Grow Your Business and Grow Your Wealth

Latest Episodes:

Episode 115 Matt Ruttenberg, CMO Shareholder of Life, Inc. Oct 19, 2022

Show notes

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/

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Episode 114 Ashley Tison, Esq, the founder of OZPros, the leading Opportunity Zone consultancy. Oct 12, 2022

Show notes

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/

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Episode 113 Steven Sless President of The Steven J. Sless Group of Primary Residential Mortgage, Inc. National Reverse Mortgage Leaders Oct 05, 2022

Show notes

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/

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Episode 112: Crystal Caruthers, The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Sep 28, 2022

Show notes

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/

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Episode 111: with Guest Attorney Candace Dellacona on the importance of asset protection. Sep 21, 2022

Show notes

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/

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Episode 109: Ron Saharyan, Co-Founder– Profit First Professionals Sep 14, 2022

Show notes

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/

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Episode 108 Chris Hurn, CEO of Fountainhead Sep 07, 2022

Show notes

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/

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Episode 106 Irene de Jesus of the de Jesus Law Group Aug 31, 2022

Show notes

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/

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EP 105 Enzo Pellegrino is the Founder and President of TLWM Financial Aug 17, 2022

Show notes

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/

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EP 104 Ann Garcia, Managing partner – Independent Progressive Advisors Aug 10, 2022

Show notes

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/

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