Grow Your Business and Grow Your Wealth

Latest Episodes:

Episode 221: Scaling a Business and Preparing for Sale Nov 01, 2024

What does it take to grow a family business into a global enterprise and successfully pass it on?

In this episode of Grow Your Business & Grow Your Wealth, guest host Danny Bullock interviews Jim Nooney, former CEO and owner of Nooney Controls Corp. Jim shares his inspiring story of transforming a small, family-run business into a global player in the industrial control valve industry. He discusses the importance of finding a business niche, taking calculated risks, and the leadership transition when it is time to sell the company. Jim offers actionable insights on building a solid team, managing international growth, and ensuring a smooth transition for future success.

📌 Key Takeaways:

🎯 Finding a niche is essential: Jim's business flourished when he focused on selling to Original Equipment Manufacturers (OEMs) in specialized industries.

💼 Preparation is key when selling a business: Proper planning and aligning the right buyer who understands your business model can ease the transition.

🤝 Teamwork drives success: Building a capable team and delegating responsibilities are crucial for scaling a business and preparing for its eventual sale.

🚀 Calculated risk-taking: Taking strategic risks was fundamental to Jim’s company expanding globally, opening doors to international markets.

🌱 Transitioning with stewardship: Jim's mindset of stewardship over ownership allowed him to lead effectively and transition smoothly when the time came to sell.

💬 Quote from Jim Nooney:

"At the end of the day, it’s not about being the owner—it’s about being a steward, ensuring the business thrives beyond you."

📞 How to Reach Jim Nooney:

For more insights and to connect with Jim, visit his LinkedIn profile here.

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Episode 220: Build and Protect Generational Wealth Oct 30, 2024

Have you ever wondered what it takes to manage family wealth across generations? This week, on Grow Your Business & Grow Your Wealth, host Gary Heldt and guest Elliot Kallen, CEO of Prosperity Financial Group, will discuss the strategies behind creating and sustaining generational wealth.

Elliot Kallen, the CEO of Prosperity Financial Group, shares his journey from entrepreneurship to wealth management. With a strong focus on family wealth, Elliot discusses the challenges of business succession, financial literacy, and ensuring the next generation is prepared to inherit and grow family wealth.

Key Takeaways include"

💼 Challenges in business succession and preparing the next generation to inherit and grow family wealth.

💡 The importance of financial literacy in family wealth management.

💖 Emotional aspects of managing wealth within families, including personal experiences.

🌟 Elliot's journey led to the founding of A Brighter Day, a foundation addressing teen stress and depression.

🏛 Insights on how business owners and high-net-worth families can protect and manage their legacies.

Quote:

“Family wealth is not just about what you leave behind financially; it's about how you prepare your family to handle it with wisdom and care. Planning ensures your wealth becomes a lasting legacy, not just a windfall.”

How to Reach Eliott:

Website: Prosperity Financial Group

Email: elliot@prosperityfinancialgroup.com

Phone: +1 510-206-1103 (West Coast Time)

Foundation Website: A Brighter Day – Helping teens and their families deal with stress and depression to prevent teen suicide.

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Episode 219: Transforming Tech Leadership: Holistic Growth for CEOs Oct 23, 2024

Are you ready to discover how holistic coaching can transform not just your business, but every aspect of your life?

In this episode, Gary Heldt sits down with Charles Rose, an executive coach with over 25 years of experience. Charles shares his journey from software developer and business owner to becoming a transformative coach who focuses on the holistic development of tech CEOs and leaders. He highlights the importance of addressing seven key areas of life—physical, mental, spiritual, emotional, financial, relationships, and career—to achieve sustainable personal and professional growth. Charles emphasizes the power of self-awareness and emotional clarity as key factors in leading a successful and fulfilling life.

Key Takeaways:

✅ Business success is deeply tied to personal development and self-awareness.

✅ Denial of personal challenges often hinders both personal and professional growth.

✅ Emotional and spiritual clarity can significantly enhance decision-making and leadership skills.

✅ Holistic coaching addresses seven critical areas of life, ensuring well-rounded growth.

✅ Investing in self-care is essential for maintaining long-term success in business.

Quote from Charles Rose:

"You're more capable than you realize. You're better than you think, and you are completely lovable and deserving of success."

How to Reach Charles:

You can connect with Charles Rose through his website at www.charlesrose.coach. Book a session or send him a message to learn more about his holistic coaching approach.

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Episode 218: Protecting Wealth Through Strategic Planning Oct 16, 2024

How can effective trust and estate planning secure your business and personal assets for future generations?

In this episode, Gary Heldt sits down with Regine Francois Williams, founder and Managing Partner of Francois Williams Legal LLC, to dive deep into the complexities of trust and estate planning. Regine discusses the importance of estate planning, debunks myths surrounding trusts, and shares valuable insights on business succession. From tax implications to incapacitation planning, this episode provides a wealth of knowledge for business owners who want to protect their assets and ensure a smooth transition for their businesses and families.

Key Takeaways:

✅ The importance of setting up both personal and business estate plans to avoid future complications.

✅ Revocable trusts offer flexibility and can be amended or terminated during the grantor's life.

✅ Irrevocable trusts are great for complex tax planning but limit asset control.

✅ Business owners should have a clear succession plan to prevent their businesses from falling apart in the event of incapacity or death.

✅ Trusts are essential for managing assets across multiple states and minimizing probate issues.

Quote:

“Planning is something we all need to take seriously. It could be a slight moment of incapacity, but everything could fall apart if there’s no plan.” - Regine

"An unfunded trust is meaningless. It’s like putting your most important file through the shredder." - Regine

How to Reach Regine:

You can connect with Regine Francois Williams through her website at www.fwilliamslegal.com, or find Francois Williams Legal on Instagram, Facebook, and LinkedIn.

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Episode 217: Unleashing Grit: From Military to Mastery Oct 09, 2024

❓ How do you harness the power of grit and resilience to turn a life of service into a successful business?

📄In this inspiring episode, we feature Rochelle Hemingway, the CEO and founder of Slay to Success LLC. Rochelle shares her incredible journey, from serving 30 years in the Air Force to launching a successful business. Discover how she found a new purpose, overcame the emotional and mental hurdles of transitioning from military life, and used personal branding to build a thriving company. This episode is a must-listen for anyone navigating major life transitions and seeking actionable advice on leveraging their past experiences to fuel future success.

📌 Key Takeaways:

🌟 Resilience is key: Turning obstacles into opportunities.

💪 From service to self: How military discipline aids entrepreneurship.

🎯 Start small, think big: Building a business starts with a strong foundation.

✨ Personal branding matters: Defining yourself outside of past roles.

🛠️ Skill transfer: Using military skills in business and personal growth.

💬 Quote from the Episode:

"You don’t have to depend on titles or positions to get to the next level—just start."

🔗 How to Reach Rochelle Hemingway:

🌐 Visit the website: slaytosuccess.com

🤝 Connect on LinkedIn for daily insights and updates.

📺 Watch her talk show on YouTube for more in-depth stories and advice.

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Episode 216: Master Government Contract Bidding Secrets Oct 02, 2024

Are you navigating the complexities of government contracts and procurement? Discover key legal strategies and insights from procurement law expert Barry Gogel!

In this episode, host Gary Heldt sits down with Barry Gogel, an attorney at Rifkin Weiner Livingston, LLC, who specializes in government procurement litigation. Barry shares his transition from teaching to law, offering valuable advice for businesses looking to engage in government contracting. He also discusses the importance of a transparent procurement process, bid protests, and the common mistakes businesses make when bidding for government contracts.

Key Takeaways:

✅ Understand Bid Protests: If your business is overlooked for a contract, you may have grounds for a protest, especially if there was an objective error in the evaluation process.
✅ Request a Debriefing: After a loss, always request a debriefing to understand why your bid was unsuccessful and gather crucial insights for future bids.
✅ Be Wary of Ambiguous Solicitations: Ensure that the government’s solicitation is clear and unambiguous. Don’t hesitate to ask questions before submitting your bid.
✅ Legal Help is Worth the Investment: While you may save money by drafting contracts yourself, having a legal expert ensures that your business is protected in the long run.
✅ Focus on Your Strengths: When bidding on government contracts, target projects that align with your business's core competencies to increase your chances of winning.

Quote from Barry Gogel:

"An ounce of business attorney is worth 5,000 pounds of litigation attorney."

How to Reach the Guest:

You can reach Barry Gogel at Rifkin Weiner Livingston, LLC, by calling 410-769-8080 or emailing bgogel@rwllaw.com.

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Episode 215: Vice President of Marketing at First Choice Debt Solutions Sep 25, 2024

Are you a business owner struggling to manage overwhelming debt and keep your business afloat? What if there was a way to tackle your financial burdens while protecting your assets?

In this episode, Gary Heldt sits down with Ralph Tommaso, Vice President of Marketing at First Choice Debt Solutions, to explore the intricate world of business debt management. Ralph shares his journey from facing financial ruin to becoming an expert in debt solutions. Together, they discuss actionable strategies for business owners to navigate debt, avoid common mistakes, and protect their assets. If you’re dealing with creditor pressure, merchant cash advances, or considering debt settlement, this episode is a must-listen.

5 Key Takeaways:

🏦 Know Your Numbers: Before diving into debt solutions, it's crucial to understand your revenue, profit margins, and overall financial situation. Ignorance can lead to deeper financial issues.

⚖️ Debt Settlement Pitfalls: Beware of debt settlement companies that take large fees upfront. Ralph explains why these companies often leave business owners worse off.

🏗️ Merchant Cash Advances: These high-interest loans can quickly spiral out of control. Ralph shares strategies to manage these debts and minimize financial damage.

📉 Don’t Wait Too Long: Business owners tend to be optimistic, but waiting too long to address financial problems can lead to bigger challenges down the road. Act early!

🤝 Find Trusted Help: Navigating debt alone can be overwhelming. Seek advice from reputable experts who can guide you through restructuring and finding the best solutions for your situation.

Conclusion:

Debt doesn’t have to mean the end of your business. With the right approach, including knowing your financials, avoiding predatory debt settlement companies, and acting early, you can find a path to recovery.

Take charge of your business's future by being proactive in managing your debt and trusting experts like Ralph Tommaso, who can help steer you back on track.

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Episode 214: Maximizing Returns in Commercial Real Estate Sep 18, 2024

Are you ready to explore how commercial real estate and intelligent investing strategies can fuel your business growth?

In this episode, Gary Heldt interviews Nic DeAngelo, CEO and Founder of Saint Investment Group, about commercial real estate, investment strategies, and adapting to today’s market. Nic shares his journey, starting in real estate during the Great Recession, and how he developed successful investment strategies despite the odds. Learn how commercial real estate can become a long-term asset and a reliable source of passive income.

✅ Key Takeaways

✔️ Invest Smart: Diversify your investment with a balance of active business and passive income through real estate.

✔️ Right Time, Right Market: Commercial real estate can still offer opportunities despite market fluctuations—know where to focus.

✔️ SBA Financing Advantage: Small business owners should use SBA financing to own their space.

✔️ AI in Real Estate: AI tools are becoming essential in underwriting and evaluating properties.

✔️ Prepare for Long-Term Inflation: The next decade will see higher inflation and interest rates—adjust your strategies accordingly.

💬 Quote from Nic

"Commercial real estate is the tool that allowed me to shift from constant hustle to having passive income and financial freedom."

How to Reach Nic DeAngelo

For more insights on real estate investment strategies, visit saintinvestment.com/resources to access free reports, videos, and economic data trackers.

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Episode 213: Preferred Equity Strategies Unveiled Sep 11, 2024

Are you ready to learn how to make smart investment decisions in today's challenging real estate market?

In this episode of "Grow Your Business & Grow Your Wealth," host Gary Heldt speaks with Darin Davis, the principal at Club Capital, about navigating the complexities of real estate investing. Darin shares his journey from working in tech sales to becoming a successful investor, providing insights into preferred equity and how it can be a strategic option for new and seasoned investors. He discusses the importance of understanding market data, avoiding emotional investment decisions, and seizing upcoming opportunities in the multifamily sector.

Key Takeaways:

🎯 Understanding the benefits of preferred equity and how it differs from common equity.

📊 Importance of data-driven decisions over emotional investing in real estate.

🏠 Current market conditions create unique opportunities for savvy investors.

💼 The role of multiple income streams in achieving financial stability and growth.

💡 Why asking the right questions is crucial for first-time and experienced investors.

Quote from Darin Davis:

"Education without execution is just entertainment. You've got to go feel some pain, execute, and get both feet in."

How to Reach Darin Davis:

To learn more about Darin Davis and Club Capital, visit clubcapital.co. You can find valuable resources like "Preferred Equity 101" and a list of key questions to ask your sponsor. Feel free to reach out to Darin directly via the contact information on the website.

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Episode 213: Building a Community-Focused Career Sep 10, 2024

🤔 What drives someone to passionately pursue a career in accounting, and how can that passion lead to a leadership role in one of the top accounting firms in New England? 🤔 What drives someone to passionately pursue a career in accounting, and how can that passion lead to a leadership role in one of the top accounting firms in New England?

In this episode, Danny Bullock interviews David Fontes, Managing Principal at Clifton Larson Allen (CLA) for the Rhode Island and New Bedford offices. David shares his career journey from a small accounting firm to leading multiple offices at CLA. He discusses his passion for accounting, his challenges, and how his role allows him to impact his community and clients positively. David emphasizes the importance of community involvement and how his firm prioritizes people and clients to create meaningful opportunities.

Key Takeaways:

💼 Passion for the Profession: David explains how his love for accounting goes beyond numbers, highlighting the importance of building relationships with clients and understanding their businesses.

🚀 Career Growth: Starting in a small firm allowed David to explore different aspects of accounting, which prepared him for a leadership role at a more prominent firm.

🌍 Community Focus: CLA strongly emphasizes community involvement and creating opportunities for employees and clients.

🏢 Managing Multiple Offices: David discusses the complexities of managing offices in different locations and his strategies to maintain a cohesive team.

🔄 Embracing Change: David discusses the importance of adaptability and embracing change, particularly in a profession often perceived as traditional or static.

👨‍👩‍👧‍👦 Balancing Work and Family: Despite his busy schedule, David prioritizes spending time with his family, demonstrating a commitment to work-life balance.

Quote from Guest: "I love being involved. The more clients I can touch, the more people I can connect with. It’s not just about accounting; it’s about building relationships and impacting the community."

**How to Connect with David: Visit the website: http: https://www.claconnect.com/en/directory/f/fontes-david

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Episode 212: Spin-Out Ventures: From Employee to Entrepreneur Sep 04, 2024

How do successful entrepreneurs transform their corporate experiences into thriving independent ventures? Learn from Sepideh Yeganegi's insights on the benefits of spin-out ventures!

📖 In this episode, Gary Heldt welcomes Sepideh Yeganegi, an Associate Professor in Strategic Management and co-author of "Spin-Out Ventures." Sepideh shares her expertise on spin-out ventures, where former employees of established companies leverage their acquired skills and knowledge to create new businesses. She discusses the misconceptions around entrepreneurship, emphasizing that many successful businesses originate from spin-outs rather than garages. Sepideh also provides valuable advice on maintaining a positive relationship with parent firms and highlights the mutual benefits spin-outs offer to both new and parent companies.

🗝️ 5 Key Takeaways:

➡️ Spin-Out Ventures Explained: Spin-outs are businesses founded by former employees of established companies who use their experience, skills, and networks to launch their ventures, often within the same industry.

➡️ Higher Success Rates: Spin-out ventures typically have a higher success rate compared to traditional startups due to the founders' industry knowledge and experience gained from their parent firms.

➡️Maintaining Positive Relationships: A healthy relationship between the parent firm and the spin-out can lead to mutual benefits, including potential collaborations and knowledge exchange.

➡️ Legal Considerations: Entrepreneurs must be mindful of legal constraints such as non-compete agreements, intellectual property rights, and non-solicitation clauses to avoid conflicts with their former employers.

➡️ Benefits for Parent Firms: Parent firms can benefit from spin-outs by retaining a stake in the new venture, fostering innovation, and potentially acquiring successful spin-outs in the future.

💬 Quote from Sepideh:

"Entrepreneurship isn't always about starting from scratch; it's often about leveraging what you've learned, building on existing knowledge, and navigating the industry with insights you gain while working within it."

Purchase the book on Amazon: https://www.amazon.com/Spinout-Ventures-Transitioning-Employees-Entrepreneurs-ebook/dp/B0CSGY85WV?asc_campaign=a70311baf6ca3959a10c6ff1f6d71af2&asc_source=01H1P39M5ZSG9J6WR6B1HBK9M0&tag=namespacebran492-20

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Episode 211: Unlocking Nearshoring Potential Aug 28, 2024

🎧 Have you ever wondered how nearshoring can revolutionize your business operations? Dive into this episode as Brian Samson, founder of Plugg Technologies, unveils the secrets behind tapping into Latin America's talent pool and the true power of nearshoring.

In this episode, Brian Samson shares his journey from San Francisco tech startups to founding Plugg Technologies, a company focused on connecting US businesses with top talent in Latin America. Brian discusses the nuances of nearshoring versus offshoring, the benefits of working within the same time zone, and why Latin America is a goldmine for skilled engineers and developers. He also delves into the cultural alignment between Latin America and the US, breaking down common misconceptions and highlighting the importance of viewing remote teams as valuable partners rather than just low-cost resources.

Key Takeaways:

💡 Nearshoring offers a strategic advantage with access to top talent in the same time zone.

💡 Cultural alignment with the US makes Latin American developers' excellent collaborators.

💡 The focus should be on value and labor arbitrage, not just cost-cutting.

💡 Treating remote teams as integral parts of your company fosters better results and relationships.

💡 Major companies like Google and Facebook have already validated the shift towards Latin America.

Quote from Brian: "You've got this whole population of hungry, motivated, earnest, enthusiastic, and creative talent in Latin America. They’re critical thinkers with no entitlement, just a desire to do great work."

How to Reach Brian: You can learn more about nearshoring and connect with Brian Samson through his company, Plugg Technologies, at plug.tech. Remember, that's Plug with two G's!

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Episode 210: Is Your Business Ready for Sale? Aug 21, 2024

🎙️Is your business ready for sale, or are you just owning a job? Discover the secrets to making your business genuinely saleable!

📋In this insightful episode of Grow Your Business & Grow Your Wealth, host Gary Heldt sits down with Richard Phillips, the founder and senior partner at Crossroads Capital. Richard shares his unique approach to helping businesses prepare for sale, emphasizing the importance of understanding your company's value, preparing for diligence, and institutionalizing your operations to make your business more attractive to buyers. Whether you're a small business owner or looking to scale, this conversation provides valuable insights into business transactions and how to maximize your company's worth.

🔑 Key Takeaways:

🏢 Institutionalize Your Operations: Richard stresses the importance of making your business turnkey by taking yourself out of the day-to-day operations. A saleable business can operate independently of its owner.

💼 Early Preparation is Key: The earlier you start preparing your business for sale, the better. Engaging with professionals like attorneys and wealth managers before contacting an investment banker can set the foundation for a successful sale.

💰 Understand Your Business’s Value: It is crucial to know what your business is worth and what the buyer pool looks like. This understanding will guide the process, whether a negotiated transaction or a broader auction.

💡 Blurring the Lines in the Market: Richard discusses the evolving landscape where the lines between strategic and financial buyers are becoming increasingly blurred, impacting how deals are structured and executed.

🏦 Impact of Interest Rates on Deals: While rising interest rates have an impact, they have not significantly reduced valuations. Instead, deals are taking longer, with less cash involved and more deferred or contingent considerations.

💬 Quote from Richard Phillips:

"I've never met a business owner who thought his company was worth less than what we came up with."

📧 How to Reach Richard Phillips:

LinkedIn: https://www.linkedin.com/in/richardpphillips/

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Episode 209: Mastering Diversity in Small Business Recruitment Aug 14, 2024

❓ :How can small businesses effectively address diversity gaps in their recruiting process?

📝 In this insightful episode, Gary Heldt interviews Pamela McElvane, the founder and CEO of Diversity MBA Media, about the challenges and opportunities small businesses face in creating diverse and inclusive work environments. Pamela shares her journey from corporate America to entrepreneurship and provides practical advice for small business owners looking to diversify their workforce. She emphasizes the importance of intentionality in hiring practices, leveraging resources, and the role of leadership in fostering diversity. Pamela also discusses her latest projects, including her books and thought leadership in the diversity and inclusion space.

✅ Key Takeaways:

Intentionality is Key: To diversify your workforce, businesses must be deliberate in their recruiting strategies, ensuring they go beyond their immediate circles.

Leverage Resources: Small businesses should use industry conferences, online tools, and professional associations to find diverse talent.

Measure Success: Implement key performance indicators (KPIs) to assess the effectiveness of your recruitment and talent management processes.

Ask for Help: To enhance your diversity efforts, don’t be afraid to seek guidance from larger organizations or industry experts.

💬 Quotes:

"To be sustainable, you have to be relevant, and that means adapting to the changing marketplace."

"Entrepreneurs need to be passionate about what they do but also be willing to learn and adjust."

"Failure is not an option; it’s about failing forward and learning from each attempt."

📬 Connect with Pamela McElvane:

Website: diversitymbamagazine.com

Email: Pam@diversitymbamagazine.com

Tune in next week for more insights on growing your business and wealth with Gary Heldt!

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Episode 208: Enhance Business Growth with Proven Financial Strategies Aug 07, 2024

Ever wondered what it takes to transform a struggling business into a thriving success story?

📜This week, Gary Heldt interviews John Macielag, the president and founder of All Seasons Capital & Advisory. John shares his journey into finance, beginning with his early days at Merrill Lynch. He discusses his passion for helping people achieve business success and financial stability. The conversation covers common financial planning mistakes, effective cash flow and payroll management, and the importance of truly understanding clients.

💡 Key Takeaways:

➡️ Taking action is crucial to overcoming financial planning paralysis.

➡️ Understanding payroll and demographics can guide better financial decisions.

➡️ Building a deep, personal relationship with clients enhances advisory services.

➡️ Success can come from innovative thinking and strategic partnerships.

📣 Quote from John: "It's thinking about our clients and their goals, ambitions, dreams, and objectives. What's happening now that's pertinent to them achieving their goals and what we can do today to work on that."

📞 How to Reach John:

Website: https://www.allseasonscapadv.com/

Tune in for an episode filled with valuable insights and practical advice for business owners looking to grow their wealth and achieve long-term success.

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Episode 002: Strategic Aircraft Ownership Tax Planning: Expert Advice Aug 01, 2024

Are you ready to unlock the secrets of maximizing financial benefits from aircraft ownership?

Join us for an eye-opening discussion with tax planning expert KJ McCarter!

In this episode of Grow Your Business & Grow Your Wealth, guest host David T. Yu sits down with guest KJ McCarter to discuss maximizing the financial benefits of aircraft ownership and navigating the intricate world of tax planning. KJ shares his journey from working at a Big Four public accounting firm to specializing in aviation tax consulting, driven by personal motivation and a passion for the industry. They delve into the unique challenges and opportunities in aviation tax consulting, the importance of early tax planning, and the strategies for complying with IRS regulations while optimizing tax savings.

Key Takeaways:

Early Planning is Crucial: Start tax planning at least two months before purchasing an aircraft to ensure optimal ownership structure and tax benefits.

Understand Sales and Use Tax: Be aware of different state regulations and plan accordingly to minimize sales and use tax liabilities.

Document Properly: Maintain accurate flight logs to differentiate between business, personal, and entertainment use for IRS compliance.

Utilize Available Exemptions: Leverage exemptions like interstate commerce to reduce tax liabilities significantly.

Seek Expert Advice: Work with specialized tax consultants to navigate the complexities of aviation tax laws and avoid costly mistakes.

Quote from KJ McCarter: "The earlier you start thinking about tax planning, the better. A proactive approach allows us to optimize your tax strategy and ensure compliance, saving you time and money."

How to Reach KJ McCarter:

Email: KJ@aviationtaxconsultants.com

Website: Aviation Tax Consultants

Guest Host Information: David T. Yu is an airline pilot, founder, and wealth advisor at DT Yu Wealth Planning Solutions. Connect with David for more insights on growing your business and wealth. Visit his website: https://www.dtywealthplanningsolutions.com/

Call to Action: Please subscribe, leave a review, and share this episode with anyone interested in aviation tax planning and aircraft ownership!

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Episode 206: Strategic Entrepreneurial Alignment Jul 31, 2024

Ever wonder how a design background can lead to building a multimillion-dollar international company and a framework for coaching high-performing entrepreneurs? Join us on today's episode of Grow Your Business & Grow Your Wealth as we explore Katie Richardson's unique journey and insights.

Host Gary Heldt interviews guest Katie Richardson, a successful entrepreneur and business coach, who shares her fascinating journey from studying design to building a multimillion-dollar international company. Katie discusses the power of design thinking in problem-solving and creating solutions, highlighting how her unique approach sets her apart from the competition. She emphasizes the importance of aligning various aspects of life—business, marriage, health, and spirituality—into a cohesive system that complements rather than conflicts with each other.

Katie provides valuable insights into the mindset shifts necessary for business owners to succeed, including the need to look internally for solutions and to empower their teams. She also shares her robust operating system framework, including vision, inspire, team, align, and lead systems designed to help entrepreneurs achieve perpetual growth and internal alignment.

Key Takeaways:

✅ Design Thinking in Business: Katie emphasizes the value of applying design thinking to solve complex business problems and create innovative solutions.

✅ Aligning Life and Business: She highlights the importance of aligning business, family, health, and spirituality to build a fulfilling and sustainable life.

✅ Internal Solutions: Katie stresses the need for business owners to look internally to find solutions and make necessary changes within themselves.

✅ Empowering Teams: Empowering team members and understanding their motivations is crucial for business success.

✅ Powerful Operating System Framework: Katie introduces her five-system framework—Vision, Inspire, Team, Align, and Lead—to help entrepreneurs achieve growth and alignment.

Quotes from Katie:

"Design is about problem-solving. It's about understanding complex systems and creating a solution by reverse engineering for the outcome you want."

"When you can separate yourself from the competition by thinking differently, you literally are separate from them."

How to Reach Katie Richardson:

Podcast: Listen to Katie's podcast, "What's Working Now," to hear more of her insights and stories.

Website: Visit now https://katierichardson.com/ to explore case studies and apply for coaching sessions.

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Episode 205: from CIA Agent to Successful Entrepreneur Jul 24, 2024

Are you ready to discover the secrets of transitioning from a high-stakes CIA career to successful entrepreneurship?

🔍In this episode of "Grow Your Business & Grow Your Wealth," Gary Heldt interviews Rupal Patel, former CIA officer turned successful entrepreneur and author of "CIA to CEO." Rupal shares her journey from the structured environment of the CIA to the dynamic world of business ownership. She discusses the influence of her parents' teachings on financial independence and the importance of humility, confidence, and building value-aligned teams. Rupal emphasizes the significance of recognizing the multifaceted talents of employees to create a more inclusive and productive work environment.

✅ Key Takeaways:

💡 Financial independence is crucial for not overly reliant on a single source of income.

💼 Leadership and performance mindsets learned at the CIA can be applied to running a business.

🌟 Building a team with shared values is essential for successful collaboration.

🤝 Humility in business interactions fosters trust within teams and leads to effective decision-making.

🧠 Handling unexpected situations requires acknowledging the unknown and responding calmly.

🌍 Recognizing individuals beyond their job roles creates a more inclusive and productive work environment.

📢 Quotes from Rupal Patel:

"The ability to say I don't know with confidence is one of the most undervalued, under-expressed, and under-practiced skills in the world."

"I want us to find ways to rehumanize the workplace and our approach to success and ambition."

📞 How to Reach Rupal Patel: You can connect with Rupal Patel on LinkedIn https://www.linkedin.com/in/rupal-patel-2145a960/?originalSubdomain=uk

For more information about her "CIA to CEO" book, visit her website at CIAtoCEO.com.

Tune in to hear more from Rupal Patel on integrating these valuable insights into your business strategy and personal growth journey.

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Episode 204: Retirement Readiness: Key Advice for a Secure Future Jul 17, 2024

🚀 Are you prepared for the journey back down the mountain of life as you approach retirement? Discover the crucial steps to secure your financial future with insights from an expert.

🎙️ In this episode of "Grow Your Business & Grow Your Wealth," host Gary Heldt welcomes Aaron Cirksena, the founder and CEO of MDRN Capital. Aaron shares his extensive experience in the financial advising space, discussing the transition from working at a significant financial institution to founding his independent advisory firm. The conversation delves into the intricacies of retirement planning, emphasizing the importance of distribution planning, the differences between working with a wirehouse versus an independent advisor, and the common mistakes people make as they approach and enter retirement. Aaron also provides valuable advice on selecting the right financial advisor and the benefits of starting retirement planning early.

📌 Key Takeaways:

🏔️ Distribution Planning: Aaron explains the concept of distribution planning as the journey back down the mountain, highlighting the importance of preparing for the phase of life where you start withdrawing from your retirement accounts.

⚖️ Wirehouse vs. Independent Advisors: The discussion covers the inherent conflicts of interest in wirehouses and the benefits of working with independent advisors who can offer unbiased advice and a more comprehensive range of products.

🚫 Common Mistakes: Aaron identifies common mistakes in retirement planning, such as not managing taxes efficiently and failing to reallocate portfolios appropriately for the withdrawal phase.

✅ Selecting the Right Advisor: The importance of choosing an advisor with experience in similar life stages, a good personality fit, and an independent stance is emphasized.

💬 Quotes:

"Think of retirement planning as the journey back down the mountain. It's crucial to have a strategy for the distribution phase, where the risks are different from the accumulation phase."

"One of the biggest differences in working with an independent advisor is the lack of inherent conflicts of interest. We choose the products that make the most sense for our clients without any bias."

🌐 How to Reach Aaron: To learn more about Aaron Cirksena and MDRN Capital, visit mdrncapital.com. You can also find more information and schedule a meeting through their website.

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Episode 001: Aviation Safety: Medical Expert Insights Jul 17, 2024

Fasten your seatbelts and prepare for takeoff as David T. Yu, our guest host on Grow Your Business & Grow Your Wealth, pilots today's conversation with guest Dr. Dylan Caldwell. They'll soar through the thrilling intersection of healthcare and aviation, exploring how keeping pilots healthy is key to keeping our skies safe.

Ever wondered what keeps our pilots sharp and our flights smooth? Strap in as we uncover the critical role of aviation medicine!

Key Questions:

✔️ How did Dr. Caldwell trade emergency room adrenaline for the high-flying world of aviation medicine?

✔️ What magic does an Aviation Medical Examiner perform to certify our pilots as fit for flight?

✔️ What are Dr. Caldwell's top tips for pilots to stay healthy in the skies?

✔️ Dr. Caldwell shares his adventurous shift from the ER to the cockpit, revealing how his passion for piloting and patient care fuels his current mission: ensuring pilots are in top-notch health for every takeoff.

Key Takeaways:

✅ Passion Powers Purpose: Dr. Caldwell's journey is a testament to how blending personal passions with professional pursuits can lead to fulfilling and impactful careers.

✅ Safety in the Skies: Rigorous health standards for pilots are not just bureaucratic hoops but crucial measures that ensure every flight is as safe as possible.

✅ Health is Wealth: For pilots, managing health is non-negotiable. Staying fit and following medical advice isn’t just about passing tests but safeguarding lives.

Notable Quotes:

💬 Dr. Caldwell on pilot wellness: "Keeping your health on the radar is crucial—not just for passing your physical but for ensuring you can enjoy the journey, both in the air and on the ground."

💬 On the importance of his role: "Every pilot I clear for takeoff is a family kept safe, a cargo delivered securely. It’s much more than medicine; it’s about maintaining the heartbeat of the aviation industry."

As we taxi back to the terminal, David and Dr. Caldwell remind all aviators and listeners alike to stay healthy, stay sharp, and keep reaching for the skies! Whether piloting a plane or navigating life's challenges, maintaining your health is your ticket to success.

Are you inspired to learn more about the heroes behind the cockpit?

Visit The Aviators’ Clinic, and don't forget to subscribe and leave a review for more enlightening episodes.

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Episode 203: Turning Failures into Success Jul 10, 2024

Ever wondered how to turn failures into stepping stones for success? Join us as Damion Lupo shares his journey of building over 70 companies and the lessons learned. 📈

In this episode, Gary Heldt sits down with Damion Lupo, a seasoned entrepreneur who has started and run over 70 companies in the past 30 years. Damion shares his unique insights into the importance of relationships in business, the value of the human touch, and the necessity of understanding and managing financials. He emphasizes learning from failures, the power of mentorship, and the critical role of focus in achieving business success. Damion also introduces his latest venture, Frame Tech, and their innovative approaches to disrupt the construction industry.

🔑 Key Takeaways

Learn from Failures: Damion's journey highlights that failure is a stepping stone to success. Embrace mistakes, learn from them, and grow.

Importance of Relationships: Building genuine relationships can significantly impact your business growth and customer loyalty. A handwritten note or a personal touch can make all the difference. 📝❤️

Human Touch in Business: In an era dominated by automation, maintaining a personal connection with customers can set you apart. People prefer to do business with other people, not faceless entities.

Mentorship and Coaching: Seek mentors who will tell you the hard truths, not just what you want to hear. Being accountable and receptive to feedback is crucial for personal and professional growth.

Focus on Financials: Always know your numbers. Proper financial management is the backbone of any successful business. 💼💡

The Power of Focus: Avoiding distractions and focusing on one main goal or project can lead to more tremendous success. Riches are in the niches.

How to Reach Damion

Website: https://www.frametec.com/

Special Audience Giveaway:

GIVEAWAY TITLE - Turnkey Retirement

GIVEAWAY URL - turnkeyretirement.com

Social Media:

Twitter - https://twitter.com/damionlupo

Facebook - https://www.facebook.com/damionlupo

LinkedIn - https://www.linkedin.com/in/damionlupo/

YouTube - https://www.youtube.com/channel/UC6qIIkh9nXpzeqF0TofSFGA - Damion Lupo

Thank you for tuning in! Be sure to check out Damion's new book and learn more about his revolutionary work at Frame Tech. 🎧🌟

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Episode 202: Captain Marco Torres Jul 03, 2024

🎯 Ever wondered how incentives can transform your business strategy? Dive into the world of incentive marketing to boost your business and create irresistible offers for your customers!

🌟 In this episode, we explore the powerful impact of incentive marketing with Marco Torres, founder of Marketing Boost. He shares his journey from significant career setbacks to developing a thriving platform that helps businesses grow through strategic incentive offerings.

📘 Marco Torres discusses his journey of overcoming business failures and how he pioneered a new way of marketing by utilizing incentives. He delves into the creation of Marketing Boost, a platform that allows businesses to offer travel incentives, hotel savings cards, and restaurant savings vouchers to enhance customer engagement and sales. The discussion covers practical strategies for implementing incentives effectively to avoid common pitfalls and maximize return on investment.

🔑 Key Takeaways:

✅ Incentive Strategy: Learn the optimal timing and methods for offering incentives to achieve peak customer satisfaction.

✅ Customer Engagement: Discover techniques to increase customer engagement through targeted incentive offers.

✅ Business Growth: Gain insights into how incentives can drive business growth and customer loyalty.

✅ Handling Challenges: Understand common mistakes in incentive marketing and how to avoid them.

🤝 How to Reach Marco & Special Offer: Marco invites listeners to explore Marketing Boost and take advantage of a special offer for the audience. Visit Marketing Boost Solutions to access a freemium version of their services, allowing you to try out the platform with no credit card required and start implementing incentives in your business strategy today.

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Episode 201: Jeremy Vesta Jun 26, 2024

How can embedding medical expertise within your team transform employee healthcare management and boost company culture?

The Hook: Join Jeremy Vesta, the Chief Financial Officer of Curally, as he explores the transformative power of proactive healthcare management within the workplace. Learn how direct access to medical professionals not only streamlines healthcare needs but also significantly boosts employee morale and productivity 🚀.

Summary: Jeremy Vesta shares his innovative approach to integrating healthcare professionals into the workforce. This strategy effectively addresses chronic health conditions and significantly cuts healthcare costs. By promoting a culture of preventive care and trust, Curally is pioneering new standards in the healthcare sector, demonstrating that personalized care plans can substantially enhance employee well-being and organizational culture 🌱.

Key Takeaways:

🩺 Tailored healthcare significantly reduces costs and improves employee health.

🏢 Strong company culture driven by comprehensive health management leads to higher employee retention.

🚑 Proactive healthcare minimizes emergency healthcare interventions.

🤝 Trust between employees and healthcare providers increases program effectiveness.

💼 Curally’s innovative health management strategies offer a blueprint for businesses aiming to improve health outcomes.

Connect with Jeremy: Learn more about Curally's cutting-edge healthcare solutions and connect with Jeremy by visiting Curally's Website. Dive into the discussion and discover how you can revolutionize your organization's health management approach! 🌐

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Episode 200: Bruce Corris Interviews Gary Heldt Jun 19, 2024

Have you ever wondered what it takes to pivot from an aspiring FBI agent to a successful tax coach and business consultant?

In this milestone 200th episode, the tables turn as Bruce Corris, President of Market Domination LLC, interviews Gary Heldt, the man behind the mic.

In this special 200th episode of "Grow Your Business & Grow Your Wealth," host Gary Heldt becomes the interviewee as Bruce Corris takes the reins. Gary shares his unique career journey, beginning with his dreams of joining the FBI, which led him to pursue an accounting degree. When an FBI hiring freeze derailed his plans, Gary transitioned into the accounting world, becoming a Certified Public Accountant and later a certified tax coach. Throughout the episode, Gary reflects on the evolution of his podcast, the importance of proactive tax planning, and the critical role of having a diverse team of professionals. This conversation celebrates Gary's career and provides valuable insights for business owners and aspiring professionals.

Key Takeaways:

🗂️ Proactive Tax Planning: Emphasize the importance of tax planning for business owners, highlighting how it differs from mere tax preparation.

🏈 Team Dynamics: The significance of having a well-rounded team of professionals to support business growth is likened to the dynamics of a football team.

🎙️ Podcast Evolution: The evolution of Gary's podcast to address the ever-changing landscape of business, economy, and politics.

🎓 College Planning Challenges: Insights into the changing landscape of college planning and its impact on families.

📚 Continuous Learning: The value of continuous learning and adaptation in business, as demonstrated by Gary's journey and the diverse topics covered in his podcast.

Quotes:

"I was watching the movie 'The Untouchables' and thought it was so cool to be an FBI agent." - Gary Heldt.
"A lot of accountants are like archaeologists, digging into the past. What you're doing is planning ahead for the future." - Bruce Corris.
"I think that a lot of people that own small businesses were great at their trade but never learned the steps to run a business." - Gary Heldt.
"It's crucial to have a diverse team of professionals, not just accountants and lawyers, but also marketing and technology experts." - Gary Heldt.
"I want to be there to help give business owners the information they need to make informed decisions." - Gary Heldt.

🎉 Congratulations to Gary Heldt on reaching the incredible milestone of 200 episodes! Your journey from aspiring FBI agent to tax coach and business consultant is inspiring.

Connect with Gary on LinkedIn to stay updated on his latest insights and continue the conversation: https://www.linkedin.com/in/gary-d-heldt-jr/

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Episode 199: Peter Kingma Jun 12, 2024

Unlock the Secrets of Cash Flow Management - Join Peter Kingma, former Ernest & Young employee and author of "Cash is King," as he reveals crucial strategies to master cash flow and avoid common financial pitfalls that many businesses face.

📖 In this enlightening episode, Peter Kingma discusses the fundamental importance of understanding and managing cash flow to prevent bankruptcy and ensure long-term business stability. Drawing on his personal experiences and extensive knowledge, Peter emphasizes the need for businesses to create cash flow budgets and align organizational incentives with collected revenues, not just sales.

🌟 Key Takeaways

💡 Effective cash flow management is crucial for preventing business failure.

🔄 Timely invoicing and managing accounts receivable can dramatically improve financial health.

🔄 Proper inventory management directly affects cash availability and business operations.

💸 Strategic alignment of incentives within the organization fosters better performance and cash flow management.

📚 "Cash is King" is a vital resource available in multiple formats, providing accessible, actionable insights.

📞 How to Reach Peter Kingma

🌐 Visit Peter Kingma's website: peterkingma.com

📖 Find "Cash is King" on platforms like Amazon and Barnes & Noble for a deep dive into effective cash management practices.

🎧 Stay tuned for the Audible version of "Cash is King," coming this summer for on-the-go learning.

Make sure to implement these insights to navigate your business towards sustainable success!

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Episode 198: Neil Twa Jun 05, 2024

How can small business owners navigate the complexities of digital marketing to achieve long-term success and wealth?

📜 Summary:

Neil Twa's digital marketing journey began with an early passion for technology during the AOL era. Transitioning from a degree in music to a corporate career, Neil contributed to significant projects at Sprint and IBM. By 2012, he launched his own private label brand on Amazon, growing it into a seven-figure business within two years. Today, Neil leverages his extensive experience to help small business owners navigate e-commerce, emphasizing irresistible offers and a deep understanding of customer needs to drive success and generational wealth.

✨ Key Takeaways:

📈 Own Both Product and Lead Generation: To maximize profits and business growth, owning both aspects is crucial.

💡 Create Irresistible Offers: Understanding customer needs and tailoring compelling offers that are hard to refuse.

📊 Understand ROI: Focus on profit growth and cash turnover metrics for effective digital marketing.

📚 Business Training and Mentorship: Essential for educating business owners on running successful businesses and viewing them as assets from the start.

🌱 Build a Lifestyle-Driven Business: Centered around family and personal values for long-term success and fulfillment.

📜 Quotes:

"If purpose drives first, profit will come behind it. It naturally will be a byproduct of the purpose and tenacity and time and energy you're willing to put into anything."

"Sales fixes everything. A lot of business owners are afraid to sell. And so they think that the idea is that customers want to be sold when in actuality they want to buy."

Learn more about Neal: https://www.voltagedm.com/learnmore

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Episode 197: Mickie Kennedy May 29, 2024

Ever wondered how to make your press releases stand out and gain media attention? Mickie Kennedy, founder of eReleases, shares his expert insights and innovative strategies to revolutionize your approach to press releases.

In this episode, Gary Heldt interviews Mickie Kennedy, founder and president of eReleases. Mickie shares his journey from a creative writing background to establishing a successful press release distribution company. He discusses the evolving landscape of press releases, emphasizing the importance of data-driven content, engaging local media, and utilizing contrarian messaging to stand out. Mickie also highlights the significance of visual content in press releases and offers practical tips for small businesses to gain media coverage and build credibility.

Key Takeaways:

📊 Data-Driven Press Releases: Incorporating data and use case studies in press releases can significantly enhance media success.

📰 Local Media Engagement: Building relationships with local newspapers and community papers is a cost-effective way to gain free publicity.

💡 Contrarian Messaging: Challenging popular narratives can help businesses capture media attention and contribute to balanced industry discussions.

🎥 Visual Evolution: The future of press releases includes more video content and the importance of photos to engage online audiences.

🗣️ Human Connection: Sharing personal stories and human interest elements can create a strong connection with the audience and journalists.

Quotes from Mickie:

"When a journalist writes about you, it's almost like an implied endorsement and it really is a signal of trust."

"We are people who like to do business with other people. We don't like doing business with corporate names and logos and stuff like that. We want a connection."

How to Reach Mickie Kennedy:

Website: ereleases.com

Social Media: All social media links are available on the lower right of the eReleases website.

Free Masterclass: Available at ereleases.com/plan. This masterclass covers strategic press releases and local media engagement.

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Episode 196: Matt Ohrt May 22, 2024

How can self-funding change the healthcare landscape for employers and employees alike?

Matt Ohrt, the co-founder of Self Fund Health and author of "Save Your Company," brings nearly 25 years of diverse industry experience to the table. He sheds light on how self-funding can revolutionize employer-driven healthcare. His insights provide a pathway for employers to take control of their healthcare expenses and improve employee benefits.

This episode dives into the intricacies of self-funded healthcare plans, emphasizing their potential to manage rising healthcare costs effectively. Matt Ohrt discusses the importance of educating employees about their healthcare options and the benefits of a patient-centered direct primary care model. The conversation explores the shift from traditional fully insured plans to more flexible self-funded options that can lead to significant cost savings and better health outcomes.

Key Takeaways:

📘 Educational Empowerment: Educating employees about self-funding enables informed decision-making and fosters cost-saving measures.

🌍 Strategic Self-Funding: Self-funding allows employers to manage healthcare costs more actively, offering potential savings and enhanced control over health benefits.

🛡 The Role of Stop-Loss Insurance: Understanding stop-loss coverage is crucial as it protects against high claims, a key component in self-funding.

🏥 Advantages of Direct Primary Care: This model enhances access to healthcare by allowing direct interactions with healthcare providers, leading to improved health outcomes.

💰 Cost-Effectiveness: Focusing on preventive care and effective management can reduce healthcare expenses.

Quotes from Matt Ohrt:

"If you don't understand it, how in the world are you ever going to manage it or get your employees to buy into it or do any strategy?"
"We believe this is the future of healthcare."

How to Reach Matt:

Website: Self Fund Health
Email: matt@selffundhealth.com

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Episode 195: Christian Espinosa May 15, 2024

🎙️ Ever wondered what it takes to thrive in the high-stakes world of cybersecurity? Tune in as Christian Espinosa, former Air Force officer and CEO of Blue Coat Cyber, unveils his journey from military service to pioneering cybersecurity solutions.

Christian Espinosa shares his inspiring transition from the Air Force to founding Blue Coat Cyber, a company at the forefront of medical device cybersecurity. He discusses overcoming professional challenges, emphasizing mental health, and the passion required to succeed in today's fast-paced cybersecurity landscape. Listen as he delves into the intricacies of phishing prevention, ethical hacking, and the critical balance between automation efficiency and accuracy.

🔑 Key Takeaways:

🌟 Christian's military background played a pivotal role in shaping his cybersecurity expertise.

🌐 Blue Coat Cyber is a leader in securing medical devices, ensuring they meet rigorous FDA standards.

🛡️ Phishing attacks remain a significant threat; ongoing training and awareness are essential for prevention.

🔓 Ethical hacking is crucial for uncovering potential security vulnerabilities before they are exploited.

⚙️ It's vital to balance the speed and precision of automation to avoid costly errors.

💼 Small businesses must prioritize cybersecurity to protect against increasing digital threats.

📞 Connect with Christian:

For more insights into cybersecurity and to connect with Christian Espinosa, visit Blue Coat Cyber or follow him on social media.

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Episode 194: James and Bersabeh Ray May 08, 2024

"True wealth goes beyond material possessions—it's about what remains when all else is lost." – James and Bersabeh Ray

In this episode of Grow Your Business & Grow Your Wealth, guests James and Bersabeh Ray delve into the principles of Harmonic Wealth Global, advocating for a comprehensive view of wealth that spans financial, relational, mental, physical, and spiritual well-being. They share their personal journey of overcoming severe challenges and how these experiences led them to redefine wealth as a dynamic and harmonious state, emphasizing the importance of consciousness, communication, and culture in both personal and organizational development.

💡 Key Takeaways

🌐 Holistic Approach: Wealth should be viewed holistically, encompassing more than just financial success.
🔄 Redefining Wealth: True wealth includes mental, emotional, and spiritual resilience.
🤝 Importance of Values: Aligning personal and business values is crucial for fulfillment and integrity.
💪 Significance of Physical Health: Good physical health is essential for achieving high performance and success.
⏳ Discipline in Life: Effective time management and lifestyle choices are key to enhancing productivity and achieving goals.

🗣️ Memorable Quote

"Wealth is not what you have. True wealth is what you're left with when all you have is gone." – James and Bersabeh Ray

📬 How to Reach James and Bersabeh Ray

Listeners interested in learning more about Harmonic Wealth Global or connecting with James and Bersabeh can visit their website at Harmonic Wealth Global or follow them on their social media platforms.

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Episode 193: Damon Burton May 01, 2024

What does it take to truly excel in the competitive world of SEO?

Tune in as Damon Burton, founder and president of SEO National, shares his profound insights from 17 years of leading successful SEO campaigns. Discover why investing in quality SEO services is crucial for substantial business growth.

📝 Episode Summary:

In this insightful episode, Damon Burton delves deep into the nuances of effective SEO strategies. With years of expertise, Damon explains the importance of aligning SEO strategies with user intent and the significant correlation between SEO quality and cost. He highlights the critical role of a comprehensive website audit and the influence of AI on SEO in today's digital marketing landscape. Key segments include discussions on selecting the right SEO agency, optimizing website structure for SEO success, and understanding the financial commitment required for impactful results.

✨ Key Takeaways:

🚀 Investing in SEO is essential for significant business growth, with costs generally ranging from $1,000 to $5,500 per month depending on the agency and strategy complexity.

🌐 A deep dive into how AI is reshaping SEO, emphasizing the need for high-quality, user-focused content.

🛠️ The importance of a detailed website audit as the foundation for any successful SEO strategy.

🤝 Key factors to consider when choosing an SEO agency, including the need for clear communication and strategic transparency.

🔗 How to Connect with Damon Burton:

Website: Visit DamonBurton.com for more insights and a free SEO book.

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Episode 192: Mark Murphy Apr 24, 2024

How can you transform your financial strategy to build true wealth in an unpredictable market?

In this insightful episode, Mark Murphy, the CEO of Northeast Private Client Group, is not just another financial expert – he's a strategic genius, a best-selling author, and a dynamic speaker who has earned his place as a leader in empowering entrepreneurs.

Mark has gained widespread recognition as a key business strategist who has helped advise entrepreneurs with over $1 billion in assets. He has recently been recognized as the #1 Financial Security Professional in New Jersey and is ranked #15 nationwide by Forbes. Mark is at the forefront of transforming how entrepreneurs approach wealth creation. His best-selling book, The Ultimate Investment: A Roadmap to Grow Your Business and Build Multigenerational Wealth, has garnered praise for its insightful guidance on achieving lasting financial success.

Murphy brings a growth and investment-centric mindset crucial for wealth creation. He emphasizes the importance of diversifying income streams and investing in businesses, real estate, and financing deals rather than solely relying on traditional financial products. Key topics covered include cash confidence, asset mix, and strategic planning tailored to individual client needs.

Key Takeaways:

📈 True wealth comes from diversifying income streams and investing in tangible assets.

🧠 Adopting an entrepreneurial mindset is essential for navigating financial landscapes successfully.

🏦 Early financial planning is crucial for achieving long-term stability and multi-generational wealth.

🤝 Involvement in financial planning and understanding client needs are pivotal for a successful client-advisor relationship.

Quote from Mark:

"True wealth is created by investing in your business or some other operating company. It's investing in real estate. It's financing deals. We focus not just on wealth but on creating a life that includes health, wealth, love, and purpose."

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Episode 191: Justin Janowski Apr 17, 2024

How can integrating faith into your sales strategy lead to more authentic and successful business interactions?

In this episode, we delve into the transformative journey of a coach who has successfully blended faith and business ethics. His unique approach has created a coaching platform that not only empowers entrepreneurs but also inspires them to reach new heights. The discussion uncovers the art of asking probing questions to understand client needs, pre-framing sales calls to establish trust, and being fully present to ensure meaningful conversations and successful outcomes.

Key Takeaways

🤔 Asking deep, curious questions is key to identifying client problems and facilitating successful sales.

🙏 Faith integration in business nurtures a service-oriented mindset and fosters abundance.

💼 Pre-framing sales calls is critical for setting expectations and creating a conducive environment for success.

🧘 Emotional presence in interactions builds rapport and enhances the client experience.

Quotes from Justin

"Sales is about making it as easy as possible for the right people to say yes."

"Pre-framing the sales call is the most important thing. It sets the stage for what's about to happen."

How to Reach

Discover transformative sales strategies and coaching insights by visiting a platform that integrates faith into business. Engage with a wealth of resources that bridge spirituality and commercial success, accessible through a comprehensive online portal. www.faith2influence.com

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Episode 190: Parker Pursell Apr 10, 2024

🎙️ How can the eQRP system revolutionize your approach to retirement planning and financial freedom?

In this enlightening episode, Parker Pursell, an expert in the self-directed retirement industry, discusses the eQRP system's advantages. With a focus on empowering individuals to manage their retirement funds, Pursell advocates for a shift away from traditional retirement plans like 401Ks and Social Security, which he views as restrictive. He shares insights into alternative investment options, tax benefits, and the importance of financial education and mentorship.

Key Takeaways

🔑 The eQRP system offers a self-directed approach, allowing individuals to invest beyond traditional Wall Street options in diverse assets like collectibles and real estate.

🔑 Choosing a 401K over a self-directed IRA for real estate can save significant amounts in taxes, emphasizing the need for strategic retirement vehicle selection.

🔑 Financial empowerment and independence are achievable by educating oneself and making informed investment decisions through self-directed retirement planning.

Quotes

"Our goal and whole mission is to help come alongside people and empower them to take control over their financial lives." - Parker Pursell
"If you give a man a fish, he eats for a day... What we're interested in is teaching people how to fish to where they never have to go ask for fish again." - Parker Pursell
"It's not as hard as you think it is." - Parker Pursell

How to Reach Parker Pursell

🌐 Visit eQRP's website at eqrp.com to learn more about their offerings and to schedule a consultation.

📧 Sign up for the free "Turnkey Retirement" newsletter at turnkeyretirement.com for insights into the self-directed retirement game.

Reach out on LinkedIn: https://www.linkedin.com/in/parker-pursell/

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Episode 189: Brittany Brewer Apr 03, 2024

How can FreeUp revolutionize your business model with its unique freelancer hiring platform? Discover the power of FreeUp, a dynamic platform that connects businesses with a global network of freelancers. FreeUp offers a broad range of services, from marketing and bookkeeping to VA admin tasks, and provides a seamless solution for businesses looking to scale efficiently. With 24/7 support and a commitment to quality, it stands out as a top choice for flexible talent acquisition.

🌟 Key Takeaways:

Free Up bridges the gap between businesses and top-tier freelancers, ensuring a perfect match for every project.

📈 The platform’s global reach offers access to diverse talent, empowering businesses to scale without geographic limitations.

🛠️ With a strong emphasis on project management and clear communication, Free Up ensures that projects run smoothly, enhancing client satisfaction and success.

🌍 Leveraging a global talent pool, FreeUp provides cost-effective solutions, allowing businesses to hire skilled professionals at competitive rates.

The growth of remote work and outsourcing has allowed businesses to tap into the global talent pool. Platforms like FreeUp provide cost-effective solutions starting at $5 an hour. This gives businesses the flexibility to hire professionals for specific tasks, free from the constraints of traditional employment.

Connect with Brittany on LinkedIn: https://www.linkedin.com/in/brittany-brewer-256a89229/

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Episode 188: Stephen Daigle Mar 27, 2024

How do you unlock the potential of your future? Discover how Stephen Daigle, CEO of Bidmoni, is revolutionizing retirement planning for business owners, turning the complexities of savings and tax benefits into simplified, actionable strategies. Dive into a world where technology meets financial planning, ensuring every business owner can 'sell the dream' of a secure retirement for themselves and their employees."

This enlightening episode explores the innovative intersection of technology and retirement planning with Stephen Daigle of Bidmoni. Stephen sheds light on the often-overlooked intricacies of retirement planning for business owners, emphasizing the power of digital solutions to demystify the process. From leveraging fiduciary shields for enhanced compliance to maximizing the benefits of Secure 2.0 legislation, Stephen's insights offer a beacon for business owners navigating the retirement planning landscape.

Key Takeaways:

🚀 Embracing Technology for Simplification: Technology is a game-changer, making retirement planning more accessible and less intimidating for business owners.

🛡️ The Power of Fiduciary Shields: Ensuring compliance and transparency, fiduciary shields are essential for protecting business owners and their employees.

💰 Leveraging Secure 2.0 for Tax Advantages: Discover how Secure 2.0 legislation can provide substantial tax credits, making retirement benefits more attainable for small businesses.

🌱 Strategic Cash Management: Effective cash management is pivotal for daily operations and a cornerstone of a robust retirement strategy.

Inspirational Quote:

"Embrace the complexities of retirement planning, including tax implications, to unlock unprecedented value for business owners." - Stephen Daigle.

Connect with Stephen Daigle:

Website https://fiduciaryshield.bidmoni.com/

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Episode 187: Jon Statham Mar 20, 2024

How does music influence brand identity and customer perception?

In this episode, Jon Statham, CEO of State of Harmony Music, discusses the integral role of music in branding and customer engagement. Jon's journey in music, from performing in various venues to crafting jingles and sonic branding for businesses, highlights the emotional power and strategic importance of music in marketing. He explains how tailored music enhances brand identity, evokes emotions, and connects with audiences on a deeper level.

🔑 Key Takeaways:

🎶 Music is an often overlooked yet vital part of our lives and businesses, deeply influencing customer perceptions.

🎼 Custom music and sonic branding provide a unique identity for brands, setting them apart from competitors.

🧠 Understanding the target audience's emotional responses to music can significantly enhance marketing strategies.

📈 The investment in custom music can yield substantial ROI, especially as digital and smart speaker usage grows.

🚀 Authenticity in musical choices reflects and reinforces a brand's core values and message.

🤝 Connect with Jon:

📞 Call Jon at 310-882-1967

📧 Email Jon at musicproduction@jonstatham.com

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Episode 186: Clay Risher Mar 13, 2024

How does shifting your focus from earning to learning transform your career and personal growth? Join us as Clay Risher, Director – Business Development with TrueNorth Capital Partners LLC. Clay’s primary role is originating new business for TrueNorth’s Merger & Acquisition, Capital Raising, and Valuation service offerings. Clay shares his captivating journey from selling OEM relationships globally to embracing a life of continuous learning and self-discovery.

In this episode, Clay Risher takes us through his diverse professional journey, from his early days at Exite Electronics to his strategic pivot during the COVID-19 pandemic that led to a successful venture in golf carts. Clay discusses the transformative power of tech-enabled services, the importance of ethical considerations in AI and automation, and the pivotal role of continuous learning and adaptability in today's business world.

5 Key Takeaways:

➡️Lifelong learning is essential for navigating the complexities of the modern business landscape.

➡️Creativity and adaptability are crucial to seizing opportunities in times of uncertainty.

➡️The rise of tech-enabled services is revolutionizing traditional industries, offering new avenues for growth and efficiency.

➡️Implementing AI and automation requires careful oversight to avoid ethical pitfalls and ensure beneficial outcomes.

➡️Shifting from prioritizing earning to focusing on learning can lead to profound personal growth and new professional paths.

Quotes from Clay:

"If at the end of the day it's contingent on human presence, it's a zero-sum game."

"I think when I switched from what I'm going to earn today to what I'm going to learn today, the world just completely opened up."

How to Reach the Guest:

Website: True North Capital Partners

Email: crisher@truenorthcp.com

Office Phone: 203-817-0286

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Episode 185: Scott Reib Mar 06, 2024

🎙️ Ever wondered how to bulletproof your business legally? In this episode of Grow Your Business & Grow Your Wealth with host Gary Heldt, we dive deep with guest Scott Reib, a seasoned legal professional. Scott shares his journey from a young legal enthusiast to becoming an advocate for having a business lawyer, akin to maintaining one's health with a trainer. He emphasizes the importance of building a shatterproof business foundation with the right advisors and legal documentation to prevent disputes, protect intellectual property, and ensure law compliance.

This episode is a treasure trove of insights for entrepreneurs seeking to navigate the complexities of legal requirements and protect their ventures.

Key Takeaways Include:

🔑 Customize operating agreements to meet the unique needs of your business, ensuring all partners are on the same page and reducing the risk of disputes.

📈 Engage in regular communication with a lawyer to stay ahead of legal issues and adapt to changes in laws that may impact your business.

📜 Conduct annual reviews of your base offering documents to ensure they continue to support your business's growth and protect against legal vulnerabilities.

⚖️ Avoid the pitfalls of using generic legal documents which may not fully cover the specific needs or protect your business adequately.

🛡️ Embrace proactive legal planning as a tool for risk mitigation, safeguarding your business against potential legal challenges down the road.

For those looking to connect with Scott Reib and learn more about safeguarding their business, he's accessible via social media and offers a direct line for inquiries and consultations.

Website: https://www.reiblaw.com/

Linkedin: https://www.linkedin.com/in/thescottreib/

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Episode 184: Richard Wagner Feb 28, 2024

How can small businesses leverage government contracting to scale and succeed?

In this enlightening episode of "Grow Your Business & Grow Your Wealth with Gary Heldt," guest Richard Wagner, CEO of RWCO, brings over 25 years of expertise, discussing the intricacies of government contracts for small businesses. Wagner sheds light on the essential steps for eligibility, the importance of a genuine self-assessment, and strategies for building credibility in this competitive space. The conversation navigates the significance of staying updated with evolving regulations, mastering procurement rules, and optimizing proposal reviews to enhance success rates.

Key Takeaways:

➡️ Register on essential platforms like Samsam Gov and prioritize your business's core competencies.

➡️ Leverage your professional background to build credibility and navigate the procurement landscape effectively.

➡️ Emphasize strategic time management and meticulous proposal reviews to improve the quality of submissions and increase the likelihood of winning contracts.

➡️ Understand the dynamic nature of government contracting rules and the necessity for continuous adaptation and learning.

Join us on "Grow Your Business & Grow Your Wealth with Gary Heldt" for a deep dive with Richard Wagner into the world of government contracting, packed with actionable advice for small businesses aiming for growth and sustainability in this competitive arena. Connect with Richard on his website: https://richardwagnerco.com/

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Episode 183: Krystyn Webb Feb 21, 2024

🎣 Are you protecting your intellectual property?

Learn how to safeguard your ideas and innovations with expert advice from Kristyn Webb, an intellectual property law specialist.

📝 In this episode, Gary Heldt interviews Kristyn Webb, a Fishman Stewart law firm associate. Kristyn shares her journey into intellectual property law and discusses the importance of protecting intellectual property in the age of AI. She highlights the challenges and opportunities in patent and copyright protection for AI-generated content. Kristyn also emphasizes the need for businesses to conduct IP audits and offers insights on leveraging intellectual property assets to generate revenue and stay ahead of competitors.

🔑 Key Takeaways:

1️⃣ Intellectual property law encompasses various industries and individuals, from inventors and artists to musicians and creators of AI-generated content.

2️⃣ AI technology poses challenges in patent protection, as AI machines like Chat GPT may raise the bar for patentability by questioning the obviousness of inventions.

3️⃣ Copyright protection for software, including AI-generated code, involves multiple layers of intellectual property rights, such as patents, copyrights, trademarks, and trade dress.

4️⃣ Countries have varying approaches to intellectual property protection, creating a global landscape where businesses must navigate conflicting regulations and market opportunities.

5️⃣ Conducting an IP audit is crucial for businesses to identify and protect their intellectual property assets, attract buyers and investors, and increase enterprise value.

📞 How to Reach Kristyn Webb:

To learn more about intellectual property protection and discuss your business's IP strategy, contact Kristyn Webb at Fishman Stewart Law Firm. Visit their website at www.fishstewip.com. You can also subscribe to their weekly newsletter, "IP Out in the Wild," for educational content with a pop culture spin. 🌐📧

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Episode 182: Wayne Zell Feb 14, 2024

How can entrepreneurs ensure a smooth and profitable exit from their business? Host Gary Heldt sits down with guest Wayne Zell, a seasoned lawyer and CPA who shares invaluable estate and business planning insights. He highlights the critical nature of early exit planning.

Wayne Zell brings over four decades of experience in tax accounting and law, focusing on estate and business planning. He stresses the importance of entrepreneurs having a comprehensive exit plan, advising on working "on" the business, not just "in" it, and the significance of assembling a professional guidance team. Zell discusses various exit strategies, including selling to a third party or transitioning management, to maximize business value for the owner's family.

Key Takeaways:

📘 Proactive exit planning is crucial for maximizing business value.

🤝 Building a team of professionals (CPAs, lawyers, valuation experts) is essential for guiding the exit strategy.

💡 Even small businesses can have significant transferable value for the owner's family.

🔄 Consider selling the business and staying involved to ensure a successful transition.

📈 Addressing value gaps early can substantially increase the business's selling price.

Reaching Wayne Zell:

For personalized advice on business exit strategies and estate planning, Wayne Zell can be contacted through his law firm's website at ZellLaw.com, his podcast "Blueprint for Wealth," or for exit planning services at AspireToExit.com. His book, "Your Multi-Million Dollar Exit," provides deeper insights into planning for a successful business transition.

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Episode 181: David Marra Feb 07, 2024

🌟 Are you ready to transform your investment strategies with technology? 🚀

David Marra discusses the impact of technology on investment management. He emphasizes using AI and machine learning to enhance financial strategies and the importance of risk management in investment, especially for retirement planning. Marra highlights how technology aids in building diversified portfolios for stable retirement income and explores the broader role of AI in business productivity and the global economy.

🤖 AI & Machine Learning: Revolutionizing investment strategies.

⚖️ Risk Management: Essential for retirement portfolios.

💹 Diversified Portfolios: Using technology for stable retirement income.

🏢 AI in Business: Boosting productivity and earnings.

🌍 Future of AI: Shaping the global economy and investment opportunities.

Connect with David:

CONNECT WITH DAVID

David.Marra@MarkinFunds.com

Website: MarkinFunds.com

(914) 269-0012 text

Linkedin: in/david-marra

Podcast: podcast markinfunds.com/podcastrss markinfunds.com/insights-blog

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Episode 180: Sheila Slick Jan 31, 2024

What does it take to thrive in the ever-evolving world of manufacturing and technology? Discover the power of adaptability and continuous learning in entrepreneurship.

Join Gary Heldt as he explores the dynamic entrepreneurial journey of Sheila Slick, a fourth-generation entrepreneur with a diverse background in manufacturing and technology. From her beginnings in a family business in Miami to her adventures in Nicaragua and the tech world, Sheila shares invaluable insights into adaptability, seizing opportunities, and the importance of continuous learning in business success.

Key Takeaways:

💼 Seizing Opportunities: Sheila's journey underlines the importance of adaptability and recognizing opportunities in entrepreneurship.

🚀 Tech and Education: Sheila discusses her transition into tech, highlighting the potential of educational mobile apps and her involvement in a NASA hackathon.

🌱 Continuous Learning: Emphasis on the necessity of continuous learning and adaptability in the face of constant change.

📈 Business Growth Strategies: Insights into effective leadership, documenting goals, and the importance of measurement and documentation for growth.

How to Reach Sheila Slick:

Website: Sheilaslick.com

LinkedIn: https://www.linkedin.com/in/sheilaslick/

Additional website: FiveMilestones.com

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Episode 179: Robbie Baxter Jan 24, 2024

👜 Discover how subscription models can revolutionize customer loyalty and business growth. Gary Heldt, host of Grow Your Business & Grow Your Wealth, speaks with guest Robbie Baxter, a leading expert in subscription models with over 20 years of experience, including work with Netflix. Known for her deep understanding of membership and subscription models, authoring several books on the topic.

Key Takeaways:

👜 Subscription models benefit various industries, fostering long-term customer relationships.

👜 Baxter highlights viewing customers as members, integrating subscriptions into business culture.

👜 Discusses challenges in transitioning to subscription models and designing effective subscriptions.

👜 Robbie shares insights on learning from failed launches and the importance of a member-focused approach for sustainable business growth.

Subscription models benefit various industries, fostering long-term customer relationships. Baxter highlights viewing customers as members, integrating subscriptions into business culture, challenges in transitioning to subscription models, designing effective subscriptions, learning from failed launches, and the importance of a member-focused approach.

Connect with Robbie:

Author Website: https://robbiekellmanbaxter.com/media-events/

Podcast: robbiekellmanbaxter.com/podcast

Connext with Robbie on LinkedIn https://www.linkedin.com/in/robbiekellmanbaxter/

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Episode 178: Sebestien Boyer Jan 17, 2024

Why is understanding business credit essential for entrepreneurs?

Sebastien Boyer, the Director of Financing at OrangeFi and the Head Coach at Business Credit 101 leverages his finance and credit management expertise to guide entrepreneurs. His insight into the importance of business credit led to the establishing of Business Credit 101.

Business Credit 101, founded by Sebastien Boyer, aims to enlighten entrepreneurs on the critical role of business credit, often overlooked in their financial planning.

🔍 Key Takeaways:

🏢 Importance of Business Credit

📚 Educational Gap

🛠️ Role of Business Credit 101

💼 Business Sustainability

🌐 Networking Opportunities

📬 Contact Sebastien Boyer:

Linkedin: https://www.linkedin.com/in/theapprovedguy/

Websites:

theapprovedguy.com (Company)

businesscredit101.com (Company)

orangefi.com (Company)

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Episode 177: Scott Jarred Jan 10, 2024

🟢 How can individuals achieve financial freedom?

In this podcast episode, host Gary interviews Scott Jarred, the founder and CEO of Invest. Scott shares his journey from being raised by a single mother to becoming a successful entrepreneur. He discusses the mission of Invest, which is to help individuals achieve financial freedom. Scott also talks about his books "Future Hack" and the upcoming "Accelerate," which provide strategies for overcoming challenges and achieving financial success.

Key Takeaways:

✅ Having a clear purpose is essential for achieving financial freedom.

✅ Thinking abundantly and adopting a growth mindset can lead to more tremendous financial success.

✅ Utilizing a financial model can help individuals make informed decisions and reach their financial goals.

✅ Scott's books, "Future Hack" and the upcoming "Accelerate", offer strategies and insights for overcoming challenges and achieving financial success.

✅ Invest provides services such as the Accelerate Advantage kit to support individuals on their journey towards financial freedom.

How to reach Scott Jarred:

Personal Website and to order books: https://scottjarred.com/

Website: www.invst.com

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Episode 176: Kristen Ragusin Jan 03, 2024

Are you ready to dive into the world of investments and financial empowerment? Join host Gary Heldt as he explores the fascinating journey of Kristen Ragusin, Senior Vice President of Investments at Raymond James. In this captivating episode, we uncover the keys to financial success and understanding the complexities of the monetary system.

Kristen's journey into the investment industry began at a young age, learning from her father about market concepts. Her passion for empowering individuals with financial knowledge and helping them build strong financial futures is evident throughout the conversation.

Key Takeaways:

➡️ Importance of Financial Education: Kristen emphasizes the significance of financial education and empowerment. She believes that everyone should take the time to understand the intricacies of the investment industry to make informed financial decisions.

➡️ Choosing the Right Advisor: Kristen highlights the role of intuition in selecting the right financial advisor. Building a strong and trusting relationship with an advisor is essential for achieving financial goals.

➡️ The Flaws in the Monetary System: Kristen's book, inspired by the 2008 financial crisis, sheds light on the flaws in the current monetary system. She advocates for a return to a system where money represents the value produced collectively, offering a solution to create a more prosperous society.

➡️ FDIC Insurance: Kristen stresses the importance of FDIC insurance for financial security, encouraging individuals to stay within FDIC limits and explore insured money market products.

➡️ Challenges in the Current Monetary System: Kristen discusses how the current monetary system's reliance on debt creation poses challenges, especially for small businesses. Understanding and addressing these flaws is essential for supporting business owners.

How to Reach Kristen Ragusin:

Kristen can be reached through Raymond James, where she serves as Senior Vice President of Investments.

Connect with Kristen on LinkedIn for more insights and updates. https://www.linkedin.com/in/kristen-ragusin-1115825/

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Episode 175: Stephen Speer Dec 27, 2023

Are you ready to unlock the secrets of successful business acquisitions in the e-commerce era? Tune in as we explore innovative financing strategies with industry expert Stephen Speer!

📝 Episode Summary:

In this enlightening episode, Gary Heldt is joined by guest Stephen Speer, a finance veteran and eCommerce Lending CEO specializing in business acquisition financing. Speer shares his insights on the complexities of the acquisition process, the shortcomings of traditional banking, and the wealth creation potential in e-commerce. With over 30 years of experience, Speer's approach at eCommerce Lending involves a personalized, client-centric strategy aiming to revolutionize how entrepreneurs finance their business ventures.

🔑 Key Takeaways:

🤝 Personalized Client Relationships: Speer emphasizes the need for a tailored approach in business acquisition financing.

💼🧩 Understanding Business Acquisition Complexity: It's more intricate than buying a house, requiring specialized guidance.

💵 Cash Reserves Post-Acquisition: Vital for business growth and sustainability in the e-commerce space.

🌐 E-commerce Opportunities: A significant growth area, especially for baby boomers transitioning from traditional businesses.

💰 Wealth Creation through Acquisitions: Viewing acquisitions as a pathway to substantial financial gains.

📞 Contact Stephen Speer:

CONNECT WITH STEPHEN

Email: Stephen@eCommerceLending.com

eCommerceLending.com

Linkedin: https://www.linkedin.com/in/stephenspeer/

Connect with Gary Heldt on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

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Episode 174: Amy Gowan Dec 20, 2023

What does it take to drive economic growth and support businesses in a dynamic county like Anne Arundel?

Welcome to the Grow Your Business & Grow Your Wealth podcast with your host, Gary Heldt. In this enlightening episode, guest Amy Gowan, the dynamic President and CEO of Anne Arundel Economic Development Corporation. Amy shares her insights on the corporation's vital role in fostering economic development and supporting the business community in Anne Arundel County.

Amy Gowan leads the Anne Arundel Economic Development Corporation, focusing on various critical business services, including financing, site selection, research, permitting, workforce development, and more. She discusses the organization's innovative future initiatives, like offering business accelerator programs in Spanish and developing a strategic plan for county-wide economic development. Emphasizing the need for redevelopment in older commercial areas, Amy also highlights the organization's role in addressing housing affordability and creating vibrant mixed-use spaces.

Key Takeaways:

✅ Comprehensive business support services provided by Arundel Economic Development Corp.

✅ Expansion plans, including bilingual business accelerator programs and a strategic county economic plan.

✅ Emphasis on redevelopment and revitalization of older commercial areas for economic vibrancy.

✅ Amy Gowan's focus on improving communication between economic development entities and the business community.

✅ Challenges faced and strategic approaches to overcome them, including housing affordability and complex permitting.

Visit the website at: www.aaedc.org

Connect with Gary on LinkedIn:

https://www.linkedin.com/in/gary-d-heldt-jr/

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Episode 173: Joseph Carey Dec 13, 2023

"How can challenging conventional financial wisdom transform your wealth management strategy?" In this episode, the guest is Joseph Carey, a visionary in the world of finance who brings a fresh perspective to wealth management and financial education. His approach, developed through his rich experiences and challenges in the financial sector, is focused on empowering individuals through knowledge and alternative strategies.

Key Takeaways:

🔑✅ Revolutionizing Wealth Management: Carey advocates for innovative investment strategies over traditional 401(k)s methods.

🔑✅ Importance of Financial Literacy: Emphasizing the need for comprehensive understanding before making investment decisions.

🔑✅ Career Shaped by Real-World Experiences: From Northeastern University to a pivotal investment firm internship, Carey's journey underlines the value of practical experience in finance.

🔑✅ Focus on Community Financial Needs: Special emphasis on providing financial education and planning for the black community.

🔑✅ Legacy Building Through Finance: Driven by personal experiences, Carey stresses the importance of creating a financial legacy with informed investing and insurance choices.

Summary:

In this episode, Joseph Carey shares his unique insights on wealth management, challenging the norms with strategies prioritizing tax efficiency and informed decision-making. His approach, deeply influenced by personal and professional experiences, aims to educate and empower, mainly focusing on the needs of the black community.

Tune in to discover how Carey's methods can revolutionize your financial planning and legacy building.

Connect with Joseph on LinkedIn: https://www.linkedin.com/in/joseph-m-carey-61879791/

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Episode 170: Thanksgiving Message For All Business Owners Dec 12, 2023

Gary Heldt, the host of the ‘Grow Your Business & Grow Your Wealth’ podcast, has a special message for all his listeners. 🎙️🎧

As the holiday season approaches, Gary wants to take a moment to reflect on the past year and extend his heartfelt thanks to everyone who has been a part of this journey. 🙏

The podcast has hosted various guests this past year, sharing their insights and experiences. 🎙️👥 Each episode has been a journey of learning and growth. 🌱

Gary thanks the dedicated listeners, especially the small business owners, for tuning in. 🙌

The holiday season is a wonderful reflection, celebration, and relaxation time. 🎉🎊 As business owners, it’s vital to recharge our batteries. 🔋 This holiday season, Gary encourages everyone to step back, spend quality time with loved ones, and enjoy those moments of peace and joy. 🎁🎄

Watch the video to hear Gary’s message in full! 📹

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Episode 170: Thanksgiving Message For All Business Owners Dec 12, 2023

Gary Heldt, the host of the ‘Grow Your Business & Grow Your Wealth’ podcast, has a special message for all his listeners. 🎙️🎧

As the holiday season approaches, Gary wants to take a moment to reflect on the past year and extend his heartfelt thanks to everyone who has been a part of this journey. 🙏

The podcast has hosted various guests this past year, sharing their insights and experiences. 🎙️👥 Each episode has been a journey of learning and growth. 🌱

Gary thanks the dedicated listeners, especially the small business owners, for tuning in. 🙌

Watch the video to hear Gary’s message in full! 📹

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Episode 172: Bob Lloyd Dec 06, 2023

Have you ever wondered how businesses effectively manage risks to safeguard their success?

In this episode of "Grow Your Business & Grow Your Wealth," host Gary Heldt and guest Bob Lloyd, a seasoned attorney and insurance agent, delve into the crucial world of comprehensive risk management in business. Bob emphasizes the importance of identifying, assessing, and managing risks intelligently, going beyond insurance to make informed decisions that can protect a business's future.

Key Takeaways:

✅ Comprehensive Risk Management:

Comprehensive risk management is essential for businesses, involving identifying, assessing, and strategically handling potential risks.

✅ Value Beyond Insurance:

Effective risk management is more than just insurance; it's about evaluating which risks to retain and mitigate.

✅ Pandemic Exposure Coverage:

The importance of understanding coverage, including pandemic exposure coverage, and not solely focusing on insurance costs.

"Understanding the coverage you are procuring and the potential risks you are mitigating is key." - Bob Lloyd

✅ Cyber Liability Coverage:

Cyber liability coverage is vital in today's digital age, protecting against cybercrimes and ensuring operational continuity.

"Prioritizing cyber liability coverage is an investment in protecting assets and preventing substantial financial losses." - Bob Lloyd

✅ Building a Trusted Team of Advisors:

Building a team of trusted advisors, including insurance agents and lawyers, is crucial for navigating complex policies and making informed risk management decisions.

Conclusion:

Comprehensive risk management involves making well-informed decisions to protect a business's assets and future.

Building relationships with trusted advisors is key to effective risk management.

How to Reach Bob:

Connect with Bob Lloyd on LinkedIn: https://www.linkedin.com/in/bob-lloyd/

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Episode 171: Christopher Barber [Replay] Nov 28, 2023

How can small businesses revolutionize their IT support and cybersecurity?

Episode 170 Replay of the Grow Your Business and Grow Your Wealth podcast, featuring host Gary Heldt, delves into this question with guest Christopher Barber. As the founder, CEO, and Chief Nerd at Cheaper Than A Geek®, Christopher Barber brings an innovative approach to IT services, catering to small businesses, particularly those with 1-10 employees.

Cheaper Than A Geek® stands out for its exceptional customer service, earning more awards in this area than any other IT provider in the DC, MD, and VA region. Barber is not just an industry disrupter but also an active community member, serving on numerous boards and committees.

Key insights from this week’s episode include:

✅ Understanding the Cloud-Based End User License Agreement: Barber explains why companies aren't responsible for your data.

✅ The Importance of a Reliable Backup System.

✅ Identifying and Protecting Against the Leading Cyber Attack.

✅ Recognizing Fake Accounts and Phishing Emails: Tips for Vigilance.

✅ The Necessity of Cybersecurity Training Programs.

✅ Protecting Your WIFI: Why You Shouldn’t Hastily Share Your Password.

Discover more about Christopher Barber and Cheaper Than A Geek® through their podcast episodes, website, and social media platforms:

Podcast: Grow Your Business and Grow Your Wealth
Website: Cheaper Than A Geek
Twitter: @cheapertag
Facebook: Cheaper Than A Geek
YouTube: Cheaper Than A Geek Channel
LinkedIn: Cheaper Than A Geek

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 169: Jamaal Stafford Nov 15, 2023

Jay leverages his experience from nearly a decade of working in complex litigation at two major law firms on behalf of individuals with professional licensing or employment law matters. He has built a successful niche in professional licensing defense, helping licensed professionals in Maryland and Washington, D.C., protect their professional licenses and careers.

Jay relishes counseling, strategizing with, and representing doctors, dentists, nurses, physical therapists, optometrists, real estate agents, social workers, and other licensed Maryland and Washington, D.C. professionals who are forced to assert their rights or defend their reputations against accusations from their professional licensing boards.

Here are some of the beneficial topics covered on this week’s show:

Documentation of performance management issues.

Regarding employment law, why it's better to pay a professional upfront?

An outside HR professional can be cost-effective for the small business owner.

Why employer relationships can change the minute an employee gets an attorney involved

The importance of an employee handbook

The real rule of hours.

Understand what EPLI Insurance is.

Connect with Attorney Jaamal Stafford

Website: https://www.staffordtrialteam.com/attorney-profile/

Baltimore

20 S Charles St. Suite 901 Baltimore, MD 21201

Phone: 410-514-6099

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 168: Casey Mauldin Nov 08, 2023

📢 How do your financial partners influence your journey toward prosperity? Uncover the strategic edge credit unions provide as Casey Mauldin from Jovia Financial Credit Union joins host Gary Heldt on the Grow Your Business & Grow Your Wealth podcast.

Guest Bio: Casey Mauldin is the Chief Revenue Officer and Chief Lending Officer at Jovia Financial Credit Union. With over a quarter-century of industry experience, Casey's expertise lies in enhancing the financial growth of individuals and businesses through tailored banking solutions.

In this episode, we're diving deep with Casey Mauldin of Jovia Financial Credit Union into how the nuanced differences between credit unions and banks can significantly affect your financial growth and stability. Casey shares a wealth of knowledge on the importance of agile banking relationships, especially for small businesses, and provides invaluable financial advice and strategies for choosing the right banking institution.

Key Takeaways:

✅ Personal Connection to Banking: Casey offers a unique perspective on the banking industry's support for growth, shaped by his family's experience with community banks and credit unions.

✅ Credit Unions vs. Banks: Discover the fundamental differences and benefits of credit unions over traditional banks, highlighting member-focused services.

✅ Agile Banking Relationships: Learn the critical nature of having a responsive and advisory banking relationship that supports the agility needed in today’s business landscape.

✅ Strategic Financial Practices: Gain insights into the essential financial practices necessary for businesses to thrive, such as maintaining a robust credit score and the importance of precise financial reporting.

✅ Choosing the Right Financial Institution: Casey provides actionable advice on selecting a financial institution that aligns with your business goals and growth trajectory.

"Without a doubt, the client and member impact is being able to go out and serve the needs. And you don't get that immediate gratification because you normally don't see it... But when you don't get a lot of complaints, you're doing something right, and you can truly see it, especially on the small and mid-business side of it, where they start to flourish." - Casey Mauldin

Connect with Casey on LinkedIn Portfolio: https://www.linkedin.com/in/casey-m-7a62104/

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Episode 167: Steve Selengut Nov 01, 2023

🎙️ Looking for ways to build your retirement portfolio? Today's guest on Grow Your Business & Grow Your Wealth guest is Steve Selengut who has all the answers! Discover his step-by-step guide in "Retirement Money Secrets," where he discusses diversification, market volatility management, and selecting suitable securities.

Steve Selengut is the founder of the Retirement Income Coach and has extensive experience in managing private investment portfolios. He started his career trading his personal account, before starting an investment management business. Steve is passionate about helping individuals achieve retirement goals and believes in minimizing risk through quality investments, diversification, income protection, and profit-taking.

Key takeaways from this episode with Steve Selengut include:

✅ Understanding the importance of income independence and how it can contribute to a secure retirement.

✅ Recognizing the significance of market cycles and how they can impact investment strategies.

✅ Exploring the benefits of an income-focused portfolio and the concept of realized income.

✅ Identifying quality securities and understanding the advantages of investing in closed-end funds, particularly for income purpose securities and dividend stocks.

Connect with Steve

Book Website: retirementmoneysecrets.com

Income Coach Website: theincomecoach.net

Facebook Group: The Retirement Income Independence Coach

Linked In Link: Income Coaching & Portfolio Review https://www.linkedin.com/in/privateinvestmentmanagement/

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Episode 166: Greg Mohr Oct 25, 2023

🤔 Ever wondered how to transition from a regular job to being a successful franchise business owner?

🎙️ In this episode of "Grow Your Business & Grow Your Wealth," host Gary Heldt interviews Greg Mohr, the founder of Franchise Maven. From starting at Taco Bell to becoming a leading expert in the franchise world, Greg’s journey is truly inspiring.

Greg shares his inspiring journey from working at Taco Bell to becoming a successful franchise consultant. He provides valuable insights into matching individuals with suitable franchises, emphasizing the importance of financial readiness and a deep understanding of the business.

Key takeaways:

✅ Ensure financial readiness before diving into franchising.

✅ Deeply understand the franchise's business model and industry trends.

✅ Be cautious of typical franchising pitfalls.

✅ Engage with franchise experts and current franchisees for guidance.

✅ Be aware of and prepare for ongoing financial obligations in franchising.

📬 To reach Greg Mohr and delve deeper into the world of franchising, visit www.franchisemaven.com or email him at greg@franchisemaven.com.

🔊 Tune in to uncover invaluable insights into franchising and learn strategies to grow both your business and wealth through strategic franchise investments.

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Episode 165: Jessica Weaver Oct 18, 2023

How can women be more proactive and informed about their finances, especially during life-changing events like divorce? On episode 165 of Grow Your Business & Grow Your Wealth, host Gary Heldt speaks with guest Jessica Weaver, the founder of the Women's Wealth Boutique, who delves deep into this topic, emphasizing the significant emotional toll financial challenges can take. She stresses the importance of women seeking assistance from therapists, divorce coaches, and financial experts.

Key Takeaways:

✅ Women must be proactive and informed about their finances, especially during challenging times like divorce.

✅ There's a significant emotional component to finances, and working with therapists or divorce coaches in tandem with financial experts is beneficial.

✅ Both partners in a relationship should be involved and informed about financial matters to prevent surprises and misunderstandings.

✅ Jessica's podcast, "Woman Behind the Millions," offers insights into the journey of women aiming for the millionaire status.

✅ Understanding and optimizing finances requires a holistic approach that blends emotional well-being with practical knowledge.

Contact Jessica: For more information and advice, or to contact Jessica Weaver, visit https://jessicaweaver.com/ and www.womenswealthboutique.com and get social with Jess on IG | FaceBook | Twitter | Linkedin | YouTube

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Episode 164: Maureen Edwards Oct 11, 2023

🤖 Are robots taking over businesses, or are they enhancing them? Dive into the AI world with Maureen Edwards, the founder of 8 Simple Steps, to explore the role of Chat GPT (Generative Pre-trained Transformer) in today's business landscape. They discuss how Chat GPT differs from other AI technologies, its potential benefits, and potential business pitfalls. Moreover, they highlight strategic ways businesses can utilize Chat GPT to enhance customer experiences, streamline operations, and expand their customer base.

Despite the rise of AI, the importance of maintaining authenticity and emotional connections in business interactions is emphasized throughout the conversation.

Key Takeaways:

1️⃣ Chat GPT as a Strategic Tool: Chat GPT is a valuable asset for businesses to streamline operations, boost customer service, and reach a more extensive audience with multilingual support.

2️⃣ Not a Replacement for Human Oversight: While AI can handle many tasks, clear guidance and human oversight are crucial to ensure accuracy, authenticity, and customization.

3️⃣ Enhancing Customer Experience: Chat GPT can significantly elevate the customer experience by providing efficient responses and problem-solving in customer interactions, reducing the need for extensive call centers.

4️⃣ ROI Evaluation: The return on investment in Chat GPT can be measured through increased efficiency, cost savings, and enhanced customer satisfaction. Selecting the right AI platform tailored to your business needs is vital.

5️⃣ Language Support: Chat GPT's multilingual capabilities empower businesses to connect with a more diverse audience and break language barriers.

6️⃣ Avoid Overreliance: While AI is a potent tool, excessive reliance on it may diminish authenticity and emotional connections with customers. Use AI as an enhancement, not a replacement, for human interaction.

7️⃣ Leveraging AI in Marketing: Businesses can harness Chat GPT for marketing by refining messaging and targeting, resulting in more efficient marketing efforts.

Connect with Maureen on her website: https://8simplesteps.net/

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Episode 163: Maria Olsen Oct 04, 2023

Are you a business owner looking to protect your interests and grow wealth? In this episode of the "Grow Your Business & Grow Your Wealth" podcast, host Gary Heldt engages in a captivating conversation with special guest Maria Leonard Olson, a commercial litigation attorney. Maria offers invaluable insights into the world of written contracts and commercial litigation.

✅ Protect Your Business: Maria emphasizes the importance of written agreements for safeguarding your business interests. She cautions against relying solely on oral contracts, which can lead to costly litigation.

✅ Arbitration's Advantages: Maria explains the benefits of arbitration as an alternative to traditional litigation, including faster resolution and reduced costs. Consider incorporating arbitration clauses in your contracts for smoother dispute resolution.

✅ Legal Counsel Matters: Maria highlights the significance of seeking legal advice when dealing with contracts, even those recommended by state agencies. Ensure your business's interests are protected, and thoroughly understand contract terms and implications.

✅ Maria's Expertise: Beyond her role as a commercial litigation attorney, Maria shares insights into her books, podcast, and mentoring endeavors. Her passion for helping others navigate the legal landscape shines through in her experiences and guidance to aspiring entrepreneurs.

Reach out to Maria on her website: https://www.marialeonardolsen.com/

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Episode 162: Vimari Roman Sep 27, 2023

Have you ever felt like your inner saboteurs are holding you back from achieving your full potential in your career and personal life? Today's guest on Grow Your Business & Grow Your Wealth with host Gary Heldt is Vimari Roman, to show you how to conquer those inner obstacles and unlock a path to growing your business and wealth like never before. Stay tuned for a transformative conversation that could change how you approach success. 🚀

In this episode, Gary Heldt sits down with Vimari Roman, the founder of Be Productive Coaching. Vimari is a certified Positive Intelligence coach who specializes in helping mid to senior-level professionals transition to the next step in their careers with purpose. She also provides insights on personal branding, leadership coaching, and mental fitness to help individuals achieve their goals. 🌟

Key Takeaways:

🧠 Learn about Vimari Roman's journey into Positive Intelligence coaching and how it can help you overcome your inner saboteurs.

🧠 Discover the concept of "Positive Intelligence" and how it relates to emotional intelligence.

🧠 Understand the importance of quieting your saboteurs to enhance personal and professional growth.

🧠 Find out how Vimari helps professionals in various industries transition to the next stage of their careers.

🧠 Gain insights into achieving work-life integration rather than striving for an elusive work-life balance.

How to Get in Touch with Vimari Roman:

Connect with Vimari on LinkedIn: Vimari Roman on LinkedIn

Visit her website for more information and to schedule a free consultation: Be Productive Coaching

Stay tuned for an engaging conversation that could lead you to unlock your full potential in both your career and personal life. Let's dive into the world of Positive Intelligence with Vimari Roman on "Grow Your Business & Grow Your Wealth." 🎧✨

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Epsiode 161: Jeff Hockett Sep 20, 2023

Ever wondered about the most common tax mistakes real estate professionals make? Or how having a home office could benefit your tax returns?" Dive into the latest episode of "Grow Your Business & Grow Your Wealth" with host Gary Heldt, and uncover these mysteries with guest Jeff Hockett, owner of Hockett Tax and Payroll Services.

Jeff's rise from doing taxes for friends to establishing a flourishing property management company is remarkable.

Key takeaways from show:

➡️ Tax Blunders in Real Estate: Jeff opened up about the pitfalls of real estate agents venturing into tax territories solo and the consequences of botching vehicle expenses. The takeaway? Trust professionals!

➡️ Stay Updated: The world of tax is ever-evolving. Jeff highlighted the critical aspect of being up-to-date with filing deadlines, the nuances of payroll requirements for S corporations, and dispelling myths about establishing LLCs for rentals.

➡️ The Home Office Advantage: Think having a home office spells audit trouble? Jeff demystifies this, shedding light on the tax merits real estate agents can reap.

➡️ Selecting Your Tax Maven: As per Jeff, much like picking your lender or title representative in real estate, zeroing in on a tax expert attuned to your industry's needs is paramount.

➡️ The Business of Being Professional: Keeping meticulous records is not just for audit season. Jeff pressed on the significance of maintaining detailed financial books for a holistic understanding of your business's monetary health.

Craving more? Gear up for the complete podcast episode to dive deeper into these insights and empower your real estate journey.

Learn more about Hockett Tax: https://www.hocketttax.com/

Join the discussion on social media with the hashtags #GrowYourBusiness #GrowYourWealth. Until next time, let's soar those financial skies together! 🚀🌟

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Episode 160: Roy Kowarski Sep 13, 2023

🎙️ 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!

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Episode 159: Tom Daly Sep 06, 2023

Want to up your sales game and understand today's hiring challenges? Get the insights from

Tom Daly, guest on the "Grow Your Business & Grow Your Wealth" podcast with host Gary Heldt.

Tom Daly serves as a fractional Chief Revenue Officer at Sales Xceleration. With a strong sales strategy and management background, Tom provides valuable insights into sales metrics and processes and what drives revenue growth strategies. His expertise also spans comprehensive sales analyses and the evolution of client behaviors.

In his conversation with Gary Heldt, Tom discusses the importance of detailed sales analyses, the current challenges in hiring, and the need for a clear sales process. He emphasizes the value of having meaningful conversations in business.

Key Takeaways:

✅ Deep Dive into Sales Analysis: Understanding the reasons behind those numbers is crucial beyond meeting sales targets. Analyzing sales can reveal insights into changing client behaviors and margins.

✅ Hiring Challenges and Solutions: Contrary to popular belief, good talent is available. The key lies in having a strategic approach to hiring.

✅ Importance of Sales Processes: Sales involve more than calls; it requires a clear strategy, the right tactics, and an outcomes analysis.

✅ Power of Conversations: Regular interactions can create future opportunities even if they don’t lead to immediate business.

Reach Out:

Want to connect with Tom Daly?

Websites: www.focusinsightsgroup.com , www.salesxceleration.com

LinkedIn: https://www.linkedin.com/in/tom-d-4796bb/

Sales Assessment: https://salesxceleration.com/sales-agility-assessment/?locationid=29820526

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Episode 158: Cesar Quintero Aug 30, 2023

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.

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Episode 157: Leslie Giscombe Aug 23, 2023

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

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Episode 156: Glenn Poulos Aug 16, 2023

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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Episode 155: John Creekmur Aug 09, 2023

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.

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Episode 154: Andrei Mincov, founder of TrademarkFactory Aug 02, 2023

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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Episode 153: Philippe Bouissou Jul 26, 2023

🌱 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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Episode 152: Pamela Starr Jul 19, 2023

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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Episode 151: Dominique Molina, co-founder and president of the American Institute of Certified Tax Planners Jul 12, 2023

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

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Episode 150: Marcia Mantell Jul 05, 2023

🎙️ 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/

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Episode 149: Dr. James Rodgers Jun 28, 2023

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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Episode 148: Bryan M. Kuderna, CFP®, MSFS, RICP®, LUTCF Jun 21, 2023

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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Episode 147: Randy Sadler, Principal and CMO at CIC Services Jun 14, 2023

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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Episode 146: Ashley Tison, Esq. - Founder of OZPros, the leading Opportunity Zone consultancy Jun 07, 2023

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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Episode 145: John Greer, A Certified Exit Planning Advisor May 31, 2023

In episode 147 of the Grow Your Business & Grow Your Business podcast, host Gary Heldt interviews John Greer, a certified exit planning advisor, who shares his experience and expertise in planning for a successful business exit. John discusses his background and how he got into the business of exit planning. He also talks about common mistakes that business owners make and the three-pronged approach to exit planning.

🔑 Key Takeaways:

✅ Common mistakes that business owners make include not starting the exit planning process early enough, not seeking professional help, and not having a sellable business.

✅ The three-pronged approach to exit planning includes financial planning, tax planning, and estate planning.

✅ It is important to get a formal valuation and understand the components that contribute to a successful exit.

✅ John's book, "The Exit Plan," is a great resource for business owners who want to learn more about exit planning.

✅ John invites listeners to reach out to him for a virtual coffee conversation to discuss their exit planning needs.

👍 Overall, this episode provides valuable insights and practical tips for business owners who are planning for a successful exit. John's expertise and experience make him a great resource for anyone who wants to ensure a smooth and profitable exit from their business.

John Greer is a seasoned entrepreneur and business owner specializing in exit and succession planning, assisting other business owners to incorporate these strategies. With a passion for helping owners exit on their terms, he emphasizes eight key drivers to build greater transferrable value. John grew his family business over 10x before selling it to a private equity-backed buyer and founded the Exponential Impact Group to educate and empower business owners nationwide in incorporating exit planning for fulfilling lives beyond entrepreneurship.

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Episode 144: Maureen Edwards May 24, 2023

✅ Join Gary Heldt, host of Grow Your Business & Grow Your Wealth, as he dives into branding, marketing, and strategic growth with special guest Maureen Edwards, founder of Eight Simple Steps. With a strong background in corporate and entrepreneurial ventures, Maureen helps entrepreneurs and business owners navigate the complexities of branding and marketing for sustainable growth.

Maureen shares her journey from corporate to entrepreneurship and highlights the need for identifying strengths and seeking expertise. She emphasizes the significance of building a solid brand foundation and crafting a customer-centric message. Maureen provides practical advice on scaling businesses and nurturing existing customers.

✨ Key Takeaways:

✅ Transitioning to entrepreneurship: Maureen shares her experience and challenges of leaving a corporate career to start a business.

✅ Leveraging expertise: Focus on strengths and seek help in areas of weakness for business success.

✅ Importance of branding: Build a strong brand foundation before implementing marketing strategies.

✅ Differentiating branding and marketing: Branding is the science behind the scenes, while marketing is the tactical aspect that utilizes branding.

✅ Scaling and growth: Expand offerings while maintaining consistent branding. Nurture existing customers for business growth.

✅ Seeking customer feedback: Proactively ask for feedback to improve branding and marketing strategies.

✅ Advice for aspiring entrepreneurs: Test business ideas while keeping a day job for financial stability and confidence-building.

✅ Customer retention: Prioritize nurturing existing customers for continued growth.

✅ Seeking expert guidance: Maureen offers expertise in messaging, branding, and marketing strategies to support entrepreneurs and business owners.

Get in touch with Maureen:

LinkedIn: https://www.linkedin.com/in/maureenedwards2/

https://www.facebook.com/startandstayinbusiness

https://www.youtube.com/channel/UCPuNduWurW58mKkRm-QJ3eA/videos

goldfish@8simplesteps.net443-955-3154

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Episode 143: Barbara Trapp May 17, 2023

Are you tired of feeling overwhelmed by your business tasks and struggling to find balance in your life? Discover the secrets to simplifying your life, boosting productivity, and achieving long-term success as Gary Heldt interviews Barbara Trapp, a Certified Professional Organizer® and Productivity Coach, on this episode of "Grow Your Business & Grow Your Wealth."

🎧 Listen to uncover valuable strategies that will transform the way you run your business and manage your time.

Barbara Trapp is a Certified Professional Organizer® and Productivity Coach with over 15 years of experience in Human Resources, Training and Development, and Process Improvement. She holds specialist certificates in Residential Organizing, Life Transitions, and Workplace Productivity. Barbara is also a Certified DISC & Driving Forces Facilitator and a Full Focus Planner Certified Pro. She founded Zen Your Den to help individuals and businesses optimize their environments and routines, reduce clutter, and increase productivity.

🗝 Key Takeaways

✅ Effective planning systems can significantly improve productivity and time management, such as using a hybrid approach of paper planners, digital calendars, and reminders.

✅ Creating organizational charts and job descriptions, even for solo business owners, helps identify tasks that can be delegated and supports future growth.

✅ Prioritizing tasks by identifying the top three most important items each day can enhance focus and productivity.

✅ Hiring an assistant with complementary skills and strengths can alleviate workload and allow business owners to focus on strategic thinking and development.

✅Understanding individual strengths, motivators, and competencies through DISC assessments can guide hiring decisions and create a well-rounded team.

Get in touch with Barbara Trapp:

To learn more from Barbara Trapp and access valuable resources, visit her website at ZenYourDen.com. You can also contact her directly at 904-500-7678. Don't miss out on the opportunity to simplify your life and boost your productivity with Barbara's expert guidance.

Get in touch with Gary

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 142: Attorney Ariana Dindiyal May 10, 2023

Ariana Dindiyal is a litigation attorney at Baker Hostetler specializing in legal tech and AI. In this episode, she discusses the benefits and challenges of AI in businesses, emphasizing the importance of transparency and customer trust. Dindiyal offers these tips for businesses to make the most of legal tech and AI.

Key takeaways:

AI is everywhere and can provide numerous benefits for businesses, including streamlining processes and providing data-driven insights.
Lack of transparency in AI usage can concern some consumers, but businesses can build trust by being transparent.
To make the most of legal tech and AI, businesses should stay informed, invest in training, and be transparent with customers.
Legal tech and AI constantly evolve, so staying up-to-date with developments and trends is essential for businesses and lawyers.
Automation should be balanced with human expertise and judgment.

Get in touch with Attorney Dindiyal:

https://www.linkedin.com/in/ariana-dindiyal-9696ab5b/

bakerlaw.com/ArianaDindiyal (Company)

Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

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Episode 141: Replay with Jerry Truman May 03, 2023

Episode 141 of the Grow Your Business and Grow Your Wealth podcast with Gary Heldt features financial planning expert Jerry Truman. Jerry has been advising high-net-worth clients for over 20 years, helping them develop personalized and comprehensive financial plans that align with their life and business goals. He is also a dedicated philanthropist, co-founding Truman Charities and raising over $950,000 for local and national charities.

In this episode, Jerry shares his valuable insights on smart financial planning. Here are some of the key takeaways:

👉 Listening to clients and asking the right questions is crucial for effective financial planning.

👉 Financial planners should know their clients' business plans to create a cohesive and comprehensive financial plan.

👉 There is no one-size-fits-all approach to financial planning and businesses. Each client is unique and requires personalized attention.

👉 Regular communication and contact with clients can lead to better and more satisfactory service.

👉 Having a financial plan in place is essential during times of uncertainty.

Connect with Jerry:

Links Mentioned:

us.rbcwealthmanagement.com/trumanwmgroup

LinkedIn

linkedin.com/in/jerry-truman-46031852

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

https://www.linkedin.com/in/gary-d-heldt-jr/

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Episode 140: Fan Favorite Replay with Attorney Candace Dellacona Apr 26, 2023

🎉 Get ready to relive one of the most popular episodes of the "Grow Your Business and Grow Your Wealth" podcast! Host Gary Heldt is joined by special guest Attorney Candace Dellacona for a discussion about the importance of asset protection, and their conversation is packed with valuable insights and advice.

👉 Here are some key takeaways from their discussion that you won't want to miss:

✅ A will may not address all your asset protection needs.

✅ A will can lead to probate.

✅ It's important to speak to an estate planning attorney before making any legal decisions.

✅ Having a difficult conversation about death is necessary to protect your family.

✅ Regularly updating legal documents is crucial to protect your assets.

👥 This episode has received rave reviews from listeners, and it's easy to see why. Tune in now to hear from Attorney Candace Dellacona and learn more about Offit Kurman, the law firm she's associated with, by visiting their website and connecting with them on social media. And don't forget to connect with host Gary Heldt, Jr. of Small Business Advisors on his website and social media profiles. Get ready to be inspired!

Connect with Candace:

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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Fan Favorite Replay How To Find Money For College Apr 19, 2023

💰 Are you struggling to afford the cost of college? In this episode of the Grow Your Business and Grow Your Wealth podcast, host Gary Heldt sits down with Seth Greene, the nation's leading expert on growing your business, with a podcast and the Founder of How to Find Money for College. Seth shares his personal story of experiencing financial hardships while trying to pay for college, which led him to become a financial aid planner.

💰 If you're a parent or a student, understanding the college financial aid process can be overwhelming. Listen to this episode to learn valuable tips and strategies to help you maximize your opportunities for financial assistance.

✅ College financial planners can help families navigate the complex process of finding financial aid resources and lowering their expected family contribution (EFC).

✅ Filling out the FAFSA is essential to qualify for federal and state financial aid programs and aid from individual colleges and universities.

✅ Private colleges typically have more money to offer in financial aid, but public colleges may be more affordable overall due to lower tuition costs.

✅ Seth's website, How to Find Money for College, offers a VIP training video for families navigating the college financial aid process.

✅ Don't forget to visit How to Find Money for College to access their VIP training video and get more resources for navigating the college financial aid process. https://howtofindmoneyforcollege.com/optin-41494959159596158695

#financialaid #collegeplanning #fafsa #studentloans #highereducation #podcasting #marketing #businessgrowth #entrepreneurship

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Episode 138: Tom Hegna, CLU, ChFC, CASL Apr 12, 2023

In this podcast episode, 138, host Gary Heldt interviews Tom Hegna, CLU, ChFC, CASL,, a well-known economist and retirement income expert. They discuss the importance of having guaranteed income in retirement and the potential risks of relying solely on investments. Tom emphasizes the benefits of delaying Social Security benefits and how it can increase your long-term income. Tom also talks about the importance of having a financial professional in your arsenal and recommends utilizing free webinars and resources to educate yourself on retirement planning.

Here are the key takeaways:

Having guaranteed lifetime income can improve your portfolio performance, increase your happiness, and potentially allow you to live longer.
Delaying Social Security benefits can increase your long-term income, especially for the breadwinner in a couple, as it covers both lives.
It's important to consider the health of both partners in a couple when deciding on when to take Social Security benefits.
Working with a financial professional and utilizing free webinars and resources can help educate you on retirement planning and make informed decisions.
As tax rates are potentially going up, it's important to consider how this will impact your retirement income and plan accordingly.

Tom Hegna, CLU, ChFC, CASL, is a renowned author, speaker, and economist who has delivered over 5,000 seminars to Baby Boomers and seniors on how to retire the optimal way. He is considered by many to be THE Retirement Income Expert and is a former Senior Executive Officer at New York Life, retired Lieutenant Colonel, and economist.

Tom has authored five books, including Paychecks and Playchecks: Retirement Solutions for Life, Retirement Income Masters: Secrets of the Pros, Paycheques and Playcheques, Retirement Solutions for Canadians, and Don’t Worry, Retire Happy! Seven Steps to Retirement Security. He specializes in creating simple and powerful retirement solutions based on math and science, not opinions. Tom is available to speak globally to businesses, government organizations, professional associations, financial professionals, and their clients.

Tom’s website:

LinkedIn: https://www.linkedin.com/in/tomhegna/

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 137: Violetta Terpeluk Apr 05, 2023

Join Gary Heldt in this episode of Grow Your Business & Grow Your Wealth as he speaks to Violetta Terpeluk, MBA, CFP, CPWA, CEPA, CRPC from IndigoFlow Financial Group. Violetta has been helping business owners to build and exit their businesses for 20 years. She shares common mistakes business owners make when selling their businesses, such as needing an overall plan or not working with a professional team. Violetta encourages business owners to plan, evaluate their options, and prepare to successfully sell their business, which will then yield the best returns. To assist them with this, she offers advice and guidance on properly connecting personal problems with business solutions.

Listen to this informative Grow Your Business and Grow Your Wealth podcast on https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Here are some of the beneficial topics covered on this week’s show:

✅ The Financial Struggles of Retiring Business Owners

✅ Tips for Forming an Integrated Business and Personal Exit Plan.

✅ Timing and Collaboration for Maximizing Value When Selling a Business

✅ The Importance of Financial Planning for Business Owners: Developing an Exit Plan.

✅ What business owners should understand before selling their business.

✅ Building a Supportive Business Team to Maximize Profits

Connect with Violetta”

Website: https://www.ameripriseadvisors.com/team/indigoflow-financial-group/team-profile/

Facebook: https://www.facebook.com/violetta.terpeluk/

Linkedin: https://www.linkedin.com/in/violettaterpeluk/

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 136: Richard Culbertson: Back by Demand - 2nd Interview Mar 29, 2023

Richard Culbertson is a highly experienced Social Security attorney with over 20 years of experience in the field, based in Daytona and Orlando, Florida. He is a skilled and dedicated advocate known for his compassionate approach and personalized attention to clients. Mr. Culbertson has helped clients with a wide range of Social Security issues, including disability benefits, retirement benefits, and survivor benefits.

Mr. Culbertson graduated from the University of Florida Levin College of Law in 1999 and is a National Organization of Social Security Claimants' Representatives (NOSSCR) member. He is admitted to practice law in Florida before the United States District Court for the Middle District of Florida. In addition to his legal work, Mr. Culbertson is an active member of his local community, volunteering with non-profit organizations and serving on the board of directors.

Key takeaways from this episode:

Medical evidence is necessary for disability cases, so Culbertson established a separate agency to assist clients with health insurance coverage.
The three main possibilities for health insurance coverage are Medicare, Medicaid, and the Affordable Care Act (ACA).
Medicare is the gold standard and covers those 65 and older or those with Social Security Disability Insurance for 24 consecutive months.
Medicaid is a welfare program for low-income individuals, but the choice of doctors is limited. The ACA offers coverage depending on the financial situation and eligibility criteria.
Private insurance companies may have their requirements in the group policy, such as requiring a person to get Medicare, which could lead to issues with coverage and payments.
Veterans may not have health insurance coverage through the VA, which could lead to problems with Medicare coverage.
Coordination of benefits is essential, as it determines who pays first and who pays second and having multiple types of coverage can be beneficial in covering high medical expenses.
Medicare has different parts, including Parts A and B, which cover hospital and medical insurance.
Part C, or Advantage programs, are offered by private insurance companies and provide additional coverage beyond what Parts A and B cover.
Part D covers prescription drug costs, and supplements are available to cover costs not covered by Parts A and B. Supplements become available to those aged 65 or older, and insurance companies cannot deny coverage due to pre-existing conditions.

Connect with Richard:

Connect with Attorney Richard Culbertson

Phone

Orlando: 407-894-0888
Daytona: 386-253-6811
Leesburg: 352-728-5552

Email

Orlando: orlando@culbertsonlawgroup.com
Daytona: orlando@culbertsonlawgroup.com
Leesburg: info@richardculbertsonlaw.com

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 135: Jason Massie, CPA, ESQ Mar 22, 2023

As Founder and President of MASSIE R&D Tax Credits, Jason is responsible for the quality, consistency, and integrity of our tax credit service offerings. He heads the Delivery Team at MASSIE and leads all Architecture and Controversy Phases for clients across the United States. He received a B.S. in Accounting from Christian Brothers University and a law degree from the University of Memphis. He was first introduced to R&D Tax Credits at a Big 6 accounting firm in Washington, D.C. Over the next few years; he led Big 4 and law firm practices in managing many types of federal and state tax planning, credits, incentives, and other cash flow strategies. He is widely recognized as an expert by his peers in the R&D Tax Credit and R&D Expenditure areas, with frequent speaking and writing engagements.

Here are some of the beneficial topics covered on this week’s show:

What R and D credits are and aren’t.
How do you use technology to improve the process?
An example of how to leverage technology to help with taxes.
The passage of the Tax Cuts and Jobs Act (TCJA) made the research credit permanent in the tax code and made it even more attractive.
The increased interest in r&d tax credit has overwhelmed the IRS, struggling to keep up with the number of tax returns with r&d claims.
The IRS wants to change the form for refund claims and make taxpayers provide more information.

Connect with Gary:

Website: sbadvisors.cc/
Facebook: facebook.com/SmallBusinessAdvisors
LinkedIn: linkedin.com/in/gary-d-heldt-jr-388a051/

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Episode 134: Jamaal Stafford Mar 15, 2023

Here are some of the beneficial topics covered on this week’s show:

Documentation of performance management issues.
Regarding employment law, why it's better to pay a professional upfront?
An outside HR professional can be cost-effective for the small business owner.
Why employer relationships can change the minute an employee gets an attorney involved
The importance of an employee handbook
The real rule of hours.
Understand what EPLI Insurance is.

Connect with Attorney Jaamal Stafford

Website: https://www.staffordtrialteam.com/attorney-profile/

Baltimore

20 S Charles St.

Suite 901

Baltimore, MD 21201

Phone: 410-514-6099

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 133: Candise and Justin Cernitz Mar 08, 2023

Episode 133 The Grow Your Business and Grow Your Wealth podcast with Gary Heldt

Guest: Candise and Justin Cernitz

For the past ten years, Candise has been the managing partner of Cernitz Law, which she started with her husband, Justin Cernitz, and helped build a successful law firm completely organically without social media, marketing, or much of a digital footprint - 100% through word of mouth and referrals and are proud of what they have built on this, the most solid of foundations. Now, they are charging through the digital age ferociously and expanding out as far as the internet can touch. Candise is a Recipient of the 2022 Elite Lawyer Award and the Lawyers of Distinction Award, recognizing her excellence in insurance law.

Justin is the Founding Partner of Cernitz Law Firm. He counsels and represents clients on various insurance and personal injury legal issues, including First-Party Property Insurance Disputes, Bad Faith Litigation, Medical Malpractice, Personal Injury Protection, Catastrophic Injury, Wrongful Death, and Nursing Home Negligence.

Justin Cernitz originally formed Cernitz Law after working at firms representing injured people and insurance companies. Shortly after opening up Cernitz Law, Justin’s wife, Candise, joined him after working for many years representing insurance companies and policyholders.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

➡️ Being a lawyer vs. defending the insurance companies.

➡️ Mistakes that people make in personal injury cases.

➡️ How personal injury claims are handled.

➡️ Advice for hurricane preparedness.

➡️ The importance of speaking with an attorney.

➡️ The common issues when it comes to Property Insurance Law.

➡️ When do rates go up when it comes to auto accidents?

➡️ Explanation of Florida's no-fault automobile insurance state

Connect with Candise and Justin:

Website: https://cernitzlaw.com/

Facebook: https://www.facebook.com/cernitzlawmiami

Instagram: https://www.instagram.com/cernitzlaw/

linked-in: https://www.linkedin.com/company/cernitz-law/

Youtube: https://www.youtube.com/@relawtionship

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 132: Candise and Justin Cernitz Mar 08, 2023

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

➡️ Being a lawyer vs. defending the insurance companies.

➡️ Mistakes that people make in personal injury cases.

➡️ How personal injury claims are handled.

➡️ Advice for hurricane preparedness.

➡️ The importance of speaking with an attorney.

➡️ The common issues when it comes to Property Insurance Law.

➡️ When do rates go up when it comes to auto accidents?

➡️ Explanation of Florida's no-fault automobile insurance state

Connect with Candise and Justin:

Website: https://cernitzlaw.com/

facebook: https://www.facebook.com/cernitzlawmiami

instagram: https://www.instagram.com/cernitzlaw/

linked-in: https://www.linkedin.com/company/cernitz-law/

Youtube: https://www.youtube.com/@relawtionship

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 131: Jennifer Smith Funn and Aldo Mar 01, 2023

Jennifer Funn has been named the director of the Baltimore region Small Business Development Center (SBDC) at the University of Maryland. The new region will provide services to businesses and entrepreneurs in Baltimore City and Baltimore County. The region is one of 6 centers and more than 23 locations serving Maryland businesses.

As the director, Ms. Funn will be responsible for planning, developing, and implementing all programs offered by the SBDC; identifying resource requirements and strategies in the delivery of such programs and services; and securing and maintaining the funding necessary to accomplish program goals and objectives in this diverse area of the state.

"I am committed to expanding the Maryland Small Business Development Center's services to assist Baltimore City and Baltimore County's entrepreneurs grow and sustain their businesses,“ says Funn.
"Jennifer's knowledge of Baltimore City and Baltimore County, the breadth and depth of her contacts in each, and her knowledge of the SBDC make her an ideal first director of our new Baltimore region," says Paul Bardack, executive director of the Maryland SBDC Program.

Funn has initiated several innovative programs and was named an outstanding staff member by the University of Maryland. She also received a citation from the city of Baltimore for the SBDC Women’s conference and her work to bring an urban farm to the Branch Avenue in Bloom community project.

Aldo Barillas, MBA

Bilingual-Spanish professional with 20 years of experience in community service, education, utility, consulting, and construction business.

Background includes experience in project teams related to business management, human resources, management, and safety areas.

Currently, working as a business consultant for the Maryland SBDC - Baltimore Region in the business area.

This includes assistance and commercial information, start-up, bidding and contract management, general business management and human resources, and coordinating training.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

Here are some of the beneficial topics covered on this week’s show:

What is the SBDC, and how do they help small businesses?
The importance of writing your business plan yourself.
The West Baltimore project and legal assistance.
The importance of building your team.
Listen to learn all the free resources available from the SBDC.
Aldo shares information on resources available for the Latino population.
Jennifer shares the other resource partners available to Maryland businesses.

Jennifer Funn

Regional Director - Baltimore City / Baltimore County

Maryland Small Business Development Center

an affiliate of the University of Maryland at College Park

240.342.9410 Mobile Number

jsmithfu@umd.edu

maryalndsbdc.org

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 130: Natalie C. Hall Feb 15, 2023

NATALIE C. HALL ECONOMIC DEVELOPMENT SPECIALIST/VETERAN BUSINESS DEVELOPMENT OFFICER

Natalie C. Hall is an Economic Development Specialist and the Veteran's Business Development

Officer for the U.S. Small Business Administration, North Florida District Office. Natalie joined the NFDO team in April 2012, and enjoys advocating for entrepreneurs and small business owners by helping them access capital, government contracts, mentoring, counseling, and disaster assistance.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

Here are some of the beneficial topics covered on this week’s show:

What is the SBA: Small Business Administration.
Who are the resource partners for SBA?
Learn about the unknown programs offered by the SBA.
What does it take to become a disadvantaged business?
Common questions regarding the SBA programs.
Understand more about the SBA Certification programs that are available.
Natalie explains her role as Veteran Business Development Officer and programs.

Connect with Natalie:

Natalie Hall

Economic Development Specialist/Veteran’s Representative

North Florida District Office

U.S. Small Business Administration

(904) 443-1902

Cell - (202)765-9470

Fax – (202)481-4721

Email: natalie.hall@sba.gov

Website: www.sba.gov/northflorida

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 129: Brian Laird Feb 08, 2023

Brian Laird is an attorney in Tucson, Arizona. Brian provides representation and counsel for companies and individuals in business and financial litigation, real estate and development disputes, construction defects, and other commercial litigation. He represents select clients in serious injury and wrongful death cases.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

Here are some of the beneficial topics covered on this week’s show:

Consider having an attorney draft your operating agreement and not a DIY form.
Making sure you know the steps of litigation.
The difference between an S Corp and an LLC.
Common mistakes people make when starting a business.
Conflicts arise for business owners when they don't have an OA
Why you should feel comfortable asking your attorney follow up questions.

BRIAN A. LAIRD

Tel. 520-230-8878

Fax 520-230-8879

www.blaird.com

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 128: Kimberly DeCarrera Feb 01, 2023

Kimberly DeCarrera combines the disciplines of law and accounting to bring business solutions to clients. Kimberly is an accomplished lawyer and accountant with more than 15 years of experience representing companies of all sizes across multiple industries,

including financial services, hospitality, retail, manufacturing, transportation, professional services, and health care. She recently served as in-house counsel and CFO for a transportation brokerage company and serves clients as outside general counsel and business coach. She has a Masters in Tax and a law degree from Georgia State University and a bachelor's of science in business management from Georgia Tech.

Listen to this informative Grow Your Business and Grow Your Wealth podcast.

Here are some of the beneficial topics covered on this week’s show:

The importance of having multiple perspectives on different industries.
Difference between owning a job or owning your business.
Business owners should have a succession plan and incident plan in emergencies.
The importance of having an operating agreement.
Learn about Kimberly’s newest program called Springboard Legal.

Get in touch with Kimberly DeCarrera, Esq. kimberly@decarreralaw.com

(404) 939-5096 https://decarreralaw.com

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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Episode 127: Michael Blom, The Lake Law Firm Jan 25, 2023

As a partner at The Lake Law Firm, Michael Blom focuses on personal injury, pharmaceutical drug injury, medical device liability, and mass tort litigation. Michael also works with business owners to recover refundable tax credits through the employee retention tax credit.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Michael J. Blom, Esq. https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Here are some of the beneficial topics covered on this week’s show:

✅ What is the Employee Retention Tax Credit (ERC)?

✅ What are some of the exclusions to the ERTC?

✅ If a business shuts down, are they still eligible for ERTC?

✅ What happens if you do not use an attorney to apply?

✅ Common mistakes business owners make when trying to apply for the ERTC.

✅Why you should find an attorney to help you qualify; don't take the word from your CPA or Payroll Company.

https://thelakelawfirm.com/

888-LAKELAW

MBLOM@THELAKELAWFIRM.COM

INFO@THELAKELAWFIRM.COM

Twitter, Instagram, Facebook, LinkedIn, TikTok: @thelakelawfirm

https://www.facebook.com/thelakelawfirm

https://www.linkedin.com/company/thelakelawfirm/

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

Episode 126: Shannon Procise, Business Connection Specialist Jan 18, 2023

Known as the owner of an exclusive “Million Dollar Rolodex,” Shannon has successfully attained over $3.2 Million in F-R-E-E press for herself and her clients. What’s more, she readily shows others how to do the same. A master at creating strategic alliances and developing sustainable partnerships, Shannon almost effortlessly resolves multiple complex issues while motivating teams to peak performance. Shannon has appeared on television, radio, and in the press. She’s co-author of the Amazon #1 bestseller “Law of Business Attraction – The Secret of Cooperative Success” with T Harv Eker of The Millionaire Mind.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Shannon Procise sharing media tips and crisis management.

Here are some of the beneficial topics covered on this week’s show:

Common mistakes people make when dealing with a crisis.
The importance of pausing before responding to a crisis.
A solid team and a plan will help during the good and bad press.
How do you handle questions from the media?
The importance of media and tips on getting press (you don’t have to be a writer).

Connect with Shannon:

Business Success Website: https://billionsuccess.com/shannon-procise/

Shannon Website and book information: https://shannonprocise.com/

LinkedIn: https://www.linkedin.com/in/shannonprocise

Facebook: https://www.facebook.com/ShannonProcise/

Instaram: https://www.instagram.com/shannonprocise/?hl=en

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

Episode 125: Angela Reddock-Wright Jan 11, 2023

Angela is the Founder and Managing Partner of the Reddock Law Group and has been a practicing attorney for over 20 years.

As a workplace investigator, Ms. Reddock-Wright is retained by public and private sector employers to conduct independent and neutral investigations of workplace harassment, discrimination, and other claims. Having litigated two of the seminal university sorority hazing cases in recent history, Ms. Reddock-Wright also is retained by secondary and higher educational institutions to investigate Title IX sexual assault, bullying, and hazing cases.

Listen to this informative Grow Your Business and Grow Your Wealth podcast episode with Angela Reddock-Wright talking about the principles of employment law.

Here are some of the beneficial topics covered on this week’s show:

Learn some common mistakes small business owners make regarding employment law.
Understand the 1099 employee vs. the full-time employee.
Business owners should look at the basic principle of employment law.
Angela shares resources and free programs for business owners.
Why you should consider having Employment Practices Liability Insurance.
How “quiet quitting” is changing the workplace.
The importance of job descriptions and expectations for the employee.

Connect with Angela:

LinkedIn: https://www.linkedin.com/in/angelareddock/

LinkedIn Company Page: https://www.linkedin.com/company/reddocklaw/

Law Firm Website: https://www.reddocklaw.com/

Book Angela Website: https://angelareddock-wright.com/

Facebook: https://www.facebook.com/iamangelareddockwright/

Instagram: https://www.instagram.com/iamangelareddockwright/

YouTube: https://www.youtube.com/channel/UCG1R-EAQyIUegtC_d-NOY1w

Buy the Book: The Workplace Transformed https://angelareddock-wright.com/book/

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

Episode 124: Christopher Barber Jan 04, 2023

Christopher Barber is the founder, CEO, and proudly proclaimed Chief Nerd at Cheaper Than A Geek®- an IT services firm helping small businesses with stellar, client-focused outsourced IT support. CTAG has a rather unusual approach to IT and can support an entire IT department for companies even as small as 1-10 employees organizations.

Additionally, with a fanatical emphasis on great customer service, Cheaper Than A Geek® has won more awards for their customer service than any other IT provider in the DC, MD, and VA area. An industry disrupter, Barber, is also heavily involved in the community serving on many boards and committees and has appeared in numerous publications as an authority on IT.

Here are some of the beneficial topics covered on this week’s show:

✅ Chris explains in the Cloud-Based End User License Agreement that the company is not responsible for your data.

✅ Why you need a good backup system.

✅ Learn the number one cyber attack and how to protect your business.

✅ What to look for so you can identify fake accounts and phishing emails.

✅ Why you should have a good training program on cyber security.

✅ Learn why you should protect your WIFI, don’t be so quick to give the password.

Listen to this and previous episodes:

https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Website: https://cheaperthanageek.com/

Twitter: https://twitter.com/cheapertag

Facebook: https://www.facebook.com/CheaperThanAGeek

YouTube: https://www.youtube.com/channel/UCm5rWNrcdpk7_2A7xZO0Xtw

LinkedIn: https://www.linkedin.com/company/cheaperthanageek/

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

Episode 123: Aaron J Aisen Dec 28, 2022

Before opening Aisen Law, PLLC, Aaron Aisen focused his practice on regulatory compliance, governance issues, and complex litigation. He works to provide clients practical solutions to their problems, whether it is helping a client navigate complex state and federal regulations and laws or complex litigation or helping a client with a basic small claims matter or traffic infraction. He has successfully helped clients navigate various areas of law, including immigration, insurance regulation, consumer protection, and cybersecurity/data privacy.

Aaron has nearly a decade of experience in federal court litigating various claims, including immigration, commercial, and consumer protection claims. Aaron earned his undergraduate degree from George Washington University, his Master of Public Administration degree from Brigham Young University, and his law degree from the University at Buffalo.

Aaron answers these questions and offers other great tips to prevent cyber crimes.

✅ What is the best way to prevent fraud?

✅ My identity was stolen; what should I do?

✅ I received a collection notice from a company I had never heard of.

✅ Credit report was pulled, and I don’t recognize a creditor.

✅ When should you seek help from an attorney?

✅ How do I lock down my card from scammers?

✅ I believe my social security number has been stolen; what should I do now?

✅Tips on preventing cyber security.

Listen to this and previous episodes:

https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Contact Aaron:

aaron.aisen@gmail.com
https://www.linkedin.com/in/aaron-j-aisen-esq-mpa-4628004/
https://www.aisenlawpllc.com/
https://www.facebook.com/AisenLawPLLC

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

Episode 123: Richard Culbertson Dec 21, 2022

Richard Culbertson received his Juris Doctor degree from Western State College of Law in 1975. He was admitted to the California Bar in that same year. He was subsequently admitted to The Florida Bar. He spent the first twenty years of his career providing legal services to low-income individuals through non-profit legal aid and legal services offices.

He opened his own office in 1996. He is Board Certified in Social Security Disability Advocacy by the National Board of Legal Certification Specialty, which the American Bar Association accredits. Richard has spoken at many seminars on Social Security issues sponsored by community organizations, County and State Bar Associations, and the National Organization of Social Security Claimants' Representatives.

Attorney Culbertson now handles nothing but Social Security cases and related Medicare issues. He has handled thousands of cases from pre-application through the United States Supreme Court.

The Culbertson Law Group consists of five attorneys who represent Social Security claimants. The Group includes two certified specialists and one former Social Security Administrative Law Judge.

Here are some of the beneficial topics covered on this week’s show:

Attorney Culbertson shares why the Social Security Administration denies disability.
Understanding the different levels when seeking disability.
How Covid has caused a backlog of cases and
Why any benefit of the doubt goes against the claim and the claimant?
When should you first seek help from a disability attorney?
The difference between Social Security Disability Insurance and Supplemental Security Income
The steps and processes when you are found disabled and what to expect.

Listen to this and previous episodes:

https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Connect with Attorney Richard Culbertson

Phone

Orlando: 407-894-0888
Daytona: 386-253-6811
Leesburg: 352-728-5552

Email

Orlando: orlando@culbertsonlawgroup.com
Daytona: orlando@culbertsonlawgroup.com
Leesburg: info@richardculbertsonlaw.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

Episode 122 Maureen Murat, Attorney Advisor of the General Counsel with the DC Department of Insurance, Securities and Banking (DISB) Dec 14, 2022

Maureen Murat is an Attorney-Advisor in the Office of the General Counsel with the DC Department of Insurance, Securities, and Banking (DISB). She provides legal guidance and support on banking issues the DISB regulates.

Maureen primarily supports the Banking Bureau and provides legal advice and guidance to the agency on local and federal banking and financial institution laws and regulations.

Before joining DISB, Maureen worked at a small firm advising startups and small businesses interested in launching Fintech businesses, including advising companies on raising capital and private securities offerings and filings under Regulations A+, D, S, and CF.

Maureen has also taught courses on fintech and how they intersect with the law at the University of New Hampshire Franklin Pierce School of Law. She has been speaking and presenting on Fintech, blockchain, and cryptocurrency solutions for over four years and is excited to share her knowledge.

Here are some of the beneficial topics covered on this week’s show:

✅ What is the responsibility of the Department of Insurance Securities and Banking?

✅ What are the license types of entities that DISB regulates?

✅ Understanding the Dodd-Frank Act when depositing money into a payment app.

✅ Learn what a BTM is and that using it is not considered a money transaction.

✅ Why you should be careful of scams and phishing attempts and stay up on the news.

Listen to this and previous episodes: https://podcasts.apple.com/us/podcast/grow-your-business-and-grow-your-wealth/id1521874291

Mentioned during the show:

District of Columbia Department of Insurance, Securities & Banking

Get in touch with Maureen:

https://www.linkedin.com/in/maureen-l-murat-esq/

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

Episode 121 Linda Sorg Ostovitz Dec 07, 2022

In her 40 years of practice, Linda Sorg Ostovitz has served as a leader, educator, and advocate. She is a family law attorney and the Legal Operations Chair at Offit Kurman. She is also on the firm's Board of Directors and is a member of the Management Committee. Mrs. Ostovitz holds a prestigious fellowship in the American Academy of Matrimonial Lawyers and is the Vice President of the Maryland Chapter. She is on the Howard County Chamber of Commerce boards, Respite Retreats, and the Rotary Club of Columbia Patuxent. Linda was awarded one of Maryland’s Top 100 Women in 2015 and 2019 and is a 2020 Her Mind Community Hero.

Mrs. Ostovitz has written and contributed to publications on family law matters and authors HoCo in the Know. She is a strong advocate for her clients and inspires the highest level of confidence, allowing the best and most informed decisions to be made.

She enjoys speaking to groups and guest lecturing for organizations. She also hosts a free Breakfast Bar series to educate her guests about the varied legal options offered by Offit Kurman.

Here are some of the beneficial topics covered on this week’s show:

The tax laws have changes that impact divorce and support.
Can you protect your inheritance?
The division of retirement assets should be considered.
Alimony is still alive; who gets it?
Take time to look at your future during a divorce.
Today’s court looks at each persona’s financial circumstance.

Connect with Attorney Ostovitz:

Website: https://www.offitkurman.com/attorney/linda-s-ostovitz-principal/
www.linkedin.com/in/linda-sorg-ostovitz

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

Episode 120 Adrienne Woods, The Law Offices of Adrienne Woods, P.C. Nov 30, 2022

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 119 Christian Pereyda, Associate at Bankruptcy & Restructuring Group Nov 16, 2022

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

Episode 118 Timothy Schaffer, Founder and President of HRi Nov 09, 2022

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

Episode 117 Darelle Joiner, CEO with OohRah Fitness Nov 01, 2022

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

Episode 116 Jubin Dana , Registered Patent Attorney Oct 25, 2022

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

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

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

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

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

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

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

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

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

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

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

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

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

- 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

- 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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EP 103 Matt Chancey- Financial advisor and tax expert Aug 03, 2022

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/

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EP 102 Kristel Patton, Estate Planning Attorney & Counselor at Law – Empowered Legacy Planning Jul 27, 2022

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/

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EP 101 Rob Braiman, CEO / Principal, Managing Member– Cogent Analytics Jul 20, 2022

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/

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EP 100 Prashant Sabapathi, Co-Founder – Elite Income Advisors Jul 13, 2022

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

EP 099 Gregory Kushner, Founder – Lido Advisors Jul 06, 2022

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/

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EP 098 Derrick Kinney, CEO – Good Money Framework Jun 29, 2022

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/

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EP 097 Patty Vargas, Partner – Davis & Santos Jun 22, 2022

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

EP 096 Aaron Clarke, Private Wealth Advisor – Halpern Financial Inc May 18, 2022

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

EP 095 Portia Wood, generational wealth planning attorney – Wood Legal Group, LLP May 11, 2022

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

EP 094 Matthew Erskine, managing partner – Erskine & Erskine LLC May 04, 2022

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

EP 093 Sabrina Shaheen Cronin, Founder – The Cronin Law Firm Apr 27, 2022

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

EP 092 Carmen Rosas, Founder – Carmen Rosas Law Apr 20, 2022

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

EP 091 Jack Hales, Founding partner – Hales & Sellers PLLC Apr 13, 2022

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

EP 090 Jeremy Keil, Financial planner – Keil Financial Partners Apr 06, 2022

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

EP 089 Tyson Koska, Founder – OnTrajectory Mar 30, 2022

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

EP 088 Rasha Ingratta, Mortgage broker – Shop Mortgages.Ca Mar 23, 2022

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

EP 087 Chris Ward, Founder – EntryPoint Wealth Management Mar 16, 2022

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

EP 086 Charles Alexander, Founder – YourCharlesAlexander.com Mar 09, 2022

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

EP 085 Justin Nabity, Founder and CEO – Physicians Thrive Mar 02, 2022

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

EP 084: Ron Saharyan, Co-Founder– Profit First Professionals Feb 23, 2022

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’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

EP 083 Ryan Reiffert, Lawyer – The Law Offices of Ryan Reiffert PLLC Feb 16, 2022

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

EP 082 Paul Donovan, Attorney, CPA, estate developer – Donovan Legal PLLC Feb 09, 2022

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

EP 081 Eunicia Peret, Founder and CEO – Empowered Financial Planner Feb 02, 2022

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

EP 080: Jeremy Britton, CFO – Boston Trading Jan 26, 2022

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

EP 079 Seth Greene, Founder and CEO – How to Find Money For College Jan 19, 2022

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

EP 078 Gil Baumgarten – Founder and CEO of Segment Wealth Management Jan 12, 2022

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

EP 077 Brett Swarts, Capital Gains Tax Deferral Experts and Founder of Capital Gains Tax Solutions Jan 05, 2022

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

EP 076 Eric Proos, P.C, Lawyer – EJP Law Dec 29, 2021

Eric Proos 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

EP 075 Rebecca Goldfarb, Lawyer – Goldfarb & Luu Estate Planning & Elder Law Dec 22, 2021

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

Learn more about your ad choices. Visit megaphone.fm/adchoices

EP 074 Tabitha Mazzara, Director of Operations –Mortgage Bank of California Dec 15, 2021

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

EP 073 Conrad Neufeldt, Mortgage broker Dec 08, 2021

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/

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EP 072 Dan Sheeks, Financial Consultant – Personal Finance Advocate/Entrepreneur/Author Dec 01, 2021

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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EP 071 Dr. Guy Baker, MBA, MSFS, MSM, ChFC, CFP, Wealth Coach Nov 24, 2021

A certified business and wealth coach, Guy Baker 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/

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EP 070 Jim Crider, CEO and financial planner - Intentional Living FP Nov 17, 2021

Show Notes

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/

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EP 069 Rachel Burns, Founder & Financial Planner – True worth Financial Planning Nov 10, 2021

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

EP 068 Bob Porter, Founder & President – Porter Investments Nov 03, 2021

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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EP 067 Chris Gure, Financial Consultant – Fortress Financial Partners Oct 27, 2021

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

EP 066 David Bross, Sr. Estate Planner and Shareholder - Truepoint Wealth Counsel Oct 20, 2021

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/

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EP 065 Curtis Bailey, CFP©, CRPC©, EA, CFA, Founder & Financial Advisor - Quiet Wealth Management Oct 13, 2021

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/

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EP 064 Cecile Hult, CFP®, CDFA® & Private Wealth Advisor – Argent Bridge Advisors Oct 06, 2021

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/

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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/

Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

EP 043 Dan Nguyen, Attorney, Author May 12, 2021

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

EP 042 Randy Kurtz CFP, RIA with Upper Left Wealth May 05, 2021

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

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 041 Ray Prospero, Partner Advisor with Advice Period Apr 28, 2021

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

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 040 Olivia Summerhill, Founder & CEO Summerhill Wealth Management Apr 21, 2021

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

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 039 Sundance Brennan, Branch VP of Training and Sales for American Financial Apr 14, 2021

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/

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 038 Simon Popple, Managing Director at Brookville Capital Apr 07, 2021

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

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 037 Brian Carney, CFP, AIF, ChFC, CDFA and Co-Founder of RiversEdge Advisors, LLC Mar 31, 2021

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/

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 36 Sarah Carlson CFP®, CLU, CHFC, Owner-Fulcrum Financial Group Mar 24, 2021

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/

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 035 Steven Goodman, CPA, MBA, President and CEO SHG Planning Mar 17, 2021

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

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 034 Jeff Link-Investment Advisor, Founder Blue Line Investing Process Mar 10, 2021

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/

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 033 Eric Brotman: CFP™, AEP, CPWA & CEO at BFG Financial Advisors Mar 03, 2021

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

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 032 Aaron Nannini: Founder of CashUncomplicated Feb 24, 2021

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

Connect with Gary:

Website: sbadvisors.cc/

Facebook: facebook.com/SmallBusinessAdvisors

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

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EP 031 Geoffrey S. Kunkler: Partner at Carlile Patchen & Murphy LLP Feb 17, 2021

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

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 030 Rob Schulz: CFP®, Founder & President of Schulz Wealth Feb 10, 2021

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.com/in/robschulz

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 029 Alan Rosca, Securities Lawyer & Investor Rights Advocate at Goldman, Scarlato & Penny, P.C. Feb 03, 2021

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

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 028 Jonathan Sparks: Founder of Sparks Law Jan 27, 2021

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

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 027 Mike Thomas: Agency Principal at Lighthouse Insurance Services Jan 20, 2021

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

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

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

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EP 026 Justin Donald, Lifestyle Investor® and Entrepreneur Jan 13, 2021

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

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 025 Eido Walny, Founder & Managing Attorney at Walny Legal Group Jan 06, 2021

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

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 024 Jonathan Sparks: Founder of Sparks Law Dec 30, 2020

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

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 023 Eric Steiner, Esquire at Steiner Law Group Dec 23, 2020

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

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 022 Steven J. Sless, CLTC®: Reverse Mortgage Expert at The Steven J. Sless Group Dec 16, 2020

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

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 021 Jerry Truman: Senior Vice President & Financial Advisor at RBC Wealth Management Dec 09, 2020

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.

Connect with Jerry:

Links Mentioned:

us.rbcwealthmanagement.com/trumanwmgroup

LinkedIn

linkedin.com/in/jerry-truman-46031852

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 20 Jamie Barwin: Senior Counsel at Strobl & Sharp PLLC Dec 02, 2020

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

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 19 Kristen Herwitz: Attorney at Herwitz Law Nov 25, 2020

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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EP 018 Alina Mardesich: Senior Vice President at George Smith Partners Nov 18, 2020

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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Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

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

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EP 017 Eido Walny: Founder at the Walny Legal Group Nov 11, 2020

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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Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

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

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Ep 16 John Strohmeyer: Proprietor of Strohmeyer Law PLLC Nov 04, 2020

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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Website

sbadvisors.cc/

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EP 15 Jodie Buchman: Partner at Silverman Thompson Slutkin White Oct 21, 2020

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

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

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

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EP 14 Peter Riebling, Principal at Riebling Law Oct 14, 2020

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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Website

sbadvisors.cc/

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

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

Bottom of Form

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

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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Website

sbadvisors.cc/

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

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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sbadvisors.cc/

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

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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facebook.com/SmallBusinessAdvisors

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

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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facebook.com/SmallBusinessAdvisors

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

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

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/

Facebook

facebook.com/SmallBusinessAdvisors

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

– 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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Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

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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

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

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sbadvisors.cc/

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

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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sbadvisors.cc/

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EP 003 Ryan Paquin - Mortgage Consultant & Branch Manager at First Home Mortgage Jul 29, 2020

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

Guest Contact Info:

Twitter

@gofirsthome

Facebook

Facebook.com/gofirsthome

LinkedIn

linkedin.com/company/first-home-mortgage

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

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

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EP 002 Christopher Klug - Partner at Egoavil Klug Salas & Veloso PLLC Jul 22, 2020

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/

Connect with Gary:

Website

sbadvisors.cc/

Facebook

facebook.com/SmallBusinessAdvisors

LinkedIn

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

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EP 001 Fred Creutzer - Owner of Creutzer Financial Services, LLC Jul 15, 2020

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

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000 Trailer Jul 01, 2020

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.

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