Grow Your Business and Grow Your Wealth

Latest Episodes:

EP 063 Eric Jaffe, CEO, and co-founder - MOSAIC Wealth Partners Sep 29, 2021

Show notes

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/

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EP 062 Justin Goodbread, CEO - Heritage Investors & Founder - Financially Simple Sep 22, 2021

Show notes

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/

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EP 061 Roger Royse, Attorney & Partner, Haynes and Boone, LLP Sep 15, 2021

Show notes

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/

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EP 060 Adam Doran, Wealth Advisor-Prevail Wealth Strategies Sep 08, 2021

Show notes

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

EP 059 Jeremy Held, Managing Director – Bow River Capital Sep 01, 2021

Show notes

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

EP 058 Joshua Gerstler, FPFS with The Orchard Practice Aug 25, 2021

Show notes

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

EP 057 Patti Black, CFP & Partner – Bridgeworth Financial Aug 18, 2021

Show notes

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

EP 056 Adam Smith, President & CEO – the Colorado Real Estate Finance Group Aug 11, 2021

Show notes

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

EP 055 Carrie Harrington, Partner & Chair Levenfeld, Pearlstein, LLC Aug 04, 2021

Show notes

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

EP 054 Matthew Bourhis, Attorney, Bourhis Law Group Jul 28, 2021

Show notes

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