Hi, I'm Yiannis. Spotting winners before they break out is what I do best.Experience: Previously worked at Deloitte and KPMG in external/internal auditing and consulting. Education: Chartered Certified Accountant, Fellow Member of ACCA Global, with BSc and MSc degrees from U.K. business schools. Investment Style: Spotting high-potential winners before they break out, focusing on asymmetric opportunities (with at least upside potential of 2-3X outweighing the downside risk). By leveraging market inefficienci ...

Geopolitical Risk - The industry suggests that managing risk today is arguably more complex than during the Cold War [1] - The industry notes that escalation is not always a sign that something is going wrong [1]

Core Insights - The individual has extensive experience in risk management and financial analysis, with a strong educational background including an MSc in Applied Risk Management [1] - The focus areas include risk management, financial analysis, data science, and the influence of economic factors on financial markets [1] - The motivation for writing is to provide actionable insights for investors by translating complex financial data [1] Group 1 - The individual has worked in various roles across leading firms such as EY, PwC, Alpha Bank, and the National Bank of Greece [1] - Expertise includes data analysis using SQL, Python, and machine learning tools [1] - The aim is to write on topics related to risk assessment, financial modeling, and stock analysis [1] Group 2 - The approach to investing emphasizes data-driven analysis and long-term value creation [1] - The individual seeks to support informed decision-making through analysis of market trends and risk management practices [1]

Company Launch & Market Opportunity - Neptune, a private flood insurance provider, debuts on the New York Stock Exchange [1] - The IPO coincides with a government shutdown impacting the National Flood Insurance Program (NFIP), Neptune's biggest competitor, which covers 67% of the nation's flood insurance policies [2] - Neptune aims to assist the 1,300 people daily who require flood insurance for home closings [3] - Only about 4% of properties carry flood insurance, while flooding costs the nation roughly $200 million to $500 million annually [4] Technology & Underwriting - Neptune utilizes technology, including AI, for efficient underwriting, resulting in better outcomes compared to the federal government [5] - The company uses AI to assess individual properties for risk, offering tailored insurance rates [6] - Advanced technology is changing the insurance industry, impacting claims processing and risk assessment, including wildfire risk [7][8] Industry Impact & Future Trends - Insurers are using advanced technology to assess risk, potentially influencing regulators and state building codes [8] - The use of technology in insurance may change building practices nationwide [9] - Insurance deserts, where coverage is unavailable, are a growing concern [9]

Core Insights - Aon's 2025 Global Risk Management Survey reveals a significant shift in global business risks, with geopolitical volatility entering the top ten for the first time, indicating heightened concerns about market instability and regulatory changes [2][3] Group 1: Survey Findings - The survey includes responses from nearly 3,000 executives and risk professionals across 63 countries, showing a notable rise in geopolitical volatility, which increased 12 places since the 2023 survey [3] - Despite the prominence of geopolitical risks, only 14% of organizations track their exposure to the top ten risks, and just 19% utilize analytics to assess their insurance program effectiveness, highlighting a gap in proactive risk management [4] Group 2: Cybersecurity and Workforce Risks - Cybersecurity remains the top concern in Aon's rankings, with the complexity of cyber risks being unprecedented; however, only 13% of organizations have quantified their cyber exposure, leading to underinsurance and financial vulnerability [5] - Workforce-related risks have declined in the rankings, falling out of the top ten, but this does not diminish their importance as they are interconnected with other risks like cyber threats and supply chain disruptions [6][7] Group 3: Future Risk Landscape - Looking ahead to 2028, cyber risk continues to lead, while artificial intelligence and climate change have emerged in the top ten for the first time, indicating rapid changes in the risk landscape [8] - The convergence of technology, geopolitics, and environmental pressures necessitates that organizations adopt flexible strategies to enhance resilience [9] Group 4: Strategic Implications - Aon emphasizes that risks are increasingly interconnected, requiring organizations to embed resilience across all functions and view risk management as a competitive advantage rather than merely a protective measure [10]

Risk Management - No leverage while sleeping [1] - No leverage on flights [1] - Perpetual futures account should be a single-digit percentage of net worth [1] - If something looks suspicious, close the position instead of trying to be a hero [1] - Set a maximum loss allowed per day [1]

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Core Points - Hanmi Financial Corporation announced the appointment of Daniel J. Medici to its Board of Directors, effective October 1, 2025, increasing the total number of directors to twelve [1][2]. Group 1: Appointment Details - Daniel J. Medici brings extensive expertise in information technology, cybersecurity, and risk management, which are crucial for the success of community banks [2]. - Medici has been appointed to the Audit Committee, Risk, Compliance and Planning Committee of Hanmi, and the Loan and Credit Policy Committee of the Bank [2]. Group 2: Professional Background - Mr. Medici has over 30 years of experience in the IT field and served as a federal bank examiner for over 36 years, specializing in complex IT environments [3][8]. - He is recognized as an expert in information technology and cybersecurity, having worked with major financial institutions as a senior risk specialist [3]. Group 3: Company Overview - Hanmi Financial Corporation is headquartered in Los Angeles and owns Hanmi Bank, which operates 32 full-service branches and eight loan production offices across several states [4]. - The Bank specializes in real estate, commercial, SBA, and trade finance lending to small and middle-market businesses [4].

Core Insights - The discussion centers around the financial implications of creating a separate limited liability company (LLC) for leasing equipment back to existing businesses, emphasizing that there are no tax advantages to this approach [1][2]. Financial Implications - Establishing a separate LLC for leasing assets does not generate new income, as it merely involves transferring funds between owned entities, described as "moving from the front pocket to the back pocket" [2]. - Leasing equipment to oneself results in a financial wash, meaning it does not create additional revenue [2]. Risk Management - The primary benefit of setting up a separate LLC is for liability protection, which is a form of risk management [3]. - Separating assets into different entities can help mitigate damage in the event of lawsuits, as it limits exposure to liability [3]. - It is advised to keep the value of real estate within a single LLC below $10 million to avoid becoming a significant target for lawsuits [3].