Host Bart Zandbergen welcomed Strider Elass, Senior Economist of the First Trust Economics Team, into the studio virtually to discuss the ebbs and flows of the stock market this year. Bloomberg has consistently ranked the First Trust Economics Team as one of the top forecasters of the U.S. economy over the past decade plus. At First Trust, Strider is responsible for analyzing economic indicators, writing economic commentaries, and building content. In 2022, The First Trust Economic Team was rated the Most Accurate Economic Forecasters in the United States by Consensus Economics. The team also won multiple Gold Medals from Financial Advisor IQ in both 2020 and 2021 for Macro Commentary, overall content, and commentary and was also rated 2nd for Thought Leadership by Fuse Research. The First Trust Economics Team has been awarded the “Crystal Ball Award” by Zillow® in partnership with Pulsenomics over multiple years for accurate home price predictions. In 2017, First Trust’s thought leadership material was ranked as number one for most read and most shared by financial professionals with colleagues or clients in the “Top 10 Financial Providers for Thought Leadership Activity.” Strider was instrumental in researching for the book, It’s Not As Bad As You Think, published in 2009 by First Trust’s Chief Economist, Brian Wesbury. Tune into this candid episode! Key topics discussed in this episode include:- Market ebbs and flows so far in 2025- Historical market performance- Exports, Imports and Tariffs *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.   The information covered and posted represents the views and opinions of the guest and does not necessarily represent the views or opinions of Axxcess Wealth Management, LLC. Zandbergen Group is a dba of Axxcess Wealth Management, LLC a registered investment advisor. Advisory services are only offered to clients or prospective clients where Axxcess Wealth Management, LLC and its representatives are properly licensed or exempt from licensure.   The information provided is for educational and informational purposes only and does not constitute legal or investment advice and it should not be relied on as such. It should not  be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status, investment horizon or legal matters. You should consult your attorney or tax advisor. The views expressed in this commentary are subject to change based on market and other conditions. These documents may contain certain statements that may be deemed forward‐looking  statements. Please note that any such statements are not guarantees of any future performance and actual results or developments may differ materially from those projected. Any projections, market outlooks, or estimates are based upon certain assumptions and  should not be construed as indicative of actual events that will occur. Always seek the advice of your financial advisor or other qualified financial

Healing Discontent and Unlocking Potential Through Vibrational Success with Mark Romero Host Bart Zandbergen welcomed entrepreneur Mark Romero into the podcast studio for a True Wealth episode. Mark is a sound healing guitarist and the creator of Vibrational Success—a breakthrough audio technology designed to reduce stress, elevate clarity, and support high performance. His immersive guitar soundscapes, combined with guided visualizations and mindsets, help high achievers stay grounded, focused, and in flow. Mark’s music first gained recognition when a former top NASA consultant discovered its unique healing effects—sparking interest in its potential for emotional balance and nervous system regulation. Today, Mark works with entrepreneurs, creatives, and leaders to help them shift out of overwhelm and into alignment—using sound as a catalyst for true success. Tune into this special episode that is rich with wisdom! Key topics discussed in this episode include: - How the art of achievement can produce discontent - Why choosing courage to pursue your dream can be the difference between a life fulfilled and a life that is half lived - How life happens from the inside out and why doing the internal work is key to changing the reflection in the mirror - Sound healing and how it can be transformative for the mind, body and soul Learn more about Mark Romero by visiting: www.MarkRomeroMusic.com *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen welcomed the Founder and CEO of Golden Eagle Vodka into the podcast studio to discuss how his team has made character a priority and a signature of the Golden Eagle brand. Golden Eagle Vodka was born from a desire to change how people see vodka. As a career bartender, Dakota recognized the gap between vodka’s potential and its reality in the market. He wanted to craft a spirit that honored authenticity, richness, and depth—a vodka with character. By using Montana’s Dark Northern Red Wheat and distilling it just once to preserve its natural complexity, Golden Eagle became America’s first luxury Character Vodka, redefining what vodka can truly be. In this spirit driven episode, Dakota shares his journey of bringing this brand to market and his vision for its growth as demand for it takes flight. Key topics discussed in this episode include:- What sparked the development of Golden Eagle Vodka- How Golden Eagle serves a gap in the market and now has surging demand- Why it is important to grow a brand with intention- What Dakota’s most coveted lessons have been thus far in his journey Learn more about Golden Eagle Vodka by visiting: https://www.goldeneaglevodka.com/ *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.  

Host Bart Zandbergen welcomed the CEO of Stark Health into the studio, Todd Vande Hei, to discuss the journey to peak health. Stark exists to change the future of health and fitness in the communities they serve. For the last 15 years, Todd has been on a journey to discover what it means to be in a state of peak health. After suffering from a series of seizures and being diagnosed with high blood pressure and atrial fibrillation in his early 30’s, Todd decided it was time to make a change. Those changes fell into one of four categories: lifestyle, exercise, nutrition, and stress management. But the biggest thing Todd learned through it all? Health is a skill. You’re not born with it, like some would like you to believe, and it isn’t acquired by simply buying another product or starting that new diet. Health is something you can create for yourself, and over time it is possible to attain peak health. Listen to this latest episode that analyzed health as the ultimate wealth. Key topics discussed in this episode include:- Brain health and the aging process- The truth about the role that genetics play in overall health and fitness- How to develop health as a skill- The road to peak health Learn more about Stark Health by visiting: https://www.stark.health/ *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen was joined in the podcast studio by Dr. Mary Ann Martin who is a board-certified Endocrinologist, Executive Health Coach, Speaker and Author. Known as Dr. Hormone Hacker, she takes an alternative approach to our traditional, broken health care system and guides people on prevention and well care, not sick care. She is passionate about bridging the healthcare gap by helping people understand and balance their hormones, achieve a healthy body composition, prevent and reverse chronic diseases, and optimize their health proactively and holistically. In this episode, we discuss many misconceptions about health care, steps worth taking to prevent illness from setting in, and alternative approaches to managing hormones, aging and more. Key topics discussed in this episode include: - How often you should be looking at your bloodwork and why a traditional panel is not comprehensive - The silent killer aka sodium - What macros you should be tracking and why - How managing your hormones can be transformative Learn more about Dr. Mary Ann Martin by visiting: www.drhormonehacker.com *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen was joined in the podcast studio by Dr. Teryn Clarke who is a highly regarded neurologist. She recently wrote a book entitled, “Brain Health Action Plan,” which looks at how to prevent Alzheimer’s diseases through lifestyle changes. In this episode, Dr. Teryn Clarke shares the data she has researched as well as the wisdom she gained throughout her studies. She is passionate about sharing the actionable steps she believes can be taken to prevent Alzheimer’s disease. Key topics discussed in this episode include: - What Dementia is versus what Alzheimer’s disease entails - The importance of brain health and what you can do to maintain it - Simple Health Hacks: Interrupt cravings, stress and sedentariness - What factors contribute to Alzheimer’s disease. Learn more about Dr. Teryn Clarke and purchase her book by visiting: https://www.brainhealthactionplan.com/ *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Bart Zandbergen was joined in the podcast studio by Paula Steurer of Sterling Public Relations who took over as the episode’s host to interview Bart. Taking listeners on a journey back in time, Bart shared details of his humble beginnings and the pivotal fork in the road, inspired by the movie “Rocky,” that changed everything. In this candid episode, Bart discussed some of the most pivotal lessons he has learned in his life and in his business endeavors. He also talked about myths, misconceptions, the True Wealth pillars and how anyone can make the choice to rewrite their story. Key topics discussed in this episode include: -Why leading with integrity is paramount -How to “gut check” yourself when making decisions -Why getting to know a person’s story is so vital to your connection with them -What stops individuals from deciding to rewrite their story -Bart’s top lessons learned in his 20s, 30s, 40s, 50s, and now *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Zandbergen Group is a DBA of Axxcess Wealth Management, LLC a Registered Investment Advisor with the SEC. Bart A. Zandbergen, CA Insurance License #OA96242.

Host Bart Zandbergen was joined in the podcast studio by Andy Nelson of Salient Counsel. Andy represents clients in business, commercial, and intellectual property matters. His practice emphasizes the development of effective strategies for trademark and copyright protection, enforcement, licensing, and dispute resolution (including practice before the USPTO and TTAB). Over his career, Andy has helped businesses in a wide variety of industries, including technology, food and beverage, AFA (apparel-footwear-accessories), manufacturing, and services. A veteran of the U.S. Army’s 82nd Airborne Division, Andy especially enjoys working with businesses operated by those affiliated with the military community. Andy is admitted to practice in California state and federal courts. He is also admitted to practice before the United States Court of Appeals for the Ninth Circuit and the United States Supreme Court. In this episode, Bart and Andy focus on the legalities and nuances of copyrights. They also discuss how AI is impacting copyrights and what may lay ahead as AI becomes more broadly used. Key topics discussed in this episode include: -What the classic four pillars of intellectual property (IP) are. -What is a copyright and what does it typically cover? -How long do copyrights last for? -What are common ways copyrights are infringed on? -Copyright challenges with the onset of artificial intelligence (AI) and authorship issues. -Predictions for copyrights over the next decade due to the emergence of AI. When asked what his ultimate lesson learned has been in his career, Andy shared, “Ask for help and find a mentor.” To learn more about Andy Nelson and Salient counsel, please visit: www.salientpc.com or connect with Andy on LinkedIn: https://www.linkedin.com/in/andrewrnelson/ *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Zandbergen Group is a DBA of Axxcess Wealth Management, LLC a Registered Investment Advisor with the SEC. Bart A. Zandbergen, CA Insurance License #OA96242.

Host Bart Zandbergen was joined in the podcast studio by special guest – Moses Heredia, Founder of Global Processing Systems. Founded on the principles of honesty, integrity and outstanding service, which Moses himself embodies, Global Processing Systems has served thousands of clients for over 20 years. Moses embarked on this career path over 30 years ago, working his way up quickly in his former company before he chose to follow the path less traveled by, aka entrepreneurship. In this episode, Moses shares his humble beginnings, the invaluable lessons and core values instilled in him by his mother, and his words of advice for the up-and-coming generation of leaders and difference makers. Key topics discussed in this episode include: -How having core values as focal points can help guide your life path -Why being a man of your word is essential for a successful life personally and professionally -How a goal without a plan is merely a wish -Why working to be 1% better every day makes dollars and sense -What truly defines success and how to measure it -How having a routine and a sharp focus can help you make progress towards your goals *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen was joined in the podcast studio by Dr. Guitta Harb, aka The Real OC Dentist. Known for her modern smile makeovers, Dr. Harb is an expert in cosmetic dentistry. In this episode, Dr. Harb shares her challenges and triumphs in emigrating from Lebanon to the USA as a teen, her untraditional path to becoming a dentist, and why she feels a smile is more than smile deep. She also gives listeners a glimpse into her personal life, sharing her passion for fitness and family and some of her ultimate lessons learned. Dr. Harb is also a fellow podcaster, hosting The Smile Diaries with leading entrepreneurs and difference makers. Key topics discussed in this episode include: -Dr. Harb’s personal story of overcoming adversity as a child -How an untraditional schooling path led to Dr. Harb becoming a leading cosmetic dentist -Why smiles impact so much more than simply someone’s look -How smile makeovers transform patients’ confidence and in turn relationships with others -Why refusing to listen to the “noise” helps you rise above as an entrepreneur and leader *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen and co-host Letitia Berbaum were joined in the podcast studio by Dr. Naomi Win. Dr. Win draws on clinical practice and current research to clarify the psychological factors that shape decision-making. By mapping the cognitive and emotional drivers that define financial behaviors, she upskills those seeking adaptive strategies to enhance well-being and wealth. As we navigate market volatility, and the impact of world affairs, Dr. Win shares her insights on how psychological factors can impact investing and other key decisions that may have a ripple effect. Key topics discussed in this episode include: -How uncertainty impacts decision making -What loss aversion is and how it influences behavioral choices -3 pillars to finding emotional stability -Why engaging with uncertainty can help someone move past perceived blocks and access new levels of opportunity -Habit based reactions/choices vs. opportunity based reactions/choices Dr. Win shared her Ultimate Lesson Learned to date in her career in Behavioral Finance, which was best summed up in a quote that was said to her by a close friend: “In the discomfort of absurdity make finished things.” *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen was joined in the podcast studio by Carmel and Camellia Imani of Imani Law LLP, a law firm designed for creators to help navigate the legal side of entrepreneurship. Imani Law LLP has helped entrepreneurs legally start their business, as well as secure brand ownership through trademarks. Both Carmel and Camellia earned their Juris Doctorate at UC Davis School of Law. They began their legal career in litigation before transitioning to their own transactional practice. They now protect individuals and keep them out of court through transactional and preventative approaches. Imani Law LLP is not your typical law firm. It is a law firm for today’s day and age, where it prides itself in flat rate fees, transparency, approachability and provides a virtual space for community connectivity on social platforms, including Instagram and Tik Tok. Key topics discussed in this episode include: -How to determine what business entity structure is right for you -Importance of using contracts in business -Importance of intellectual property and how to prove ownership of it through trademarks and copyrights -Why working with strategic professionals is key to building sustainable businesses -Mindset shifts that successful business owners should embody *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

Host Bart Zandbergen was joined in the podcast studio by Scott Heinila to discuss the art and power of discipline. The duo discussed how discipline plays a factor in their personal and professional lives as they navigate business, relationships, family matters, fitness and beyond. They began by unpacking people’s willingness to, “Do what others won’t do, to be or have what others won’t have,” and how a powerful motivating factor plays into the matter. Whether you are looking to rewrite your story, or design the chapter of your life called 2024, this episode will inspire you to take action to achieve the goals you plan to set for yourself by channeling discipline. Key topics discussed in this episode include: -How consistency and persistency support discipline. -Why your motivating factor has to be strong enough to carry your through plateaus. -How to avoid getting lost in a cycle called “the case of the Mondays.” -Why nutrition and fitness go hand in hand and one without the other works against your fitness goals. -How to prioritize effectively to create sustainable routines and processes. -What smart steps are to devote yourself to the big picture so you can work progressively towards your goals. *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE.

The Zandbergen Report’s 6th Annual Holiday Wine Pairing Podcast Host Bart Zandbergen was joined in the podcast studio by co-host Letitia Berbaum, Paula Steurer of Sterling Public Relations, Scott Heinila of Producers Choice Network, and featured guest Landon Patterson, CEO of Hundred Acre. Landon shared tasting insights, pairing notes and little-known facts about the distinctive wines he chose to feature on the episode, while the show’s guests also reviewed several wines from Copper Cane. Special thanks to Devon Ulrich, National Account Vice President, of Copper Cane Wines & Provisions for supporting this year’s podcast episode alongside Hundred Acre. Featured wines in the 2023 edition of the Annual Holiday Wine Podcast include: -Senza Freni by Paul Lato 2021 Tocai Friulano -Napa Valley Quilt 2021 Fumé Blanc -Belle Glos Oeil de Perdrix Pinot Noir Blanc -Summer Dreams Twilight Pinot Noir 2021 -Belle Glos Pinot Noir Las Alturas -La Vieux Donjon Chateauneuf Du Pape -Napa Valley Quilt Cabernet Sauvignon

Host Bart Zandbergen was joined in the podcast studio by Scott Heinila to discuss Long-Term Care benefits, considerations, and possible changes. California is considering a statewide Long-Term Care Insurance program that is also known as AB 567. If passed, this bill would require residents to pay an increased income tax of 0.40% to 0.60% to cover the cost of state-funded long-term care program. In this episode, the duo discusses the importance of being informed so that each person and their families can make the right choices for their individual needs related to their long-term care options. Learn more in the episode about: - What Long-Term Care is, what it consists of, and what various types are available - Possible changes coming with the proposed Long-Term Care Assembly Bill - What tax implications should be considered - What the state mandates would mean for California residents *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC (”Axxcess”), an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE. Axxcess and its advisors do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. The contents of this podcast do not constitute insurance advice. The Zandbergen Group is a dba of Axxcess. The Zandbergen Group, Axxcess, nor Optimized Wealth Insurance are affiliated.

Bart Zandbergen and Scott Heinila Talk with Dr. Morgan Cutlip Host Bart Zandbergen was joined in the podcast studio by Scott Heinila and Dr. Morgan Cutlip, PhD. She recently released her book entitled “Love Your Kids Without Losing Yourself.” As a highly sought after relationship expert, Dr. Morgan knows what it feels like to lose yourself in motherhood, and she’s determined to help mothers navigate it better. Throughout her career, she has helped hundreds of thousands of people worldwide learn how to form and maintain healthy relationships. In this episode, Dr. Morgan talks candidly about the art of relationships, the unexpected nuances of motherhood, and how to blaze a successful trail that unites the two. Dr. Morgan has been a featured relationship expert with Good Morning America, Teen Vogue, The New York Times, Women’s Health Magazine, MOPS International, Loveology, and Flo, the #1 app in health and fitness. Learn more in the episode about: -Movie moment expectations of motherhood versus reality -How to navigate the feeling of losing freedom -Why knowing who you are is vital to knowing how your needs can be met -How to develop a self check-in and assessment in order to navigate your emotions in real time Soundbyte: “Mother yourself like you mother your kids.” -Dr. Morgan Cutlip, PhD. Connect with Dr. Morgan Cutlip HERE on LinkedIn and HERE on Instagram.

Host Bart Zandbergen was joined in the podcast studio by Melissa Océan, Founder and CEO of Divorce Strategies Group which is based in Las Vegas. Melissa has been serving clientele in the financial industry since 1992 and has been published nationally in Kiplinger, Thrive Global, Yahoo! News and Yahoo! Finance. Melissa has been creating and designing portfolios for sustainability to post-divorce clientele for the past 19 years through Abundant Wealth Strategies. Melissa does not provide specific financial advice during the divorce process but educates about general financial practices such as withdrawal rates and spending policies. In this episode, Bart and Melissa discuss the strategies and insights that Melissa has gained throughout her career to support and empower her clientele. Learn more in the episode about: -Why understanding tax and ownership considerations for various assets is important -Why education related to asset management is empowering and useful -How lifestyle analysis can be vital during a divorce -Why managing emotions related to a marital home is important -What steps you can take to incorporate a strategist such as Melissa Océan in a divorce case Learn more about Melissa Océan and Divorce Strategies Group by visiting: https://www.melissaa.net/

Bart Zandbergen Talks with Entrepreneur and Author Nycole Freer Host Bart Zandbergen was joined in the podcast studio by entrepreneur and author Nycole Freer. A fellow advisor, Nycole launched Eden Financial this year. One of her passion projects following the launch of her firm was to write her first children’s book. Releasing it in April of this year, “Haisley’s Birthday Money,” which is named after Nycole’s daughter, is full of fun lessons children can take with them as they grow. The book is available through Amazon and Barnes and Noble. In this episode, Bart and Nycole discuss entrepreneurial lessons, their passion for wealth management and more. Learn more in the episode about: -What sparked Nycole’s passion for the wealth management industry -How early childhood experiences with money impacted Nycole’s outlook on money management -What entrepreneurial lessons Nycole has gained since launching her own company -What inspired Nycole to author a children’s book on finances -How financial literacy can impact financial decisions for adults Learn more Nycole Freer and her book “Haisley’s Birthday Money” here: https://edenfinancial.co/haisleys-birthday-money

Host Bart Zandbergen was joined in the podcast studio by Alec Glasser, Founder of The Drake Restaurant in Laguna Beach and The Drake Gives. The Drake Gives launched in 2021, and remains steadfast in its mission to connect, inspire and provide underserved youth with music education, materials and instruments. To date, The Drake Gives has raised nearly half a million dollars to support Save The Music Foundation which has funded public music education in the Anaheim School District. Empowering young lives through music, The Drake Restaurant will host “Groove for Good” on June 6th, 2023. The elevated culinary and entertainment experience benefiting The Drake Gives and Save The Music Foundation will include cuisine curated by The Drake’s award-winning culinary team complete with wine pairings from Laguna Beach based Arrow and Branch, while multiple entertainers will be performing throughout the evening, provided by Cueva Entertainment. Learn more in the episode about: -How The Drake Gives and its recent donations are impacting the underserved youth in the Anaheim Public School System -What to expect at the upcoming June 6th, 2023 experience, “Groove for Good,” where proceeds will benefit public music education programs in our local Orange County school system -What The Drake Gives’ expansion plan and goals are for continued impact -How recent studies have shown that music education helps children with anxiety, depression and mental well-being -Alec Glasser’s time at The Drake Hotel in NYC where he became friends with the legendary Sammy Davis Jr. Learn more about The Drake Gives and the upcoming fundraising experience by visiting: https://www.thedrakegives.org/ *** The Zandbergen Report, where wealth strategies and investment wisdom collide, is led by host Bart Zandbergen. The show is also available on Apple Podcasts, Google Play Store, Podbean and Spotify. Interested in being a guest on The Zandbergen Report? Email podcast@bartzandbergen.com. Learn more about Bart by visiting www.BartZandbergen.com *** NO OFFER OR SOLICITATION: The contents of this podcast episode: (i) do not constitute an offer of securities or a solicitation of an offer to buy securities, and (ii) may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management, LLC, an SEC Registered Investment Advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are NOT FDIC INSURED, NOT BANK GUARANTEED and MAY LOSE VALUE. Axxcess and its advisors do not provide legal, accounting, or tax advice. Consult your attorney or tax professional. Representatives have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration. The contents of this podcast episode do not constitute an offer of securities or a solicitation of an offer to buy securities, and may not be relied upon in making an investment decision related to any investment offering Axxcess Wealth Management LLC, An SEC-registered investment advisor. Axxcess does not warrant the accuracy or completeness of the information contained herein. Opinions are our current opinions and are subject to change without notice. Prices, quotes, rates are subject to change without notice. Generally, investments are not FDIC insured, not bank guaranteed, and may lose value.

Letitia Berbaum Talks with Jason Ma CEO of ThreeEQ Host Letitia Berbaum was joined in the podcast studio by Jason Ma, a world-renowned Chief Mentor of Next-Gen Leaders and CEO of ThreeEQ, a family business. With over 38 years of industry experience, including cofounding and leading successful education and technology ventures, and over 2 million miles of world travel, Jason has inspired, guided, and transformed 1-on-1 the lives of numerous Gen Z and elder leaders, while easing legacy and succession planning in UHNW families. As an appointed member of the B20, the G20’s official engagement group representing the global business community, Jason has served on its Future of Work and Education Taskforce in the G20 Presidencies of nine countries, being one of a select few Americans appointed yearly to the powerful B20/G20. Jason not only is an Elite College Admissions Counselor, Life and Executive Coach, Parent Coach, and Speaker sought after by wealthy families, family offices, and top-tier event organizers, but also is the author of Young Leaders 3.0 (a highly acclaimed book), a contributor to Impact Wealth and Family Office Magazine, a star former Forbes contributor on Mentoring Young Leaders, and a delegate by invitation to the prestigious Forbes Global CEO Conference for 8 years. Jason is also a well-connected Board/CEO advisor and high-level rainmaker to select tech companies and family offices, as well as an investor. In this episode learn more about: - How ThreeEQ is preparing the NextGen for greatness - How ThreeEQ helps create remarkable outcomes while reducing family stress - Why it is important to start preparing your children for college admissions success early Learn more about Jason Ma and ThreeEQ by visiting: https://threeeq.com/