Impact Wealth Holiday 2021 Issue with John Isner by Impact Wealth

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CONTENTS FEATURE

JOHN ISNER A Winner On and Off the Court By Amy Poliakoff

INVESTING ADVENT CITY BY TGI™ 20 Dreams, Myths, and Reality By Samuel Epstein

ESSENTIAL CYBERSECURITY Considerations for the UHNW Family During the Holidays and Beyond By Hayden A. Kopser

14 PROFILES

TODD RUPPERT A Visionary Impact Investor with a Passion for the Arts By Hillary Latos

JOHAN WAHLSTROM An Artist’s Artist By Christopher Dearing

OLIVIA DELL & CHELSEA TOLER Leading the Way in Next-Gen Impact Initiatives By Yvonne Beri

28 72

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54 INDIVIDUAL - GROUP - EXTENDED STAYS 7

CONTENTS 42

STYLE & FASHION

THE BLONDS Ultimate Glam By Udo Spreitzenbarth

Mixed Metallics

DUDLEY RAYBORN The Bespoke Custom Clothier for Discerning Clients

By Charles L. Barnes

By Caroline Singer

LUXURY LIVING

Reimagining a Mid Century Sanctuary LUXURY. CURATED. BESPOKE. By Caroline Singer

LAMBORGHINI HURACAN STO The Beast Throws One Last Roar By Kyle Edward

ROLLS-ROYCE GHOST BLACK BADGE Not For The Faint Of Heart By Kyle Edward

EVENTS

Impact Wealth Celebrates Our Fall Issue During the Ft. Lauderdale International Boat Show By Hillary Latos

34 8

72 56

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EDITOR’S NOTE Goodbye 2021, Hello 2022!

As we emerged from a lockdown and the world began to open up again, 2021 made us look within to see what was truly important to us. As we put the year behind us, the pandemic has forced us to reassess our values and see what we don’t need in our lives and what truly makes us happy. We have so much to be grateful for with so much to look forward to. For this issue, we are thrilled to have John Isner as our cover star. As an athlete, tennis star, and dedicated father, his road to fame has not been easy, and everyday he is faced with a new challenge of staying at the top of his game. In our exclusive and poignant interview, Isner discusses his triumphant wins, as well as his losses, but what is really important to him is not winning or losing but having the love of his family. In our opinion, he is a true winner on and off the courts. We also spoke to the impressive Todd Ruppert, the former CEO of T. Rowe Price turned serial investor. What he looks for in founders and entrepreneurs is the 4 Hs- hungry, humble, honest and with heart, which he seems to embody himself. As an advisor, board member and investor to numerous startups, he has an innate talent to spot the next big thing, whether its technology, an entertainment asset, or simply an idea, and turn it into a lucrative venture. With the holidays in mind, our fashion editorial Ultimate Glam, captured the glamorous essence of The Blonds showstopping collection that was beautifully shot by Udo Spreitzenbarth. Shimmery and luminescent holiday beauty was captured through the lens of Charles Barnes in our Mixed Metallics beauty spread. In 2022, get ready to hit the road in style as our Transportation Editor Kyle Edward highlights the joy of driving in the racy new Lamborghini Huracan STO that was built for speed and the uber luxurious Rolls Royce Ghost Badge. While the world may never be the same, we cannot change the past, but we can reshape the future and learn from our mistakes to make 2022 even better.

Hillary Latos Editor in Chief hillary@impactwealthmagazine.com

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Creating Wealth. Creating Impact. HOLIDAY 2021

Hillary Latos EDITOR IN CHIEF

Candice Beaumont MANAGING EDITOR

Emil Pavlov ART DIRECTOR

Charles Barnes, Udo Spreitzenbarth CONTRIBUTING PHOTOGRAPHERS

Kyle Edward TRANSPORTATION EDITOR

Yvonne Beri, Christopher Dearing, Samuel Epstein, Hayden Kopser, Amy Poliakoff, Carolyn Singer CONTRIBUTING WRITERS

Kerrie Lynn Irish COPY EDITOR

Angela Gorman, Adam Weiss PUBLISHERS

Martin Weiss ASSOCIATE PUBLISHER

Colin Thompson DIRECTOR OF SPONSORSHIP

Cover photo by Ryan Pierse/ATP Tour Impact Wealth Media LLC 222 Broadway, 18th Floor New York, NY 212 542 3146 www.impactwealth.org info@impactwealth.org Impact Wealth Magazine is published quarterly. Copyright 2020 by Impact Wealth Media. All rights reserved. Reproduction of any material from this issue is expressly forbidden without permission of the publisher. Unsolicited manuscripts and photographs are welcome on an exclusive basis, but Impact Wealth Magazine cannot be responsible for unsolicited materials submitted. Printed in the U.S.A. 12

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FEATURE

JOHN ISNER A Winner On and Off the Court

When you think of dedicated athletes, John Isner comes to mind. Once ranked the number eight tennis player in the world with 16 career titles under his belt, Isner is a legend on and off the court. His commitment to tennis, philanthropy, and family has solidified him as one of today’s superstars in the sports community. On December 5th, Isner will accept the World Hospitality Award at the 2021 American Group Travel Awards gala at the Nobu Hotel in South Beach Miami. HotelPlanner, a leading group and individual travel technology platform, created the American Group Travel Awards gala to honor the best in group travel, and all net proceeds will benefit St. Jude Children’s Research Hospital. “Reimagining Group Travel” will be this year’s gala theme to honor group travel planners in the ever-changing post pandemic era. Impact Wealth Magazine sat down with Isner to discuss his acceptance of the award, along with his latest ventures on and off the court. By Amy Poliakoff

FEATURE

Q: What are you most looking forward to and what does it mean to you to be accepting the World Hospitality Award at the 2021 American Group Travel Awards in Miami on Dec. 5th? A: It's a super amazing honor for me. And a year ago, I never would have envisioned myself as the recipient, but I've been lucky enough to create a relationship with Tim Hentschel, the CEO of HotelPlanner. It's a great opportunity for me to get down there and I'm very excited to be a part of it. Q: How did you get involved with HotelPlanner as a Brand and Hospitality Ambassador? A: Tim Hentschel, the CEO and avid tennis fan, connected with me on Twitter and we struck up a relationship. We created this cool campaign where his company gives out $100 for each ace I hit along with hotel vouchers to people that play along with us on Twitter, Instagram and Facebook. The hope is that I eventually break the all-time record for career aces. And if that happens, one lucky person will get $10,000 in hotel vouchers, which is a great opportunity to reward my fans.

Q: What are you most proud of with the Isner Family Foundation and its commitment to cancer treatment efforts? A: When I moved to Dallas and got settled here with my wife and three children, I've gotten to know a lot of great people and got my name out and started the Isner Family Foundation in February 2020. Due to the pandemic, we had to pause many of the events we were planning but now we are back up and running. This is something that I'm looking forward to doing while I'm still playing. When I'm not playing professional tennis, we have a great partnership with the Children's Hospital in Dallas and will help many children with their cancer treatments. Q: What was something you learned in both the challenges of winning and losing on the tennis court? A: One thing I've learned throughout my whole life, and especially in my professional career, is that the losses really do hurt a lot, and I wish sometimes that I could get some of the matches back and replay them. There have been many sleepless nights in my career where I have been in a weird country

far away from home and I lost a match that day that I felt like I should have won and it’s very difficult to swallow. But on the flip side of that, I've had great results and great wins. I think I've definitely matured and maybe it's helped a little bit but it's a tough line, one that I wouldn't trade for anything. Q: Is there any particular win or loss that has really caused you to grow or is memorable? A: The match I lost in the semi finals at Wimbledon was a long five set match. I was inches away from making the finals of Wimbledon to give myself a chance to win a Grand Slam. I fell short there, but I was proud of how I competed. I've had a lot of good wins as well. The Miami 2018 win sticks out to me as it was a very big tournament full of all the best players in the world and I emerged victorious at the end. Q: Who have been the most influential individuals in your life and why? A: I grew up with two incredible parents that encouraged me to play tennis and go after what I wanted to do. They encouraged me to work and train hard while balancing my

This is an individual sport, you're a Gladiator on that court, all by yourself. If you're not having your best day, you're probably going to lose and you don't have other teammates on the court to hide what you're feeling out there. studies as well. My mom was the one that was schlepping me around to towns in Georgia and Arkansas to compete in junior tennis, increase my ranking and get on the college radars. My mom almost lost her life to cancer when I was a freshman in college. Luckily, she was able to persevere and is an amazing inspiration to me, because no matter what I do on the tennis court, it pales in comparison to what she went through fighting for her life, and she will always be my hero forever. Coach Manny Diaz at the University of Georgia was also a huge help to me, because I didn't have pro aspirations until my junior year of college, and he pushed me each and every day. In college, I learned how to be professional and take care of myself the right way, which in the long run adds up to be a lot. I've been very fortunate to have a lot of great people on my side. Q: These days we are starting to hear a lot about the mental aspect of the game. There was the Mardy Fish documentary that discusses his issues with mental health issues and there is Naomi Osaka. I understand in tennis there is a lot of pressure. What makes competing on the professional circuit that much more taxing and how have you been able to cope with the increased pressure? A: It's very, very hard. This is an individual sport, you're a Gladiator on that court, all by yourself. If you're not having your best day, you're probably going to lose and you don't have other teammates on the court to hide what you're feeling out there. All eyes are on you when you're on the court, from people on the street and the stadium to people on TV, and there’s nowhere to hide. People cope with pressure in many different ways, and it has taken a toll on me too, and there have

been some times where I've been super down on myself. You have to pick yourself back up as best as you can and truly believe that there are going to be some better days ahead. I have gone on three, four, or five match losing streaks, and you just really feel down in the dumps and you're worried about your ranking dropping while constantly trying to stay ahead of the curve on the professional tour. It’s as taxing physically as it is taxing mentally. Q: What are your mental tactics for staying in control when competing? A: Over the years, there's been so many times where I've just quite simply cracked under the pressure. I think the most important thing is knowing that there's absolutely nothing to be ashamed of about losing and cracking under pressure. But I realize that no matter how well I compete, I can't really control the result of the match. I have to put the best version of myself out there on the court and hope and trust that it's going to be good enough. But if it's not, that's okay. Q: Did you always want to be a tennis player or were there any other passions you had in life that would have led you in a different direction? A: No, I did not always want to be a tennis player. I'm almost seven feet tall and basketball was a huge part of my life until I was about 14 or 15 years old. I was a pretty good basketball player as well as a tennis player, but I had to choose one sport. I didn't really have professional aspirations until I was a junior in college. I always thought that after college I would break into sports journalism whether it's hockey, football, basketball, baseball, that is my passion.

Q: What was the x factor for you in college to take tennis to the next level? A: During my freshman year at the University of Georgia, I hurt my back, which kept me out for a few months and I missed a lot of matches and did not play 100% letting my team down. I told myself that I did not want that to ever happen again, and I flipped the switch. A lot of it had to do with what my mom was going through. After my freshman year, I became very focused and dedicated to my craft. I rarely ever take a complete day off where I don't exercise or try to improve myself in some way, and that's what I've been doing ever since, which has served me very well. Q: Do you think the sport of tennis is losing its best athletes to other sports? As you said basketball might have been an option for you. What are your thoughts? A: Absolutely, I think there has to be a way to get the stigma off of tennis that it's a country club, elite sport. It has to be more accessible to more kids around the country. Many kids growing up are not dreaming to be professional tennis players, but NBA, NFL, or baseball players, and tennis in America is falling behind in that regard. It’s just about getting rackets in the hands of kids at a very young age in America. One of the reasons why you're seeing the Europeans dominate in tennis, is because tennis is the second most popular sport in Europe behind soccer. I don’t think we will get back to the days of the 1980s or 90s, where you have five Americans in the top 10 in the world rankings, but I think we can get back to a better place than we have been in the last 10 years.

Q: What do you feel is the trick to serving the perfect ace? A: Being my height does help, but my serve is something I've always worked on. It will always be my best shot but there's a lot that goes into it and a lot of repetitions. My service motion in my opinion is one of the best there is and I have a very natural service motion which has been a very big boom for my career. Q: When you step on the tennis court what goes through your mind initially? A: Nowadays I have a pretty good perspective on things, I think maybe now I take to the court with a lot more appreciation because tennis for my life is certainly secondary. Whereas 10 years ago, it wasn't. The most important thing I have going for me is my family, which is my main focus all the time and also a huge blessing. I try to remind myself of that each and every time I take the court and tell myself that this is not life or death, win or lose, everything will be alright, and I think that that's helped me. Win or lose, I have an amazing wife and three amazing kids at home, and that's what I can always come home to. I'm very blessed to be in the position that I'm in right now. Q: A lot of people want to know, what was it like handling the nerves in one of the longest tennis matches in history at the 2010 Wimbledon that lasted 11 hours and 5 minutes? A: Truthfully that match was a literal nightmare to play in, because it was just so physically and mentally taxing. It was brutal to be a part of and it really messed me up quite a bit afterwards. I was a wreck mentally and physically. It was an incredibly special match to be a part of, and somehow I was able to persevere in the end. I don't think it was because of my opponent giving in by any means. I was just very proud of how I competed because that was a first round match, and to come out on the right side of that match is something that I'm certainly very proud of.

You have to go out there and work at what you want to be good at and learn to sacrifice a lot of things along the way. Find out what's important to you and how much you want it and just go after it, make the tough decisions that you will have to live with.

to learn that you can't always get what you want. You have to go out there and work at what you want to be good at and learn to sacrifice a lot of things along the way. Find out what's important to you and how much you want it and just go after it, make the tough decisions that you will have to live with. Q: If you could make any changes to Junior Tennis and the development of American tennis players what would it be? A: I think there's a lot of talk about how the rankings have changed over the years in Junior Tennis and you can be rewarded for not playing. I think there should be some reform to the ranking system that could help and encourage players to play more instead of trying to protect their ranking otherwise. Q: Of all the matches you have played, who is your favorite adversary you played against? And what moment of your career did you love the most? A: Playing against Roger Federer has been the coolest because when you see your name on the schedule you know you're going to be on the big court which will be absolutely packed. It is also an incredible opportunity to go out there and try to be the greatest player of all time. I played him 12 times, and was able to beat him twice. The moment when you step on the court against Federer, it's just a little bit different.

Q: What are some of the life lessons that tennis has taught you?

Q: Congratulations on the birth of your third child this past week. What has fatherhood taught you?

A: There are a lot of things that I sacrificed in junior tennis, but it is an important life lesson

A: Fatherhood has been amazing, it can be very exhausting when you have a three and

a two-year-old with a new newborn running around, but I wouldn't change it for anything. My wife and I realize how lucky we are to have this family and we want to raise them in the best way possible. Q; Do you want your kids to be involved with tennis? A: I would love for my kids to be involved with tennis, especially my daughter. I think women’s tennis can open up a lot of great avenues. I would encourage them to follow their passions, whether it's other sports, music, or whatever it is. Sports have always been a massive part of my life, but we will see what my kids gravitate towards, and I'm going to be their number one fan. Q: Of all the places you have traveled to for tennis what has been your favorite place? A: Australia was so cool, but as I've gotten older, I've gained a huge appreciation for Europe. Initially, I didn't really love traveling to Europe, but I just played a number of tournaments in Vienna, and I just find that city so special and steeped in history. It is just amazing weather to walk this beautiful city in and see the museums and the architecture. Q: What does the future have in store for John Isner? A: I'm still playing and my rankings are still high. I played a very limited schedule this year, but the tournaments I did play, I played very well. My next event is the Davis Cup, which will be in Europe. And then after that I might be looking forward to playing in the Australian Open in January.

INVESTING

ADVENT CITY ™ BY TGI dreams, myths, and reality By Samuel Epstein

While the rest of the world is still getting used to the idea of the “smart” city and smart home, ADVENT CITY by TGI GROUP is already moving on to the next step: the “smart, intelligent, completely sustainable and affordable” city. The settlement, which will have a car-free city center and homes that feature new and efficient energy sources, robotics and even automated trash pickup, won’t just be a place for its “Adventizens” to live and work- it will also help establish a “template” for other urban centers looking to reduce carbon emissions in the decades to come. TGI management seeks to reimagine how to use new technologies, energy sources and become an incubator for all available technologies to be used in its ADVENT communities. In the “smart city” model, a centralized zero emission heating-cooling system and hot water systems will keep

temperatures in check with new HVAC units. The ADVENT CITY will also be laid out to optimize wind flow and minimize heat. Beyond the climatized environment, the town will also feature a car-free town square center designed to serve pedestrians and cyclists. Outside the center, an abundance of liquid air, hydrogen, and EV charging stations will be available to drivers. There will also be lighting that adjusts itself based on the time and conditions, automated waste collection, and smart-enabled housing that will allow residents to completely control and monitor all of their home's features via a mobile app. ADVENT CITY of Yucatan, the 1st development being built by the TGI Group is in Phase 2 of construction. Boasting 700 villas and 120 garden apartments, Phase 1 consisted of roads , drainage, Cenote finishing, and master pool

erection. It is the next generation environmentally sensitive city in a high grade pristine global area to meet the increased demand of population migration from large centers, by utilizing CO2 efficient fully integrated new energy mixes in conjunction with renewable water and advanced communication. Located in the jungle area of Yucatan, this site of approximately 1,000 acres, is 35 minutes from the state's capital Merida to the northwest, the Mayan ruins to the southwest, the Gulf of Mexico beaches, and Cancun to the east. It will feature two residential areas, a resort, a water park, abundant entertainment, a commerce center, an eco-friendly light industrial operation, an ECO DOME, three restaurants, nine cenotes, a medical center for advanced treatments with doctors available from around the world, a “FOUNTAIN of Youth” anti-aging spa, along with a hotel for visitors and medical tourists, as well as and abundant greenery and multiple public gardens. All construction is replaced by replanting of over 30000 jungle foliage preserving the photosynthetic balance. Mexico Is currently constructing a major overland rail system circling the Yucatan , thus we anticipate continued high population growth in the Yucatan (7%). The Yucatan contains an extensive cave ( Cenote) network, which has provided water for Mayan communities ( 400 B.C.- 1200 A.D. ). The cenotes formed as a result of an asteroid Impact at the end of the Cretaceous. The Impact caused global mass extinction event killing a majority of plant and animal species and ended the age of the Mesozoic including dinosaurs. The water system contains a complex network of caves conforming to the Impact craters rim, and is popular for swimming and diving. TGI plans to conduct geochemical studies to monitor the water and fecal concentrations, an area of concern to the residents. There are 9 cenotes on our property, 3 of which are finished and available for use and can significantly contribute by TGI to the scientific environmental studies of the Yucatan. Renewable energy requires the development of energy conversion technologies to transform the potential energy resident in natural sources into usable energy. It is important to note that these resources are not exhaustible and they produce far less greenhouse gases and pollution. In particular, energy from sunlight and wind can be converted into electrical and mechanical kinetic energy with very little or no pollutant

byproducts. The major impact of this energy transformation model will be felt in residential and transportation markets. Over the past century, more than 80% of electricity on earth has been generated in central power plants. These traditional power plants do have one critical advantage. Unlike new renewables, these power plants can produce power at all times and this ability to produce on demand electricity can complement solar-powered plants. With the transition to electrical powered cars and the coming transportation fuel transition to electrical energy storage, the current architecture of the power distribution grid will require immense capital to upgrade for residential power on demand. Smaller and more efficient generators are coming with the objective of scaling down power plants and offering distributed generation redundancy to residential customers. Now, technologies are becoming available to complete called micro-combined heat and power (CHP). Micro-CHP generates both electricity and heat simultaneously at the size of a home. The heat meets the demand for space heating and hot water, while the electricity provides power for home appliances. Micro-CHP can attain overall efficiencies of 90% by generating both electricity and heat on demand and at the location where both are needed and valuable. This contrasts with central power plants, which produce electricity at 35% efficiency. The higher efficiency of micro CHP can help cut homeowners' energy bills by 30% and reduces their carbon footprint. Today, newer technologies such as fuel cells and thermionic energy converters can reach high efficiencies even at the scale of a single home.

New electronic devices and appliances can now be linked to the internet to provide real-time data that can be used to lower the use of energy in the home.. Ultra-Efficient heat pumps in the future will warm and cool a home with efficiencies of 30% to 40% more than current heat pump technologies. New refrigerator technologies which will use magnets to create cold by raising or lowering the temperature of the material with a changing magnetic field. Advanced

window controls can allow or block sunlight as needed and provide comfort with energy savings, next generation insulation, and roofs with materials containing specialized pigments to reflect or absorb less sunlight, as much as four times reflection thereby keeping the home cooler and LED lighting already makes significant contributions to the use of energy in the lighting of a home. In future homes, energy storage is an unavoidable asset which will optimize generation and consumption. Energy storage has evolved into a necessary required asset for the power grid infrastructure as well and energy storage is dominated by lithium - ion type batteries. Renewable energy infrastructure is leading the way in changes in power distribution to the residential population and communities. At TGI Group, the completion of our first model homes including the fully functioning micro-grid is expected in the next 6 months. Pre-construction Indication of Interests are Impressive. The most recent development near the country club 35 minutes by car from ADVENT CITY sold out to Mexican's In 90 days. The cultural, natural, and physical aspects of the Yucatan are apparent.

INVESTING

ESSENTIAL CYBERSECURITY CONSIDERATIONS for the UHNW Family During the Holidays and Beyond

With holiday activities in full swing, it is important to remain cautious of cyber criminals who seek to target families who may temporarily have their collective guard down. Everything from increased travel, making more online and inperson purchases, and hosting guests for holiday parties exposes families to a heightened risk of cyberattacks and other electronic fraud. While families must remain vigilant during the Holidays and beyond, the positive news is that many if not most cyberattacks and mishaps can be avoided completely by taking a few simple preventative actions that are outlined below. By Hayden A. Kopser

maintain public social media profiles for career purposes, it would be wise to avoid posting location-based information like restaurant visits and travel pictures until securely back home. 4. DARK WEB & SOCIAL MEDIA MONITORING Dark Web, credit, and social media monitoring are becoming essential tools for families that are seeking to stay ahead of cyberattacks, financial fraud, and dangerous social media trends. Establishing a relationship with a Cybersecurity firm that can handle these processes and report back periodically with updates is the most logical one-stop solution here. Even basic information like the discovery of private data newly appearing on the Dark Web after a corporate hack can help a family avoid potential cyberattacks and financial fraud. Online monitoring is extremely important and should be considered by all wealthy families, particularly those in the public eye. There are both pre-packaged and custom monitoring options available through many respected firms that can suit the needs of any family.

1. CYBERSECURITY TRAINING FOR FAMILY OFFICE & DOMESTIC EMPLOYEES When family office and domestic employees have access to a family’s confidential information or Wi-Fi connection while in the family’s homes, they should be treated like corporate employees and receive annual training on Cybersecurity best practices. Every internet connected device, and every individual using them, is a potential vulnerability. Employee training may seem like a simple solution for basic protection, but it is one of the most powerful tools a family can use to protect themselves, their personal data, and their reputation from attackers. Adequate training can run the gambit from web-based Cybersecurity courses to in-person meetings including the family, their staff, and Cybersecurity specialists. 2. OFFERING GUEST WI-FI AT HOME & AVOIDING PUBLIC WI-FI USE Poor Wi-Fi management and risky Wi-Fi use can easily lead to hacks and privacy intrusions. One of the most basic methods to keep home Wi-Fi secure is to have an internal sign-in and password for the family, and a separate guest Wi-Fi for domestic staff, visitors, and services providers. Having friends over for the holidays is great, but it should be done with Cybersecurity in mind. Hacking a guest Wi-Fi will typically be of limited utility to criminals but hacking the main Wi-Fi of a home can lead to a lengthy list of fraud incidents and privacy violations. When away from home and considering whether to connect to a public Wi-Fi, the safest option is always to choose not to. Not only are many public Wi-Fi offerings poorly

5. UPDATING SOFTWARE PROMPTLY AND CHANGING PASSWORDS REGULARLY

secured, but hackers have been known to set up fake public Wi-Fi's in busy areas, then trick unsuspecting users into signing in and unknowingly giving away data, like their credit card information and account passwords. There are numerous mobile hotspot options available from internet service providers, and families would be wise to purchase these better-secured devices instead of relying on public Wi-Fi. 3. SETTING SOCIAL MEDIA ACCOUNTS TO PRIVATE AND/OR WAITING TO POST Staying off social media entirely may be too great an ask for most families during the holidays. However, keeping the accounts of parents, children, and traveling domestic employees private can help to avoid both embarrassing PR scenarios as well as cluing burglars and kidnappers in on travel plans and temporary home vacancies. When a family or specific family member needs to

Keeping software on personal, Family Office, and domestic employee devices up to date is one of the simplest and most important ways to keep a family safe from cyber criminals. Software updates pushed to smart phones, tablets, and laptops are done primarily to improve device functionality and patch up software holes. It is the latter purpose that makes updating promptly each time updates become available so important. Software holes are often discovered after hacks occur, and until software is patched via an update, any exploitable issues within can be taken advantage of by cyber criminals. I recommend setting devices to automatically update whenever software updates are pushed by product developers like Apple and Microsoft. I also recommend changing all account passwords at regular intervals (every 30 - 45 days for the security-minded family). Because this can become a hassle, one of the most efficient ways to maintain and keep passwords up to date is by purchasing password automation and storage software. There are numerous well-designed products available that serve these purposes, and options can be discussed privately with any reader wishing to inquire.

PROFILE

TODD RUPPERT A Visionary Impact Investor with a Passion for the Arts

In business school, there are countless case studies about the first mover’s advantage, which in hindsight proves the theory to be true. But what you don’t learn is the how and why, and what is behind the founder’s passion and vision to put them on a trajectory for success. This ability to recognize the potential of the market opportunities and identify the future first movers is an innate talent that serial startup investor Todd Ruppert possesses. With over 40 years of experience in the financial industry, Ruppert was formerly the CEO and President of T. Rowe Price Global Investment Services, and was also a venture partner of Greenspring Associates, a $14 billion VC firm. This experience of being vested in the equity and venture side has given him the acuity to spot highly lucrative investment opportunities in a global marketplace. Ruppert’s secret to success lies in following his personal interests in various fields with numerous investments located around the globe in arts and entertainment, fintech, disruptive technologies, education, and impact investing. Here he shares his insights on some of his activities. By Hillary Latos

What are some of the areas you are invested in? FinTech is really what I grew up with and I'm an investor, advisor and board member to FinTech companies all over the globe. I'm invested in a lot of different areas, whether it's infrastructure, payments, insurance tech or roboadvisors, etc. it's across the board. I just went on the board of Rocket Dollar that just made an announcement a couple of days ago about another funding round. Rocket Dollar enables individuals to invest their self-directed IRAs in alternative investments. I’m also on. the board of Symbiont, which is a smart contracts blockchain company that works with the asset management industry. Another is Bite Investments, a technology platform providing access to a diversified selection

of alternative assets. There are many more. Over the last year I have been doing more in Africa in digital banking and open finance. I look for company founders that are intellectually gifted, have street smarts, and have the leadership qualities to turn a team’s talents into durable value for customers. I also look for founders that meet the four H’s – hungry, humble, honest, and with heart. It’s really a combination of a strong founder or founders and a large, expanding market opportunity. You are also diversified into artistic fields such as entertainment, is that more of a passion play? I really enjoy the arts and entertainment industries, and there are attractive investment opportunities. I cofounded a com-

pany in 2013 called Iconic Images where we acquire the intellectual property rights of photographers. It’s an interesting business. I'm on the board of The Fine Art Group, which is one of the largest independent art lending, brokerage, valuation, advisory and appraisal companies in the world. I'm on the board of a company called Hit Lab in Montreal, which is doing a global digital emerging artists showcase. I'm also an advisor to a private equity firm called BroadLight Capital which is working in the entertainment, technology, and consumer space. I’m also an investor in London and LA based Flawless. It’s neural network driven filmmaking that is the world’s first system that uses Artificial Intelligence to create perfectly lip-synced visualizations in multiple languages.

PROFILE

I also see significant growth in quantum computing, AI, biometric screening, genomics, cyber security, and much more. We are living in a golden age of innovation led by transformational technological advances that will impact every industry.

transformational technological advances that will impact every industry. It’s so exciting. How do you like being on the venture side versus the buy side while at T. Rowe Price? They are interlinked. T. Rowe Price is a phenomenal organization which I'm so proud and honored to have had a good career with. While they are predominantly a long only stock and bond organization, the alternative investment space is another area of great interest to me. I like being involved with startup companies and scrappy entrepreneurs. Another start up company I’m excited about is called Molten, based in Cambridge, MA. Their technology allows film and TV producers to move content and intellectual property around through the Molten system which is the nervous system that connects intellectual property on the internet. They match distributors and content producers from around the world while enabling them to outsource a lot of their back office, financing functions, and IP. In just 18 months there are more than 200 million films and TV shows on their platform, which is about 5% of all the TV shows and films ever made. I'm also on the board of the Rock and Roll Hall of Fame. And another thing that I’ve done is make three documentary movies- A Year in Champagne, A Year in Burgundy,

and A Year in Port. I'd never made a movie and I wanted to try which was a lot of fun and I learned a lot from the experience. Which sectors do you think will have the biggest growth? The global pandemic created a number of dynamics that have resulted in enormous digital acceleration and very meaningful tailwinds to disruptive, venture capital friendly sectors, such as workforce collaboration technology, tele-health, e-commerce, distance learning, e-gaming, enterprise productivity software, etc. These will continue to accelerate. I also see significant growth in quantum computing, AI, biometric screening, genomics, cyber security, and much more. We are living in a golden age of innovation led by

In addition to having been a venture partner at Greenspring, a terrific organization investing in funds, directly in companies and in secondaries of funds and companies, I’m on the board of another very fascinating venture capital firm called Antler. It has a global entrepreneurship program. This year there will be over 60,000 individuals that go through the program around the world. From that group, less than 3% are selected to enter 12 week regional programs where individuals are matched together to create companies which are then presented to regional investment committees. A small percentage get funded, and since Antler’s money is the first money in with no competition, valuations are low. Further, almost 40% have a woman as one of the founders and a significant percentage are impact oriented companies.

Do you see any like regulatory threats to any of your any of your seed investments? I’m a fan of regulation and there is clearly a lot of regulation in the financial services sector but you also need to work deliberately with the regulators. There’s a company that I'm involved with right now that is like the Robinhood of Nigeria, called Trove. It enables Nigerians a to invest outside of Africa to put money into stocks and bonds in the United States and elsewhere. The central bank is creating some issues with them because they're concerned that it's causing capital flight from the country, so we are working with the regulators. As an astute investor, are there any sectors you would avoid now? I wouldn't be buying fixed income securities. There are always going to be areas that are overvalued and undervalued, and you don't know how long that is going to last. You need to have the conviction that you're invested in companies and managements in markets that will have a positive long term trajectory. I've certainly made mistakes and a lot of people much smarter than I am have made mistakes. It’s important to be conscious of valuations, but I don't think you need to be overly overridden by valuations. If that was the case, people would not have been in the venture capital industry over the years, and a lot of money has been made over the last couple of years. What kind of impact investments are you involved with? Many of the companies that I invest in I'm actively involved in helping their management teams, such as Marco Polo Learning, which has thousands of teaching lessons for children between the ages of three and seven on a handheld device that piqued interest during the pandemic. Since its inception, I’ve also been involved with M Power Financing, which provides financing for non US citizens that are coming to the United States for education, but they can't get a loan from a bank because they don't have a FICO score. I was also an early investor and advisor to one of the first robo advisors in the UK, Nutmeg, which was just acquired by JP Morgan, as well as in Seedrs, the first crowdfunding platform in Europe. I like being involved with companies that are doing positive things

for society whether it's for humans or the environment. I'm passionate about that. Education is a mission driven impact oriented interest of mine. I'm on the board of the INSEAD business school based in Fontainebleau, France, with campuses in Abu Dhabi and Singapore. What I like about INSEAD is that no more than 10% of the incoming class can come from any one country and you have to be fluent in three languages. It's the most internationally diverse business school in the world and consistently ranked in the top five. Giving back to cancer research is important to me and my wife as we have a child who's a cancer survivor. Children are important. I'm also on the board for the International Center for Missing & Exploited Children. Finally, I’m an investor in and advisor to Switzerland based GIST Impact. We all know that investors are increasingly interested in sustainability - the positive and negative impacts companies have on society and the environment. We also know that there has been an explosion of ESG ratings. However, ESG doesn’t measure actual impact. It’s more categorization and there is so much confusion and lack of standardization and transparency. GIST’s science based and data driven approach helps companies and investors quantify and better understand the degree of a company’s positive and negative impacts on natural, human, social, and financial capital. Its methodology is scientifically robust with commonality

across all industries. GIST is the next evolution of ESG. It gets to the heart of the matter – actual, quantifiable, measurable impact. What are some of the life lessons you’ve learned during the pandemic? First, we tend to take our health for granted. We shouldn’t. Second, many people got much more consumed with their work during this pandemic, and its addictive. Since people traveled a lot less, they spent a lot more time looking inward and tried to figure out things that are important to them. For me, it made me realize that much of the travel that I did before, I didn’t need to do. I'll still be traveling, but it's not going to be to the same extent as before. Finally, it was crystalized in me that extreme events in one direction can lead to extreme events in the other direction. You must be very alert to take advantage of that. Were there any mentors that really shaped your career? Absolutely. Ed Mathias, who was one of the people running T. Rowe Price when I joined, was a tremendous mentor to me, and like me, he is also a serial investor. One of the key things he said long ago is don't focus on the inside, focus on the outside and network. You know what? He was right. Life is a contact sport and life is an improvisation, and it's amazing the things that happen if you put yourself out there.

PROFILE

For over twenty years, Swedish artist Johan Wahlstrom has used his canvas like a magnifying glass, exposing followers to the tangled fabric of raw emotion that underlies the modern world. In one of his latest works, Social Life, Wahlstrom holds that lens up to the viewer. In a series of colorless line drawings depicting huddled crowds with blank stares, Wahlstrom forces us to examine uneasy truths about our relationship with social media. Despite the drawn figures' proximity to each other, their zombie-like faces suggest that our society's love affair with cell phones will ironically lead to estrangement, NOT the community these devices seemingly promise.

JOHAN WAHLSTROM An Artist’s Artist By Christopher Dearing

One eye sees, the other feels. Paul Klee

At a time when people are looking at artists to grapple with and digest modern complexities, Wahlstrom's eagerness for political critique has inspired his contemporaries to watch and take note. Exhibitions from Davos to Miami have hung his paintings side by side with work from Andy Warhol, Gerhard Richter, Santiago Sierra, Picasso, and Salvador Dali, and others. Wahlstrom is the very definition of an artist's artist. As noted by Adam Lehrer for Forbes: "Politics have of course always filtered through art, but very seldom do artists present societal woes and the political landscape in such a refreshingly clear way as Johan Wahlstrom." And his artistic clarity can border on prescience—in 2015, well before Donald Trump secured the Republican nomination, Manhattan's Van Der Plas Gallery hosted House of Lies, Wahlstrom's Trump-filled tribute to the next four years of political discourse.

Since that exhibit, Wahlstrom's depictions of Trump have circulated widely, finding admirers on both sides of the political divide. Born in 1959, Wahlstrom's first creative track was rock and roll. He had a successful and long career as a keyboardist and singer, touring with Ian Hunter, Graham Parker, Mick Ronson and many Scandinavian artists. After 18 years, the touring life caught up with him. Wahlstrom moved to a small village in France where he did nothing but paint for seven years, part of that time under the tutelage of Swedish artist, Lennart Nystrom. Other inspirations include Paul Klee, Jean Dubuffet, and author Jack Kerouac. Currently, Wahlstrom lives in New York, NY, with a studio in Jersey City. After a lifelong fascination with the US, he probably wants to keep an eye on us now before the next political shoe drops.

PROFILE

Leading the Way in Next-Gen Impact Initiatives:

OLIVIA DELL & CHELSEA TOLER Founders of NOVA Impact

Growing up in Austin, Chelsea Toler and Olivia Dell explored the concepts of building local and global initiatives together and how they’ve made a commitment to dedicate their personal and professional careers to this work. From a small kitchen table with a handful of Next-Gen to a now robust and growing community with hundreds of partners and members, the NOVA Impact team has built a unique Next-Gen network, making waves in the impact ecosystem to create change together. By Yvonne Beri

make a real difference in the world. Each of us spent months exploring different wonderful communities such as NEXUS, 21/64, Summit, Toniic and more. We soon grew into a NextGen advisory board of 20 and hosted over 300 family offices, Angel investors/VCs, Corporate Social Responsibility team members from Fortune 500 companies, and nonprofits at our city’s first Impact and Philanthropy summit in partnership with the United Nations. Additionally, our 20 Next-Gen went through an extensive grant education process and deployed grants to several local and global organizations. The summit was held at Google and Parker Jazz Club and was one of the largest events held prior to the pandemic shutdown of Austin including the cancellation of SXSW. Why do you think Next-Gen need to be a part of the broader impact conversation? How did you get involved in the Impact Space?

Impact and serves as a really strong foundation for our Next-Gen to build upon.

Olivia: We all grow up with this sense that there are people devoting their lives to creating a more sustainable and equitable world, but we don’t necessarily know how to do just that. It wasn’t until I was exposed to incredible communities dedicated to impact like Thinking Beyond Borders, Opportunity Collaboration Conference, and Nexus that I began to understand the mechanisms of the Impact Space and my role within it. I began to piece together an ecosystem map of what’s happening in the impact space, who’s doing what, how decisions are made, and how to better navigate some of the challenges within the space.

How did you first get your start building a career in impact?

Now, I work at Falkon Ventures, a venture capital firm, where I’m exposed to the intricacies of investment decision making and what it means to be a hands-on investor. Everyday I see the unique challenges and opportunities our portfolio companies are tackling and have gained a deep understanding of the power of collaborative community to help these initiatives thrive.

What was your experience starting a family foundation as a Next-Gen?

After mapping out the different sectors and stakeholders in the Impact Space, you can begin to recognize patterns and become a better hands-on investor as you detect the ‘hacks’ and opportunities that can help investments and even philanthropic initiatives thrive. This reflection is a lot of what informs the work we do at NOVA

Chelsea: I got my start in the impact and philanthropy sector under the mentorship of Celeste Flores who sits as leadership for Giving Tuesday. I worked alongside 6 other women to run Austin’s Giving Day, Amplify Austin Day, which raised $10 Million for over 750 nonprofit organizations in 24 hours and helped start the organization’s first fund in partnership with several family foundations in the area. Additionally, I learned that power for good is possible with small but determined teams.

Chelsea: After my time at Amplify, I transitioned into starting my family’s private foundation. In researching how to get started and potential models, I decided to build my own model to address the gap in intergenerational philanthropic and impact education for Next-Gen (defined as either inheritors or those involved in the impact ecosystem under 40). I wanted to show what Next-Gen were capable of, but also to provide them with a unique opportunity to work on global initiatives and to deploy capital amongst their peers with the support of non-kin mentorship. We started as Next-Gen sitting around my kitchen table brainstorming what we could do together to

Chelsea: At the beginning of the pandemic, Olivia and I began to reflect on what Next-Gen could do to really make a difference as well as how we could continue to align all forms of our capital with our values and social good during the pandemic. We knew Next-Gen with incredible stories of service, altruism, and creativity transcending traditional systems of collaboration across sectors to solve timely problems during the pandemic, but did not see these stories being shared with the world. We brought a few examples to the Giving Tuesday leadership team who then entrusted Olivia and me to run the first ever Next-Gen Global Campaign for Giving Tuesday in which we were able to raise over $1.2 million dollars and logged over 1 million Next-Gen acts of generosity around the globe. After this initiative, Olivia and I decided to formalize our work with the founding of NOVA Impact, which is more than just an impact-driven organization, it is a community dedicating their personal and professional lives to creating change together. Olivia and I are honored to have helped deploy over $50 million towards social good thus far and don’t see any slowing down in the future. How did NOVA Impact begin? Olivia: NOVA Impact is a private, intergenerational community of investors, philanthropists, and entrepreneurs dedicated to supporting impact-driven initiatives. At NOVA, we host a private community in which

PROFILE

our members come to ask questions, share opportunities, and to learn from each other and the communtiy of experts we bring in to share their work and experiences. We cover everything from what the impact ecosystem looks like, key vocabulary, how capital flows within the space, and provide our members with a community of peers to help navigate the often confusing space, and to help them plug into impact-driven initiatives in and outside of the NOVA Community. As Next-Gen, we know that there is a lot of scattered information about the Impact Space and a lack of clarity in terms of how to plug in and build expertise. We’re not alone in our thesis that giving Next-Gen the opportunity to engage in the Impact Space even before they step into roles of actively managing financial capital and creates better outcomes in the long-term and built NOVA Impact to facilitate just that. Do you only work with Next-Gen inheritors? Chelsea: While we have a Next-Gen focus, our community is intergenerational. We know that creating sustainable impact initiatives requires bringing a diversity of perspectives into the impact conversation and our community reflects that. Mapping out a collective impact ecosystem has been hugely impactful in helping our Next-Gen take the next step in their impact journeys 32

and can provide a lot of clarity and access to mentors in the process of becoming better stewards of capital, financial and otherwise. Most of the individuals within our community are Next-Gen inheritors although more recently we have started running bootcamps for Next-Gen founders and those looking to build or transition their careers in impact. We’ve built a process to bring together players at all levels of the ecosystem, bringing together groups like start-up founders to family offices to VCs to University Philanthropy Center leaders for potential partnership and/or support. How has your research and PhD work contributed to your work with NOVA Impact? Chelsea: Another important aspect of the origin story of NOVA Impact came out of an initial interest in my dissertation topic: “Next Gens & The Greatest Wealth Transfer: Moving Various Forms of Capital Into Impact.” In learning that over 80% of family offices break down within 3 generations, I began to explore what could prevent these breakdowns and contribute to Next-Gen successes in stepping into leadership roles. As a result, Olivia and I worked to ensure that NOVA Impact provides Next-Gen with a peer network, mentorship outside of their families, and a safe space to practice moving various forms of capital towards social good. We believe that peer groups, mentorship, and capital practice set Next-Gen up for changing the historical data around failures

to lead effectively and wanted to create a solution to support this. NOVA Impact is NextGen-led and seeks to provide these resources from a perspective that Next-Gen can relate to. After completing a cohort or bootcamp, participants receive an invitation to join our private community where members get access to our private in-person and virtual events, projects, networks, and content. WHAT'S NEXT FOR NOVA? Chelsea: There’s a lot on the horizon for the NOVA Community. We’ve been able to partner with some incredible organizations including FYLI, The United Nations Sustainable Development Solutions Network for Youth Venture Philanthropy Fund, Social Venture Partners Austin, and many more to continue to bring new projects and opportunities to our community. We’re running a few exciting upcoming events at Art Basel, South by Southwest in our home city of Austin, and many more. We recently wrapped up an incredible event in The Hamptons in partnership with FYLI to bring a diversity of perspectives and backgrounds together in such a historically monogamous place. Ultimately, we are thrilled to have the opportunity to support our community members in reaching their impact goals and to continue building out the support systems we know that help impact-initiatives thrive.

STYLE & FASHION

P H OTO G R A P H E D B Y U D O S P R E I T Z E N B A R T H HAIR AND MAKEUP BY TY-RON MAYES MODELS: LITA CLINE, LUKE THE GREAT (DANE) ALL OUTFITS BY THE BLONDS

STYLE & FASHION

BY CHARLES L. BARNES

Photographer: Charles L. Barnes - @charles.l.barnes Model 1: Caitlyn Watson - @caitlyn_watson with MFore Models - @mforemodels Models 2: Lambert Perkins - @lambo.perkins with MFore Models - @mforemodels MUAH: Lisa Massey - @masseyhair_dontcare Stylist: Lauren Besch - @dreamerseyegirl Backdrop: Sarah Oliphant - @oliphantstudio Retoucher: @larachrome.retouch 42

Eyes: BH cosmetics Solar Flare Pallet Face: Giorgio Armani Power Fabric 8.75 Cheek: Becca Ski Glow Face Pallet Lips: NYX Spring it On Jewelry: Stylist’s Own

Eyes: Beauty Bakerie Proof is in the Puddin Pallet, BH Cosmetics Solar Flare Pallet Face: Giorgio Armani Power Fabric 8.75 Cheek: Glo Minerals Rush Lips: Too Faced Naughty by Nature Jewelry: Stylist’s Own

Eyes: Morphe 35C EVERYDAY CHIC pallet Lips: Charlotte Tilbury Pillow Talk, Buxom White Russian Face: Glo Minerals Tahini Cheek: Chanel Incognito, Becca Rose Quartz Jewelry: Stylist’s Own

Eyes: BH Cosmetics Solar Flare Pallet Face: Glo Minerals Tahini Foundation Cheek: Chanel Incognito Lips: L’Oréal Paris Rose Tattoo Jewelry: Stylist’s Own

Eyes: Glo Minerals Alloy Eyes Collection, Morphe 35V Stunning Vibes Pallet Face: Glo Minerals Tahini, Giorgio Armani Power Fabric 8.75 Cheek: Glo Minerals Rush and Papaya Lips: Clove + Hallow Fever, NYX Cocktail Party Jewelry: Stylist’s Own

STYLE & FASHION

DUDLEY RAYBORN The Bespoke Custom Clothier for Discerning Clients

Dudley Rayborn has been designing and providing clients with custom wardrobes for over 25 years with a combination of impeccable tailoring and the highest level of personalized service. Sir Dudley’s offers a superior wardrobe experience by carefully crafting the perfect look for an individual, it really is all about the experience! By Caroline Singer

Dudley purchased a men’s clothing store in the early 80’s where he gained knowledge as a clothier, merchandiser, and buyer. He continued to further his knowledge of the clothing industry and later branched out into custom clothing. His superior craftsmanship and unsurpassed quality is always evident in each of his exclusive designs whether made for men or women. He can create an entire wardrobe from custom suits, jackets, shirts, shoes, sports and casual wear, jeans and topcoats. When it comes to women’s garments, he specializes in handmade custom suits, trousers, and tailored shirts, taking into account variables such as body type, complexion, personality, and style when creating a custom wardrobe. After an initial appointment is set up, he will visit you in your office, your home, or if preferred, in one of his showrooms for an in-depth evaluation. Once complete, he will do a thorough measuring where the detailed process of bespoke tailoring begins. His custom-made clothing is inspired by London’s famed Savile Row and emerging fashion trends from Italy, England, France and other parts of the world. Sir Dudley has a passion for creating a personalized, unique style for each client, bespoke clothing designs and garments that are distinctive with twists of colors and patterns to the preference of the individual. The knowledge he has of lightweight or heavyweight fabrics allows him to create wardrobes for different seasons. It is the fabric choice itself that dictates the price of an outfit. Due to Rayborn’s long standing relationships with the mills he is able to access and obtain some of the most unique fabrics in the industry. With a large selection, there is definitely no shortage of options. It is the outstanding quality of these garments that really makes a difference in the wearing, pure luxury!

The difference between looking good and looking great is attention to detail!

A bespoke suit by Sir Dudley typically starts at $1,895 and his signature collection goes to $20,000. He believes that it is the attention to detail and service that makes it so easy to establish such a loyal following. We pride ourselves on providing the client with value, knowledge, and the most personalized service available. He also offers a distinguished line of accessories to complement an entire wardrobe for formal and casual needs. While anyone can put on a garment, it is accessorizing that really takes it to the next level of sartorial elegance. It is the difference between dressing and dressing well. “My goal is to create clothing that truly represents the individuality of the person for whom the garment is being designed for, taking special care in getting to know my clients so that not only does their clothing fit but the garment captures their individuality. When it comes to bespoke and custom clothing, we believe there is a difference between something of value and something that is just expensive. We are confident that dollar for dollar, stitch for stitch, our service and quality garments will deliver the best value on the market.” With his thoughtful eye for comfort yet still with the utmost focus on design, it is no wonder that the spectacular craftsmanship has caught the attention of leading luxury publications such as Forbes Magazine, South Florida Luxury Guide magazine and Impact Wealth magazine. As a luxury lifestyle brand, Sir Dudley has designed garments for high profile celebrities, athletes, executives, and entrepreneurs. His latest commissions have included world-renown tennis player John Isner, global ambassador Thaddeus Bullard (WWE Titus O'Neal), famous pop artist Ryan Cabrera, and his sixteen groomsmen for his upcoming wedding in Los Angeles, California. @sirdudleys 863-409-0907

LUXURY LIVING

Reimagining a Mid Century Sanctuary

LUXURY. CURATED. BESPOKE. By Caroline Singer

Potthast Design approaches each project with the client at the center. From the initial engagement throughout the life of the project, the measure of collective collaboration is as engaged and immersive as the client wishes. Some clients truly enjoy the design process, while others view interior design as a task to be completed. The firm believes the greatest measure of success is found in the delight of the client. They believe the core of this success is their fundamental and persistent pursuit of excellence. Potthast Design specializes in creative and distinctive design and functional space planning, with well-defined disciplines in place for implementing their project. Chelsea Potthast of Potthast Design wanted to create a resort-like milieu for her clients at their waterfront home which would embody the South Florida lifestyle, with a twist of whimsy in color and pattern. Built in 1953, the home boasted few design elements worth salvaging. The renovation and design challenge to fashion an inimitable space began with Chelsea and the clients’ immersion in sourcing finishes and items with attributes spanning various genres and decades. Chelsea's hands-on approach gives her privy access alongside outstanding architects and builders, and together producing principled projects dedicated to perfection. Their formula is a proud combination of utilizing superior materials, thoughtful architecture and design, utmost comfort, and alas, supreme and refined luxury.

Her need to create perfect form and function sought to maximize the space with perfectly scaled beautiful and sophisticated furnishings. They fashioned custom rugs and sumptuous upholstery in shades of sand, soft aquamarine and bright blue, rich print and detailed pattern. Radiant chandeliers shimmer and illuminate the space, appearing to be selected from the finest of a queen's jewelry box. Through close relationships with her loyal craftsmen and artisans, upholsterers, and suppliers, Potthast Design engineers their projects with exceptional construction finishes, striking plumbing fixtures, and innovative appliances and equipment. They hand-select and employ the highest quality materials and textiles to craft bespoke furnishings and light fixtures, curate extraordinary artwork and exceptional accessories, as well as fine linens and stunning tabletop items. A maximalist’s dream home came to fruition, sophisticated, elegant, yet fun and casual. The firm's paramount attention to every and all detail is what makes working with Potthast Design a matchless experience. Please visit Chelsea Potthast and her firm to learn more at www.PotthastDesign.com. 53

LUXURY LIVING

LAMBORGHINI HURACAN STO

The Beast Throws One Last Roar The Huracan is on its last leg. Time is a friend when spent in good company. Days go fast, hours turn into minutes, love flourishes and hate dies. Yet, when the clock strikes on the twelfth hour, the journey must end. This Italian bull is now too small to thrive in today's world full of hypercars. By Kyle Edward

The gearbox is a 7-speed DCT with short ratios. So short that the 8500rpm redline comes faster than you’d expect. It makes you shift the gears up and down quite often; after all, you didn’t come expecting to rest. Carbon ceramic brakes plant the car into the ground before the corner. They will stop the STO from 60mph in just a little over 3 seconds.

Yet, the beast hasn’t had its last roar yet. Before saying goodbye, there comes the STO, the Huracan’s way of saluting the world with two middle fingers raised up, proudly stepping out of the spotlight. SUBTLE? The Lamborghini Huracan STO is as subtle as a straight punch to the face, resulting in a stellar black eye. Living up to its Super Trofeo heritage, the STO is the utmost expression of raw power. It is a road car that only feels at home on the track. There is no more power to have out of the 5.2-liter V10. It still rests at 631bhp and 416lbs-ft of torque.

It is angry, it is raw. The sound, the brutality of the linearly inducted V10 at 8500rpm, the hardness of the suspension, the stiffness of the seats. This is a race car with number plates.

Want to go faster? The Huracan STO brings 3 drive mods. There is STO, which is supposed to be the softest of the three. It is anything but soft. However, the Trofeo takes it even further. Everything becomes so stiff that you feel like a part of the chassis. The car communicates through you. Pioggia mode is supposed to be used only in the rain. It was likely designed with the optional race semi-slicks in mind. A GRANDEUR EXIT

The steering wheel weighs down to match the speed of the car. It is obnoxiously responsive. With a quarter turn you’re switching lanes. Half a turn spin might see you taking a hard turn towards the landscape. There’s rear wheel steering as well. The STO can’t miss the apex, and it won’t.

The time is nearly up for the Huracan. But it steps into the spotlight one last time, showing how the bull only now has its final charge. It’s the ultimate experience involving brutal acceleration, laser-guided missile precision and unobstructed feeling.

Yet, the STO feels faster, more agile and sharper than any other Huracan iteration. The engineers couldn't go bigger, so they went smarter. Let’s talk numbers. The rear wing inspires fear into the hearts of bystanders and the shark fin play a major role in that number. Carbon fiber elements were boosted to 75% of the body, translating to 2952lbs total weight. That’s 88lbs below the Performante. Top speed goes to 192mph, lower than Performante’s 201mph, and the 0-60mph is 3 seconds, just a tenth slower than the Performante. IS IT FAST? There might be some gimmicky stuff on the outside, like the uber-expensive paint job or the strange amount of polystyrene around the nooks and crannies. On the track however, the Huracan doesn’t play.

LUXURY LIVING

ROLLS-ROYCE GHOST BLACK BADGE Not For The Faint Of Heart

It is highly unlikely that anyone needs explanations when it comes to the Rolls-Royce brand. We have all heard about it. We all know it’s expensive. A club for the selected elite. Rolls-Royce never built cars for volume. It has always been about being uniquely tailored to the individual. By Kyle Edward

THE GHOST The Rolls-Royce Ghost was introduced in 2010. With over a decade of building custom versions, Rolls-Royce decided to take the Ghost to the next level. Every vehicle needs customization, but what if there was an even tighter kept secret in the British luxury brand? What if there was a category reserved only for a few of the 1%? When you get to the point where you don’t even bother keeping track of your finances, everything’s a playground. And toys are big and expensive. Yet, what do you do when you still want to stand out?

The engine sports large numbers slightly upgraded from the “standard” V12, but nobody really cares about that. The humongous turbocharged V12 gives out 592 hp and 664 lb-ft of torque. Almost enough to get that yacht unstuck from the shallow waters surrounding one of your private islands. None of the RR cars feel sporty despite their supercar-grade figures. Powerful and quick, yes, but not sporty. And why would they? It’s built for luxury. You don’t get to make a bold statement by passing fast but rather by going slow enough so that everyone can stand in awe. THE STATEMENT

INTRODUCING BLACK BADGE With all-black designs, paintjobs weighing 100 lbs and some of the most expensive materials, RR Black Badge models come for those that are at the peak. Rolls-Royce markets the Ghost Black Badge as built for subversive clients. For those who built their empire and weren’t afraid to break the rules and say “screw your limits”.

The Ghost Black Badge does make a statement. Huge carbon wheels slowly turn without missing the position of the RR logo in the center. Everywhere you look, everything is dark. Chrome has been darkened, black has been taken a few tones lower on the spectrum. Even the privacy glass pushes all light away. The Ghost lives up to its name. Cold and mysterious, it wanders unbothered by its surroundings, gliding to a destination known only by itself.

The paint sitting on the chassis weighs 100 lbs on its own. The paint is first atomized then applied to electrostatic body elements, then oven dried. To keep it immaculate, two layers of clear coating are applied. Yet, the signature piano black finish isn’t there yet. To achieve it, 5 expert craftsmen hand-polish the entire surface of the car, leaving no spot unchecked. On the inside, there is a striking combination of black wood veneers, black technical fabrics. Obviously, there are no preset trims. The Black Badge lifestyle isn’t about what’s already there on offer, but rather about what one can get only for himself and no one else can match it. The 850 stars on the ceiling, visible only at night, fully compliment the philosophy. Only in a Rolls-Royce you will see the sky without seeing the sky. THE PURPOSE Overall, the Rolls-Royce Ghost Black Badge isn’t there to boast with the price. Nor to impress by engine specs. It exists as a statement for those who made it all the way to the top and desire something they can customize to fit their phantom side and drive off into the night on a journey unknown. 57

EVENTS

IMPACT WEALTH CELEBRATES OUR FALL ISSUE During the Ft. Lauderdale International Boat Show By Hillary Latos

To fete the opening of the Ft. Lauderdale International Boat Show, Impact Wealth Magazine threw a sunset cocktail party to celebrate our Fall Issue with Kevin O’Leary at a gorgeous waterfront mansion in the exclusive Bay Colony Estates. Our VIP guests were treated to a sublime pairing of Antonius Caviar with Chopin Vodka, delicious appetizers from Social Standard along with tropical cocktails from Ojo del Sol grapefruit tequila, and libations from Cupcake Wines, Stella Artois Beer and Dr. Perricone Hydrogen Water. Guests enjoyed the beautiful South Florida sunset poolside and on the Sirena yacht docked in the back – the perfect embodiment of the luxurious South Florida lifestyle. Darin Kucera provided the stunning “eye candy” artwork from Libertine Contemporary Fine Arts and a special thanks to our other sponsors Crestmont Investments, Bespoke Real Estate, LVH Global, Sergio Nicolosi and Greg Matthews, and Senada Adzem and Brian Ross from Douglas Elliman. A perfect South Florida home for indoor and outdoor entertaining with 250 feet of personal water frontage, 30 Bay Colony Land is on the market for $12.95 Million. For more information please visit: www.30baycolony.com 59

Impact Wealth Holiday 2021 Issue with John Isner

Articles inside

TODD RUPPERT A Visionary Impact Investor with a Passion for the Arts

JOHN ISNER A Winner On and Off the Court

ADVENT CITY BY TGI™ Dreams, Myths, and Reality

ESSENTIAL CYBERSECURITY Considerations for the UHNW Family During the Holidays and Beyond