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Herb's Financial Sandbox

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by Pete A Turner

18 episodes

Updated Daily

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Podcast Overview

Financial decisions don't have to feel overwhelming. At Financial Sandbox, we strive to turn complexity into clarity, making alternative financial products understandable and accessible. Our focus is on providing clear and practical guidance without the heavy industry jargon. Whether you're exploring 1031 Exchange options like Delaware Statutory Trusts (DSTs), life insurance, long-term care insurance, annuities, or Real Estate Investment Trusts (REITs), we break it all down into manageable insights that empower informed choices.

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Publishing Since

1/26/2026

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Recent Episodes

July 6, 2026

Mitchell Chernock - Building Wealth, Not Chasing Riches

<p>Financial Sandbox Lessons from 40 Years in Real Estate and Lending Meet Mortgage Veteran Mitchell Chernock After more than 40 years in mortgage lending and real estate finance, Mitchell Chernock has learned that the biggest financial mistakes aren't caused by interest rates—they're caused by making decisions without a plan. In a recent conversation with Herb, Mitchell shared practical insights on wealth building, homeownership, real estate investing, and why understanding a client's long-term goals matters more than simply quoting loan rates. The discussion explored everything from investment properties, ADUs, renovation financing, and DSCR loans to Delaware Statutory Trusts (DSTs), 1031 exchanges, and the challenges facing today's buyers in a competitive housing market. One of Mitchell's strongest messages was that successful investing isn't about chasing the next hot deal—it's about creating a strategy that supports your family, your lifestyle, and your future. His advice? Don't focus on getting rich. Focus on building wealth. For Mitchell, wealth means far more than money. It means creating opportunities for future generations, making thoughtful financial decisions, and building a life centered around family, health, and purpose. Watch Herb's full conversation with Mitchell Chernock as they discuss real estate investing, mortgage lending, ADUs, 1031 exchanges, wealth building, and the lessons learned from more than four decades helping people achieve their financial goals. Mitchell Chernock is a mortgage banker, real estate finance professional, author, and poet with more than 40 years of experience in lending, construction financing, and real estate investment. A San Francisco native, he specializes in renovation loans, ADU financing, 1031 exchanges, DSTs, and financing solutions for homeowners and investors. Mitchell is also the author of Breathe for Me. ### Because investor situations and objectives vary this information is not intended to indicate suitability or a recommendation for any individual investor. The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell investments. This material is not to be interpreted as tax or legal advice. Please speak with your own tax and legal advisors for advice/guidance regarding your particular situation. Securities offered through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Insurance offered through Concorde Insurance Agency Inc. (CIA). Thornwood Financial is independent of CIA and CIA., a memoir exploring love, loss, faith, and resilience. He has been married to his wife, Durell, for 44 years and is the proud father, grandfather, and great-grandfather of a growing family. Check out Herb Alston at: herbalston-northerncalifornia.sites.cbmoxi.com linkedin.com/in/1031exchangeguru</p>

June 25, 2026

Meet Mortgage Veteran Mitchell Chernock

<p class="wp-block-paragraph">After more than 40 years in the mortgage business, Mitchell Chernock has seen just about every lending scenario imaginable—from first-time homebuyers and self-employed borrowers to complex investment property financing and DSCR loans.</p> <p class="wp-block-paragraph">In a recent conversation with Herb, Mitchell shared practical insights on navigating today's lending environment, why relationships still matter more than technology, and how creative financing solutions can help borrowers who don't fit the traditional banking mold.</p> <p class="wp-block-paragraph">The discussion explored everything from debt-service coverage ratio (DSCR) loans and non-QM financing to mortgage servicing, title insurance issues, and the challenges self-employed business owners face when trying to qualify for a loan.</p> <p class="wp-block-paragraph">But beyond lending, Mitchell emphasized a lesson that applies to every business: success is built on relationships, consistency, and taking exceptional care of people.</p> <h3 class="wp-block-heading has-text-align-center">His advice for young professionals entering the industry?</h3> <h3 class="wp-block-heading has-text-align-center">Call everyone you know, build genuine relationships, and focus on helping others before asking for business.</h3> <h2 class="wp-block-heading">About Mitchell Chernock</h2> <p class="wp-block-paragraph">For more than four decades, <a id= "https://www.linkedin.com/in/mitchell-chernock-2847656/" href= "https://www.linkedin.com/in/mitchell-chernock-2847656/" type= "link">Mitchell Chernock</a> has helped homebuyers, investors, business owners, and real estate professionals navigate the complex world of mortgage financing. As a mortgage banker with American Pacific Mortgage, Mitchell specializes in finding solutions where traditional lenders often see obstacles. His expertise spans residential lending, investment property financing, DSCR loans, non-QM programs, self-employed borrower solutions, and specialized financing strategies designed to help clients achieve their real estate goals. Along with acting as a lending strategist for his clients, Mitchell is the author of <a href= "https://breatheformemoshe.com/">Breathe For Me.</a></p> <p class= "has-text-align-center has-small-font-size wp-block-paragraph"> ###</p> <p class="has-small-font-size wp-block-paragraph">Because investor situations and objectives vary this information is not intended to indicate suitability or a recommendation for any individual investor. The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell investments. This material is not to be interpreted as tax or legal advice. Please speak with your own tax and legal advisors for advice/guidance regarding your particular situation. Securities offered through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Insurance offered through Concorde Insurance Agency Inc. (CIA). Thornwood Financial is independent of CIA and CIA.</p>

June 19, 2026

Greyson Geiler Talks Precious Metals

<p>Can Gold Do More Than Just Sit There? Most investors think of gold as something you buy, lock away, and hope you never need. But according to investor and fund manager Greyson Geiler, that view may be changing. Drawing on decades of experience that began on the Chicago trading floors, Geiler believes precious metals are evolving from a passive store of value into a productive asset capable of generating income. In a recent conversation with Herb, Geiler explained how businesses such as bullion dealers, jewelry manufacturers, and mining companies are increasingly seeking access to gold and silver as working capital. Rather than borrowing dollars to buy precious metals, they can lease or borrow the metals directly, creating opportunities for investors to earn additional ounces over time. The discussion also explored inflation, central bank buying, the future role of gold in diversified portfolios, and why Geiler believes most investors focus too much on timing markets and not enough on long-term planning. His advice? The biggest mistake in investing isn't choosing the wrong asset—it's having no plan at all. Watch Herb's full conversation with Greyson Geiler as they discuss gold, silver, portfolio diversification, monetary policy, and the emerging concept of income-producing precious metals. About Greyson Geiler Greyson Geiler is a seasoned investment strategist and wealth management expert with over two decades of experience navigating the complexities of global markets. As the Fund Manager of the GoldRush Yield Fund, Greyson stands at the forefront of alternative asset innovation, providing investors with sophisticated pathways to generate yield on physical gold and silver. ### Because investor situations and objectives vary this information is not intended to indicate suitability or a recommendation for any individual investor. The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell investments. This material is not to be interpreted as tax or legal advice. Please speak with your own tax and legal advisors for advice/guidance regarding your particular situation. Securities offered through Concorde Investment Services, LLC (CIS), member FINRA/SIPC. Insurance offered through Concorde Insurance Agency Inc. (CIA). Thornwood Financial is independent of CIA and CIA. Check out Herb Alston at: herbalston-northerncalifornia.sites.cbmoxi.com linkedin.com/in/1031exchangeguru</p>

18 total episodes available

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Frequently asked questions

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What is Herb's Financial Sandbox?: Financial decisions don't have to feel overwhelming. At Financial Sandbox, we strive to turn complexity into clarity, making alternative financial products understandable and accessible.

Our focus is on providing clear and practical guidance without the heavy industry jargon. Whether you're exploring 1031 Exchange options like Delaware Statutory Trusts (DSTs), life insurance, long-term care insurance, annuities, or Real Estate Investment Trusts (REITs), we break it all down into manageable insights that empower informed choices.
How often does this podcast release new episodes?: This podcast updates daily.
Where can I listen to this podcast?: This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
Does this podcast accept guests?: Yes, this podcast regularly features guests.

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