Raskin Global

10/16/2026

Divya Sheel made an important point on FiduciWho?: knowing a financial tool exists isn’t the same as understanding how it fits into your plan.

Cash surrender value lending can have nuances that aren’t obvious from a quick online search. That’s why education matters.

The real question isn’t simply, “Can I use this strategy?”

It’s: How does it fit into my long-term financial picture?

That’s where working with your financial professionals and understanding the details can make all the difference.

🎙️ More from my conversation with Divya Sheel on FiduciWho?

10/14/2026

It blows my mind how often people know they can borrow against a home, a business, or even certain retirement assets but have no idea that some life insurance policies can build cash value that may also be accessed.

For high-net-worth families, business owners, and people thinking about generational wealth, that can be an important part of the financial conversation.

The point is to understand what tools are actually available to you before you need them.

That’s what good planning should do: give you options.

10/12/2026

What if your life insurance could do more than protect your family after you're gone?

Most people think of life insurance as something that benefits their loved ones someday. But what if it could also provide financial flexibility while you're living?

On this episode of FiduciWho?, I sit down with Divya Sheel, Vice President and Relationship Manager at Provident Bank, to discuss a financial strategy many people don't even know exists: borrowing against the cash value of whole life insurance.

We explore how this strategy may provide access to funds for real estate, business opportunities, retirement needs, and life's unexpected expenses, all while keeping your long-term financial goals in mind.

🎙️ Tune in to *FiduciWho?* to hear the full conversation and discover a different way to think about life insurance and liquidity.

10/09/2026

Dr. Jon Randall said something on FiduciWho? that every growing advisor and business owner should hear:

“Capacity is by far the number one constraint we see.”

Growth isn’t just about bringing in more business. At some point, it becomes about building a team that can carry more of the load, serve clients well, and give the owner room to focus on the work that drives the business forward.

That’s the shift: from doing everything yourself to creating a business that can grow beyond you.

If you’re hitting a ceiling, the problem may not be opportunity. It may be capacity.

🎙️ More from my conversation with Dr. Jon Randall on FiduciWho?

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials.

10/07/2026

As an advisor, you have to understand who you serve best. Growth doesn’t always mean helping more people. Sometimes it means getting clearer about the people you’re uniquely equipped to help and building your business around them.

You can’t help every single person out there. And that’s not a bad thing.

The clearer your niche, the better you can serve the right clients, create more value, and build a healthier business.

🎙️ We talked about this and more on FiduciWho?

10/05/2026

One of the biggest lessons in business is this: growth gets harder when you’re the bottleneck.

On a recent episode of FiduciWho?, Dr. Jon Randall and I talked about why so many successful advisors and business owners hit a ceiling. It’s usually not because they’ve run out of opportunity. It’s because they’ve run out of capacity.

You can only carry so much yourself.

At some point, growth means building the right team, letting other talented people serve clients well, and freeing yourself to focus on the work only you can do.

It’s a lot like building a house. Everybody admires the second floor, the beautiful kitchen, and the finished exterior, but if the foundation isn’t right, the cracks eventually show.

🎙️ Listen to the full conversation on FiduciWho?

10/02/2026

Bitcoin can be traded 24/7, almost anywhere in the world. That kind of instant liquidity can make it tempting to think in very short timeframes: What’s it doing today? Should I buy? Should I sell?

Beau looks at Bitcoin mining through a very different lens.

Mining, as he explained it, is inherently a longer-duration proposition. Instead of focusing on the next trade, miners have to think about equipment life, operating economics, and what the next several years could look like.

Whether we’re talking about traditional investments, a business, or something newer like digital assets, there’s value in understanding what you own, why you own it, the risks involved, and how long you expect to be involved.

Long-term thinking doesn’t eliminate risk, but it can change the questions you ask.

09/30/2026

I know two people who are both very savvy about money, the economy, and where the country may be headed.

One says Bitcoin is basically a bag of air with no real value.

The other believes it could be part of the future of money.

Same asset. Two completely different conclusions.

And that’s what makes the conversation interesting.

Before you decide you’re a believer, or a skeptic, it’s worth understanding the argument on both sides. What gives Bitcoin value? What are the risks? What would have to happen for either viewpoint to prove right?

You don’t have to agree with every idea to learn from it.

09/29/2026

What an outstanding result.