How The New Fed Chair Could Change Your Mortgage Rate

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

Protecting millions in luxury automobiles and millions in real estate takes two qualities- precision and trust. We are excited to share the entrepreneurial stories of Ivan Jimenez of Sonoma Auto Spa and Alison Pulido of Green Casa Cleaning in the latest episode of our podcast It's All Money. In this episode you'll discover:  * How Ivan took his business from sedans to supercars.  * The importance of non-toxic ingredients to Green Casa’s mission.  * How diligence and execution led them both to work with Rolls Royce, Sonoma Raceway and more.  * The challenges and benefits of owning multiple businesses as husband and wife.    We hope you find insight and inspiration in this incredible story of business success.  Learn more about how Ivan and Allison help clients stay on point here:  https://sonomautospa.com/ [https://sonomautospa.com/]  https://greencasacleaning.com/  [https://greencasacleaning.com/]   Shot on location at Sonoma Raceway – Radical Northwest shop: https://www.radicalnorthwest.com/ [https://www.radicalnorthwest.com/]    Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis [https://sonomawealthadvisors.com/book-your-wealth-analysis]  _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. 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.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.   Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

How The New Fed Chair Could Change Your Mortgage Rate

Kevin Warsh is the new Fed chair, and real estate buyers (and sellers) want to know what that means for mortgage rates.  In his first Fed Meeting this week, rates held, with 9 governors indicating a potential increase this year. Sonoma Wealth Marketing Director Dan Weir and Advisor Clay Dunkle sit down with Linda Zaiss, VP of Mortgage Lending at Rate in Napa with 26 years at the closing table for a deep dive on interest rate scenarios:  • How the bond market, not just the Fed, drives what you pay on your home loan.  • The tricky pickle that the Fed currently finds itself in between rates and inflation.   • The counterintuitive reason high interest rates can actually help buyers.  Whether you're buying, refinancing, or just watching the numbers, you'll get our take on rates in the latest episode of It's All Money.    Learn more about Linda Zaiss, VP of Mortgage Lending at Rate in Napa: https://www.rate.com/loan-officers/linda-zaiss-8991 [https://www.rate.com/loan-officers/linda-zaiss-8991]  https://www.instagram.com/lindazaiss/    Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis [https://sonomawealthadvisors.com/book-your-wealth-analysis]    References: https://www.npr.org/2026/06/17/nx-s1-5860084/fed-chief-warsh-first-fomc-meeting  _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. 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.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.   Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

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

Last summer Congress created a brand new savings vehicle for minors called the “Trump Account” or 530A account. For families building generational wealth, the rules might not be what you'd expect. In the latest episode of our podcast It’s All Money, we're stacking it head-to-head against 529 accounts and the Custodial Roths to show you which one could win for your grandkids, your estate plan, and your tax bill.  Marketing Director Dano Weir and Managing Principal Daren Blonski examine:  * The functional steps needed for your grandkids to potentially receive a one-time investment $1000 from the fed or $250 from the Dell Family.  * Why gift tax, Roth conversions and state tax could cause headaches for high-net worth families with Trump Accounts.  * The overall benefits of teaching investing to kids at an early age and potential downstream upside for their future in retirement.  As with all our podcasts, we approach these real-life finance topics (that can cross in to politics) with practicality.  We assess the financial aspects and share our perspective on how they may or may not fit in a client’s life.  We hope you enjoy the episode.  Book your Wealth Analysis right here: https://sonomawealthadvisors.com/book-your-wealth-analysis [https://sonomawealthadvisors.com/book-your-wealth-analysis]  Full episode video on our YouTube channel [https://youtu.be/5QFZ47FGNDQ] References:  https://www.congress.gov/crs-product/R48910 [https://www.congress.gov/crs-product/R48910]  https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations [https://www.irs.gov/newsroom/treasury-irs-issue-guidance-on-trump-accounts-established-under-the-working-families-tax-cuts-notice-announces-upcoming-regulations]  https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts [https://www.federalregister.gov/documents/2026/03/09/2026-04533/trump-accounts]  https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim [https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title26-section530A&num=0&edition=prelim]  https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf [https://www.whitehouse.gov/wp-content/uploads/2025/03/Trump-Accounts-Give-the-Next-Generation-a-Jump-Start-on-Saving.pdf]  https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts [https://www.investor.gov/introduction-investing/investing-basics/investment-accounts/tax-advantaged-accounts/trump-accounts]    https://www.schwab.com/learn/story/trump-accounts [https://www.schwab.com/learn/story/trump-accounts]  https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html [https://corporate.vanguard.com/content/corporatesite/us/en/corp/articles/what-to-know-about-new-trump-accounts-for-kids.html]  https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill [https://www.fidelity.com/learning-center/personal-finance/trump-accounts-big-beautiful-bill]  https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA [https://www.fidelity.com/learning-center/personal-finance/trump-accounts-vs-529-utma-ugma-roth-IRA]  https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving [https://www.psca.org/news/psca-news/2026/3/trump-accounts-vs.-529s-for-college-saving]    _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. 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.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.      Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

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

Our Sonoma Wealth Chief Operating Officer Jackie Egidio recently joined the Beyond the Vines podcast with Amy Ahlers, and we're sharing the audio here as a bonus for It's All Money listeners! What's it really like running a financial firm with 12 advisors, thousands of clients and $1 billion Assets Under Management? Listen and find out:  * The financial planning conversations every business owner and professional should be having. * Why it's ok to feel overwhelmed if you've never worked with an advisor before. * The importance of working with a fiduciary. * How our team delivers comprehensive wealth management behind the scenes. The full video episode is available on the Beyond The Vines YouTube Page [https://youtu.be/2kFfAkhPIxI?si=1um1U5MZNXPslWgu].  Find more Beyond The Vines audio here: Apple Podcasts [https://podcasts.apple.com/us/podcast/beyond-the-vines/id1710013894] Spotify [https://open.spotify.com/show/3Rrj3STpq5NMIBxQLBXEHK?si=d67874834f2044ba]  Learn more about Amy Ahlers at LivXplore Real Estate in Petaluma here on amyahlersrealestate.com [https://amyahlersrealestate.com/about] ______________________________________ Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance. The opinions expressed by Fermata Advisors, LLC on this show are their own. 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. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance. We hope you enjoyed this bonus podcast episode.

Inside A Century In The Ag Business With Serres Ranch

Wine, blueberries and construction- chances are you’ve experienced Serres Ranch in the last 100 years in Sonoma County.  A Farm Bureau Farm Family Of The Year, the Serres family has become a pillar of the community, with decades of business successes and lessons along the way.  On the latest episode of Sonoma Wealth's life and finance podcast, It’s All Money, Sonoma Wealth Advisor Shelby Wirick and host Dano Weir sit down with Serres Ranch and Serres Corporation company officer Taylor Serres Murnig to learn:  • The origins of their family’s agricultural business, dating back to 1924 right here in the Valley of the Moon.  • Why growing grapes and blueberries require completely different approaches.  • How Taylor re-frames the current status of the wine industry, beyond the headlines to the business opportunity in front of them.  • The unique relationship between Serres Ranch’s agriculture and Serres Corporation’s construction enterprise.  • What is it really like working with family?  Learn more about Serres Ranch:  Book a private wine tasting: https://www.serresranchwine.com/land [https://www.serresranchwine.com/land]  https://serresranchblueberries.com/ [https://serresranchblueberries.com/] https://serrescorp.com/ [https://serrescorp.com/]    Book your Wealth Analysis with Sonoma Wealth right here: https://sonomawealthadvisors.com/ [https://sonomawealthadvisors.com/]    Videos available on our YouTube Channel: https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ [https://www.youtube.com/playlist?list=PLaOjL6z16wjV2_CTStzc36Y5JtiwhVoGJ]    References: https://sonomafb.org/serres-family-2023/ _______________________________________  Disclosure: Fermata Advisors LLC is registered as an investment advisor with the SEC and only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. This content was produced by Fermata Advisors, LLC, d/b/a Sonoma Wealth Advisors, d/b/a Fermata 401k, d/b/a Fermata Tax, d/b/a Fermata Insurance.   The opinions expressed by Fermata Advisors, LLC on this show are their own. 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.   Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.      Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Viewers and listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.