Grow Your Business and Grow Your Wealth

Can your business run without you, or do you simply own a very demanding job?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Alan Franks, founder of the Business Planning Institute and author of Empowered Money. Alan shares why many entrepreneurs get trapped inside the businesses they build, how business owners can create real financial freedom, and why your company should be treated as a valuable asset, not just a paycheck.Alan also breaks down the “Italy Test,” the importance of liquidity, smart debt, better business systems, and why every business owner needs a strong professional team. This conversation is honest, practical, and packed with advice for owners who want their business to work for them, not consume them. Key Takeaways:→ Your business should create personal wealth, not just income. → If you cannot leave for two to three weeks without losing income or facing chaos, your business may not pass the “Italy Test.” → Business owners need systems, checklists, and SOPs so the company can operate without everything living in their head. → Liquidity matters because it gives business owners safety, options, and the ability to act when opportunities appear. → Every business owner should rank their accountant, attorney, banker, financial advisor, and other professionals from one to ten. Weak advisors hold the business back. → Entrepreneurship is not always freedom. Without structure, it can become another form of being trapped. Quote:“Until then, you just own a job.” Connect with Alan Franks:Visit the Business Planning Institute: https://thebusinessplanninginstitute.com/Learn more about Empowered Money: https://empowered-money.com/Connect with Gary Heldt:Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

What if the biggest threat to your business is growing too fast?This week on Grow Your Business & Grow Your Wealth, host Gary Heldt sits down with franchise powerhouse Terry Blachek, Managing Director at Franvest Capital Partners and one of the original partners behind Orangetheory Fitness.With more than 35 years of experience scaling brands, building teams, leading sales and marketing, and making investment decisions, Terry shares the lessons that helped turn a bold boutique fitness concept into a global powerhouse with more than 1,500 locations across 23 countries.From evaluating unit economics and solving real customer problems to building advisory boards and avoiding costly growth mistakes, this episode is packed with real world advice for entrepreneurs, franchise owners, investors, and business leaders ready to scale smarter. In this episode, you will discover:→ Why the best businesses solve problems, not just sell products.→ The three things Terry looks at before investing in any company.→ Why undercapitalization quietly kills great businesses.→ How poor systems can destroy fast growth.→ Why documented processes are critical before opening location number two.→ The exact makeup of a powerful personal advisory board.→ How confidence grows when you surround yourself with the right people.→ Why perspective may be one of your greatest leadership tools.About Our GuestTerry Blachek is Managing Director at Franvest Capital Partners and a veteran fitness and franchise executive with more than 35 years of experience scaling businesses. As an original partner of Orangetheory Fitness, Terry helped shape the company's signature pre sale model and later built Austin Fitness Group into one of the largest franchise groups in the system. Today he continues to influence brands as an investor, keynote speaker, advisor, and host of Tuesday with Terry, now more than 100 episodes strong.Connect With TerryConnect with Terry Blachek on LinkedIn:https://www.linkedin.com/in/terry-blachek-78431a174/Listen to Tuesday with Terry on Apple, Spotify, and major podcast platforms.

What hidden tax risks could be quietly threatening your business growth?On this episode of Grow Your Business & Grow Your Wealth, guest host Jack Reeder sits down with Brian Weaver, CPA, MBA, a tax technology consultant with deep expertise in transaction taxes, automation, compliance systems, and digital transformation.This is not a conversation about boring tax forms.It is a conversation about risk, growth, systems, and why many business owners do not realize they may have exposure until an audit, penalty, or costly mistake forces attention.Brian shares fascinating stories, including how businesses have been put out of business by missing multistate tax obligations, why the 2018 Wayfair ruling changed everything, and how automation and AI are reshaping tax strategy for the future.If you think taxes are just something your accountant handles once a year, think again.In this episode:→ Why the biggest tax risks are often hiding in ordinary business activity.→ How the Wayfair decision changed compliance for businesses in every state.→ The costly mistakes companies make by relying on outdated processes.→ How automation and AI are transforming tax management.→ Why “that's how we've always done it” can become an expensive habit.→ What every business owner needs to know about where they are doing business and the risks that creates.Memorable quote from Brian Weaver:"Know where you're doing business, how you're doing business, and the potential implications of not doing the right thing."That is not just tax advice. It is business survival advice.This episode makes a compelling case that good tax strategy is not defensive. It is a competitive advantage.Listen in and discover why protecting wealth often starts with asking better questions.Connect with Brian Weaver on LinkedIn: https://www.linkedin.com/in/brian-weaver-cpa-mba-a22510/For more information on Guest Host:Jack W. Reeder, CLU®, ChFC®Chartered Financial Consultant978-335-2267

What if the real secret to success was never missing… just incomplete?In this powerful episode of Grow Your Business & Grow Your Wealth, John Mitchell shares how discovering the “other half” of Think and Grow Rich transformed his income, mindset, and life.At age 50, John realized his results were not matching his potential. After immersing himself in the world's most famous success book, he uncovered what he calls the missing secret and created a 12 minute daily practice built on neuroscience, subconscious rewiring, and what he calls the science of leveraging yourself.Today, that methodology is taught at University of Texas McCombs School of Business and used with elite athletic coaches and entrepreneurs seeking a serious edge.SummaryThis conversation goes far beyond motivation. Gary and John explore why most people are operating on autopilot, why daily unconscious habits drive outcomes, and how clarity paired with repetition can dramatically change performance.John explains how a simple 12 minute daily habit helped him increase his income 25 times, and why success may depend less on working harder and more on rewiring how you think.Key Takeaways→ The full secret of Think and Grow Rich and what John believes most readers miss→ Why 95 percent of daily thoughts and actions may be unconscious→ How a 12 minute daily habit can help rewire your internal autopilot→ Two scientific principles John says can unlock massive achievement→ How his AI driven framework personalizes success for each individual→ Why high achievers need an edge and how to create one “What you envision in detail, with emotion on a daily basis is what shows up in your life.” - John MitchellSpecial Gift From JohnJohn is offering listeners a free 9 minute video explaining the missing secret, the science behind his method, and how his success template works.Visit: https://themissingsecret.org/Watch the free training and, if it resonates, explore his book The Missing Secret of the Legendary Book Think and Grow Rich.Connect With John MitchellConnect with John on LinkedInVisit https://themissingsecret.org/Connect With Gary HeldtVisit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/If this episode sparked something for you, follow the show, share it with another entrepreneur, and leave a review. It helps more business owners find conversations like this.

What if the biggest risk in franchising isn't the business… but how you choose it?Franchising is often misunderstood, and that misunderstanding can cost entrepreneurs time, money, and freedom. In this episode, Gary Heldt sits down with Kimberley J. Daly, a nationally recognized franchise consultant and business coach, to break down what really matters when evaluating a franchise opportunity.With more than two decades of experience, Kimberley has helped thousands of entrepreneurs move from curiosity to confident ownership. She shares the truth about franchising, the costly mistakes people make, and why mindset plays a bigger role in success than most people realize.This conversation goes beyond strategy and into the psychology of ownership, helping you understand how to choose the right business and build long term wealth the smart way.

What if passive income is not about chasing the latest flashy strategy, but about getting clear on what you actually want, understanding the risks, and choosing investments that fit your life?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt talks with Ryan Gibson, President and Chief Investment Officer of Spartan Investment Group. Ryan shares how his journey from airline pilot to real estate investor led him to build a firm that helps investors participate in self-storage without taking on the day-to-day burden of ownership. The conversation covers common investor mistakes, how self-storage really works, where investment capital can come from, and why clarity matters more than hype when building long-term wealth.→ Ryan explains why many high-income earners jump into real estate before deciding whether they actually want an active business or a passive investment.→ He breaks down several ways investors may fund real estate opportunities, including cash, 401(k) loans, leveraged stock accounts, HELOCs, life insurance strategies, and self-directed IRAs.→ Gary and Ryan discuss the difference between direct ownership in a real estate deal and investing through a REIT, especially when it comes to control, tax treatment, and understanding the actual asset.→ Ryan shares what Spartan looks for in self-storage opportunities, including supply and demand, visibility, density, future buyer interest, and rent growth potential.→ The episode also highlights why self-storage performs across changing economic conditions, driven by life events, business needs, downsizing, moving, and renovation. Ryan says about 70 percent of customers are driven by life transitions, while the other 30 percent are business users.→ Ryan closes with practical advice for high earners who make high income but may not be paying enough attention to what they actually keep after taxes, fees, and poor planning.Listen in for a grounded conversation on passive income, diversification, and why the right professional team can make all the difference.More about Ryan:Ryan Gibson | President & Chief Investment Officer Spartan Investment Group | 1633 Westlake Ave N. Suite 120, Seattle, WA 98109 C: 202.696.5112 Website | Invest in Our Values More about Gary:Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

Most business owners are focused on the day-to-day. The problem is… that mindset is quietly limiting their growth.In this episode of Grow Your Business & Grow Your Wealth, guest host Jack Reeder sits down with Grant Daffin, CPA and founder of Daffin Financial, to talk about what really drives long term success for entrepreneurs.Grant shares his journey from public accounting at EY and internal audit at US Bank to launching his own firm, driven by a desire to build a better culture and deliver more meaningful value to clients. The conversation goes deep into the gaps most business owners do not see until it is too late, including poor financial visibility, lack of internal controls, and waiting far too long to think about tax strategy or exit planning.One of the biggest takeaways is simple but powerful: many business owners are operating without any real financial plan at all. Grant explains why that is one of the most common and costly mistakes he sees, and how investing time and resources into financial planning can dramatically improve outcomes.This episode also covers the difference between bookkeeping, controller services, and fractional CFO support, helping business owners understand when it is time to level up their financial operations.→ Many business owners wait too long to plan for taxes or an exit → Financial statements are often inaccurate without proper oversight → Internal controls are critical once a business begins to scale → Most entrepreneurs are operating without a true financial plan → Investing in planning can unlock significantly more growth potential → AI can support efficiency, but expertise and human insight still matterLearn more about Grant Daffin and Daffin Financial:https://www.daffinfinancial.com/For more information on Guest Host: Jack W. Reeder, CLU®, ChFC®Chartered Financial Consultant978-335-2267

What if the biggest mistake in commercial real estate isn't the deal… but how you prepare for it?In this episode, host Gary Heldt sits down with David Kotter, CEO and President of Hybrid Debt Fund and Integrity Capital, LLC. With over $2 billion funded across the U.S., David breaks down how commercial lending really works and why most business owners walk into deals unprepared.From misunderstood financials to creative lending strategies, this conversation pulls back the curtain on what lenders actually look for and how smart investors are winning in today's market.If you think getting a commercial loan is just like getting a mortgage… you're already behind.

What if the biggest threat to your retirement is not the market, but the taxes you failed to plan for?In this episode, host Gary Heldt talks with Erik Brenner, CFP and CEO of Hilltop Wealth & Tax Solutions, about why affluent professionals, physicians, and business owners need more than investment advice and annual tax prep. Erik explains what it really means to act as a Personal CFO and why true wealth planning should coordinate tax strategy, retirement income, estate planning, and long-term decision-making under one roof. Erik breaks down the difference between tax preparation and tax planning, why deferring taxes is not the same as mitigating them, and how many retirees are shocked to discover they may pay more taxes later than they did while working. He also explains why required distributions, longer life expectancy, and poor asset positioning can quietly create major problems in the second half of wealth. If you have ever assumed your CPA, advisor, and attorney were all on the same page, this conversation may make you think again.Key Takeaways→ Wealth planning works best when tax, legal, insurance, and investment decisions are coordinated instead of handled in separate silos. → Tax preparation and tax planning are not the same thing, and many people are not getting the deeper planning they think they are. → Required IRA and 401(k) distributions can push retirees into much higher tax brackets than expected. → Deferring taxes is not the same as reducing taxes. Strategy matters. → Estate planning is still a major gap, with Erik noting that about two-thirds of people do not have an estate plan in place.Connect with Erik on LinkedIn: https://www.linkedin.com/in/erikbrenner/Visit Website: https://www.hilltopwealthtax.com/Enjoyed this episode? Subscribe to Grow Your Business & Grow Your Wealth, leave a review, and share it with a business owner or professional who needs to think beyond tax prep and start planning for lifetime wealth. Visit Gary Heldt's website at https://www.sbadvisors.cc/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

Are you the reason your business cannot grow? In this episode, host Gary Heldt sits down with Charles Gaudet, Founder and CEO of Predictable Profits, to unpack why so many businesses stall after early success. Charles explains the reality of the founder's trap, where growth built on hard work, referrals, and hustle eventually turns into chaos and dependency on the owner.He breaks down how business owners become the center of everything, from sales to operations, and why that structure makes scaling nearly impossible. The conversation also dives into the shift from reactive workdays to strategic leadership, and how AI is already changing how customers make decisions.This is a powerful discussion for business owners ready to stop doing everything and start building a business that runs and grows without them.Key Takeaways:→ Most businesses are built on effort, not systems, which limits growth→ The founder often becomes the biggest bottleneck in the company→ Growth requires moving from doing the work to leading strategically→ Reactive days kill progress while intentional planning drives results→ AI is already reshaping the buyer's journey and business visibility→ The right mindset turns problems into opportunities for innovationConnect with Charles on LinkedIn: https://www.linkedin.com/in/charlesgaudet/ If you want to grow your business without burning out, this episode is for you. Be sure to follow, like, and subscribe to Grow Your Business and Grow Your Wealth so you never miss an episode.

Growing a business is exciting until the numbers stop making sense.In this episode of Grow Your Business & Grow Your Wealth, Guest Host Jack Reeder sits down with Patricia Santayana, CPA, President of Delphi Advisory Services, to talk about what smart financial leadership really looks like for business owners who want to grow without losing control of their numbers. Patty explains why many business owners think they are doing well because revenue is coming in, while missing the bigger issue of cash flow, financial visibility, and long term planning. She also shares why there is a major difference between bookkeeping, tax prep, and true advisory support.Patty breaks down the moment when a business owner needs to stop wearing every hat, why looking only at an income statement can be misleading, and how better financial systems help owners set real goals instead of vague hopes. She also explains that many businesses do not fail because of one giant crisis. They fail because of the small financial leaks nobody addressed early enough. → Why a profitable business can still be cash-strapped → Why business owners need to look beyond the income statement → The difference between bookkeeping, tax strategy, and CFO level advisory support → Why hitting about $500,000 in revenue can signal the need for stronger financial leadership → How SMART goals help owners move from reacting to planning → Why underpricing is still one of the biggest mistakes business owners makeTo learn more about Patricia Santayana and Delphi Advisory Services, visit DelphiAdvisoryServices.com. Connect with Guest Host Jack Reeder: Home | The Bulfinch Group | Needham, MA

Are you building a business… or building something you can actually walk away from?In this episode, Tyson Ray, CEO of FORM Wealth Advisors and creator of the SPACE™ Framework, breaks down what most business owners avoid thinking about until it's too late… how to exit well.With over 25 years in wealth management, Tyson shares the real truth about succession planning, why it's not a one-time event, and how emotional decisions can cost you everything you've built.This conversation goes beyond strategy. It gets into identity, control, leadership, and what it actually takes to transition your business without regret.➡️ Key Takeaways → Succession planning is not an event… it is an ongoing process → Your business should not be your only asset or your only retirement plan → Most owners either over-invest in the business or extract too much… balance matters → If your business depends entirely on you, it's not a business… it's a job (or multiple jobs) → The SPACE™ Framework helps you see, prepare, act, commit, and exit with intention → You must allow your team to fail in order for them to grow and eventually replace youConnect with Tyson RayFind Tyson on LinkedIn or visit: https://totalsuccession.comConnect with Gary:Visit Small Business Advisors website: https://www.sbadvisors.cc/LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

What if the biggest mistake in exit planning is waiting until you are ready to leave?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with David Flores Wilson, Managing Partner at Sinceres Advisory, to talk about what business owners often miss when it comes to financial planning, business value, and long-term freedom. This is not just a conversation about retirement accounts or investments. It is about building a business that creates real value, understanding your true financial freedom number, and preparing for an exit that protects both your money and your purpose.David explains why financial planning for entrepreneurs is different from traditional retirement planning, why so many owners wait too long to prepare, and why the right team matters more than ever. Gary and David also dig into the emotional side of leaving a business, including identity, family conversations, and what life looks like after the deal is done.6 Key Takeaways→ Exit planning is not a last-minute event. It is a long-term process that should start earlier than most business owners think.→ A stronger exit plan can make your business more valuable even if you never sell it.→ Your business may be your best investment, so blindly pulling money out to diversify is not always the smartest move.→ Owners need to know their real expense level so they can calculate a true walk away financial freedom number.→ Selling a business without a plan for purpose, time, and identity can create regret even when the money is there.→ The best outcomes happen when the business owner, CPA, attorney, and financial advisor work together instead of in silos.To learn more about David Flores Wilson and explore his personal finance blog for business owners, check out Planning to Wealth and book a consultation to talk through your situation.connect with David on LinkedIn: https://www.linkedin.com/in/david-flores-wilson-cfp%C2%AE-cfa-02b5a/

Most business owners think valuation matters only when they are ready to sell. Bethany Hearn explains why that mindset can cost owners money, lead to avoidable disputes, and leave major risks hidden in plain sight.In this episode, guest host Jack Reeder sits down with Bethany Hearn, CPA, ABV, and CFF, to talk about business valuation, forensic accounting, succession planning, and the legal and financial blind spots that can hurt business owners when they least expect it. Bethany shares why valuation should begin years before a sale, how poorly written agreements can create costly conflicts, and what owners can do now to protect value, legacy, and peace of mind.Key Takeaways→ Valuation is not just for selling your business. It is critical for succession planning, estate planning, shareholder changes, and dispute prevention.→ Waiting until the last minute can reduce the value you are able to create or protect.→ Forensic accounting can uncover hidden risks inside your business, especially when too much financial responsibility sits with one person.→ Poorly written buy-sell agreements can create confusion, surprises, and costly litigation.→ Different industries require different valuation lenses, especially when capital needs, cash flow, and risk vary.→ Verbal agreements in family and farming businesses can become major legal problems when expectations are not clearly documented.This episode is guest-hosted by Jack Reeder, who leads a thoughtful conversation focused on helping business owners understand value, reduce risk, and make smarter decisions before problems arise.Connect with Bethany Hearn to learn more about business valuation, forensic accounting, transaction services, and how to protect your business before a transition or dispute puts pressure on the numbers.For more information on Guest Host: Jack W. Reeder, CLU®, ChFC®Chartered Financial Consultant978-335-2267

What if financial freedom is not about retiring early, but about building enough income and confidence to finally choose how you live and work?In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt talks with Daniel Alonzo about what it really takes to build financial independence. Daniel shares how he shifted from simply selling to building a scalable business, why passive income changed his life, and how systems, mentorship, and personal growth helped him create long term freedom. This conversation is a strong reminder that wealth is not accidental. It is built through discipline, leverage, and the willingness to stay coachable.→ Financial freedom means having enough income and investment growth to support the lifestyle you want whether you are working or not.→ Passive income is not magic. It comes from building something that can keep producing through people, systems, and duplication.→ Business owners who want to grow cannot stay trapped in doing everything themselves. Real scale comes from systematizing what works and teaching it well.→ Community and mentorship matter because the right people can help you think bigger, move faster, and avoid staying stuck in your own blind spots.→ Coachability is a wealth skill. Ego can hold people back, while learning from others can open the door to bigger results.→ Wealth is not just about money. It is about purpose, freedom of choice, and building a life you actually want to live.Connect with Daniel Alonzo through Wealth on the Beach, explore his books, and learn more about his coaching community and wealth building philosophy. Join the club: https://wealthonthebeach.com/homeDaniel's LinkedIn: https://www.linkedin.com/in/danielalonzo8/Connect with Gary on LinkedIn: https://www.linkedin.com/in/gary-d-heldt-jr/

Ever feel like you can make good money and still lose the game because too much of it walks out the door?In this episode, Gary sits down with a multifamily investor who watched a massive real estate downturn up close, then rebuilt by learning how syndication works and how investors think about cash flow, taxes, and long-term ownership. They dig into cost segregation, bonus depreciation, and why mindset matters when you are running deals in a world you cannot control. 6 key takeaways → Market cycles are real, and over-leverage, plus building to sell instead of building to hold, can turn a boom into a brutal bust fast. → Syndication is one way investors pool capital to buy apartments together, starting smaller to build a track record before scaling up. → Know your role before you invest: general partners run the deal, limited partners stay passive, and the work plus risk profile is different. → Cost segregation can compress depreciation into a shorter window, which can create large write-offs when the math makes sense. → A resilient mindset is not motivational fluff; it is required because you do not control markets, interest rates, or tenant behavior. → The wealth game is not only income, but it is also retention: it is not about the money you make, it is the money you keep. If this episode sparked questions about real estate investing, syndication, or tax strategy, connect with Gary and share what you are trying to build. For more from the guest, start with YouTube by searching “Justin Brennan multifamily” and visit justincbrennan.com.

What if the key to entrepreneurial success wasn't just about capital, but about finding your “good peoples”? This week's guest, Brandon Na, founded his venture firm on this very principle, a concept born from a lifelong friendship and a desire to build a network of unselfish, supportive guides for founders. His journey reveals that the path to building something meaningful is often about who you have in your corner.In this conversation, Gary Heldt and Brandon Na explore the realities of the startup world, moving beyond the headlines to discuss what it truly takes to build and scale a business. Brandon shares critical insights on the common pitfalls founders face, the importance of deep self awareness, and how to find a mentor who is genuinely invested in your success. This episode is a masterclass for any entrepreneur who wants to understand the nuances of venture capital, team building, and creating a business that aligns with their personal mission.Key Takeaways → True mentorship is a two way street built on mutual respect and aligned goals. → Self awareness is the most significant and most common obstacle for founders seeking capital. → Understanding your total addressable market is essential before you even begin to build. → Success for a founder doesn't always mean a massive exit; sometimes it means having the wisdom to walk away. → To truly learn a concept, you must be able to teach it to someone else. → We live in a capitalistic society, and access to resources is critical for turning an idea into a reality.If you are navigating the challenges of growing your business, this conversation offers a refreshing perspective on what truly matters. Listen to the full episode for more insights, and consider sharing it with a fellow entrepreneur who could benefit from this guidance.To learn more about Brandon Na's work with early stage founders, you can visit his website at Good Peoples Ventures. He is passionate about connecting with entrepreneurs and is open to conversations, so you can also reach out to him directly via email. https://goodpeoplesventures.com/Pull Quotes→ "The funny thing is, most people can't handle the truth. And so you have to kind of gauge whether or not your mentee or whoever you're trying to help can handle it."Listen to the full episode, then share it with one founder who needs a smarter circle and a clearer path.

What do you do when that dreaded letter from the IRS arrives? For many, the first instinct is to ignore it, hoping it will go away. But that is the single biggest mistake you can make.In this episode, guest host Jack Reeder talks with Felecia Dixson, an Enrolled Agent with over forty years of experience, about how to handle IRS issues with a clear head and a solid strategy. They discuss the most common reasons business owners face tax problems, why you should never try to solve them alone, and how to find the right professional help. This conversation is essential for any business owner who wants to understand the IRS better and protect their peace of mind.> Ignoring an IRS notice is the worst first step.-> Payroll tax issues are a major red flag for the IRS.> You should never try to handle an IRS issue on your own.-> An Enrolled Agent can represent you in all 50 states.-> Embarrassment should not stop you from seeking help.-> The sooner you act, the more options you have.If you have ever felt a knot in your stomach thinking about taxes, this episode is for you. Listen to the full conversation to learn how to face IRS challenges with confidence. Subscribe to Grow Your Business & Grow Your Wealth for more conversations that help you grow smarter.To learn more about Felecia Dixson and her work, you can find her by searching her name, Felecia Dixson, or her business, Dixson Tax Resolution Services, online. Felecia is available on LinkedIn and Facebook and offers a newsletter with more information.

What if you could transform your relationship with money from a source of stress to a source of confidence? For many women, conversations about finances have long been off-limits, creating a confidence gap that can have a lasting impact on their financial future. This episode is a conversation about changing that narrative. This week on the Grow Your Business & Grow Your Wealth podcast with host Gary Heldt, who is joined by Shawna Bieda, a seasoned Senior Wealth Advisor who is passionate about empowering women to take control of their financial lives. We explore the unique financial challenges women face, from pay gaps and career breaks to longer lifespans, and why a holistic approach to financial planning is so crucial. Shawna shares her personal journey and offers practical advice on building a strong financial foundation, no matter where you are in your journey. One of the biggest mistakes women make is waiting too long to start investing in their future. It is important to have a financial plan that is flexible and realistic, and that adapts to life's many changes. Building a relationship with a trusted financial advisor is a critical step in this process. You should feel comfortable being vulnerable and asking questions to ensure you are getting the right plan for you. Taking that first step, no matter how small, is the key to building financial confidence. Money is like a muscle; the more you use it, the stronger and more confident you become. We invite you to listen to this important conversation and take one step today toward your own financial empowerment. Subscribe to our podcast for more insightful conversations, and if you found this episode valuable, please share it with a woman in your life. To learn more about Shawna Bieda and her work, you can visit the XML Financial Group website at xmlfg.com. You can also connect with her directly via email at s.bieda@xmlfg.com https://www.xmlfg.com/shawna-biedaPhone:9293257386

Deciding when to claim Social Security is one of the most significant financial choices you will make. The right strategy can mean a more secure and comfortable retirement, while the wrong one could leave you with less than you deserve. In this episode, we explore the nuances of Social Security and retirement planning to help you make the best decision for your future.Host Gary Heldt sits down with Bruce G. Kaserman, President of BGK Financial, to demystify Social Security. They discuss the factors that should inform your decision on when to start receiving benefits, the impact of working in retirement, and how to create a financial plan aligned with your life goals. This conversation is essential for anyone approaching retirement age seeking clarity and confidence in their financial future.Here are six key takeaways from the conversation: - Your Social Security claiming strategy should be tailored to your individual circumstances, including your health, marital status, and other sources of income. - Working while receiving Social Security benefits can impact the amount you receive, so it is important to understand the income thresholds. - Delaying Social Security benefits until age 70 can significantly increase your monthly payments. - Proper tax planning is crucial to minimizing the taxes you pay on your Social Security benefits and other retirement income. - For business owners, the way you structure your salary can have long-term consequences for your Social Security benefits. - A comprehensive financial plan can help you navigate the complexities of retirement and ensure you do not outlive your savings.If you are looking for expert guidance on your retirement strategy, this episode offers valuable insights. Listen to the full conversation to gain a deeper understanding of how to make your money work for you in retirement. Subscribe to our podcast for more insightful conversations and share this episode with anyone who could benefit from this valuable information.To learn more about Bruce G. Kaserman and his work, you can visit his website at bgkfinancial.com. As a fiduciary and National Social Security Advisor, Bruce is dedicated to helping professionals and business owners make informed decisions to secure their financial futures. You can also connect with him to learn more about his upcoming seminars on Social Security and retirement planning.

What if the biggest risks to your business are happening in markets you are not even watching? In a world more connected than ever, a shift in a supply chain on the other side of the globe can impact your bottom line overnight. Staying ahead requires a new way of thinking.In this episode, Gary Heldt sits down with Daniel Nikic, a Global Investment Specialist and founder of COHRES. They explore why a global perspective is no longer optional for entrepreneurs, how to spot emerging AI and software trends before they become mainstream, and the critical importance of managing risk with confidence in a rapidly changing economic landscape. Daniel shares insights from analyzing over 15,000 companies, revealing how business owners can identify smart opportunities and grow with confidence. - A global mindset is essential for modern entrepreneurs because supply chains and market forces are deeply interconnected across continents. - Successful companies must be willing to pivot their strategies and business models in response to new technologies and market shifts. - Artificial intelligence should be viewed as a powerful tool for research and efficiency, not just an industry, fundamentally changing how businesses operate. - For early-stage companies, building a strong professional network can be more valuable than securing initial investment. - Poor cash flow management and a damaged reputation are two of the most significant red flags that can derail a growing business. - Building and maintaining a strong reputation based on respect and integrity is a long term asset that is crucial for sustainable success.If you are ready to think bigger about your business strategy and prepare for the opportunities of a globalized future, this conversation will offer a new lens on your growth. Listen to the full episode, subscribe for more insights, and share it with a fellow business owner.To learn more from Daniel Nikic and explore his work in global investment, you can visit his website at DanielNikic.com. You can also connect with him directly on LinkedIn to continue the conversation.

Did you know that a typical retired couple can expect to receive over $1.4 million in Social Security benefits? Yet over 90% of people are getting less money than they are eligible to receive. This isn't just a small monthly check; it's one of the most valuable retirement assets you have, and understanding how to unlock its full potential is critical.This conversation on Grow Your Business & Grow Your Wealth with Gary Held and guest, national Social Security expert Ash Ahluwalia, is a masterclass in retirement income planning. Ash demystifies the system's complexity, revealing the costly mistakes many people make and the surprising opportunities they miss. For any professional planning for their future, this episode offers a clear, actionable guide to making smarter decisions about their benefits. Ash Ahluwalia is the Head of Social Security Planning at OneTeam Financial. As one of the nation's leading experts in retirement income strategies with credentials including CFP®, CSSCS, and NSSA®, Ash has spent nearly 30 years helping thousands of retirees navigate their benefits. Key Takeaways: Your Social Security benefits are a pension you cannot outlive. There are over 500 possible filing strategies for most couples. - The strategy that pays the most money over time is not always the best one. - Planning for survivor benefits as a couple is essential - Recent legislation did not make Social Security tax-free for most seniors. - Business owners can strategically allocate income to enhance their future benefits. Listen to the full episode to gain the clarity and confidence you need to secure your financial future. It's a conversation that could change the course of your retirement. To learn more from Ash Ahluwalia or to explore a complimentary consultation, you can connect with him at OneTeam Financial. His expertise can provide personalized guidance on your specific retirement income strategy. ⁠https://www.oneteamfinancial.com/team/ash-ahluwalia

What if the biggest risks to your business are happening in markets you are not even watching? In a world more connected than ever, a shift in a supply chain on the other side of the globe can impact your bottom line overnight. Staying ahead requires a new way of thinking. In this episode, Gary Heldt sits down with Daniel Nikic, a Global Investment Specialist and founder of COHRES. They explore why a global perspective is no longer optional for entrepreneurs, how to spot emerging AI and software trends before they become mainstream, and the critical importance of managing risk with confidence in a rapidly changing economic landscape. Daniel shares insights from analyzing over 15,000 companies, revealing how business owners can identify smart opportunities and grow with confidence. - A global mindset is essential for modern entrepreneurs because supply chains and market forces are deeply interconnected across continents. - Successful companies must be willing to pivot their strategies and business models in response to new technologies and market shifts. - Artificial intelligence should be viewed as a powerful tool for research and efficiency, not just an industry, fundamentally changing how businesses operate. - For early-stage companies, building a strong professional network can be more valuable than securing initial investment. - Poor cash flow management and a damaged reputation are two of the most significant red flags that can derail a growing business. - Building and maintaining a strong reputation based on respect and integrity is a long-term asset that is crucial for sustainable success. If you are ready to think bigger about your business strategy and prepare for the opportunities of a globalized future, this conversation will offer a new lens on your growth. Listen to the full episode, subscribe for more insights, and share it with a fellow business owner. To learn more from Daniel Nikic and explore his work in global investment, you can visit his website at DanielNikic.com. You can also connect with him directly on LinkedIn to continue the conversation. Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when high income still does not give you freedom, time, or peace of mind? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Joey Muré, co founder of Wealth Without Wall Street, to challenge traditional thinking around money, retirement, and success. Joey shares his personal journey from earning a high income in the mortgage industry to realizing that his money was not working for him. Together, they unpack why knowledge alone does not lead to financial freedom, how systems matter more than strategies, and why passive income aligned with values can change both your calendar and your life.Key Takeaways → High income does not automatically create financial freedom → Financial freedom means passive income exceeds monthly expenses → Most people are stuck because they lack a system, not information → Retirement accounts often delay freedom instead of accelerating it → Investor DNA matters when choosing the right income vehicles → Aligning money with faith and values creates long term clarity and peaceQuote from the Episode“My money wasn't working for me. It was creating more demand on my time and pulling me away from the people I cared about most.”.Call to ActionTo learn more and access free resources from Joey, visit https://www.wealthwithoutwallstreet.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when high income still does not give you freedom, time, or peace of mind? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Joey Muré, co founder of Wealth Without Wall Street, to challenge traditional thinking around money, retirement, and success. Joey shares his personal journey from earning a high income in the mortgage industry to realizing that his money was not working for him. Together, they unpack why knowledge alone does not lead to financial freedom, how systems matter more than strategies, and why passive income aligned with values can change both your calendar and your life.Key Takeaways → High income does not automatically create financial freedom → Financial freedom means passive income exceeds monthly expenses → Most people are stuck because they lack a system, not information → Retirement accounts often delay freedom instead of accelerating it → Investor DNA matters when choosing the right income vehicles → Aligning money with faith and values creates long term clarity and peaceQuote from the Episode“My money wasn't working for me. It was creating more demand on my time and pulling me away from the people I cared about most.”.Call to ActionTo learn more and access free resources from Joey, visit https://www.wealthwithoutwallstreet.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the next decade becomes the greatest wealth opportunity of your lifetime and most business owners miss it because they are too busy running day-to-day operations? In this powerful conversation, Gary Heldt sits down with Darius Alexander Ross to unpack why business owners are standing at a once-in-a-generation turning point. With trillions of dollars in wealth transferring from retiring Baby Boomers and commercial real estate poised for major repositioning, Darius explains why ownership, acquisition thinking, and preparation matter more than ever.They dive into why most businesses fail due to lack of information, how leaders sabotage their own growth, and why owning your location and understanding leverage is a strategic advantage. This episode challenges business owners to stop thinking small, prepare for worst-case scenarios first, and position themselves to buy, consolidate, and grow while others hesitate.Key Takeaways→ Why customer appreciation and operational awareness directly impact long-term profitability→ How owning real estate can become a cornerstone of business stability and wealth building→ Why the next ten years will favor acquisition entrepreneurs and strategic buyers→ The most common accountability mistakes that quietly erode business value→ How the “dummy strategy” helps leaders make smarter decisions by listening first Quote“Sometimes the biggest enemy of a business owner is the voice in their own head.” If you want to position your business for long-term growth, smarter ownership decisions, and real wealth building, this episode will change how you think about strategy, real estate, and opportunity. Listen now and learn how to prepare before the opportunity passes you by. Connect with Darius: https://www.dariusaross.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What if the next decade becomes the greatest wealth opportunity of your lifetime and most business owners miss it because they are too busy running day-to-day operations? In this powerful conversation, Gary Heldt sits down with Darius Alexander Ross to unpack why business owners are standing at a once-in-a-generation turning point. With trillions of dollars in wealth transferring from retiring Baby Boomers and commercial real estate poised for major repositioning, Darius explains why ownership, acquisition thinking, and preparation matter more than ever.They dive into why most businesses fail due to lack of information, how leaders sabotage their own growth, and why owning your location and understanding leverage is a strategic advantage. This episode challenges business owners to stop thinking small, prepare for worst-case scenarios first, and position themselves to buy, consolidate, and grow while others hesitate.Key Takeaways→ Why customer appreciation and operational awareness directly impact long-term profitability→ How owning real estate can become a cornerstone of business stability and wealth building→ Why the next ten years will favor acquisition entrepreneurs and strategic buyers→ The most common accountability mistakes that quietly erode business value→ How the “dummy strategy” helps leaders make smarter decisions by listening first Quote“Sometimes the biggest enemy of a business owner is the voice in their own head.” If you want to position your business for long-term growth, smarter ownership decisions, and real wealth building, this episode will change how you think about strategy, real estate, and opportunity. Listen now and learn how to prepare before the opportunity passes you by. Connect with Darius: https://www.dariusaross.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What if building wealth was not about money but about the life and impact you leave behind? Morgan Nichols believes legacy is not something you build at retirement. It is something you create every day through intentional decisions, values-based planning, and clarity around what truly matters. In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Morgan Nichols, CEO and Private Wealth Advisor of LifeBranch Wealth Partners, for a powerful conversation about intentional legacy, business ownership, succession planning, and the emotional side of financial decision-making. Morgan shares her journey into leadership, stepping into business ownership at 31 during one of the most volatile financial markets in modern history. She explains why real financial planning goes far beyond portfolio management and why business owners need coaching, clarity, and long-term strategy to build wealth with purpose. This episode is a masterclass in intentional growth, values-driven success, and creating a legacy that lasts for generations. Five Key Takeaways  - Legacy is built through daily decisions, not just financial outcomes True wealth is measured by the values you live by and the impact you create along the way.  - Business owners need a coach, not just an advisor The best financial planning goes deeper than statements and portfolios. It provides holistic guidance and decision support.  - Intentional planning replaces uncertainty with clarity Strategic planning removes the fog of uncertainty and gives business owners confidence in their future.  - Succession and contingency planning protect your family and your business Preparing for the unexpected ensures your family is protected and your business continues smoothly.  - There is no perfect balance. Only priorities Life is about choosing which priority takes the front seat in each season. Featured Quote “When you have an intentional legacy, it is realizing that all the money in the world does not necessarily add meaning to one's life. It is really all the decisions that you make along the way.” - Morgan Nichols If you are a business owner or professional who wants to build wealth with purpose and create a legacy that lasts, this episode is for you. Listen to the full episode of Grow Your Business & Grow Your Wealth Download Morgan's book Intentional Legacy at intentionallegacybook.com Learn more about LifeBranch Wealth Partners at lifebranchwealth.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What if building wealth was not about money but about the life and impact you leave behind? Morgan Nichols believes legacy is not something you build at retirement. It is something you create every day through intentional decisions, values-based planning, and clarity around what truly matters. In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Morgan Nichols, CEO and Private Wealth Advisor of LifeBranch Wealth Partners, for a powerful conversation about intentional legacy, business ownership, succession planning, and the emotional side of financial decision-making. Morgan shares her journey into leadership, stepping into business ownership at 31 during one of the most volatile financial markets in modern history. She explains why real financial planning goes far beyond portfolio management and why business owners need coaching, clarity, and long-term strategy to build wealth with purpose. This episode is a masterclass in intentional growth, values-driven success, and creating a legacy that lasts for generations. Five Key Takeaways  - Legacy is built through daily decisions, not just financial outcomes True wealth is measured by the values you live by and the impact you create along the way.  - Business owners need a coach, not just an advisor The best financial planning goes deeper than statements and portfolios. It provides holistic guidance and decision support.  - Intentional planning replaces uncertainty with clarity Strategic planning removes the fog of uncertainty and gives business owners confidence in their future.  - Succession and contingency planning protect your family and your business Preparing for the unexpected ensures your family is protected and your business continues smoothly.  - There is no perfect balance. Only priorities Life is about choosing which priority takes the front seat in each season. Featured Quote “When you have an intentional legacy, it is realizing that all the money in the world does not necessarily add meaning to one's life. It is really all the decisions that you make along the way.” - Morgan Nichols If you are a business owner or professional who wants to build wealth with purpose and create a legacy that lasts, this episode is for you. Listen to the full episode of Grow Your Business & Grow Your Wealth Download Morgan's book Intentional Legacy at intentionallegacybook.com Learn more about LifeBranch Wealth Partners at lifebranchwealth.com Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when building wealth stops being about returns and starts being about purpose? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Tiffany Irving, Senior Vice President and Wealth Advisor at Mesirow Wealth Management. With more than 25 years of experience, Tiffany explains why modern wealth management must go beyond investments and focus on holistic planning, collaboration, and long-term impact. The conversation dives into exit planning for business owners, common mistakes made when selling a company, the emotional side of succession, and why financial planning should start far earlier than most people think. Tiffany also shares insights on financial literacy, debt management, and the growing importance of purpose-driven investing. Key Takeaways→ Wealth management today is about integrating investments, tax planning, estate planning, and personal goals.→ Business owners should begin exit planning three to five years before selling to maximize value and reduce taxes.→ A collaborative advisory team creates better outcomes than siloed advice.→ Succession planning must address both financial readiness and emotional identity shifts.→ Financial planning is not just for the wealthy and is most powerful when started early. Quote from Tiffany “Wealth management is no longer just about performance. It's about purpose, values, and the impact you want your money to have.” If you are a business owner thinking about growth, succession, or long-term financial clarity, this episode is a must-listen. Subscribe to Grow Your Business & Grow Your Wealth, leave a review, and connect with Tiffany Irving on LinkedIn to continue the conversation. Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when building wealth stops being about returns and starts being about purpose? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Tiffany Irving, Senior Vice President and Wealth Advisor at Mesirow Wealth Management. With more than 25 years of experience, Tiffany explains why modern wealth management must go beyond investments and focus on holistic planning, collaboration, and long-term impact. The conversation dives into exit planning for business owners, common mistakes made when selling a company, the emotional side of succession, and why financial planning should start far earlier than most people think. Tiffany also shares insights on financial literacy, debt management, and the growing importance of purpose-driven investing. Key Takeaways→ Wealth management today is about integrating investments, tax planning, estate planning, and personal goals.→ Business owners should begin exit planning three to five years before selling to maximize value and reduce taxes.→ A collaborative advisory team creates better outcomes than siloed advice.→ Succession planning must address both financial readiness and emotional identity shifts.→ Financial planning is not just for the wealthy and is most powerful when started early. Quote from Tiffany “Wealth management is no longer just about performance. It's about purpose, values, and the impact you want your money to have.” If you are a business owner thinking about growth, succession, or long-term financial clarity, this episode is a must-listen. Subscribe to Grow Your Business & Grow Your Wealth, leave a review, and connect with Tiffany Irving on LinkedIn to continue the conversation. Learn more about your ad choices. Visit megaphone.fm/adchoices

Are your financial reports helping you grow your business or just giving you a headache? In this episode of Grow Your Business & Grow Your Wealth, guest host Ken May sits down with Rusty Fulling, founder and president of Fulling Management & Accounting Inc., to unpack how small business owners can build a stronger financial foundation through outsourced accounting, fractional CFO services, and proactive tax strategy. Rusty shares real-world stories, practical insights, and a refreshing perspective on turning numbers into clarity, reducing stress, and creating true peace of mind for business owners. Key Takeaways→ Financial statements should tell a story, not just list numbers.→ Outsourced accounting and fractional CFO support help owners move from firefighting to planning.→ The balance sheet is just as important as the profit and loss statement.→ Trust is essential, but verification and internal controls protect your business.→ Clarity around your numbers leads directly to better decisions, more substantial profits, and better sleep. If you are ready to stop guessing and start making confident financial decisions, this episode is a must-listen.  Tune in now, and if your numbers still feel confusing, consider working with professionals who help translate data into strategy so you can keep growing your business and your wealth. Connect with Rusty on his website: https://www.fullingmgmt.com/about-us/rusty-fulling Learn more about your ad choices. Visit megaphone.fm/adchoices

Are your financial reports helping you grow your business or just giving you a headache? In this episode of Grow Your Business & Grow Your Wealth, guest host Ken May sits down with Rusty Fulling, founder and president of Fulling Management & Accounting Inc., to unpack how small business owners can build a stronger financial foundation through outsourced accounting, fractional CFO services, and proactive tax strategy. Rusty shares real-world stories, practical insights, and a refreshing perspective on turning numbers into clarity, reducing stress, and creating true peace of mind for business owners. Key Takeaways→ Financial statements should tell a story, not just list numbers.→ Outsourced accounting and fractional CFO support help owners move from firefighting to planning.→ The balance sheet is just as important as the profit and loss statement.→ Trust is essential, but verification and internal controls protect your business.→ Clarity around your numbers leads directly to better decisions, more substantial profits, and better sleep. If you are ready to stop guessing and start making confident financial decisions, this episode is a must-listen.  Tune in now, and if your numbers still feel confusing, consider working with professionals who help translate data into strategy so you can keep growing your business and your wealth. Connect with Rusty on his website: https://www.fullingmgmt.com/about-us/rusty-fulling Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do reliable small business owners still struggle to access credit, and how can AI finally fix that?  In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt welcomes Tamara Laine, Founder of MPWR, an AI-driven fintech platform transforming how individuals and small business owners build credit and access capital. Tamara explains how outdated credit systems fail entrepreneurs and gig workers and how MPWR's Credit IP creates a more complete, human-centered financial picture. This conversation dives into AI agents, financial credibility, more innovative lending, and why consistency matters more than traditional credit scores. Key Takeaways → Why traditional credit models fail small business owners and gig workers. → How AI agents create a holistic picture of financial credibility. → What Credit IP is and how it redefines lending decisions. → Why consistency in payments matters more than income alone. → How AI can help borrowers not just get loans but repay them sustainably.  If you are tired of outdated credit systems holding your business back, this episode will shift how you think about capital access. Listen now and share it with a business owner who needs more innovative financial tools. Please follow the podcast and consider leaving a rating. Connect with Tamara on LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

Why do reliable small business owners still struggle to access credit, and how can AI finally fix that?  In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt welcomes Tamara Laine, Founder of MPWR, an AI-driven fintech platform transforming how individuals and small business owners build credit and access capital. Tamara explains how outdated credit systems fail entrepreneurs and gig workers and how MPWR's Credit IP creates a more complete, human-centered financial picture. This conversation dives into AI agents, financial credibility, more innovative lending, and why consistency matters more than traditional credit scores. Key Takeaways → Why traditional credit models fail small business owners and gig workers. → How AI agents create a holistic picture of financial credibility. → What Credit IP is and how it redefines lending decisions. → Why consistency in payments matters more than income alone. → How AI can help borrowers not just get loans but repay them sustainably.  If you are tired of outdated credit systems holding your business back, this episode will shift how you think about capital access. Listen now and share it with a business owner who needs more innovative financial tools. Please follow the podcast and consider leaving a rating. Connect with Tamara on LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

What if paying massive taxes every year wasn't inevitable and what if the wealthiest families in America were playing an entirely different game than you were taught? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Mark Miller, CEO of Hilton Tax & Wealth Advisors and Manager of the Hilton Family Office. With nearly four decades of experience, Mark pulls back the curtain on how elite families legally reduce taxes, protect capital, and grow generational wealth. Mark explains why most business owners unknowingly overpay taxes, why traditional financial planning often fails to meet the needs of high earners, and how real tax planning is a forward-looking strategy, not a year-end scramble. He shares the personal story that changed his entire career when a single strategy saved him over half a million dollars in taxes and ultimately moved him into a zero tax bracket. This conversation is a must-listen for business owners, executives, and six-figure earners who want to stop leaving money on the table and start thinking like an American dynasty. Key Takeaways→ Why most CPAs focus on compliance, not proactive tax planning→ The difference between retail investing and smart money strategies→ How layered tax strategies outperform one-time deductions→ Why buying assets for write-offs is not real tax mitigation→ How wealthy families prioritize safety, patience, and long-term planning→ How institutional-level tax and investment strategies are now accessible to business owners→ Why tax planning must happen before December 31, not after About the GuestMark Miller, RFC, is CEO of Hilton Tax & Wealth Advisors and Manager of the Hilton Family Office. With nearly 40 years of experience, Mark helps business owners and executives legally reduce taxes, maximize deductions, and structure wealth for long term growth and legacy preservation. His strategies mirror those used by Fortune 500 firms and elite families, including the Hiltons. Audience GiftMark is offering listeners a complimentary copy of his book, including Hilton Wealth: How to Invest Like an American Dynasty and The Tax Free Business Owner. Connect with Mark→ Website: https://www.hiltonwealth.com/→ LinkedIn: Mark Miller  https://www.linkedin.com/in/markmiller-hiltonfo/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What if paying massive taxes every year wasn't inevitable and what if the wealthiest families in America were playing an entirely different game than you were taught? In this episode of Grow Your Business & Grow Your Wealth, Gary Heldt sits down with Mark Miller, CEO of Hilton Tax & Wealth Advisors and Manager of the Hilton Family Office. With nearly four decades of experience, Mark pulls back the curtain on how elite families legally reduce taxes, protect capital, and grow generational wealth. Mark explains why most business owners unknowingly overpay taxes, why traditional financial planning often fails to meet the needs of high earners, and how real tax planning is a forward-looking strategy, not a year-end scramble. He shares the personal story that changed his entire career when a single strategy saved him over half a million dollars in taxes and ultimately moved him into a zero tax bracket. This conversation is a must-listen for business owners, executives, and six-figure earners who want to stop leaving money on the table and start thinking like an American dynasty. Key Takeaways→ Why most CPAs focus on compliance, not proactive tax planning→ The difference between retail investing and smart money strategies→ How layered tax strategies outperform one-time deductions→ Why buying assets for write-offs is not real tax mitigation→ How wealthy families prioritize safety, patience, and long-term planning→ How institutional-level tax and investment strategies are now accessible to business owners→ Why tax planning must happen before December 31, not after About the GuestMark Miller, RFC, is CEO of Hilton Tax & Wealth Advisors and Manager of the Hilton Family Office. With nearly 40 years of experience, Mark helps business owners and executives legally reduce taxes, maximize deductions, and structure wealth for long term growth and legacy preservation. His strategies mirror those used by Fortune 500 firms and elite families, including the Hiltons. Audience GiftMark is offering listeners a complimentary copy of his book, including Hilton Wealth: How to Invest Like an American Dynasty and The Tax Free Business Owner. Connect with Mark→ Website: https://www.hiltonwealth.com/→ LinkedIn: Mark Miller  https://www.linkedin.com/in/markmiller-hiltonfo/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you try to sell a business that isn't ready, and why do eighty percent of companies fail to sell at allThis week on Grow Your Business and Grow Your Wealth, Gary talks with Stephen H. Wagner, CFP, CEPA, CEO of Integrity Wealth Advisors and one of the few financial planners who deeply understand both the emotional and economic sides of money. Stephen brings decades of experience helping business owners navigate growth, long-term planning, and the complex exit path most entrepreneurs don't think about until it's too late. From fiduciary responsibility to devastating business-sale statistics, Stephen breaks down what every owner must know if they want long-term success and a future they won't regret. → Why eighty percent of businesses never sell, and why seventy-five percent of the ones that do sell regret it within a year. 08.28 → How fiduciary advisors legally must put your interests first and why that matters more than ever. 03.26 → The two types of business owners and the financial traps both fall into. 12.53 → How to prepare your business years before an exit to maximize value. 08.28–09.26 → Why emotions and politics ruin financial decision-making and how Stephen teaches clients to stay focused on facts. 18.45 → The real value of a trusted advisor who keeps you invested, organized, and thinking clearly through volatility. 21.22Call to ActionSubscribe to Grow Your Business and Grow Your Wealth for honest conversations that help you build a smarter, more profitable business and a stronger financial future. Connect with Stephen Wagner. www.linkedin.com/in/stephen-h-wagner-cfp Connect with Gary Heldt. www.linkedin.com/in/gary-d-heldt-jr/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What happens when you try to sell a business that isn't ready, and why do eighty percent of companies fail to sell at allThis week on Grow Your Business and Grow Your Wealth, Gary talks with Stephen H. Wagner, CFP, CEPA, CEO of Integrity Wealth Advisors and one of the few financial planners who deeply understand both the emotional and economic sides of money. Stephen brings decades of experience helping business owners navigate growth, long-term planning, and the complex exit path most entrepreneurs don't think about until it's too late. From fiduciary responsibility to devastating business-sale statistics, Stephen breaks down what every owner must know if they want long-term success and a future they won't regret. → Why eighty percent of businesses never sell, and why seventy-five percent of the ones that do sell regret it within a year. 08.28 → How fiduciary advisors legally must put your interests first and why that matters more than ever. 03.26 → The two types of business owners and the financial traps both fall into. 12.53 → How to prepare your business years before an exit to maximize value. 08.28–09.26 → Why emotions and politics ruin financial decision-making and how Stephen teaches clients to stay focused on facts. 18.45 → The real value of a trusted advisor who keeps you invested, organized, and thinking clearly through volatility. 21.22Call to ActionSubscribe to Grow Your Business and Grow Your Wealth for honest conversations that help you build a smarter, more profitable business and a stronger financial future. Connect with Stephen Wagner. www.linkedin.com/in/stephen-h-wagner-cfp Connect with Gary Heldt. www.linkedin.com/in/gary-d-heldt-jr/ Learn more about your ad choices. Visit megaphone.fm/adchoices

What do the most successful entrepreneurs understand about money that struggling business owners never figure out? In this powerful episode of Grow Your Business and Grow Your Wealth, guest host Jack Reeder sits down with Phil Zuckerman, National Lead Faculty for Goldman Sachs 10,000 Small Businesses. Phil brings nearly fifty years of entrepreneurial experience and decades of mentoring business owners who want more than revenue. They want real wealth, real options, and a business that thrives long after they are done running it. Phil breaks down the difference between growth and value, why most entrepreneurs underprice themselves, the mindset shifts that separate founders who succeed from founders who burn out, and the surprising truth about cash flow versus profit. This conversation will challenge how you think about your business and provide a more straightforward path to long-term success. Key Takeaways→ Why most founders start with passion instead of financial literacy, and how that slows growth→ The surprising reason cash flow problems are often solved without raising capital→ The mindset upgrades every entrepreneur needs, including gratitude, risk tolerance, and self-awareness→ The fundamental difference between growing revenue and building a business that someone will buy→ Why pricing should always align with value and how undercharging often signals a confidence issue→ How to prepare your business for exit long before you think you need to Featured Quote from Phil“We exist because the customer gives us cash, but we live in the margin. That is what separates one business from another.” Listen and learn why margins, mindset, and mastery of your numbers determine the future of your business.  Subscribe, rate, and share this episode with another business owner who wants to build wealth, not just revenue. Connect with Phil on LinkedIn:   https://www.linkedin.com/in/philzuckerman Connect with Jack on LinkedIn Please share, like, and subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

What do the most successful entrepreneurs understand about money that struggling business owners never figure out? In this powerful episode of Grow Your Business and Grow Your Wealth, guest host Jack Reeder sits down with Phil Zuckerman, National Lead Faculty for Goldman Sachs 10,000 Small Businesses. Phil brings nearly fifty years of entrepreneurial experience and decades of mentoring business owners who want more than revenue. They want real wealth, real options, and a business that thrives long after they are done running it. Phil breaks down the difference between growth and value, why most entrepreneurs underprice themselves, the mindset shifts that separate founders who succeed from founders who burn out, and the surprising truth about cash flow versus profit. This conversation will challenge how you think about your business and provide a more straightforward path to long-term success. Key Takeaways→ Why most founders start with passion instead of financial literacy, and how that slows growth→ The surprising reason cash flow problems are often solved without raising capital→ The mindset upgrades every entrepreneur needs, including gratitude, risk tolerance, and self-awareness→ The fundamental difference between growing revenue and building a business that someone will buy→ Why pricing should always align with value and how undercharging often signals a confidence issue→ How to prepare your business for exit long before you think you need to Featured Quote from Phil“We exist because the customer gives us cash, but we live in the margin. That is what separates one business from another.” Listen and learn why margins, mindset, and mastery of your numbers determine the future of your business.  Subscribe, rate, and share this episode with another business owner who wants to build wealth, not just revenue. Connect with Phil on LinkedIn:   https://www.linkedin.com/in/philzuckerman Connect with Jack on LinkedIn Please share, like, and subscribe! Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it really take to succeed in franchising when so many people still believe it is passive income? This week on Grow Your Business and Grow Your Wealth with Gary Heldt, Gary sits down with Brittney Lincoln, Partner and VP of Franchise at Limitless Franchise Growth and Founder of Females in Franchising. With over thirteen years of experience across home services, beauty, fitness, wellness, medical, dog training, and Pilates franchises, Brittney offers an honest, practical look at what franchising truly requires. Brittney breaks down one of the industry's biggest misconceptions. Many people think franchising is “mailbox money,” meaning passive income with little involvement. In reality, franchising only works when the owner executes the model, leads the team, and stays engaged in the business every day. Execution beats money, intelligence, or excitement every time. She also shares the trifecta every buyer should evaluate before choosing a brand, the dangers of franchisors scaling too quickly, and why more women should consider franchising as their second act. Brittney's passion project, Females in Franchising, is a new online community designed to support collaboration, mentorship, and shared knowledge across the franchising world. Key Takeaways→ Why franchising is not passive income and requires real execution→ What “no mailbox money” actually means inside a franchise system→ How poor franchisor infrastructure creates long-term problems→ The three-part trifecta every buyer must evaluate→ Why more women should consider franchising as their next act→ How mentorship and collaboration accelerate success in franchising Quote from Brittney:“There is no mailbox money in franchising. Maybe vending machines, but you still have to go and fill the vending machine.” Connect to Brittney on LinkedIn: Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it really take to succeed in franchising when so many people still believe it is passive income? This week on Grow Your Business and Grow Your Wealth with Gary Heldt, Gary sits down with Brittney Lincoln, Partner and VP of Franchise at Limitless Franchise Growth and Founder of Females in Franchising. With over thirteen years of experience across home services, beauty, fitness, wellness, medical, dog training, and Pilates franchises, Brittney offers an honest, practical look at what franchising truly requires. Brittney breaks down one of the industry's biggest misconceptions. Many people think franchising is “mailbox money,” meaning passive income with little involvement. In reality, franchising only works when the owner executes the model, leads the team, and stays engaged in the business every day. Execution beats money, intelligence, or excitement every time. She also shares the trifecta every buyer should evaluate before choosing a brand, the dangers of franchisors scaling too quickly, and why more women should consider franchising as their second act. Brittney's passion project, Females in Franchising, is a new online community designed to support collaboration, mentorship, and shared knowledge across the franchising world. Key Takeaways→ Why franchising is not passive income and requires real execution→ What “no mailbox money” actually means inside a franchise system→ How poor franchisor infrastructure creates long-term problems→ The three-part trifecta every buyer must evaluate→ Why more women should consider franchising as their next act→ How mentorship and collaboration accelerate success in franchising Quote from Brittney:“There is no mailbox money in franchising. Maybe vending machines, but you still have to go and fill the vending machine.” Connect to Brittney on LinkedIn: Learn more about your ad choices. Visit megaphone.fm/adchoices

What if your story is the one thing that changes everything in your business?On Grow Your Business and Grow Your Wealth, Gary Heldt sits down with media visibility expert and Cre8tive Con founder Julie Lokun for a powerful conversation about the real drivers of visibility. Julie shares how she moved from journalism to law to entrepreneurship and discovered that every business grows when its story is clear, confident, and consistently shared. She explains why earned media beats paid ads, why your digital footprint matters more than ever, and how any entrepreneur can begin simple PR steps without a big budget. Julie also breaks down crisis transparency, on-camera confidence, and how a strong story becomes your most significant competitive advantage. Key Takeaways• Your story is the strongest part of your brand• Earned media builds trust faster than paid promotion• Visibility grows through clarity and repetition• Transparency wins during a crisis• Every business owner can start PR today Visibility Tools Julie Recommends• Google Alerts shows where your name appears online• Google Trends highlights what topics are heating up• MUCKRACK helps you find journalists in your niche• Twitter is a prime place for journalist requests using journorequests or journorequest• Featured connects publishers with expert voices• Help a Reporter Out HARO connects journalists and sources• Qwoted helps reporters find reliable experts• Blogging on your site and on Medium strengthens your authority and digital footprint Julie's quote: “Your voice is your currency. When people see it clearly, everything changes.” Explore Cre8tive Con at cre8tivecon.com and reach Julie at julie@cre8tivecon.com Catch the latest episodes of Grow Your Business and Grow Your Wealth on your favorite podcast platform. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if your story is the one thing that changes everything in your business?On Grow Your Business and Grow Your Wealth, Gary Heldt sits down with media visibility expert and Cre8tive Con founder Julie Lokun for a powerful conversation about the real drivers of visibility. Julie shares how she moved from journalism to law to entrepreneurship and discovered that every business grows when its story is clear, confident, and consistently shared. She explains why earned media beats paid ads, why your digital footprint matters more than ever, and how any entrepreneur can begin simple PR steps without a big budget. Julie also breaks down crisis transparency, on-camera confidence, and how a strong story becomes your most significant competitive advantage. Key Takeaways• Your story is the strongest part of your brand• Earned media builds trust faster than paid promotion• Visibility grows through clarity and repetition• Transparency wins during a crisis• Every business owner can start PR today Visibility Tools Julie Recommends• Google Alerts shows where your name appears online• Google Trends highlights what topics are heating up• MUCKRACK helps you find journalists in your niche• Twitter is a prime place for journalist requests using journorequests or journorequest• Featured connects publishers with expert voices• Help a Reporter Out HARO connects journalists and sources• Qwoted helps reporters find reliable experts• Blogging on your site and on Medium strengthens your authority and digital footprint Julie's quote: “Your voice is your currency. When people see it clearly, everything changes.” Explore Cre8tive Con at cre8tivecon.com and reach Julie at julie@cre8tivecon.com Catch the latest episodes of Grow Your Business and Grow Your Wealth on your favorite podcast platform. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it take to transform a neighborhood into a thriving business community? On Grow Your Business and Grow Your Wealth, Gary Heldt sits down with Mark Burns, Executive Director of the Coconut Grove Business Improvement District. Mark draws on more than 20 years of experience in real estate leasing, government property management, and community revitalization to explain how small businesses can tap into local resources, avoid costly leasing mistakes, and position themselves for long-term success. From negotiating city-owned properties to managing major Miami capital projects, Mark has seen it all. His insider perspective gives business owners a clear understanding of how government works, how Business Improvement Districts operate, and how to use these resources to grow stronger, smarter, and more sustainably. This conversation is packed with real strategy, clear examples, and lessons every business owner should hear. Key Takeaways → Why Business Improvement Districts give small businesses more power than acting alone → How Coconut Grove was revitalized into one of Miami's most desirable neighborhoods → The most significant mistakes business owners make when signing leases → Why business owners miss out on grants and free resources → How long-term planning protects businesses from future economic swings → How entrepreneurs can build influence and gain a board seat in their district Featured Quote from Mark Burns “The people who step out of their routine are the ones who succeed.” To learn more about Coconut Grove's Business Improvement District or to connect with Mark, visit CoconutGrove.com. Follow Grow Your Business and Grow Your Wealth for more conversations that help business owners strengthen their financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

What does it take to transform a neighborhood into a thriving business community? On Grow Your Business and Grow Your Wealth, Gary Heldt sits down with Mark Burns, Executive Director of the Coconut Grove Business Improvement District. Mark draws on more than 20 years of experience in real estate leasing, government property management, and community revitalization to explain how small businesses can tap into local resources, avoid costly leasing mistakes, and position themselves for long-term success. From negotiating city-owned properties to managing major Miami capital projects, Mark has seen it all. His insider perspective gives business owners a clear understanding of how government works, how Business Improvement Districts operate, and how to use these resources to grow stronger, smarter, and more sustainably. This conversation is packed with real strategy, clear examples, and lessons every business owner should hear. Key Takeaways → Why Business Improvement Districts give small businesses more power than acting alone → How Coconut Grove was revitalized into one of Miami's most desirable neighborhoods → The most significant mistakes business owners make when signing leases → Why business owners miss out on grants and free resources → How long-term planning protects businesses from future economic swings → How entrepreneurs can build influence and gain a board seat in their district Featured Quote from Mark Burns “The people who step out of their routine are the ones who succeed.” To learn more about Coconut Grove's Business Improvement District or to connect with Mark, visit CoconutGrove.com. Follow Grow Your Business and Grow Your Wealth for more conversations that help business owners strengthen their financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if you could legally pay zero taxes while building wealth around the world? In this episode, Gary sits down with Mikkel Thorup, the world's most sought-after expat consultant and the Founder and CEO of Expat Money. Mikkel has spent more than 25 years traveling to 120 countries, living in 9 of them, and building a thriving international consulting firm that helps high-net-worth clients reduce taxes, secure second residencies, and build global investment portfolios. He breaks down the truth behind the Foreign Earned Income Exclusion, why residency matters more than people think, how offshore banking protects you from government freezes, and what countries offer the most favorable territorial tax systems. Mikkel also shares his personal story of overcoming dyslexia, dropping out of school, and designing a life and business that spans the globe.  This conversation gives you the facts that most professionals never learn. If you have ever wondered how wealthy people legally reduce taxes, diversify risk, and expand their options beyond the United States, this episode opens that door. Key Takeaways→ Understanding the two global tax models and why the United States is unique in taxing citizens, no matter where they live → How the Foreign Earned Income Exclusion works and the difference between the physical presence test and bona fide residency → Why offshore banking is an essential part of a financial plan B, and when it protects you from domestic account freezes → What territorial taxation means and why countries like Panama, Costa Rica, Paraguay, and Belize attract entrepreneurs → How active income and passive income differ for expats and how classification affects legal tax reduction → Why obtaining legal residency or a second citizenship is the foundation for any global tax strategy Quote From Mikkel Thorup“I tell everybody this. You can legally pay less tax, invest globally, and increase your freedom, but you must follow the rules and structure your life correctly. That is the real secret.”Ready to explore tax reduction, global residency, or international investments? Connect with Mikkel at ExpatMoney.com to access his newsletter, resources, and consulting options. Catch every new episode of Grow Your Business & Grow Your Wealth with Gary Heldt wherever you listen to podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if you could legally pay zero taxes while building wealth around the world? In this episode, Gary sits down with Mikkel Thorup, the world's most sought-after expat consultant and the Founder and CEO of Expat Money. Mikkel has spent more than 25 years traveling to 120 countries, living in 9 of them, and building a thriving international consulting firm that helps high-net-worth clients reduce taxes, secure second residencies, and build global investment portfolios. He breaks down the truth behind the Foreign Earned Income Exclusion, why residency matters more than people think, how offshore banking protects you from government freezes, and what countries offer the most favorable territorial tax systems. Mikkel also shares his personal story of overcoming dyslexia, dropping out of school, and designing a life and business that spans the globe.  This conversation gives you the facts that most professionals never learn. If you have ever wondered how wealthy people legally reduce taxes, diversify risk, and expand their options beyond the United States, this episode opens that door. Key Takeaways→ Understanding the two global tax models and why the United States is unique in taxing citizens, no matter where they live → How the Foreign Earned Income Exclusion works and the difference between the physical presence test and bona fide residency → Why offshore banking is an essential part of a financial plan B, and when it protects you from domestic account freezes → What territorial taxation means and why countries like Panama, Costa Rica, Paraguay, and Belize attract entrepreneurs → How active income and passive income differ for expats and how classification affects legal tax reduction → Why obtaining legal residency or a second citizenship is the foundation for any global tax strategy Quote From Mikkel Thorup“I tell everybody this. You can legally pay less tax, invest globally, and increase your freedom, but you must follow the rules and structure your life correctly. That is the real secret.”Ready to explore tax reduction, global residency, or international investments? Connect with Mikkel at ExpatMoney.com to access his newsletter, resources, and consulting options. Catch every new episode of Grow Your Business & Grow Your Wealth with Gary Heldt wherever you listen to podcasts. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if a single decision could save a business owner thousands in taxes every year?On Grow Your Business and Grow Your Wealth, guest host Samuel Russell sits down with Rob Brand, tax strategist at Comprehensive Business Services in Newark, Delaware, for an eye-opening conversation on tax structure, S Corporation strategy, retirement planning, and what business owners get wrong about their numbers. Rob breaks down how S Corporations really work, why most LLC owners are paying more than they should, how retirement accounts like SEP IRAs and self-directed IRAs can be used for real estate investing, and the huge difference proactive tax planning makes. He also talks about the ideal client he helps, the biggest mistakes he sees business owners make, and when to start planning for an exit. This episode is packed with simple explanations, clear examples, and strategies business owners can use immediately.───────────────────────────────Key Takeaways→ Why S Corporation election can dramatically reduce self-employment taxes for LLC owners→ How reasonable compensation works and why it matters for compliance and planning→ The retirement accounts business owners should know, including SEP IRA and defined benefit plans→ How self-directed IRAs allow business owners to buy and sell real estate tax-sheltered→ Why proactive planning beats tax-season panic every time→ The number one mistake business owners make when trying to grow Featured Quote from Rob Brand“Tax savings are all about strategy and looking forward. If you walk into your tax appointment in February asking what you can fix from last year, the answer is nothing. The runway is already gone.”───────────────────────────────If you're a business owner wondering whether you're paying more taxes than necessary, now is the time to talk to a professional. Connect with Rob Brand at CBS Tax ProPhone: 302 353 0084Website: https://www.cbstaxpro.com/And be sure to subscribe to Grow Your Business and Grow Your Wealth, hosted by Gary Heldt, for more insight, strategy, and real-world conversations that help business owners succeed. Learn more about your ad choices. Visit megaphone.fm/adchoices

What if a single decision could save a business owner thousands in taxes every year?On Grow Your Business and Grow Your Wealth, guest host Samuel Russell sits down with Rob Brand, tax strategist at Comprehensive Business Services in Newark, Delaware, for an eye-opening conversation on tax structure, S Corporation strategy, retirement planning, and what business owners get wrong about their numbers. Rob breaks down how S Corporations really work, why most LLC owners are paying more than they should, how retirement accounts like SEP IRAs and self-directed IRAs can be used for real estate investing, and the huge difference proactive tax planning makes. He also talks about the ideal client he helps, the biggest mistakes he sees business owners make, and when to start planning for an exit. This episode is packed with simple explanations, clear examples, and strategies business owners can use immediately.───────────────────────────────Key Takeaways→ Why S Corporation election can dramatically reduce self-employment taxes for LLC owners→ How reasonable compensation works and why it matters for compliance and planning→ The retirement accounts business owners should know, including SEP IRA and defined benefit plans→ How self-directed IRAs allow business owners to buy and sell real estate tax-sheltered→ Why proactive planning beats tax-season panic every time→ The number one mistake business owners make when trying to grow Featured Quote from Rob Brand“Tax savings are all about strategy and looking forward. If you walk into your tax appointment in February asking what you can fix from last year, the answer is nothing. The runway is already gone.”───────────────────────────────If you're a business owner wondering whether you're paying more taxes than necessary, now is the time to talk to a professional. Connect with Rob Brand at CBS Tax ProPhone: 302 353 0084Website: https://www.cbstaxpro.com/And be sure to subscribe to Grow Your Business and Grow Your Wealth, hosted by Gary Heldt, for more insight, strategy, and real-world conversations that help business owners succeed. Learn more about your ad choices. Visit megaphone.fm/adchoices