Grow Your Business and Grow Your Wealth

Latest Episodes:

EP 053 Julian Morris, CFP, ChFC, AAMS, CRPC, CFS, Principal & Founder Concierge Wealth Management Jul 21, 2021

Show notes

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/

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EP 052 Taylor Jessee, CPA, CFP, Investment Advisor & Director Financial Planning-Taylor Hoffman Jul 14, 2021

Show notes

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/

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EP 051 George Gay, CEO, First Affirmative Financial Network Jul 07, 2021

Show notes

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

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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EP 050 Ross Brannon: Financial Advisor, Strategic Wealth Specialists Jun 30, 2021

Show notes

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/

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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EP 049 Aviva Pinto, CDFA, CDS, Managing Director, Wealthspire Advisors Jun 23, 2021

Show notes

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:

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 048 Jeffery Loyd, Co-Owner & Mortgage Broker, Mortgage Acuity Team Jun 16, 2021

Show notes

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

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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EP 047 Chris Kampitsis, CFP, ChFC, CExP, RICP, CRBS, AIF, Co-Founder SKG Team, Barnum Financial Group Jun 09, 2021

Show notes

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:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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EP 046 Todd Bryant, CFP®, ChFC®, CLU®., AIF®, Founder Partner Signature Wealth Advisors, LLC. Jun 02, 2021

Show notes

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/

Connect with Gary:

Website: www.sbadvisors.cc/

Facebook: www/facebook.com/SmallBusinessAdvisors

LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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EP 045 Alan Schoenberger, CFP, CPFA, CEPA and Founder-Endeavor Financial Planning LLC. May 26, 2021

Show notes

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

EP 044 Tony Fiorillo, President, Asset Management Strategies May 19, 2021

Show notes

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