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Purpose Driven FinancesYour Company Retirement Plan, Picking InvestmentsCPI printed at 2.39% — inside our projected 2.37%–2.90% range — confirming inflation is persistent but not re-accelerating. Yet markets sold off. In this episode of Purpose Driven Finances, Allan Malina of Servus Capital Management explains why liquidity and “negative gamma” drove the volatility — and why the shift from Quad 2 to Quad 3 should influence how you structure your 401(k) or 403(b) in Lynchburg and Central Virginia.
Key Takeaways
• The Math Holds: CPI at 2.39% confirmed disinflation remains intact.
• Mechanics Over Macro: The selloff reflected positioning and negative gamma — not economic collapse.
• The Regime Shift:
2026-02-2529 minPurpose Driven FinancesYour Company Retirement Plan, ExplainedIs your 401(k) a strategy or just a container? Allan Malina breaks down the 2026 volatility in silver and software before explaining how to move from passive participation to disciplined stewardship of your largest financial asset.
KEY TAKEAWAYS
Volatility Is Often Technical, Not Fundamental: Recent weakness in silver and software stocks reflects forced deleveraging and AI-fear repricing—not a collapse in long-term value.A 401(k) Is a Tax Container, Not a Strategy: The container itself doesn't determine your future; the intentional allocation inside it does.Default Does Not Mean Optimal: Target-date fu...
2026-02-2529 minPurpose Driven FinancesNEW FED CHAIR NOMINATION: THE PERSON, THE POLICY, AND WHAT MARKETS ACTUALLY HEARNEW FED CHAIR NOMINATION: THE PERSON, THE POLICY, AND WHAT MARKETS ACTUALLY HEAR
Aired January 31, 2026
Leadership at the Federal Reserve is entering a new season.
With the nomination of Kevin Warsh to succeed Jerome Powell, markets are beginning to recalibrate—not based on politics, but on what this change signals about credibility, discipline, and the future posture of monetary policy.
In this episode of Purpose Driven Finances, Allan Malina moves past the headlines to examine what markets actually hear when leadership ch...
2026-02-0829 minPurpose Driven FinancesFROM MARKETS TO MEMORIES: PLANNING VACATIONS THE SMART WAYFrom Markets to Memories: Planning Vacations the Smart Way
Purpose Driven Finances | Aired January 24, 2026
Process Over Prediction: Utilizing the Quantitative Portfolio Model (QPM) allows for disciplined navigation of market pullbacks, focusing on data rather than the alarmist headlines of the day.The Necessity of Financial Margin: Anticipating legislative shifts—such as Virginia’s rising auto insurance and energy costs—is a critical component of stewardship that protects your household’s peace of mind.Travel as Stewardship: Vacation planning is not merely a transaction; it is the management of emotional and financia...
2026-02-0829 minPurpose Driven FinancesPlanning the Moments That Shape Your LifeFirst aired on 1/17/2026
Inflation: Direction Over Headlines — Inflation continues to cool (≈2.7%), moving closer to long-term expectations. In a world of noise, disciplined monitoring remains superior to reactionary shifts.AI as a Tool, Not an Oracle — AI excels at accelerating understanding and organizing data, but it cannot replace human judgment or the responsibility of stewardship in high-stakes decisions.The “Decide First” Rule — Before price shopping for major life moments, the decision must pass a filter: Is the timing intentional or emotional? Clarity should always precede action.Structure Over Sticker Price — For significant co...
2026-01-2229 minPurpose Driven FinancesWHY BIG MOMENTS DESERVE BETTER PLANNINGWhy Rushed Life Decisions—Not Markets—Are Your Biggest Financial Risk
Is your "New Year, New Me" energy leading to long-term financial stress? In this episode of Purpose Driven Finances, Allan Malina breaks down why the first two months of the year are the most dangerous for your bank account—and how to shift from urgent spending to intentional planning.
🔑 Key Takeaways: The Cost of Urgency
The "Urgency Trap": Most financial regrets stem from rushed life decisions (housing, weddings, retirement) rather than market volatility.The Q1 Surge: January and Febru...
2026-01-1229 minPurpose Driven FinancesWhat Actually Mattered in 2025 — And What Didn’tSignal vs. Noise: Why 2025's recession headlines and inflation panic failed to derail the markets.Regime Shift Lessons: How understanding the "Quad" sequence (4,3,2,1) provided the real roadmap for 2025.The Year-End Clean-up: The critical difference between portfolio rebalancing and true "behavioral resets."Accountability: Why "what we got wrong" is the most important question an advisor can answer on-air.
"Prepare for 2026 by reviewing what actually mattered in 2025. Allan Malina discusses macro regime shifts (Quads), market signals, and year-end planning in Lynchburg."
Episode Overview In this year-end episode of Purpose...
2026-01-0829 minPurpose Driven FinancesPREPARING FOR 2026 — WITHOUT PREDICTIONSEconomic Setup: Why "Quad 1" signals a shift toward growth and innovation.Resilience over Predictions: How to stay flexible when market forecasts fail.The "Why" of Money: Aligning your 2026 strategy with family and freedom.
"Prepare for 2026 without market predictions. Allan Malina discusses regime-based investing, Quad 1 setups, and purpose-driven financial planning in Forest, VA."
Episode Overview In this episode of Purpose Driven Finances, Allan Malina explains why successful financial planning for 2026 isn’t about predicting markets, but about positioning thoughtfully through regime-based investing. As ea...
2026-01-0829 min
The HOME ShowThe HOME Show: 1/8/26The HOME hosts kicked things off by discussing New Year's resolutions, noting a statistic that 88% of resolutions fail by February 1st. The team shared personal strategies for success, such as making "atomic" or small measurable goals, writing objectives down for accountability, and debating the merits of quarterly three-day fasts.Jake Nuckols from DoorTek Garage Door Service joined the studio to discuss his role as the show’s new title sponsor and the evolution of the family business. He detailed modern garage door trends like wood-grain "plank" doors and flush European steel styles, noting that a new garage do...
2026-01-0841 minPurpose Driven FinancesSenior Risk ManagementStagflation, Quad Shifts & Senior Risk Management
Aired July 19, 2025
This week, Allan updates listeners on the economic transition ahead—and continues July’s series on Risk Management, focusing specifically on what seniors face in today’s environment.
🎙️ Segment One — Portfolio Update: Stagflation → Quad 2
The quarter remains in Quad 3 (Stagflation), but models show a transition toward Quad 2, where inflation accelerates and growth lags. Allan explains what that shift means for investors:
Key Signals to Watch
📈 Inf...
2025-11-1829 minPurpose Driven FinancesReal-World Family Risk ManagementStagflation, Rising Inflation & Real-World Family Risk Management
Aired July 12, 2025
In this episode, Allan breaks down the next phase of the economic cycle and continues July’s deep dive into Risk Management for Families—what it is, why it matters, and how to protect your household from the threats most people underestimate.
Segment One — Portfolio Update: Stagflation → Quad 2 (But With a Warning)
The quarter remains in Quad 3 (Stagflation)—slow growth, rising inflation. But models show a shift toward Quad 2...
2025-11-1829 minPurpose Driven FinancesStagflation, New Legislation and the Truth About RiskStagflation, New Legislation & the Truth About Risk
Aired July 5, 2025
In this episode, Allan pulls listeners into the heart of what’s changing—both in the markets and in Washington—and sets the stage for July’s month-long deep-dive on Risk Management. If you want to understand where the economy is heading and how to protect yourself from your own blind spots, this is the one to hear.
Segment One — Portfolio Update: Quad Shifts & Congressional Shockwaves
The economic landscape is shifting again. Jul...
2025-11-1829 minPurpose Driven FinancesFear, Discipline and The Bell Curve of Risk: How Purpose-Driven Investors Move Forward With ConfidenceFear, Discipline & The Bell Curve of Risk: How Purpose-Driven Investors Move Forward With Confidence
Aired March 8, 2024
This episode speaks directly to the men and women who have worked hard, sacrificed, saved diligently, and still feel uneasy about the future. Allan opens with what most financial voices overlook: affirmation — and then addresses the real weight people carry in today’s environment.
Segment One — Fear is Real, But It Shouldn’t Lead Your Financial Life
Allan begins by honoring listeners:
Congratulations for savi...
2025-11-1829 minPurpose Driven FinancesChanging Quads and What “Readiness” Really Means for Your Retirement!Changing Quads, Global Shifts & What “Readiness” Really Means for Your Retirement
As economic conditions shift and global trade reshuffles, Allan Malina helps investors understand how to position their portfolios — and how to measure true retirement readiness in a world full of opinions, noise, and misconceptions.
📅 Aired May 10, 2025
In this episode of Purpose Driven Finances, Allan opens with major movement in the portfolio landscape: economic Quads are changing again, signaling a shift toward equities. He breaks down how tariffs, employment trends, cheap-goods imports, and global supply chains (particularly the move away from...
2025-11-1829 minPurpose Driven FinancesChanging Quads, Retirement Questions and Finding Your Real NumberChanging Quads, Retirement Questions & Finding Your Real Number
As markets shift and retirement questions rise to the surface, Allan Malina helps listeners cut through noise, fear, and comparison — and gives a clear path toward confident long-term planning.
📅 Aired May 3, 2025
In this episode of Purpose Driven Finances, Allan opens with the portfolio: economic Quads are changing, leadership is shifting, and the data is pointing toward reallocating back into equities as markets push toward all-time highs. The message is simple — stay disciplined, not emotional, and let the process guide the adjustments.
A...
2025-11-1829 minPurpose Driven FinancesGreen Shoots, Real Questions and How to Navigate What’s NextGreen Shoots, Real Questions & How to Navigate What’s Next
Short-term optimism is appearing in the markets — but how do you separate a temporary breather from a real trend? And what questions should investors be asking right now? Allan Malina breaks it all down with a disciplined, purpose-driven approach.
📅 Aired April 26, 2025
In this episode of Purpose Driven Finances, Allan opens with an update on the portfolio: both Dynamic Asset Allocation (DAA) and the Quantitative Portfolio Model (QPM) are showing early signs of strength — temporary “green shoots.” Bu...
2025-11-1829 minPurpose Driven FinancesQuad 1 Investing Strategy and Virginia Energy Policy: Financial Planning for 2026Explore how the U.S. economy is transitioning from Quad 4 to Quad 1 — and what new Virginia vehicle, energy, and emissions policies mean for families, investors, and business owners. Allan Malina connects macroeconomic conditions with real-world financial decisions in this forward-looking episode.
📅 Aired November 15, 2025
In this week’s Purpose Driven Finances, Allan Malina breaks down the critical economic transition from Quad 4 to Quad 1 and provides a forward-looking investment strategy for 2026. Learn what this shift means for equities, inflation trends, and your personal portfolio. Allan then connects this to...
2025-11-1729 minPurpose Driven FinancesVirginia Election 2025: Financial Impact on Taxes, Wages and InvestmentsVirginia Election 2025: Financial Impact on Taxes, Wages & Investments
Analyze the financial impact of the 2025 Virginia Election with Allan Malina. Learn how new VA policy shifts will affect your taxes, minimum wage, healthcare costs, and investments, viewed through the lens of the Fourth Turning economic cycle.
📅 Aired November 8, 2025
In this post-election episode of Purpose Driven Finances, Allan explains how Virginia’s new policy shifts could reshape your taxes, wages, healthcare costs, and investments—while placing them in the broader Fourth Turning cycle of econ...
2025-11-1229 minPurpose Driven FinancesWhat’s My Number? — Estate Planning Edition⚖️ What’s My Number? — Estate Planning Edition
📅 Aired November 1, 2025
In this week’s Purpose Driven Finances, Allan tackles political gridlock, shifting market sentiment, and the power of planning ahead — in both portfolios and legacies.
Segment One — Market & Portfolio Management: Political Gridlock and Market Jitters
Washington’s shutdown threat and debate over SNAP benefits ripple through the consumer economy — with $8 billion in monthly grocery spending at stake. Meanwhile, Meta’s earnings miss pressures the broader tech sector, and the Supreme Court’s review of tariff authority could resha...
2025-11-0529 minPurpose Driven FinancesWhat’s My Number? — Education Planning Edition🎓 What’s My Number? — Education Planning Edition
📅 Aired October 25, 2025
In this week’s Purpose Driven Finances, Allan connects the markets, the metals, and your family’s future — showing how economic shifts and personal planning go hand in hand.
Segment One — Market & Portfolio Management: Inflation, Quad Shift & Precious Metals
The latest CPI report shows inflation easing faster than expected — a clear shift from Quad 2 (growth + inflation rising) to Quad 1 (growth up, inflation down). Historically, that favors growth assets, technology, and small caps, while inflation hedges like gold and commodities...
2025-10-2829 minThe HOME ShowThe HOME Show: 9/11/25On this edition of The HOME Show we reflect on 9/11 and talk a little more about the Field of Honor on Graves Mill RoadAllan Malina, founder of Servus Capital Management and host of Purpose-Driven Finances dropped by to share practical advice for investors of all ages, covering how personality and risk tolerance shape investment strategies, the pitfalls of checking portfolios too often, setting realistic financial goals, avoiding common mistakes, and why diversification matters. Whether you’re new to investing or refining your approach, this conversation will help you plan with confidence and purpose.Paul Ga...
2025-09-1143 min
The MorninglineThe Morningline: Allan Malina 07/31/2025Allan Malina from Servus Capital Management joins Mari and Brian on The Morningline to talk about why the Fed chose not to lower interest rates, tariffs, why the value of the dollar keeps decreasing, what he expects for the second half of the year, and more.
2025-07-3115 min
Netarts Friends Church PodcastWhat if Your Interpretation of People & Events Is Not Always Right?Luke 12:54-13:9Our brains are incredible at recognizing patterns, reading signs, and interpreting events. Our brains figure out shortcuts. It's what makes us incredible!!! It's how we master skills. And it makes us vulnerable. In between every person and event you encounter, and whatever you say or do next, your brain is interpreting....and none of us interpret everything correctly. What does Jesus have to say about this??? Credits & Sources:Robert B. Cialdini, Tim Geddert, Eugene Peterson, Craig Keener, Bruce Malina, Richard Rohrbaugh, Kenneth Bailey, Alred Edersheim, Robert Capon, David Wenham...
2025-07-0630 minThe MorninglineThe Morningline: Allan Malina 04/04/2025Allan Malina from Servus Capital Management joins Mari and Brian on The Morningline to talk about Trump's tariffs, what he expects to see in the short and long terms, are companies going to eat the lower margins before passing it off to consumers, will there come a point where everything evens out, what people should do about their investments, and more.
2025-04-0417 minPurpose Driven FinancesImportance of a Purpose Driven LifeOriginally Aired 2/22/2025
📊 Market & Portfolio Commentary
February OPEX (Options Expiration): 2/21/25Current Outlook:Market weakness is being "pressed out"Expecting a buy-the-dip opportunityMonday's action will be telling
Macro View:
March & April: Anticipate rising economic growth and slowing inflationFebruary: Both growth and inflation expected to slowBond yields breaking down, signaling changing sentimentMarket Distraction Alert:Media noise around HKU5-CoV-2 virus in batsSame virologist as SARS-CoV-2 (Shi...
2025-03-2529 minThe HOME ShowThe HOME Show: 2/8/25We’re talking chocolate, financial preparedness, and kindness on The HOME Show!
Allan Malina with Servus Capital Management (and host of Purpose Driven Finances on WLNI) dropped in to share some knowledge on “Building for the Future” as discussed in the Early Spring issue of HOME magazine. He talked about the financial side of building your own home from thinking ahead on expenses, getting multiple quotes, and the benefits of incorporating smart technology
HOME food writer Becky Calvert joined us once again to talk about her chocolate recipes featured in HOME magazine ahead of Valentine’s Day. She...
2025-02-0842 min
Parents Who ThinkHow to Find Your Courage - Kaye Adams - SUNDAY SUPPLEMENTHaving the NERVE to do big and bold things. My guest this week is broadcaster and author, Kaye Adams. A UK household name, Kaye's known for her candour on-screen. We explore having the nerve to be transparent & open, the nerves of menopause and so much more. About my guest, Kaye Adams: Kaye is a regular panellist on ITV's Loose Women for 20 years on and off and the original anchor with Nadia Sawalha . She's bombed off Celebrity Masterchef, won Celebrity Mastermind, and was completely humiliated on Total Wipeout. Kaye presents The Kaye Adams programme on BBC R...
2021-09-1254 min
Parents Who Think#139: STILL HOT! - Danusia Malina-DerbenEvery menopause has its own story - and here's mine. In this episode I share a part of my own journey - which was included in Kaye Adams and Vicky Allan's book STILL HOT! As Kaye and Vicky say "Let's rejoice as we step free of the menopausal closet. The menopause is not one story, but many and diverse . . . and, whatever your experience, you are not alone." My story was included alongside household names like Lorraine Kelly, Baroness Warsi, Anthea Turner, Michelle Heaton and Trinny Woodall and many more. Buy Kaye Adams & Vicky Allan's book ST...
2021-07-1416 min
Parents Who Think#120: NERVE - Kaye AdamsHaving the NERVE to do big and bold things. My guest this week is broadcaster and author, Kaye Adams. A UK household name, Kaye's known for her candour on-screen. We explore having the nerve to be transparent & open, the nerves of menopause and so much more. About my guest, Kaye Adams: Kaye is a regular panellist on ITV's Loose Women for 20 years on and off and the original anchor with Nadia Sawalha . She's bombed off Celebrity Masterchef, won Celebrity Mastermind, and was completely humiliated on Total Wipeout. Kaye presents The Kaye Adams programme on BBC R...
2021-03-0354 min
Parents Who Think#112: PLUNGE - Vicky AllanTaking the PLUNGE into life - whether that's wild swimming, big projects at work and beyond. My guest this week is Vicky Allan. We explore the power of plunging into things - as Vicky says: "If we don't do some kind of plunging we stop doing anything". Vicky's the co-author (with Kaye Adams) of Still Hot! 42 Brilliantly Honest Menopause Stories, which I contributed to. She's also a journalist, who works for The Herald and has written for many other papers and magazines. She's particularly passionate about two areas, gender and bodies, and also the climate and biodiversity crises.
2021-01-0635 min
Unlock Top Full Audiobooks in Mystery, Thriller & Horror, Legal & PoliticalTerms of Use by Scott Allan MorrisonPlease visit https://thebookvoice.com/podcasts/1/audiobook/250392 to listen full audiobooks. Title: Terms of Use Author: Scott Allan Morrison Narrator: David Colacci Format: Unabridged Audiobook Length: 12 hours 22 minutes Release date: January 1, 2016 Ratings: Ratings of Book: 4 of Total 2 Ratings of Narrator: 5 of Total 1 Genres: Legal & Political Publisher's Summary: Circles is the most popular social network in the world: vast, ubiquitous, and constantly evolving. Days before expanding into China, Circles suffers a devastating cyberattack—and a key executive is brutally murdered. As he fights to save the company he helped build, top engineer Sergio Mansour uncovers evidence of a massive conspiracy that tu...
2016-01-0103 min
Kaeno presents The Vanishing PointKaeno - The Vanishing Point Reloaded 02201. Denzo - Times Running Out (Rafael Osmo & Gordey Tsukanov Remix)
02. Artisan - Exodus (Original Mix)
03. Rafael Osmo & Gordey Tsukanov - Malina (Original Mix)
04. Matrey & Andrea Viniolla - Space Warrior (Original Mix)
05. Jamie Walker - Rojo
06. DJ T.H. - Haunting (Darren Porter Remix)
07. Mobil - Colours Of Life (Mhammed El Alami Remix)
08. Frank Waanders & Beatsole - Enlighten Me (Original Mix)
09. Fabio XB & Liuck feat. Christina Novelli - Step Into The Light (Touchstone Remix)
10. First Sight & Reiklavik - Basher (Original Mix)
11. Will Atkinson - Numb The Pain (Original Mix)
12. Allan Morrow & Allen Watts - Identity (Original Mix)
13. Fred Baker - Rebirth...
2015-03-242h 08