Agency Intelligence

Are you a P&C agent interested in learning how to quote, bind, and service without the need for multiple logins? Find out more in this episode of Insurance Shoptalk with host Eric Stein and guest Phil Friedman from iBynd! iBynd is a comparative insurance rater that allows P&C agents to quote, bind, and service for property and casualty insurance carriers in Workers' Compensation—all without the need to login to multiple websites to bind coverage. In this episode, Phil shares more about iBynd's unique features and how it can help agents avoid the headache of multiple logins. To learn more about iBynd, please visit www.ibynd.com About Insurance Shoptalk Join host Eric Stein on a journey through the dynamic world of commercial property and casualty insurance. With over 25 years of experience in the industry, Eric brings a wealth of knowledge and insights to every episode. Insurance Shoptalk is your premier destination for in-depth discussions on the latest industry trends, technology impacts, interviews with leading experts, and much more. If you enjoyed this episode of Insurance Shoptalk, follow us on our social media pages to learn the latest on commercial insurance industry.

The insurance world is shifting fast. Jason sits down with Chris Paradiso to talk about carrier cutbacks, industry consolidation, and how AI is changing the game for independent agencies. Key Topics: Carrier pullbacks and the struggle for new appointments Why agents are being pushed toward clusters and aggregators The role of rate increases vs. true agency growth How COVID accelerated technology adoption in insurance The impact of AI and automation on agency operations Why convenience and speed matter more than price in personal lines Agents selling earlier in their careers and what's driving it The balance between efficiency, productivity, and quality of life Why customer expectations are all about speed and ease What Chris will be sharing live at IndieTech Reach out to: Chris Paradiso Jason Cass Visit Website: Paradiso Insurance Services IndieTech Agency Intelligence Produced by PodSquad.fm

Change is part of life—but that doesn't mean it's easy. Transitions—whether personal, professional, planned, or unexpected—can shake our sense of identity, rhythm, and control. Even positive change can feel disruptive when it alters what we've known or how we've operated. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris explore how leaders can navigate seasons of change without losing their footing. They discuss the emotional toll of transition, the importance of anchoring to your values, and the power of intentional structure when everything feels uncertain. Stability doesn't mean staying the same—it means moving forward with clarity. Episode Highlights: Matt lists common life transitions like marriage, divorce, and kids going to college, highlighting their emotional and financial effects. (02:55) Erik questions whether the success of transitions is more impacted by finances or relationships. (05:44) Matt notes how impulsive decisions during transitions can undermine thoughtful planning. (10:19) Erik emphasizes connecting transitions to long-term goals and personal values. (15:58) Erik recommends consulting entrepreneurs who've navigated similar changes for grounded insight. (19:12) Matt discusses the importance of mindset—acceptance, action steps, and reframing change as opportunity. (21:56) Matt introduces desire and timing as key mindsets when assessing transition readiness. (24:45) Matt encourages committing to decisions without fantasizing about alternatives. (28:52) Erik shares a personal business transition he considered, reflecting on the emotional, relational, and financial layers involved. (35:59) Erik concludes that leadership carries weight and surrounding oneself with trusted advisors is essential. (44:57) Key Quotes: “You can't control how people react to your decision or even to your communication. But you can control the information you share with them.” - Dr. Matt Morris, LMFT “If your decision was rooted in purpose, if it was rooted in what's most important to you and it's moving you towards that. Then move on to the decision.” - Erik Garcia, CFP®, ChFC®, BFA™ Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Asking for the signed BOR is part science and part art. And, timing is everything! You need to be careful to not ask too soon and also to not waiver on the fence of indecision by never getting around to popping the actual question. In this throwback episode of the Millionaire Insurance Producer podcast, host ⁠⁠Charles Specht⁠⁠ will teach you how to ask for the signed Broker of Record Letter at just the right time (not too soon and not too late) and how to ask with just the right words to get what you want. Why is this so important? Because ... you rarely get what you don't ask for! Also, PERMISSION PRODUCER SCHOOL launches on October 14th - 18th. Get registered before it is too late! Go to:⁠⁠ www.PermissionProducerSchool.com⁠⁠ Key Topics: Ask for the Broker of Record (BOR) letter at the right time to maximize success Help prospects recognize pain points with their current agent before asking for the BOR Position yourself as the solution with a clear 12-month service plan Asking too soon can be off-putting, but waiting too long risks being "friend-zoned" Present the BOR request after uncovering enough issues with the incumbent agent A well-timed BOR request can lead to a 30-40% success rate in the first meeting Consider adopting a "no-quote" policy for non-clients to streamline the process Reach out to  ⁠⁠Charles Specht⁠⁠ Visit: ⁠⁠Permission Producer School⁠⁠ ⁠⁠Permission Network⁠⁠ Produced by ⁠⁠PodSquad.fm⁠

In this new episode of Insurance Shoptalk, host Eric Stein chats with Dan Thompson, Chief Benefits Officer at Venture Employer Services, about how businesses can rethink their healthcare plans. Dan shares insights into modernizing employee benefits and reducing costs while improving the overall experience for employees. Don't miss this eye-opening conversation that could change the way you approach health insurance for your business!

You can have the best ideas in the world—but if you can't communicate them clearly, they won't move anyone. Great leadership requires great communication. Whether you're casting vision, navigating hard conversations, or just trying to be heard in a noisy world, how you say it matters just as much as what you say. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris explore what separates effective communicators from everyone else. From listening well to speaking with clarity and confidence, they share practical ways leaders can build influence and trust through the way they communicate. Because at the highest levels of leadership, words carry weight. Episode Highlights: Erik explains how communication is about influencing outcomes, not just exchanging words. (02:26) Matt discusses the leader's superpower of moving people forward through big ideas and trust. (03:10) Erik emphasizes that leadership communication happens through culture and clarity of purpose. (06:33) Matt shares the importance of transparency and vulnerability in building trust. (09:44) Erik discusses how storytelling creates timeless, powerful messages. (14:40) Matt believes empathy and curiosity are essential for meaningful connection and leadership. (19:21) Erik and Matt stress that knowing your audience is key to communicating effectively. (23:18) Matt explains why effective leaders listen deeply and ask better questions to foster connection. (27:15) Erik shares how communication starts with self-awareness and clarity of values. (29:02). Matt emphasizes that good communication in leadership means choosing the right time and tone. (31:38) Erik believes nonverbal cues and consistency play a critical role in building trust. (35:41). Matt discusses how leadership is not about dominating the room, but inviting others in. (38:10) Erik concludes that great communicators create safe environments where others feel heard. (40:52) Key Quotes: “ If we want to be successful, leading people, leading a business, leading a family. We have to continually grow in our ability to communicate.” - Erik Garcia, CFP®, ChFC®, BFA™ “ Leaders often have to communicate things that are not easy to communicate. ” - Dr. Matt Morris, LMFT “ Leaders in communicating also need to be good listeners…There's a balance between listening and speaking.” - Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Chip Piper & Phillip Piper of Powell & Meadows Insurance Agency, the agency featured on the August 2025 front cover of Rough Notes Magazine.  Key Topics: Embracing an agency culture that values people over hierarchy. Choosing to remain independent in a time of major M&A offers. Building strong client relationships that last for decades. Leveraging virtual assistants to support and scale agency operations. Bridging the gap between traditional service and modern client expectations. Niche specialization in rural markets as a growth strategy. Transitioning leadership while honoring legacy and preparing for the future. Reach out to: Chip Piper Phillip Piper Jason Cass Visit Website: Powell & Meadows Insurance Agency Rough Notes Magazine Produced by PodSquad.fm

Big news! Insurance Shoptalk has joined the AI Podcast Network! Smart conversations, sharp strategies - coming at you weekly. In this episode of Insurance Shoptalk, Eric Stein sits down with Alex Choroomi from Alkeme Insurance to discuss how digital leads and online quoting are transforming the small business insurance landscape. Alex shares his journey into the commercial insurance world, explaining how Alkeme Insurance is leveraging digital advertising and advanced quoting portals to bring in high-quality leads and close deals quickly. He dives deep into the challenges and successes of targeting industries like contractors, manufacturing, and transportation with tailored workers' comp and general liability coverage.

As a leader, decisions are part of your daily rhythm. But not all decisions are equal—and some carry more weight than others. Under pressure, even seasoned leaders can fall into traps: overthinking, reacting too quickly, or second-guessing themselves after the fact. Stress clouds clarity, and fatigue makes it harder to trust your gut or your process. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT break down the hidden costs of poor decision-making and offer tools to help you slow down, stay grounded, and make confident choices—even in high-stakes moments. Because the quality of your decisions shapes the direction of your leadership. Episode Highlights: Erik shares wisdom from a mentor on why stepping away from the office can enhance decision clarity. (01:21) Matt discusses how minimizing trivial decisions, like wardrobe choices, can preserve mental energy for high-stakes calls. (03:39) Erik explains how decision fatigue impacts professionals, citing studies on judges and doctors. (05:24) Matt outlines three major decision pitfalls: analysis paralysis, emotional bias, and tunnel vision. (06:34) Erik and Matt explore how leisure, nature, and rest aid complex decision-making clarity. (13:27) Erik breaks down Ben Franklin's pros/cons method and introduces an 80/20 rule for data sufficiency. (18:26) Matt explains the OODA Loop (Observe, Orient, Decide, Act) as a tactical decision-making framework. (27:00) Erik offers three confirmation techniques to ensure a decision is sound before acting. (30:00) Matt concludes that consistent, value-aligned frameworks beat perfectionism when making decisions. (37:03) Key Quotes: “ Since we have to make so many decisions, it's important to create time in our day to make decisions.” - Dr. Matt Morris, LMFT “Oftentimes we tend to be in a better state of mind to make hard decisions when we're not necessarily thinking about the very thing that we're trying to decide on” - Erik Garcia, CFP®, ChFC®, BFA™ “Every decision maker has to develop processes for making decisions over time.” -  Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

What happens when your agency nearly doubles in size overnight? For Joel Dunham, it meant rethinking everything—from team structure to tech stack. In this high-energy conversation with Jason Cass, Joel shares how he used the “Engine” manual to streamline operations, brought AI into every corner of his agency, and turned growing pains into long-term gains. If you're scaling, restructuring, or just trying to get a grip on AI, this episode delivers the blueprint. Key Takeaways Acquiring an agency means retraining both staff and clients The “Engine” manual sparked an agency-wide restructuring Joel empowered his team by giving everyone access to ChatGPT Team VAs are using AI to communicate more clearly and professionally with clients Weekly AI discussions drive innovation and team adoption AI helped save $30K on a challenging renewal using underwriter logic Job losses are about skill shifts, not doom, AI is simply a tool Want to level up your agency operations? Download the AI2030 Future-Ready Manual: agencyintelligencemanual.comRegistration opens on August 5th for IndieTech 2026: aiindietech.com with only 400 seats available. Reach out to: Joel Dunham Jason Cass Visit Website: Ovation Insurance Agency Intelligence Produced by PodSquad.fm

You get out what you put in. You win championships when you do the good work. You reap what you sow. These are the realities of what happens to people (and teams) who do the right things over and over again. Success comes to those who do the right work and stay consistent. Last time I checked, none of your insurance carriers pay any "consolation commission" when you come in 2nd place. It's all or nothing, baby! If you sow inactivity, you will reap the wind. If you sow inactivity for long periods of time, you'll reap the whirlwind. If you don't do the proper prospecting work, you won't schedule any new business appointments or win any signed BOR's or secure any deposit checks. The choice is yours. In this throwback episode, host Charles Specht reminds, motivates, and guides you on what and why you need to reconsider what you're doing in order to get the results you actually want. Key Topics: Why being busy doesn't mean being productive The real reason you're not getting appointments or BORs How second place in sales pays nothing literally The time audit every producer needs to do How the wrong daily tasks kill your commissions Why consistent prospecting is the only path to winning Imperfect action beats perfect inaction every time Reach out to  Charles Specht Visit: Permission Network Produced by PodSquad.fm

Ever stared down a crazy renewal quote and thought, “No way”? Jason Cass shares how he used AI to challenge a 26% premium hike—and got results. It's a behind-the-scenes look at how tech can give agents an edge, plus some exciting updates on events, tools, and what's coming next. Key Topics: Using ChatGPT to analyze multi-year loss runs and policy data How AI can level the playing field with carrier actuaries Constructing email and PDF rebuttals with AI assistance Turning a 26% renewal increase into a negotiating opportunity Why thoroughness and specificity matter in renewal disputes Building agency-wide AI systems via the Logic Routing Engine Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

You're getting things done—but are you getting the right things done? As a leader, your plate is always full. Tasks stack up, people need your input, and it's easy to fall into a pattern of constant motion with little traction. You're working hard, but still feel behind. You're productive, but not always effective. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT explore the common traps high performers fall into when managing their workload. From overfunctioning to poor delegation and unclear priorities, they offer tools to help you take back control of your time, your energy, and your focus. Because it's not about doing more. It's about doing what matters—on purpose. Episode Highlights: Matt explains why productivity is about managing finite time and variable energy, and stresses improving efficiency rather than perfection. (01:43) Erik shares a story about micromanagement and a pivotal moment that reshaped his view on letting go of control. (04:38) Erik introduces the concept of revenue-generating vs. non-revenue-generating tasks to better prioritize daily actions. (09:41) Matt walks through a detailed guide on developing effective delegation skills, including the 70% rule and clear expectation setting. (12:37) Erik emphasizes the role of written processes in reducing micromanagement and building scalable systems. (18:16) Matt encourages using project management tools wisely, while Erik cautions against tech overload and advises crafting a "technology policy statement". (24:57) Matt lists mental models like the Eisenhower Matrix, Pareto Principle, and "One Thing" method to clarify focus and reduce task overwhelm. (33:44) Erik suggests flipping the script by asking “What are three things I don't need to do?” to stay sharp and intentional. (48:00) Key Quotes: “ We have to acknowledge that time is finite. And it escapes us all the time. And so we have to be able to work smarter ” - Dr. Matt Morris, LMFT “ The more scale, the more repeatable something is, the more efficient and effective you can be.” - Erik Garcia, CFP®, ChFC®, BFA™ “ If you're going to delegate to people, they need to feel that you trust them and you need to feel that you, that they're going to get it done. ” - Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

For the first time ever, Jason Cass steps away from his usual off-the-cuff style to read from a script—and for good reason. He dives into a concept that hit close to home: comprehension debt. It's about the gap between what you know and what you can truly live and lead. If you've ever struggled to explain what you believe in, this one's for you. Key Topics: Understanding and overcoming comprehension debt in leadership Transforming technical manuals into powerful stories The evolution of agency operations with AI-driven frameworks Why internalizing knowledge matters more than memorizing it Building a community of AI champions through shared learning Turning stuck moments into strategic transformation Creating impact by teaching through your own evolving story Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

Have you ever been rejected when doing your prospecting? Of course you have. Probably thousands of times in your life so far. It comes with the territory. But putting in the work helps you find your people. Getting hundreds of "No's" helps you find the dozens who say, "Yes!"  In this throwback episode of the Millionaire Insurance Producer podcast host ⁠Charles Specht⁠ explains how to embrace the rejecting haters when prospecting in order to find the people who want to do business with you and say, "Yes!" Key Topics: Embracing rejection as part of the sales process Filtering prospects to find the right clients Prospecting is a numbers game; selling is about relationships Success stories of producers landing high-value accounts Choosing between quantity or quality in your book of business Persistence and strategic messaging lead to more wins Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Kelly Mora & Steve Mora of Heritage Insurance Agency, the agency featured on the July 2025 front cover of Rough Notes Magazine.  Key Topics: Building an ag-focused insurance agency from farm roots The “tailgate relationship” approach to client connection Balancing modern technology with personal service Cultivating agency culture across generations Leading through mentorship, education, and EOS principles Strategic growth through acquisitions and team development Empowering young professionals and honoring legacy wisdom Reach out to: Steve Mora Kelly Mora Jason Cass Visit Website: Heritage Insurance Agency Rough Notes Magazine Produced by PodSquad.fm

Want to future-proof your insurance agency? Jason, Shawn, and Stephen talk about the tech that matters, the tasks worth automating, and why relationships still lead the way. Key Topics: AI is a tool to enhance—not replace—relationships in insurance. The biggest mistake agents make is staying siloed instead of connecting with others. Agencies need to stop chasing what's changing and double down on what stays the same. Efficiency gains from AI can be redeployed into productivity, but that window won't last forever. Licensing staff numbers will shrink as bots and VEs take over repetitive tasks. ChatGPT isn't a shiny object—it's a foundational business tool if used right. Agency success will hinge on vision, implementation, and customer focus, not fear of new tech. Reach out to: Shawn Fitzgerald Stephen Turnbull Jason Cass Visit Website: Scratch Agency podcast Agency Intelligence Produced by PodSquad.fm

As a high achiever, your work never really 'stops'—but should it? You feel pressure from the outside and from deep inside that you NEED to find balance. But balance seems elusive. Just when you feel you've found it, it's gone. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris, LMFT break down the myth of work-life balance, the cost of blurred boundaries, and how to set limits that work without guilt or career damage. Episode Highlights: Erik introduces the episode by framing the common struggle of work-life balance and the guilt that often surrounds it. (01:31) Matt discusses how high achievers often experience work creeping into home life and the need to define realistic boundaries. (03:56) Erik explains why he believes work-life balance is a myth and argues for alignment of values instead of perfect balance. (06:45) Matt shares his definition of balance: enjoying both work and home life without one impeding the other. (10:07) Matt emphasizes that integration, not perfection, is the key to sustaining relationships and success. (13:51) Matt explains how unresolved work stress affects sleep, health, and emotional presence. (17:52) Erik highlights the role of self-awareness and coaching in identifying when work is intruding on personal life. (19:20) Matt shares the importance of start-stop rituals and sacred times, noting their role in maintaining boundaries. (24:09) Matt encourages leaders to model healthy habits and communicate boundaries to both teams and clients. (27:31) Matt explains how setting boundaries may trigger guilt and discomfort, but it's a normal part of growth. (36:04) Key Quotes: “ Success shouldn't come at the cost of your personal life.” - Dr. Matt Morris, LMFT “The goal isn't balance or like getting the scales to be weighed. It was more of an alignment of value and purpose.” - Erik Garcia, CFP®, ChFC®, BFA™ “Create sacred times for your family and for personal priorities. These are things that are, for the most part, 99% of the time, non-negotiable.” - Dr. Matt Morris, LMFT Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris, LMFT Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

There are THREE things that if insurance producers did, they would have far more success at prospecting and selling insurance. What are these THREE things you might ask? Well, that's what podcast host ⁠Charles Specht⁠ will teach you in today's throwback episode on building a $1,000,000 or more Book of Business. Key Topics: The power of micro-niching to attract and convert ideal clients Winning BORs with a 12-month service plan Lowering premiums through strategic pre-renewal planning Follow-up cadence is the key to consistent prospecting Keeping prospects engaged without overwhelming them Maximizing outreach efficiency for better results Closing more deals with a proven sales framework Reach out to  ⁠Charles Specht⁠ Visit: ⁠www.PermissionProducerSchool.com⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm

Jason gets real about why the old agency model isn't working—and what he's doing about it. From a free manual to a full book and audiobook, he's laying out a new path forward for agents ready to build smarter, not harder. Key Topics: Why agency life feels broken—and how we got here. The rise of “IndieTech” and agents building their own tools. AI as an accelerator, not a replacement, for human intelligence. Lessons learned from 70+ hours building a manual, book, and audio blueprint. The power of emotional clarity and shared leadership in agency innovation. Giving as a leadership philosophy, inspired by Andrew Carnegie. Why 2030 starts now: building toward the agency of the future. Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

Jason Cass brings back Landry Fields to talk about how AI is already changing the way agencies work. From building smarter workflows to thinking beyond ChatGPT, this one's all about what's next—and how to get there fast. Key Topics: Why Landry compares AI's future role in agencies to Iron Man's Jarvis. The rapid shift from automation to AI delegation—and what it means for staff roles. How Zapier's new AI agents hint at the rise of autonomous operations. The myth of security concerns and the real blockers to AI adoption. Why Google Gemini and Microsoft Copilot will soon be agency essentials. The path from generative AI to agentive AI—and why it's coming fast. How agencies can slash costs and outperform competitors using AI-driven models. Reach out to: Landry Fields Jason Cass Visit Website: Nova Insurance Agency Intelligence Produced by PodSquad.fm

You're successful, driven, and operating at a high level—but something still feels off. Maybe you're stuck, overwhelmed, or just not seeing the growth you want. You can use help to get to the next level. Hiring a coach could be the missing piece. In this episode, Erik Garcia, CFP®, ChFC®, BFA™, and Dr. Matt Morris break down the difference between coaching, therapy, and mentorship, and how to self-assess whether coaching is the right move. Episode Highlights: Matt recalls hiring a golf coach when he felt stuck and needed help improving his score. (01:55) Erik describes hiring a business coach after realizing there were skills he hadn't yet developed. (05:10) Matt emphasizes the value of hiring a coach when you don't know what you don't know (06:27) Erik explains his natural drive to grow and his desire to learn from people ahead of him. (08:50) The two discuss how coaching can help with specific roadblocks or feelings of dissatisfaction. (12:43) Erik outlines how hiring a coach provided objective, emotionally detached insight for better decision-making. (14:00) Matt breaks down the differences between coaching and therapy, clarifying their distinct purposes. (18:00) They compare coaching to financial advising and mentorship, identifying key overlaps and distinctions. (20:45) Erik reflects on the loneliness of entrepreneurship and how coaching offers perspective and clarity. (28:51) Matt and Erik encourage listeners to explore coaching when feeling stuck, off-balance, or in need of accountability. (30:34) Key Quotes: “Coaching is a strategic partnership between me, you, and someone else who just needs to tackle some roadblock in their work life.” - Dr. Matt Morris “Every individual should sit down with a financial planner at least once in their life.” - Erik Garcia, CFP®, ChFC®, BFA™ “You can be content without being complacent. You could be content and still be ambitious to want to do something more.” - Dr. Matt Morris Resources Mentioned: Cultivate Success Podcast Series Companion Handouts Dr. Matt Morris Matt Morris & Associates Erik Garcia, CFP®, ChFC®, BFA™ Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

Insurance agents who struggle at setting new business appointments with prospects, or winning signed Broker of Record Letters, or winning through a quoting process, are typically agents that don't have a Competitive Differentiation that makes the prospect say, "Wow!" In other words, if you don't have anything -- either a tangible service or a unique process -- that separates you from other competitors, your prospect will subconsciously toss you in the bucket of mediocrity and not do business with you. Why? Because, they already have an agent equal to or better than you, so they don't need you. In this throwback episode of the Millionaire Insurance Producer podcast, host ⁠Charles Specht⁠ will GIVE YOU EXAMPLES of differentiation services, both that are insurance-related and also Micro-Niche focused. Also, be sure to check out⁠ www.permissionproducerschool.com⁠ as the next cohort of students to go through our sales school will take place at the end of February. Get registered before all of the seats are gone! Key Topics: Why competitive differentiation is key to winning more business The power of micro-niching to stand out from competitors How to create a unique value proposition that prospects can't ignore Differentiation services that help secure more clients Proven strategies for negotiating lower premiums with underwriters Real-world examples of successful competitive differentiation tactics Overview of the Permission Producer School for mastering sales and prospecting Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm

This one's all about how AI is flipping the internet on its head. Jason walks through how the web works now, how AI reads between the lines, and what you can do to keep your site and content relevant as everything changes fast. Key Topics: Understanding how Google works today—and why that's about to change. How AI interprets intent, not just keywords, to deliver smarter answers. Why traditional SEO is losing ground to AI-first content discovery. Tactical tips to write AI-optimized content that actually works. Practical website upgrades every agent should implement right now. The rise of AI-first search and its impact on Gen Z and insurance markets. A vision of the near future: integrated AI systems managing your entire business life. Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

No doubt you were hired to sell insurance. But did your agency leadership make you FIRST prove that you can prospect to set appointments? I would suspect probably not. And, that's why so many insurance producers fail and don't make it -- or at least why they don't make enough money. They are good at relationship building and closing business, but they just can't set enough appointments. In this throwback episode of the Millionaire Insurance Producer podcast, host ⁠Charles Specht⁠ will talk about what you need to start saying in order to set more new business appointments with your prospects. After all, prospecting is a numbers-game but selling insurance is a relationship-game. Key Topics: The dual careers in insurance: prospecting versus selling insurance. Why poor prospecting skills often lead to failure and how to fix them. The importance of a defined process for setting appointments. Overcoming objections like gatekeepers and timing issues. Crafting simple, relatable messaging to connect with prospects. Balancing numbers in prospecting with relationships in selling insurance. Refining prospecting skills or outsourcing to avoid stagnation. Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Network⁠ Produced by ⁠PodSquad.fm

Why do we assume something has to be complicated to be valuable? That question sparked a spontaneous recording session after ⁠Erik Garcia⁠, CFP®, ChFC®, BFA™, walked into ⁠Xavier Angel⁠'s office to unload a bit of planner frustration. Joined by co-host Xavier Angel, CFP®, ChFC®, CLTC, the two dive into the false narrative that complexity equals effectiveness when it comes to financial planning. Spoiler: it doesn't. In this unscripted and honest conversation, Erik and Xavier explore why simplicity should always be the starting point in financial planning. They break down the difference between necessary complexity and unnecessary confusion—and how chasing sophistication too soon can sabotage progress. If you've ever felt overwhelmed by your financial plan (or someone tried to impress you with one), this episode is for you. Follow the show and share it with someone who needs a little more clarity and a lot less clutter. Episode Highlights: Erik explains the myth that complexity is better than simplicity in financial planning and why he disagrees. (01:19) Xavier explains how some software can be manipulated to justify a particular product sale through overwhelming documentation. (05:02) Erik emphasizes the hidden long-term costs and commitments associated with complex strategies. (07:00) Erik highlights the importance of considering future flexibility and whether the strategy can be explained simply. (10:36) Xavier stresses the value of collaboration and asking the right questions to ensure solutions match the actual problem. (11:41) Erik shares why understanding and simplicity matter, as they increase commitment and long-term success. (12:48) Xavier emphasizes the need to revisit financial strategies regularly as life circumstances change. (18:00) Erik explains how changing laws can render complex strategies obsolete or burdensome over time. (19:08) Erik encourages listeners to push for clarity and not be swayed by flashy but ineffective financial plans. (21:00) Key Quotes: “We like complexity, we like that kind of stuff. It feeds our ego, but man, simplicity generally wins out.” - Erik Garcia, CFP®, BFA “If you're being presented a financial plan, ask questions, push for understanding, don't settle for whatever the advisor or the planner is presenting, just because it sounds good, complex does not equal effective, don't let it feed your ego.” - Erik Garcia, CFP®, BFA “If you don't know what the problem is that you're trying to solve, it's hard to come up with a solution that's going to fit that specific one.” - Xavier Angel, CFP®, ChFC, CLTC Resources Mentioned: ⁠Erik Garcia, CFP®, BFA⁠ ⁠Xavier Angel, CFP®, ChFC, CLTC⁠ ⁠Plan Wisely Wealth Advisors⁠

Fresh off the Insurance Agent Summit, Jason Cass shares a quick take on what growing agencies really need to hear. It's not just about writing more—it's about fixing what's slowing you down. Let's talk efficiency, automation, and the future of your agency. Key Topics: Why increasing efficiency is the only path to sustainable productivity The Swing Efficiency Score (SES): what it is and how it transforms agency operations When and why to bring on VEs or automation instead of more staff The difference between doing more with less vs. doing less to get more Redefining team metrics: revenue per human layer vs. headcount The mindset shift from tasks and departments to job types and roles Introduction to the AI 2030 Manual and what it means for the future of insurance agencies Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Monica Adwani, CEO of Breezy Seguros, the agency featured on the June 2025 front cover of Rough Notes Magazine.  Key Topics: Leading agency transformation through culture and accountability. Why understanding minority consumer behavior is key to sustainable growth. Creating systems that meet customers where they are—especially in multicultural markets. Firing fast: the bold leadership decision that sparked momentum. Building a service-driven agency by integrating tech and customer behavior. Using AI to scale efficiently without sacrificing human connection. Tapping into the Hispanic market—the fastest-growing wealth demographic in the U.S. Reach out to: Monica Adwani Jason Cass Visit Website: Breezy Seguros Rough Notes Magazine Produced by PodSquad.fm

Jason interviews Matthew Vega-Sanz, CEO of GAIL, to break down how GAIL went from startup speed to enterprise scale. GAIL GPT is here—built for insurance, trained in the industry, and ready to take work off your plate. From smarter workflows to real-time insights, it's everything agents didn't know they needed. Key Topics: Rebuilding GAIL to handle explosive growth: from 3,000 to 150,000 calls per hour. Introducing GAIL GPT: an insurance-specific alternative to ChatGPT. AI compliance and legal accuracy: citing statutes, correcting errors, and risk mitigation. Custom personas: AI as a compliance officer, claims adjuster, or finance VP. Real-time insights from calls and predictive integration with raters and AMS. Redefining agency productivity: doing more with fewer people, without sacrificing service. The future of insurance AI: automation, vertical integration, and domain-specific models. Reach out to: Matthew Vega-Sanz Jason Cass Visit Website: GAIL Agency Intelligence Produced by PodSquad.fm

In this throwback episode, originally aired on January 4, 2023, Josh Gurley, Insurance Agency Owner at HM Advisors, redefines what it means to be an advisor. Josh explains how truly understanding your clients' risks and proactively servicing them sets top-tier advisors apart, turning your sales process into a relationship-building tool for long-term success.Episode Links:Ellerbrock-Norris: https://www.ellerbrock-norris.com/Ellerbrock-Norris Wealth Strategies: https://www.ellerbrock-norris-ws.com/HM Advisors: https://www.hm-advisors.com/LAUNCH: https://getlaunch.io/ LinkedIn:Elliot BassettRyan BrottJosh Gurley This episode is sponsored by LAUNCH. In the world of insurance, independent agencies fight to survive. Brokers are forced to compete by blocking markets and bid for the lowest price. Worse yet, the industry is fragmented. Agencies find it difficult to collaborate across division on the same client. Millions of dollars in potential revenue are left on the table. And agency owners lie awake at night wondering how to scale. THAT'S WHERE LAUNCH COMES IN. Access the full-revenue potential in your existing book of business. See opportunities other agencies can't. Offer more value. Gain a competitive advantage in a commoditized market. Visit https://getlaunch.io/ to learn more.

Forget business as usual. Jason Cass lays out why now's the time for agencies to rethink their models, leverage tech, and get serious about efficiency. Big shifts are coming, and this episode sets the tone. Key Topics: Why agencies must prioritize transformation over simple change Understanding the real versus artificial intelligence in the insurance industry. Breaking down the future labor model: licensed staff, VEs, managed bots, and autonomous bots How AI is closing the gap between small agencies and enterprise-level capabilities The upcoming "Agency Intelligence Efficiency Score" and what it means for your agency Predictions on universal income and how automation will impact societal structure The battle for agents' time and money — and how to win it by 2030 Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

In this episode of the Stuff About Money They Didn't Teach You in School podcast, host ⁠⁠Erik Garcia⁠⁠, CFP®, ChFC®, BFA™, shares a practical financial strategy he personally uses—what he calls practicing your future payment. Whether you're planning to buy a home, send a child to college, or take on any significant financial commitment, Erik walks through how simulating that future expense now can reduce stress, build confidence, and help you make smarter money decisions. Plus, he dives into the psychology behind this tactic, including why naming a savings account after your future goal can be surprisingly powerful. Erik outlines three reasons to practice your future payment and three key benefits that come from doing it, including building a custom emergency fund and creating margin before you need it. Backed by behavioral research and real-world application, this episode offers a clear, actionable approach to preparing for life's financial milestones. If this helps you, share it with someone else who's facing a big financial decision, and don't forget to follow the show for more thoughtful money strategies. Episode Highlights: Erik explains the idea of planning for predictable future expenses by simulating those costs in advance. (01:00) Erik outlines three reasons to practice future payments: stress testing your budget, building confidence, and evaluating the decision's wisdom. (01:43) Erik shares the mechanics of how to implement the strategy using a named savings account and automatic transfers. (04:00) Erik provides examples of future costs like buying a house, a car, or college tuition, and explains how to simulate those payments. (04:48) Erik highlights the benefits: building a savings buffer, easing financial transitions, and creating financial margin. (06:27) Erik references research on “episodic future thinking” and its impact on behavior and reduced money-related stress. (09:00) Key Quotes: “I'm speaking as a fellow sojourner with you, someone who is actively trying to manage their finances better.” - Erik Garcia, CFP®, BFA “You're building in some space financially that if things go wrong, you've got money set aside in savings.” - Erik Garcia, CFP®, BFA Resources Mentioned: ⁠⁠Erik Garcia, CFP®, BFA⁠⁠ ⁠⁠Xavier Angel, CFP®, ChFC, CLTC⁠⁠ ⁠⁠Plan Wisely Wealth Advisors⁠⁠

Check out:⁠ https://permissiongroup.com/permission-producer-school/⁠ Imagine setting twice as many new business appointments with your prospects, tripling your win percentage, writing more accounts, writing larger-revenue generating accounts, and winning most (all?) of these new clients by signed Broker of Record Letter, rather than going through a normal quoting process. Sound to good to be true? Well, it's not. It's exactly what I teach and train my Producer clients to do. And, in this throwback podcast interview, host ⁠Charles Specht⁠ will tell you what the one thing is that you need to do FIRST in order to make all of this come true. Key Topics: The importance of choosing a micro-niche  How a focused niche helps create effective scripts, marketing, and branding Aligning your niche with your carriers' preferred markets for better results Examples of agents succeeding by specializing in unique industries Why focusing on fewer, high-value clients is more effective than spreading too thin How micro-niching increases trust and helps you secure more broker of record letters Avoiding the trap of dabbling by fully committing to a niche for greater success Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm

In this throwback episode, originally aired on July 17, 2024, Brandon Schuh of Christensen Group challenges the traditional insurance model by asking: what if you ran your agency like a law firm? Brandon unpacks how positioning yourself as a trusted advisor—not a quote machine—can transform client relationships, streamline your sales process, and unlock long-term growth. Episode Links: Ellerbrock-Norris: https://www.ellerbrock-norris.com Ellerbrock-Norris Wealth Strategies: https://www.ellerbrock-norris-ws.com Christensen Group Insurance: https://www.christensengroup.com LAUNCH: https://getlaunch.io/ Elliot Bassett: https://www.linkedin.com/in/elliot-bassett-aip-cpcu-84499515 Ryan Brott: https://www.linkedin.com/in/ryan-brott-cepa%C2%AE-77a278a Brandon Schuh: https://www.linkedin.com/in/brandon-stephen-schuh This episode is sponsored by LAUNCH. In the world of insurance, independent agencies fight to survive. Brokers are forced to compete by blocking markets and bid for the lowest price. Worse yet, the industry is fragmented. Agencies find it difficult to collaborate across division on the same client. Millions of dollars in potential revenue are left on the table. And agency owners lie awake at night wondering how to scale. THAT'S WHERE LAUNCH COMES IN. Access the full-revenue potential in your existing book of business. See opportunities other agencies can't. Offer more value. Gain a competitive advantage in a commoditized market. Visit https://getlaunch.io/ to learn more.

The future of insurance agencies isn't about change—it's about transformation. Jason Cass breaks down the AI-driven blueprint for 2030, redefining leadership, performance, and what it means to stay competitive. Key Topics: What the agency of 2030 will look like Redefining productivity with Revenue Per Human Layer Why transformation beats change in agency growth The Law of the Lid: Leadership Limits Effectiveness Scaling with Virtual Intelligence and smart hiring Agency consolidation and generational shifts Early access to the AI adoption manual Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

Asking for the signed BOR is part science and part art. And, timing is everything! You need to be careful to not ask too soon and also to not waiver on the fence of indecision by never getting around to popping the actual question. In this throwback episode of the Millionaire Insurance Producer podcast, host ⁠Charles Specht⁠ will teach you how to ask for the signed Broker of Record Letter at just the right time (not too soon and not too late) and how to ask with just the right words to get what you want. Why is this so important? Because ... you rarely get what you don't ask for! Also, PERMISSION PRODUCER SCHOOL launches on October 14th - 18th. Get registered before it is too late! Go to:⁠ www.PermissionProducerSchool.com⁠ Key Topics: Ask for the Broker of Record (BOR) letter at the right time to maximize success Help prospects recognize pain points with their current agent before asking for the BOR Position yourself as the solution with a clear 12-month service plan Asking too soon can be off-putting, but waiting too long risks being "friend-zoned" Present the BOR request after uncovering enough issues with the incumbent agent A well-timed BOR request can lead to a 30-40% success rate in the first meeting Consider adopting a "no-quote" policy for non-clients to streamline the process Reach out to  ⁠Charles Specht⁠ Visit: ⁠Permission Producer School⁠ ⁠Permission Network⁠ Produced by ⁠PodSquad.fm

David Sliman, CEO of Sales Proformance Consulting, is back! We dive deep into the core principles that drive a highly effective sales presentation. David has worked with hundreds of sales team to teach them how to set themselves apart. He covers: setting the agenda up front, separating a sales presentation from a sales proposal, thinking of objections as building blocks (not road blocks), and avoiding the dreaded "email it to me" request at all costs. Enjoy the episode! Episode Links: Ellerbrock-Norris: https://www.ellerbrock-norris.com Ellerbrock-Norris Wealth Strategies: https://www.ellerbrock-norris-ws.com Sales Proformance Consulting: https://www.salesproformance.com LAUNCH: https://getlaunch.io/ Elliot Bassett: https://www.linkedin.com/in/elliot-bassett-aip-cpcu-84499515 David Sliman: https://www.linkedin.com/in/davidslimansalespro This episode is sponsored by LAUNCH. In the world of insurance, independent agencies fight to survive. Brokers are forced to compete by blocking markets and bid for the lowest price. Worse yet, the industry is fragmented. Agencies find it difficult to collaborate across division on the same client. Millions of dollars in potential revenue are left on the table. And agency owners lie awake at night wondering how to scale. THAT'S WHERE LAUNCH COMES IN. Access the full-revenue potential in your existing book of business. See opportunities other agencies can't. Offer more value. Gain a competitive advantage in a commoditized market. Visit https://getlaunch.io/ to learn more.

In this episode of Agency Intelligence podcast, host Jason Cass pulls back the curtain on how he structures his day and week for maximum productivity. From 4 AM mornings to tight calendar control, he shares the real-life routines, delegation strategies, and mindset that keep his multiple ventures running smoothly. Key Topics: Delegating like a CEO: Jason's approach to hiring smart and letting go Building an executive team to scale across multiple ventures Why Parkinson's Law is central to Jason's calendar and productivity Secrets to starting the day at 4 AM without burning out How Jason blocks his week for strategic deep work and leadership Leveraging AI, automation, and executive assistants to reclaim time The compound effect of preparing the night before Reach out to: Jason Cass Visit Website: Agency Intelligence Produced by PodSquad.fm

In this episode of the Stuff About Money podcast, Erik Garcia, CFP®, welcomes back longtime guest and college funding expert John Hupalo from MyCollegeCorner.com. As Erik navigates the emotional rollercoaster of planning for his own child's college costs, he brings listeners along for a candid conversation about the realities of paying for school when savings and cash flow aren't enough. From the tension between dreams and debt to that Rodrigue Blue Dog artwork hanging behind John in New York, this episode blends practical advice with real-world emotion. Erik and John dive deep into the differences between federal Parent PLUS loans and private student loans—unpacking the risks, benefits, repayment structures, and emotional consequences of each. They also share smart strategies for comparing options, planning payments, and managing expectations. Whether you're a parent feeling overwhelmed or a financial professional advising clients, this conversation is packed with insight. If you enjoy the episode, follow the show and share it with someone navigating the same road. Episode Highlights: Erik opens up about the emotional and financial challenges of navigating college costs as both a financial advisor and a parent. (01:19) John explains the three ways families can pay for college: saving, cash-flowing, or borrowing—emphasizing this discussion focuses on borrowing options beyond federal student loans. (02:28) Erik and John discuss the potential dangers of Parent PLUS loans and explain why parents must understand the loan structure and long-term implications before committing. (09:30) John shares how private loans differ from Parent PLUS loans, including credit-based underwriting, variable rates, and the absence of origination fees. (17:01) Erik encourages “practicing the payment” as a proactive strategy—making mock loan payments in advance to test affordability before borrowing. (36:29) John suggests reducing market risk by shifting 529 funds to conservative options in advance of college payments. (38:01) They stress the value of planning for contingencies, including hidden risks like a student withdrawing mid-semester, and mention TuitionGuard as a resource to explore. (39:44) Key Quotes: “You just got to really be careful how far you're willing to reach for your, your students' dreams.” - John Hupalo “This is the time to be realistic and throughout the optimism, throughout the pessimism, and get the family together and talk about what can actually happen.” - John Hupalo Resources Mentioned: John Hupalo Invite Education MyCollegeCorner.com Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

In this episode of Front Cover: A Rough Notes Podcast on the Agency Intelligence Podcast Network, Jason Cass sits down with Doris "Dee" Zampella,  owner and principal of EAB Group, the agency featured on the May 2025 front cover of Rough Notes Magazine.  Key Topics: A woman-founded agency growing across three generations Transitioning from personal to commercial and nonprofit focus Organic growth through referrals and relationships How mission-driven marketing elevated their brand Empowering women and embracing hybrid work Firing clients who don't align with core values Emotional intelligence and female leadership in insurance Reach out to: Doris "Dee" Zampella Jason Cass Visit Website: EAB Group Rough Notes Magazine Produced by PodSquad.fm

In this throwback episode, originally aired on September 1, 2022, Andrew Atkinson, Business Insurance Professional from INSURICA Southwest, joined the show to discuss the best ways to provide value to your clients, prospects, and your team. Andrew brings a thorough and practical understanding of commercial insurance, with a specialization in Workers' Compensation. He works with clients to help them improve their Experience Modifier (E-Mod) rating, lower their total cost of risk, and win contracts at the bidding table. Becoming a successful advisor is not easy, but Andrew has some tips to make things clear to those who need some fresh takes. As a thought leader, Andrew has spoken at the Arizona Construction Industry Annual Conference, the One Hundred Year Birthday of Workers' Compensation Summit in Wausau, Wisconsin, and eleven different trade associations in four different states. This episode features special guest host Ben Woods.  Episode Links: Ellerbrock-Norris: https://www.ellerbrock-norris.com/ Ellerbrock-Norris Wealth Strategies: https://www.ellerbrock-norris-ws.com/ INSURICA: https://insurica.com/ LAUNCH: https://getlaunch.io/ LinkedIn: Elliot Bassett Ryan Brott Andrew Atkinson

In this episode of the Scratch Agency podcast, hosts Stephen Turnbull and Shawn Fitzgerald welcome James Monreale, founder of SoundRisk LLC. The conversation covers James's journey in the insurance industry, the importance of building strong relationships with wholesalers, and the niche of builders risk and terrorism insurance. They discuss the significance of good submissions and explore the complexities of terrorism coverage in insurance. The episode emphasizes the value of communication and collaboration in the insurance field, particularly for scratch agents.

In this executive session of Agency Intelligence, host Jason Cass sits down with Ryan Hanley, CMO of Linqura, for a bold conversation on evolving as a leader, letting go of ego, and how AI is transforming the insurance game.  Ryan also opens up about parenting, culture, and what it really takes to grow. Key Topics: Navigating the seasons of leadership and evolving roles as businesses grow. Why shedding your ego is essential to leveling up as an entrepreneur. How diverse career experiences create unmatched perspective and adaptability. The three human roles that remain in an AI-driven insurance future. Linqura's mission is to make every agent a specialist with real-time insights and data. How parenting challenges mirror leadership—building resilience through real talk. What true culture building looks like (and what it doesn't). Reach out to:  Ryan Hanley Jason Cass Visit Website: Linqura Agency Intelligence Produced by PodSquad.fm

Let's face it… tech is taking over! But sometimes, nothing beats the power of a face-to-face meeting. In this throwback episode, originally aired on February 8, 2023, we sit down with Michael Bodack to explore how personal connection can be the ultimate sales differentiator. Michael breaks down his proven approach to client relationships and reveals strategies to stay competitive in a digital-first world. Episode Links: Ellerbrock-Norris: https://www.ellerbrock-norris.com/ Ellerbrock-Norris Wealth Strategies: https://www.ellerbrock-norris-ws.com/ LAUNCH: https://getlaunch.io/ Elliot Bassett Ryan Brott Michael Bodack This episode is sponsored by LAUNCH. In the world of insurance, independent agencies fight to survive. Brokers are forced to compete by blocking markets and bid for the lowest price. Worse yet, the industry is fragmented. Agencies find it difficult to collaborate across division on the same client. Millions of dollars in potential revenue are left on the table. And agency owners lie awake at night wondering how to scale. THAT'S WHERE LAUNCH COMES IN. Access the full-revenue potential in your existing book of business. See opportunities other agencies can't. Offer more value. Gain a competitive advantage in a commoditized market. Visit https://getlaunch.io/ to learn more.

We're excited to welcome The Scratch Agency Podcast to the Agency Intelligence Podcast Network! Hosted by Stephen Turnbull and Shawn Fitzgerald, this show follows their real-time journey as scratch agency owners - sharing wins, challenges, and the mindset it takes to dig deep, believe in yourself, and own your future. In Episode 114, Shawn goes solo to share exciting updates and insights for agency owners and entrepreneurs. He dives into the growing impact of virtual employees, announces the upcoming Scratch Agency Meetup, and gives a behind-the-scenes look at the elevated video production planned for the event. It's a value-packed episode you won't want to miss!

In this episode of Agency Intelligence podcast, host Jason Cass interviews Landry Fields, Agency Owner at Nova Insurance about the rise of agentic AI, how it's different from bots, and what it means for staffing, tech, and the future of independent agencies. Key Topics: What sets AI agents apart from basic automation tools How a new MCP-based internet could power future automation Agentic AI is here and doesn't need human supervision Licensed roles may be the first to disappear in leaner agencies Every agency will need a CTO to manage tech and automation Automation can cut task costs from $7.50 to just 17 cents Agencies that adapt quickly will outperform larger competitors Reach out to: Landry Fields Jason Cass Visit Website: Nova Insurance Agency Intelligence Produced by PodSquad.fm

In this episode of the Stuff About Money They Didn't Teach You in School podcast, certified financial planner Erik Garcia speaks directly to those regularly investing in a 401(k), 403(b), or IRA. With the market constantly shifting, it can be tempting to pause contributions and wait for “better” times. But that move might cost you more than you think. Erik explains why dollar cost averaging—investing consistently regardless of market conditions—is actually your retirement plan's greatest superpower. You'll hear about three powerful benefits of dollar cost averaging, along with two real challenges that make it tough to stick with. This episode is all about helping you stay confident and committed to your long-term plan—even when the headlines say otherwise. If you're wondering whether to keep investing through market noise, this one's for you. Episode Highlights: Erik explains the concept of dollar cost averaging and why it's a hidden 401(k) superpower. (01:01) Erik outlines how volatility can be an opportunity for 401(k) investors through consistent investing. (03:21) Erik shares how dollar cost averaging helps remove emotional decision-making from investing. (04:28) Erik emphasizes the role of automated discipline in building long-term wealth. Erik cautions that dollar cost averaging doesn't remove investment risk and long-term perspective is key. (06:23) Erik warns about the emotional challenge of staying invested during market drops. (07:57) Erik encourages investors to keep contributing, and possibly increase contributions, during down markets. (09:00) Key Quotes: “ The third benefit of dollar cost averaging is you are building a very important habit that's gonna help you build wealth, and that is discipline.” - Erik Garcia, CFP®, BFA “ investing in a down market is actually a very good long-term investment strategy, so stay invested. Keep investing. Use your superpower, your dollar cost averaging superpower to build your wealth in your 401k.” - Erik Garcia, CFP®, BFA Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors

MIND SET. You're either strong in the area of confidence and mindset, or you're a weak little puppy. Which one is it? Insurance agents who lack confidence tend to write fewer new accounts each year, they write smaller accounts, and they don't win many (any?) signed Broker of Record Letters. The opposite is also 100% true: Insurance producers who are confident and in the right frame of mind set more appointments and write more accounts, they write larger revenue accounts, and they win significantly more clients through signed Broker of Record Letter. In this throwback episode of the Millionaire Insurance Producer podcast, host Charles Specht will not only tell you why MINDSET is so important for an insurance producer but he'll tell you the basic things you need to do -- today! -- in order to start dominating and winning! ---------- PS: Remember, the "PERMISSION PRODUCER SCHOOL" is launching on October 14, 2024. It will give you the blueprint for sales success which, in turn, gives you a strong mindset in order to do all of the above. Get registered right away as the price will be increasing very soon! Learn more and get registered at: www.PermissionProducerSchool.com Key Topics: Confidence comes from having a personalized plan and a clear value proposition Struggles with mindset are common when producers don't differentiate their offerings Focusing on a specific micro-niche builds confidence and drives better results Generalists often struggle; specialization helps producers stand out and win business The Permission Producer School provides vital sales training to improve prospecting and scripting A well-defined process allows producers to confidently ask for and secure business Reach out to  Charles Specht Visit: Permission Producer School Permission Network Produced by PodSquad.fm

You get out what you put in. You win championships when you do the good work. You reap what you sow. These are the realities of what happens to people (and teams) who do the right things over and over again. Success comes to those who do the right work and stay consistent. Last time I checked, none of your insurance carriers pay any "consolation commission" when you come in 2nd place. It's all or nothing, baby! If you sow inactivity, you will reap the wind. If you sow inactivity for long periods of time, you'll reap the whirlwind. If you don't do the proper prospecting work, you won't schedule any new business appointments or win any signed BOR's or secure any deposit checks. The choice is yours. In this podcast episode, host Charles Specht reminds, motivates, and guides you on what and why you need to reconsider what you're doing in order to get the results you actually want. Key Topics: Why being busy doesn't mean being productive The real reason you're not getting appointments or BORs How second place in sales pays nothing literally The time audit every producer needs to do How the wrong daily tasks kill your commissions Why consistent prospecting is the only path to winning Imperfect action beats perfect inaction every time Reach out to  Charles Specht Visit: Permission Network Produced by PodSquad.fm

Cold Calling is never much fun, but it can become your pot of gold at the end of a rainbow if you can figure out the proper Script and get your delivery of the Script down pat with both enthusiasm and confidence. Most insurance agents have a lame, tired, and worn-out Script that makes them sound like every other agent out there. Don't be that agent! In this throwback episode of the Millionaire Insurance Producer podcast, host Charles Specht will give you actual examples of what your C3 (Cold Call Carrot) and Script should be in order to be more successful when cold calling. Then, Charles will walk you through how to overcome the two main Objections you will hear: 1) We're happy with our agent, and 2) Now is not a good time. These will help you set more new business appointments with less time prospecting. PS: The "Permission Producer School" is getting ready to launch on October 14th, 2024. Are you signed up yet? Charles Specht created (and will teach) the Permission Producer School as an intensive 3-week training program to help new(er) Producers write their first $100,000 of commission in their first 6-9 months, and then scale up to $250,000 in commission in their first 15-18 months in the industry. To learn more about "PERMISSION PRODUCER SCHOOL" visit: www.PermissionProducerSchool.com Key Topics: Introduction to cold calling and its crucial role in insurance sales Overview of the Permission Producer School, focusing on sales techniques for producers Crafting the right script and delivery; introducing the "Cold Call Carrot (C3)." Using "price plus something" in your script to meet prospects' needs Overcoming objections with ethical dilemmas to secure meetings Examples of industry-specific scripts and tailoring messages for micro-niches Encouragement to adopt a fresh approach for more effective prospecting Reach out to  Charles Specht Visit: Permission Producer School Permission Network Produced by PodSquad.fm

In this episode of Stuff About Money They Didn't Teach You in School, I (Erik Garcia, CFP®, ChFC®, BFA™) take a solo journey back to 2019—pre-COVID, pre-pandemic stimulus, pre-whatever the heck this current economy is. It's wild to think how much has changed… and how much has stayed the same. This episode opens with a confusing encounter with a Polish website and a German iPhone—setting the stage for how disorienting the financial world can feel when recession fears start swirling. And lately? With inflation still lingering, market volatility, and general unease—it's giving déjà vu all over again. Though recorded years ago, the financial wisdom in this episode remains rock solid. I unpack five economic realities that hold true no matter the cycle, explain key market terms you're probably hearing more of, and walk through a 4-step plan that works at any income level. Whether you're nervous about what's next or just want to make smarter money moves, this episode is a reminder that fear doesn't have to drive your decisions—clarity and preparation can. Be sure to follow the show and share it with someone who could use a little financial calm in the chaos. Resources Mentioned: Erik Garcia, CFP®, BFA Xavier Angel, CFP®, ChFC, CLTC Plan Wisely Wealth Advisors