Grow Your Business and Grow Your Wealth

Latest Episodes:

EP 13 Ron Schwarz, MBA: Financial Advisor at RAS Financial Services Oct 07, 2020

Show notes

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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EP 12 Richard Patenaude: Wealth Mindset Coach and Founder of The Student Millionaire Sep 30, 2020

Show notes

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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EP 11 Philip J. Ruce: Trust & Estate Planning Attorney & Author of Trustee University Sep 23, 2020

Show notes

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.

Connect with Phil:

Guest Contact Info:

Twitter

@stonearchlaw

Facebook

facebook.com/stonearchlaw

LinkedIn

linkedin.com/in/philipjruce

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EP 010 Scott Sweitzer: Managing Attorney at Prime Estate Planning & Owner at Prime Settlement Sep 16, 2020

Show notes

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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sbadvisors.cc/

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EP 009 Jamie Hargrove - Estate Planning Attorney & Senior Partner at Hargrove Madden Sep 09, 2020

Show notes

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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sbadvisors.cc/

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EP 008 Ozer Culhagil: CEO of Retirement Planning Services Sep 02, 2020

Show notes

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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sbadvisors.cc/

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EP 007 Matthew Truman - First Washington Mortgage Aug 26, 2020

Show notes

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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Website

sbadvisors.cc/

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EP 006 Matthew H. Rosenthal, Esq. of Rosenthal Law, PLLC Aug 19, 2020

Show notes

– 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

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

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

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Episode 005 Colin Exelby - The Grow Your Business and Grow Your Wealth podcast with Gary Heldt Aug 12, 2020

Show notes

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

Guest Contact Info:

Facebook

facebook.com/CelestialWealthMgmt

LinkedIn

linkedin.com/in/towsonfinancialadvisor

YouTube

youtube.com/user/CelestialWealthMgmt

Connect with Gary:

Website

sbadvisors.cc/

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LinkedIn

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

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EP 004 Scott Smolen - Real Estate Realtor at RE/MAX Aug 05, 2020

Show notes

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

Connect with Gary:

Website

sbadvisors.cc/

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facebook.com/SmallBusinessAdvisors

LinkedIn

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

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