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Come Along and Gain Steady Insights

Join hosts Peter Golotko and Michael Riskin from CPS Investment Advisors as they guide you on the Steady Insights podcast. In this show, they break down complex financial topics, offering practical advice on everything from navigating the economy and planning your 401(k) to understanding divorce law and estate planning.

Whether you’re building wealth, protecting your assets, or preparing for retirement, this podcast delivers insights to help you achieve financial freedom. Tune in to the Steady Insights podcast to gain the knowledge and tools you need to take control of your financial future.

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Markets continue to climb, interest rates have surprised investors, election season is in full swing, and AI remains one of the most talked-about investment themes in the world. But what actually matters to your financial plan? In this Q4 Market Update, Michael Riskin, Peter Golotko, and Patrick Gauthier break down the biggest stories shaping investor conversations today. Along the way, they discuss what has changed since July, where expectations missed the mark, and why long-term investors should be careful not to confuse headlines with actionable financial decisions. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 32:06 Q3 2026 | Market Update

Q3 2026 | Market Update

Markets continue to climb, interest rates have surprised investors, election season is in full swing, and AI remains one of the most talked-about investment themes in the world. But what actually matters to your financial plan?

In this Q4 Market Update, Michael Riskin, Peter Golotko, and Patrick Gauthier break down the biggest stories shaping investor conversations today. Along the way, they discuss what has changed since July, where expectations missed the mark, and why long-term investors should be careful not to confuse headlines with actionable financial decisions.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

Estate planning isn't simply "set it and forget it." In this episode of Steady Insights, Mike Riskin and Peter Golotko welcome back guest Derek Oxford, an Accredited Estate Planner (AEP®), for a candid conversation about the importance of estate planning and why your estate planning documents need regular attention — not just a drawer to collect dust. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 27:27 Wills, Trusts, & Avoiding Probate

Wills, Trusts, & Avoiding Probate

Estate planning isn't simply "set it and forget it." In this episode of Steady Insights, Mike Riskin and Peter Golotko welcome back guest Derek Oxford, an Accredited Estate Planner (AEP®), for a candid conversation about the importance of estate planning and why your estate planning documents need regular attention — not just a drawer to collect dust.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

Every time gas prices spike, the blame game starts — but how much do politicians actually control? Economist Dr. Joseph Connors of Florida Southern College joins Mike Riskin and Peter Golotko to break down what drives gas prices, why oil is a global market, and how the Iran War affects the price you pay at the pump. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 30:33 The Economics of Oil: Inflation, Investing & Global Events | ft. Dr. Joseph Connors

The Economics of Oil: Inflation, Investing & Global Events | ft. Dr. Joseph Connors

Every time gas prices spike, the blame game starts — but how much do politicians actually control? Economist Dr. Joseph Connors of Florida Southern College joins Mike Riskin and Peter Golotko to break down what drives gas prices, why oil is a global market, and how the Iran War affects the price you pay at the pump.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

Most people see the success, but not the setbacks it took to get there. In this episode of The Road to Financial Independence, we sat down with entrepreneur Kris Dehnert, founder of Dugout Mugs, to break down what it really takes to build a business from the ground up. From early hustle and multiple failed ventures to losing money and nearly losing everything, Kris shares the turning points that led to building a $60M company. This conversation goes beyond surface-level advice and dives into the reality of entrepreneurship—risk, failure, growth, and the mindset required to keep going. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 32:56 He Lost Everything…Then Built a $60 Million Dollar Business | Dugout Mugs Story

He Lost Everything…Then Built a $60 Million Dollar Business | Dugout Mugs Story

Most people see the success, but not the setbacks it took to get there.

In this episode of The Road to Financial Independence, we sat down with entrepreneur Kris Dehnert, founder of Dugout Mugs, to break down what it really takes to build a business from the ground up.

From early hustle and multiple failed ventures to losing money and nearly losing everything, Kris shares the turning points that led to building a $60M company. This conversation goes beyond surface-level advice and dives into the reality of entrepreneurship—risk, failure, growth, and the mindset required to keep going.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

In this Quarterly Market Update, we welcome our Chief Investment Officer, Patrick Gauthier, to the show to break down several of the biggest topics shaping markets and the economy today. From rising oil prices and Federal Reserve uncertainty to artificial intelligence, consumer spending trends, and long-term portfolio strategy, this update has all the details to know for this upcoming quarter. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 40:14 July Market Update: Oil, AI, Valuations & The Economy

July Market Update: Oil, AI, Valuations & The Economy

In this Quarterly Market Update, we welcome our Chief Investment Officer, Patrick Gauthier, to the show to break down several of the biggest topics shaping markets and the economy today. From rising oil prices and Federal Reserve uncertainty to artificial intelligence, consumer spending trends, and long-term portfolio strategy, this update has all the details to know for this upcoming quarter.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko break down one of the most powerful concepts in investing — the Rule of 72. They walk through how your money actually grows, why compounding is the real game-changer, and what most people get wrong about timing the market, risk, and returns. If you’ve ever wondered how to turn $1M into $2M—or how long it takes to get there—this episode makes it simple. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 32:35 How Money Grows | Rule of 72

How Money Grows | Rule of 72

This video is private.

Graduation is exciting — but stepping into adulthood, a first job, or a new career path can also feel overwhelming. In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko discuss what high school and college graduates should think about as they begin their next chapter. From understanding workplace benefits and health insurance to starting a 401(k), building an emergency fund, managing spending, and keeping housing costs low, this conversation breaks down practical steps young adults can take early. Start early. Stay patient. Live below your means. Stay steady as you grow. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 24:39 You Graduated! Now What? Financial Moves for Life After School

You Graduated! Now What? Financial Moves for Life After School

Graduation is exciting — but stepping into adulthood, a first job, or a new career path can also feel overwhelming.

In this episode of The Road to Financial Independence, Mike Riskin and Peter Golotko discuss what high school and college graduates should think about as they begin their next chapter. From understanding workplace benefits and health insurance to starting a 401(k), building an emergency fund, managing spending, and keeping housing costs low, this conversation breaks down practical steps young adults can take early.

Start early. Stay patient. Live below your means. Stay steady as you grow.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

In this episode, we break down what’s really driving recent market volatility—and why it may not be as bad as it feels. From rising oil prices and global conflict to the reality behind AI stocks and investor behavior, we cut through the noise and focus on what actually matters. More importantly, we talk about what smart investors do in moments like this—and why market downturns can create real opportunities. If you’ve been feeling uncertain about where things are headed, this is the perspective you need. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 26:03 April Market Update: War, Oil Prices & What’s Moving the Market

April Market Update: War, Oil Prices & What’s Moving the Market

In this episode, we break down what’s really driving recent market volatility—and why it may not be as bad as it feels. From rising oil prices and global conflict to the reality behind AI stocks and investor behavior, we cut through the noise and focus on what actually matters.
More importantly, we talk about what smart investors do in moments like this—and why market downturns can create real opportunities. If you’ve been feeling uncertain about where things are headed, this is the perspective you need.

**The information provided in this podcast is for informational and educational purposes only and
should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov.

Wealth isn’t built overnight — it’s built on consistent habits. In this episode, Mike and Pete take a closer look at The Fifteen Decrees of a Millionaire, exploring how each decree plays a part in shaping a clear, disciplined path toward financial independence. Tune in for insight, strategy, and motivation to strengthen your own financial roadmap. **The information provided in this podcast is for informational and educational purposes only and should not be construed as investment, legal, or tax advice. CPS Investment Advisors is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Registration does not imply any level of skill or training. The opinions expressed on this podcast are those of the host and guests and do not necessarily reflect the views of CPS Investment Advisors. The information discussed is believed to be accurate at the time of recording but may not remain current. Listeners should not consider the discussion or any information shared as a solicitation or recommendation to buy or sell any particular security or investment strategy. All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results. Before making any investment decisions, listeners should consult with a qualified professional about their individual circumstances. For additional information about CPS Investment Advisors, including our services and fees, please review our Form ADV, which is available at www.adviserinfo.sec.gov. 33:53 The Fifteen Decrees of a Millionaire: Keys to Building Wealth

The Fifteen Decrees of a Millionaire: Keys to Building Wealth

This video is private.

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