In this episode of Real Cash Flow, host Andrew Michael Arroyo is joined by Nick Bonner to break down today’s volatile financial markets—and reveal where smart investors are finding real opportunity.

From surging interest rates to unexpected shifts in stocks and bonds, Andrew and Nick offer timely insights on why traditional safe havens aren’t behaving as expected. They explore how commercial real estate—particularly distressed properties tied to maturing debt—may offer outsized returns for those ready to act.

The episode also covers the role of precious metals like gold and silver in turbulent times, and why diversification with hard assets can help protect against inflation and uncertainty.

Whether you're a seasoned investor or just trying to make sense of today’s market movements, this conversation will give you the clarity and direction you need to move forward confidently.

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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In this episode, host Andrew Michael Arroyo and guest Nick Bonner dive into the world of Faith Driven Investing, a movement that goes beyond profit to reflect personal values and faith. Is it possible to invest in a way that honors your beliefs while making a lasting impact?

Discover how this global phenomenon is reshaping the financial landscape, with the U.S. playing a pivotal role in leading faith-aligned investments. Learn about key organizations driving this movement, including:

• Faith Driven Investor – A platform providing resources, community engagement, and education for values-based investing.
• Christian Economic Forum – A network of business leaders collaborating on faith-centered solutions.
• Praxis – A venture-building ecosystem supporting entrepreneurs with a focus on redemptive imagination.
• Redemptive Real Estate Group – an emerging group of real estate professionals who are empowered to create spaces that reflect faith and positively impact communities.

Whether you’re an investor, entrepreneur, or someone seeking to align your finances with your beliefs, this episode offers insights and practical steps to start your Faith Driven Investing journey.

Tune in now to explore how your financial choices can serve a greater purpose!

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Are you a real estate investment professional seeking to join a public company to grow and thrive? Visit invest.aare.com to learn more.

Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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In this thought-provoking episode, host Andrew Michael Arroyo welcomes AARE Investment Director Nick Bonner to explore the transformative world of impact investing. Together, they discuss how to align financial decisions with faith, viewing investments not just as profit-driven choices but as tools for meaningful change.

Nick shares insights from his background in real estate and highlights the profound impact our financial choices can have on society and spirituality. They dive into key concepts like the two-pocket investment mentality, the power of investment capital, and concessionary investments—opportunities that prioritize purpose alongside profit.

If you're looking to integrate faith with finance and invest with greater intention, this episode is a must-listen.

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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In this episode of Real Cash Flow, host Andrew Michael Arroyo is joined by commercial real estate expert Lloyd Wertheimer to unpack the latest trends and opportunities in the industry. From the impact of the recent presidential election to Federal Reserve policy shifts, they explore how these changes are shaping the economy and driving commercial space recovery.

Lloyd dives into the post-election stock market surge and its influence on office space demand, with a spotlight on major cities like New York, Los Angeles, and San Diego, as well as growth hotspots like Texas. Discover why franchising offers a unique opportunity for cash flow by combining business ownership with strategic real estate investments.

This episode also provides actionable advice for navigating the complexities of commercial real estate investments, including tips on cap rates, interest rate trends, and key considerations for maximizing returns. Whether you're a seasoned investor or new to the field, this discussion is packed with insights to help you make confident, informed decisions.

Tune in now to gain the knowledge you need to leverage the current commercial real estate market and set yourself up for success.

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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In this episode, host Andrew Michael Arroyo and guest Jason Riehl dive into the pivotal changes unfolding in market indexes and what they could mean for your investments. With the third quarter of 2024 closed, we explore the surprising spikes in Dow Jones trading volumes, shifts in small-cap performance, and the significance of the NASDAQ's recent behavior.

Discover how these unusual patterns might signal a golden opportunity for savvy investors. Could the market be on the brink of a broader shift? Tune in for essential insights on how to navigate today’s volatile financial landscape and position your portfolio for success.

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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Welcome to Real Cash Flow, where we offer a comprehensive look at your financial portfolio. In this episode, host Andrew Michael Arroyo and financial expert Jason Riehl delve into the complexities of the yield curve's historic inversion and its transition to a positive slope—a development that could have significant economic repercussions.

We explore the Federal Reserve's recent interest rate changes and their impact on the bond market, including borrowing costs and economic growth. Discover how these financial shifts influence the Japanese yen and the commodity sector, particularly grains and energy amid ongoing inflationary pressures.

Venturing into the dynamic world of cryptocurrencies, we discuss the resurgence of Bitcoin and Ethereum, offering strategic investment insights in this volatile market. Don't miss this insightful journey into the evolving financial landscape, packed with actionable information to help you navigate today's dynamic economy.

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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Are you a real estate investment professional seeking to join a public company to grow and thrive? Visit invest.aare.com to learn more.

Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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In this episode of Real Cash Flow, host Andrew Michael Arroyo explores the intense pressures of the real estate industry with co-host Gary Giffin, a seasoned professional. Together, they delve into the origins of stress and share practical methods for relief, including the power of prayer, effective time management, and pursuing activities you love. Gary also highlights the importance of mentors, the rejuvenating effects of nature, and the fulfillment found in volunteering. Tune in for an inspiring discussion on achieving balance and peace in both your professional and personal life.

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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References

TNX (10-Year Treasury Note)

TYX (30-Year Treasury Bond)

FHA (Federal Housing Administration)

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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EFT Tickers

COPX - Global X Copper Miners ETF

SILV - SilverCrest Metals Inc

SCCO - Southern Copper Corp

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Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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Are you a real estate investment professional seeking to join a public company to grow and thrive? Visit invest.aare.com to learn more.

Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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Key Highlights:

Dow Jones: Reaching new highs despite geopolitical and economic risks, with strong technical indicators like MACD and RSI.

S&P 500: Discussing the significant impact of the "Magnificent Seven" stocks on the index's performance.

Nasdaq 100: Highlighting its growth and volatility, with technical indicators suggesting continued upward momentum.

Russell 2000: Examining why small-cap stocks have lagged and their potential for future growth.

Actionable Advice:

ETFs for a Balanced Portfolio: We recommend four ETFs to build a solid foundation for your portfolio: DIA (Dow Jones), SPY (S&P 500), QQQ (Nasdaq), and IWM (Russell 2000). These ETFs provide a diversified approach to capitalize on different economic cycles.

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Thank You to Our Sponsors

Are you a real estate investment professional seeking to join a public company to grow and thrive? Visit invest.aare.com to learn more.

Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

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Discover the intricacies of real estate investing as our host provides a 360-degree view of what's hot and what's not across all asset classes. Learn about the sectors that are sizzling and those that are fizzling out. The conversation also takes a deep dive into commercial real estate valuation in light of rising interest rates, and the strategies savvy investors can employ to capitalize on market opportunities.

With a blend of market expertise and practical advice, this episode is a must-listen for anyone looking to navigate the complex terrain of real estate investment and optimize their portfolio in uncertain times.

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Thank You to Our Sponsors

Are you a real estate investment professional seeking to join a public company to grow and thrive? Visit invest.aare.com to learn more.

Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

Hosted on Acast. See acast.com/privacy for more information.

Host: Andrew Michael Arroyo

Co-Hosts: Gary Giffin, Jason Riehl

Show notes and resources:

World-class financial charting software:

stockcharts.com

Online precious metal dealers for physical bullion:

apmex.com

jmbullion.com

Metals & Miner ETFs to consider:

GLD

SLV

XME

GDX

GDXJ

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Thank You to Our Sponsors

Are you a real estate investment professional seeking to join a public company to grow and thrive? Visit invest.aare.com to learn more.

Andrew Arroyo is a registered investment advisor and holds a Series 65 license (CRD #5748201) with Andrew Arroyo Investments, LLC (CRD# 152691) in the State of California.

Disclaimer:

The information provided in this podcast (“Real Cash Flow”) is for general informational purposes only and should not be considered financial advice. The content shared on this podcast, including any links or resources, is based on personal opinions and experiences and should not be relied upon as professional financial, tax, or legal advice. Before making any investment decisions, we strongly recommend that you consult with your own financial advisor, tax professional, or legal counsel. Every individual’s financial situation is unique, and you should seek advice tailored to your specific circumstances. The hosts, guests, and creators of this podcast are not responsible for any investment decisions made based on the information provided.

Hosted on Acast. See acast.com/privacy for more information.