John White and Chaunsy Weisensel apply the Monte Carlo Analysis to investing and rate of returns, discuss common questions clients are asking about retirement, and share estate planning mistakes to avoid.

The Retirement Clinic-10-7-23 – Will you have enough?

https://soundcloud.com/xtclvr
https://soundcloud.com/standard-deviation
🛒 https://standard-deviation.bandcamp.com/album/inverse
🔊 https://youtu.be/FzIj1OIFA8w

XTCLVR, the brainchild of Ukrainian sound artist and audio producer Artem Diachenko from Buchan near Kyiv, is set to release a new album titled 'INVERSE' on Standard Deviation. XTCLVR cinematic soundscapes have been featured in Standard Deviation’s audiovisual project 'Ridne' showcased at the CTM Festival in Berlin, ICA London and La Gaîté Lyrique in Paris. Known for his deep involvement in Kyiv's underground music scene, Artem is also a key member of the Pep Gaffe and Ejekt collectives, representing a fresh wave of Ukrainian independent artists dedicated to alternative and experimental sounds.

XTCLVR's music is characterized by deep, enveloping ambient passages and sharp synthesizer elements that often transform into hip-hop and dub bass lines. The name XTCLVR (ecstasy lover), created in 2019, humorously echoes with the techno culture.

'INVERSE' unveils a different facet of XTCLVR’s sound, with heavier and more aggressive tones. The traditional genres dissolve, and a grotesque tone draws the listener into a surreal, chimeric journeyThe album blends rich synthesizers and post-club polyrhythms with euphoric, upbeat elements, maintaining his distinctive style. Written throughout 2022-2023, the tracks on 'INVERSE' reflect a time of emotional instability and a dream-like state: is this all for real? The music features liquid sonic textures that escalate into distorted synths, fractured noisescapes, and eerie melodies. A standout track, 'FEEL ME', poses a bold inner dialogue, questioning reality itself.

'INVERSE' will be released on Standard Deviation on the 12th of July 2024.

Tracklist: 

RUFF TITLE
ALT PATH
C TRIP
SNAKES VIP
FEEL ME
SPEED SERVICE
TONAL TEARS

PREMIERE: XTCLVR - SNAKES VIP [Standard Deviation]

XTCLVR, the brainchild of Ukrainian sound artist and audio producer Artem Diachenko from Buchan near Kyiv, is set to release a new album titled 'INVERSE' on Standard Deviation. XTCLVR cinematic soundscapes have been featured in Standard Deviation’s audiovisual project 'Ridne' showcased at the CTM Festival in Berlin, ICA London and La Gaîté Lyrique in Paris. Known for his deep involvement in Kyiv's underground music scene, Artem is also a key member of the Pep Gaffe and Ejekt collectives, representing a fresh wave of Ukrainian independent artists dedicated to alternative and experimental sounds.

XTCLVR's music is characterized by deep, enveloping ambient passages and sharp synthesizer elements that often transform into hip-hop and dub bass lines. The name XTCLVR (ecstasy lover), created in 2019, humorously echoes with the techno culture.

'INVERSE' unveils a different facet of XTCLVR’s sound, with heavier and more aggressive tones. The traditional genres dissolve, and a grotesque tone draws the listener into a surreal, chimeric journeyThe album blends rich synthesizers and post-club polyrhythms with euphoric, upbeat elements, maintaining his distinctive style. Written throughout 2022-2023, the tracks on 'INVERSE' reflect a time of emotional instability and a dream-like state: is this all for real? The music features liquid sonic textures that escalate into distorted synths, fractured noisescapes, and eerie melodies. A standout track, 'FEEL ME', poses a bold inner dialogue, questioning reality itself.

'INVERSE' will be released on Standard Deviation on the 12th of July 2024.

https://soundcloud.com/xtclvr
https://soundcloud.com/standard-deviation

PREMIERE⚡️XTCLVR - RUFF TITLE [Standard Deviation]

Pre-order: https://standard-deviation.bandcamp.com/album/transitioning-practice

@standard-deviation presents a four-track EP by @nastyavogan and @phasefatale that serves as a vessel for tracing displacement, memory, and the liminality of return.

Nastya's 'Limerence Practice Mantra' explores Lacanian limerence—consciously falling for something not fully known, and filling absences with personal projections as a way to discover what lies within oneself.

More exclusive music

Premiere: Nastya Vogan 'Limerence Practice Mantra'

WhyPeopleWar Fundraiser for Ukraine: https://whypeopledance.bandcamp.com/

The Why people dance question was asked for the first time in Lithuania back in 2013 but it gained a worldwide echo in its 8 years of existence. Run by @pauliuskamblevicius with the help of @experimentsserial and a network of collaborators, the online electronic music platform and label keeps its heart open for new friends and treasure finds but its filter tight and deep underground. Tune into WPD channels on Soundcloud, YouTube and Bandcamp.

Music is the cure

Premiere requests - shapes.electric@gmail.com

With retirement just around the corner, you need a partner you can trust to help navigate the ins and outs of retirement planning.  Whether you’re looking for a final push heading into your retirement, retirement asset management and consolidation, or assistance in transferring business assets to retirement assets, our team’s focus is on helping you realize your vision.

You can listen to the Kowal Investment Group - now Creative Planning, "Retirement Clinic" podcasts, with retirement and investment planning tips and news right here on Soundcloud. **This is a previously recorded show.**

New tracks tagged #standard deviation