Latest Stories in "In The News"

ErythroAGRO Opens XyloSHIELD™ Offense & Defense System Pilot Batch #001 For Certified MWBE Partners

ErythroAGRO announced the qualification launch of its XyloSHIELD™ Offense & Defense System Pilot Batch #001. Designed for certified MWBE contractors performing structural framing scopes for prime contractors, the turnkey field kit pairs neat anhydrous botanical timber defense chemistry with subterranean monitoring hardware and standardized System Validation Protocols for auditable Commercially Useful Function jobsite diligence.

Owen Edwards, Certified Financial Fiduciary®, Encourages Investors to Focus on the Value of Advice—Not Just the Cost of It

PECKVILLE, PA. – August, 17, 2026
Fees vs. Value: Don’t Confuse the Two 
One of the first questions people ask when considering a financial advisor is, “What are your fees?” 
It’s a fair question. But according to Owen Edwards, a Certified Financial Fiduciary®, it may not be the most important one. 
“I think a better question is: ‘What value do I receive for the fee I pay?” Edwards said. 
Whether it’s healthcare, legal advice, home repairs, or financial planning, most people understand that price and value are not the same thing. Choosing solely based on the lowest cost can lead to disappointment—and greater expense down the road. Edwards believes the same holds true when hiring an investment adviser. 
Comparing Fees Isn’t the Same as Comparing Value 
Edwards believes many investors make the mistake of comparing advisory fees as if they were comparing identical products. In reality, he says, the difference between advisors often has less to do with the investments they recommend and more to do with the guidance they provide before, during, and after those investments are made. 
“Comparing fees is simplistic,” Edwards explained. “It’s much harder to measure the cost of poor decisions—taking too much risk, reacting emotionally during market downturns, overlooking tax consequences, or entering retirement without a coordinated income strategy. Those decisions can have a lasting financial impact.” 
Investment management, Edwards notes, is only one piece of the puzzle. True financial advice should include education, planning, ongoing reviews, retirement income strategies, beneficiary coordination, employer retirement plans, and guidance through life’s major financial decisions. 
Questions Investors Should Be Asking 
When evaluating a financial advisor, Edwards recommends looking beyond cost alone. Instead of asking only “What do you charge?” he suggests investors also ask: 

What services are included? 
How often will we meet? 
Will you proactively review my plan? 
How do you help during difficult markets? 
Do you provide retirement income planning? 
Will you coordinate with my CPA and attorney when appropriate? 
How do you measure success beyond investment returns? 

 Not the Cheapest—The Right Fit 
“I feel this topic is so important because I’ve seen too many people shop for a financial advisor the same way they shop for gas—looking for the lowest price,” Edwards said. “Everyone wants to save money, and I understand that. But this isn’t just another purchase. It’s your life savings, your retirement, and your family’s financial future. Choosing an advisor based solely on who charges the least can end up being one of the most expensive financial decisions you ever make.“ 
Edwards believes the goal shouldn’t be to simply find the cheapest advisor—the goal should be to find someone whose process creates value that exceeds the cost. 
“The least expensive advisor isn’t always the best value,” Edwards concluded. “Just as the most expensive isn’t automatically the best. The right advisor is the one who understands you, your concerns, and your goals. From that understanding comes a long-term strategy designed to help you make informed decisions through every stage of life. That’s value.“ 
 About Owen Edwards:   
 Owen Edwards, Certified Financial Fiduciary® serves select clients throughout Pennsylvania and nationwide. In his 30th year, Edwards is known for his educational, client-first approach and his dedication to helping clients gain clarity and confidence to make informed financial decisions. 
 Learn more: http://OwenEdwardsInvestments.com/   
Owen Edwards is an Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC. 

Michael Clementi, Advisor Development Consultant with Simplicity Group Interviewed on the Influential Entrepreneurs Podcast Discussing How to Achieve Greater Success

Michael Clementi discussing How to Achieve Greater Success 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-michael-clementi-advisor-development-consultant-with-simplicity-group/
In this episode of Influential Entrepreneurs, Mike Saunders had the pleasure of speaking with Michael Clementi, an Advisor Development Consultant with Simplicity Group. Michael shared his journey into the IMO (Independent Marketing Organization) industry, which he entered after graduating from Cal State San Marcos with a degree in sales management. Began his career at Life Pro Financial Services, where he initially focused on fixed indexed universal life policies. 
Focus on the Client’s Transformation 
In today’s fast-paced and competitive business landscape, especially within the financial services industry, the focus has shifted from merely selling products to fostering meaningful transformations in clients’ lives. This evolution is encapsulated in the philosophy of prioritizing the client’s transformation over the features of a product. As discussed in a recent podcast featuring Michael Clementi, this approach not only enhances client relationships but also paves the way for long-term success for both the advisor and the client. 
The traditional model of sales often revolved around being an “order taker,” where the salesperson simply responds to client requests without delving deeper into their needs or aspirations. This method is akin to offering a menu without understanding the customer’s palate. In contrast, a consultative approach encourages advisors to engage clients in meaningful discussions about their goals and challenges. By asking questions that prompt clients to envision their desired future, advisors can guide them on a transformative journey rather than just presenting a series of products. 
Clementi’s career trajectory illustrates this shift beautifully. Initially, he found success by being knowledgeable about products and providing clients with detailed illustrations. However, he soon realized that this approach was limited and could easily lead to commoditization. His partner’s insight—that the product is secondary to the process—was a game-changer. This understanding transformed Clementi’s mindset, leading him to prioritize the client’s journey and the outcomes they seek over the specifics of the financial products themselves. 
This philosophy aligns with the marketing maxim of “sell the transformation, not the transportation.” Clients are often overwhelmed by technical jargon and details that may seem irrelevant to them. For instance, a client nearing retirement may not care about income riders or cap rates; they simply want assurance that they can enjoy their golden years without financial stress. By focusing on the client’s desired transformation—such as achieving financial security and peace of mind—advisors can communicate in a language that resonates with their clients’ experiences and aspirations. 
Moreover, this consultative approach fosters a deeper connection between the advisor and the client. When clients feel understood and supported in their journey, they are more likely to trust their advisor and view them as a partner in their financial success. This trust can lead to increased referrals and long-term relationships, which are invaluable in the financial services industry. As Clementi noted, when clients talk about their positive experiences, they contribute to the advisor’s reputation and marketability, making them more referable. 
One of the critical aspects of focusing on the client’s transformation is recognizing the gap between the advisor’s knowledge and the client’s understanding. Many clients come from non-financial backgrounds and may struggle to comprehend complex financial concepts. Advisors must bridge this gap by simplifying their communication and emphasizing the benefits of their services. Instead of inundating clients with technical details, they should articulate how their strategies will positively impact the client’s life, allowing them to envision the outcomes they desire. 
In conclusion, the principle of “value first” is a powerful guiding philosophy that can transform the way we approach our personal and professional relationships. By prioritizing the success of others, we not only enhance our own opportunities for growth but also contribute to a more collaborative and supportive community. As Michael Clementi’s journey illustrates, the path to fulfillment and success lies not in the relentless pursuit of our own goals, but in the genuine desire to uplift and empower those around us. In doing so, we create a legacy of impact that extends far beyond our individual achievements, embodying the true essence of success. By focusing on the client’s transformation, we not only foster meaningful relationships but also redefine what it means to be successful in our respective fields. 
 
Michael shared: “What really motivates me is helping advisors grow their business year over year. You cannot put a price tag on the feeling you get when an advisor calls you at the end of December to tell you they had their best year ever.” 
Video Link: https://www.youtube.com/embed/42jrb2DzvcU 
About Michael Clementi 
Michael Clementi is an advisor development consultant at Simplicity Group. Over the course of his 8 years in the financial services industry he has built meaningful relationships with advisors across the country while supporting and growing their practices. Clementi offers immense support to the advisors he works with through his deep understanding of building effective financial strategies to achieve clients’ long term goals. Additionally, he provides instrumental value in their continued growth by keeping them up to date and educated on the latest industry trends. 
Learn More: https://www.simplicitygroup.com/  

Why a Proven Process Matters More Than Financial Products

Owen Edwards, Certified Financial Fiduciary®, Encourages Investors to Prioritize Strategy Over Trends
As financial markets continue to evolve and an increasing number of investment products enter the marketplace, Owen Edwards, Certified Financial Fiduciary®, is reminding investors that he believes lasting financial success is built on a disciplined planning process—not on chasing the latest financial product or market trend.
“I believe the best investment isn’t a product, it’s a process,” said Edwards. “While innovative financial solutions can provide value when used appropriately, products should never come before understanding a client’s goals, risks, and overall financial picture.”
Edwards believes every successful financial strategy begins with a comprehensive planning process that enables clients to make informed decisions with confidence. Before discussing investment solutions, he focuses on understanding each client’s unique objectives, risk tolerance, tax considerations, retirement goals, cash flow needs, and long-term vision.
Rather than reacting to short-term market volatility or pursuing the newest investment opportunities, Edwards emphasizes that successful investing is rooted in discipline, consistency, and thoughtful decision-making.
“Our responsibility is not to predict every market move,” Edwards added. “Our responsibility is to help clients build a financial strategy that can withstand changing markets while remaining aligned with what matters most to them.”
This client-first philosophy extends throughout Edwards’ practice, including retirement planning, wealth management, fiduciary consulting, employer-sponsored retirement plans, and legacy planning. By focusing on the planning process first, clients receive objective guidance tailored to their personal circumstances rather than recommendations driven by products alone.
As the second half of the year begins, Edwards encourages individuals, families, and business owners to review their financial plans, assess their progress toward long-term goals, and ensure their strategies continue to reflect changes in their lives, businesses, and the broader economic environment.
“Markets will fluctuate. Interest rates will change. New investment products will continue to emerge,” Edwards said. “But a disciplined financial planning process provides the foundation that helps investors stay focused on their long-term objectives regardless of changing conditions.”
Edwards believes that while financial products may evolve over time, the principles of sound planning remain constant. His commitment continues to be delivering objective, fiduciary guidance through a disciplined process designed to help clients pursue lasting financial confidence.
As Edwards summarizes his philosophy: “Products change. Process endures.”
About Owen Edwards
Owen Edwards is committed to helping individuals, families, and business owners pursue financial confidence through personalized planning, fiduciary guidance, and disciplined investment strategies. By emphasizing process over products, he seeks to build lasting relationships grounded in trust, education, and long-term stewardship.
Learn more: https://royalfundmanagement.com/
Owen Edwards is an Investment Adviser Representative of and investment services offered through Royal Fund Management, LLC, an SEC Registered Adviser. 401(k) Maneuver is another business name for Royal Fund Management, LLC.

The Financial Advisor Journey: Kevin Nuber with Simplicity Shares Insights on Growth and Development

Kevin Nuber discussing The Journey of a Financial Advisor
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-kevin-nuber-financial-advisor-development-consultant-with-simplicity/
 In this episode of Influential Entrepreneurs, Kevin Nuber, a Financial Advisor Development Consultant with Simplicity Group. Kevin shared his extensive experience in the financial advisory industry, spanning over 20 years, and discussed his journey from a novice in the field to becoming a stockholder in a firm that successfully planned for succession and growth.
Transform Your Business for Valuation
In the competitive landscape of financial advising, the ability to transform one’s business for valuation is not merely a strategic advantage; it is essential for long-term success and sustainability. The podcast featuring Kevin Nuber sheds light on the intricate processes involved in enhancing the value of a financial advisory practice. By focusing on a structured approach to business evaluation and transformation, advisors can ensure that their practices are not only profitable but also transferable and appealing to potential buyers in the future.
The journey toward a higher business valuation begins with a thorough understanding of one’s current position. Nuber emphasizes the importance of a comprehensive evaluation checklist, which consists of ten key factors that contribute to the overall health and value of an advisory business. This assessment serves as a diagnostic tool, allowing advisors to identify areas of strength and opportunities for improvement. By grading their practices on a scale from red to green, advisors can gain clarity on where they stand and what steps are needed to elevate their business.
One of the critical insights from the podcast is the notion that transformation is not a mere checklist exercise; it is a process that often requires external guidance. Engaging with a coach or advisor who specializes in business transformation can provide invaluable perspectives that may be difficult to see from within. This outside perspective is crucial for recognizing blind spots and addressing challenges that may hinder growth. Nuber’s approach underscores the significance of collaboration in achieving a successful transformation.
Moreover, the podcast highlights the importance of aligning business practices with the ultimate goal of creating a legacy. For financial advisors, this means focusing on the client experience rather than just the financial products they offer. By prioritizing client transformations over transactions, advisors can cultivate deeper relationships, foster trust, and ultimately enhance their business’s reputation and value. This client-centric approach not only leads to immediate growth but also positions the practice as a long-term asset that can attract potential buyers.
As advisors embark on the journey of transformation, it is essential to embrace their passion for the work they do. Passion fuels perseverance, creativity, and innovation, allowing advisors to navigate challenges and refine their processes. By integrating their passion into their business strategies, advisors can create a more fulfilling practice that resonates with clients and stands out in a crowded market. This alignment of passion and purpose is what ultimately drives meaningful change and leads to a higher valuation.
In conclusion, the podcast featuring Kevin Nuber offers valuable insights into how passion can shape growth strategies for financial advisors. By embracing their passion, advisors can overcome challenges, refine their processes, and build lasting legacies. As they continue to serve their clients and communities, it is this passion that will not only define their success but also inspire future generations of financial advisors. Ultimately, the focus on client transformations over products is not just a strategy for business growth; it is a commitment to understanding and addressing the real needs of clients, leading to more meaningful and impactful financial advising. By prioritizing the destination over the vehicle, advisors can create a more fulfilling and successful practice that truly resonates with those they serve.
Video Link: https://www.youtube.com/embed/GUpFXvPHhiU
About Kevin Nuber
Kevin Nuber started with an IMO / FMO called LifePro Financial Services in 2004 where he worked for 20 years and helped the company build, scale, and ultimately capitalize the business.  As a stock holder, he was able to experience the problems a business faces and what it was like to ultimately capitalize.  Now Kevin partners with financial advisors who want to stop being product sales people and instead want to become confident business owners and build a business bigger than just themselves.
Learn More: https://www.kevinnuber.com/

Adam Hagaman’s Second 30-Day Devotional, Transformation, Reaches Best-Seller Status

Written as a series of daily messages from Jesus to the reader, Transformation: Renew Your Mind. Transform Your Life has resonated with readers seeking freedom from fear, shame, condemnation, and performance-driven faith. The 30-day devotional by Adam Hagaman recently reached best-seller status and serves as the second installment in a three-part discipleship series, guiding readers through the renewing of the mind, embracing their identity in Christ, and experiencing lasting transformation.

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