Executive Decisions by SYM Financial Advisors

In this episode of the SYM Financial Podcast, we dive into how retirement planning has evolved, especially with the rise of automation like automatic enrollment. We see how it's made saving easier and boosted participation—people are saving more without even having to think too hard about it. But we also talk about how nothing replaces a real conversation—about your goals, risks, and what's best for your personal situation. We touch on recent changes from the Secure Act 2.0, which might impact how you contribute, especially if you're over 50 or planning to use Roth options. It's a reminder to stay informed and work with a financial advisor to understand your choices. Plus, we explore different investment options, like target date funds and risk-based portfolios, stressing that everyone's different. There's no one-size-fits-all, and honest conversations help you make smarter decisions, so you feel confident about your future. It's all about making your retirement goals achievable and feeling good about the path you're on. About our hosts, Tom Ackmnn and Nick Gray: Tom Ackmann and Nick Gray bring a combined six decades of retirement plan experience to their advisory roles. As Principal and Senior Retirement Plan Advisor, Tom leverages over 30 years of experience in recordkeeping, compliance, plan design, and participant education to deliver comprehensive solutions that balance the needs of sponsors and participants alike. Nick, a Retirement Plan Advisor with nearly 30 years in the industry, is known for his relationship-driven approach, offering thoughtful service to plan sponsors and empowering employees with retirement planning education. Together, they provide guidance to help businesses, and their teams build secure financial futures. Connect with Tom Ackmann Connect with Nick Gray   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM, including our investment strategies, fees and objectives, can be found in our ADV Part 2 or Form CRS, which is available upon request.

In today's episode of Executive Decisions, host Sarah Delahanty speaks with Todd and Cindy Shinabarger about their inspiring journey of transitioning from demanding careers to what they call “Life 2.0”—a purposeful and fulfilling phase of life dedicated to service and impact. Todd and Cindy share their experiences of stepping into volunteer roles with Operation Mobilization, where their skills in IT and science transformed projects and systems, helping the organization achieve excellence. They reflect on the importance of being intentional, crafting a plan, and seeking purpose beyond oneself. The couple emphasizes the challenges and rewards of creating structure after leaving the corporate treadmill, the significance of giving back, and the value of perseverance when exploring new roles. Their story encourages listeners to approach life transitions with intention, passion, and a mindset focused on serving others, offering a hopeful roadmap for those considering their own “Life 2.0.” About our guests, Todd and Cindy Shinabarger: Todd Shinabarger has nearly 40 years of senior information technology management experience in various industries - including manufacturing, automotive, construction, retail, fashion and non-profit - where he led numerous multi-million dollar IT capital projects. After more than 3 decades in the corporate environment, Todd “retired” in 2015, assuming the CIO role at OM USA. Since joining, he's helped to transform and modernize the IT ecosystem, replacing nearly every IT application and process. Cindy Shinabarger grew up in Upland, Indiana. She attended Taylor University, majoring in physics systems, and discovered her passion for manufacturing during an internship at AVX Ceramic. Throughout her career in electronic manufacturing—spanning roles in failure analysis and wafer fabrication—Cindy balanced raising children while navigating a male-dominated industry. Known for her persistence and courage, she earned respect by “earning the right to be heard” and mentoring others to observe, adapt, and thrive in challenging professional environments. In Cindy's “retirement” or Life 2.0 as she and Todd call it, she now serves at OM USA, a global non-profit by using her scientific and failure analysis background to help grow the organization and launch sustainable projects. Todd and Cindy especially enjoy time with their 5 grandchildren, ages 3-12, and always make time for their annual Cousin Camp with all 5 grandkids (and no parents!). Connect with Todd Shinabarger: Todd's LinkedIn About SYM Financial and the Executive Decisions Podcast: Executive Decisions is a podcast designed for current and aspiring business leaders, offering an in-depth look at the evolving nature of executive roles. Hosted by SYM Financial Advisors Principal and Senior Financial Advisor Sarah Delahanty, the show delves into the personal and professional journeys of its guests, exploring the challenges they've overcome and the learning experiences that have shaped their paths to success. The podcast provides insights into how executives manage the increasing complexity of both their professional and personal lives. Featuring a range of guests from diverse industries, each episode aims to enlighten listeners on the continuous state of learning and adaptation necessary for effective leadership. Whether discussing career progression, leadership strategies, or personal growth, Executive Decisions is a valuable resource for anyone interested in the multifaceted world of executive leadership. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In today's episode of the Owner's Corner Podcast, host Seth Whicker is joined by Scott Holmes, founder of ABI Attachments and Managing Partner at PivotPoint Company. Scott shares his journey from starting ABI Attachments to his current role in merger and acquisition work with PivotPoint. He discusses the importance of having a strong team, the challenges business owners face in preparing for sale, and the value of investing in infrastructure and strategic partnerships. Throughout the episode, Scott emphasizes the significance of being prepared, taking risks, and surrounding oneself with knowledgeable people to ensure business success and personal fulfillment. About our guest, Scott Holmes: Scott A. Holmes is an innovative entrepreneur and accomplished executive, known for founding ABI Attachments and serving as the Managing Director of PivotPoint Company. With a keen eye for identifying market needs and a passion for engineering, Holmes has successfully grown ABI Attachments into a leading manufacturer of quality attachments for tractors and ATVs, catering to agricultural, equestrian, and landscape industries. His strategic vision and leadership at PivotPoint Company further showcase his ability to drive business growth and foster innovation. Holmes' dedication to excellence and commitment to customer satisfaction have solidified his reputation as a dynamic force in the industry. Connect with Scott Holmes: Email Linkedin About SYM Financial and the Owner's Corner Podcast: Welcome to the Owner's Corner Podcast hosted by Principal and Senior Financial Advisor Seth Whicker from SYM Financial Advisors. In this show, we dive into the dynamic world of business ownership. Whether you're just starting out or are deep into your entrepreneurial journey, this podcast is designed to be your go-to source for insights and inspiration. Each episode, Seth connects with business owners and industry experts, bringing you their stories of triumphs, the lessons they've learned from their mistakes, and their strategies for success. We'll discuss everything from the initial stages of launching a business to the intricate details of exit planning. Whether it's succession, retirement preparation, or exploring buy-sell agreements and growth tactics, our goal is to spark your imagination about what's possible — for you, your team, and your family. Remember, while I share my insights and those of my guests, these are our personal opinions and not reflective of SYM Financial Advisors. This podcast is here to provide general information, not specific financial advice. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode of the Owner's Corner podcast hosted by Seth Whicker, special guest Edward Hayes discusses the intricacies of the sign business and his journey as a business owner. The conversation delves into the importance of understanding client needs and maintaining a consistent brand message, as well as the diverse industries served by Hayes Design Co. Hayes shares his transition from a global sales career to entrepreneurship, highlighting the challenges and rewards of taking over Burkhart Signs amid the COVID-19 pandemic. He emphasizes the significance of company culture and the responsibility of supporting employees and their families. Hayes reflects on his long-term vision for the business, focusing on regional and national expansion while prioritizing generosity and legacy-building. Throughout the discussion, Hayes offers insights into navigating business challenges, seeking counsel, and maintaining resilience in pursuit of growth and success. About our guest, Edward Hayes: Edward Hayes is an accomplished professional with over two decades of experience in software sales. Transitioning to a new role as the Owner of Hayes Design Co., he now oversees a design and in-house manufacturing facility that operates nationally, assisting clients in branding their locations to meet the unique standards of each brand. Under his leadership, Hayes Design Co. has established itself as a premier destination for clients seeking tailored design solutions that align with their brand identity and values. Hayes' expertise in software sales combined with his passion for design and manufacturing has enabled him to drive the company's growth and uphold its commitment to delivering exceptional branding services across the United States. Summary and highlights from the show: Transition to Entrepreneurship: Edward Hayes shares insights into his transition from a successful global sales career to becoming a business owner, driven by a desire for tangible impact and legacy-building. Navigating Challenges: Taking over Burkhart Signs during the COVID-19 pandemic presented challenges, including financial struggles and the need to establish a new company culture. Cultural Transformation: Edward Hayes discusses the significance of fostering a positive company culture and supporting employees and their families, emphasizing the impact on morale and productivity. Long-Term Vision: Hayes outlines his long-term plans for Hayes Design Co; focusing on regional and national expansion while exploring opportunities in e-commerce. Resilience in Entrepreneurship: Edward Hayes reflects on the challenges of entrepreneurship, including financial pressures and the importance of remaining resilient in the face of adversity. Seeking Guidance: The episode highlights the value of seeking counsel from business coaches and peers, leveraging their expertise to navigate challenges and drive growth. Generosity and Legacy: Edward Hayes underscores the importance of generosity and legacy-building in business, aiming to make a positive impact on employees, the community, and future generations. Balancing Business Priorities: Throughout the discussion, Edward Hayes emphasizes the need to balance various business priorities, including sales, manufacturing, financing, and employee management, to sustain growth and success. Connect with Edward Hayes: Email Website About SYM Financial and the Owner's Corner Podcast: Welcome to the Owner's Corner Podcast hosted by Principal and Senior Financial Advisor Seth Whicker from SYM Financial Advisors. In this show, we dive into the dynamic world of business ownership. Whether you're just starting out or are deep into your entrepreneurial journey, this podcast is designed to be your go-to source for insights and inspiration. Each episode, Seth connects with business owners and industry experts, bringing you their stories of triumphs, the lessons they've learned from their mistakes, and their strategies for success. We'll discuss everything from the initial stages of launching a business to the intricate details of exit planning. Whether it's succession, retirement preparation, or exploring buy-sell agreements and growth tactics, our goal is to spark your imagination about what's possible — for you, your team, and your family. Remember, while I share my insights and those of my guests, these are our personal opinions and not reflective of SYM Financial Advisors. This podcast is here to provide general information, not specific financial advice. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In today's episode of Executive Decisions, host Sarah Delahanty sits down with Todd Davis who shares his rich career history from building airplanes to his executive career in the orthopedic industry. Todd reflects on his journey from managing older union workers while still in his 20's to his transition into executive leadership roles. He emphasizes the importance of work ethic, persistence, and building relationships, sharing valuable insights from his experiences. Todd also discusses his post-executive life, engaging in mentorship, fundraising efforts for his community, and continuous personal development through reading diverse materials. Through his story, listeners gain valuable lessons in leadership, adaptability, and the importance of work-life integration.   About our guest, Todd Davis: Todd is a seasoned leader with over three decades of experience in the orthopedic industry, particularly in driving the success of major knee franchises for some of the world's largest companies. From Sales and Marketing to Product Development, Strategy, and M&A, Todd has demonstrated his visionary leadership skills by accelerating growth opportunities and fostering world-class teams and cultures. After retiring from his role as President and General Manager of the Global Knee Business at Zimmer Biomet in July 2019, Todd has redirected his focus towards the startup landscape within the Medtech sector. He currently serves as an Independent Board Director for PeekMed Health, a Board Observer for Enhanced Medical Nutrition, and a Board Director for JointVue, while also providing consulting expertise for companies like Smith+Nephew, Canary Medical, Maxx Ortho, Kinamed, Kneevoice, and various other OEMs.   Summary and highlights from the show: Todd Davis had a formative experience working full-time at Rockwell International while still going to school. He was promoted into a managerial role in his mid to late 20's, leading teams of older aircraft mechanics. Davis learned to lead by example and develop a strong work ethic during this time, working 70 hours a week while pursuing his education at night. His transition to orthopedics involved leading a team of older individuals in the customer service group at Zimmer Biomet, where he applied his leadership skills and learned to be persistent in pursuing his goals. Todd emphasizes the importance of not chasing money but rather finding something you enjoy and working hard at it, as advised by his father. He shares his experience of persistence in pursuing opportunities, such as transitioning into marketing at Zimmer Biomet despite initial rejection from the vice president of marketing. Building relationships is crucial in the orthopedic industry, and Todd highlights the impact of handwritten thank-you notes in making lasting connections. Todd reflects on the importance of work-life balance, which he prioritized by scheduling family events and delegating responsibilities as he advanced in his career. Transitioning to board roles and mentoring startups has been rewarding for Todd, allowing him to leverage his experience and make a meaningful impact. He discusses his involvement in community initiatives, such as leading a capital campaign for a school expansion, and his interest in personal development through reading. Todd finds inspiration and leadership insights from various sources, including spiritual books, business literature, and perspectives from different industries like the restaurant business.   Connect with Todd Davis: Email About SYM Financial and the Executive Decisions Podcast: Executive Decisions is a podcast designed for current and aspiring business leaders, offering an in-depth look at the evolving nature of executive roles. Hosted by SYM Financial Advisors Principal and Senior Financial Advisor Sarah Delahanty, the show delves into the personal and professional journeys of its guests, exploring the challenges they've overcome and the learning experiences that have shaped their paths to success. The podcast provides insights into how executives manage the increasing complexity of both their professional and personal lives. Featuring a range of guests from diverse industries, each episode aims to enlighten listeners on the continuous state of learning and adaptation necessary for effective leadership. Whether discussing career progression, leadership strategies, or personal growth, Executive Decisions is a valuable resource for anyone interested in the multifaceted world of executive leadership.   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode of EmpowHER, host Michelle Hipskind sits down with Saghi Togashi, a quantum energy and Reiki energy facilitator. Saghi shares her journey from nursing to computer science to holistic healing. After experiencing challenges in the nursing field due to empathy overload, Saghi transitioned to computer science but always harbored a desire to help others. Her path led her to discover a quantum energy device that merged her technological background with her passion for healing. Through intuitive and compassionate work, Saghi assists clients in raising their vibrational energy levels for better health and resilience. She plans to train others in this approach and continue her mission of helping people, demonstrating a deep commitment to service and holistic well-being. About our guest, Saghi Togashi: Saghi is a dedicated practitioner at Isch Wellness, where she offers transformative experiences through her expertise in Healy Frequencies and iTeraCare TeraHertz facilitation, complemented by her proficiency as a Reiki 2nd Degree Energy practitioner and a 2nd Degree Taekwondo expert in self-discipline and balance. Drawing inspiration from Dr. Carol McMakin's groundbreaking scientific principles outlined in "The Resonance Effect," Saghi harnesses the power of frequency and resonance to guide individuals on their holistic well-being journey. With Healy Individual Microcurrent Frequency and iTeraCare Terahertz Cell application, she provides cutting-edge tools aimed at elevating physical, emotional, and spiritual wellness, inviting individuals to embark on their transformative path towards optimal health and vitality. Summary and highlights from the show: Introduction to Saghi's dynamic roles as a quantum energy and Reiki energy facilitator, emphasizing the enhancement of physical energy for overall well-being. Balancing act between Saghi's numerous responsibilities as a mother, wife, daughter, sister, aunt, friend, and colleague, highlighting the challenges faced by many women in contemporary society. Career transition from nursing to computer science due to the emotional strain in the medical field, driven by a desire to bridge healthcare and technology. Personal struggles as a working mother, including the pivotal moment when her child faced a serious injury, prompting Saghi to prioritize family over career. Shift to a stay-at-home mom role, actively engaging in school activities, fundraising, and supporting her children's education and extracurricular pursuits. Introduction to holistic healing modalities initiated by a neighbor, leading Saghi to discover a quantum healing device and reconnect with spirituality and technology for well-being. Integration of nursing and computer science backgrounds to comprehend the science behind quantum healing, emphasizing compassion and understanding in healing practices. Entrepreneurial journey fueled by a passion for sharing holistic healing methods, with a vision to train compassionate individuals as practitioners and extend these practices to others. Future aspirations encompass expanding clientele, training more practitioners, and eventually retiring near the beach while overseeing the growth of her holistic healing institute. Core motivation centered on helping others and making a positive impact, reflected in Saghi's approach to holistic healing and her commitment to serving those in need with compassion. Connect with Saghi Togashi: Email Website About SYM Financial and EmpowHER Podcast: The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars, and blogs are available for all women who want to be part of the EmpowHER community. Email Michelle at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In today's episode of Executive Decisions, host Sarah Delahanty sits down with Dr. Drew Flamm, President of Grace College & Seminary, to explore the formative experiences that shaped his leadership path and the value of embracing a spectrum of opportunities. Dr. Flamm shares personal stories of early financial discipline, the impact of mentorship on his career, and the significance of lifelong learning in both personal and professional realms. Through anecdotes and advice, the conversation delves into the integration of personal interests with family life, highlighting the holistic approach Dr. Flamm takes to leadership and the importance of each day's potential. About our guest, Dr. Drew Flamm: Dr. Drew Flamm is the distinguished seventh president of Grace College & Seminary. Dr. Flamm is a seasoned professional in the sphere of higher education, with over sixteen years of experience across multiple institutions. He is an alumnus of Cedarville University, holding a B.A. in Comprehensive Communications, and has further honed his leadership and communication skills with an M.A. from Gonzaga University. His academic journey culminated in earning a Ph.D. in Educational Leadership from Indiana State University. Since joining Grace in 2013, Dr. Flamm has made a significant impact through his direction of the Aspire Campaign, a historic fundraising initiative for the college that successfully garnered $39.8 million, enabling the construction and renovation of five facilities, and substantially growing the endowment. His role expanded to supervising marketing, enrollment, and the prestigious Lilly Center for Lakes & Streams. Known for his strategic planning prowess, Dr. Flamm has been instrumental in steering the college through several strategic cycles with remarkable proficiency. Join us as we delve into the insights and experiences of Dr. Flamm's illustrious career in educational leadership.   Summary and highlights from the show: Introduction of Dr. Drew Flamm: Sarah introduces Dr. Flamm, the seventh president of Grace College & Seminary, highlighting his extensive background in higher education and leadership roles. The Aspire Campaign: Dr. Flamm's notable achievement includes directing the Aspire Campaign, raising $39.8 million, contributing significantly to the institution's growth and endowment. Value of Hard Work: Dr. Flamm shares personal anecdotes from his first job as a paperboy, emphasizing the early lessons he learned about financial responsibility and hard work. Advice for Aspiring Leaders: He advises students and young professionals to embrace a breadth of experiences and not fear failure, emphasizing the importance of trying new things. Importance of Lifelong Learning: The conversation underscores the importance of continual learning and personal development, both personally and professionally. Navigating Risks and Opportunities: Dr. Flamm discusses pivotal moments in his career, addressing how he assessed risks and seized opportunities that led to growth and advancement. Holistic Approach to Personal Growth: He stresses the need for maintaining balance in life by taking care of one's physical, mental, and emotional health alongside professional responsibilities. Personal Interests and Family Time: Dr. Flamm talks about his love for mountain biking, music, and spending quality time with his family, including how they integrate with campus life at Grace College.   Connect with Dr. Drew Flamm: Website: www.grace.edu LinkedIn: https://www.linkedin.com/in/drewflamm/ About SYM Financial and the Executive Decisions Podcast: Executive Decisions is a podcast designed for current and aspiring business leaders, offering an in-depth look at the evolving nature of executive roles. Hosted by SYM Financial Advisors Principal and Senior Financial Advisor Sarah Delahanty, the show delves into the personal and professional journeys of its guests, exploring the challenges they've overcome and the learning experiences that have shaped their paths to success. The podcast provides insights into how executives manage the increasing complexity of both their professional and personal lives. Featuring a range of guests from diverse industries, each episode aims to enlighten listeners on the continuous state of learning and adaptation necessary for effective leadership. Whether discussing career progression, leadership strategies, or personal growth, Executive Decisions is a valuable resource for anyone interested in the multifaceted world of executive leadership.   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode of the Owner's Corner podcast, host Seth Whicker converses with Steve Gundy, a seasoned professional in behavioral health and owner of a coaching practice. Gundy shares his journey from his first job mowing lawns to establishing a practice that serves individuals with developmental disabilities, leveraging his personal and professional experiences to build a successful business. He emphasizes the importance of aligning with state regulations, the challenges of service delivery, and the personal fulfillment derived from genuinely helping others. Looking ahead, Gundy aspires to expand his coaching to support parents and young adults navigating the complexities of independence and self-reliance. About our guest, Steve Gundy: Steve Gundy coaches parents to guide their special needs young adults to be self-supportive and free from the daily struggle. He is a life coach and President of Steve Gundy Coaching, LLC, a private practice in Granger, Indiana. Steve Gundy Coaching is a Bureau of Developmental Disabilities certified provider, Vocational Rehabilitation provider and private service supporting those living with Autism and ADHD. Steve is passionate about exhilarating experiences and all things different. Steve's mantra is to live life intensely and persevere! Summary and highlights from the show: Journey in Behavioral Health: Steve discusses the establishment of his private practice in Northern Indiana, which specializes in Medicaid behavior services for those with developmental disabilities, vocational rehabilitation, and private life coaching. Lessons from Early Work: Reflecting on his first job, Gundy emphasizes the valuable work ethic he developed while mowing lawns, learning the importance of hard work, attention to detail, and integrity. Path to Behavioral Sciences: Inspired by his mother's compassion, Steve was drawn to psychology, leading to a master's degree in social work and a career dedicated to helping others in the behavioral health field. Professional Progression: Gundy shares his professional evolution from addressing sexual abuse cases to supervising foster care programs, and eventually providing home and community-based services. Regulatory Alignment Challenges: The conversation sheds light on the complexities of adhering to state regulations and the necessity of balancing administrative tasks with client services in the behavioral health sector. Vision for Coaching Practice: Steve outlines his future for his coaching practice, aiming to assist parents and young adults in the transition towards independent living and self-sufficiency. Navigating Developmental Disability Services: He offers guidance on accessing services for developmental disabilities, stressing the importance of early intervention and persistent advocacy. Business Leadership Advice: Gundy encourages business owners to embrace their individual leadership styles, recognizing that success comes from authenticity and understanding one's personal approach to business. Connect with Steve Gundy: Email Website About SYM Financial and the Owner's Corner Podcast: Welcome to the Owner's Corner Podcast hosted by Principal and Senior Financial Advisor Seth Whicker from SYM Financial Advisors. In this show, we dive into the dynamic world of business ownership. Whether you're just starting out or are deep into your entrepreneurial journey, this podcast is designed to be your go-to source for insights and inspiration. Each episode, Seth connects with business owners and industry experts, bringing you their stories of triumphs, the lessons they've learned from their mistakes, and their strategies for success. We'll discuss everything from the initial stages of launching a business to the intricate details of exit planning. Whether it's succession, retirement preparation, or exploring buy-sell agreements and growth tactics, our goal is to spark your imagination about what's possible — for you, your team, and your family. Remember, while I share my insights and those of my guests, these are our personal opinions and not reflective of SYM Financial Advisors. This podcast is here to provide general information, not specific financial advice. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode featuring special guest Tina Bennett from Hallmark Home Mortgage, they delve into the intricacies of mortgage debt, discussing factors like interest rates, refinancing, and the importance of seeking guidance from a mortgage professional. Through an insightful conversation and practical advice, this episode empowers people to make informed decisions about their finances and homeownership. About our guest, Tina Bennett: Tina Bennett is a seasoned professional with over 20 years of experience in the mortgage industry, currently serving as a Branch Manager and Senior Vice President at Hallmark Home Mortgage. With a passion for helping others navigate the complexities of the mortgage industry, Tina's expertise shines through her insightful discussions on topics ranging from interest rates to refinancing strategies. Her dedication to educating and empowering individuals in their home buying journey is evident as she uses her extensive knowledge and expertise to personally structure the best product for her clients. Summary and highlights from the show: Mortgage Industry Insights: Tina shares her experiences and insights gained over three decades in the mortgage industry, emphasizing the importance of understanding mortgage options and making informed financial decisions. Factors Influencing Mortgage Decisions: Discussion on whether to pay off a mortgage, considering individual financial situations, interest rate environments, and potential impact on quality of life. Historical Perspective on Interest Rates: Tina provides insights into historical interest rate trends, including peaks in the 9% range in the past, compared to the recent record-low rates. Current Housing Market Dynamics: Exploring the current housing market, including the impact of interest rates on buying decisions, trends among first-time buyers, downsizers, and those seeking to upsize. Mortgage Options and Strategies: Detailed discussion on mortgage types, including fixed-rate, adjustable-rate, and specialized products like the two-one buydown, with considerations for different financial scenarios. Understanding Loan Estimates: Importance of comparing mortgage offers using Loan Estimates, which provide a breakdown of rates, fees, and other costs associated with the loan. Construction Lending and Homebuilding: Insight into construction lending options, allowing homeowners to finance the construction of a new home while staying in their current residence until completion. Future Outlook and Homeownership Advice: Optimism for the housing market in 2024, along with advice on preparing for homeownership, including consulting with mortgage professionals early to optimize financial readiness and explore potential improvements in credit scores or debt management. Connect with Tina Bennett: Email Website About SYM Financial and EmpowHER Podcast: The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars, and blogs are available for all women who want to be part of the EmpowHER community. Email Michelle at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode of Executive Decisions, guest hosted by Seth Whicker, guest Tim Early, CEO of DreamOn Group, shares his insightful journey from an early career decision to move from New York to Florida, leading to a pivotal role in the medical device industry with Cordis Corporation. Tim reflects on his educational transitions, notably from West Point to Rochester Institute of Technology, and his shift from accounting to packaging engineering, emphasizing the importance of aligning one's strengths with career choices. The episode delves into Tim's experiences with changing industry regulations and the challenges they presented, highlighting his adaptability and growth in various roles, including quality engineering at companies like CR Bard Corporation and Johnson & Johnson. Tim discusses the nuances of different corporate cultures, and the significance of effective communication and diverse skill sets in executive leadership. The narrative also touches on his venture into entrepreneurship, offering valuable lessons on risk-taking, resilience, and the critical balance of opportunity and decision-making in an executive's journey.   About our guest, Tim Early: Tim Early, the CEO of DreamOn Group is known by many as the Founder and former CEO of Network Partners Group and a visionary in the life sciences industry. Tim brings with him a rich history of innovation, evidenced by his contributions to medical technology and packaging. He holds patents for advancements in laparoscopic packaging. His leadership in companies like Network Partners, Zimmer, and Johnson & Johnson has centered around building teams of passionate professionals and developing solutions that emphasize client and colleague needs. With a Master's in Packaging from RIT, Tim continues to shape the industry with forward-thinking approaches and a commitment to excellence.   Summary and highlights from the show:  • Early Career Decisions: Tim Early shares his journey of moving from New York to Florida without a job and how he seized an opportunity in the medical device industry with Cordis Corporation, reflecting the importance of adaptability and initiative in leadership. • Educational Shift and Career Relevance: Discussing his transition from West Point to Rochester Institute of Technology, Tim highlights the significance of recognizing one's strengths and interests, as he shifted from accounting to packaging engineering. • On-the-Job Learning and Growth: Tim talks about his early career experiences in medical device packaging, emphasizing the value of learning on the job and adapting to roles beyond formal education, a key skill for successful executive leadership. • Facing Industry Regulations and Challenges: Tim's experience with FDA regulations at Cordis Corporation illustrates the importance of compliance and adaptability in executive roles, especially when navigating changing industry standards. • Career Development at CR Bard Corporation and Johnson & Johnson: Tim recounts his roles at these companies, focusing on the impact of corporate culture on his professional growth. His experiences underline the importance of aligning with a company's culture and values for effective leadership. • Quality Engineering and Interdisciplinary Skills: Tim's transition from packaging to quality engineering demonstrates the need for executives to possess diverse skill sets and the ability to handle various aspects of a business. • Leadership and Communication Skills: Discussing his role at Johnson & Johnson, Tim emphasizes the importance of effective communication with both peers and executives, a crucial skill for leadership, especially when delivering challenging news. • Insights on Corporate Culture: Reflecting on his time at different companies, Tim shares insights into various corporate cultures (technology-driven, sales and marketing-driven, financially-driven) and how understanding these cultures is vital for effective leadership and decision-making. • Professional Risks and Learning from Mistakes: Tim's story of starting ISO Pack and the challenges faced provides insights into risk-taking and learning from failures, highlighting resilience as a key attribute of executive leadership. • Final Reflections on Career and Leadership: In his closing remarks, Tim reflects on his career, emphasizing the importance of understanding the full breadth of business operations and the challenges of transitioning from a corporate executive to a business owner. He also shares his regret of not starting his entrepreneurial venture earlier, illustrating the balance of risk and opportunity in executive decision-making.   Connect with Tim Early: Email LinkedIn   About SYM Financial Advisors and the Executive Decisions Podcast: Executive Decisions is a podcast designed for current and aspiring business leaders, offering an in-depth look at the evolving nature of executive roles. Hosted by SYM Financial Advisors Principal and Senior Financial Advisor Sarah Delahanty, the show delves into the personal and professional journeys of its guests, exploring the challenges they've overcome and the learning experiences that have shaped their paths to success. The podcast provides insights into how executives manage the increasing complexity of both their professional and personal lives. Featuring a range of guests from diverse industries, each episode aims to enlighten listeners on the continuous state of learning and adaptation necessary for effective leadership. Whether discussing career progression, leadership strategies, or personal growth, Executive Decisions is a valuable resource for anyone interested in the multifaceted world of executive leadership.   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.    

In this episode of the Owner's Corner, host Seth Whicker welcomes Tim Early, CEO of DreamOn Group, for a deep dive into his entrepreneurial journey. Tim's story begins with a move from upstate New York to Florida, marking the start of his career in the medical device industry. His narrative is not just about career choices but also highlights his entrepreneurial spirit. Tim shares candid insights into his early attempts at starting several businesses, discussing the challenges and setbacks he faced along the way. These experiences, though not immediately successful, were instrumental in shaping his approach to business. The conversation culminates in the story of his eventual success with Network Partners, a testament to his perseverance and the valuable lessons learned from previous endeavors. This episode offers a unique perspective on the realities of entrepreneurship, illustrating how resilience and learning from failures can lead to significant achievements in the business world. About our guest, Tim Early: Tim Early, the CEO of DreamOn Group is known by many as the Founder and former CEO of Network Partners Group and a visionary in the life sciences industry. Tim brings with him a rich history of innovation, evidenced by his contributions to medical technology and packaging. He holds patents for advancements in laparoscopic packaging. His leadership in companies like Network Partners, Zimmer, and Johnson & Johnson has centered around building teams of passionate professionals and developing solutions that emphasize client and colleague needs. With a Master's in Packaging from RIT, Tim continues to shape the industry with forward-thinking approaches and a commitment to excellence. Summary and highlights from the show: • Tim Early's Early Career and Move to Florida: The episode begins with Tim recounting his move from upstate New York to Florida post-college, which marked the start of his professional journey in the medical device industry. • Initial Steps in the Medical Device Industry: Tim shares his experience of starting his career with Cordis Corporation, a pacemaker company, illustrating how opportunities sometimes arise from unexpected places. • Educational Background and Its Influence: Tim highlights how his education influenced his career trajectory. • Entrepreneurial Ventures and Challenges: Tim opens up about his attempts at starting several businesses, sharing the challenges and setbacks he faced, and the lessons learned from these early entrepreneurial endeavors. • Founding of Network Packaging Partners: A significant focus of the discussion is on Tim's founding of Network Packaging Partners. He details the journey and the strategies that led to the success of this venture, offering insights into what it takes to build a successful business after previous attempts. • Growth and Challenges of Network Packaging Partners: Tim talks about the growth of Network Packaging Partners, the hurdles of self-funding, and the journey to becoming cashflow positive. • Selling Network Packaging Partners to Private Equity: Tim discusses the decision to sell Network Packaging Partners to private equity, the cultural changes post-sale, and his continued role in the company. • Starting DreamOn Group: Tim concludes by sharing his current venture with DreamOn Group, focusing on the importance of adapting to new communication methods like video and building a team with complementary skills. • Resilience and Learnings: Throughout the episode, the theme of resilience is prominent. Tim's story is a testament to the importance of persevering through career shifts and using these experiences as learning opportunities for future success. Connect with Tim Early: Email LinkedIn About SYM Financial Advisors and the Owner's Corner Podcast: Welcome to the Owner's Corner Podcast hosted by Principal and Senior Financial Advisor Seth Whicker from SYM Financial Advisors. In this show, we dive into the dynamic world of business ownership. Whether you're just starting out or are deep into your entrepreneurial journey, this podcast is designed to be your go-to source for insights and inspiration. Each episode, Seth connects with business owners and industry experts, bringing you their stories of triumphs, the lessons they've learned from their mistakes, and their strategies for success. We'll discuss everything from the initial stages of launching a business to the intricate details of exit planning. Whether it's succession, retirement preparation, or exploring buy-sell agreements and growth tactics, our goal is to spark your imagination about what's possible — for you, your team, and your family. Remember, while I share my insights and those of my guests, these are our personal opinions and not reflective of SYM Financial Advisors. This podcast is here to provide general information, not specific financial advice. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

We live longer but our capacity is diminishing and in practical care giving it's not always clear who is making the decisions from day-to-day. As a financial advisor, I work with clients everyday who live in the gray space with their loved ones. This is the messy middle, where caring for those who are perfectly capable one day but then slowly diminishing the next is a confounding effort. I am always encountering professionals who enlighten me to better ways to navigate what I call the scary "C"s, caregiving, confusion, chaos, and capacity. – Michelle Hipskind, CFP® In this insightful episode of EmpowHER, host Michelle Hipskind welcomes Leslie Friedel, CEO of Stillwater Hospice, for an engaging conversation on how palliative care and grief support can help bring dignity, clarity, and legitimacy to this messy middle. About our guest, Leslie Friedel: With more than 16 years of experience in nonprofit healthcare leadership, Leslie brings a wealth of knowledge to the discussion. She holds a bachelor's and master's in social work from the University of Saint Francis and Indiana University, respectively. A licensed health facility administrator and social worker, Leslie is deeply involved in the community, serving as board chair of the Indiana University Fort Wayne School of Medicine, treasurer of the Indiana Hospice and Palliative Care Organization, and secretary of the Alliance for Human Services. Join us as Leslie shares her passion for healthcare innovation and her commitment to serving the 12-county region in northeast Indiana through Stillwater Hospice's vital services. Summary and highlights from the show: • Understanding Palliative Care: The podcast highlights the benefits of palliative care, focusing on patients with life-limiting illnesses or chronic conditions, and how it can help improve decision-making and quality of life. • Challenges for Caregivers: Discussion on the difficulties faced by caregivers, often women, who balance personal responsibilities with the demands of caring for someone with a life-limiting illness. • Navigating Legal and Healthcare Decisions: The conversation examines the complexities of legal tools like power of attorney and healthcare directives, especially in the "gray area" when a patient's capacity is diminished but not entirely lost. • Role of Competency and Autonomy in Healthcare Decisions: An exploration of the balance between respecting a patient's autonomy and assessing competency in making healthcare decisions. • Anticipatory Grief: Leslie explains anticipatory grief, experienced by caregivers and loved ones prior to the actual loss, encompassing various emotions and decision-making pressures. • Importance of Early Conversations and Planning: The discussion emphasizes the necessity of having early and open conversations about end-of-life wishes and advanced directives to ease decision-making during critical times. • Managing Financial and Legal Aspects: There is an acknowledgment of the challenges in handling finances and legal matters, like selling a property or accessing resources, during palliative care situations. • Finding Support and Building a Supportive Community: The importance of creating a support system comprising professionals, support groups, and other caregivers to navigate the emotional and practical challenges of palliative care. • Conclusion and Resources: The episode concludes with an encouragement for listeners to engage in proactive planning and conversation about end-of-life care and provides resources for further information and support. Connect with Leslie Friedel: Phone (260)435-3222 LinkedIn Website About SYM Financial and EmpowHER Podcast: The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars, and blogs are available for all women who want to be part of the EmpowHER community. Email Michelle at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Owner of Status Go Consulting, Matt Roskuski, has over two decades of executive-level sales and marketing experience. He has worked for organizations of all sizes, from small privately-owned companies to global giants. His experience spans a diverse collection of industries including technology, telecommunications, manufacturing, consumer products, ecommerce and healthcare. Matt's a native of Ft. Wayne and has a degree in Management from Purdue - West Lafayette. Early in his career, he spent nine years in Colorado and Southern California before returning home for good. Seth welcomes Matt Roskuski to discuss his background in sales, marketing and consulting. Matt explains how he helps small businesses align their sales and marketing efforts to achieve better results. He shares examples of challenges he has faced when bringing different departments together. Matt also discusses how he works with companies on developing strategic plans and processes to improve productivity. The conversation provides business owners with insights on optimizing operations from an expert consultant. "So it's really about alignment, and making sure that everything we're doing from a marketing perspective is pointed at getting that person that we want to talk to, to notice us or to engage with us, or to be aware that we exist, again, depending on where they are in the funnel." - Matt Roskuski This week on The Owner's Corner: Entrepreneurship and business growth with Matt Roskuski. Career path and industry experience. Sales and marketing operations consulting. Aligning sales and marketing efforts for business success. Marketing strategy and execution. Aligning sales and marketing efforts for better results. Sales training and bridging gaps in organizations. The importance of customer service representatives in sales. Marketing alignment and strategy for small to medium-sized companies. Sales and marketing strategies with a consultant. Our Favorite Quotes: "From a marketing perspective, how do we find lots of that person? And that's what marketing does, right? They try to take a big group of people and find the few that are a fit potentially for what we're trying to sell them. Okay, marketing, go work your magic and get the message we agreed upon to those people that we want to talk to." - Matt Roskuski "The individual that answers the phone at SYM is probably one of your best advocates for the company. Are they cheerful, because that's the first impression a lot of people are going to get, or even our customer service representatives, we couldn't grow and be who we are without really good people servicing the client." - Seth Whicker "Make sure that what everybody's doing, whether it's sales or marketing, but particularly sales and marketing is pointed toward a result and an action that you want to drive." - Matt Roskuski Connect with Matt Roskuski: Email: mattroskuski@gmail.com Website: https://www.statusgoconsulting.com/ About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Gordon Bell is the Founder and CEO of The Midland Group, a business advisory firm based in Fort Wayne, Indiana. Founded in 1991, The Midland Group has advised clients - both national and international with revenues ranging from $10 million to $5 billion - across a range of industries: manufacturing, distribution, service, and retail. The Midland Group, along with its strategic alliance partners, offers advisory services in Leadership Development, Succession Contingency Planning, Sales and Marketing, Business Development, Operational Excellence, Corporate Development, Mergers and Acquisition, Development of Multiple Exit Options, and Sell Side Preparedness / Sell Side Processes. Gordon has identified a holistic approach to help his clients build their business and prepare to exit gracefully. Midland's Advanced Value Enhancement Solutions is a program that guides clients in building, growing, and finishing strong. This forward-thinking approach has advised numerous business owners and corporate leaders to maximize their shareholder value at an accelerated rate; minimize business risk; and achieve personal, financial, and business goals. Whether it is a young business looking for growth, or established companies looking toward the future., Gordon starts by asking his clients three questions: What's your Vision? Your mission? Where are you in your journey? His approach is unique because of its accelerated focus, using 90-day plans to address both immediate and future goals, as well as proven successful development of strong leadership teams, both internally or by recruitment, Seth welcomes Gordon to the podcast to discuss his journey to becoming CEO of the Midland Group. Gordon explains that he developed a passion for serving others from a young age. He talks about his experience owning an import/export business and doing corporate development work. Gordon also discusses the various consulting services he now provides to business owners, including exit planning, leadership development, and succession planning. "Just build your best team. You build your best team, and they're a part of taking the risk with you, you're going to have a better plan. If you do that, then you're gonna have predictable financials." - Gordon Bell This week on The Owner's Corner: Leadership, entrepreneurship, and consulting experiences. Exit strategies for business owners with a focus on preparation and communication. Business planning and strategy. Leadership, collaboration, and succession planning in business. Exit planning for businesses and families. Business valuation and sale strategies. Business transactions, legal advice, and exit planning. Financial planning and exit strategies for business owners. Our Favorite Quotes: "It's the due diligence that you're collecting, whether you're on the buy side, or the sell side. How can you use that information to have a successful close? No, a successful first 90 days. How do you use that information? Because most transactions fail a year from now." - Gordon Bell "Once you've discovered what's inside the soul, you discover what their journey is going to be." - Seth Whicker "What's that mission that you've got? Where are you in the journey to accomplish that? And if I can understand and capture that, then I go through a seven step process. But if I jump to the process, I haven't captured their dreams, their heart aches, hurts. Because that's what you're trying to get at." - Gordon Bell Connect with Gordon Bell: Email: gbell@themidlandgroup.net Website: https://www.themidlandgroup.net About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode Matt Schrock discusses the journey that led him to joining the family construction business, DJ Construction. He talks about how DJ Construction was started by his grandfather and uncle in 1954 and has grown over the decades to include an office in Kalamazoo, Michigan. Matt describes DJ Construction's leadership structure and how they ensure the right people are in the right roles. He also discusses DJ Construction's focus on their core values of integrity, commitment, relationships, and excellence. Additionally, Matt explains how DJ Construction is putting a dent in the fatherless epidemic in their communities through strategic giving that aligns with their community impact purpose. Matt Schrock has been involved full-time in the construction industry since 2012, all with DJ Construction. He has been in his current role as Vice President since 2019. As Vice President, Matt is responsible for Business Development efforts, Client-Relationship Management, and Community Engagement. "I had to learn and I think: I had to have a teachable spirit, which sometimes I'm better at than other times, but I think that definitely buys some favor from the team showing you'll do whatever is asked." - Matt Schrock This week on The Owner's Corner: Introducing Matt Schrock Career path and growth in the family business Succession planning for a family-owned business Succession planning and contingency measures for a family-owned business Leadership structure and roles in a construction company Company culture and values in the construction industry Entrepreneurship, business, and family Opening a new office in Kalamazoo, Michigan Business growth and client relationships Family business dynamics and legacy planning Our Favorite Quotes: "We like to be very, very collaborative. And I've learned that in some sales opportunities that we've missed on or over the past number of years, some clients don't want that level of interaction, they just want us to bring them a solution." - Matt Schrock "My goal is to find what you're passionate about, and then put you in that position where you can use that passion. Because then, it's not a job that you come to every day, you look forward to showing it's a career, it's something that you really want." - Seth Whicker "The relational side of it is more of a factor to us than the exact size or scope of the project. We look for somebody that sees value in us as a partner." - Matt Schrock "I tell people during the hiring process, it might be a little laborious, it might take a while. But it's just important for us, because we want to find employees who are going to retire from here. Yeah, we're not looking just to fill seats. We want to make sure it's cultural." - Seth Whicker Connect with Matt: Email: matt@djconstruction.com Website: https://djconstruction.com/ About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

This podcast episode discusses Medicaid planning and how it can be used as an asset protection tool rather than just a last resort. Lindsay Koler, an elder law attorney, explains how Medicaid assessments and proper planning can help couples protect their homes and retirement accounts. She emphasizes getting powers of attorney updated and doing Medicaid planning well in advance of needing long-term care. We look at whether someone needs help with activities of daily living like feeding, dressing, taking medication to qualify for long-term care. - Lindsay Koler This week on The EmpowHER Podcast: ● Medicaid planning and long-term care options. ● Medicaid planning and asset protection. ● Strategies for Aging parents with limited income. ● Spouses in long-term care. ● Planning for long-term care costs. ● Asset protection strategies. Lindsay Koler was born and raised in Fort Wayne, Indiana. She attended Concordia Lutheran High School, and then went on to graduate from Baldwin-Wallace University with honors. She was captain of the girl's golf team at Baldwin-Wallace. She went on to receive her law degree from Cleveland Marshall College of Law in 2008. Lindsay practiced law in Ohio for more than 7 years, before moving back to her hometown of Fort Wayne in 2014. Helping others through difficult times is part of what drives Lindsay and inspires her. Lindsay and her husband, Dale, owner of Fall Creek Homes, have three children. In her free time, Lindsay enjoys golfing, watching her kids' activities, and being active in her church and community. She enjoys spending time with her three siblings and all her nieces and nephews, who also reside in the Fort Wayne area. She is passionate about healthy eating and healthy living and enjoys cooking (well, most days!) Our Favorite Takeaways: ● Medicaid is often overlooked as a financial planning tool. - Lindsay Koler ● Aging and In-Home Services perform the assessments that determine if someone meets the level of care for Medicaid waiver services. - Lindsay Koler ● There are circumstances that are maybe non-traditional or don't fit the stereotype of Medicaid, where planning and using Medicaid becomes a key element of generational wealth. - Michelle Hipskind ● Knowing the Medicaid rules can help put people at ease if they ever need long-term care. - Lindsay Koler Connect with Lindsay Koler: ● Email: lkoler@kolerlawoffice.com About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts : Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Dionna has been with Whirlpool Corporation for 15 years and currently leads the Whirlpool Sales Enablement Team as well as being the Chief of Staff for the Sales SVP.  She is responsible for creating strategies and experiences to enable profitable sales growth for both Whirlpool and its Trade Customers. Dionna has held various positions with escalating responsibility within training, operations, sales and merchandising. As an accomplished sales leader she has been awarded National Sales Manager of the year and has delivered record breaking profitable growth in each of her respective role scopes . An active leader within inclusion and diversity, Dionna has also led FOCUS, the African American Resource Group, through strategic shifts that helped influence Whirlpool Corporation's first ever Pledge to Black Colleagues in 2020. Dionna is a native of South Bend, IN. She graduated with a B.S. from Purdue University and received her Masters of Business Administration from The University of Notre Dame (Go Irish)!   This podcast shines light on Dionna's career journey and experience as an African American woman in leadership. Dionna shares with the audience her early career, mentors who helped her develop confidence, navigating being underrepresented in her roles, and her work advancing diversity and inclusion at Whirlpool. She also discussed her approach to developing leaders on her team and work-life balance. Sarah and Dionna covered a range of personal and professional topics in this thought provoking discussion about Dionna's pathbreaking career.   “You can be anything you want to be. And no one told me that I couldn't. But no one had said that I could.” - Dionna Topps James   This week on Executive Decisions: Self-doubt and leadership growth. Leadership evolution and encouraging younger professionals to speak up. Diversity and representation in the workplace. Diversity and inclusion in leadership roles. Leadership development and team building. Hiring and evaluating leaders based on character and work ethic. Career advancement and mentorship in a corporate setting. Mentorship and personal branding. Work-life balance and personal interests with a busy woman leader.   Our Favorite Quotes:   "I want to be a business leader. Yes, I'm a black woman. But you don't have to be the black woman business leader." - Dionna Topps James "I believe it's my responsibility, given the opportunity that I have now, to make sure that I'm clearing the path, and enabling others that look like me to be in rooms that they're not in." - Dionna Topps James “Hire the person and the core values of that person because you can teach the job, you can teach the nuances inside the organization. But you can't teach people to be good humans." - Sarah Delahanty “You sort of have to go first and be vulnerable, which can be a heavy burden. But in my experience, it's all been worth it." - Dionna Topps James   Connect with Dionna:   LinkedIn: https://www.linkedin.com/in/dionna-topps-james-she-her-228519b/ Email: dionnajames215@gmail.com   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible  Spotify   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this quick but packed full of information episode, Michelle discusses the importance of including plans for your pets in your estate planning. Many households now have companion animals, so it is crucial to consider what will happen to dogs, cats, or other pets if their owners become unable to care for them or pass away. Michelle recommennds speaking with your estate attorney about setting aside funds and establishing guardians for your pets. She also suggests utilizing local animal rescues, shelters, and foster programs that can provide temporary or permanent care for pets when needed. The key takeaway is to proactively plan for how your pets will be cared for after you're gone, whether it's temporarily or permanently, to gain peace of mind knowing they will be well looked after. "You can set a dollar amount and your wish list for future guardianship for your favorite pets and then know and have the peace of mind that they'll be well cared for." - Michelle Hipskind This week on The EmpowHER Podcast: The importance of including pets in estate planning since 66% of households have companion animals Options for temporary or permanent care solutions for pets through local rescues, shelters, and foster programs Speaking with your estate attorney about setting aside funds and parameters for your pets' care after you're gone Using planned giving to set up guardianship and funds for future owners of your pets to keep them in the lifestyle you provided Asking local shelters and rescues and bringing it up at estate planning reviews Our Favorite Quotes: "Even though we don't like to consider having our pets outlive us, it's certainly an important factor when planning for the future." - Michelle Hipskind "Many local rescue organizations and privately run shelters and even municipal shelters offer programming to help support those who either temporarily or permanently need care solutions for their pets." - Michelle Hipskind About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

We have a quick tactical nugget for you on this latest episode of the EmpowHER podcast. In this episode, Michelle Hipskind focuses on dissecting the changes brought about by the 2019 SECURE Act, with particular emphasis on the elimination of the "stretch IRA," which imposes a 10-year limit for withdrawals for those inheriting IRA accounts. However, the podcast also sheds light on exceptions like qualified charitable distributions for beneficiaries close to 70 and a half years old. "Let's say that you are 65. A parent or an aunt, uncle, someone older than you passes away and leaves you an IRA account or funds from an IRA account. Because you have 10 years to empty that account and you are less than 10 years from 70 and a half, you are allowed to take qualified charitable distributions from that money." - Michelle Hipskind This week on The EmpowHER Podcast: Understanding the SECURE Act Hidden nuggets within the SECURE Act Examples of these hidden nuggets in action About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). The opinions expressed herein are those of SYM and are subject to change without notice. This material is not financial advice or an offer to sell any product. This podcast is for informational purposes only and does not constitute investment, legal or tax advice and should not be used as a substitute for the advice of a professional legal or tax advisor. SYM reserves the right to modify its current investment strategies and techniques based on changing market dynamics or client needs. SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Dennis McKeever has a bachelor's degree in chemistry from the University of Pittsburgh along with a PhD in physical chemistry from the University of California, Irvine. Dennis retired from Dow Chemical after a thirty year career where he primarily served as a senior manager in Research and Development.   However, he also had two business management experiences – first as the manager of the Chemicals business for Latin America and subsequently as the VP for the Polyolefins and Elastomers business unit for Dow North America.  After retiring from Dow, he served for six years as the Chairman of the Board for SYM Financial and saw the company through a major strategic redirection and a subsequent leveraged buyout to the current principals.  Following SYM, Dennis moved on to a large variety of positions in the biomedical sciences, including angel investing. Dive into the rich tapestry of Dennis McKeever's life - from service station garages in the '50s to boardrooms of major corporations. Through decades of risks, learning, and immense personal growth, Dennis shares the true measure of wealth, the balance of emotions, and the joy of traveling with loved ones. “I learned to be willing to take a risk on people, give them a break, but nurture them as much as you can along the way. Focus on investing in the success of your people.” - Dennis McKeever This week on Executive Decisions: Dennis' first job. The importance of getting to know your customers. Pursuing a career change. The importance of mentors in your career. Taking risks and learning from mistakes. Transition from executive life to board and consulting role. The true measure of wealth.  Our Favorite Quotes:  "It really doesn't matter how big the business is, the same basic principles of business management and management people are there no matter what the size. Get to know your customers and take good care of them” - Dennis McKeever “Pick yourself up and you learn from your mistakes, whether they be people mistakes, or investment mistakes, or the lack of the best of judgment in making a business decision. Learn from those mistakes, keep them in mind as you move forward.” - Dennis McKeever “The true measure of a man's wealth is what he has left after you take all of his money away. So, treasure your family, treasure your friends, spend quality time with them. Doing this will be your enduring reward for a successful career, and a successful life. “ - Dennis McKeever  Connect with Dennis McKeever:  Email Dennis: ldennismckeever@gmail.com Connect on LinkedIn  About SYM Financial and Executive Decisions Podcast Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.  Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.  Follow Sarah on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts  Amazon Music/Audible Spotify And, if you enjoy the show, please leave a review to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Melissa Wolf, CPA joined Baden Gage & Schroeder, LLC in 2012 with over seven years of tax experience specializing in gift, trust and estate planning. She directs tax engagements for clients with personal income, fiduciary income and gift tax service needs. Melissa has extensive experience in assisting clients with the formulation of retirement and estate plans. Melissa joins me for a powerful conversation spanning various topics, from Melissa's diverse journey to becoming a CPA, to nuanced aspects of charitable giving, donor-advised funds, and the utilization of various trusts. We discuss the mechanics of revocable and irrevocable trusts, as well as family and personal residence trusts, and how they can be effectively used in estate planning. Indiana's unique charitable credits, gift tax return protocols, and strategies to maximize tax benefits for charitable donations were also highlighted. This conversation shines a light on the legalities of gifting and the importance of collaboration among financial advisors, accountants, and attorneys for optimum planning. This week on The Owner's Corner: How to use donor advised funds for charitable giving. Do you need a check before giving? What is a revocable trust? How long will a family trust last? What if the beneficiary is not ready to handle the assets? How to use a trust in estate planning? The purpose of the gift tax return. Our Favorite Quotes: "So one that I've seen that I really do like is matching their earned income. Yes, a lot of times when someone's setting up a trust, they want to make sure there's still a work ethic out there for the kids and the grandkids. So one that I love is matching their earned income or matching two times their earned income. That's a great one." - Melissa Wolf "We review all of our beneficiaries every year with each client, to try to make sure along with their estate plan that everything's still aligning, because things do change, circumstances change." - Seth Whicker "You would want to put something in that is going to grow, not something that already has grown. You don't want to put your lake home that already has $400,000 for the appreciation because you're not gonna get a step up on your basis." - Melissa Wolf Connect with Melissa Wolf: Email: mwolf@badencpa.com LinkedIn Baden Gagen & Schroeder, LLC. About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: This material is not an offer or solicitation to buy or sell any product and does not constitute as investment, legal, or tax advice and should not be used as a substitute for the advice of a professional legal or tax advisor. The opinions expressed herein are those of SYM and are subject to change without notice. SYM recommends you engage your CPA/tax preparer to for tax strategies specific to your circumstances. Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM, including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Matt Stevens transitioned from the U.S. Navy in July 2017 after serving for 26 years as a SEAL. He attended The Honor Foundation's (THF) inaugural East Coast class in the Spring of 2016, joined the THF SOF Advisory Board in the Spring of 2017, and then joined THF's Board of Directors in February 2018. Throughout his career, Matt served as a Special Operations Executive leading high-performing teams conducting our nation's most sensitive operations, cultivating interagency relationships and executing plans in dynamic environments. Matt served on the leadership team of an emerging technology company from 2017-2019 before assuming the role of Chief Executive Officer of THF. In this engaging conversation, Sarah interviews Matt Stevens, a former US Navy SEAL with 26 years of service. Matt's career journey is highlighted, including his transition from the Navy, involvement with the Honor Foundation, and his experiences as a SEAL team leader. Matt emphasizes the importance of trust and credibility in leadership, earned through tactical proficiency, keeping promises, and vulnerability. He also discusses the influence of mentors and the need to adapt leadership styles to different situations.  Matt shares how the Honor Foundation has been instrumental in helping Special Operations veterans find fulfilling post-military careers through personalized coaching, networking opportunities, and support. Matt's passion for helping his fellow veterans shines through as he shares success stories of program participants who have found meaningful careers and the joy of giving back by becoming coaches and instructors for the foundation. The conversation also touches on the organization's future goals, including expanding its reach to more transitioning veterans across the country. “In my work now at the Honor Foundation, I see that a lot of folks think that every single person who was in the military probably has PTSD, traumatic brain injuries, and they were like in gunfights every day of every month of every year for 20 years. And it's just not the case.” - Matt Stevens This week on Executive Decisions: Introduction to Matt Steven's background. Where did Matt find his start as a leader? How to become an effective leader. Mentors and leadership style. Managing risk and saying no. Making the decision to retire from the military. The importance of educating veterans about the business world. The first class at the Honor Foundation. How the Honor Foundation has evolved under Matt's leadership. Traveling as a family. Staying on top of life outside of work. Our Favorite Quotes: "We don't charge transitioning veterans anything; we go out and hustle and raise the money. So they don't have a financial burden while they're getting out of the military and losing that steady income stream." - Matt Stevens “I always just find it fascinating to hear as people have successful careers as leaders, where they found their start. And it could be something as basic as a paper route” - Sarah Delahanty "Success for us is somebody finding fulfillment as defined by them. It's not about how much money they're going to make or what school they're going to get into." - Matt Stevens “Title and the rank are just one component, then you have to earn the trust of the people behind you and they have to earn yours. A trust transfer in the relationship where they then follow you because they believe in you and you believe in them.” - Sarah Delahanty "We will never degrade the quality of what we're doing. It's a platinum standard, and we want to give that to any special operator who wants it." - Matt Stevens "It's not just all about 'help the veterans'; it's like, hey, how do you want to help your own business? You might consider hiring some of these rock stars who are probably gonna run circles around some of your other folks." - Matt Stevens "Scaling that jump in scale, at some point, is going to be huge. We're always thinking about how to grow what we're doing without degrading quality at all." - Matt Stevens Connect with Matt Stevens: The Honor Foundation Website The Honor Foundation on Facebook The Honor Foundation on Instagram The Honor Foundation on LinkedIN Email Matt: matt@honor.org About SYM Financial and Executive Decisions Podcast Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.  Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.  Follow Sarah on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts  Amazon Music/Audible Spotify Stitcher And, if you enjoy the show, please leave a review to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Meet Erin (Rethlake) Ehler, head coach of the Huntington University Women's Softball program. Listen in while she and Michelle talk about the challenges facing young women today and how we can empower them to be independent, confident and successful individuals. Erin speaks with experience having played college softball for a Division 1 program and earned the title of Miss Indiana Softball while in high school. Today, Erin coaches young women in the sport and in life drawing parallels to the education and development Michelle provides women with their money. Hear them talk about the challenges and dangers of comparison in today's social media world. Erin sets a stellar example of turning her passion into a career while remaining dedicated to her family and incorporating her love for teaching. We discuss her journey from a determined Division I athlete to a compassionate college coach, overcoming obstacles on and off the field and instilling invaluable life lessons in her players along the way. Erin sheds light on the profound impact social media and the culture of comparisons have on young athletes. With her Softball Barn becoming a symbol of dedication and values, Erin is influencing a generation of women in Huntington, Indiana. "When you start going through the trials and tribulations of being an athlete, you realize it's so much bigger than just softball." - Erin Ehler This week on The EmpowHER Podcast: What do a college softball coach and financial advisor have in common? How do you marry your passion with your income? How comparison is your worst enemy (in life, sports, and even finance). Where do you go when you get stuck? Advice for young women in sports. Our Favorite Quotes: "I just found a passion for the game, and I think when you find a passion for something, you just want to keep doing it." - Erin Ehler "There's so many things that are challenging young women today" - Michelle Hipskind "Comparison is the thief of joy, whether that's with my college team, or I have a young girl who comes in the barn." - Erin Ehler About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode we have an energetic conversation across two generations. Michelle is joined by mother and daughter Rickie Kohne and Laura Murray as they take a look into their personal experiences and insights on financial management. Laura and Rickie share the valuable lessons they learned from their parents, emphasizing the importance of living within their means and prioritizing savings. Both women stress the need for open communication and trust within relationships, acknowledging the role of financial advisors in providing guidance and peace of mind. They discuss the challenges of budgeting, sharing humorous anecdotes and reflecting on the importance of relinquishing control when necessary. Overall, the group encourages asking questions, seeking professional advice, and learning from past mistakes to achieve financial stability and security. This week on The EmpowHER Podcast: Teaching young women to ask questions about money. The importance of asking the right questions. Rickie's first checkbook. Advice for women who don't have a career outside the home. Lessons learned – your own and from others Our Favorite Quotes: "You don't have to be afraid to talk about money. Reach out there and ask those questions and educate yourself." – Rickie Kohne "Sometimes we hold ourselves back because we think we don't have enough money for a financial advisor, but you should still ask the questions and seek guidance." – Laura Murray "Financial planning is about finding peace of mind and feeling comfortable about your financial future." – Michelle Hipskind About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michelle at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Ed Mohr is the retired Vice President of Total Rewards at Whirlpool Corporation, a Fortune 200 company specializing in home appliances. With a background in HR, manufacturing, and logistics, Ed has accumulated 29 years of experience in various roles. In his current position, he is accountable for executive compensation, broad-based compensation, global mobility, benefits, health, wellness pensions, and 401 k plans globally. As a member of the Global Senior HR Leadership Team, he plays a crucial role in shaping the company's human resources strategies. Ed holds a bachelor's degree in Marketing and a Master of Business Administration from Western Michigan University.   Today, Ed and I discuss his early career experiences and the path he took to become a leader. He emphasizes the importance of work-life balance and shares lessons he learned from his diverse career. He outlines the benefits of diverse backgrounds in a team. Ed suggests focusing on experiences that contribute to personal growth, exploring different roles, and developing leadership skills. He describes his career transitions and the importance of continuous learning, challenges, and making meaningful contributions. He details why it's crucial to care about people, build relationships, and have a positive influence on others. He explains the balance between career planning and being present in the current role and how to take career risks. Ed also encourages curiosity, learning from experiences, and finding enjoyment in all situations and shares his upcoming travel plans.    “Instead of always concentrating on the actual function, concentrate more on the experiences and what the experiences are going to get you.” - Ed Mohr   This week on Executive Decisions:   How Ed's early career experiences helped him on his journey to leadership Work-life balance and the lessons he learned from his diverse career The benefits of diverse backgrounds in teams How experiences contribute to personal growth more than specific jobs The importance of continuous learning and challenges How to foster genuine relationships The importance of caring about people and their work experience How to balance career planning and being present in the current role Traits that can harm a leader's career The importance of finding enjoyment in all situations Why you should enjoy the journey rather than solely focusing on the destination.     Our Favorite Quotes:   “ When you're having fun and enjoying what you do, the rest of it falls into place—enjoying the work, having meaningful relationships, and having a good time.” - Sarah Delahanty “Always learn things from people no matter who they are. It's shocking what people teach you. ” - Ed Mohr “To be an effective leader, you have to have fellowship and followers.” - Sarah Delahanty   Connect with Ed Mohr:   Ed Mohr on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Michelle Hipskind, CERTIFIED FINANCIAL PLANNER™ and overseer of the Empower Women's Financial Education Program, discusses the question, "How much do I need to retire?" She emphasizes why there is no one-size-fits-all answer and that it depends on factors such as what the retiree wants their retirement to look like, what they can control, and what they cannot control. Other considerations include replacing cash flow, managing debt, accounting for taxes and healthcare expenses, dealing with inflation, and accounting for discretionary expenses. Michelle recommends working with a financial advisor to build a financial plan that maps out a retiree's goals, anticipated expenses, and anticipated income streams. "Retirement isn't a one-size-fits-all equation, it depends on what you want your retirement to look like." - Michelle Hipskind This week on The EmpowHER Podcast: How much do I need to retire? When do you want to retire? Paying taxes on income in retirement. Key factors to consider. The expenses that help you live a rewarding retirement. Inflation and compounding returns. How to plan your retirement. Key Quotes: "Retirement expenses and estate funding can be unpredictable, so it's important to plan for the unexpected." - Michelle Hipskind "Flexible work arrangements allow us to continue working well beyond what a traditional retirement age looked like." - Michelle Hipskind "Taxes continue to haunt us even in retirement, so it's important to keep track of taxable income and avoid penalties." - Michelle Hipskind "Inflation and compounding on investment returns are important factors to consider for retirement planning." - Michelle Hipskind "Discretionary expenses can help make retirement rewarding, but they should be balanced with non-discretionary expenses." - Michelle Hipskind "Planning for long-term healthcare expenses is important, especially for women who tend to live longer and have a higher likelihood of early onset dementia." - Michelle Hipskind About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Maggie Browning is the Franchise Partner of the Burn Boot Camp locations at Fishers and Zionsville, Indiana. Burn Boot Camp is a network of fitness facilities that envisions a world where women love themselves today and are inspired by who they'll be tomorrow. Before working with Burn Boot Camp, Maggie worked as the Deltek Systems Analyst at Walker Consultants and the Project Administrator at McShane Construction Company. She holds a Bachelor of Science in Business Management and Administration from Bradley University. Maggie joins me today to discuss the advantages and challenges of being a franchise owner. She explains how she knew it was time to expand to another location and why the integration of family and work is critical to the success of any business owner. She describes how her most successful employees are former members of the gym and how her background in entrepreneurship helped her navigate the challenges of purchasing a gym franchise amid the COVID-19 pandemic. Maggie also highlights how getting involved in local communities empowers Burn Boot Camp's messaging and marketing and underscores why passion and purpose are essential foundations of any business. "Go into business doing something you're passionate about because it's going to come into every crevice of your life in ways that you don't expect." - Maggie Browning This week on The Owner's Corner: Maggie's background and Burn Boot Camp's history and mission Creating an economy of scale and the different factors Maggie considered in choosing a new location for a franchise Finding the right leaders and team members for your company The importance of using your passion as the foundation of your business The difference between work-life balance and work-life integration The challenges Maggie encountered at the beginning stages of being a franchise owner How being a part of a franchise helps with expanding to other locations Why owning and running a business is a family affair How the Burn Boot Camp community relied on each other during the pandemic Maggie's marketing principles for Burn Boot Camp A day in the life of Maggie Browning and how she balances her time between family and business Our Favorite Quotes: "Find something you're passionate about that you're going to love and it will feel not like coming into work, but like an extension of who you are." - Seth Whicker "When I say that a business is a family affair, I don't mean all family members work in the business. It means you need to have the support of the entire family to make the business work." - Seth Whicker "The number one tip to business owners is to surround yourself with people better than you and you will always be alright." - Maggie Browning Connect with Maggie Browning: Burn Boot Camp Burn Boot Camp on LinkedIn Burn Boot Camp Fishers, IN on Instagram Burn Boot Camp Zionsville, IN on Instagram Maggie Browning on LinkedIn About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Carrie Minnich is a Partner at DWD CPAs & Advisors and is in-charge of the Nonprofit Services Team. She earned both a Bachelors degree in Financial Accounting (Cum laude) and a Master of Accountancy from Manchester College. Carrie has been with the firm since 2004 and has been a Director since 2017. She specializes in audits, reviews and compilations of financial Statements for nonprofit organizations. Michelle and Carrie discuss various aspects of non-profit organizations. They delve into types of financial contributions, distinguishing general operations, specific programs, and significant projects like capital campaigns. Carrie provides insight into donor restrictions and the auditing process, with an emphasis on the organization's responsibility to align fund usage with donor stipulations. In this conversation, Michelle and Carrie outline the structure and dynamics of a non-profit's board, the difference between 'oversight' and 'working' boards, the concept of term limits, and potential liabilities for board members, underscoring the need for Directors and Officers insurance. "Some boards are more oversight, and less working, while other organization boards are more working. So when you go to volunteer as a board member, that is something you really need to find out." - Carrie Minnich This week on The EmpowHER Podcast: The difference between time, talent and treasure. What qualifies an organization to be a nonprofit? What is a tax exempt nonprofit? The checkbook and treasurer. How much control do you have over where the money goes? How do you evaluate the lifecycle of a board? Paying your taxes and taxes. The differences between Donor Advised Funds. How to know if an organization is a legitimate organization? Differences between men and women in giving. Our Favorite Quotes: "You can restrict where you want your money to go for that organization, whether it be for like a capital campaign, or maybe you are very passionate about a specific program that they have." - Carrie Minnich "I have some female clients that really enjoy the benefits of a Donor-Advised Fund. They can set one up and then they've got their money set aside for years to come. They give it away, in one case $50 at a time." - Michelle Hipskind "So as part of the audit process, we definitely test restrictions, because you know, they are technically the organization is, you know, legally responsible for making sure that that money is spent for what it's supposed to be spent for." - Carrie Minnich "Yes, there is not necessarily a law that says all boards have to have term limits. So some nonprofit organizations do not have term limits for their board members." - Carrie Minnich "So as a board member, you are liable for certain things. So before you join a board, make sure that they do have DNO insurance. So Directors and Officers Insurance." - Carrie Minnich "Tax law changed a few years ago, which included raising the standard deduction, which we saw across all levels of client that a lot of people didn't itemize anymore." - Michelle Hipskind Connect with Carrie Minnich: DWD CPAs & Advisors Website Connect on LinkedIn Email: cminnich@dwdcpa.com About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation ("SYM"). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

Jenée Velasquez is the Executive Director of The Herbert H. and Grace A. Dow Foundation, a prestigious organization dedicated to philanthropy and community development. Velasquez began her professional journey as the Chief Executive Officer of Midland County's Economic Development Corporation, Midland Tomorrow, where she played a pivotal role in driving economic growth and prosperity. Prior to that, she served as the Manager of Economic Development Services and the first Downtown Development Authority Coordinator in Midland. She also worked for the Manhattan, Kansas Convention, and Visitors Bureau, gaining valuable experience in promoting tourism and enhancing the local economy. Jenée is active in her community and serves on the Huntington Bank Community Advisory Board, the MidMichigan Health Board, the Midland City and County Joint Building Authority, the Council of Michigan Foundations Board, the Michigan Municipal League Foundation Board, and the Greater Midland Community Center's Trustees Board. Her educational background includes a Bachelor of Science in business administration from Kansas State University, a Master of Business Administration degree from Michigan State University, and completion of an executive education course at Harvard University's John F. Kennedy School of Government.   Today Jenée and I discuss her career and how she's been able to give back to her community. She explains how she blazed trails and opened doors for other women to serve in leadership positions, and how it's both a pressure and an honor to be the first. She recounts her experiences as a leader of Midland Tomorrow, the unique challenges in representing the opinions of the other women in the room, and how the relationships she formed supported her. She details her involvement in the Senior Olympics and her love for volleyball. Jenée also describes being the first in her family to go to college, reveals how her husband helped her achieve her educational goals, and highlights the importance of having a sense of humor.    “Its looking for people that inspire you to be better and learn new things.” - Jenée Velasquez     This week on Executive Decisions:   The mission of the Herbert H. and Grace A. Dow Foundation Jenée's accomplishments as a first-time leader  How Jenée broke ground for women in leadership  The challenges of being a first-generation college student  Jenée's journey to leadership How networking paved the way for Jenée's career path  The importance of learning to accept help from others How to balance work and life as a parent  The importance of integrity, kindness, and humility in leadership The necessity of taking risks in your personal and professional lives  How philanthropy affects communities   Our Favorite Quotes:   “It's about accepting help from others, learning from others, and reaching back to make sure that all the things that were given to you, you're sharing with others too.” - Jenée Velasquez “Be thankful for the little things. Sometimes, those other things, they can wait.” - Sarah Delahanty “When you are in a leadership role, be easy to follow.” - Jenée Velasquez   Connect with Jenée Velasquez:   Jenée Velasquez's Website Jenée Velasquez on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: Certain links above are to third-party sites and are not affiliated with SYM Financial Corporation (“SYM”). SYM is an independent investment adviser registered under the Investment Advisers Act of 1940, as amended. Registration does not imply a certain level of skill or training. More information about SYM including our investment strategies, fees and objectives can be found in our ADV Part 2, which is available upon request.

In this episode of Executive Decisions Podcast, host Sarah Delahanty, a certified financial planner, talks about how her firm, SYM Financial Advisors, helps executives understand and maximize their executive compensation and benefits. She emphasizes the importance of diversifying risks and making sure clients have a game plan for the year, including determining what may be beneficial to exercise relating to stock options, selling or retaining restricted stock units, participating in employee stock purchase plans, and deferred compensation plans. Sarah also explains the complexities around tax implications and how to divide your paycheck to maximize benefits while mitigating company risk. SYM Financial Advisors has deep expertise in this area, working with dozens of different companies globally, and welcomes anyone seeking help with their executive compensation and benefits.   "Being able to understand, what I would call, the dollar Olympics, we only earn so much paycheck." - Sarah Delahanty   This week on Executive Decisions:   Understanding and maximizing executive compensation and benefits The equity component of executive compensation     Our Favorite Quotes:   "Executives have different benefits relating to long-term incentive compensation, usually tied to company stock." - Sarah Delahanty "For an executive, they'll have base pay, they may have a bonus cash bonus compensation." - Sarah Delahanty "Being able to understand, what I would call, the dollar Olympics, we only earn so much paycheck." - Sarah Delahanty "How do we divide your paycheck up to maximize the different benefits, but also capture any value that comes from equity compensation, that is part of your total compensation." - Sarah Delahanty "We really just say, make sure you have eyes on everything." - Sarah Delahanty "If we just let the stock component of our portfolio as it relates to that single exposure to our company that we work for get bigger and bigger then all of a sudden that could create an imbalance and a potential or undue risk for us with our overall investment strategy." - Sarah Delahanty     About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution, or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time-sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees, and objectives can be found in our Form ADV Part 2, which is available upon request.

Inheriting Financial Relationships In this episode of the EmpowHER Podcast, Michelle Hipskind, a certified financial planner, discusses the phenomenon of women inheriting investment portfolios and being dissatisfied with their financial advisors. She notes that 70% of women who inherit responsibilities for an investment portfolio want to switch to someone they are more comfortable with. Michelle provides five important questions to ask a financial advisor to ensure transparency and to guarantee that the advisor is acting as a fiduciary. She emphasizes that it is important to have a good relationship with your financial advisor, and women have the right to ask questions and change their relationship if they inherit one. Empowered women empower other women, and Michelle encourages women to seek financial education and support to take control of their finances. "70% of women who inherit responsibilities for an investment portfolio are dissatisfied with the financial advisor." - Michelle Hipskind This week on The EmpowHER Podcast: Women who inherit an investment portfolio. Questions to ask when hiring a financial advisor. Fiduciary responsibilities and compensation. Who is responsible for making investment decisions? Our Favorite Quotes: "70% of women who inherit responsibilities for an investment portfolio are dissatisfied with the financial advisor." - Michelle Hipskind "In many cases, they want to develop their own relationships and not be forced to use something that they inherit." - Michelle Hipskind "You have every right to have a full understanding of what this relationship is, whether it's the person that came with a portfolio, or whether it's someone you're interviewing to begin a new relationship with." - Michelle Hipskind "It's in their best interest financially to sell something or to transact something." - Michelle Hipskind "It needs to be somebody who understands your situation, has your best interests at heart, and stays engaged in the investment portfolio ongoing." - Michelle Hipskind "You have every right to change your relationship if you inherit one. When you do, ask those questions." - Michelle Hipskind "Empowered Women empower other women." - Michelle Hipskind About SYM Financial and The EmpowHER Podcast: The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michelle at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Reid Arnold is the owner of Arnold Mechanical LLC. Reid began his journey in the HVAC industry at the young age of 10 in his family's small heating and air company. He became more involved in the family business and learned more about the trade as he got older until, at age 21, he started a career in law enforcement. In 2021, Reid left the police department and began providing heating, remodeling, electrical, and plumbing services before focusing his work on HVAC and founding Arnold Mechanical. Reid joins me today to share what it takes to grow a one-man HVAC and home maintenance company. He describes what it was like to leave the family business, get into law enforcement, and later start his own small business. He explains why he decided to niche down to HVAC after years of providing heating, remodeling, electrical, and plumbing services. Reid also reveals how he's grown his small business without advertising and underscores the importance of taking the time to improve your skills and understand your trade. "Be willing to take the time to familiarize yourself with whatever line of work you do. Put in the time to make yourself better and you'll be unstoppable." - Reid Arnold This week on The Owner's Corner: Reid's background and what it was like to be part of a small, family-owned business His thought process behind niching down his business to HVAC services What led Reid back to HVAC work after serving in law enforcement The first steps Reid took toward making the leap and starting his own business Doing what's right and Reid's secrets to growing a business through word of mouth Donating time and skills to help people in need How Reid learned to manage cash flow and other business matters in his services Thinking about protecting your business Resources Mentioned: Neighborlink Our Favorite Quotes: "If you're doing no advertising or the like, getting people's trust is invaluable. Taking the time to explain things to people with honesty goes so far." - Reid Arnold "For people starting a business, everybody sees the successes—but sometimes there's more failures than successes." - Seth Whicker "You can have the greatest idea in the world, but if you can't have cash flow, it's never going to work." - Seth Whicker Connect with Reid Arnold: Arnold Mechanical LLC on Facebook About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

In this episode of the Owner's Corner podcast, host Seth Whicker, a certified financial planner, stresses the importance of having a Buy-Sell agreement for any business owner. He explains that while a robust estate plan covers some aspects, a Buy-Sell agreement outlines how other people may become owners within the company, how shares will be valued and transferred, and what will happen to shares in the event of a shareholder's death or disability. The agreement also ensures the continuation of the business and outlines a plan for the interim period when the founder is no longer there to run the company. Seth recommends reviewing the agreement annually and ensuring continuity between the Buy-Sell agreement and estate plan. "A Buy-Sell agreement helps dictate how other people can become owners in the company, whether family members, employees, or potential buyers." - Seth Whicker This week on The Owner's Corner: What causes probate to be a nightmare? How much of what he does has to do with tax law? The difference between a power of attorney and a durable Power of attorney. How to choose an attorney. The importance of having a power of attorney. Using a trust to avoid probate. How long-term care can eat up your estate? Joint titling accounts for seniors. The pros and cons of having a power of attorney. Advice for people who don't have their finances in order. Our Favorite Quotes: "A robust estate plan may not cover all aspects of protecting your business interests; a Buy-Sell agreement is equally important." - Seth Whicker "Pricing for the transfer of shares within the corporation is spelled out in the Buy Sell agreement, including how voting or non-voting shares are valued." - Seth Whicker "A Buy-Sell agreement ensures continuity in the event of a shareholder's death, disability, or sale of the company, preventing a fire sale." - Seth Whicker "Buy Sell agreements often include provisions for funding via life insurance in the event of a shareholder's death." - Seth Whicker "Regular review of the Buy-Sell agreement is crucial to ensure the valuation measurement has not changed since its implementation." - Seth Whicker "Provisions in the Buy Sell agreement for disability of a shareholder should be clearly spelled out to ensure fair treatment." - Seth Whicker "Buy Sell agreements provide peace of mind to shareholders, especially for founders who want to leave a legacy for the company." - Seth Whicker "It's recommended to have the person drafting the Buy-Sell agreement work in coordination with the estate plan to ensure continuity and meet the owner's needs." - Seth Whicker "Don't let anything fall through the cracks; review your Buy Sell agreement at least once a year to ensure it aligns with your business interests." - Seth Whicker About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Navigating the Nightmare of Probate: Understanding Tax Law and Estate Planning with Heidi Adair Heidi Adair is a partner at Beers Mallers whose legal practice is focused in the areas of Estate Planning and Elder Law. She is certified as an Estate Planning & Administration Specialist by the Indiana State Bar Estate Planning and Administration Specialty Certification Board. Heidi regularly advises clients regarding the protection of assets through the use of advanced Estate Planning and Elder Law planning. She has counseled numerous families regarding wills, Revocable Living Trusts, and the funding of those trusts, Medicaid, and nursing home expense planning, Guardianships, Powers of Attorney, Living Wills, and the probate administration process. She is also an accredited attorney for the preparation, presentation, and prosecution of claims of Veterans Affairs Benefits before the Department of Veterans Affairs (VA). In her free time, Heidi enjoys reading, camping trips to national parks, and visiting with her grown children. In this conversation, Heidi shares insights on estate planning, tax law, and probate. She explains the importance of having a durable power of attorney and how to choose the right attorney. She also highlights the difference between a power of attorney and a trust, and how trusts can be used to avoid probate and protect children's inheritances. Heidi emphasizes the need to plan for long-term care, joint title accounts, and diversify funds in different baskets. She also offers tips on basic will planning and how Indiana changed its probate rules. Finally, she advises people to avoid tax problems with their parent's estate and be careful when naming a trust. "It's just important to get into a relationship of trust with somebody so that as life twists and turns, there's people ready to walk alongside you." - Heidi Adair This week on The EmpowHER Podcast: What causes probate to be a nightmare? How much of what he does has to do with tax law? The difference between a power of attorney and a durable Power of attorney. How to choose an attorney. The importance of having a power of attorney. Using a trust to avoid probate. How long-term care can eat up your estate? The pros and cons of having a power of attorney. Advice for people who don't have their finances in order. Our Favorite Quotes: "I am still surprised how many people on a routine basis that have their families, their households all squared away, but don't have estate planning documents in place." - Michelle Hipskind "What is a power of attorney? So a power of attorney is a document that says who can handle, it's usually broken into two different types of activities, who can handle healthcare decisions for you, if you can't handle them for yourself, and who can handle your financial decisions if you can't handle them for yourself." - Heidi Adair "You need to pick somebody who's good, honorable, trustworthy, sure. And then just one person, I think it's best to have a backup." - Heidi Adair "So maybe we can help people get over a couple of hurdles and remove a couple of obstacles that allow people to put it off." - Michelle Hipskind Connect with Heidi Adair: Beers Mallers Website Connect on LinkedIn Email: hadair@beersmallers.com About SYM Financial and The EmpowHER Podcast The EmpowHER Podcast is a platform for women to come together to gain financial insight and strategies with a tribe of brilliant women. This show is brought to you by Financial Advisor Michelle Hipskind, CFP ®. Michelle educates on the many important aspects of financial planning and brings in additional professionals that provide advice in their areas of expertise, giving listeners access to the appropriate professionals that can help solve the problems many women face. In-person events are held in the Fort Wayne, Indiana area. In addition to the podcast, local events, webinars and blogs are available for all women who want to be part of the EmpowHER community. Email Michell at mhipskind@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Michelle on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

David Floyd is an “actively retired” medical technology executive, now serving as a board member and advisor in healthcare and life sciences. During his 33-year career as a medical technology executive, David has served as a President and CEO, board member, advisor, and consultant for organizations like OrthoWorx, Abbott Spine, and AxioMed Spine Corporation. He has a background in finance, marketing, and technology, and has helped develop transformational strategies and initiatives that have delivered accelerated top-line growth and robust operating results. Currently, David focuses on advising several private equity firms as well as a hedge fund on medical technology and life science investments, and serves as a board member of three companies, including Healthcare Outcomes Performance Co. and Merit Medical Systems, Inc., and as well as serves as an external advisor at Bain & Company,.   Today, David joins me to discuss what he's learned during his many years in business and how mentorship helped guide his decisions along the way. He describes how he began his career in the medical device industry straight out of college and how the many positions he's held have allowed him to advance his career quickly. He tells us about how his retirement is going so far and why he prefers the term “active retirement.” We discuss how his support systems at home and with his mentors allowed him to take risks in his career. He provides insight on building great teams, being a leader, and his predictions on how businesses will have to adapt to a post-COVID world. David also reveals how his love for dogs helps him achieve a balance between his personal and professional lives and how dogs led him to some of his most important philanthropic work with the charity, K9s For Warriors.    “Forcing yourself to develop a skill set that's both mental and physical is a really good challenge to sort of keep those learning instincts sharp.” - David Floyd    This week on Executive Decisions:   The most important lessons David learned in 33 years in business  Why David prefers the term “actively retired”  What David learned from taking risks  How a strong support system helped David advance his career quickly How mentorship has helped David learn to make decisions  How David balanced profitability with doing what's right How to build great teams  The traits that every great leader needs to succeed  The art and skill of hiring quality candidates for leadership roles The challenges of business in the post-COVID era  The importance of work/life balance  The value of the love of a dog  The significance of a clear mission and written goals  David's insights into achieving life goals and gaining clarity of purpose    Resources Mentioned:   K9s For Warriors     Our Favorite Quotes:   “Younger professionals might be more about the title and the prestige or the money, but sometimes it's really not about that role. It's about what you are building for the future and the next role.” - Sarah Delahanty “Mentoring keeps me focused and engaged because I know what's on people's minds—what their real problems are on a daily basis.” - David Floyd “A lot of good has come from many of these large corporations that have advanced things in quality of life.” - Sarah Delahanty   Connect with David Floyd:   David Floyd on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Jill Young is the Head Coach and Expert EOS Implementer at EOS Worldwide. Having been an EOS implementer since 2014, Jill has implemented the Entrepreneurial Operating System with over 80 companies and has held over 900 EOS consultations with entrepreneurs. She formerly managed the growth and health of Williams & Company CPAs as its President. She is the author of The Advantage book series, which includes The Courage Advantage, The Learning Advantage, and The Thinking Advantage. She holds a Bachelor's degree in Psychology from Weber State University and a Master of Business Administration degree from the University of Phoenix. Jill joins me today to discuss the core principles of the Entrepreneurial Operating System and why business owners should consider implementing them. She explains the importance and difficulty of enacting change in leadership teams. She outlines how implementing EOS tools can help employees connect with an organization's vision and build discipline and accountability. She describes what it looks like when an employee is aligned with a company's core values and is assigned to the right role. Jill also underscores why it's a gift to the entire company when an organization takes the time to hire around their core values and highlights why willingness to grow is critical to successfully implementing EOS. "At the core of a company that attracts great talent is a leadership team tightly aligned with vision, discipline, and accountability." - Jill Young This week on The Owner's Corner: Jill's background and career path to EOS Worldwide What Entrepreneurial Operating Systems are Jill's experience reading Gino Wickman's Traction The disadvantage of being too nice and why leadership teams need to be truthful The People Analyzer and evaluating an individual's core value fitness The "Delegate and Elevate" tool and finding the right person for the right seat The power of hiring around your company's core values Fear, courage, and the founder behavior What it takes to implement EOS successfully The accountability aspect of EOS Resources Mentioned: Book: Traction: Get a Grip on Your Business by Gino Wickman Book: The Five Dysfunctions of a Team: A Leadership Fable by Patrick Lencioni The People Analyzer Our Favorite Quotes: "Find the right people to supplement what you're not good at and design your leadership teams to be complementary to each other." - Seth Whicker "You'll find that when you hire around your company's core values, employee turnovers drop down to nothing." - Seth Whicker "The Entrepreneurial Operating System is a way to manage all the human energy within your company—it's a set of tools you can use in your company at specific times throughout the year." - Jill Young Connect with Jill Young: Jill Young Website EOS Worldwide Book: The Courage Advantage: 3 Mindsets Your Team Needs to Cultivate Fierce Discipline, Incredible Fun, and a Culture of Experimentation Book: The Earning Advantage: 8 Tools You Need to Get Paid the Money You Want Book: The Thinking Advantage: 4 Essential Steps Your Team Needs to Cultivate Collaboration, Leverage Creative Problem-Solving, and Enjoy Exponential Growth EOS Worldwide on LinkedIn EOS Worldwide on Instagram EOS Worldwide on Facebook EOS Worldwide on Twitter EOS Worldwide on YouTube Jill Young on LinkedIn Jill Young on Twitter Email: Jill@JillYoung.com About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Rich Haddad is the former COO of SYM Financial Advisors and the current President and CEO at K21, overseeing all aspects of the foundation's operations. With his expertise in financial reporting, he ensures the prudent management of the foundation's funds and maintains healthy investment relationships. Apart from his professional duties, Rich is actively engaged with local community leaders and organizations to identify the best opportunities for grant-making and community participation that align with K21's mission. He graduated from Grace College with a Business and Accounting degree and also holds a Master of Science degree in Non-Profit Management. Rich lives in Warsaw, Indiana with his wife, Kathy, and together they enjoy living near the lake, various water sports, golf, and running. Rich is the proud father of two children and a doting grandfather to two grandchildren.   Today, Rich joins me to explain how to be a mentor and a leader in your community. He shares his career journey and tells us what he's been up to since leaving SYM in 2000. We discuss the value of self-discovery and how Rich learned to reflect on his own life to become a better employee, boss, leader, and father. He outlines how to be an effective mentor and why he's chosen to focus on other people to find fulfillment. Rich emphasizes the importance of problem-solving and addressing conflicts head-on. We also discuss some of the most pressing problems Rich sees in his community and how he can help to solve these issues through the K12 Health Foundation.    “I don't have to be at a church or some sort of ministry to make a difference in people's lives—I can do that anywhere” - Rich Haddad   This week on Executive Decisions:   What Rich has been up to since his time at SYM Financial  How Rich's love of community helped him in his career  How self-discovery guided Rich throughout his career Rich's recipe for success  How getting married and having kids helped Rich learn how to make better decisions  Why relationship building is a priority for Rich  Why focusing on others is more fulfilling than focusing on your own needs  What it takes to be a mentor  How Rich helps people find the right work roles to capitalize on their strengths  The difference between analytical decision-making and emotional intelligence and why they're both needed when dealing with people  The value of conflict resolution The challenges kids face in their community today  How K12 Health Foundation allocates resources to support the community  The people Rich thinks can make the most difference        Our Favorite Quotes:   “I think sometimes when priorities shift, or when priorities aren't aligned with the family or professional health or whatever, then all of a sudden, you know, we come up empty.” - Sarah Delahanty “The key to leadership and opportunities and success is really understanding how you're skilled and created.” - Rich Haddad “A global pandemic surely made a crossroads where people's mental and physical health and so many things kind of crossed over in many, many ways, which brought to light some significant gaps we have never addressed.” - Sarah Delahanty   Connect with Rich Haddad:   K12 Health Foundation Website Rich Haddad on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Denny and Kim Fuller are the former owners of Little Crow Foods, a food company established in 1903. Denny and Kim became the fourth-generation owners of Little Crow Foods after acquiring it in 1983 and managed its operations until the company's exit from the food industry in 2012. They have been volunteering their time and entrepreneurial skills to the Humanity and Hope United Foundation following the sale of Little Crow Foods. Founded by Denny and Kim's son, Riley Fuller, the Humanity and Hope United Foundation is a nonprofit organization dedicated to creating sustainable change in underserved communities in Honduras. Denny and Kim join me today to share the lessons they've learned from managing Little Crow Foods for over 29 years. They discuss what it was like for Denny to transition from working in a large company to running a small, family-owned business like Little Crow Foods. They explain how they prepared to sell Little Crow Foods and what their life was like after exiting the business. They also highlight the importance of succession and exit planning and describe how the Humanity and Hope United Foundation has made an impact in the Honduran communities they serve. "Hope is the fuel for sustainable change." - Denny Fuller This week on The Owner's Corner: Denny and Kim's background and work with Little Crow Foods Lessons Denny learned from transitioning from a large to a smaller company A brief history of Little Crow Foods External challenges Denny and Kim had to overcome in the grocery industry Creating the first pancake mixes The sale of Little Crow Foods in 2012 The challenges and lessons Denny and Kim found in buying and running a family-owned business Defining boundaries and running a family-owned business as a couple Their volunteer work for Humanity and Hope United Foundation The impact of Humanity and Hope United Foundation's work in Honduras The challenge of raising funds for a non-profit How they transferred their entrepreneurship skills from Little Crow Foods to non-profit work The beginning of the Humanity and Hope United Foundation Our Favorite Quotes: "When you're in the food industry you get a lot of challenges—from marketing to regulations." - Seth Whicker "Always have a plan in place. You hope you never have to use it, but if you do you'll know you've got one in place to protect you—especially when your wealth is wrapped around your business." - Seth Whicker "We had the rule that we wouldn't talk about business when we're at home. When we were at home, we were at home, and I'm glad we had that rule." - Kim Fuller Connect with Humanity and Hope United: Humanity and Hope United Humanity and Hope United on LinkedIn About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Holly Miller is the CEO of United Way of Midland County in Midland, Michigan. She is an integral part of the community and is in leadership positions for many teams and collaborative groups. Her work with the Rotary Contemporary View Club, Midland Business Alliance, Health and Services Council, and Midland Area Wellbeing Coalition helps improve lives and bring people together. She is a graduate of Lansing Community College at Kendall and Kendall School of Design where she earned a bachelor's degree in Graphic Design. Holly lives in Midland with her husband and enjoys spending time with her two children and four grandchildren.    Today, Holly recounts her journey to becoming a community leader and how a health scare helped her reorganize her priorities. She discusses how her mindset about community work has allowed her to work in the face of criticism and how that's helped her keep her team motivated. She tells us some stories about the historic flooding in 2020 and how she helped her community during the local upheaval and a global pandemic. Holly also shares her vision for the future of her community and reveals how aspiring community leaders can get involved.    “It's in the struggle or the change or the unknown that you really learn more about yourself.” - Holly Miller   This week on Executive Decisions:   How Holly got her start as a community leader How a health scare helped Holly realize her true passion The people who inspired Holly to challenge herself  How Holly ignores the naysayers  The role of integrity in nonprofit work  How United Way brings volunteers together after a crisis  United Way gives a voice to the voiceless  How Holly views leadership  How the pandemic and devastating floods influenced programming and collaboration How to make every dollar help the most people  What Holly is most excited about for the future of her community  Debunking myths about people in need  Where Holly draws her strength as a leader  How Holly balances her work life and personal life  Holly's advice for aspiring community leaders    Resources Mentioned:   Book: Braving the Wilderness: The Quest for True Belonging and the Courage to Stand Alone by Brené Brown Book: Dare To Lead: Brave Work. Tough Conversations. Whole Hearts. by Brené Brown Book: The Motive: Why So Many Leaders Abdicate Their Most Important Responsibilities by Patrick M. Lencioni   Our Favorite Quotes:   “As a leader, it can be a little tough to try to collaborate and positively move all these resources in a very emotional time for the community.” - Sarah Delahanty “I am continuously impressed with the ability of people to just lean into change, raise their hand and say, how can I help?.” - Holly Miller “If you've ever had to ask for help, whether it's through an organization or a family member or a friend, it's a humbling experience.” - Sarah Delahanty   Connect with Holly Miller:   Holly Miller on LinkedIn United Way of Midland County on LinkedIn United Way of Midland County Website Email: holly@unitedwaymidland.org   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Stock season is upon us, but what does that mean? It's the time of year when many executives receive compensation in the form of stock options, incentive stock, restricted stock, or performance stock. Here at SYM Financial, we work with some of the best executives and we have a quick word of advice we want to share in preparing for stock season. You've spent the previous year making decisions for your company's bottom line, and you're seeing the results of your leadership. Just like you make sound financial decisions for your company, you want to use your stock options as wisely as possible.    In this episode, I discuss how your team at SYM can customize a plan for you. I share how your SYM advisor can help you get the most value from your stock options. I review what your SYM advisor can do to help you during the first and second quarters of the year and how they can help you look even further into the future. I let you know how your advisor can ensure you're transacting in the most tax-efficient way, complying with holding requirements, and avoiding tax complications. I also remind you how easy it is to contact your SYM advisor.     “There's value to having a game plan and an SYM advisor is going to not only assist with the strategy, but also help with the big picture of holding requirements.” - Sarah Delahanty   This week on Executive Decisions:   Stock season is here and what that means for executives who receive stock options  How far ahead to look with your investments How your SYM advisor can help you get the most value from your stock options How your SYM advisor can help you with tax complications  How to ensure you transact in the most tax-efficient way  Reaching out to your SYM advisor    Our Favorite Quotes:   “It's very valuable to look out over the horizon for the next 12 to 18 months and analyze the stock trajectory and set some targets to help capture the most value from these programs” - Sarah Delahanty “As an executive, you can expect from your SYM team to get a custom recommendation for how to exercise your stock options for the year, and a game plan to liquidate any restricted or performance shares that you might receive as a result of some of the programs that are coming.” - Sarah Delahanty   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Melissa J. Bradberry, CPA, is a Director at Baden Gage & Schroeder LLC, one of the largest certified public accounting and business consulting firms in Indiana. With over 18 years of professional tax experience, Melissa has extensive industry knowledge with clients involved in medical industries, manufacturing and service industries, and financial institutions. Melissa joined the firm in 2018 as a tax manager, a role where she was responsible for individual and business clients. She received her Bachelor of Science degree in Accounting and Master of Business Administration degree from Arkansas State University. Melissa joins me today to share advice for dentists, physicians, and other medical professionals who have their own practice. She explains why medical practice owners must understand their year-end performance in comparison to the last five years. She discusses the different types of entities that could be set up in a medical practice. Melissa also highlights why owners should enlist the help of advisors when exiting their business and suggests other professionals practice owners should work with alongside their accountants. "Remember: you're the business owner, not just the physician, not just the dentist. It's important to understand what your revenue is doing and where your expenses are going." - Melissa Bradbury This week on The Owner's Corner: Melissa's background and why she pursued a career as a CPA Different types of business entities set up in the medical field Reasonable compensations and balancing salary and profit Effective budgeting processes and managing day-to-day cash flow as a medical practice owner Important financial statements medical practice owners need to pay attention to The challenges of finding and retaining human capital Weighing the pros and cons of having an in-house billing department rather than an external one Tax reduction strategies and retirement planning The best retirement plan in place for medical practices Preparing your medical practice for the next generation of professionals Melissa's advice on planning the successful transition of a medical practice Utilizing the services of attorneys, bookkeepers, financial advisors, and practice managers The right time to sell a medical practice Our Favorite Quotes: "When you're selling a business, the money you spend to get a proper valuation done is always money well spent." - Seth Whicker "The pandemic had a lot of medical professionals look at things differently, like having a cushion of funds and emergency funds." - Seth Whicker "Your revenue is your lifeline—you have to always monitor it." - Melissa Bradberry Connect with Melissa Bradberry: Baden Gage & Schroeder LLC Baden Gage & Schroeder LLC on LinkedIn Email: mbradberry@badencpa.com About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

In this week's episode of the Owner's Corner Podcast, host Seth Wicker is joined by Melissa Bradberry, aCertified Public Accountant, to discuss the different methods of selling a business. The two dive into the differences between a stock sale and an asset sale and why it matters for both the buyer and the seller. From tax implications to legalities, the duo covers the importance of understanding the terms and the key negotiations that can be made to bridge the gap between a stock sale and an asset sale. With insights into special tax elections and the potential tax burden on either side, this episode is a must-listen for anyone considering selling their business. On this episode I am joined by Melissa J. Bradberry, CPA, a Director at Baden Gage & Schroeder LLC, one of the largest certified public accounting and business consulting firms in Indiana. With over 18 years of professional tax experience, Melissa has extensive industry knowledge with clients involved in medical industries, manufacturing and service industries, and financial institutions. Melissa joined the firm in 2018 as a tax manager, a role where she was responsible for individual and business clients. She received her Bachelor of Science degree in Accounting and Master of Business Administration degree from Arkansas State University. "It's pretty simple. If you're the seller and you want to do a stock sale but the buyer wants to do an asset sale, come somewhere in the middle with some special tax negotiation or election to bridge that gap." Seth Whicker This week on The Owner's Corner: There are two main methods to sell a business, stock sale and asset sale. The choice between stock sale or asset sale is driven by taxation and legality. A stock sale is preferable for the seller as it results in reduced tax rates for capital gains. An asset sale is preferable for the buyer as it allows for accelerated depreciation and step up in basis. Negotiations between the buyer and the seller can be made to bridge the gap and make a deal, potentially with the use of special tax elections and additional cash changing hands. Our Favorite Quotes: "A lot of the questions that I get about somebody selling their businesses, whether I should do it as a stock sale, or an asset sale, what's the difference?" "Just generally, you know, whenever we're talking about the seller, they're gonna want a stock deal, whenever you're talking about, if you're on the side of the buyer, they're gonna want an asset deal." "Whenever you're the buyer, you're wanting to have that asset sale, because then you get, again, some preferential treatment on those assets that you're purchasing." "The key is there's a way to make it work to bridge the gap that it's not an all or none." Connect with Melissa Bradberry: Baden Gage & Schroeder LLC Baden Gage & Schroeder LLC on LinkedIn Email: mbradberry@badencpa.com About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Mauro Gregorio is the President of Performance Materials & Coatings at Dow, a chemical manufacturing company operating since 1897. Dow runs the Performance Materials & Coatings group—one of the three key businesses—with annual sales of over $9 billion. Mauro has been with Dow for almost four decades and has held various executive positions. As President, Mauro specializes in business strategy, international markets, and executive management.   Mauro joins me to describe Dow's business culture, diversity and inclusion program, and welcoming atmosphere. He recounts his first job and responsibilities at Dow and what he learned while holding an entry-level position. He explains the importance of humility, asking for help, and ensuring someone is there to help. Mauro also discusses how the pandemic initiated changes in the workplace—particularly in how we work—and how it disrupted the way we value work relationships.   “Having the humility to ask for help is important and having somebody on the other side willing to help is critical.”- Mauro Gregorio   This week on Executive Decisions:   How Mauro got started with Dow and what his first job was like The best part about being in an entry-level job How Mauro developed his customer-centric mindset The critical learning moments that build values and objectives internally How Dow developed a flourishing culture of diversity and inclusion Dow's diversity program and how it stems from management How Covid-19 changed the way we connect and relate to each other Why social media makes succeeding in a career intimidating Mauro's hobbies outside of work and his passion for astronomy Mauro's thoughts on learning every day and being motivated   Our Favorite Quotes:   “People don't tolerate an environment not conducive to fun and being welcoming.”- Mauro Gregorio “We need to embrace the feedback and change if the feedback points us to an issue that needs adjusting.” - Sarah Delahanty “Successful effort is creating great frameworks for people.” - Sarah Delahanty   Connect with Mauro Gregorio:   Dow Mauro Gregorio on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace to managing company politics to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution, or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time-sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees, and objectives can be found in our Form ADV Part 2, which is available upon request.

Greg Marken is the President, CEO, and Treasurer at Advanced Emissions Solutions (ADES). ADES works with municipal water, coal-fired power generation clients, and other industries by providing emissions control and water purification solutions. Greg has been at the helm of ADES since July 2020. He also serves as a manager on the Board of Managers of Tinuum Group and as a manager and officer of other ADES subsidiaries. He has over 15 years of experience in leadership roles, finance, and accounting.    Greg joins me today to describe the qualities that elevate a leader's skills, especially when leading various teams. He shares what he learned from his first job experience and what it was like doing manual labor at a ranch. He explains how a person becomes a leader and highlights the knowledge necessary to hone those leadership skills. Greg also discusses his personal life, including hobbies, his family, and what his Ted Talk would be about.   "It's not about immediate rewards per se, but continuing to make yourself better on a day-to-day basis." - Greg Marken   This week on Executive Decisions:   Greg's first job and what he learned from it Greg's experience working on the ranch The athletic influence that shaped Greg's personality and passion How a person develops their inner leadership traits What leaders can learn from their teams Making decisions for the betterment of the organization Greg's life outside work What a good team looks like for a leader What Greg would do if he could start over again   Our Favorite Quotes:   "You have to be strong enough to be okay with being questioned." - Greg Marken "People are not giving you more opportunity if you're not delivering." - Sarah Delahanty "I don't think everybody shows up on day one of leadership 101 class and lets their leadership skills out." - Sarah Delahanty   Connect with Greg Marken:   Advanced Emissions Solutions Greg Marken on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Scott Tucker is a board member and the Co-President of Maple Leaf Farms, a multi-generational family-owned company and America's leading producer of quality duck products. A third-generation family member, Scott began working in the company as a teenager. Today, as Co-President, he leads operations, quality assurance, live production, distribution, and the National Duck Council. He holds a Bachelor of Science degree in Management from Purdue University and a Master of Business Administration degree from the University of Wisconsin-Madison. Zachary Tucker is the Retention and Efficiency Manager of Maple Leaf Farms and a fourth-generation family member. Zach has been working for over ten years at Maple Leaf Farms, where he began as a special projects coordinator in the company's live production department. He graduated with a degree in Animal Agribusiness from Purdue University, where he is currently pursuing a Master's in Agricultural Economics. Scott and Zach join me today to discuss the dynamics of running a family business. They describe the history of Maple Leaf Farms and how they have grown into one of the primary duck breeders in the world. They explain how Maple Leaf Farms is addressing labor shortages in the duck industry through automation and investment in apprenticeship programs. They also highlight the value of innovation and underscore the challenges and benefits of running a family business. "When it comes to a family business, you have to be good stewards of the business first—otherwise, the business will not be there to take care of the family." - Zach Tucker This week on The Owner's Corner: Scott and Zach's background and the history of Maple Leaf Farms How Maple Leaf Farms' duck business has evolved through the years Compliance and regulations related to selling poultry to other countries The growth process of ducks and how they compare to other poultry Maple Leaf Farms' customers and distribution size in the United States Labor and employee retention challenges in the duck and agriculture industries Maple Leaf Farms' employment rates Biosecurity and preventing avian disease Overcoming the challenges of transitioning a business across generations How Maple Leaf Farms is developing its succession plans for family members The benefits and advantages of running a family business The importance of having a fiscally responsible outlook The value of innovation and how Maple Leaf Farms became ahead of its time How the 2008-09 financial crisis impacted Maple Leaf Farms and how the business navigated it Understanding the duck business's global market and Zach's growth forecast for the duck industry Our Favorite Quotes: "Running a family business isn't just an 8 to 5 job. You need to have the support of the family and understand that you're all in this together." - Seth Whicker "In poultry—and in agriculture, in general—you'll have to constantly reinvest in things like new technology." - Zach Tucker "Evolution is about innovation. Look at the core problems and obstacles of growing your business and innovate to move past them." - Scott Tucker Connect with Scott Tucker: Scott Tucker on LinkedIn Connect with Zach Tucker: Zachary Tucker on LinkedIn Connect with Maple Leaf Farms: Maple Leaf Farms Website Maple Leaf Farms on Linkedin Maple Leaf Farms on Facebook Maple Leaf Farms on Instagram Maple Leaf Farms on Twitter Maple Leaf Farms on YouTube About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Julie Fasone Holder is the woman behind JFH Insights, an executive coaching business that supports leaders and influencers in developing advanced leadership strengths and bringing more value to the companies they represent. Before founding JFH Insights, Julie was the former Senior Vice President of Dow Chemical. With Dow, Julie accumulated extensive experience running multi-billion dollar business portfolios. She also spent a few years running public and government affairs for them.   Julie joins me today to describe her professional experience and the challenges she encountered by being a woman in the corporate world. She explains the critical differences between mentors and sponsors and how they can elevate your career. She shares actionable advice with those just getting started and those looking to climb the corporate ladder. Julie also discusses the unwritten rules in corporate, how to balance family and work as a woman, and her hobbies outside of work.   “You can't change your brand if you don't know what that is.” - Julie Fasone Holder   This week on Executive Decisions:   Who Julie Fasone Holder is and the various executive positions she's held Where Julie got started and her first job in San Francisco Why sales is a great entry point for most professions Julie's advice to someone just getting started Learning the difference between a mentor and a sponsor The benefits of partnering with a sponsor What women need to help them reach higher in the corporate world Why women need to think in shades of gray The unwritten rules in business most people don't understand What women can do to enhance their brand Why committing to diversity, inclusion, and equity is good for companies in the long-run What Jolie does outside of work and her passion for traveling   Our Favorite Quotes:   “Find people you can go to for professional advice.” - Julie Fasone Holder “Being a mom and having family responsibilities and trying to balance it a little differently, you're kind of few and far between as a female.” - Sarah Delahanty “So many parents feel a certain obligation to be there for all the things. It can be challenging when there's a large responsibility on someone's plate professionally.” - Sarah Delahanty   Connect with Julie Fasone Holder:   JFH Insights Julie Fasone Holder on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time-sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Sebastian Soria is the Vice President and Total Rewards Officer at Newmont Corporation—one of the world's leading gold, copper, silver, lead, and zinc producers. The company is notably the only gold producer in the S&P 500 Index and is recognized as a champion for ESG practices. Sebastian has over 28 years of experience in the financial industry, spending over 26 years with Dow in various leadership roles, including human resources and compensation. He holds a Master of Business Administration degree from IAE Business School and a degree in Labor Relations/HR from the University of Buenos Aires.   Sebastian joins me today to describe his humble beginnings and the events that led him to pursue a career in human resources in the financial industry. He shares some of his learnings from his first few years as a professional. He discusses the differences in working cultures in Argentina and the US. He explains what he looks for in future leaders and what sets them apart from the average high-performer. He highlights the importance of feedback and cultivating a culture that lets anyone give their opinion of someone else's performance. Sebastian also reveals the best skills to work on if you want to move up the corporate ladder.   "Make sure you're generating an environment where people at all levels are comfortable sharing feedback." - Sebastian Soria   This week on Executive Decisions:   Experiences that shaped Sebastian's career path What Sebastian learned from his first job Sebastian's advice to someone who feels their first job is thankless What it was like being a full-time student and a professional at the same time The differences between Argentinian and American work culture Why he pursued a career in human resources What Sebastian would have done differently early in his career The difference between high-performers and future leaders What Sebastian looks for when hiring for management positions How Sebastian continues to learn at this stage of his career How Sebastian learns from others The best things to invest in for career growth Finding opportunities we may not initially see Sebastian's hobbies outside of work The essential financial principles that helped Sebastian achieve his goals   Our Favorite Quotes:   "You have to be great in what you're doing every day in your current role to be the CEO." - Sarah Delahanty "Always keep an open door on feedback." - Sarah Delahanty "It's hard to love every single moment of every job you have." - Sebastian Soria   Connect with Sebastian Soria:   Newmont Corporation Newmont Corporation on LinkedIn Sebastian Soria on LinkedIn   About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Jeff Taner is a certified public accountant and Managing Partner of DWD CPAs & Advisors, a firm that offers tailored assurance, tax, and accounting services for businesses, individuals, and nonprofit organizations. Jeff has been serving DWD CPAs & Advisors for over 40 years. After graduating from Indiana University at Fort Wayne with a degree in Business Accounting, Jeff began his career in the company in 1982 and became a partner in 1996. In 2009, Jeff began his role as the Managing Partner for the company. He is a member of the American Institute of Certified Public Accountants and the Employee Benefit Plan Audit Quality Center. Jeff joins us today to discuss taxation for different business organizations. He shares his background and explains why he decided to pursue a career as a certified public accountant. He differentiates S corporations from C corporations and outlines the benefits and challenges of such business structures. He describes the process of liquidating S and C corporations and offers advice to business owners who want to transition their business to family members. Jeff also shares his thoughts on setting up a business partnership and underscores what business owners should consider when making the switch between S and C corporations "An LLC is like a chameleon: it can be taxed as about anything—a sole proprietorship, an S corporation, a partnership, and even as a C corporation." - Jeff Taner This week on The Owner's Corner: What motivated Jeff to pursue a career in accounting The best part about working with business owners The different tax structures of corporations The difference between an S corporation and a C corporation Self-employment taxes on proprietorship income The benefits and challenges of setting up an S or C corporation The taxation behind liquidating S corporations and C corporations Stock and asset sales and what it means to recapture depreciation Common mistakes business owners make when selling their companies or transitioning them to family members Jeff's advice to business owners who want to transition their companies to family members Appropriate business expenses and utilizing donor-advised funds and charitable contributions Record keeping and how long business owners should keep receipts and tax records Our Favorite Quotes: "For the S corp, the profits that are distributed show up on the K-1 and that's where you pay your taxes." - Seth Whicker "Don't spend your money just to reduce your tax bill. It will probably not work out to your advantage when you look at the net cash that's left over when it's all said and done." - Jeff Taner "One of the biggest advantages you can get with health savings accounts is the tripled tax benefits." - Seth Whicker Connect with Patrick Galvin: DWD CPAs & Advisors DWD CPAs & Advisors on LinkedIn Patrick Galvin on LinkedIn Email: jtaner@dwdcpa.com About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Jimmy Greene is the President & CEO of Associated Builders & Contractors (ABC) of Michigan, a trade association representing Michigan's commercial and industrial construction industries. He is the first Black CEO in the organization's 60-year history. Jimmy is also the founder of Total Solutions Group in Saginaw, a firm specializing in technology project consulting and telecommunications. Before becoming the President of the ABC of Michigan, he served as president and CEO of Associated Builders & Contractors, Greater Michigan Chapter and the Greater Michigan Construction Academy.   Jimmy joins me to share his journey from a rocky childhood to becoming the first Black CEO of ABC of Michigan. He explains why he never wanted to be like his parents growing up and how a family tragedy became a turning point in his life, ultimately making him pursue greatness. He highlights why every contribution to your community is essential to at least one person. He discusses why leadership programs should be reviewed and why he believes there are too many leadership books. Jimmy also shares why he believes life is all about doorknobs and why your community is like a bank.   "We have to treat the community like a bank. You can't withdraw more than you deposit." - Jimmy Greene   This week on Executive Decisions:   Jimmy's accomplishments across various industries Jimmy's first professional experience Why Jimmy didn't want to be like his parents How a tragedy became a turning point for Jimmy Jimmy's advice to those who are rushing at life How you can have intentional contributions The experiences that contributed to Jimmy's current leadership role Leadership programs and why Jimmy believes we should ‘scrap them' Why life is all doorknobs Jimmy's interests outside of work   Our Favorite Quotes:   "Every single contribution, every single moment of my time meant some difference to one person." - Jimmy Greene "The social contract we all need to understand is we're making deposits and withdrawals, and we want to make sure we don't outweigh our withdrawals against our deposits." - Sarah Delahanty "Influences shape your decisions and shape your founding principles of who you are." - Sarah Delahanty   Connect with Jimmy Greene:   Associated Builders & Contractors of Michigan Jimmy Greene on LinkedIn     About SYM Financial and Executive Decisions Podcast   Executive Decisions is a show for business leaders. In each episode, host and financial advisor Sarah Delahanty sits down with executives and local experts who serve them. Together, they tackle some of the harder questions that business leaders face today. From inspiring creativity in the workplace, to managing company politics, to making the best choices with executive compensation, taxes, and lifestyle — our show delivers stories and lessons learned across many industries and lifetimes.    Email Sarah at sdelahanty@sym.com with questions, comments, and to schedule a one-on-one conversation.    Follow Sarah on LinkedIn Follow SYM Financial on Facebook   Subscribe here:   Apple Podcasts  Amazon Music/Audible Spotify Stitcher   And, if you enjoy the show, please leave a review to help others discover the podcast.   Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors (“SYM”) immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.

Tom Ackmann is a principal and senior retirement plan advisor at SYM Financial Advisors, an RIA firm with a long history of serving plan sponsors and their employees. He previously worked as the Vice President of Baden Retirement Plan Services and the Vice President for Ascensus. At SYM, Tom leads a team that advises over 100 corporate clients and 10,000 participants. Tom holds a degree in Communications/Political Science from Concordia University Chicago. Tom joins me today to discuss retirement plans and how to find the right one for your company. He explains which plans offer flexibility and outlines their components. He also highlights why business owners should consider offering retirement plans to employees and underscores the value of working with advisors to work out retirement plans. "Understand that as your business evolves, your retirement plan evolves, too." - Tom Ackmann This week on Originators: Tom's background and his journey in the retirement planning industry The concept of compensating factors The difference between defined benefits and defined contribution SYM's "Three Uniques" and taking on fiduciary responsibilities The three investment models SYM offers their clients Encouraging people to save and invest even in down markets The pendulum in the 401(k) space and why today's younger people are more interested in 401(k) plans The components of a 401(k) plan Why business owners should offer 401(k) plans to their employees Incubator plans and making the 401(k) transition easier Why business owners should know every retirement plan option Why health insurance is the most popular benefit among companies Holding retirement plan providers accountable The value of working on retirement plans with trusted advisors Our Favorite Quotes: "The eighth wonder of the world is compounding money." - Seth Whicker "Even though you're young, you want to retire someday. To do that, you've got to rely on yourself by saving early and often." - Seth Whicker "You don't make a profit off of the 401(k) plan. What you're making is goodwill for your employees and, if it's designed properly, goodwill for yourself." - Tom Ackmann Connect with Tom Ackmann: SYM Financial Advisors SYM Financial Advisors on LinkedIn SYM Financial Advisors on Facebook Tom Ackmann on LinkedIn About SYM Financial and The Owner's Corner Podcast The Owner's Corner is a show for business owners. In each episode, host and financial planner Seth Whicker sits down with business owners and the professionals that serve them to talk about what it takes to build a business. Our guests come from many industries and walks of life to share their biggest wins, mistakes made along the way, and their thinking about the all-important exit planning. Email Seth at swhicker@sym.com with questions, comments, and to schedule a one-on-one conversation. Follow Seth on LinkedIn Follow SYM Financial on Facebook Subscribe here: Apple Podcasts Spotify Google Podcasts TuneIn Amazon Music / Audible And, if you enjoy the show, please leave a review on iTunes to help others discover the podcast. Disclosure: The information contained in this message (including any attachments) is confidential and may be privileged. It is intended only for the recipient(s) named above. If you are not the intended recipient, you are hereby notified that any review, dissemination, distribution or copying of this message is strictly prohibited. If you have received this communication in error, please notify SYM Financial Advisors ("SYM") immediately and destroy the material in its entirety. All communications requiring immediate attention or action, such as trade requests or other time sensitive matters should not be sent to SYM via email. Internet communications cannot be guaranteed to be secure or error-free as information may arrive later than intended, be intercepted, be corrupted, or contain viruses. This material is not an offer or solicitation to buy or sell any product. The opinions expressed herein are those of SYM and are subject to change without notice. To the extent that performance information is contained in this email, past performance is not indicative of future results. SYM is an independent registered investment adviser. More information about SYM including our investment strategies, fees and objectives can be found in our Form ADV Part 2, which is available upon request.