useful at the right moment. We connect learning to belonging, showing how breadth of knowledge opens doors to richer conversations and more meaningful community.

Finally, we challenge you to pick one relationship to renew this year. Whether it's a spouse as the nest empties, a child you can't quite reach, or a friend you've drifted from, small consistent actions change the story. True wealth shows up as contentment, service, and presence—the kind that endures when markets swing and milestones pass.

KEY TOPICS:
Defining legacy through purpose, not amounts
Designing experiences vs writing checks
Using money to teach values with accountability
Education as a lifelong, accessible practice
Curiosity as a connector and resilience builder
Choosing one relationship to repair this year
Wealth as contentment, gratitude, and service

The numbers still matter; our job is to make them efficient so your values can do the heavy lifting.

👉 Subscribe, share with someone you care about, and comment: What legacy are you building on purpose this year?

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Setting Intentions For Wealth
[00:06:57] Cash Inheritance vs Impact
[00:20:55] Aligning Help With Family Culture
[00:30:16] Education As Lifelong Practice
[00:38:28] Connection Through Learning
[00:41:05] The Belief Window Reference

Calm statements aren't the same as safe portfolios. In this episode, we sit down with Cliff Ambrose, a New York-based planner and author of the Yield to Maturity newsletter, to unpack the growing hype around private credit and private equity and the subtle ways classroom theory diverges from real-world practice. We take aim at the comforting language of "volatility smoothing," the promise of illiquidity premia, and the exclusivity pitch that often sells these products to younger investors.

We walk through a live example of a private vehicle marked near $24 that traded closer to $16 once it listed, illustrating how volatility isn't eliminated—just hidden until price discovery arrives. From there, we get specific: fee stacks that bill on NAV even when market prices fall, structures that embed leverage, and redemption terms that look fine in calm markets but fail when you most want flexibility.

We also cover the unglamorous but critical details—K-1s, delayed tax filings, and the real "return on hassle" that can eat into headline yields without warning. Rather than declare privates good or bad, we draw a line between investors who can underwrite these risks and those still building their foundation.

For most younger professionals, the durable edge is a simple, low-cost public core, consistent saving, and clear rules for rebalancing. For high earners with eight-figure net worth, carefully sized private satellites might add diversification or manager-driven alpha—if diligence is ruthless and expectations are honest.

KEY TOPICS:
The $24 marked vs $16 traded example
How "volatility smoothing" hides risk
Fee stacks and NAV-based billing
Embedded leverage in private structures
Redemption terms that fail under stress
K-1s and tax filing headaches
Illiquidity premium: myth vs reality
Who should (and shouldn't) own privates
Building a public core first

The takeaway is straightforward: do the easy things first, earn your seat at the table, and don't mistake opacity for safety.

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Disclaimers And Introductions
[00:05:08] The Allure Of Private Investments
[00:10:35] Case Study: NAV Vs Market Price
[00:19:00] Return On Hassle And K-1 Headaches
[00:26:55] Democratization Or Dilution Of Edge
[00:29:30] Due Diligence Over Hype
[00:33:00] Closing Thoughts And Next Steps

Gold just posted its strongest run since the late 1970s, and the move wasn't a fluke. In this episode, we break down the mechanics that actually set price: a sharp dollar slide, the sudden return of Western ETF inflows after years of redemptions, and non-cyclical physical demand from central banks and China's retail buyers.

Akash Doshi, Head of Global Gold Commodities at State Street, joins us to translate headlines into flows, creation-redemption mechanics, and the daily bar list that makes physically backed ETFs tick. We zoom out to the regime shift: global debt sits near $350 trillion, government shares are at records, and post-pandemic inflation uncertainty keeps term premium alive. That's why stock-bond correlations flipped positive and why long bonds sometimes failed to hedge during volatility spikes.

In that context, gold isn't just "long duration"—it's a left-tail diversifier that can hedge duration risk when bonds don't cooperate. We compare costs and frictions of physical bars and coins versus ETFs, explain why GLD's liquidity and audited bar holdings matter, and show how options overlays, collateral usage, and in-kind donations turn gold from a static bet into a flexible portfolio tool.

Expectations matter. Gold isn't a daily inverse to stocks or a substitute for puts; it works over rolling windows around drawdowns and policy pivots. We address the "overbought vs. overowned" debate, why allocations remain surprisingly small, and how even a 0.5% shift from the massive stock-and-bond universe can move a roughly $15 trillion investable gold market. We close with practical sizing, how gold and Bitcoin can coexist, and the behavioral edge of owning a real-asset hedge when the macro stays messy.

KEY TOPICS:
Why 2025's dollar devaluation drove gold higher
ETF redemptions flipping to inflows
Central bank buying and China retail demand
Stock-bond correlation shifts and duration risk
Gold as a left-tail hedge and Sharpe enhancer
Physical bars vs ETFs: costs and liquidity
Practical uses: options, lending, tax planning
How gold and Bitcoin coexist in portfolios

Find Du Charme Wealth Management here:
https://ducharmewealth.com

Phone:
(435) 288-3396

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Opening And Guest Introduction
[00:07:06] Physical Gold Premiums And ETF Advantages
[00:15:30] What Drives Gold Demand In Portfolios
[00:21:59] Global Debt Loads: The 350 Trillion Question
[00:33:59] Fiat Currency System And Debt Concerns
[00:41:07] Retail Allocation Trends And Market Size
[00:51:41] Rolling Horizons And Duration Risk
[00:59:05] Sharpe Ratios And Portfolio Enhancement
[01:04:23] Closing Thoughts

Markets reward patience, but they also punish complacency. In this episode, we dive into the uncomfortable truth that investors will feel foolish at some point—and why that's often the price of being early rather than late. With high-yield spreads near historically tight levels and equity valuations stretched, we lay out a practical framework to pursue income, add convexity, and keep room for upside without betting the farm.

Branden welcomes Joe Hegener of Asterozoa Capital Management, whose experience at BlackRock and PIMCO informs a bond-first view of portfolio construction. We compare high-yield bonds to the S&P 500 across different cycles, showing how drawdowns, volatility, and upside-downside capture shift when you zoom out from the post-2008, zero-rate era. The conversation highlights why institutions love bonds—cash flow visibility, contractual returns, and liability matching—and how retail investors can borrow that playbook by focusing on predictable income and disciplined risk control.

From there, we get tactical. We discuss using a slice of portfolio yield to fund protection with credit default swaps, why protection can pay even without defaults, and when it makes sense to take profits on bonds trading above par. We outline a relative value stance—owning defined upside in equities via call options while shorting credit risk—to navigate a world where stocks can soar irrationally and spreads still have more room to widen than to tighten.

Then we turn to AI infrastructure, private credit, and securitizations tied to data centers—where contract opt-outs, leverage, and technology obsolescence can challenge even glossy narratives. If you want a sober plan for the next cycle—one that respects math, manages tail risk, and still leaves the door open for gains—this episode maps the terrain.

KEY TOPICS:
High-yield bonds vs S&P 500 across full cycles
Why institutions prioritize bonds for liability matching
Tight spreads versus historic ranges
Hedging with credit default swaps for convexity
Relative value: long equity calls, short credit risk
Private credit in AI data centers and tranche risk
Why surviving drawdowns compounds long-term returns

👉 Subscribe, share with a friend who needs a risk reset, and comment: how are you positioning for the next 12 months?

Find Du Charme Wealth Management here:
https://ducharmewealth.com

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] The Inevitable Foolishness Of Investing
[00:05:20] 2007–2024: HY Vs S&P By The Numbers
[00:10:23] Institutions, Liability Matching, And Bonds
[00:15:16] Asymmetry In Bonds And Hedging With CDS
[00:20:55] How Credit Spreads Behave In Crises
[00:26:02] Peripheral Europe And Sovereign Risk
[00:31:15] Market Structure: Equity Games Vs Bonds
[00:36:20] Defining Drawdowns And Real-Life Cash Needs
[00:41:20] Long Calls, Short Credit: A Relative Value View
[00:49:05] Tranching, Oversubscription, And Repricing
[00:54:05] Who Really Wins In The AI Capex Cycle
[00:59:05] Efficiency Gains Vs Demand Curves
[01:03:35] Closing Thoughts On Prudence

Markets can sparkle while the floorboards creak. In this episode, we sit down with Bob Elliott to explore how euphoric equity pricing sits on top of a softer real economy and what that means for portfolios heading into a distinctly late-cycle stretch. From the narrow leadership of mega-cap AI to the flat reality of equal-weighted benchmarks, we trace where expectations outran the data and where a reset could bite.

We go deep on housing, replacing slogans with math. Affordability is stretched near historical extremes, and small declines in mortgage rates don't fix it. The conditions required for 2 to 3 percent mortgages likely imply a recessionary backdrop, weaker qualification, and rising supply—hardly the spark for a clean price boom. Treating homes as service assets rather than speculative vehicles helps cut through noise and aligns decisions with cash flow reality.

We also decode the dollar: how two decades of cross-border equity flows reshaped FX, why the greenback increasingly correlates with U.S. equities, and where targeted global opportunities emerge when expectations are low and currencies cooperate. Inflation now hovers around 3 percent, but the structural story runs through debt. With developed markets carrying heavy public liabilities and fewer demographic tailwinds, the quiet pressure is for fiat to cheapen against hard assets over time.

That's where gold reenters the conversation: a non-yielding currency without counterparty risk, under-owned by advisors, supported by central bank demand, and prone to convex moves when monetary buying overwhelms tight supply. The practical takeaway is clear: late-cycle resilience requires real diversification across independent return drivers and a tactical sleeve that can adapt as conditions change.

KEY TOPICS:
Elevated valuations vs softening demand
Narrow market breadth and AI capex concentration
Housing affordability near extremes
Why lower mortgage rates don't guarantee higher prices
The dollar's tie to equity flows and FX risk
Gold's role and central bank buying dynamics
Diversification across true return drivers

👉 Subscribe, share with a friend who thinks diversification means "more stocks," and comment: what's the one change you're making to prepare for late-cycle markets?

Find Du Charme Wealth Management here:
https://ducharmewealth.com

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Setting The Nonconsensus Stage
[00:08:40] Market Breadth And The AI Capex Divide
[00:12:20] Late Cycle Signals And Weak Demand
[00:22:30] What Lower Mortgage Rates Really Mean
[00:33:00] The Dollar, Flows, And Global Equities
[00:40:30] International Value And Currency Risk
[00:52:00] Gold's Role, Flows, And Convexity
[01:00:00] Central Banks, Scarcity, And Scrapping
[01:13:20] Closing Thoughts And Listener Feedback

@BobEUnlimited ​

Markets don't move in straight lines, and neither should your portfolio. In this episode, we dig into liquid alternatives as a practical way to add non-correlated return drivers alongside stocks, real estate, Bitcoin, and precious metals—especially when bonds may not deliver the cushion investors expect.

We break down what liquid alts actually are: managed futures, trend systems, mean reversion, rate trades, currencies, and metals. Non-correlation isn't negative correlation—during stress, everything can dip together before dispersion returns. That's why expectations, risk controls, and discipline matter.

We cover fees and taxes and why high fees can be worth it if the alpha is distinct. We also explore portable alpha and capital efficiency: holding your market exposure while allocating to a separate sleeve that aims to beat financing costs without hidden equity beta.

Position sizing and volatility scaling are non-negotiable—"volatility is leverage" means you must adapt as markets move. Finally, the behavioral side: rebalancing into what feels bad to buy and trimming what feels great to hold. That discipline turns flexibility into outcomes when policy whipsaws traditional 60/40 thinking.

KEY TOPICS:
What liquid alts are and why liquidity matters
Managed futures, trend, and mean reversion
Non-correlation vs negative correlation
Fees, taxes, and when costs are justified
Portable alpha and capital efficiency
Position sizing and volatility scaling
Rebalancing discipline

Find Du Charme Wealth Management here:
https://ducharmewealth.com

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Defining Liquid Alternatives
[00:04:57] Liquidity As A Rebalancing Tool
[00:08:21] What Counts As A Liquid Alt
[00:14:23] Managed Futures: Use Cases And Pain
[00:22:35] Accessibility, Fees, And Manager Selection
[00:27:06] Using Alts For Portable Alpha
[00:31:20] Risks, Drawdowns, And Behavior
[00:39:15] Avoiding Hidden Beta And Overlap
[00:44:25] Daily Oversight And Active Management
[00:49:25] Preparing For Next Topic And Closing

If the dollars in your account keep rising but buy you less each year, your measuring stick is lying to you. In this episode, we dig into the "denominator problem" of money—how debasement quietly raises the number of units required to buy the same home, car, or grocery basket—and map a framework for protecting real purchasing power when volatility strikes.

We're joined by returning guest Aaron Olson to pressure-test a debasement-ready portfolio across five pillars: high-quality residential real estate, large-cap U.S. equities, precious metals, Bitcoin, and liquid alternatives. We get specific about why scarcity and network effects matter more than slogans, how bonds' contractual cash flows help but still pay you in debasing units, and where the illusion of safety hides in insured CDs and short-duration yield.

Along the way, a VHS-to-streaming analogy makes "format risk" painfully clear: stability that depends on yesterday's format can disappear when the world shifts. Then we zoom in on Bitcoin. Aaron explains why fixed supply, global auditability, and neutral, decentralized governance differentiate it from both fiat currencies and most "crypto" projects with corporate-style roadmaps.

We debate volatility, adoption risk, and the behavioral challenge of holding through 60 to 80 percent drawdowns. The practical takeaway: treat Bitcoin as a savings technology with a known supply schedule, size it with humility, and pair it with assets whose return drivers and liquidity profiles let you survive the path, not just admire the destination.

KEY TOPICS:
The denominator problem: measuring wealth in debasing units
Scarcity and network effects as core asset traits
Why "safe" yields can be unsafe in real terms
Bitcoin's fixed supply vs fiat's unlimited printing
Saving in Bitcoin vs speculating in crypto projects
Portfolio design for a debasement regime
Position sizing, liquidity, and time horizons
Format risk and the VHS-to-streaming lesson

If you want a plan that thinks in purchasing power—not just balances—this conversation gives you a clear start.

👉 Subscribe, share with a friend who's rethinking their allocation, and drop a comment: what's one action you'll take to defend your future buying power?

Find Du Charme Wealth Management here:
https://ducharmewealth.com

DISCLAIMER:
Information presented on this program is believed to be factual and up-to-date, but we do not guarantee its accuracy, and it should not be regarded as a complete analysis of the subjects discussed. Discussions and answers to questions do not involve the rendering of personalized investment advice, but are limited to the dissemination of general information. A professional advisor should be consulted before implementing any of the options presented. Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.

[00:00:00] Framing Debasement And Scarcity
[00:09:15] Exchange Rates And Purchasing Power
[00:15:20] Disclaimers And Risk Management
[00:26:30] Safe Assets And The Illusion Of Safety
[00:36:30] Why Bitcoin's Scarcity Matters
[00:45:20] Network Effects Across Assets
[00:53:10] Intrinsic vs Monetary Premium
[01:00:20] Demand, Value, And Zero Risk
[01:13:10] Predictability, Halving, And Auditability