Grow Your Business and Grow Your Wealth: Recent Episodes
Gary Heldt
The Grow Your Business and Grow Your Wealth Podcast with Gary Heldt is the go-to place to help plan for your future. Whether you’re a business owner looking to maximize your tax profit, a parent planning for college, or an individual looking to improve your life, Gary is the expert for you.Guests on the podcast will chat with Gary and share their secrets to build a better financial foundation for your business and your life. Tune in for informative conversation about keeping your finances organized and not wasting your well-earned money.
🎙️ Welcome to the Grow Your Business & Grow Your Wealth podcast. In this episode, your host, Gary Heldt, is joined by Roy Kowarski, the founder of Out There Branding. Together, they explore the fascinating world of marketing and branding. 🌟 During their conversation, Roy shares his expertise and provides valuable insights into the art of effective branding. He emphasizes the importance of understanding your target audience and tailoring your branding efforts to resonate with them. Doing so can create a strong connection and build brand loyalty. 👉 The Power of Purpose: Roy's passion for positively impacting people's lives led him to marketing and branding. His story is a testament to the power of purpose in shaping our careers. 👉 Branding Mistakes to Avoid: We delved into common business mistakes in branding and marketing. Roy emphasized the importance of aligning promotional gifts with the interests and needs of the target audience. Remember, it's not just about giving away swag! 👉 The Art of Strategic Branding: We discussed the importance of having a clear objective when it comes to branding. Like owning a Ferrari but not knowing how to drive it, products without a strategy are worthless. 👉 Building Relationships over Transactions: Roy shared his philosophy of valuing relationships over sales. He believes in fostering meaningful connections, which he does globally, not just in Australia. This episode is a must-listen-to elevate your branding game and gain valuable insights from Roy's journey! 🎧 To connect with Roy and learn more about Out There Branding, visit their website at www.outtherebranding.com. Take advantage of the opportunity to take your branding to the next level! Learn more about your ad choices. Visit megaphone.fm/adchoices
Show: Grow Your Business & Grow Your Wealth with Gary Heldt and guest Cesar Quintero is an author, coach, mentor, and serial entrepreneur. With a passion for business and a drive for success, Cesar has built multiple successful companies and helped countless individuals achieve their goals. He is the founder of Fit to Go, a food industry company, and the author of "The Profit Recipe," a book that provides valuable insights into business fundamentals.
In this episode, Cesar shares his journey into the business world, starting with his first venture, Fit to Go, in the food industry. The conversation revolves around the challenges Cesar faced as an entrepreneur and the significance of empowering employees. Cesar also dives into the key concepts discussed in his book, "The Profit Recipe," which emphasizes the importance of returning to business basics. Topics such as building the right team, understanding one's purpose, and fostering a positive work environment are explored in depth.
Key Takeaways:
✅ Hiring the right team is crucial for the success of any business. Surround yourself with talented individuals who share your vision and values. ✅ Understanding your purpose as an entrepreneur is essential. Define your goals and align your actions with your mission to stay focused and motivated. ✅ Creating a positive work environment fosters productivity and employee satisfaction. Encourage open communication, provide growth opportunities, and recognize achievements. ✅ "The Profit Recipe" emphasizes returning to business basics. Focus on core principles such as customer satisfaction, efficient operations, and financial management. ✅ Continuous learning and personal development are critical to long-term success. Stay curious, seek knowledge, and adapt to changing market trends.
Remember to connect with Cesar Quintero and explore his book, "The Profit Recipe," for more valuable insights on growing your business and wealth. Learn more about your ad choices. Visit megaphone.fm/adchoices
Title: Grow Your Business & Grow Your Wealth Podcast with Host Gary Heldt and Guest Leslie Giscombe, the founder and CEO of the African American Entrepreneurs Association. Leslie emphasizes the significance of knowledge and information in running a successful business and sheds light on the high attrition rate of African American businesses due to a lack of resources and education. He also explains how his organization collaborates with partners to provide virtual workshops and educational programs, encouraging listeners to get involved. Additionally, Leslie touches upon the importance of adaptability, the impact of technology on small businesses, and the value of giving back to the community.
Key Takeaways:
✅ Knowledge is Key: Leslie stresses the importance of acquiring knowledge and staying informed to run a successful business. Continuous learning and seeking out resources are crucial for growth. ✅ High Attrition Rate: African American businesses face a higher attrition rate due to limited access to resources and education. Addressing this disparity and providing support to foster sustainable growth is essential. ✅ Collaborative Efforts: Leslie's organization collaborates with partners to offer virtual workshops and educational programs, creating a supportive network for African American entrepreneurs. Getting involved in such initiatives can provide valuable insights and connections. ✅ Adaptability is Key: Adaptability is crucial in today's rapidly changing business landscape. Entrepreneurs must be willing to embrace new technologies, trends, and strategies to stay ahead. ✅ Impact of Technology: Technology plays a significant role in the success of small businesses. Utilizing digital tools, social media platforms, and online marketing strategies can help entrepreneurs reach a wider audience and enhance their business operations. ✅ Giving Back: Leslie emphasizes giving back to the community. Supporting local initiatives, mentoring aspiring entrepreneurs, and fostering a sense of community can positively impact and contribute to long-term success.
Remember to tune in to the Grow Your Business & Grow Your Wealth Podcast to gain more insights from industry experts and successful entrepreneurs like Leslie Giscombe.
AAE Association, Inc. is a nonprofit organization that supports the economic development of the underserved African American community in entrepreneurship. We aim to achieve an enhanced understanding of what it will take to assist more Black-owned businesses in reaching their full potential. Website: www.aaeassociation.org Learn more about your ad choices. Visit megaphone.fm/adchoices
In episode 156 of Grow Your Business & Grow Your Wealth, host Gary Heldt sits down with Glenn Poulos, founder, vice president, and general manager of Gap Wireless Inc. With a strong background in sales, Glenn has successfully started and sold multiple businesses throughout his career. His passion for sales shines through as he emphasizes the importance of building strong customer relationships.
In this episode, Glenn shares his insights on sales and offers valuable tips for building a successful career. He discusses his book, "Never Sit in the Lobby," which provides practical advice for sales professionals.
Key Takeaways: 🟢 Building relationships with customers is crucial for sales success. 🟢 Adapting to changes in the business landscape is essential, especially during the COVID-19 pandemic. 🟢 Leadership skills play a vital role in sales. 🟢 Effective time management is critical to staying productive in sales. 🟢 Staying motivated is crucial for long-term success in sales.
Listeners can connect with Glenn through his website and LinkedIn for valuable insights and resources. Facebook: https://www.facebook.com/glenn.poulos LinkedIn: https://www.linkedin.com/in/glenn-poulos-45bab86/ X: https://twitter.com/GlennPoulos IG: https://www.instagram.com/glenn.poulos/ Book is available on Amazon: https://www.amazon.com/Never-Sit-Lobby-Winning-Business/dp/1777939135
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Ready to learn the concept of a true wealth plan and why you should align financial decisions with values and goals? On episode 155 of Grow Your Business & Grow Your Wealth, my guest is John Creekmur. John shares how his interest in finance began in high school and how a chance encounter with a local business owner changed his perspective on pursuing a career in the financial industry. They then dive into the concept of a true wealth plan, where John explains the importance of aligning financial decisions with clients' values and goals. John Creekmur founded Creekmur Wealth Advisors, a wealth management firm focused on helping people discover 'True Wealth' beyond money. With a background in accounting and finance, he holds a Master of Business Administration degree and is a Certified Financial Planner™ (CFP®). John enjoys working alongside his wife, Stacy, and they find happiness in spending time with loved ones outdoors, residing in rural Pekin, Illinois.
Key Takeaways: 🔑 John Creekmur's interest in finance began in high school and was further shaped by a chance encounter with a local business owner. 🔑 The concept of a true wealth plan emphasizes aligning financial decisions with clients' values and goals. 🔑 Focusing solely on reaching a specific number can lead to pitfalls; being intentional with financial decisions is crucial. 🔑 Intentional decision-making, collaboration with advisors, and aligning financial choices with personal goals are essential for financial success. 🔑 John Creekmur hosts the podcast "Great Decisions, Incredible Lives" and can be reached through https://creekmurwealth.com/ https://creekmurwealth.com/disclaimer/ Investment advisory services offered only by duly registered individuals through Creekmur Asset Management, LLC (CAM LLC), a Registered Investment Adviser. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. This information is for informational purposes only and shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. The opinions expressed are as of the date of publication and are subject to change without notice. CAM LLC and Gary Heldt/Small Business Advisors are not affiliated entities. Learn more about your ad choices. Visit megaphone.fm/adchoices
Discover how trademarks can be your business's ultimate armor! In this episode, host Gary Heldt interviews Andrei Mincov, founder of TrademarkFactory, who shares invaluable insights on the importance of trademarking your brand. From legal protection to building assets, find out how trademarks can help you grow your business and safeguard your dreams.
Take advantage of this empowering conversation that could transform how you approach brand protection and trademark registration!
🗝 Key takeaways include:
✅ Trademarking is essential to protect your brand and prevent potential infringement. ✅ TrademarkFactory differentiates itself by offering a unique, predictable, and guaranteed service for trademark registrations. ✅ Trademarks are essential for serious businesses to establish and protect their brands. ✅ With the rise of side hustles and new businesses, trademark registrations are increasing. ✅ The tech industry's mass layoffs may lead to more startups and businesses seeking trademark protection in the future. ✅ TrademarkFactory handles global trademark registrations by using local attorneys or agents in different jurisdictions. ✅ Andrei's experience as an entrepreneur helps him connect better with clients and understand their needs. 🗒️ Show Links:
TrademarkFactory website: https://trademarkfactory.com
TrademarkFactory YouTube channel: https://www.youtube.com/user/andrei1255
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🌱 Ready to take your business and wealth to new heights? Join host Gary Heldt on this episode of "Grow Your Business & Grow Your Wealth" as he sits down with special guest Philippe Bouissou to discuss strategies for success. 🌟
In this episode, Gary welcomes Philippe Bouissou, a seasoned entrepreneur and business strategist, to share his insights on how to grow your business and increase your wealth. Philippe brings a wealth of knowledge and experience, making this episode a must-listen for any aspiring entrepreneur or business owner. 🎙️💼
✅ One of the key takeaways from this conversation is the importance of having a clear vision for your business. Philippe emphasizes the need for entrepreneurs to define their goals and create a roadmap to achieve them. Having a clear vision can align your actions and decisions with your long-term objectives, ultimately leading to greater success. 🎯
✅ Another valuable insight shared by Philippe is the significance of building a strong team. He highlights that only a successful business can thrive with a dedicated and talented team. Philippe provides practical tips on attracting, retaining, and motivating top talent, ensuring that your business has the right people to drive growth and profitability. 👥💪
✅ Philippe also delves into embracing innovation and adapting to change. In today's rapidly evolving business landscape, staying stagnant is a recipe for failure. Philippe encourages entrepreneurs to continuously seek new opportunities, embrace technology, and be open to trying new strategies. You can position your business for long-term success by staying ahead of the curve. 🚀💡
As the episode ends, it's evident that Philippe Bouissou's expertise and insights have provided listeners with valuable strategies for growing their businesses and increasing their wealth. From having a clear vision to building a strong team and embracing innovation, numerous key takeaways can be applied to any business.
More about Philippe: Philippe Bouissou, Ph.D., is a Silicon Valley veteran with a diverse background as an entrepreneur, CEO, venture capitalist, and management consultant. He is currently the Managing Partner at Blue Dots Partners LLC, focusing on driving top-line growth. Bouissou's notable achievements include founding and managing the online Apple Store, successfully investing $43 million as a venture capitalist, and leading numerous management consulting projects with industry-leading companies.
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Are you struggling to keep up with the ever-changing world of marketing? Gary Heldt speaks with small business marketing expert Pamela Starr in this engaging podcast episode. Pamela Starr is a leading authority on small business marketing, a professional trainer for Grow with Google, and the former Director of Training for Constant Contact. A sought-after keynote speaker, Pamela helps people achieve more measurable and profitable results from their digital and offline communication programs. In her training, she delivers real-world tools and strategies that drive stellar results. Pamela has dedicated her entire career to helping businesses and top performers grow. She has trained, coached, and delivered keynote presentations to over 1,000,000 professionals at more than 10,000 in-person and online events. In addition, she has logged more than 30 hours of live national television appearances.
Key takeaways from this podcast episode:
✅ Adapt to new technologies and approaches in marketing to stay relevant. ✅ Embrace multiple channels to engage with potential clients effectively. ✅ Building trust is crucial for businesses to establish long-term relationships with their audience. ✅ Consistent and transparent communication is key to building trust. ✅ Stay ahead of the competition by continuously learning and evolving your marketing strategies.
More about Pamela: Whether a business owner or a marketing professional, this podcast has practical tips and advice, Pamela is also the creator of 10 New Clients in 30 Days. Guaranteed. That’s an on-demand training course that teaches business professionals how to get new clients through in-person and online educational presentations. To connect with Pamela, or preview her training options, visit her website: PamelaStarronline.com
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In episode 151 of Grow Your Business & Grow Your Wealth with host Gary Heldt, the guest is Dominique Molina, co-founder and president of the American Institute of Certified Tax Planners, to discuss the most valuable lesson in tax planning. Dominique emphasizes the importance of proactive planning, implementation, and maintenance in tax planning. She also highlights the difference between tax planning and tax preparation and the need for a qualified tax planner to provide a customized tax plan. Listen in as Dominique debunks common misconceptions about tax planning and provides valuable insights on legally writing off travel expenses through a business.
🔑 Key Takeaways:
✅ Proactive tax planning is crucial to achieving financial goals. ✅ Tax planning is different from tax preparation. ✅ A qualified tax planner can provide a customized tax plan. ✅ Travel expenses can be legally written off through a business. ✅ Tax planning can help reduce stress during tax season.
Dominique and Gary also debunk common misconceptions about tax planning, such as the belief that it's only for the wealthy. They stress that tax planning is for everyone and can help reduce stress during tax season.
Don't let tax season stress you out anymore - tune in to learn how tax planning can help you achieve your financial goals.
Dominique Molina is the co-founder and President of the American Institute of Certified Tax Planners (AICTP). She is passionate about transforming tax planning and has successfully licensed over 1,000 Certified Tax Planners nationwide. Dominique is a highly qualified tax professional, bestselling author, and keynote speaker. Her expertise and dedication have made her a respected leader in the industry, recognized as one of the 40 Most Influential Accountants by CPA Practice Advisor Magazine.
🔍 #taxplanning #financialgoals #travelexpenses #taxpreparation #proactivetaxplanning #taxplanner #writeoff #wealthmanagement #financialplanning #taxseasonstress Learn more about your ad choices. Visit megaphone.fm/adchoices
🎙️ Episode 150 of the Grow Your Business & Grow Your Wealth podcast with host Gary Heldt features guest Marcia Mantell, an expert in retirement planning and author of several books, including "What’s the Deal with Retirement Planning for Women" and "What’s the Deal with Social Security for Women." She also owns Mantell Retirement Consulting, Inc., a retirement education and marketing communications firm based in Plymouth, MA. Mantell shares her wisdom on retirement planning in this episode, particularly for the Baby Boomer generation and women. 📚 Marcia Mantell's books focus on providing retirement guidance for women and cover topics such as retirement planning and Social Security. She also runs a popular blog called BoomerRetirementBriefs.com, where she shares valuable insights and resources. 💼 As the owner of Mantell Retirement Consulting, Inc., Marcia designs and conducts innovative retirement income planning workshops and programs for financial advisors, their clients, and employers who want to help their employees better prepare for retirement. Key Takeaways: ✅ Take advantage of employer retirement plans: Contributing as much as possible to employer-sponsored retirement plans, such as 401(k)s or pension plans, is essential. These plans often come with employer contributions, significantly boosting your retirement savings. ✅ Understand Social Security: Learn how Social Security works and explore strategies to maximize your benefits. Consider the impact of longevity, as retirement can last for several decades. ✅ Recognize women's unique challenges: Women often have different retirement needs due to longer life expectancies and lower lifetime earnings. Marcia provides resources and advice to help women overcome these challenges and make retirement planning engaging and enjoyable. ✅ Seek expert help for investment and tax planning: Retirement planning can be complex, so it's essential to work with professionals who can provide guidance and support throughout the process. Marcia offers tips on finding the right professionals and collaborating effectively with them. To learn more about Marcia Mantell and her work with Mantell Retirement Consulting, Inc., visit their website at https://mantellretirementconsulting.com. 📞 You can reach out to Marcia Mantell through the contact information available on her website.
781-559-8260 Marcia Mantell Mantell Retirement Consulting, Inc. Email Marcia https://www.linkedin.com/in/marciamantell/ Learn more about your ad choices. Visit megaphone.fm/adchoices
On episode 149 of the "Grow Your Business & Grow Your Wealth" podcast, host Gary Heldt interviews Dr. James Rodgers, an expert in diversity management. They delve into the significance of diversity and inclusion in the workplace and how it can positively impact businesses.
🌍 Key Takeaways: 1️⃣ Diversity beyond race and gender: Dr. Rodgers emphasizes that diversity encompasses all dimensions of differences and similarities, contributing to better results, creativity, and innovation in organizations.
2️⃣ Managing diversity for small businesses: Small business owners can benefit from Dr. Rodgers' platform, which helps individuals develop the skills, mindsets, and processes needed to manage diversity effectively. By expanding their hiring practices, they can attract the best talent and foster a more inclusive workplace.
3️⃣ Communication and relationships: Respectful communication and constructive discussions create a safe space for conversations about diversity. Dr. Rodgers shares insights on handling language slip-ups and the importance of understanding team members' life experiences to build stronger relationships and promote constructive dialogue.
👨🏫 Guest Bio - Dr. James Rodgers: Dr. James Rodgers is a renowned expert in diversity management, bringing over 30 years of experience to the field. His expertise extends beyond race and gender, encompassing all aspects of diversity. Dr. Rodgers has developed a platform to help individuals develop the necessary skills, mindsets, attitudes, and processes for effective diversity management. He is the author of "Diversity Training that Generates Real Change," a highly acclaimed management book rated among the top 10 in 2022.
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In episode 148 of the Grow Your Business & Grow Your Wealth, host Gary Heldt interviews Bryan Kuderna, founder of the Kuderna Financial Team, discussing financial planning and investment. With years of experience in the field, Bryan is passionate about helping individuals and businesses achieve their financial goals. He is a renowned speaker, author, and advisor known for his personalized financial planning strategies expertise. Bryan's insights and real-life experiences make him a sought-after guest on various podcasts and speaking engagements. Bryan shares his journey and emphasizes the importance of passion in financial planning. The conversation covers making wise investment decisions, selecting the right financial advisor, and the significance of personalized long-term financial planning. Key Takeaways:
☑ Importance of Informed Investment Decisions Bryan shares real-life experiences, such as his investment in 6 Flags, highlighting the importance of making informed investment decisions. Trusting the process, working hard, and self-belief are crucial in achieving financial success.
☑ Choosing the Right Financial Advisor Bryan and Gary discuss the significance of researching a potential broker's background and aligning investment philosophies with the chosen financial advisor. A trustworthy and knowledgeable financial advisor is essential for making informed investment choices.
☑ Personalized Long-Term Financial Planning Bryan emphasizes the value of having a personalized long-term financial plan that aligns with individual goals, circumstances, and risk tolerance. A tailored financial plan ensures a clear path toward financial success.
Contact Bryan Kuderna: Website: kudernafinancial.com Book: "What Should I Do With My Money?" (available in paperback, audiobook, and Kindle formats)
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On Episode 147 of the Grow Your Business & Grow Your Wealth with host Gary Heldt, Randy Sadler, Principal and CMO at CIC Services, joins as a guest to discuss captive insurance and debunk some of its myths. Randy has been a marketing and communications professional since 2007 and has worked with various companies such as Procter & Gamble, Pfizer Pharmaceuticals, and Jewelry Television. He now leads Marketing and Client Empowerment for CIC Services, LLC. Randy's background in risk management, real estate investment, and entrepreneurial ventures has helped him parallel well with captive insurance.
🎧 During the podcast, Randy explains how captive insurance works and how CIC Services helps successful business owners set up and own insurance companies. He emphasizes that captive insurance is not a one-size-fits-all solution and that it is essential to understand the risks and benefits before deciding. Randy also highlights the benefits of owning an insurance company through captive insurance, including asset management and investment opportunities.
✔️ One of the key takeaways from this episode is that captive insurance can be a powerful tool for business owners to manage risks and protect their assets. However, working with a knowledgeable and experienced team is crucial to ensure that the insurance company is set up correctly and complies with all regulations. ✔️ Another takeaway is that captive insurance is not just for large corporations but can also benefit small and mid-sized businesses.
🧠 Randy recommends that business owners interested in captive insurance contact him for an educational walkthrough to determine if it makes sense for their business. He also encourages listeners to research and ask questions before making decisions.
💰 This episode provides valuable insights into captive insurance and how it can benefit business owners.
Reach out to Randy: https://www.captivatingthinking.com/ https://www.linkedin.com/company/cic-services-llc/ https://www.facebook.com/captivatingthinking/
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In this replay of the Grow Your Business and Grow Your Wealth podcast, host Gary Heldt welcomes Ashley Tison, Esq., the founder of OZPros, a prominent Opportunity Zone consultancy. Ashley is a highly regarded consultant and attorney specializing in Opportunity Zones, tax-advantaged structures, and investment strategies. With extensive experience advising commercial property investors, family offices, investment advisors, and high-net-worth individuals, Ashley provides valuable insights on maximizing tax savings in real estate investments, optimizing the positive community impact of projects, selecting investment strategies, and navigating relevant regulations. During this episode, Ashley and Gary discuss various topics related to opportunity zones, providing listeners with informative and beneficial insights. Some of the key points covered in this replay include:
Understanding the concept of opportunity zones and their significance.
Exploring the tax benefits associated with opportunity zones and their social impact.
Delving into the nuances and intricacies of the opportunity zone program.
Utilizing the interactive map to identify opportunity zones effectively.
Accessing additional resources, the interactive map, strategy call, and a free cheat sheet by visiting the following link: www.ozpros.com/map
Connect with Ashley Tison:
Facebook: https://www.facebook.com/ozpros
LinkedIn Company Page: https://www.linkedin.com/company/ozproscom/
YouTube: https://www.youtube.com/channel/UCNxQQt5smKiGdnXBjdHy4_Q
Connect with Gary Heldt:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/
Tune in to this replay of the Grow Your Business and Grow Your Wealth podcast, featuring Ashley Tison, to gain valuable insights into opportunity zones and discover strategies for maximizing your tax savings in real estate investments. Don't miss out on this informative episode!
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Ms. Woods graduated from Fordham Law School, where she worked in the Journal of Corporate and Financial Law. After graduation, Ms. Woods clerked for the Honorable Alan L. Gropper (ret.) in the United States Bankruptcy Court for the Southern District of New York. In 2013, Ms. Woods established her law firm to make the quality representation usually associated with large firms more accessible for small businesses and individuals. The Law Offices of Adrienne Woods, P.C. represents individual and business debtors and creditors in bankruptcies and out-of-court restructurings. Here are some of the beneficial topics covered on this week’s show:
The evolution of bankruptcy.
Founding principles of America: No Debtors Prison.
Understanding the Means Test.
What does “Breathing Spell” actually mean in bankruptcy?
Why do courts defer to the business judgment of the debtor?
Connect with Adrienne Woods, Esquire:
Website: https://www.woodslawpc.com/
Twitter: https://twitter.com/WoodsLawPC
Instagram: https://www.instagram.com/woodslawpc/
Facebook: https://www.facebook.com/WoodsLawPC
LinkedIn: https://www.linkedin.com/company/the-law-offices-of-adrienne-woods-p-c-/
Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/
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Christian Pereyda is an attorney at Maynard, a full-service commercial law firm based in Birmingham, Alabama, with offices across the United States. Christian’s practice focuses on complex transactional, litigation, and advisory work related to debtor-creditor relationships, including restructuring through Chapter 11 bankruptcy proceedings and out-of-court workouts. He also regularly helps clients with various commercial law issues, inside and outside of distressed debt scenarios, including representing parties in complex commercial litigation and advising on various corporate law, real estate, and commercial finance matters. Here are some of the beneficial topics covered on this week’s show:
Understand the distinction between liquidation and reorganization
Explanation of the difference between Chapter 7 and Chapter 11 in bankruptcy.
What happens if you are doing business with a debtor who has filed for bankruptcy?
Protecting yourself by researching the companies you are doing business with to be sure they have not filed for bankruptcy.
The PACER system and how it can help you research: https://pacer.uscourts.gov/”
Red Flags to look for when collecting payments from clients.
Connect with Attorney Pereyda:
https://www.linkedin.com/in/christian-pereyda/
https://www.maynardcooper.com/
Connect with Gary:
Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/
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Founder and President of HRi, an HR Outsourcing company specializing in providing personalized, custom-designed human resource services & solutions to small & mid-sized organizations. At Human Resources inc. (HRi), they reduce the complexities of being an employer by leveraging economies of scale. For instance, our single-source solution creates efficiencies through HR technology without multi-vendor confusion. Therefore, you gain peace of mind with subject matter experts in Human Resources, Benefits, Risk Management, and Payroll. Here are some of the beneficial topics covered on this week’s show:
The cost of not having an expert in Human Resources on your team.
The biggest mistake companies make when it comes to HR.
Employees working remotely can be complex and confusing.
How do you measure your remote employee’s ROI?
Why management by exception may not work today.
Connect with Timothy Schaffer Website: https://www.hri-online.com/our-team/ Facebook: https://www.facebook.com/HRi.Crofton/ LinkedIn: https://www.linkedin.com/company/human-resources-inc-/ Twitter: https://twitter.com/HRi_Crofton
Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
After a highly successful 16-year Federal national security and law enforcement career, Darelle was recruited by Dimension Healthcare, a major health provider in the Washington, DC region, to create and organize an internal fitness program for its 3,000+ employees. Darelle founded and became President and C.E.O of OohRah Fitness, Inc. This company provides the unique and novel service of sending fitness trainers directly into corporate offices, bringing fitness instruction to people on the job. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Darelle Joiner.CEO, President, and Founder of OohRah Fitness, Inc. Here are some of the beneficial topics covered on this week’s show:
How to get started if you haven't exercised in a while
Learn the best time of day to exercise.
What is the biggest challenge in exercising for a business owner or executive.
Darelle's four core to being healthy
Why it is not too late to get started in a program.
Connect with Darelle Joiner Website: https://www.oohrahfitnessstudio.com/ Instagram: https://www.instagram.com/oohrahfitnessstudio/ Facebook: https://www.instagram.com/oohrahfitnessstudio/ LinkedIn: https://www.linkedin.com/in/darelle-joiner-82166116/
Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Jubin Dana is a Registered Patent Attorney with over 25 years of experience. He is the owner and main shareholder of Dana Legal Services. He and his team provide legal counsel in all matters related to intellectual property, including obtaining patents through the US Patent Office, Patent Law, Intellectual Property Law, Trademark Law, Copyright Law, Startup Law, and Negotiation. Here are some of the beneficial topics covered on this week’s show:
Understand the difference between a patent, copyright, and trademark.
Why is a patent a negative right?
Common mistake business owners make is doing it themselves.
What happens when you register a trademark?
The secret to “trade secrets.”
Connect with Jubin Dana: Website: https://danalegalservices.com/ Twitter: https://twitter.com/ThePatentGuru_ Instagram: https://www.instagram.com/thepatentguru/ Facebook: https://www.facebook.com/thepatentguru/?ref=py_c LinkedIn: https://www.linkedin.com/company/dana-legal-services/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Matt is a financial entrepreneur along with the CMO at Shareholder of Life, Inc., and founder of SureLI Insurance. After selling his financial planning company after 15 years, Matt founded a new company and merged with another to help those seeking Financial Independence. Matt is a 401(k) expert who can educate a community of entrepreneurs on navigating the retirement plan world and learning which plan is best for their business. Matt is also very knowledgeable in the Financial Independence (FI/FIRE) movement and would love to educate your community on how to reach FI. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Matt Ruttenberg. Here are some of the beneficial topics covered on this week’s show:
Why should small businesses offer a 401(k)?
Common mistakes business owners make, including prototype plans.
Staying current on the changes to the 401 (k) retirement plan.
Consider not integrating your 401 (k) with a payroll provider.
Why you should not miss IRS deadlines.
Connect with Matthew Ruttenberg: Website: https://linktr.ee/mattruttenberg Twitter: https://twitter.com/matt_ruttenberg Instagram: https://www.instagram.com/matt_ruttenberg/ LinkedIn: https://www.linkedin.com/in/mattruttenberg/
Connect with Gary:
Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 114 guest is Ashley Tison, Esq, the founder of OZPros, the leading Opportunity Zone consultancy. A leading consultant and attorney on Opportunity Zones, tax advantaged structures and investing strategies, Ashley has advised over 500 commercial property investors, family offices, investment advisors and high net worth individuals on how to how to best maximize their tax savings in real estate investments, how to maximize the positive community impact of their projects, selecting an optimal investment strategy, and properly navigating the applicable regulations. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Ashley Tison discussing opportunity zones. Here are some of the beneficial topics covered on this week’s show:
What exactly is an opportunity zone.
Understand both the tax benefit side and the social side of opportunity zones.
Explanation of the nuances within this program.
Finding opportunity zones by using the interactive map.
Check out this link for resources, map, strategy call and free cheat sheet: www.ozpros.com/map
Connect with Ashley Tison: https://www.facebook.com/ozpros https://www.linkedin.com/company/ozproscom/ https://www.youtube.com/channel/UCNxQQt5smKiGdnXBjdHy4_Q
Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 113 Steven Sless President of The Steven J. Sless Group of Primary Residential Mortgage, Inc. National Reverse Mortgage Leaders Steven J. Sless has nearly 20 years of mortgage industry experience, including 13 years devoted to reverse mortgages. He also is one of the only mortgage professionals to have earned the CLTC®: Certified Long-Term Care designation, demonstrating that he also has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client's family – financially, physically and emotionally – years down the road. Before joining Primary Residential Mortgage, Inc. (PRMI) in 2019, he served as a Top Producing Loan Originator for Maverick Funding Corp, Branch Director for Home Point Financial, and National Reverse Mortgage Director for US Mortgage Corp. After starting his tenure at PRMI as Reverse Mortgage Division Manager, he opened The Steven J. Sless Group of PRMI, the Company’s first consumer-direct retail branch dealing exclusively with reverse mortgages.
Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Steven Sless about reverse mortgages. Here are some of the beneficial topics covered on this week’s show:
Understanding how reverse mortgages can help during soaring inflation and high cost of goods.
Explanation of the various types of reverse mortgages available
The importance to have a customized and tailored goal for your needs.
How safeguards and regulations have changed over the last 30 days.
Facts and not myths about reverse mortgages.
Connect with Guests Name: Website: https://thestevenjslessgroup.com/ Twitter: https://twitter.com/morewithsless Instagram: https://www.instagram.com/morewithsless/?hl=en Facebook: https://www.facebook.com/morewithsless LinkedIn: https://www.linkedin.com/company/reversemortgage/
Connect with Gary:
Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 112 Crystal Caruthers Crystal began investing in real estate in 2004 and became a full-time investor in 2013, wanting to build her business while at home with her small children.
She, her husband, and partner Steve began aggressively building a single-family rental portfolio using creative real estate by marketing directly to homeowners. They embraced all aspects of investing, buying as many “ugly” houses as possible to keep as rentals, flipping houses, selling homes with financing or lease options, and wholesaling.
Through the years, they also built up a money lending business and their own property management company and served as mentors to many of their local investors. Eventually, they began transitioning away from single-family homes to much larger properties.
Today, Crystal focuses on Chromis Capital LLC, bringing her off-market acquisition skills to a new asset class, working with passive investors to help them invest in large multi-family and commercial properties.
Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Crystal Caruthers sharing her story of building generational wealth Here are some of the beneficial topics covered on this week’s show:
How time, patience, and hard work helped build their business
The importance of understanding cash flow in commercial real estate
Why Crystal focuses on helping mentor others in acquiring properties.
Looking to become a landlord? Why you should hire a professional manager.
How her young children became property owners at 10 and 12 years old.
Connect with Guests Name: https://www.chromiscapital.com https://www.okcashhomebuyers.com https://www.facebook.com/groups/okcmf LinkedIn:https://www.linkedin.com/in/crystal-caruthers/
Connect with Gary:
Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Grow Your Business Grow Your Wealth Podcast Show Notes The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 111 Attorney Candance Dellacona For the last 20 years, Offit Kurman Principal Candace Dellacona has focused her law practice on Estate Planning, Asset Protection Planning, Elder Law, Estate Administration, Special Needs Planning and advocacy. Ms. Dellacona maintains a robust Elder Law practice in which she advises families whose loved ones require long-term care while protecting their life savings. As an advocate for the elderly, Candace strives to assist her clients in remaining independent for as long as possible and living their remaining years in comfort and dignity. Ms. Dellacona also works closely with families to navigate the complicated probate and estate administration process to ensure that a loved one’s estate is administered efficiently and properly. Listen to this informative Grow Your Business and Grow Your Wealth. Podcast Episode 111 with Guest Attorney Candace Dellacona on the importance of asset protection. Here are some of the beneficial topics covered on this week’s show: ● Don't assume a will addresses all your asset protection needs. ● Why a Will necessitates probate. ● Common mistakes people make before speaking to an estate planning attorney. ● Having a difficult conversation about death is essential to protecting your family. ● Why you should regularly update your documents. Connect with Guests Name: Website: https://www.offitkurman.com/ Twitter: https://twitter.com/OffitKurmanLaw Instagram: https://www.instagram.com/offit_kurman/ Facebook: https://www.facebook.com/offitkurman LinkedIn: https://www.linkedin.com/company/offit-kurman-p-a-
Connect with Gary:
Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Since starting Profit First Professionals in 2014 from the basement of Mike’s house Ron has implemented, certified and taught Profit First to hundreds of Accounting Bookkeeping and Coaching Firms throughout the globe! Whether a newer business or a 100-year-old firm, Ron has taught firm owners how to properly experience, practice, implement, monetize and share Profit First with their customers. Ron is an expert in value pricing and has created the Profit First Value Pricing Curriculum. Ron is responsible for ensuring that all employees and members of Profit First Professionals have all the right resources, training, accountability, systems and process to achieve their goals and visions. Ron’s insights include:
The importance of having a system for managing your money
Why once you have your Profit First plan, you can focus on growing your business
The problem with nobody sticking to a budget and his solution to the issue
Why you need to test the elasticity of the cash flow before expanding your amount of employees
Why he wishes he “slowed his roll” when starting Profit First
Enjoy the show! Connect with Ron: Website: https://profitfirstprofessionals.com/ Twitter: https://twitter.com/profitfirstpros?lang=en Facebook: https://twitter.com/profitfirstpros?lang=en LinkedIn: https://www.linkedin.com/in/ron-saharyan-3846a8/ Phone Number: 973-775-9202 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Chris Hurn Grow Your Business Grow Your Wealth with Gary Heldt Episode 109 Chris Hurn Chris Hurn is the founder and CEO of Fountainhead and has more than 23 years of leadership experience in the commercial lending industry, specifically with SBA loan programs. Hurn and his team have collectively closed over $28.81 billion worth of projects (including many for fellow YPOers), making them one of the most experienced teams in commercial lending to owners of small-to-midsized businesses. Listen to this informative Grow Your Business Grow Your Wealth episode with Chris Hurn about SBA - Small Business Administration loans, business acquisitions, business and debt refinances, capital loans, leasehold improvements, and more. Here is what to expect on this week’s show: ● Understanding the many loans offered by the SBA ● The difference between Fountainhead and your banking institute. ● Learn the benefit of an SBA loan compared to a bank loan. ● The common mistakes that business owners make when looking for loans. ● Discussion on starting a business or purchasing an existing business. Connect with Guest: Chris Hurn Links Mentioned: https://www.fountainheadcc.com/
https://www.fountainheadcc.com/ ● https://www.linkedin.com/company/fountainhead-commercial-capital/ ● https://twitter.com/Fountainhead504 ● https://www.instagram.com/fountainhead504/ ● https://www.facebook.com/Fountainhead504/ ● https://www.linkedin.com/in/chrishurn/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 106 Irene de Jesus of the de Jesus Law Group Legal life planning for Families and Businesses helps protect family assets while preserving family legacies. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Attorney Irene de Jesus of the de Jesus Law Group. Here are some of the beneficial topics covered on this week’s show: ● From critical nurse to estate planning law ● Elder law planning is state specific. ● Why you should not DIY your estate planning. ● Understand elder law planning and how it will protect your assets. ● Learn why elder care and estate planning are like peanut butter and jelly.
Connect with Irene de Jesus Website: https://www.dejesuslawgroup.com/ Instagram: https://www.instagram.com/dejesuslawgroup/?hl=en Facebook: https://www.facebook.com/dejesuslawgroup LinkedIn: https://www.linkedin.com/company/de-jesus-law-group-llc/ LinkedIn for Irene: https://www.linkedin.com/in/irene-de-jesus-8781b06b/
Connect with Gary:
Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 105 Enzo Pellegrino is the Founder and President of TLWM Financial.
Enzo began his financial services career over 20 years ago. His dedication to offering sound advice to clients and providing solid support for advisors, combined with his innovative and results-driven leadership, has led to immense success for TLWM Financial and its clients. Services include investment management, financial planning, and personal advice. Forbes awarded Enzo as one of America’s Top Next-Generation Wealth Advisors in 2017 and 2018 and as part of the Best-In-State Wealth Advisors in 2018, 2019, 2021, and 2022. Be sure to visit the website: https://www.tlwmfinancial.com/
Enzo is known as the “Money Guy” on News Radio at 1200 AM in the greater San Antonio market.
During our conversation, Enzo shares his education and years of experience, including:
Learn the questions you should be asking a Certified Financial Planner.
Why you should know your CFP Investment Philosophy and why it matters.
Why you should have the right team for the right plan for YOU.
Great advice for those just starting in the Financial Planning Market.
The importance of being financially aware and knowing where you are now and where you want to be.
Enjoy the show!
Connect with Enzo and TLWM Financial
https://www.facebook.com/TLWMFinancial https://www.linkedin.com/company/tlwmfinancial Linkedin: https://www.linkedin.com/in/texaslegacyenzo/
Connect with Gary:
Website: https://www.tlwmfinancial.com/ Linkedin: https://www.linkedin.com/in/texaslegacyenzo/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 104 Ann Garcia, Managing partner – Independent Progressive Advisors Ann Garcia, aka The College Financial Lady, has helped thousands of families save millions of dollars on college. A fee-only Certified Financial PlannerⓇ and managing partner of Independent Progressive Advisors, Ann specializes in helping families balance the desire to support their children’s dreams with the reality of funding their own lives. Her book How to Pay for College is set to release this summer from Harriman House; its companion online course is available now.
Early in Ann’s career as a financial advisor, she heard the same two questions again and again from her clients. One group asked, “How can we possibly afford to save for college and retirement?” Another group asked, “How can I save for retirement when I’m paying so much on my student loans every month?” Realizing that too many people struggled with this topic and too few advisors were willing to talk about it, she started The College Financial Lady blog to answer families’ college planning questions. A decade later, she is not just the go-to person for college financial planning, she is a trained assassin in that arena. Ann has been featured in the New York Times, US News & World Report, CNN Money and countless other media. Ann and her husband, Bob, live in Portland, OR. Their twins are away from home attending affordable colleges. Ann’s insights include:
What led Ann to become a financial advisor who specializes in college planning
How she helps clients through the many layers of college planning
The mistakes families make when planning for college
Her book, How to Pay for College
The types of scholarships colleges can offer
Why it’s important for families to remember you have a lot of choices when it comes to financial planning
Enjoy the show! Connect with Ann: Book: https://www.amazon.com/How-Pay-College-financial-education/dp/0857199293/ Website: howtopayforcollege.com Facebook: facebook.com/collegefinanciallady Twitter: twitter.com/collegefinanci2
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Matt Chancey works with high income and high net worth clients nationally to legally reduce taxes on income or capital gains. He starts with tax reduction strategies to determine which best fit the clients unique situation and often leads into a more comprehensive financial planning or investment management solution that looks not just at what his client's make, but how they keep more of it. Matt has been in the finance industry for over 15 years and as well as working directly with high profile clients, he is highly sought after for education, teaching, and guest speaking within the industry. He is a respected advisor and author of "Your Guide To Taxes & Your Roth Conversion" and has been featured in many national media outlets including the Orlando Sentinel, The Wall Street Journal, ABC, NBC, CBS, Fox News, CNBC digital, Bloomberg, and Investment News. Matt’s insights include:
What led Matt to the finance field
Why he believes your financial advisor does not need to befriend you to give you good financial advice
Why it’s important to educate clients about tax planning and help them understand the transfer of value
Why it’s possible to outgrow your CPA or attorney
The lack of information for high net worth clients
Enjoy the show! Connect with Matt: Website: https://www.mattchanceylive.com/home1615404071938 Podcast: https://podcasts.apple.com/us/podcast/tax-alpha-solutions/id1611400182 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Kristel grew up in the small town of Seneca, Missouri. She earned her undergraduate degree from the University of Kansas, and her law degree from the University of Arkansas – Fayetteville. Kristel was a member of the National Network of Estate Planning Attorneys from 2008-2012, where she received extensive training and support in the area of estate planning. She joined WealthCounsel in 2012, an organization supporting estate planning, elder law, and business attorneys across the country. Kristel and her husband, Carlos, have two children – a daughter and a son. They also share their home with a gray ghost – their Weimaraner, Maya, and a rescue Yorkie, Bella. In her (little) spare time, Kristel enjoys spending time with her friends at Chandler Horizon Rotary and cheering on the Arizona Cardinals. Kristel is licensed to practice law in Arizona, Arkansas, and Missouri. Kristel ‘s insights include:
The mistakes people make with their estate planning
Why you should review your plan annually
What the secure act is
The importance of health care directives and financial power of attorneys
What happens to your financial power of attorney after death
Enjoy the show! Connect with Kristel: Website: https://legacylawaz.com/ Email: hello@legacylawaz.com
Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Rob Braiman has a long-standing reputation as a “serial entrepreneur” and has spent over 19 years working directly with business owners to improve strategic planning, operations, growth, and profitability. Rob Braiman founded Cogent Analytics after spending over 10 years as a senior business analyst helping to improve and build main street businesses across the country. He has personally engaged with over 1500 businesses across the United States, and continues to work to further the interests of other business owners like himself. Cogent’s primary objective in every interaction, is to put the interests of the client first. In support of that directive, Rob Braiman has built a company culture based on a code of honor, courage, wisdom, faith, perseverance and loyalty. The foundation of his value system started in the U.S. Military as a young man serving with SOCOM and his deeply rooted personal code is what he demands of himself every day and is what he asks his employees of Cogent to embrace. Rob’s insights include:
How Rob started Cogent Analytics
What Cogent Analytics does
What the four major pillars of running a business are
How Cogent Analytics navigates with business owners who are too busy at work
The common mistakes business owners make
Why not knowing how is not an excuse to not prepare yourself
Enjoy the show! Connect with Rob: Website: https://www.cogentanalytics.com/ Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Prashant Sabapathi is a member of the council of Financial Educators (COFE)- an IRS approved 501(c) (3) organization that is committed to providing the public with the knowledge needed to confidently navigate the ever-changing retirement landscape. He is also a recognized retirement planner, financial educator, and speaker on the topic of wealth management and retirement planning. Prashant also hosts both the Retire Smart Maryland radio and television programs which air in the Baltimore area weekly. Prashant began his career at MetLife and transitioned to becoming an independent advisor in 2014. He now operates Elite Income Advisors, Inc. – a Registered Investment Advisory Firm where he and his team are dedicated to helping individuals accumulate, protect, and pass on their wealth over the course of their lifetime while minimizing their tax liability. Using a client-centric approach, Prashant customizes each client’s investment plan based on their specific financial objectives while implementing his philosophy that “losses hurt you more than gains help you.” As a lifelong Marylander, Prashant grew up in Ellicott City, attended McDonogh, and graduated with a degree in Economics from University of Maryland, College Park. He currently resides in the Baltimore area with his wife Alyssa. Prashant’s insights include:
The common mistakes people make with their retirement
The importance of making sure your advisor is a good fit for you
How to manage the expectations of clients
How you can learn how to optimize your social security benefits and much more through his workshops
Why you shouldn’t get too high when the market is high and get too low when the market is low
The importance of understanding your client’s needs as there is no plan that fits everybody
Enjoy the show! Connect with Prashant: Website: https://eliteincomeadvisors.com/ LinkedIn: https://www.linkedin.com/in/prashant-sabapathi-361375203 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Gregory Kushner founded Lido Advisors in 1999 with the goal of ensuring that his clients are “fiscally fit” with a healthy financial portfolio in all areas of their lives. Kushner works with investments and strategy for ultra-high net-worth investors and family offices to provide objective and personal financial solutions and multi-generational planning. In addition to his current role as Chairman, Kushner continues to serve client relationships as an investment advisor representative of Lido, including all aspects of managing their wealth. Prior to founding Lido Advisors, LLC, Kushner founded Lido Consulting, Inc., in 1995 to provide consulting services for family offices. Services include implementing best practices within the family office structure, extending to all facets of running and maintaining a family office. The firm provides resources on several topics important to the effective management of wealth. Lido Consulting hosts many “invitation-only” events every year where Kushner acts as Conference Chairman and moderator. Topics include investment strategy, economic outlook, risk management, family office creation and management, charitable giving, asset allocation, and updates regarding the impact government and political activities impacting the ultra-high net worth community. Kushner discovered a passion for sharing his financial knowledge in 2009, when he hosted a weekly radio show about investing and personal finance on KABC 790AM in Los Angeles that ran until 2010. He was the Keynote Speaker at the AM 870 Wealth Summit (February 2018) and has periodically been a host of financial shows on the same channel. Recently, Kushner discovered a new platform for sharing his insights with the public by becoming a Forbes Finance Council contributor. Kushner also speaks regularly on issues relating to the management of substantial wealth throughout Southern California. Kushner also is a featured speaker annually for Pepperdine University’s Certificate in Financial Management for the Family Office program including courses on due diligence, investment policy statements, and asset allocation.
Gregory’s insights include:
Why the best advice is to focus
How his daily emails to clients during the pandemic were beneficial
The importance of having the trust of clients
The rules of investing
The importance of probabilities when it comes to investing
Why the most important question investors should ask their advisor is ‘how does the advisor gets paid?’
Enjoy the show! Connect with Gregory: Website: https://www.lidoadvisors.com/ LinkedIn: https://www.linkedin.com/in/gregory-kushner-7b83326/?original_referer=https%3A%2F%2Fwww.lidoadvisors.com%2F
Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 098 Derrick Kinney, CEO – Good Money Framework Derrick Kinney is CEO of Good Money Framework and host of the popular Good Money podcast. Kinney inspires influential business and thought leaders to make more money and use it for good. Known for making complex financial topics easy to understand, Kinney is a sought-after guest on local and national media where he has been interviewed on CNBC, FOX News, CNN, FOX Business, PBS, Cheddar News, and Wall Street Journal, among others. Kinney is a certified Financial Educator (CFE), Chartered Retirement Planning Counselor (CRPC), Chartered Financial Consultant (ChFC), and a Chartered Advisor for Senior Living (CASL). Derrick ‘s insights include:
How Derrick used his motivation to make money from a young age into crafting his own successful financial planning business
The problem with people believing if you make a lot of money you are a villain
How Derrick helps business owners increase their revenue
How people’s fears hold them back from making more money
The importance of branding yourself as a specialist in your field to make more money
Enjoy the show! Connect with Derrick: Website: www.GoodMoneyFramework.com https://www.goodmoneyframework.com/chapters Instagram: derricktkinney LinkedIn: Derrick Kinney Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 097 Patty Vargas, Partner – Davis & Santos Patty Vargas is a shareholder with Davis & Santos and is Board Certified in estate planning and probate law by the Texas Board of Legal Specialization. Patty’s practice concentrates on the representation of individuals and corporate fiduciaries with respect to estate planning, family wealth transfers, probate, guardianships, formation and administration of trusts, including special needs trusts and fiduciary litigation. Patty has prepared and has assisted in the preparation of IRS filings for transfer tax purposes. She has also represented clients before the Texas Medical Board and the Texas Board of Examiners of Professional Counselors. Patty’s insights include:
Why it’s a mistake to not prepare an estate plan
What non-probate assets are
The planning techniques people can do to help pass their assets on
How an attorney can help their clients tailor their plan to include their important information
The importance of reviewing and updating your documents in case of life changes
The importance of having a roadmap for your trustee
Enjoy the show! Connect with Patty: LinkedIn: https://www.linkedin.com/in/patty-vargas-86b33435/ Company LinkedIn: https://www.linkedin.com/company/77167155 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/
Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 096 Aaron Clarke, Private Wealth Advisor – Halpern Financial Inc
Aaron works as a Private Wealth Advisor for Halpern Financial Inc, and is the founder of Gig Wealthy, an online financial education start up that strives to provide access to elite planning strategies to underserved small business owners. He is the winner of the Financial Planning Association of National Capital Area’s 2022 Emerging Leader Award, as well as a 2022 Washingtonian Top Financial Advisor in the Washington DC area. As a Wealth Advisor for Halpern Financial, Inc., Aaron directly engages with affluent clients to help them navigate the complex choices that surround making smart money decisions for themselves and their families. By focusing on both the quantitative and behavioral dynamics surrounding money, he helps clients identify goals, create a plan of action, and take action—all to optimize their finances for years to come. As the founder of Gig Wealthy he works to ensure that small business owners who would normally be excluded from gaining access to regular financial planning business models are able to gain access to resources, tools, workshops, and content to help grow their wealth over time. Focused on helping those that the standard industry business models do not support, the Gig Wealthy brand is redefining who has access to the tools and strategies to grow their wealth on their own time and terms. Though they do not provide any financial advice, some of the best strategies and resources known to elite planners can be found by all through the platform.
Aaron’s insights include:
The difference between fee-base and fee-only
How to prep clients in times of uncertainty like the pandemic
How emotions like fear can factor into client’s making decisions with their financial planning
His financial planning blog service, Gig wealthy
Why it’s okay to say “I don’t know” and the importance of asking questions
Enjoy the show!
Connect with Aaron:
Website: https://halpernfinancial.com/ Website: https://gigwealthy.com/ LinkedIn: https://www.linkedin.com/in/aaronwayneclarke
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 095 Portia Wood, generational wealth planning attorney – Wood Legal Group, LLP
Portia M. Wood, Esq., is a generational wealth planning attorney. Based in Los Angeles, she leads Wood Legal Group, LLP, an African American woman-owned and operated law firm specializing in estate planning, probate, and elder law that she runs with her mother and law partner, Robin Wood. They are passionately focused on helping marginalized communities grow and protect wealth by being a trusted resource for accurate information and comprehensive, culturally competent estate planning. Learn more at woodlegalgroup.com.
Portia’s insights include:
What led Portia to becoming an attorney
Why everyone over the age of 18 needs some form of an estate plan
The importance of creating an estate plan while you are capable
Why you should review your estate plan every year
Why you need to find people you can trust in your wealth building team
Enjoy the show!
Connect with Portia:
Website: https://www.woodlegalgroup.com/ Instagram: https://www.instagram.com/woodlegalgroup/ Facebook: https://www.facebook.com/WoodLegalGroup/ Twitter: https://twitter.com/woodlegalgroup LinkedIn: https://www.linkedin.com/company/wood-legal-group-llp/
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 094 Matthew Erskine, managing partner – Erskine & Erskine LLC
Matthew Erskine is the managing partner of Erskine & Erskine LLC, a fourth generation law firm, and The Erskine Company, LLC, a consulting firm (www.erskineco.com). He focuses on strategic planning and legal services for business owners, professionals, individuals, families, collectors, and inheritors of unique assets. Helping his clients and their families solve their problems through customized estate, tax and management solutions.
Matt has a particular expertise in the stewardship of unique assets that few other estate planning and trust attorneys or family offices can match. Working with collectors of coins, fine art, jewelry, heirlooms, and other valuable assets, as well as owners of real estate and family businesses, Matt brings his and his family’s generations of experience and intimate knowledge of unique areas of the law to help clients achieve their desired investment and personal goals. This includes strategic planning and execution on forming operating and non-operating foundations.
Matthew’s insights include:
Why “a will is a photograph and a trust is a movie”
The challenges he faced with clients due to changes like the pandemic
Why “something is better than nothing” when creating your estate plan
What a power of attorney is and the role it plays
What clients can do to make the process easier
Enjoy the show!
Connect with Matthew:
Website: www.erskineco.com
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 093 Sabrina Shaheen Cronin, Founder – The Cronin Law Firm
Sabrina Shaheen Cronin is a true role model for today’s single working parent. She began her career as a musician, and soon afterward, she began her rise as a successful attorney. Sabrina is now a nationally recognized motivational and public speaker, life and business strategist coach, writer, mentor, businesswoman, top Lawyer, and television personality. Sabrina is known as the “Shared Parenting Expert” for her workshops helping families cope with co-parenting dilemmas in today's challenging environment. Her expertise and legal background have her uniquely qualified to meld her knowledge of human nature, 20 years as a family law specialist and background as a prosecutor, to create and develop her own specialized, proprietary curriculum in the form of weekly workshops. Sabrina’s goal is to get acrimonious parents out of the courtroom and into her workshops, so they can develop the tools necessary to achieve happy and healthy homes for their family. Sabrina is licensed to practice law in Michigan, New York & Illinois. She is a certified Life Coach and Family Law Specialist. Sabrina is a graduate of the University of Michigan and received her Law Degree and MBA at University of Detroit Mercy.
Sabrina’s insights include:
What led Sabrina to become a lawyer
The impact of divorce for the whole family
The common mistakes people in business make through their divorce
The importance of being in the moment professionally and personally
The conflict of differing opinions in today’s society
Enjoy the show!
Connect with Sabrina:
Website: https://www.croninlawfirm.com/bio/sabrina-cronin.cfm Facebook: https://www.facebook.com/sabrinashaheencronin/ Instagram: https://www.instagram.com/sabrinashaheencronin/?hl=en LinkedIn: https://www.linkedin.com/in/sabrina-shaheen-cronin-a9ab7738/
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes
The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
EP 092 Carmen Rosas, Founder – Carmen Rosas Law
Hoop-wearing, award-winning and stereotype-defying attorney Carmen Rosas is on a mission to help women chase and secure the bag. Recently named a Top Latino Lawyer by Latino Leaders Magazine, Carmen draws on more than 10 years of experience in estate planning to equip women to protect themselves and their families by protecting their assets. And she’s doing it all in style.
A proud mix of Mexican, French, and Italian, Carmen grew up in the Bay Area, fascinated by her grandmothers’ stories of living in Mexico, arriving in America, and settling in California. Her curiosity of other cultures and the development of languages and communal systems led her to study Anthropology at Santa Clara University. During her sophomore year, she even interned at the Public Defender’s Office-Juvenile Division in Washington D.C.
Today she is the founder and lead counsel of Carmen Rosas Law where she empowers women to take back control of their money, desires and life. Carmen’s unique approach to estate planning blends personalized, intuitive coaching with trusted legal advice to finally give women, especially Latina women, the chance to be seen and heard by an attorney who looks like them and gets it.
Carmen insights include:
The difference between a will and a trust
Why the fear of life changes deters clients from creating their estate plan
The importance of having an inventory of your assets
Why you need to have a long term and short term guardian for your children
Why business owners need a business succession plan
Enjoy the show!
Connect with Carmen:
Website: https://www.carmenrosas.com/ http://ourlegacyprotectionfirm.com/ Facebook: https://www.facebook.com/iamcarmenrosas Instagram: https://www.instagram.com/iamcarmenrosas/
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 091 Jack Hales, Founding partner – Hales & Sellers PLLC Jack Hales is a founding partner at Hales & Sellers PLLC and is board-certified in Estate Planning and Probate Law. Hales primarily focuses on areas of estate planning and probate, including representation of executors, fiduciaries, and beneficiaries in uncontested and contested estate and trust matters. He is currently fighting for justice for dozens of families suing a funeral home and recently spoke with New York Post and DallasMorning News about the issue. Jack’s insights include:
The challenges of estate planning
The common mistakes people make with trusts
Why gifting property to the next generation can cause problems
How remarrying can impact your will
The misconceptions of having a power of attorney
Enjoy the show! Connect with Jack: Website: https://www.halesandsellers.com/ Facebook: https://www.facebook.com/HalesandSellers Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 090 Jeremy Keil, Financial planner – Keil Financial Partners Jeremy Keil, CFP®, CFA is a retirement focused financial planner with Keil Financial Partners, and host of the Retirement Revealed blog and podcast. Jeremy’s insights include:
What led to Jeremy becoming a financial planner
The common mistakes people make with their retirement planning
Why you need a plan before and after investing
Deciding what to do with your long-term and short-term money
The five step retirement process Keil Financial Partners offers
Advice he would give his younger self about retirement
The importance of learning about your 401K plan
Why it is so important to plan ahead at least 5-10 years for your retirement
Enjoy the show! Connect with Jeremy: Website: https://keilfp.com/ Podcast/Blog: https://keilfp.com/blogpodcast/ Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 089 Tyson Koska, Founder – OnTrajectory
Tyson’s first taste of entrepreneurism came at age 13 when he opened a roadside snowball stand in his small hometown. This experience gave him his first sense of Financial Independence, and he became hooked on it. By age 20, Tyson had become a helicopter pilot in the U.S. Army. Although he was making more money than ever before, he also found himself the most in-debt. Luckily, he was able to pay down that debt while deployed to Desert Storm – and another important financial lesson was learned.
After leaving the military, and with fresh GI Bill funds in-hand, he earned a Bachelor's degree in English and, later, a Master's degree in Philosophy. Since neither of those degrees managed to pay the bills, Tyson turned to I.T.
Spending the next 25 years in software development and working for large corporations in banking and insurance, Tyson founded OnTrajectory.com – a personal finance tool for both regular folks as well as professionals. Securing investment funds in 2021, Tyson is leading OnTrajectory into a new growth phase, in which he hopes to bring easy-to-use and accurate financial modeling to the masses.
Tyson’s insights include:
How he created the OnTrajectory software in 2014
How expenses change over time and how OnTrajectory can adjust throughout the changes that occur within life
The budgeting and debt reduction feature of OnTrajectory
The challenges he faced when starting OnTrajectory
How people of all ages can benefit from using OnTrajectory
Enjoy the show!
Connect with Tyson:
Website: https://www.ontrajectory.com/ Facebook: https://www.facebook.com/OnTrajectory/ Twitter: https://twitter.com/ontrajectory
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 088 Rasha Ingratta, Mortgage broker – Shop Mortgages.Ca Rasha is a Mortgage Broker & Real Estate investor in Windsor Ontario Canada. Rasha has been in the mortgage industry for more than 20 years. As an independent mortgage agent at Mortgage Intelligence (shopmortgages.ca) Rasha says she prides herself on a high level of mortgage knowledge, professionalism, and experience which translates into providing customers with mortgages that are competitively priced and have features that best meet the client's needs. Rasha cares about the client's situation and her expert advice puts her clients in a better financial situation in the long run. There have been times when her clients were on the edge of bankruptcy or losing their homes and Rasha has been able to get them out of their financial hardship and get them on a path of wealth-building for the future. Rasha’s insights include:
The differences between going to a bank verses going to a broker for a loan
The mistakes people make when trying to secure a mortgage
How Rasha preps her clients when they are getting their first mortgage
Why taking debt and other expenses into account is important when seeing if you qualify for loans
The importance of learning about budgeting
Enjoy the show! Connect with Rasha: Website: https://www.shopmortgages.ca/ Facebook: https://www.facebook.com/shopmortgageswindsor Instagram: https://www.instagram.com/shopmortgageswindsor/?hl=en LinkedIn: https://www.linkedin.com/in/rasha-ingratta-mortgage-agent-8a45036/
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 087 Chris Ward, Founder – EntryPoint Wealth Management Chris Ward founded EntryPoint Wealth Management to provide advisory relationships built on Financial Life Planning to enable his clients to achieve more in their lives and financial aspirations. We take the time to help clients understand what is truly important to our clients to make the best financial decisions to empower them to achieve their successes. We attract High Networth Investors who ask us to untangle the complexity of their situation, reduce the stress of their financial lives, and create a plan to help them accomplish their long-term goals. To help our clients, we engage in Investment Management, Charitable Planning, Tax Analysis, 1031 Exchanges, and Estate Planning to best serve our client's goals and objectives. Given that every client's situation is unique, we build a custom plan for every client we work with, outlining the techniques we will use to help them achieve their objectives. Chris’ insights include:
Why having a system in place instead of being driven by emotions is important to make good decisions
The challenges of transitioning from working for a company to starting your own business
How setting your own schedule can allow you to spend more time with family
His thorough process to ensure he covers all aspects for a financial plan for each client
His goals for his business
Enjoy the show! Connect with Chris: Website: https://entrypointwm.com/ Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 086 Charles Alexander, Founder – YourCharlesAlexander.com Charles Alexander’s mission in life is to help entrepreneurs get focused and beat the odds of business failure. Charles is the Director of the Small Business Development Center at Volunteer State College, where he provides one-on-one business coaching and teaches seminars to help entrepreneurs grow their businesses. Working with over 1,000 entrepreneurs has helped him become a polished storyteller that uses humor and real world experiences to educate others. In addition to coaching entrepreneurs, Charles also owns his own business, creating Explainer Videos for busy professionals. Lastly, and most importantly, he is happily married to his wife Sarah and is the proud father of three lovely children, Ava, Lilly and Lane. Charles’ insights include:
How yourcharlesalexander.com got started
How the great resignation is expanding business
What led him to business coaching
The challenges of turning a side hustle into a full time job
The importance of a budget and how to get started
Enjoy the show! Connect with Charles: Website: http://www.yourcharlesalexander.com/about YouTube: https://www.youtube.com/user/yourcharlesalexander LinkedIn: https://www.linkedin.com/in/yourcharlesalexander/ Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
- The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 085 Justin Nabity, Founder and CEO – Physicians Thrive Justin Nabity is the founder and CEO of Physicians Thrive, an advisory group helping physicians avoid business and legal pitfalls and build their financial education. As a wealth management advisor from a family of doctors, he launched his business by traveling to medical schools nationwide to educate physicians about their unique financial, legal, and business needs. Today, Physicians Thrive has served physicians at over 400 medical centers, hospitals, and medical schools, and 1000 residency and fellowship programs.
In 2016, Justin co-founded the non-profit Give Sight Global, which sponsors cataract surgeries, glasses and other forms of eye care all over the world. Following volunteer trips with the University of Utah Moran Outreach Program to the Navajo Nation and Tanzania, Justin and his business partner were inspired to donate a portion of their business profits to fund vision care in underserved communities. Justin’s insights include:
Why debt isn’t always bad
The common mistakes clients make
How cryptocurrency plays role with clients
Why you need to be open with you advisor to get the help you need
The importance of building a relationship with clients
Enjoy the show! Connect with Justin: Website: www.physiciansthrive.com Facebook: https://www.facebook.com/physiciansthrive Instagram: https://www.instagram.com/physiciansthrive/
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 84 Ron Saharyan, Co-Founder– Profit First Professionals Since starting Profit First Professionals in 2014 from the basement of Mike’s house Ron has implemented, certified and taught Profit First to hundreds of Accounting Bookkeeping and Coaching Firms throughout the globe! Whether a newer business or a 100-year-old firm, Ron has taught firm owners how to properly experience, practice, implement, monetize and share Profit First with their customers. Ron is an expert in value pricing and has created the Profit First Value Pricing Curriculum. Ron is responsible for ensuring that all employees and members of Profit First Professionals have all the right resources, training, accountability, systems and process to achieve their goals and visions. Ron’s insights include:
The importance of having a system for managing your money
Why once you have your Profit First plan, you can focus on growing your business
The problem with nobody sticking to a budget and his solution to the issue
Why you need to test the elasticity of the cash flow before expanding your amount of employees
Why he wishes he “slowed his roll” when starting Profit First
Enjoy the show! Connect with Ron: Website: https://profitfirstprofessionals.com/ Twitter: https://twitter.com/profitfirstpros?lang=en Facebook: https://twitter.com/profitfirstpros?lang=en LinkedIn: https://www.linkedin.com/in/ron-saharyan-3846a8/ Phone Number: 973-775-9202 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 083 Ryan Reiffert, Lawyer – The Law Offices of Ryan Reiffert PLLC A San Antonio native, Ryan Reiffert is a knowledgeable, insightful, and dynamic business and estate attorney with experience ranging from billion dollar deals on Wall Street, to high-net-worth individuals and families, to three-person garage startups with big dreams, to “regular” people attempting to make sense of a loved one’s passing, and everything in between.
The firm provides high-quality legal services to entrepreneurs, individuals, and businesses in San Antonio and the surrounding region with the same depth of legal knowledge and quality of advice as a much larger firm, but with a keener sense of business understanding. Ryan’s insights include:
The importance of setting up an entity properly
Why operating agreements are crucial when starting a business
The challenges of determining long term goals in light of Covid spikes
Why there is hope for the economy and entrepreneurship
Why you need to maintain business relationships
Enjoy the show! Connect with Ryan: Website: www.RyanReiffert.com YouTube: youtube.com/LawOfficesOfRyanReiffert Facebook: facebook.com/LawReiffert Instagram: instagram.com/LawReiffert
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 082 Paul Donovan, Attorney, CPA, estate developer – Donovan Legal PLLC Paul Donovan is an attorney, CPA, real estate developer, and broker with 25 years of experience advising real estate clients on the legal, tax, and financial aspects of real estate. Paul spent much of his career working for the “Big 4” advising Fortune 500 companies on complicated tax issues involved in the acquisition and disposition of real estate assets around the world. Paul’s insights include:
Why you need to have the proper financial team to be successful
How the pandemic has changed the need of commercial real estate
The rise in residential rentals
The challenges the legal profession has faced due to Covid
Why the measure of productiveness being in the office verses working from home doesn’t make a difference because working from home results in more work
Why he believes it is never too early to build your brand no matter what field you want to work in
Enjoy the show! Connect with Paul: Website: https://www.simplifyllc.com/ Twitter: https://twitter.com/DonovanLegal
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 081 Eunicia Peret, Founder and CEO – Empowered Financial Planner Eunicia is a seasoned executive and business owner, accomplished financial consultant On her own journey, she went from rebuilding her financial independence from nearly nothing to over 6 figures in less than a year using the same methodology she uses with her clients. In addition, she has worked with and set hundreds of clients on their paths to financial independence and wealth optimization. Eunicia is a senior contributor to Brainz Magazine and collaborates with many globally known thought leadership experts. Eunicia is passionate about seeing true transformation in her clients' financial success stories. Eunicia’s insights include:
The importance of having a financial team and plan that works for you
Dealing with debt and how to differentiate good and bad debt
How zoom has played a role in business
The importance of evaluating who is the best fit to help you through your financial planning
Why Clients need to be willing to collaborate to make an effective financial plan
Enjoy the show! Connect with Eunicia: Website: www.empoweredfinancialplanner.com Twitter: https://twitter.com/euniciaperet Facebook: https://www.facebook.com/euniciaoperet Company Facebook: https://www.facebook.com/empoweredfinancialplanner LinkedIn: https://www.linkedin.com/in/euniciaperet YouTube: https://www.youtube.com/channel/UCzSkmxARMNMrjnz6FwlbMXA Instagram: https://www.instagram.com/euniciaperet Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 080 Jeremy Britton, CFO – Boston Trading Jeremy Britton started his first financial planning business in 1992, and went on to create several more businesses over the next few years. Along the way, he studied financial patterns like a Vegas card-counter, and always seemed to know what was coming next. Jeremy predicted the 1999 "Tech Wreck", the 9/11/2001 crash and his first best-selling book predicted the 2008 Global Financial Crisis a full two years early. He was an early adopter of Bitcoin and cryptocurrencies, co-founding the world's first diversified crypto fund, Bostoncoin, in 2016. In September 2019, Jeremy predicted a market crash, money printing and hyperinflation, six months before the pandemic occurred. His advice at the time was to exit cash and invest into scarce commodities such as land, gold, silver and Bitcoin. The Bostoncoin portfolio has outperformed Bitcoin for several years in a row, with less volatility, returning over 577% to investors in the past twelve months. Jeremy insights include:
What led Jeremy to financial planning
The mistakes clients make
Why you need to be careful with cryptocurrenecy scams
How his company avoids cryptocurrency scams
Why you should invest where you spend
How Facebook has created the most challenges
Enjoy the show! Connect with Jeremy: Twitter: https://twitter.com/TradingBoston Facebook: https://facebook.com/bostontrading LinkedIn: https://www.linkedin.com/company/boston-trading-co
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 079 Seth Greene, Founder and CEO – How to Find Money For College Seth Greene is the nation’s foremost authority on growing your business with a podcast. Seth is the co-host of the Sharkpreneur podcast with Shark Tank’s Kevin Harrington that was just named “One of the Top 10 Podcasts to Listen to in 2019” by Nasdaq. He is the founder of the direct response marketing firm Market Domination llc, and he is a 7-time best selling author who has been interviewed on NBC, CBS, Forbes, Inc, CBS Moneywatch and many more. Seth’s insights include:
Seth’s personal story with his family struggling to afford the cost of college, which led him to becoming a financial aid planner
How college financial planners differ from high school guidance counselors with helping students with financial aid resources
The importance of filling out your FAFSA application
How his firm can help lower the expected family contribution
The difference between private and public colleges financial aid
Enjoy the show! Connect with Seth: Website: https://howtofindmoneyforcollege.com/optin-41494959159596158695 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 78: Gil Baumgarten – Founder and CEO of Segment Wealth Management Gil Baumgarten is a 36-year veteran of the securities and investment industry. After beginning his career at the venerable EF Hutton in the early 1980s, Gil became a top producer for UBS and Smith Barney, what is today Morgan Stanley. However, Gil found Wall Street routinely emphasized its own interests over those of the client. By the time 2010 came about, Gil jumped off the brokerage train to start Segment, a fee-only firm where the interests of the client could align with the interests of the firm. In 2021, Gil published his first book, FOOLISH: How Investors Get Worked Up and Worked Over by the System. The best-selling book highlights the hidden problems endemic among Wall Street brokerage firms, as well as the deeply rooted self-destructive tendencies of investors, and provides investors with an actionable path forward. Gil’s insights include:
The importance of assessing suitability
What fiduciaries do
How Gil took his years of experience to write his book Foolish: How Investors Get Worked Up and Worked Over By The System
What FINRA is
How the pandemic impacted his company
Why you should take bigger risks in your career
Enjoy the show! Connect with Gil: Website: https://segmentwm.com/about/#segment Book: https://gilbaumgarten.com/book/ Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 077 Brett Swarts, Capital Gains Tax Deferral Experts and Founder of Capital Gains Tax Solutions Brett Swarts, founder of Capital Gains Tax Solutions, educator, investor, and host of Capital Gains Tax Solutions Podcast, expert CRE secrets, and a host of Crypto Mastermind webinar every Friday.
Brett Swarts is an entrepreneur; deferred sales trust expert/trustee, CRE investor, podcaster, and Northern CA multifamily broker. His leadership roles include serving as the host of Capital Gains Tax solution podcast and expert CRE secret podcast. He equips hundreds of high net worth business professionals with the deferred sales trust tool to help their high net worth clients break out of Capital Gains Tax Jail. Mr. Swarts is passionate about educating high net worth individuals in Capital Gains Tax Deferrals with a deferred sales trust. How to divest from a business, cryptocurrency highly appreciated stock, primary residence, or investment real estate to gain freedom from feeling hostage to Capital Gains Tax, then invest back into a new business ventures or investment real estate at any time which he calls Optimal Timing. Brett’s insights include:
His journey to discovering what deferred sales trust is
How deferred sales trust works
Who the team members behind the client’s deferred sales trust are
How the refinancing process works
How deferred sales trust can impact your children
What the three storms are
Enjoy the show! Connect with Brett: Website: https://capitalgainstaxsolutions.com/ YouTube: https://www.youtube.com/channel/UCAykQNmIWZ0KARBeVWcQxUA Facebook: https://www.facebook.com/capitalgainstaxsolutions/ LinkedIn: https://www.linkedin.com/company/capitalgainstaxsolutions/ Instagram: https://www.instagram.com/brett__swarts/
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 07 Eric Proos, P.C, Lawyer – EJP Law Eric is a Detroit area native, who is a private practice attorney in Los Angeles, with a focus on business transactions and litigation, and representing individuals in divorces and other legal needs. He received a B.S., cum laude, in political science, with a double minor in economics and legal studies on a partial academic scholarship from Central Michigan University. Eric then went on to attend the University of Detroit Mercy School of Law. During that time, he advised on strategy and theme for the campaign of a Michigan State Representative. While studying for the California Bar Exam, Eric was hired as a Post J.D. law clerk at a plaintiff’s securities law firm. After successfully passing the California State Bar Exam on the first attempt, he began volunteering at the San Diego Volunteer Lawyers Program family law clinic, and the San Diego County Corporation Counsel where he advised the County regarding numerous matters ranging from premise liability, to workers’ compensation issues. Since branching off on his own in 2016, Eric has continued to represent companies with incorporation matters, litigation matters against other businesses, contract drafting, and other business/individual type representation. Eric’s insights include:
Why It’s so important to put things in writing when starting a business
Thoughts on legal zoom
The importance of listening to your legal professionals
Why building relationships with clients is key
How the pandemic affected work
Enjoy the show! Connect with Eric: Website: www.ejplawoffice.com Instagram: @ejp.law LinkedIn: https://www.linkedin.com/company/the-law-office-of-eric-j-proos-p-c Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
At twelve, Rebecca knew she wanted to be a lawyer to make a difference in people’s lives. Rebecca and her law partner, Dinh Luu, carefully chose estate planning and elder law because it’s one of the few areas of law where we can develop life-long relationships with our clients and their families and impact their lives in profound ways.
Many law firms create wills, trusts, advance directives, powers of attorney but few are women owned and do it with the expertise of elder law. We not only create the plans but we administer them all the time. This gives us the superpower of 20/20 hindsight with every client. Our goal is to provide the education each clients needs to form a reality-based plan that will work when needed. Every plan should honor your wishes, avoid court and maintain family harmony. With our life-long program, we can successfully do this with the collaboration of our clients and their advisors.
Estate Planning becomes Elder Law when we start needing help from others. Elder law includes updating estate planning documents, establishing conservatorships, planning for Medi-Cal and VA Aid & Attendance benefits, preventing elder abuse and providing counsel to families throughout the journey of aging. We also handle trust administration and probate once someone has passed away.
On a personal note, she is the mom to a terrific little girl and is a nature and animal lover. They enjoy time with their horses and cat.
Rebecca’s insights include:
Why Rebecca decided she wanted to become a lawyer as a child
Information on the probate process
Why conservatorships are awful
The importance of updating your wishes as you go through life
Why business owners need to assign their business entity to a business trust
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Show Notes -The Grow Your Business and Grow Your Wealth with Gary Heldt -EP 074 Tabitha Mazzara, Director of Operations –Mortgage Bank of California Tabitha Mazzara is an outside-the-box mortgage industry thinker, whose sophisticated, holistic approach gets things done for high-net-worth borrowers other banks wave off as “too complicated,” while creating a home-like environment for her dedicated staff. A self-described “mortgage brat,” Tabitha has achieved a venerable 35 years of success in the field in part by virtue of her extraordinarily diverse skill set. Over the course of her career, she has attained hands-on experience with nearly every aspect of mortgage lending: working in behind-the-scenes positions such as software consultant, customer-facing positions such as sales, as well as work in underwriting, operations, credit analysis, loan origination, and her current post as Director of Operations at MBANC. Tabitha’s insights include: · The Creative nature of helping clients achieve financial goals · The importance of building a relationship with a client · Why you need to ensure you qualify for a loan · The uncertainty of regulatory compliance · Why you should prepare your finances before going house shopping Enjoy the show! Connect with Tabitha: Website:www.mbanc.com Facebook: https://www.facebook.com/gombanc/ Instagram: https://www.instagram.com/gombanc/ Twitter: https://twitter.com/gombanc Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 073 Conrad Neufeldt, Mortgage broker Conrad Neufeldt is a Nationally award winning mortgage broker from Saskatchewan, Canada. He is a top 10% mortgage producer in Canada, was one of the first persons from Saskatchewan to receive the Innovator of the Year Award from Mortgage Professionals Canada, and one of the youngest ever to be brought in as a speaker for the National Mortgage conference.
Conrad brings almost a decade of experience as a mortgage broker, and is well versed in residentially securitized debt. Conrad’s insights include:
How Conrad became a mortgage broker
Why problem solving and helping people is Conrad’s favorite part of his job
Why clients need to “trust but verify” their mortgage brokers
The importance of creating relationships with clients
Why you should beware of misinformation from social media platforms such as Tik Tok
How the use of social media and YouTube has benefited Conrad
Enjoy the show! Connect with Conrad: Website: https://skhomebuyersguide.ca/ LinkedIn: https://www.linkedin.com/in/conradneufeldt/ YouTube: https://www.youtube.com/c/ConradNeufeldt Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
- The Grow Your Business and Grow Your Wealth podcast with Gary Heldt
- EP 072 Dan Sheeks, Financial Consultant – Personal Finance Advocate/Entrepreneur/Author Dan is a high school Business/Marketing teacher, real estate investor, and personal finance advocate in Denver, CO. In his 18 years of teaching high school, he has taught a variety of business subjects including personal finance, entrepreneurship, and marketing. Dan’s passions include working with teenagers, advocating for personal finance education, investing in real estate, and promoting the FIRE movement. Embedded in his classes is the co-curricular DECA club in which students travel, compete, acquire leadership skills, do community service, and have fun! His students have competed at the national level in entrepreneurship, personal finance, marketing, and hospitality services with much success over the years. Dan launched SheeksFreaks in late 2019, which is an online community dedicated to helping young people learn money management skills, start investing in real estate, and pursue early financial independence. The SheeksFreaks community aims to help teens use specific methods of saving, earning extra income, and investing to set them on a track to purchase real estate investment properties in their early 20s and achieve financial independence at a young age. Dan and his wife have a variety of real estate investments including multifamily, single family, Airbnb, and out-of-state BRRRRs. They currently have 15 units in Colorado and Michigan. Dan is the Author of First to a Million: A Teenager’s Guide to Achieving Early Financial Freedom - Being released by Bigger Pockets on November 23rd, 2021. Dan volunteers in the MoneyWi$er initiative out of the Colorado Attorney General’s Office with a few other hand-picked experts from around the state. The program strives to advance financial literacy in Colorado secondary education About BiggerPockets Publishing: BiggerPockets Publishing is a sister company to the BiggerPockets Podcast Network. BiggerPockets family of podcasts has generated more than 110 million collective downloads across multiple industries. The BiggerPockets Real Estate Podcast is the #1 Real Estate Investing Podcast and it offers a community of over 1.8 million members. Many of their books become Amazon Best Sellers. Dan’s insights include:
Dan’s journey on deciding to become a high school business and marketing teacher
How SheeksFreaks started
The importance of teaching the younger generation about finances
How parents financial literacy can impact their children’s relationship with money
First to a Million: A Teenager’s Guide to Achieving Early Financial Freedom book topics include personal finance, real estate investing, and early financial independence
Why you should include your children in your money decisions
Enjoy the show! Connect with Dan: Websites: www.biggerpockets.com/teen www.sheeksfreaks.com YouTube: https://www.youtube.com/channel/UC-zSyE5oX0L_npo00xDCsYw LinkedIn: https://www.linkedin.com/in/dan-sheeks-0ab489106/ Book: https://www.amazon.com/First-Million-Teenagers-Achieving-Independence/dp/1947200461 Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/
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Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 071 Dr. Guy Baker, MBA, MSFS, MSM, ChFC, CFP, Wealth Coach, helping clients find efficient and ethical solutions to their financial questions. Also, a Certified Professional Coach at Diversified Professional Coaching, LLC A certified business and wealth coach, Guy has extensive experience in financial planning, investments and life insurance. With over 55 years in the industry, Guy has been featured on numerous talk shows and tele-video conferences, including speaking several times on national and international stage. He was selected as the 78th recipient of the John Newton Russell Award, the Life Achievement award for the Financial Industry and as the 50th recipient of the California Norman G. Levine Life Service Award. He was also named by Worth Magazine, as one of the USA’s top 250 planners and by 5 Star Professional as an 8 times recipient. Guy has lectured at various estate planning council meetings, spoken at CLU Institutes and was featured on six CLU Conferences. A frequent writer, Internet TV guest, speaker and quoted by many media sources. In addition, Guy has lectured internationally, in more than 40 countries. A prolific writer, his most recent book “Simple Retirement Math” follows “The Great Wealth Erosion” which details four factors investors must manage to improve portfolio performance. Other books include “Manage Markets, Not Stocks” and "Investment Alchemy" both are guides to understanding modern portfolio theory. He also wrote “Market Tune-up”, "Why People Buy", and "Baker's Dozen - 13 Principles for Financial Success", each with over 50,000 in print. His bestselling booklet “The Box”, an easily understood guide to the mathematics of life insurance. He also wrote Maximize the Red Zone, a guide for business succession. In this episode, Guy’s insights include:
How wealth coaches differ from financial advisors
The common mistakes people make when gaining wealth
What are the right questions a client should ask
The process to finding the right plan for each individual
Why you need to listen to your clients wishes when planning
Advice he would give his younger self about money management and investments and where he would be today if he knew that information then
How “staying the course” can be the biggest challenge in today’s world.
Enjoy the show! Connect with Guy: Website: https://www.wealth-teams.com/ LinkedIn: https://www.linkedin.com/in/wealthteams/ Blog: https://www.wealth-teams.com/category/blog/ Connect with Gary:
Website: https://sbadvisors.cc/
Facebook: https://www.facebook.com/SmallBusinessAdvisors
LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes -The Grow Your Business and Grow Your Wealth with Gary Heldt -EP 070 Jim Crider, CEO and financial planner - Intentional Living FP Jim Crider is the CEO of Intentional Living FP, a financial planning firm built to help families achieve early financial independence. Prior to starting Intentional Living FP, Jim worked primarily with the standard clients of most wealth management firms— financially successful families seeking guidance with the wealth they’ve accumulated over decades. While he cherished each client he served, he came to find the clients he enjoys most: families that desire to achieve early financial independence for the sake of spending significant time with the people they care about. He is a CERTIFIED FINANCIAL PLANNER™, and the message he tells every client is that his role is to guide— to live where their lives and money intersect so they can live the life they want. The money is simply a tool, a resource that is there to help you live the life you want. When he's not engaged in a conversation with people about life and finances, he can be found chasing around his kids, Atticus, Asher, & Arlo, spending time with my wife, Kendra, or out on an adventure. Jim’s insights include: · How focusing on financial goals could hinder spending time with family · Some of the biggest mistakes clients make before seeking advice · How to leave your 9-5 to start your own business safely · The importance of savings · Spenders don’t have financial independence like you would think · Finding a retirement plan that works for you · How Covid has impacted risk assessment Enjoy the show! Connect with Jim: Website: https://www.intentionallivingfp.com/ Twitter: @JimCriderTX
Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 069 Rachel Burns, Founder & Financial Planner – True worth Financial Planning Rachael Burns is a Certified Financial Planner and Certified Divorce Financial Analyst based in Folsom, California. She is the founder of True Worth Financial Planning, which helps newly single women achieve financial independence after the divorce or death of their partner. Rachael spent 12 years in ‘traditional’ wealth management before a series of life events re-shaped her career path. Shortly before the birth of her twins, her husband was diagnosed with glioblastoma, a rare and aggressive brain cancer. With two babies on the way and her husband undergoing cancer treatment, the uncertainty was overwhelming. Planning for her family’s future was next to impossible, but she felt fortunate that her professional expertise allowed her to quickly adapt their financial plan. Through her own personal experiences navigating grief and finances, she found her calling — to support and empower other women during the most challenging transitions of their lives. In 2020 mid-lockdown, she left the corporate wealth management world and launched her own fee-only firm, True Worth Financial Planning. In her downtime, she enjoys exploring local wine country, searching for new recipes on Pinterest, and chasing after her 3-year-old twin boys. Rachel’s insights include:
The story of Rachel’s family’s challenges and how this led to change focus in her career
What are the things people can put off later in the future while experiencing a difficulty instead of tackling it right away?
The main concern that new clients are having and what does she do to help them overcome it?
The importance of planning to people who are going through a divorce
What are the common mistakes people do when facing a divorce?
Why do we need professional help when dealing with financial planning?
Talking about estate planning for everyone and not only for really wealthy people
Enjoy the show! Connect with Rachel: Website: https://trueworthfp.com/ Instagram: https://www.instagram.com/trueworthfp/ Facebook: https://www.facebook.com/trueworthfinancialplanning/ LinkedIn: https://www.linkedin.com/in/rachaelvburns/ Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/
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Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 068 Bob Porter, Founder & President – Porter Investments Bob Porter is the founder of Porter Investments, a Houston-based money management firm specializing in quantitative, model-driven strategies for individual investors. The firm has worked with PHDs, process engineers, and other industry professionals to develop a series of rules-based investment strategies designed to achieve the goal all stock market investors seek; to participate when the major US equity markets are rising, but protect and in some cases further increase, our asset values during prolonged bear markets. Bob worked for Fidelity Investments before starting the firm. While assisting hundreds of executives and business owners with their investment and retirement plans, he realized that as mere humans, we all fall into the same investment traps over and over. From observing the motivations behind our repeated investment shortcomings, coupled with more recent advancements in technology and software development, his firm has successfully developed and delivered to individual investors a more specialized and focused approach. The models used in the firm’s strategies have successfully protected account values in the bear market of 2008 and the more recent pullbacks of 2018 and 2020. Bob’s insights include: · A story of realization that Bob encountered in a phone call · What makes him passionate about his career? · What questions that new or prospective clients should ask? · The reason why he chose to be in the field of finance · Success being a “lousy teacher” · Challenges that he is facing with Covid · Being a topsoil advisor before, what is it that he wishes he knew when he was just starting? · Why is it important to use a professional with people’s financial planning? · His suggestion on what books should individual investors read
Enjoy the show! Connect with Bob: Contact Number: 713.461.5303 Website: https://porterinv.com Email: info@porterinv.com LinkedIn: https://www.linkedin.com/in/bobporterwithporterinvestments Facebook: https://www.facebook.com/porterinvestments Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/
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Show Notes - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt - EP 067 Chris Gure, Financial Consultant – Fortress Financial Partners Chris is a financial consultant in Fortress Financial Partners. He holds FINRA series 7, 63, and 66 registered with Fortress Private Ledger. He's also been an active volunteer with the Junior Achievement program to help promote financial literacy to students in grades K-12. After graduating from Auburn University's Harbert College of Business with a Bachelor's Degree in Finance, Chris relocated to Raleigh to begin his career in Wealth Management. In addition to being a former nominee for Fidelity's President's Circle Award representing the top one percent of advisors, Chris has also been recognized by the International Association of Registered Financial Consultants for fostering public confidence in the financial industry. Chris’ insights include:
Chris’ journey that led him to be a financial advisor in Fortress and what urge him to pursue his career?
The differentiator between Fortress and a lot of huge fidelity level shops
News headlines being the trigger of people’s financial fear and what does he usually do to help?
What is the biggest mistake that people do and how can they surpass it?
What are the challenges that people are facing and how are they overcoming them?
What is his biggest hiccup when he was just starting in the industry?
The realization that he learned from a client that he is now practicing on a daily basis
Enjoy the show! Connect with Chris: Website: https://www.fortressfinancialpartners.com/ Twitter: https://twitter.com/ChrisGure LinkedIn: https://www.linkedin.com/in/chris-gure-366835a0/ Blog/Newsletter: https://fortressphysicians.substack.com/ Connect with Gary:
Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/
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David takes an empathetic approach to estate planning, recognizing that clients often find it a difficult or uncomfortable topic. He strives to make the process as seamless as possible and works closely with his clients to get to know their family members, their wishes, and their complete financial picture. Because every client is unique, estate planning is continually offering new challenges, and David enjoys creating innovative and actionable solutions for families. After working in private practice and then as a trusted advisor in financial planning practice, David was drawn to Truepoint because of the firm’s unwavering commitment to its clients, which he believes is unique to the industry. What’s more, David is a certified specialist in estate planning, trust, and probate law, licensed by the Ohio State Bar Association, and one of fewer than 200 individuals to hold this designation. Even outside of the office, David is committed to helping families achieve their dreams. After he and his wife struggled with infertility, they created Parental Hope, an organization that raises awareness about infertility and provides support to couples facing their own challenges. To date, Parental Hope has created a support group with over 2,500 members and awarded an increasing number of grants that cover the full cost of IVF, impacting dozens of families. In his spare time, David loves spending time with his wife and children, especially biking, swimming, and watching sports and movies together. He is actively involved in coaching his twins in their various sporting activities and completing home renovation projects. When he can, David also enjoys getting in a round or two of golf. David’s insights include:
His perspective of two mistakes that people are doing with regards to estate planning
Is estate planning important? Do you really need it?
What are the differences between an estate plan and a will?
His insights about the pending legislation and how do they give tranquility to their clients?
Estate planning as a relationship type industry
Do you have to be afraid with estate planning?
Enjoy the show! Connect with David: Website: https://truepointwealth.com/ Facebook: https://www.facebook.com/Truepoint/ LinkedIn: https://www.linkedin.com/company/TruepointWealth/ Instagram: https://www.instagram.com/truepointwealth/ Twitter: https://twitter.com/truepointwealth Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Curtis Bailey is a Financial Advisor at Quiet Wealth Management. His calm and diligent approach to financial planning allows clients to feel comfortable and confident in their financial life. He has been quoted on wealth management topics in national media outlets including The Washington Post, U.S. News & World Report, and Business Insider. Curtis is the debuting author of Quality Time Left, a book on the personal side of retirement. Outside finance, he is an avid reader, a home chef, and a weekend-warrior endurance athlete. Curtis’ insights include:
Curtis’ wave ride to financial services
Financial Advice being much more about life and money
Questions that he wishes his clients are asking him
What are the biggest mistakes that clients are doing?
How can professionals help clients in challenging situations compared to solving them on their own?
The concept of what is the purpose of investing
A book called “Quality Time Left”
Enjoy the show! Connect with Curtis: Website: https://quietwealth.net/ LinkedIn: https://www.linkedin.com/in/curtis-bailey-cfp-crpc-ea-cfa/ Twitter: @quiet_wealth Facebook: https://www.facebook.com/curtis.bailey.969 Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Cecile Hult strives to help hundreds of individuals and families create roadmaps leading to personal and financial success. She serves as a practical resource in every aspect of her clients' financial life - including retirement and estate planning, saving for college, investment management, insurance, budgeting, and cash flow generation. Cecile is focused on financial planning and client education with a highlight and specialized training helping women in transition - specifically while going through a divorce. As a Certified Divorce Financial Analyst®, she seeks to coach and empower women with information as they navigate divorce. Cecile is eager to work alongside her clients as part of their story, helping them live fuller, more meaningful lives as they chart a course toward achieving what is important to them. Cecile’s insights include:
Setting people up for success as a financial advisor
The process of how they are helping people through the financial side of divorce
Her biggest pet peeve that most women are doing
The fear of running out of money
Starting with Basic Financial Education
The definition of wealth
Fiduciary
Enjoy the show! Connect with Cecile: Website: https://argentbridge.com/ Email: cecilehult@argentbridge.com LinkedIn: https://www.linkedin.com/in/cecile-hult-cdfa%C2%AE-cfp%C2%AE-81924943/ LinkedIn: https://www.linkedin.com/company/argent-bridge-advisors/ Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Eric Jaffe is the CEO and co-founder of MOSAIC Wealth Partners, a financial advisory and planning firm based in the Washington, DC area. He serves as the firm's chief strategist and portfolio manager. Eric has worked in the financial services industry for more than 20 years. He particularly enjoys helping pre-retirees and retirees whether the volatility of markets and achieve their personal goals. Eric began his professional career as an attorney first at a private firm in Washington, DC, and then at the United States Attorney's Office for the District of Columbia. Eric’s legal experience helped instill in him the skills he applies to his financial practice today including planning and implementing strategies for the short and long-term, coordinating multiple professionals to achieve clients’ goals, and providing the highest level of client service. Eric’s insights include:
A natural leap from legal training and then moving over to the financial industry
Different situations arise with unique characteristics, certain big picture trends remain consistent
What is the most important thing to know when choosing a financial advisor?
A legitimate issue that most clients are having
Adjusting investment strategy
Why everyone needs a financial plan?
One size fits all approach being a hoax
Enjoy the show! Disclosure: Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Connect with Eric: Contact Number: 877- 840 - 0770 ext.103 Website: https://www.mosaicwp.com/ LinkedIn: www.linkedin.com/in/eric-jaffe-05491b14 Email: ejaffe@mosaicwp.com
Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Business owner, financial planner, award-winning educator, and pizza aficionado Justin Goodbread launched his first business when he was 15. From Brunswick, Georgia, he grew up running around barefoot and chasing alligators. His love for helping others with their finances evolved over time, but it began with a dare. A friend bet $5,000 Justin wouldn’t be able to pass three financial tests. With only a month to study, Justin passed the first time. That ultimately led him to become a CERTIFIED FINANCIAL PLANNER™ and later added Certified Value Growth Advisor® and Certified Exit Planning Advisor to his expertise. Justin is the owner of Financially Simple, a portal that helps business owners manage their business, wealth and ultimately sell their business in preparation for retirement. Financially Simple has been featured nationally in Forbes, Fox News, NerdWallet, Yahoo! Finance, and Investopedia. Justin runs the Financially Simple blog, podcast, and YouTube channel. He’s been named Knoxville, Tennessee’s 40 Under 40, Investopedia’s Top 100 Advisor, Exit Planning Institute’s Leader of the Year, and more. He’s been a featured speaker for the Exit Planning Institute, University of Tennessee MBA Finance Department, various professional workshops, and more. In his first book, The Ultimate Sale, Justin revealed how small business owners could build a business that can be sold for maximum profit. He offered simple, useable advice to help folks navigate business sales, mergers, or buyouts to ultimately prepare them for the next chapter in their lives. In this episode, Justin’s insights include:
The ultimatum Justin got when he was only 15 that led him to get into the business world
Your baby’s ugly principle
What is a backward engineering process?
Eight key areas of business
Tax as one of the greatest wealth drivers
“The more that we give away, the more we receive.”
Two common mistakes that he is seeing business owners make.
What are critical success factors?
“Go fast, go alone. Go far, go together.”
Enjoy the show! Connect with Justin: Website: https://heritageinvestor.com/ Website: https://justingoodbread.com/ LinkedIn: https://www.linkedin.com/in/justingoodbread/ Facebook: https://www.facebook.com/justingoodbread/ Twitter: https://twitter.com/justingoodbread YouTube: https://www.youtube.com/c/FinanciallySimple Book Your Baby's Ugly: https://justingoodbread.com/your-babys-ugly/ Connect with Gary: Website: https://sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Roger Royse, attorney and partner at Haynes and Boone, LLP, has practiced everywhere from oil patches, Wall Street and Hollywood. He has spent 30 years working in Silicon Valley specializing in tech and is currently involved in the revolutionary business of agriculture tech, how food gets produced and delivered. Roger practices in corporate and securities law, domestic and international tax, mergers and acquisitions, and fund formation. He’s been an instructor or professor of legal, tax and business topics for the Center for International Studies in Salzburg, Austria, Golden Gate University School of Law and Stanford Continuing Studies. Through all his work, Roger has witnessed mistakes that startups repeatedly make in the areas of IP, proper documentation, and contracts that lead to long-term consequences for future investment. We discuss: · The common mistake of not having proper documentation. · Why it takes a specialist for tech startups. · California and employee protection laws spreading across the country. · Assigning IP to the correct place. · The challenge of educating clients to ask the right legal questions. Enjoy the show! Connect with Roger: Website: https://www.haynesboone.com/ LinkedIn: https://www.linkedin.com/in/rogerroyse/ Facebook: https://www.facebook.com/haynesboone/
Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
After negative experiences and struggling to find the right financial advisor for his family, Adam Doran left his 16-year career as a police officer and studied to become a financial advisor to do things differently. Adam is a wealth advisor at Prevail in Kansas City, and he believes traditional financial planning has fallen short, that it takes control out of the client’s hands and at Prevail they work to give more control back to the client. He sees working with clients as a collaborative process, educating clients on the importance of tax strategy, having access to money when it’s needed and mitigating market volatility. Adam specializes in working with real estate investors and small business owners on creative capital strategies to build tax-free wealth while maintaining growth and liquidity. His personal story and passion for doing purposeful work and making a difference in people’s lives come across loud and clear in our conversation. Highlights include: · Why everyone needs a financial board of directors. · Using software for clients to understand what budgeting entails. · The foundation of a backstop. · Predictions and challenges in trading markets and life insurance. · Strongly encouraging clients to have a diverse asset mix. · Owning businesses and real estate. Enjoy the show! Connect with Adam: Website: https://prevailiws.com/Adam-Doran-1 LinkedIn: https://www.linkedin.com/in/adamdoran33/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Jeremy Held is a Managing Director in charge of Bow River Capital’s registered asset business, including the firm’s Evergreen Platform. Jeremy guides the strategic direction, investment oversight, research and product development of the firm’s registered products. In our conversation, Jeremy gave invaluable insights into the world of private funds, and he shares the uniqueness and opportunity of the company’s new Bow River Evergreen Fund. The company is also launching a new real estate fund this year that follows more of a traditional private equity format, investing in the growing US Rocky Mountain region. Prior to joining Bow River Capital, Jeremy was the Chief Investment Officer at ALPS Advisors, a Denver-based asset manager that specializes in real assets and alternative investments. As CIO, Jeremy handled the ALPS Asset Management business and helped it grow to more than $20 billion in AUM. Jeremy’s insights include: · Understanding private equity investing, including risks. · Private markets are growing three times faster than public markets. · Qualifying purchasers for their private funds. · Bow River Capital’s private funds allow for low entry points and diversification. · How the company is opening up private markets to a wider range of investors. Enjoy the show! Connect with Jeremy: Website: https://www.bowrivercapital.com/ LinkedIn: www.linkedin.com/company/bow-river-capital-partners LinkedIn: https://www.linkedin.com/in/jeremy-held-185b012/ Evergreen Fund: https://www.bowriverevergreen.com/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The conversation today is with a Chartered Financial Planner from the UK. Joshua Gerstler, FPFS, is with The Orchard Practice, where for the past 11 years he has provided comprehensive financial planning with an expertise in mortgages, protection, pensions and investments. Prior to this position, Joshua was a Chartered Accountant at Deloitte working with multi-national organizations. Although Joshua’s background in accounting gives him a great understanding about money, taxes and balancing the books, he prefers working on the financial planning aspect for his clients and enjoys the direct impact he can have on their lives. In our conversation, we discuss: · Helping people understand how long their money will last. · Serving clients with a minimum asset level. · Clients should ask if they are on track for reaching financial goals. · Preparing for change-anything from Covid to Brexit. · The pros and cons of meeting clients on Zoom. · The importance of listening to a client. Enjoy the show! Connect with Joshua: Website: https://www.topfs.co.uk/ LinkedIn: https://www.linkedin.com/in/joshuagerstler LinkedIn: https://www.linkedin.com/company/the-orchard-practice Twitter: https://twitter.com/JoshGerstler Twitter: https://twitter.com/Orchard4Advice Facebook: https://www.facebook.com/orchard4advice Podcast: https://shows.acast.com/inforapennypodcast Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Patti Black, CFP and Partner at Bridgeworth Financial has been in the financial planning business since being inspired by a financial planning course she took in college. Now, with over 20 years of experience, Patti is a fiduciary and helps affluent clients align their goals and their money. Patti has been quoted in many national media outlets including Forbes, Barron’s, Kiplinger’s, US New and World Reports, Financial Planning Magazine, Investment News, Market Watch, and Real Simple. One of Patti’s favorite contributions is leading the firm’s Bridgeworth University, the company’s education and mentoring program for newer advisors. In our conversation, we discuss: · The mistake of not knowing all of your expenses. · Preparing for financial unknowns. · The importance of a financial team and backup. · How fiduciaries work and their fee structures. · Why both spouses should get involved in the financial planning process. · Training new employees at Bridgework University. · Tax planning and inheritances. Enjoy the show! Connect with Patti: Website: https://bridgeworthfinancial.com/ LinkedIn: https://www.linkedin.com/company/bridgeworth-llc/ Facebook: @bridgeworthllc Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Adam P. Smith has written billions of dollars in mortgage and finance deals. He is the President and Founder of the Colorado Real Estate Finance Group, a Commercial and Residential Real Estate Finance Firm. The company specializes in helping both individuals and corporations with real estate, personal and corporate finance. Adam’s best-selling sales book, Just The Tips, and has been published in many trade publications including Kiplinger, AAA Magazine, Bank Rate, Mortgage Professional America, Fit Small Business, Mortgage Professional America, National Mortgage Professional Magazine, and many more. Adam has also been a guest and host for the syndicated radio program Experience Pros, and hosts the live podcast, How I Met Your Mortgage. In our conversation, Adam shares expert advice on what to understand and consider in choosing your finance person and real estate loan options, including: · How a credit score affects your mortgage rate. · Mortgage loans to choose from. · Know there are dozens of different credit scoring models. · Mortgage industry credit score services differ from consumer reporting services. · Know your debts and debt to income ratio. Enjoy the show! Connect with Adam: Websites: https://corefinancegroup.com/ www.justthetipscoaching.com LinkedIn: https://www.linkedin.com/in/theadampsmith/ YouTube: www.YouTube.com/theadampsmith Instagram: www.instagram.com/justthetipscoaching Twitter: https://twitter.com/AdamPSmith1 Podcast: How I Met Your Mortgage: https://tinyurl.com/y6899p87 Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Carrie Harrington says her favorite topics to talk about are death and taxes. She says it with a sense of humor as she tries to make clients comfortable speaking about the topics and reminding them that having conversations and creating a plan is better than nothing, even if it’s not perfect. Carrie, Partner and Chair of the Trust & Estates Group, Levenfeld, Pearlstein, was named Illinois Super Lawyers, Rising Star 2017-2021 and Emerging Lawyer, Leading Lawyer Network. She has been a member of the Chicago Estate Planning Council since 2014. In her practice, Carrie provides estate plans, generation-skipping trusts, gift planning, real estate transfers, and several other estate planning tools and options. She also assists financial institutions with trust and estate administration. In our conversation, Carrie gives valuable insights on things to consider with your estate planning. We discuss: · If there are multiple children, just pick one for decision making. · The difference of a beneficiary to what’s stated in a will. · How to avoid probate. · Understanding trusts and determining if it’s right for your situation. · Resources for finding an attorney for trusts and estates. · Portability of tax exemptions and keeping up with Congress. Enjoy the show! Connect with Carrie: Website: https://www.lplegal.com/home LinkedIn: https://www.linkedin.com/in/carrieaharrington/ LinkedIn: https://www.linkedin.com/company/levenfeld-pearlstein/ Facebook: https://www.facebook.com/lplegal1 Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Matthew Bourhis, attorney at Bourhis Law Group, represents claimants in disability, homeowners, and business insurance. He frequently writes about disability insurance and bad faith, with his articles appearing in the L.A. Times, Daily Journal and other media outlets. Matt believes that the law in an incredibly powerful tool and it’s his responsibility and privilege to use the law to help individuals that are being ripped off by insurance companies. Prior to joining Bourhis Law Group in 2017, Matt served the California Supreme Court, where he handled habeas corpus petitions and death penalty cases. In our conversation, Matt clearly states that currently there is a relationship between policyholders and insurance companies that should not require the intervention of a lawyer. He wants to create a fair insurance system and empower people with education so they do not have to hire legal representation. In this episode, we discuss: · Insurance companies have limitless resources and informational advantages. · The kinds of questions about fees that clients should ask. · Resources to find good representation. · Persistence in disability cases always pays off. · Trying to make the insurance industry fair for ordinary policyholders. Enjoy the show! Connect with Matt: Website: http://www.raybourhis.com/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Julian Morris, Principal and Founder Concierge Wealth Management, was the first to coin the term concierge when he started the company. He is passionate about educating the public, as well as those who present themselves as financial advisors, that there is an enormous difference between investment advice and integrated financial planning. Prior to starting concierge Wealth, Julian, a Certified Financial Planner, was a Franchise Owner and Senior Financial Advisor at American Express Financial Advisors, now Ameriprise Financial. Julian is a lifelong learner who continues to recognize cognitive finance and how people make decisions based on behavior. Julian shares how he approaches serving his clients, including: · Looking for opportunities to invest Roth IRA money. · Making progress towards the client’s goals and dreams, not rates of return. · The importance of using a professional. · Understanding the different facets of the financial plan. · Bring in the team including the tax professional, estate planner and others. · Educating clients daily on LinkedIn. Enjoy the show! Connect with Julian: Website: https://www.conciergewm.com/ Facebook: https://www.facebook.com/ConciergeWM/ LinkedIn: https://www.linkedin.com/in/julianbmorris/?advisorid=73004541 Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
The first job out of college for Taylor Jessee was working at a Big 4 accounting firm with ultra, high-net worth clients in the ten-million dollar plus club. Jesse holds a BBA and Master’s Degree in Accounting from Baylor University. After working for three years, Taylor knew he wanted to be in the personal finance industry where he could really make a difference in helping people, especially those just starting their careers. Today, Taylor is the Director of Financial Planning at Taylor Hoffman in Richmond, Virginia. One of his exciting projects is working on an app aimed at young professionals to help them get access to investment experts and financial planners. An app like this helps to democratize the system of being able to reach financial professionals who may not pay as much attention to those just entering the market or have a barrier to entry. Highlights from our conversation include: · Why clients should ask about financial advisor’s fees. · Why you should not sit on all your cash. · How to determine what cash you should have on hand. · Investing and the gift of time for people in their twenties. · The new iPhone app in development-Vetus. Enjoy the show! Connect with Taylor: Website: https://taylorhoffman.com/ Learning Center: https://taylorhoffman.com/learning-center/ Waitlist for Young Professionals App: https://taylorhoffman.com/avidus/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Throughout the US, corporations understand how American investors and organizations are requiring businesses to take on more social awareness issues and be sustainably attractive. Individuals are actively looking for investment opportunities to align with their personal values. George Gay, CEO of First Affirmative Financial Network, is an investment industry disruptor, and is known as the father of Environmental, Social and Corporate Governance Investing (ESG), starting in the 1980s. First Affirmative’s unique tools maximize returns and multiply client’s impact with Sustainable Investment Solutions. Their proprietary AffirmativESG platform enables advisors to work with their clients to assess their financial and impact goals through the socially responsible filters of their choice. In our conversation, George shares how ESG investing is catching on fast and other topics, including: · People don’t realize their investments can match their values. · Definitions of ESG and Sri investing. · A person’s value is reflected in their checkbook. · Questions people should ask about who is acting in a fiduciary relationship. · How Robo products work, and why a human advisor is helpful. · The responsibility of teaching others to be more than what they are. Enjoy the show! Connect with George: Website: https://www.firstaffirmative.com/ LinkedIn: https://www.linkedin.com/company/first-affirmative-financial-network/ Facebook: https://www.facebook.com/FirstAffirmative Twitter: https://twitter.com/first_affirm
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While playing football at Florida State University, Ross knew he had a talent in finances and so did his personal financial advisors at Strategic Wealth Specialists. Ross then became a financial advisor himself and has been with the company for 11 years. Today, Ross concentrates on serving dentists, physicians and business owners across the country looking to maximize their earning, investing, and wealth potential while minimizing risk and possibility for loss. Ross encourages his clients to look at their financial health’s big picture and then identifies opportunities to optimize their priorities. He also helps his clients to prepare for life’s curveballs, grow their balance sheets and get an optimal rate of return for their current and future goals. In our conversation, Ross gives advice that every investor needs to consider, including: · Knowing that saving is actually more important than the rate of return. · The misinformation of 401Ks. · Knowing how retirement money is taxed. · Diversifying taxes-tax free, taxable and tax deferred. · What financial planning really entails and coordination of your team. · How people in the U.S. get rich. Enjoy the show! Connect with Ross: Website: https://rossbrannon.com/ LinkedIn: https://www.linkedin.com/in/rossbrannon/ Facebook: https://www.facebook.com/RossBrannonFA/
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Aviva Pinto, Managing Director of Wealthspire Advisors in New York, with 11 offices across the US, is a wealth advisor who guides people in transition to get on the correct financial track. She’s a Certified Divorce Financial Analyst who helps people navigate the financial aspects of the divorce process, and a Financial Analyst who advises those who just sold their business, have received an inheritance, or may face a lifestyle change because of a partner’s passing. Aviva’s mission is to help people get back to the basics of figuring out how much money is needed for the entire length of one’s life and then setting up a budget for clients to follow. Aviva is direct, honest and has the patience to educate her clients while also partnering with a client’s team, including a divorce attorney, accountant and others. In our conversation, Aviva spoke about some mistakes people make during the divorce process and advice people in transition should consider, including: · Financial consideration with assets, such as a house or stocks, in the divorce process. · The formula for figuring out expenses and accounting for inflation. · The importance of a budget. · Look at the historical market performance verses making quick decisions during fluctuations. · Helping clients determine their net worth. Enjoy the show! Connect with Aviva: Website: https://www.wealthspire.com/ LinkedIn: https://www.linkedin.com/in/avivapinto/ Connect with Gary:
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Jeffrey Loyd is Co-Owner & Mortgage Broker, Mortgage Acuity Team. He started his career as a mortgage broker 18-years ago but left the industry to work in senior roles managing banking Loan Officers working in retail and asset management. After working at JP Morgan Chase, HSBC, and Bank of America, Jeffrey branched out to re-enter the mortgage industry, this time with a focus on homeowners and homebuyers. Jeffrey has knowledge in all aspects of real estate and especially enjoys working on the details of financing and problem solving. In our conversation, we covered several topics including: · People should pick mortgages based on their overall financial goals. · How the mortgage industry has changed throughout the years and because of Covid. · How Jeffrey’s company differs from other mortgage brokers. · Preparing customers and managing expectations for mortgages. · Managing attention and being productive. · Educating clients and real estate investment advice. Enjoy the show! Connect with Jeffrey: Website: http://mortgageacuity.com LinkedIn: https://www.linkedin.com/in/jeffreyloyd/ Facebook: https://www.facebook.com/MortgageAcuityJeff Twitter: https://twitter.com/JeffreyALoyd Blog: jeffreyloyd.medium.com/follow
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There are only 350 Certified Exit Planners, CExP, in the country and Chris Kampitsis is one of them. He is also a Certified Family Business Specialist which allows him and his SKG Team, a team within the Barnum Financial Group to provide specialized advice. His team of eight advisors and eighteen support members caters to corporate leaders and small business owners, helping them with their personal and corporate planning. Chris has spent most of his career focused on educating individuals through financial literacy workshops inside of Fortune 500 institutions and other large corporations. And through his experiences he knows how to help his clients overcome fears, mistakes and obstacles as they plan to exit their business. In our conversation, Chris shares his insights and advice including: · Find an advisor that is a fiduciary and aligns with your values. · Do an analysis first to learn how and when you can retire. · Question retirement goals and build a plan around that. · How Covid and technology have changed the financial environment. · Selling a business may have a different timeframe than the owner expects. · Putting together your financial team including CPA, insurance professional, attorney and wealth manager. Enjoy the show! Connect with Chris: Website: https://www.skgbarnum.com/ LinkedIn: https://www.linkedin.com/in/chriskampitsis/ Facebook: https://www.facebook.com/skgbarnum Connect with Gary:
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Todd Bryant, Founding Partner with Signature Wealth Advisors, LLC., leverages the support of a large and well-established organization, while still offering an intimate environment to work with clients to achieve their financial goals. Todd started his career in finance as a Financial Representative at Northwestern Mutual. Over the years, he continued his financial education and is a Certified Financial Planner™ Practitioner CFP®, Accredited Investment Fiduciary AIF®, Chartered Financial Consultant ChFC®, and Chartered Life Underwriter CLU®. He holds the Series 6, 7, 63, and 65 investment licenses and the 215-insurance license. In our conversation, Todd share insights on his journey including: · The story that propelled him to help people. · Unique approaches to marketing. · The urgency of planning for retirement that people overlook. · The mistake of thinking selling a business will be the retirement plan. · The process of preparing for retirement. · How working with a professional keeps people’s financial goals on track. Enjoy the show! Connect with Todd: Website: https://www.signaturewa.com/ LinkedIn: https://www.linkedin.com/in/toddabryant/
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Alan Schoenberger, Founder of Endeavor Financial Planning LLC, considers himself to be an investigator or detective for comprehensive financial planning. Alan likes to dig, research and analyze, until he’s able to help clients reach their financial goals based on individual needs and desires. For nearly 30 years, Alan has helped start-ups and existing small business owners create and manage their budgets, analyze their financial data, and plan for the future. His expertise in financial strategy has been quoted in articles in US News and World Report, and Business Insider. Alan’s detective style questions give clients lots to think about regarding how they plan for retirement, and he gives them specific strategies they can use to develop and stick to their financial budgets. In our conversation, we discussed: · Determining the right investment mix based on goals and risk tolerance. · Figuring out the retirement lifestyle. · The importance of creating a plan and tax implications. · Stock market mistakes. · Proper day-to-day budgeting. · Financial communications with family members. Enjoy the show! Connect with Alan: Website: www.endeavorfp.com LinkedIn: https://www.linkedin.com/in/alanschoenberger/ Facebook: https://www.facebook.com/EndeavorFinancialPlanning Instagram: @endeavorfinancialplanning Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Tony Fiorillo is President of Asset Management Strategies, Inc., a Registered Investment Advisory. Tony has a tax background and has specialized in investments for over twenty years. To help clients make better informed investment decisions, he has designed a proprietary online platform to support participants of 401K, 403b and 457 Plans nationwide. His firm also supports clients by working with accountants and attorneys, including the largest national law firm that specializes in litigation against stockbrokers. Tony's credentials also include studying International Business at the University of London, and Investment Decisions and Behavioral Finance at Harvard University. He has been featured in the Wall Street Journal, Bloomberg Wealth Management, Money Magazine, Smart Money, Indianapolis Star, and accounting trade journals. In our conversation, Tony shares his expertise and how his firm works with clients including: · Teaching how fee verses commission-based scenarios affect your accounts. · Taking the emotions out of investing with a proprietary online platform. · Translating and helping clients understand tax investment language. · Helping clients understand the stock market. · Building a firm foundation for your investment portfolio. Enjoy the show! Connect with Tony: Website: https://www.amsria.com/ Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Dan Nguyen is an attorney who helps entrepreneurs in the areas of LLC/Corporations, trademarks, franchising, and estate planning. He is also the author of two best-selling books, Making Your Mark, a trademark book for entrepreneurs and Don’t Sue Me, on employment law. Dan is the host of the Intentional Entrepreneur Podcast, and has appeared on US News and World Report, American Express OPEN Forum, Fundera, and Legal Zoom. Because of Dan’s experience in working with a wide variety of industries, he can share that knowledge to benefit his clients. In our conversation, we discussed: · Picking the correct entities or franchise entities-LLC, LLP, Inc. · Creating the correct articles of organization. · Operating agreements and their importance. · Forming the right team for your small business or corporation. · Trademarks. · Consider franchising to expand your business profile. Enjoy the show! Connect with Dan: Website: www.dxnguyen.com LinkedIn: https://www.linkedin.com/in/dxnguyen Twitter: https://twitter.com/danxnguyenESQ Instagram: https://twitter.com/danxnguyenESQ YouTube: https://www.youtube.com/channel/UC0UZ2aixGQG5oXQR5suv3dw?view_as=subscriber Connect with Gary: Website: sbadvisors.cc/ Facebook: facebook.com/SmallBusinessAdvisors LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/ Learn more about your ad choices. Visit megaphone.fm/adchoices
Randy Kurtz, CFP, RIA is a nationally recognized expert on risk. He went from being a great stock picker at Bear Stearns to starting his own company and picking stocks for wealthy clients. Randy felt he was doing a disservice for his clients by not looking at their long-term financial goals. There was a need to help them create diversified financial plans. Using his stock picking knowledge and love for Excel sheets, Randy developed his Data Driven Advisor program to transform an advisors’ business with super diversified portfolios. The Data Driven Process aims to lower volatility and reduce a portfolio’s range of outcomes. Lower risk does not mean lower returns, but it means less fluctuation, meaning the advisor can better address the client’s concerns. In our conversation, Randy explains his Data Driven Advisor program and other topics including: · The fears of clients-building assets for retirement and then questioning, “Is it enough?” · Randy’s game of risk and how to control it. · The three buckets of investments. · The advice of a professional for understanding outcomes of financial plans. · Retirement-financial and life plans. · Roth conversions. Enjoy the show! Connect with Randy: Website: www.upperleftwealth.com LinkedIn: https://www.linkedin.com/in/mrdiversification Twitter: @MrUpperLeft
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Raymond Prospero, ChFC®, is a Partner Advisor with Advice Period. Ray helps clients develop realistic financial goals, designing wealth management strategies to help preserve wealth for future generations. Ray launched his financial services career when he joined Merrill Lynch in 2010 after a legal career, where he was admitted to the United States Tax Court. While at Merrill Lynch, Ray was a Senior Vice President and a member of their Circle of Excellence recognition club, reserved for top-performing advisors nationwide. He holds a Juris Doctorate degree from the University of La Verne College of Law and earned the Chartered Financial Consultant® (ChFC®) designation from The American College of Financial Services. In our conversation, we discussed: · People need, but often neglect estate planning. · Using Right Capital, a cash flow and financial planning program that’s data driven. · A relationship approach is more satisfying than old-school transactional work. · Market awareness with the new administration. · Being proactive for clients. · The difference between a Registered Investment Advisor (RIA) and a broker-dealer. Enjoy the show! Connect with Ray: Website: https://www.adviceperiod.com/?team=ray-prospero-2 LinkedIn: https://www.linkedin.com/in/rcprospero
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Olivia Summerhill works only with affluent women, protecting their lifestyle throughout the divorce process. She works closely with her clients’ divorce attorneys, mediators, and wealth managers to negotiate the most helpful financial settlements. Olivia is one of few financial professionals to hold Certified Financial Planner, Certified Divorce Financial Analyst, and Behavioral Financial Advising credentials. Olivia has worked in the financial industry throughout her career, but made the pivot to work with this specialized market during this past year. The transition came easily, given her past work and the desire to help this group of women. In our conversation, Olivia speaks about how she helps women during the divorce process, including: · The big question- “Can I keep the house and my lifestyle?” · The time to do a financial checkup. · Finance 101 and budgeting. · Reviewing the paperwork from life insurance, tax returns and credit card points. Olivia also gives advice on balancing time and setting boundaries. She needs to practice what she preaches as she prepares for an Ironman! Enjoy the show! Connect with Olivia: Website: www.summerhillwealth.com LinkedIn: www.linkedin.com/in/oliviasummerhill Podcast: https://podcasts.apple.com/us/podcast/divorce-for-wealthy-women/id1546130936?i=1000503911523
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Sundance Brennan is the Branch VP of Training & Sales for American Financial Network, Inc. Sundance has made a 20-year career of helping people, making the American dream of owning a home a little easier. Sundance has a three-step plan to help borrowers uncover their financial goals and making sure mortgage, debt, and credit planning are included. Also, to his credit, Sundance is a professional sales coach and Amazon best-selling author of The Art of SalesFu: 10 Steps to Selling Anything over the Phone. In our conversation we discussed: · What questions to consider when refinancing. · The undeserved bad rap of the mortgage industry. · Finding the right credit repair professional. · Coaching others to become better sales professionals. · Mortgage trends to watch. Let us know how much you enjoyed this episode. Connect with Sundance: Website: www.thesalesnerds.com LinkedIn: www.linkedin.com/in/sundancebrennan/
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Simon Popple is the Managing Director of Brookville Capital. The company provides Simon with daily contact to institutions such as pension funds, sovereign wealth funds, private banks and family offices seeking to deploy capital in commodities. Rather than investing in actual commodities, Simon specializes in researching and finding the right commodity companies to invest in. You can learn more in his weekly, Brookville Capital Intelligence Report. In our conversation, Simon gives insights on how to invest and advice on what it takes to be a smart investor including: · How to invest in commodities. · Providing research and insights into a sector. · Look at difference currency through commodities. · Common commodity investment mistakes. · Cautions to investors. Let us know if you enjoyed this episode.
Connect with Simon: Website: www.brookvillecapital.com
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Brian Carney is the co-founder of RiversEdge Advisors, LLC. Two weeks after starting his career as a financial advisor, 911 happened. Brian persevered and along the way he started a financial planning firm with his two best friends. He made the leap to starting his own firm, because of his desire to help clients understand their personal finances and reduce financial anxiety. In our conversation we discussed: · The difference between a financial planner and investment manager. · Helping clients to stay organized and focused on financial goals. · Eliminating the emotions out of financial decisions. · Creating your team for a successful financial plan. Brian and his team work to keep clients on track with the goal of building net worth. He also helps business owners through his podcast, Happy Half Hour with an Entrepreneur. Connect with Brian: Website: https://riversedgeadvisors.com/ Instagram: https://www.instagram.com/riversedgeadvisors_llc/ Twitter: https://twitter.com/RiversEdge_LLC Linkedin: https://www.linkedin.com/company/riversedgeadvisors/ Youtube: https://www.youtube.com/channel/UC12-pT6ZGV7Wukj1mCxcFPA?reload=9&view_as=subscriber Podcast website: https://www.happyhalfhourwithanentrepreneur.com/
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Sarah Carlson is the owner of Fulcrum Financial Group based in Spokane, Washington. Sarah has a system to help people navigate the many complexities that money can bring to life. She works to help simplify the process, whatever the dream may be, from early retirement or traveling the world, to leaving a legacy for future generations, or something else. Sarah’s credentials include being a graduate of Yale University, a Certified Financial Planner™, Chartered Life Underwriter®, and Chartered Financial Consultant®. Her areas of experience include securities, trust, wills, investments, and retirement planning. In our conversation, Sarah talks about her system and other topics including: · Find the proper financial people with right tools to help you. · The difference choices available for retirement planning. · Understanding a client’s tolerance to investment risk. · Elder abuse–when parents do too much for their adult children. · Using her systematic process (software) to integrate with all your investments. Sarah’s process is a bullet proof plan to help clients understand and meet their individual investment needs. Get ready to take notes. Enjoy the show! Connect with Sarah: Website: http://www.fulcrumfinancialgroup.com Facebook: https://www.facebook.com/FulcrumFinancialGroup LinkedIn: https://www.linkedin.com/in/sarah-carlson-cfp%C2%AE-chfc-clu/
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Steven Goodman, President and CEO of SHG Planning, specializes in business succession planning, which is helping business owners deal with the succession to their families, partners, and key employees. Steven also works in estate planning and gets involved in the sophisticated design of people’s retirement plans. Steven is a skilled CPA with a multidisciplinary background. He has the expertise of an attorney, investment, pension, and insurance person, which is extremely beneficial for his clients. He currently services hundreds of clients focusing on the needs of owners of closely held businesses and high net worth individuals. In our conversation, Steven talks about: · The obstacles people run into with business succession planning. · The importance of business owners dedicating time to planning. · The benefit of using trusts and why. · Critical conversations for exit planning with partners, spouses, and children. Take advantage of Steven’s free book and the informative articles on his website! Connect with Steven: Website: https://www.shgplanning.com/ LinkedIn: www.linkedin.com/in/stevegoodmanshg/ Free Book: stevengoodman.biz
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Jeff Link is an Investment Advisor Representative at Guardian Wealth Advisors, LLC and the founder of the BLUE LINE INVESTING® process. Jeff’s investment philosophy and strategy changed shortly after the stock market downturn of 2008–2009. After suffering significant losses in the stock market for the second time within a decade, Jeff decided enough was enough. His personal research into analyzing stock market trends led to a strategy to manage risk that set him apart from traditional financial advisors. Today, Jeff puts his research and knowledge to work helping his clients grow and preserve their wealth in a risk-managed and tax-efficient way. Jeff discusses how his research into the history of the stock market led to his BLUE LINE INVESTING® process. Jeff also talks about: · The financial industry doesn’t teach what makes markets rise and fall. · Being proactive to minimize financial losses. · Three questions to ask your investment professional. · What is the specialty of your investment professional? · Understanding the difference between wealth and risk management. Be sure to check out Jeff’s new book, Protecting the Pig: How the Stock Market Trends Reveal the Way to Grow and Preserve Your Wealth. Connect with Jeff: Website: http://protectingthepig.com/ Website: bluelineinvesting.com LinkedIn: https://www.linkedin.com/in/bluelineinvestingjefflink/
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Eric D. Brotman, CFP™, AEP, CPWA is a financial advisor, wealth manager, mentor, and host of the podcast Don't Retire...Graduate! As CEO of BFG Financial Advisors, he has been advising his clients on investing, risk management, retirement, and financial planning for over 25 years. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Eric Brotman about helping people understand their finances. Here are some of the beneficial topics covered on this week’s show: ● How taking care of finances is not something people learn in school. ● Why it’s impossible to reach financial freedom without financial literacy. ● How people should look at retirement as graduating to the next phase of their life. ● How people shouldn’t be defined by the roles they play in their careers. ● Why retirement doesn’t have to happen at a certain age. Connect with Eric: Website: brotmanmedia.com Website: financialplanningforall.com Twitter: @brotmanplanning Facebook: facebook.com/DontRetireGraduate
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Aaron Nannini is the founder of CashUncomplicated.com, a personal finance website. As an everyday person with an average salary, Aaron achieved financial success through implementing basic and uncomplicated principles such as life goals, daily habits, intentional money decisions, and a value-based spending mindset. After struggling with money in his twenties and sick of living paycheck-to-paycheck, Aaron started educating himself on personal finance. Through years of intense study and practice, he went from barely getting by each month to complete financial clarity and harmony—all in less than five years. He wants to pass that knowledge to you and believes that anyone can achieve financial freedom without sacrificing their lifestyle or happiness. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Aaron Nannini about his upcoming book Cash Uncomplicated. Here are some of the beneficial topics covered on this week’s show: ● How every month people need to have some sort of financial win. ● Why it’s important to have a mindset that focuses on the things you value. ● How some people need to take a step back and take a macro look of their life. ● Why value-based spending allows people eliminate excessive spending. ● How people should automate their bills and put the money in an account they can’t access. Connect with Aaron: Website: CashUncomplicated.com Twitter: @CashUncomp Facebook: facebook.com/cashuncomplicated LinkedIn: linkedin.com/in/aaron-nannini-81a2a6200
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Geoffrey Kunkler joined Carlile Patchen & Murphy LLP in 2014 and has been a Partner since 2018. His practice is centered around estate planning for individuals and business owners, as well as asset protection planning for retirees. He focuses primarily on the areas of estate planning, elder protection, estate administration, charitable and philanthropic planning and special needs planning. He also has extensive experience in conducting educational seminars on legal topics related to his expertise. 2016, 2018-Present. He was named Top Attorneys Rising Stars for 2020 by Columbus Monthly. Geoff has been rated AV Preeminent® by Martindale-Hubbell® since 2017. He has also been listed as one of Ohio Super Lawyers magazine’s “Rising Stars” since 2018, and was listed in Columbus Business First magazine’s Class of 2020 ‘Forty Under 40.’ Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Geoffrey Kunkler about estate planning for businesses and individuals. Here are some of the beneficial topics covered on this week’s show: ● How the same tools can be applied in both elder law and estate law. ● Why estate planning is the best way to control where your assets end up. ● How people need to go over their estate planning regularly. ● Why people should hire and estate planner to help prepare a trust. ● How it’s important to have a legal plan when going into business with a partner. Connect with Geoffrey: Links Mentioned: cpmlaw.com Guest Contact Info: Twitter @CMPLaw Instagram @cmplaw_oh Facebook facebook.com/CPMlaw LinkedIn linkedin.com/company/carlile-patchen-&-murphy-llp
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Rob Schulz is the founder and President of Schulz Wealth. He grew up in a small, Central Texas town and attended The University of Texas. In 1990, in the span of only six months, he got married, graduated with his accounting degree, was commissioned as a naval officer, and subsequently lost my dad to a sudden heart attack. Rob grew up quickly that year. Over the next four years, he lived in Newport, RI, Virginia Beach, VA, and Charleston, SC while he served as a Surface Warfare Officer aboard the USS John Rodgers, a Spruance class destroyer. Rob loved his job but found it difficult to balance sea duty with home life, so he resigned his commission in 1994 and moved back to Texas. Rob knew what he wanted to do, but didn’t know how to do it, so he took a commission job with a financial services firm – The Principal Financial Group. He learned a lot from some really great people at Principal, but after a few years, he decided to launch into an independent firm called First Texas Financial Services with four other partners. It was during this transition that he achieved his Certified Financial Planner designation. At First Texas, they specialized in businesses and their owners. We were a one-stop shop for insurance, benefits, 401(K), and investments, so he found himself wearing many hats. What Rob really loves and enjoy doing is financial planning and asset management. With this in mind, he sold a big chunk of his business and launched Schulz Wealth on his own in 2014. Now he is able to focus solely on my true calling. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Rob Schulz about financial planning and wealth management. Here are some of the beneficial topics covered on this week’s show: ● Why having a financial plan is incredibly important for everyone. ● How a good team is vital to the success of any business. ● How there can be a lot of stress in the initial parts of financial planning. ● Why meeting quarterly is too often, and meeting yearly is not enough. ● How it’s important to teach your kids the do’s and don’ts of financial services. Connect with Rob: Links Mentioned: schulzwealth.com Guest Contact Info: Twitter @robschulztx Facebook facebook.com/SchulzWealth LinkedIn linkedin.com/in/robschulz
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Alan Rosca is a securities attorney, adjunct professor of Securities Regulation, and speaker and author on Ponzi schemes, investment fraud, cryptocurrencies, and securities regulation. He often contributes and gives interviews in the media across the country on topics ranging from fraudulent investments to bank regulation and professional liability. Alan focuses his legal practice primarily on complex litigation and arbitration arising out of disputes related to investment or securities fraud, market manipulation, corporate governance, and antitrust. Alan has represented thousands of investors across the country and in over 60 countries around the world, in cases against entities accused of securities fraud as well as financial industry members and other professional organizations that played a role in enabling or facilitating fraudulent investment schemes. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Alan Rosca about investment law. Here are some of the beneficial topics covered on this week’s show: ● How people sometimes get caught in Ponzi schemes when trying to invest. ● Why people must watch out for the 5% of brokers who only want to make a buck. ● How those taken advantage of are usually professionals not elderly women. ● Why it’s important to do your due diligence when selecting a broker to work with. ● How people need to pay attention to the red flags, so they don’t get duped. Connect with Alan: Links Mentioned: investorlawyers.org Guest Contact Info: Twitter @GSPLAW Facebook facebook.com/lawgsp LinkedIn linkedin.com/company/goldman-scarlato-&-penny-p-c
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Jonathan Sparks, founder of Sparks Law works in Business Law and helps small businesses with trademarks, business formation, copyright, and other various business related laws. Prior to founding Sparks Law, Jonathan worked at the United States Department of Justice. He is extremely passionate about entrepreneurship and prides himself on his ability to find creative approaches to everyday life. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Jonathan Sparks about the history of corporate law. Here are some of the beneficial topics covered on this week’s show: ● How a corporation will benefit from limited liability if they have everything sorted. ● Why people started coming up with simpler limited liability corporations. ● Why general partnerships are scary and people should avoid them. ● How the operating agreement is the streamlined version of the corporate binder. ● Why people should get a limited liability company when dealing with real estate.
Connect with Jonathan: Links Mentioned: sparkslawpractice.com Guest Contact Info: Twitter @mysparkslaw Instagram @sparkslawyer Facebook facebook.com/SparksLawPractice LinkedIn linkedin.com/company/sparkslaw
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Mike Thomas is the agency principal at Lighthouse Insurance Services. An independent insurance agency in Gambrills, MD. Mike started the agency from scratch in 2000. His agency takes pride in treating all of their clients like family, and serving their insurance needs. Mike is the co-founder of For The Kids, Inc, a charitable organization that supports local sick children who have a financial need in their family. He is active in the community as well as Knights of Columbus, Crofton Chamber of Commerce, DeMatha Catholic Alumni Association, and serves of the board of a few local organizations.
Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Mike Thomas about property, casualty, and life insurance. Here are some of the beneficial topics covered on this week’s show: ● How the insurance industry has changed over the last 20 years. ● Why a $300,000 home doesn’t have to be insured for $300,000. ● How family heirlooms need to be scheduled on your homeowners policy. ● Why you might want to look into getting identity theft covered in your policy. ● How it’s important to review all important documents with your insurance agent.
Connect with Mike: Links Mentioned: lighthouse-insurance.com Guest Contact Info: Facebook facebook.com/LighthouseIns
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Entrepreneur Magazine calls Justin Donald the "Warren Buffett of Lifestyle Investing." He's a master of low-risk cashflow investing, specializing in simplifying complex financial strategies, structuring deals, and disciplined investment systems that consistently produce profitable results. His ethos is to "create wealth without creating a job." In the span of 21 months, and before his 40th birthday, Justin's investments drove enough passive income for both he and his wife Jennifer to leave their jobs. Following his simple investment values from his book The Lifestyle Investor: The 10 Commandments of Cashflow Investing for Passive Income and Financial Freedom, Justin negotiated deals with over 100 companies, multiplied his net worth to over eight figures, and maintained a family-centric lifestyle in less than 2 years. Just 2 years later, he doubled his net worth again. He now consults entrepreneurs and executives on lifestyle investing, with a forthcoming book and podcast based on his lessons and proven investment system that consistently produces repeatable returns. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Justin Donald about lifestyle investing. Here are some of the beneficial topics covered on this week’s show: ● How people can make their living off of their assets instead of their time. ● Why nest egg investing is probably unreasonable for most people. ● Why people should invest in cashflow instead of a property’s appreciation, ● How people can use other assets besides houses to generate an income. ● How there is a way to make the cashflow today without buying something new.
Connect with Justin: Links Mentioned: justindonald.com Guest Contact Info: Twitter @jwdonald1 Instagram @justindonald Facebook facebook.com/lifestyleinvestorlive LinkedIn linkedin.com/justinwdonald
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Eido M. Walny received his J.D. from the Boston University School of Law in 2001, where he was the Executive Articles Editor of Boston University International Law Journal. He earned a Bachelor of Arts degree in Political Science, with honors, from The University of Chicago. Eido’s practice focuses on estate planning, asset protection, business succession, probate, trust administration, and he is also experienced in business, tax, and real estate law. He is a noted national speaker, author, and commentator on issues effecting estate planning, charitable giving methods, and topical business issues. Eido founded the Walny Legal Group in 2011 with an eye towards providing clients with high level legal care, but an equally high level of customer service. He provides counseling to protect multi-generational family wealth, including drafting wills, revocable trusts, and irrevocable trusts designed to mitigate the effect of taxes, leverage wealth, and minimize the risk of creditors’ claims. His experience also includes structuring family and business succession plans, non-probate transfers, trust and probate administration, and preparation of guardianships. In addition, he commonly utilizes will alternatives, advances charitable giving, and does planning for families with special needs children. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Eido Walny about business succession planning. Here are some of the beneficial topics covered on this week’s show: ● Why business owners should have a succession plan in place. ● How most businesses continue on after the owner retires. ● Why it’s important for financial planners to use a holistic approach. ● Why the biggest problem with succession planning is not doing it at all. ● How business owners should do their succession planning sooner rather than later.
Connect with Eido: Links Mentioned: walnylegal.com Guest Contact Info: Twitter @WalnyLegalGroup LinkedIn linkedin.com/company/walny-legal-group-llc
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Jonathan Sparks is the founder of Sparks Law and works in Business Law. He helps small businesses with trademarks, business formation, copyright, and other various business related laws. Prior to founding Sparks Law, Jonathan worked at the United States Department of Justice. He is extremely passionate about entrepreneurship and prides himself on his ability to find creative approaches to everyday life. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Jonathan Sparks about protecting businesses using different kinds of intellectual properties. Here are some of the beneficial topics covered on this week’s show: ● Why trademarks are the most cost effective because they only take 6 months. ● How copyrights prevent others from making a direct copy of your product. ● How there isn’t a time limit on how long trademarks can last. ● Why owning a website or URL doesn’t mean you own that trademark.
Connect with Jonathan: Links Mentioned: sparkslawpractice.com Guest Contact Info: Twitter @mysparkslaw Instagram @sparkslawyer Facebook facebook.com/SparksLawPractice LinkedIn linkedin.com/company/sparkslaw
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Eric S. Steiner has helped business and consumer clients throughout Maryland discharge millions of dollars of debt. His practice focuses on representing those in financial distress – as both debtors and debtors-in-possession – in pre-bankruptcy and bankruptcy planning, transactions with bankruptcy estates, bankruptcy litigation and bankruptcy fraud, automatic stay and discharge injunction violations. He also advises clients on commercial loan and lease workouts and Article 9 litigation, as well as financing, insurance and contract disputes. Mr. Steiner takes pride in counseling clients with compassion, empathy and understanding, while acting as a zealous advocate for them during times of difficulty. A sought-after speaker and writer, he regularly educates audiences on all facets of bankruptcy – presenting to such audiences as the Maryland Society of Accounting & Tax Professionals, Exit Planning Exchange, the Maryland Association for Justice, the Maryland LGBTQ Chamber of Commerce and the Collaborative Professionals of Baltimore. In his spare time, Mr. Steiner plays piano in a local wedding band and enjoys skiing, traveling and spending time with family and friends. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Eric Steiner about filing for bankruptcy. Here are some of the beneficial topics covered on this week’s show: ● Why using effective communication with clients is so important. ● How bankruptcy doesn’t have to be the last resort people turn to. ● Why bankruptcy is more reputable than credit repair or debt consolidation. ● How child support and alimony cannot be discharged with bankruptcy. ● Why people shouldn’t risk filing for bankruptcy by themselves.
Connect with Eric: Links Mentioned: steinerlawgroup.com
Guest Contact Info: Twitter @LawSteiner Facebook facebook.com/SteinerLawGroupLLC LinkedIn linkedin.com/company/Steiner-law-group
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Bringing nearly 20 years of mortgage industry experience, Steven J. Sless runs PRMI’s first consumer-direct retail branch dealing exclusively with reverse mortgages (located in Owings Mills, Md.) He also coaches traditional loan originators working at PRMI’s 270 branches nationwide about reverse mortgages. A powerful speaker and communicator, Steven regularly present seminars and learning workshops for senior home owners, their family and trusted advisors. His passion, expertise and dynamic personality electrify audiences and inspire people to act. Steven educates on how the strategic use of home wealth with a reverse mortgage, can protect and preserve a retirement portfolio to ensure so seniors don’t outlive their money. His goal is to dispel myths and common misperceptions about reverse mortgages, and show seniors how to achieve peace of mind by helping them to secure the retirement they deserve. In 2019, Steven earned the CLTC®: Certified Long-Term Care professional designation, demonstrating that he also has acquired the critical tools necessary to discuss the subject of longevity and its acute consequences on a client's family – financially, physically and emotionally – years down the road. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Steven Sless about reverse mortgages. Here are some of the beneficial topics covered on this week’s show: ● How reverse mortgages are really great, well-rounded financial planning. ● Why you must maintain your taxes and your insurance with a reverse mortgage. ● How the biggest misconception of a reverse mortgage is you can lose the home. ● How the reverse mortgage can be used as a pool of equity when needed. ● How a reverse mortgage allows people to get equity while keeping their home.
Connect with Steven: Links Mentioned: thestevenjslessgroup.com reversebaltimore.com
Guest Contact Info: Twitter @morewithsless Instagram @morewithsless Facebook facebook.com/morewithsless LinkedIn linkedin.com/company/reversemortgage
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Jerry Truman has been advising high-net-worth clients for more than 20 years, working closely with them to develop comprehensive and cohesive paths to meet their financial and life goals. The one-on-one time and individual attention he dedicates to each client often leads to them calling him their trusted advisor. Jerry’s passion for helping others is evident in his work both with clients and with the community. An avid philanthropist, Jerry has been a member of the Lido Civic Club of Washington, D.C., for over 15 years and has served as the civic chairman since 2010. Jerry has also been a member of Metro Bethesda Rotary since 2013. In 2009, Jerry co-founded Truman Charities—a local group that hosts unique and exclusive dinners and events to raise funds for various local and national charities. Since its inception, Truman Charities has raised more than $950,000 to local and national charities. Jerry has been a Washingtonian his entire life. He graduated from Dematha Catholic High School in 1990 and received a bachelor’s degree in political science from the University of Maryland in 1995. Jerry currently lives in Bethesda, Maryland, with his wife, Jamie, and their boys, Zachary and Dominic. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Jerry Truman about smart financial planning. Here are some of the beneficial topics covered on this week’s show: ● How listening to people and asking the right questions is very important. ● Why financial planners should know the clients’ plans for their business. ● How one size doesn’t fit all for people’s financial planning and businesses. ● Why having more contact with your client’s will give them a better service. ● How important it is to have a financial plan in place during these uncertain times.
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Jamie Barwin is an attorney and a CPA devoted to helping clients achieve their goals. Jamie is part of Strobl and Sharp's Trust and Estate Practice Group and she serves a wide range of clients from middle-class individuals through ultra-high net worth families and is able to provide all of her clients with a unique perspective given her diverse background in accounting, taxation and law. Jamie counsels clients regarding their life-time and post-mortem estate planning, including trust planning and charitable planning, as well as advises on probate and estate administration. Jamie also works on family law-related planning, including antenuptial and postnuptial agreements. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Jamie Barwin about being a trust attorney and CPA. Here are some of the beneficial topics covered on this week’s show: ● How family law and estate planning overlap on the administrative side. ● Why it’s a myth that people need to be wealthy to do estate planning. ● How clients need to ask what happens after they establish their estate plan. ● Why people should reach out to their estate planner when they have a life event. ● How clients don’t like to talk about estate planning because they fear death.
Connect with Jamie: Guest Contact Info: LinkedIn linkedin.com/company/stroblsharppllc
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Kristen Herwitz is a business attorney committed to helping women entrepreneurs make great money while protecting their ideas and work as their business grows. Previously, she worked as general counsel of BlogHer, a venture-backed startup that grew to become the largest women-focused digital platform on the internet, paying out $36MM to network members between 2009 and 2015. She built her law practice on paying it forward 6 years ago, reinvesting at least 10% of profits in organizations supporting gender, racial, and environmental justice, and she now offers an accessibly-priced DIY contract template shop in addition to her flat-rate, transparent pricing for strategic legal and business advisor services. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Kristen Herwitz about helping small business owners streamline their business. Here are some of the beneficial topics covered on this week’s show: ● Why business owners should use a more holistic approach for their business. ● How service providers should require a non-refundable deposit with new clients. ● Why it’s so important for business owners to plan and strategize ahead of time. ● What could happen when business partners get into a dispute with each other. ● Why business owners must build legal fees into their budget. Connect with Kristen: Links Mentioned: kristenherwitz.com Guest Contact Info: Instagram @herwitzlaw Facebook facebook.com/HerwitzLaw LinkedIn linkedin.com/in/kristenherwitz
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Alina Mardesich joined the George Smith Partners family in 2017 with over 25 years’ experience in commercial real estate in the areas of new business development, asset management, loan workouts and most notably loan originations. Alina’s well rounded experience includes funding over $2.5 billion at Fremont Investment & Loan, working with Oaktree Capital Management’s Real Estate Debt Fund and managing a $300 million portfolio of distressed loans at US Bank during the downturn for the Archon Group. Alina boasts a stellar track record in originating highly structured complex real estate transactions with an expertise in ground up development in all asset classes including retail, office, industrial, multifamily, hospitality, student housing, master-planned community and urban mixed-use. Alina is most notably recognized for pioneering the financing of the adaptive re-use/artist loft conversion movement early in the last cycle with over $500 million funded in the Downtown Los Angeles Arts District. Alina saw the opportunity in DTLA long before the large institutional and foreign investors came in. Alina also funded over $350 million in master-planned community infrastructure development loans in Southern California that despite the economic downturn, performed through the down cycle due to her diligent underwriting and structuring. At George Smith Partners, Alina’s 25+ years of relationships and strong brand in the real estate community will allow her to bring best-in-class sponsors, middle market and up and coming developer/operators together with capital sources covering the full capital stack. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Alina Mardesich about working as a commercial real estate mortgage broker. Here are some of the beneficial topics covered on this week’s show: ● How COVID-19 has affected the commercial real estate market. ● Why developers in commercial real estate are used to pivoting with the market. ● Why lenders aren’t looking to lend to retail stores during the pandemic. ● How money is still out there, and deals are still happening. ● How the commercial real estate business is all about relationships.
Connect with Alina: Links Mentioned: GSPartners.com Guest Contact Info: LinkedIn linkedin.com/company/george-smith-partners
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Eido M. Walny received his J.D. from the Boston University School of Law in 2001, where he was the Executive Articles Editor of Boston University International Law Journal. He earned a Bachelor of Arts degree in Political Science, with honors, from The University of Chicago. Eido’s practice focuses on estate planning, asset protection, business succession, probate, trust administration, and he is also experienced in business, tax, and real estate law. He is a noted national speaker, author, and commentator on issues effecting estate planning, charitable giving methods, and topical business issues. Eido founded the Walny Legal Group in 2011 with an eye towards providing clients with high level legal care, but an equally high level of customer service. He provides counseling to protect multi-generational family wealth, including drafting wills, revocable trusts, and irrevocable trusts designed to mitigate the effect of taxes, leverage wealth, and minimize the risk of creditors’ claims. His experience also includes structuring family and business succession plans, non-probate transfers, trust and probate administration, and preparation of guardianships. In addition, he commonly utilizes will alternatives, advances charitable giving, and does planning for families with special needs children. Mr. Walny was named one of the Best Lawyers in America for 2021. In 2014, he was selected as one of five national “Advisors with Heart” by Trusts & Estates Magazine. Eido was recognized for his contributions to the legal professional as a 2013 “Leader in the Law” by the Wisconsin Law Journal, and named as a Fellow to the Wisconsin Law Foundation’s class of 2013. He has been recognized as a “Leading Lawyer” in the area of estate planning by M Magazine. In 2012, he was named a “Forty Under 40” honoree by the Milwaukee Business Journal, and a Financial Advisor magazine 2012 Private Wealth All-Star Team nominee. Eido is certified as an Accredited Estate Planner (AEP) and an Estate Planning Law Specialist (EPLS), the latter of which is the highest designation for an estate planning attorney that is currently recognized by the American Bar Association. Fewer than 100 attorneys in the nation have attained the EPLS designation. He has also been awarded the international TEP designation from the Society of Trust and Estate Practitioners. In addition to numerous professional positions, Eido is the President for the Village of Bayside, Wisconsin, and serves on several subcommittees, and county-wide committees. He is the Past-President of the Wisconsin Association of Mediators. He also serves on the Planned Giving Counsel of the Zoological Society of Milwaukee, is a member of the President’s Advisory Council of the Froedtert Hospital Foundation, and has been honored as a charter member by the Greater Milwaukee Foundation Mueller Society in recognition of the advancement of philanthropy. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Eido Walny about estate planning, asset protection, business succession, probate, and trust administration. Here are some of the beneficial topics covered on this week’s show: ● How, “I need a will,” is code for, “I need estate planning help.” ● Why single people with no children do not have the easiest estates. ● Why there are different powers of attorney and how they are used. ● How the state government issues one will that doesn’t fit everyone. ● Why people need a professional to help them with estate planning. Connect with Eido: Links Mentioned: walnylegal.com Twitter @WalnyLegalGroup LinkedIn linkedin.com/company/wanly-legal-group-llc
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John Strohmeyer is the proprietor of Strohmeyer Law PLLC in Houston where he assists individuals and their business with cross-border tax planning, estate planning, and estate administrations. John is board certified in both Tax Law and Estate Planning and Probate Law by the Texas Board of Legal Specialization. John is the Chair of the International Tax Committee of the State Bar of Texas Tax Section, was named Rookie of the Year by the Tax Section of the State Bar of Texas, was a 2015-2017 Fellow of the American Bar Association Section of Real Property, Trust and Estate Law, and was a Young Leader of the American College of Trusts and Estates Counsel. After earning a BS in Zoology from the University of Texas at Austin, he spent four years working for the Four Seasons Hotel in Austin, primarily as the Night Manager, before heading to law school. When he's not practicing law, he spends his time with his wife Emily and their rescued mutts Griswold, Molly, and Billy; runs marathons (43 as of March 1, 2020); homebrews beer; and writes about client service issues for professionals. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with John Strohmeyer about cross border tax planning, estate planning, and estate administration. Here are some of the beneficial topics covered on this week’s show: ● Why it’s better to let someone else take on your risk as a new lawyer. ● How estate plans need regular care and maintenance to best serve you. ● Why people need estate planners to help protect their assets. ● How people should always be thinking about tax planning. ● How you can minimize your estate taxes each year. Connect with John: Links Mentioned: strohmeyerlaw.com Twitter @johnthelawyer Instagram @strohmeyerlawpllc Facebook facebook.com/strohmeyerlaw LinkedIn linkedin.com/in/johnthelawyer
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Jodie Buchman maintains a diverse and complex commercial, real estate, bankruptcy and finance practice which is primarily litigation oriented. She regularly represents title insurance companies and their insureds, hotels, property owners and landlords, vendors, suppliers, utility companies, and various other business entities in a variety of complex commercial disputes in and out of litigation including commercial disputes, real estate disputes, and all aspects of workout, restructuring, and bankruptcy manners on behalf of the creditor or prospective purchaser. Prior to joining Silverman Thompson, Jodie was Of Counsel at DLA Piper LLP and a partner at Gebhardt & Smith LLP. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Jodie Buchman about business litigation, bankruptcy, and real estate litigation. Here are some of the beneficial topics covered on this week’s show: ● How a pre-law major can be whatever you want it to be. ● Why using LegalZoom for your business can lead to issues later. ● How rushing into a real estate investment is never a good idea. ● Why filing bankruptcy to avoid tax problems doesn’t always work. ● How the courts have been impacted by COVID-19. Connect with Jodie: Guest Contact Info: Twitter @jodbuch LinkedIn linkedin.com/in/jodie-buchma-6778902
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Peter J. Riebling devotes his practice to trademark, copyright, unfair competition and advertising issues, with a focus on global strategy, counseling, disputes, litigation and licensing. For more than 25 years, he has managed and directed teams for some of the world's most respected brands, and is consistently recognized as one of Washington, DC's top trademark lawyers. Peter works closely with clients as a collaborative team focused on achieving a common goal. He manages and directs trademark and copyright enforcements, online and social media take-down actions, foreign anticounterfeiting actions, domain name arbitration proceedings, large global trademark portfolios, licensing, and due diligence. He has obtained injunctive relief against client competitors in trademark infringement litigation, and obtained injunctive relief in trade secret and breach of contract litigation. Peter routinely negotiates copyright, software, technology and trademark licensing agreements, and advises companies on advertising regulatory compliance and rights of publicity. He represents numerous pro bono clients, and is a frequent lecturer on intellectual property at the American University Kogod School of Business. Peter personally negotiated the sale of a now-famous trademark to Apple in face-to-face negotiations with Steve Jobs, and co-authored a US Supreme Court amicus brief filed by Dr Pepper/Seven Up, Inc. in Qualitex Corp. v. Jacobson Products Co. on the successful issue of whether color may be subject to trademark protection. In addition, Peter provided written testimony to the Chairman of the House Subcommittee on Courts and Intellectual Property prior to passage of the Federal Trademark Dilution Act and has been a featured speaker for the District of Columbia Bar on trade secret litigation strategies. Peter is an acknowledged leader in the intellectual property community, with consecutive peer recognition rankings in the World Trademark Review's WTR 1000 (2011–present). Prior to founding Riebling IP, Peter was a partner for 13+ years at Katten Muchin Rosenman LLP, and prior to that he was an equity partner at Arter & Hadden LLP, where he was the partner in charge of associates in Washington, DC. Before practicing law, Peter worked at the White House Office of National Service and served as campaign manager for a US Senate election. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Peter Riebling about the difference between a copyright and trademark. Here are some of the beneficial topics covered on this week’s show: ● How colors can be trademarked for brand recognition. ● How there are four types of intellectual property. ● Why trademarks and copyrights in the US aren’t enforced internationally. ● Why two distinct different products can have the same name. ● Why you need to do your research before settling on a name or logo. Connect with Peter: Links Mentioned: rieblinglaw.com
Guest Contact Info: Twitter @rieblinglaw Facebook facebook.com/rieblinglaw LinkedIn linkedin.com/in/peter-riebling-18b222
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Ron Schwarz
– The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 013 Ron Schwarz Ronald Schwarz, MBA made a career switch into the financial services field in 2006 but has been doing investment analysis on his own for over 40 years. He is a financial advisor with a specialty in technical analysis and an avid analyst of global themes and trends. He graduated from Haverford College with a BS in mathematics, the University of Michigan with an MBA in operations research, and the George Washington University with a Masters in operations research, computer science, and medical engineering. Ron has his securities registrations (Series 7 and 66) as well as licenses for long-term care, life, health, and disability insurance. With an emphasis on risk management, Ron enjoys the challenge of the market and finds especially gratifying the relationships he builds with clients to forge a working partnership to bring sound advice to those growing their assets. His goal is to help clients to live a quality life in retirement and to leave a legacy to those who follow. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Ron Schwarz about analyzing patterns in the stock market. Here are some of the beneficial topics covered on this week’s show: ● How working with the stock market is sometimes left to chance. ● Why people should buy stocks opportunistically. ● How many people can’t distinguish one financial advisor from another. ● How people’s main concern is an unpredictable stock market. ● Why everyone needs a professional financial advisor.
Connect with Ron: Securities Disclosure: https://hbeckinc.com/investors/policies-and-disclosures SECURITIES AND INVESTMENT ADVISORY SERVICES OFFERED THROUGH H. BECK,INC., MEMBER FINRA – SIPC, ROCKVILLE MARYLAND 20850 TEL:301-944-5900, RAS FINANCIAL SERVICES AND H. BECK INC. ARE NOT AFFILIATED Email: ron@rasfinancialservices.com Website: www.rasfinancialservices.com LinkedIn: https://www.linkedin.com/in/ron-schwarz-23b78b1/Top of Form
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Richard Patenaude is the author of The Student Millionaire and hosts the podcast The Student Millionaire Podcast. Richard created The Student Millionaire website, Wealth Blog, and YouTube channel. He is a strategic planner with extensive national political, government, media, public relations, and financial advisory experience. He is a strong relationship builder, promoter, and motivator. Richard founded The Student Millionaire Global Community to teach and train young adults how to develop and apply a proper success and wealth mindset to their lives. The Mindset Training enables young adults to create and live fulfilled lives while making money. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Richard Patenaude about his book The Student Millionaire.
Here are some of the beneficial topics covered on this week’s show: ● How there are strategies to develop a wealth mindset. ● How the goal is to make money doing the work you love. ● Why having a wealth mindset coach is valuable. ● How you have to manage the money you have. ● How the principles for wealth mindset don’t change.
Connect with Richard: Links Mentioned: thestudentmillionaire.com bit.ly.2CiSoCz Guest Contact Info: Twitter @Rich_Patenaude Facebook facebook.com/TheStudentMillionaire YouTube youtube.com/c/TheStudentMillionaire
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Philip J. Ruce is a Minnesota trust and estate planning attorney and author of Trustee University: The Guidebook to Best Practices for Family Trustees. Philip opened his practice in February 2014 after six years as a trust and estate administrator. He grew interested in trust funds while watching his grandmother manage family trusts, and pursued this interest at the University of Minnesota (B.A.), William Mitchell College of Law (J.D.), and Thomas Jefferson School of Law with a Master’s of Law (LL.M.) in Wealth Management Law.
He is a widely published academic and has been an adjunct professor of law at Thomas Jefferson School of Law, where he taught classes on wealth management and financial services to LL.M. candidates.
With his law business, he strives to work with families and individuals concerned with making sure they and their family are well cared-for. He puts clients’ needs first and prepares them to protect what they value most.
Philip is married with two little girls. Lately he seems to spends most of his free time watching Disney movies and reading about puppies and bears (and he wouldn’t have it any other way!).
Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Phil Ruce about controlling your legacy when you’re gone. Here are some of the beneficial topics covered on this week’s show: ● What the different types of powers of attorneys are and how they operate. ● How powers of attorney documents are set up differently state to state. ● How a will is a document of the court and doesn’t keep families out of court. ● How many people don’t understand what probate is and how to avoid it. ● Why estate planning and tax planning are not just for wealthy people.
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Scott Sweitzer owns and operates Prime Settlement, a boutique title company in the Washington DC Metro Area. Since founding Prime Settlement in April of 2015, Scott has been managing the business, acting as counsel, overseeing operations, recruiting talent, and developing new business opportunities for the company. He also is the managing attorney at Prime Estate Planning, a boutique law firm focused on offering comprehensive planning solutions for real estate professionals and families in the DC metro area. A licensed Personal Family Lawyer, he develops deep relationships with his clients to ensure that they and their families stay out of court and out of conflict. Scott is an active member of the American Bar Association Real Property & Probate Section and also acts in the capacity of Membership Chair of the Dupont Circle Business Networking International group. Through creative solutions in residential and commercial title transactions, Scott strives to help clients enhance their reputation for excellence and share their passion for the real estate industry. When he’s not working, Scott enjoys his new positions on the boards of the DC Land Title Association and the Bravo! Club. The latter provides an outlet for Scott’s fondness for the Opera art form, as well as his commitment to bringing friends together into a larger community. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Scott Sweitzer about keeping families out of court and conflict when something major happens. Here are some of the beneficial topics covered on this week’s show: ● Why estate planning aims to avoid creating conflict between its beneficiaries. ● How a revocable living trusts are used as a substitute for wills to avoid probate. ● Why clients need to be proactive with their estate planners if anything changes. ● How there are two different types of powers of attorney, and what they are. ● Why business owners need to have a plan in place for when they pass away. Connect with Scott: Links Mentioned: prime-estateplanning.com Guest Contact Info: Facebook facebook.com/primeestateplanning
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Jamie Hargrove is one of the preeminent estate planning attorneys in America and the senior partner in Hargrove Madden. Prior to starting the firm, he chaired the Estate & Trust practice for a 160-attorney law firm. He practiced as a CPA after law school and then began to focus exclusively in the area of estate, trusts and succession planning. Jamie is one of the first attorneys in Kentucky designated as an accredited estate planner by the National Association of Estate Planners & Councils, is listed in The Best Lawyers in America® and has been selected as one of the Best Lawyers in Trust & Estates Law by his peers in The American Lawyer. He also received national recognition as a SuperLawyer®, a national listing of outstanding lawyers who have attained the highest degree of peer recognition and professional achievement. Jamie has also received the top "AV" peer-rating from Martindale Hubbell®. His lifelong passion for innovation and willingness to embrace disruptive technology led to his founding NetLaw in 2012. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Jamie Hargrove about elder law, estate planning, and tax work. Here are some of the beneficial topics covered on this week’s show: ● Why people procrastinate when it comes to elder and estate planning. ● How people think they give up control when using an estate or financial planner. ● Why many forget how they structured their estate planning until a crisis occurs. ● How estate planners have to constantly educate and reeducate their clients. ● Why many clients’ number one priority is harmony between family members. Connect with Jamie:
Guest Contact Info: Twitter @jamiehargrove LinkedIn linkedin.com/in/jamiehargrove
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Ozer Culhagil is a Finacial Advisor and the CEO of Retirement Planning Services. Ozer began his career in London and has over 20 years of experience in the financial services industry. He holds a PhD in Finance and is also a Special Needs Planner. Ozer’s client centric approach to planning focuses on education, advocacy, and coordination of the goals individuals have for themselves and their family. This holistic approach considers investment, retirement, estate, tax, education, and insurance objectives in shaping a financial plan tailored to the needs of the client.
As a caring advisor, Ozer is dedicated to learning about your personal goals. Some of his particular areas of experience include estate planning, funding and withdrawing from retirement plans and IRAs, taking full advantage of retirement benefits, and maximizing Social Security benefits. Baltimore magazine selected Ozer as a Five Star Wealth Manager for the past three years. He understands his clients are in various stages of life and believes a financial plan must be tailored toward pursuing both short- and long-term objectives. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Ozer Culhagil about financial planning for retirement. Here are some of the beneficial topics covered on this week’s show: ● How people need to be more careful when they make investments. ● Why you need to figure out the gap between your income and pension. ● How people are concerned about the market because of COVID-19. ● Why you should only invest money you’re okay to lose a percentage of. ● Why a market has to have some corrections for it to be a healthy market. Connect with Ozer: Links Mentioned: rpsretirementplanning.com Guest Contact Info: LinkedIn linkedin.com/in/ozer-culhagil-5ab9941a9
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Matthew Truman of First Washington Mortgage has over 22 years in the mortgage banking industry. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Matthew Truman about working in the mortgage banking industry. Here are some of the beneficial topics covered on this week’s show: ● How people are most afraid of their credit score when purchasing a home. ● Why people should prepare questions for their mortgage broker. ● How the guidelines in the mortgage industry change very often. ● Why many people’s credit has taken a hit during the COVID-19 pandemic. ● Why you should visit a mortgage broker before looking for a house.
Connect with Matthew: Guest Contact Info: Facebook facebook.com/MattTrumanFirstWashingtonMortgage LinkedIn linkedin.com/in/matthew-truman-539241a
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– The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 006 Matthew Rosenthal
Matthew Rosenthal is Matthew H. Rosenthal launched M.H. Rosenthal Law, PLLC in 2015. The goal of the practice is to provide customized and tailored legal services to clients. On February 1, 2019, M.H. Rosenthal Law, PLLC merged with Meyer and Associates, Counselors at Law, PLLC to form Rosenthal Meyer, PLLC. Matthew also has experience working in the non-profit sector. He worked as a Transactional Attorney for Wounded Warrior Project, Inc. He was a member of the In-House Counsel team responsible for researching and drafting memoranda on legal issues such as insurance, contracts, risk management, licensing, taxes, employment, and organization policy. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Matthew Rosenthal about helping people through estate planning, business law, and probate. Here are some of the beneficial topics covered on this week’s show: ● Why your estate plan should be based around your family, lifestyle, and assets. ● What the difference between estate planning and probate proceedings are. ● Why you might want to have a trust in place in addition to your will. ● How there are a lot of myths about the estate planning process. ● Why estate planning is for everybody, not just the ultra-rich.
Connect with Matthew: Links Mentioned: RosenthalMeyer.com Guest Contact Info: Facebook facebook.com/nonalegalservices LinkedIn linkedin.com/company/rosenthalmeyer
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Colin Exelby
– The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 005 Colin Exelby Colin Exelby is the President and founder of Celestial Wealth Management in Baltimore, MD. With over sixteen years’ experience assessing complex financial situations, Colin is a Certified Finacial Planner™ (CFP®) Professional providing comprehensive advice on how to structure and diversify client holdings, manage risk, help assess tax situations, and optimize charitable giving. His passion is investing. When he began his career as a financial advisor back in 2000 it was the middle of the technology bubble. Much of what he studied was put to the test immediately. It was at that point, Colin realized his calling. He enjoys helping individuals discover and pursue their financial goals over the course of their lives. He earned his Bachelor of Science Degree in Business Administration, with a major in finance and minor in economics from the Frank Perdue School of Business. He was inducted into to the National Leadership Society, Omicron Delta Kappa his senior year. Immediately following graduation, Colin accepted a position as a financial advisor at Morgan Stanley in Baltimore, Maryland where he practiced wealth management for nine years. In 2009, he decided to take the next step in his career by starting his own firm Celestial Wealth Management, LLC. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Colin Exelby about financial planning and being a Certified Financial Planner™. Here are some of the beneficial topics covered on this week’s show: ● How dealing with people’s businesses and money is a highly emotional task. ● Why CFPs are held to a higher standard than insurance agents and brokers. ● How it’s important to have an adaptable business if the economy changes. ● Why you should go back and list the three worst financial decisions you made. ● How you need to be able to navigate the downside of your business for success.
Connect with Colin: Links Mentioned: celestialwealthmanagement.com/bizowner seetheforestthroughthetrees.com
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Scott Smolen established his roots in the business world by cutting lawns in his hometown of Bowie. When Scott was in middle school, he started a landscaping business with one employee—himself—and no plans for expansion. He was just looking to make a few bucks before going back to school. By the end of the summer, the business began to take root in the community, and Scott envisioned for the first time a future for himself as an entrepreneur.
Over the next decade, the business grew strong throughout Bowie, Crofton, Gambrills, and Odenton. It had 25 employees and a long list of satisfied customers when Scott sold the company. The experience gave him a solid foundation for success as a businessman and allowed him to branch out to pursue other business opportunities and interests. Scott moved from Bowie to Piney Orchard and decided to pursue a new career in computer networking. Although he enjoys computers and networks, it lacked the personal element that Scott had come to enjoy as he built his landscaping business. After careful consideration, he decided to begin his career in real estate in 1999 with ReMax and has never looked back. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Scott Smolen about buying and selling real estate. Here are some of the beneficial topics covered on this week’s show: ● How the first step in selling your home is finding out what your home is worth. ● Why you should reach out to a realtor before putting your house on the market. ● How you can talk to a realtor about buying a house before securing financing. ● How looking at homes has changed during the COVID-19 pandemic. ● Why selling houses can be emotional experiences for homeowners. Connect with Scott: Links Mentioned: scottsmolen.com
Guest Contact Info: Twitter @SBSmolen Instagram @scott_smolen Facebook facebook.com/ScottSmolenRealtor LinkedIn linkedin.com/in/remaxscottsmolen
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Ryan Paquin is a passionate, hard working mortgage consultant and Branch Manager with the brilliant professionals at First Home Mortgage in Crofton, Maryland. For the past ten incredible years Ryan has made his forward thinking mortgage advice readily available to those clients who choose to be financially responsible homeowners. His gorgeous, easy to locate office is located at the intersection of Route 3/301 and Route 450/Defense Highway in Crofton. Ryan has lived in Maryland since February of 2002. He graduated from Salisbury University in 1999 with a double major in Finance and Marketing. Before moving to Maryland in 2002, Ryan was a trader on the American exchange in New York City. Ryan and his wife have two beautiful little girls, Kylie and Kenna and a little boy, Brett. Ryan enjoys spending his free time with his wife and kids and coaching soccer. Ryan helped 237 families in 2014, helping more people purchase a home than anyone in the company. He prides himself on being extremely well versed with First Time Home Buying programs. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Ryan Paquin about working in the mortgage industry. Here are some of the beneficial topics covered on this week’s show: ● How mortgage brokers have to know what happens when the Fed changes. ● Why it’s important to take an educational approach when consulting your clients. ● How you don’t want to be house poor and living paycheck to paycheck. ● Why many people automatically think that they won’t be qualified for a loan. ● How the internet lenders are not actually required to be licensed. Connect with Ryan: Links Mentioned: firsthome.com
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The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Episode 001 Chris Klug Chris Klug is a partner in the D.C. office. He practices in the areas of domestic and international taxation, tax controversy, corporate/business planning, cross-border transactions, and domestic and international estate planning. Christopher represents companies, private equity funds, hedge funds, joint ventures, real estate funds, and family offices as well as clients in tax audits and controversies and has experience resolving complex tax disputes. He also represents clients with domestic and international private wealth planning issues and provides comprehensive estate planning for individuals, couples, and family businesses. He specializes in advising clients with dual or multiple nationalities, especially those living outside the US, and their families including unique estate planning challenges and tax considerations and opportunities for individuals and families immigrating to the US. Christopher has presented US inbound/outbound taxation, US informational filings, taxation of US persons, and estate planning to accountants and other professionals. Prior to joining Egoavil Klug Salas & Veloso PLLC, Christopher was a partner at an international, middle-market law firm, where he was the managing partner of the D.C. office. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Chris Klug about international estate planning. Here are some of the beneficial topics covered on this week’s show: ● Why meeting with an international tax lawyer is important to avoid taxation traps. ● How creating a trust for your money can provide taxation relief in the future. ● Why a lot of people don’t know they have an obligation to report their assets. ● How you’re subject to the taxes if you gift someone more than $15k. ● How you can avoid the gift tax if you place the money in a foreign bank account.
Connect with Chris: Links Mentioned: EKSVlegal.com LinkedIn https://www.linkedin.com/in/christopher-klug-tax-attorney/
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Fred Creutzer is the owner and operator of Creutzer Financial Services, LLC and has been since 1989 after following in his father’s footsteps. Creutzer Financial Services, LLC, is a second-generation, family-owned and operated financial services firm serving residents of Maryland and surrounding states. Fred believes education, communication, and interaction with clients on a regular basis are the keys to understanding your financial planning needs and assisting you in achieving your financial goals. Creutzer Financial assists individuals and business owners in all areas of financial and investment management. Fred is a regular community educator with popular workshop programs on Social Security Retirement Income Planning and Estate Planning Fundamentals. Fred works actively with the large number of federal employees located in his region and has specific training in the benefits planning and retirement needs of civil service and military employees of the United States federal government. Fred is a regular contributor on WBALTV and can be viewed on WBAL-TV news programs communicating timely financial information for viewers in the greater Baltimore area. A licensed Registered Representative, Fred’s main mission in his financial practice is to help the average person create wealth and income for their lifetime and families. As president of Creutzer Financial Services, LLC, he fervently strives to help conservative investors grow their financial assets through prudent planning and careful selection of savings and investment options aligned with their individual risk tolerance. Fred has been married to his wife Cindi for 29 years and they have three children. Fred and Cindi reside in Forest Hill, Md. Fred’s son Freddie joined him in the practice in 2019, following graduation from the University of Maryland with a bachelor’s degree in Arts and Economics. Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Fred Creutzer about growing your assets through financial planning. Here are some of the beneficial topics covered on this week’s show: ● Why you should start saving for your retirement as early as possible. ● How you need to ask your financial planner if you are maximizing your money. ● Why business owners think about accumulation instead of their exit plan. ● How financial advisors don’t ask clients how they can maximize social security. ● Why people turn on their social security before they actually need it.
Connect with Fred: Links Mentioned: creutzerfinacial.com Guest Contact Info: Facebook facebook.com/CreutzerFinancialServices Connect with Gary: Website: https://www.sbadvisors.cc/ Facebook: https://www.facebook.com/SmallBusinessAdvisors LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr-388a051/ Youtube: https://www.youtube.com/channel/UCnvcP_XPHPFe1sQvMML-G_w?view_as=subscriber Learn more about your ad choices. Visit megaphone.fm/adchoices
The Grow Your Business and Grow Your Wealth Podcast with Gary Heldt is the go-to place to help plan for your future. Whether you’re a business owner looking to maximize your tax profit, a parent planning for college, or an individual looking to improve your life, Gary is the expert for you. Guests on the podcast will chat with Gary and share their secrets to build a better financial foundation for your business and your life. Tune in for informative conversation about keeping your finances organized and not wasting your well-earned money. Learn more about your ad choices. Visit megaphone.fm/adchoices