What if the secret to preserving family wealth across generations lies hidden in the history books? We venture back to the roots of family offices, drawing lessons from the legendary Morgans and Rockerfellers.  Hosts Sam Maule and Maia Bittner share compelling personal stories and historical insights, setting the stage for a deep dive into the evolution of family offices. Our special guest, Simran Kang, founder of MyFO-Tech and former PwC strategist, provides a rich perspective on how family offices maintain intergenerational wealth amidst alarming attrition rates. Ever wondered how the ultra-wealthy manage their vast fortunes? Join us as we explore the sophisticated ecosystem of family offices in the U.S., which oversee billions in assets. This chapter uncovers the complexities of targeting affluent individuals with over a million dollars in assets looking for diverse investment options.  Simran shares her expertise on the critical role of professional management in family offices and the importance of technological tools for seamless operation. We also navigate the murky waters of regulatory challenges and the risks that come with poor management practices.Imagine replacing your chaotic Excel sheets and notebooks with advanced digital tools for wealth management. This episode reveals the transformative power of specialized software in organizing family and business documents. We discuss the integration of AI to simplify legal complexities and the emotional resistance people have towards abandoning traditional methods. Lastly, we touch on the impactful role of philanthropy and collective giving in managing family wealth. Tune in for invaluable insights and practical advice that bridge the gap between old-school financial management and modern technological solutions.Hosts: Sam Maule & Maia Bittner

Ever wondered what it takes to build a bank from the ground up in less than a year? Join us as we sit down with Corey LeBlanc, co-founder of Locality Bank, who managed this incredible feat in Miami for under a million dollars. Corey shares his remarkable journey, from overcoming regulatory obstacles to raising capital, and how his background in the Air Force surprisingly prepared him for the structured world of banking. This conversation is packed with insights that anyone in the fintech and banking sectors will find invaluable, especially those passionate about community banking.Relationships are the backbone of the banking industry, and this episode underscores their critical importance. We discuss with Corey and other industry leaders how seasoned executives and strong networks can navigate the complexities of obtaining a banking charter. Learn how reputation and relationships can fast-track progress and foster innovation, even amidst post-2009 regulatory challenges. Discover our mission to revive community banking by blending local decision-making power with modern technological advancements.The decline of community banks in America is a pressing issue, and we explore its impact on local markets like Broward County in South Florida. Corey sheds light on the challenges these banks face and the potential for modernization through innovative tech solutions. From strategic decisions in building a tech stack to managing partnerships and contracts, we delve into the intricacies of launching a banking startup. This episode is a goldmine of practical advice on balancing development costs, maintaining customer trust, and successfully navigating the fintech landscape. Don’t miss out on these invaluable lessons.Hosts: Sam Maule & Maia Bittner

Prepare to step into the future of real estate with Amanda Orson, the visionary behind Galleon, as we discuss the seismic shifts taking place in property transactions. Through a lively chat with your hosts, Maia Bittner and Sam Maule , we'll uncover how Galleon is charting a course for a world where traditional agents are no longer the gatekeepers of our dream homes. From the legacy of Zillow's Make Me Move to the thrilling possibilities of a market driven by technology, we promise an insider's look into an industry on the brink of transformation.As we sail through the realms of iBuying, consolidation of industry giants, and the infusion of crypto into the home-buying process, you'll be at the helm with us, navigating through the intricacies of modern real estate. Amanda opens the treasure chest of her insights, revealing the challenges and potential of underwriting loans for the crypto-rich, and sparking curiosity about how blockchain technology could revolutionize ownership verification. Join us for a voyage that not only explores the current landscape but also sets the compass for future innovation in the world of real estate and personal wealth.Hosts: Sam Maule & Maia Bittner

Are you ready to uncover the truth behind the seismic shifts in real estate commissions? Join us as we dissect the aftermath of a landmark lawsuit settlement that's flipping the industry on its head. With the insightful guidance of Tessa Jarvis, a seasoned real estate agent, we navigate the unknown waters of real estate transactions post-settlement. Tessa offers a treasure trove of knowledge, from the implications of removing buyer's agent commission advertising in MLS listings to an insider's perspective on the indispensable value of buyer's agents in a digital age where listings are a click away.This conversation takes a technological twist as we contemplate the marriage of artificial intelligence and real estate. Wondering how AI might revolutionize your property search? We've got you covered, examining its role in data analysis and decision-making, without overlooking that human touch—emotion and tailored advice—that only an experienced agent can provide. The dialogue ventures further, with personal anecdotes reflecting on significant purchases that highlight the importance of expert guidance, whether you're buying a home or a luxury car. Technology's impact on the tools of the trade and the art of marketing in real estate also comes under scrutiny, as we assess the tech that amplifies our business and the strategies that keep us ahead.Lastly, let's talk shop about the nitty-gritty of running a real estate business. Ever wondered how agents like me juggle finances and strategize as an S-corp owner? You'll get an insider's look at forecasting, budgeting, and the strategic inclusion of expenses. We also contemplate how the ripples of that pivotal lawsuit may shape the future of our profession. Reflecting on the emerging trends in Washington State, we invite you to join us in pondering the future trajectory of the real estate industry, ensuring you're informed and ready for what's coming down the pipeline.Hosts: Sam Maule & Maia Bittner

Dive headfirst into the complex world of interchange fees and understand how a mammoth $30 billion antitrust settlement is poised to reshape the financial tech landscape. Your pockets and the broader US market are on the cusp of experiencing the rippling effects of this legal juggernaut. We're peeling back the layers of this financial onion, examining the pivotal roles of banks, the enigmatic interchange fees, and the resilience of Visa and MasterCard's business models amidst industry upheaval. We're also discussing how risk and fraud prevention play into fee determination and why, despite the settlement, your favorite plastic providers might emerge relatively unscathed.Ever wonder how Visa and MasterCard's ironclad rules impact the retail battleground? Our latest conversation illuminates the 'honor all cards' rule that's been ruffling feathers among retailers, and we dissect the chess game that major merchants play to avoid hefty fees. As we navigate the potential consequences of landmark lawsuits and legislative changes, we're contemplating the future of digital wallets and the payment ecosystem. Smaller retailers might find themselves in choppy waters, but for the behemoth merchants, it's an opportunity to sail smoothly through the tempestuous seas of financial change.We wrap up with a keen analysis of how businesses like Starbucks and ride-sharing giants are innovating to sidestep interchange fees with their own ingenious payment systems. Celebrating the strategic prowess of companies that sidestep these costs, we reflect on the broader implications for the fintech and payment industries. Join us as we forecast the ethical and financial waves that may arise from the evolving credit card reward structures and the innovative responses from banks and issuers to market dynamics. This isn't just a financial deep-dive — it's a mirror to the future of how we'll all spend and save.Hosts: Sam Maule & Maia Bittner

Unlock the secrets of financial health with a deeper dive into the world of Health Savings Accounts (HSAs) as we sit down with Matt Quinn, the savvy mind behind Harvest.  Matt illuminates the intricate dance of savings, investments, and tax advantages that HSAs offer, especially post Affordable Care Act.  Experience our candid chat as we, your hosts Sam and Maia, share our own HSA stories, reflecting on the smart moves and the occasional stumbles we've encountered in our journey through the healthcare cost maze.Think managing healthcare costs is a high-wire act? You're not alone. This episode peels back the layers of HSA contribution limits, the quirky 'birthday rule' for dependents, and the savvy strategy of catch-up contributions for the 55-and-over crowd. We even touch on the recent tax return day deadline extension for HSA contributions, offering insights that could change the way you think about your next doctor's visit. Whether it's navigating the system for a family or making the most of your individual plan, we've got the lowdown on how to keep your finances as fit as your health.But it's not all about the numbers—we're also tackling the ethical tightrope of personal finance data. How do you maximize your financial potential without succumbing to the lure of unnecessary spending? We delve into the finder's fees for spotting eligible expenses and wrestle with the tension between data privacy and value extraction. Plus, we explore how fintech startups are creatively addressing cash flow issues to give you a leg up in today's economy. Tune in and join our conversation as we explore the labyrinth of healthcare savings—it's a journey well worth the listen.Hosts: Sam Maule & Maia Bittner

Sam Maule and Maia Bittner have invited Boe Hartman, the CTO  and co-Founder of Nomi,  to pull up a chair again at our virtual table to share insights on the repercussions rippling through the healthcare payment systems, laying bare the stark financial and personal implications for providers and patients alike.As we navigate the turbulent waters of a $4 trillion industry caught in the throes of a major claims processing shutdown, we uncover the unseen winners of this crisis and confront the startling differences in regulation when comparing healthcare to the banking sector.  The conversation pivots scrutinizes the antitrust landscape and its potential effects on healthcare competition and innovation. Tune in for a thought-provoking exploration into the intertwined worlds of healthcare policy, economics, and the cutting-edge efforts by companies like Nomi to forge a more direct and efficient marketplace for us all.Boe Hartman article:  Why Healthcare Needs a Crash Course from Banking Now! Hosts: Sam Maule & Maia Bittner

Discover the intricate labyrinth of medical payments and the heightened need for secure data as we sit with Boe Hartman of Nomi Health, whose expertise in banking and payments sheds light on the seismic effects of the United Healthcare cyber hack.  Boe takes us through the trenches of an industry rattled by outdated systems, revealing how his work at Nomi Health is championing the development of real-time payment rails, poised to overhaul the costly and sluggish process of reimbursing healthcare providers. As we unravel the current state of U.S. healthcare payments, it becomes clear that the shakeup may just be the catalyst for a much-needed revolution in how we settle medical bills.The shockwaves of the recent Change Healthcare ransomware attack, attributed to state sponsored black hat hackers, ripple throughout our conversation, exposing a stark vulnerability in our national infrastructure. The breach's staggering scope, with six terabytes of sensitive data at stake and daily medical transactions grinding to a halt, paints a dire picture. The ramifications extend beyond the disruption of services, as providers are forced back to archaic paper claims and the financial stability of entire systems hangs in the balance. With the industry holding its breath for a potential Congressional lifeline, join us as we discuss the critical demand for resilience and competition in safeguarding the future of healthcare data and payments.Hosts: Sam Maule & Maia Bittner

Einstein once said, I have no special talent, I'm just passionately curious. But let's be honest,  Albert was selling himself way too short.When it comes to fintech, Sam and Maia have definitely honed a few talents over the years. They've got over a decade each in banking and payments industry, so they've earned their stripes.  Now some in the industry like to dub them fintech thought leaders-  but they prefer to see themselves as perpetual fintech interns. And that's precisely why they decided to launch the Artificially Intelligent podcast - to create a platform where they can learn and look about edge cases in fintech, those hidden corners that have been ignored far too often.So hey!  Come and join us on the quest to get a little bit more Artificially Intelligent.Hosts: Sam Maule & Maia Bittner