Podcasts about brokers

Canadian journalist Nora Loreto reads the latest headlines for Friday, June 20, 2025.TRNN has partnered with Loreto to syndicate and share her daily news digest with our audience. Tune in every morning to the TRNN podcast feed to hear the latest important news stories from Canada and worldwide.Find more headlines from Nora at Sandy & Nora Talk Politics podcast feed.Help us continue producing radically independent news and in-depth analysis by following us and becoming a monthly sustainer.Sign up for our newsletterLike us on FacebookFollow us on TwitterDonate to support this podcast

In this episode of the Multifamily Minute, Tyler Deveraux breaks down why building relationships with brokers is how to close deals. We want your feedback! Take our survey to help us better your listening experience.Check out the Multifamily Mindset store for great tools like the Think Bigger Journal and MFM merchandise.Follow us on Instagram:►Tyler Deveraux (@tyler_deveraux), CEO of Multifamily Mindset & Managing Partner of Axxis Capital►Cyndi Maguire (@cyndigap), Real Estate Investor & Consultant at the Multifamily Mindset►Zach Rucker (@zachrucker), Underwriting Mentor at the Multifamily Mindset

Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits   - AZ TRT S06 EP10 (272) 6-15-2025              What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co's – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 Parts Network PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021   Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/   https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/   Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client's publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn't have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide.       Notes:   Ethos Benefits deals with employee benefits, with a primary focus on group health insurance   Per Donovan ‘Employee benefits are rigged'   Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits.   ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20%   Insurance Co's are working to expand their pool to make more profit   Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year   For a business, healthcare cost and employee benefits are a top 3 P&L expense   Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business   The HQ is in Florida, but they are a virtual office with agents and clients nationwide   Healthcare finance and delivery + Improving employee benefits     Seg 1   Donovan's bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service.   Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to.   Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna.   Health insurance employer group plans can be broken down into 4 Parts:   1.    TPA or third-party administrator 2.    Network PPO or HMO 3.    Pharmacy benefit RX 4.    Insurance that covers the caps the limits on the stop loss   PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals   Ethos Benefits helps employers to break up the four parts of a group plan and customize   Network PPO is what people typically think of when they think of health insurance.   Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare.     Seg 2   Pay more for healthcare in the U.S. than the rest of the world   The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing   Employers can actually pick up their own Pharma benefit and get the rebates that the big health insurance companies are not giving them   Healthcare system is a rigged game The fraud waste and abuse extremely high in health   401(k) and retirement benefit industry is actually tighter with more disclosure than the healthcare industry   Regulated better since the creation of the Securities Act in the 1930s and updates that ran through the 1970s and beyond with things like ERISA   There have been revisions to the healthcare act passed in 2021 - started in Jan.2022   Actions had 3 disclosures: ·         Brokers comp and bonus ·         Data with gag, clauses, and full access to data upon request ·         Benchmarking for drug cost     Further Notes via Google:   The revisions you are likely referring to are part of the Consolidated Appropriations Act of 2021 (CAA). While the CAA was passed in late 2020, many of its provisions, including those related to transparency in healthcare, became effective on January 1, 2022.  The three key areas of disclosure you mentioned are directly addressed within these regulations: 1.            Broker's Compensation and Bonuses: The CAA amends ERISA Section 408(b)(2) and requires service providers, including brokers, to disclose specific information to group health plan fiduciaries. 2.            Data Transparency (Gag Clauses and Full Access to Data): The CAA prohibits gag clauses, which prevent plans from providing access to their data. It also requires health insurance carriers to attest annually to their compliance with this prohibition. Moreover, the Health DATA Act, a proposed bill, would further reinforce the right of employers to access their data and hold service providers accountable for non-compliance. 3.            Benchmarking for Drug Costs: The CAA includes provisions regarding pharmacy benefit and drug cost reporting, which aims to provide greater transparency and potentially lead to better benchmarking of drug costs. The Build Back Better Act, a separate piece of legislation, also included provisions for Medicare to negotiate drug prices, further impacting drug costs and potential benchmarking.  These revisions aim to increase transparency in healthcare pricing and empower consumers and employers to make more informed decisions about their healthcare coverage.    Seg 3   Ethos works with Employers to create business plans usually with a 3 to 5 year time horizon. The goal is long-term to lower healthcare cost.   Example would be a company with 100 employees with 50 to 80% of them on the health plan (does not include dependents).   Ethos wants to keep the demands of a company low, easy transition.   Ethos handles employee Qs and healthcare navigation. Ethos is full service.   Risk handled 1 of 4 ways - Reduce, avoid, retain, transfer - Transfer to insurance   Broker wants to transfer risk Company can control costs Careful not to have too much disruption with a switch to a new company   Ex - start with pharmacy part NDC National Drug Code Run report vs costs   Pharmacy benefit mgr   Pre packaged health plan Gets co approved pharmacy benefit Save 5 - 15% on costs (30%)   Separate - parts of group plan     Seg 4   Brokers comp - incentives from big insurance companies   Opening move - edit pharmacy benefit piece   State by state - regulators and rules   Employers / employees Know the network and PPO   Nationwide covers insurance part – Stop-loss Insurance   30-40 major stop loss companies Ex: Allstate Met Life Sun Life   Stop-loss insurance for group health plans acts as a financial safety net for self-funded employers, protecting them from large, unpredictable medical claims. It is a form of additional insurance.   Healthcare risk is incredibly predictable on group basis   Overall predictable w stats, actuarial analysis   Gag clauses look at dataset from current carrier   Prescription database sets   3rd party admin are less of a concern, lots of claims   Average of 18 claims per employee per year, includes dependents   Data - review AI Claims analytics software   AI claims analytics software is transforming how insurance companies handle claims by leveraging artificial intelligence and machine learning to analyze data, automate tasks, and improve decision-making.    30 - 40% reduction in premium w Ethos     Further Notes via Google: Group Medical Plans Breakdown of the common components of a comprehensive employer group health plan, particularly within the context of a self-funded model.  Here's a more detailed explanation of each part: 1.            TPA (Third-Party Administrator): A TPA is a company that provides administrative services for self-funded health plans. This includes processing claims, handling enrollment, and managing other administrative tasks that would typically be done by an insurance company. 2.            Network (PPO or HMO): This refers to the group of doctors, hospitals, and other healthcare providers that the health plan contracts with to provide services to its members. The network defines where employees can go to receive care and often dictates the level of coverage they will receive (e.g., in-network vs. out-of-network benefits). ·                                             PPO (Preferred Provider Organization): Offers more flexibility, allowing members to see out-of-network providers, though with higher out-of-pocket costs. ·                                             HMO (Health Maintenance Organization): Typically requires members to stay within the network for covered services, except in emergencies.                 Pharmacy Benefit (RX): This component manages the prescription drug coverage for the plan. It includes negotiating drug prices, processing claims for prescriptions, and managing the plan's formulary (list of covered drugs).                 Stop-Loss Insurance: This is a crucial element for self-funded employers. It protects the employer from catastrophic claim costs. If an individual employee or the entire group's claims exceed a certain threshold (the "attachment point"), the stop-loss insurance kicks in to cover the excess costs, limiting the employer's financial liability.  Additional Considerations: ·                     Data Access: Self-funded plans often provide employers with greater access to claims data, which can be used to analyze healthcare costs, identify trends, and implement strategies to improve employee health and manage costs. ·                     Benchmarking: Employers can use claims data and industry benchmarks to compare their plan's performance to similar organizations and negotiate better rates with providers and other vendors. ·                     Wellness Programs: Some employers offer wellness programs to encourage employees to adopt healthy behaviors and potentially reduce healthcare costs. ·                     Essential Health Benefits (ACA Compliance): Group health plans must comply with the Affordable Care Act (ACA), which requires them to cover a list of essential health benefits, such as outpatient care, emergency services, hospitalization, and prescription drugs. ·                     Other Benefits: Group plans can also include other benefits, such as dental, vision, life insurance, and long- and short-term disability insurance.  Understanding these different parts is essential for employers to effectively manage their group health plan, control costs, and provide valuable benefits to their employees.      Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.  

Disclaimer: This is a sponsored episode. Not advice. Educational purposes only. Not an endorsement for or against. Results not vetted. Views of the guests do not represent those of the host or show.  Sell your fitness business with confidence and clarity—this episode featuring Mitch McGinley offers the expert insights you need to make a profitable, purposeful exit.If you're a studio owner, tired of the daily grind and wondering how to escape without burning it all down, this conversation is your roadmap. Mitch McGinley, a former yoga studio owner and now a specialist in business exits, shares exactly how to structure, price, and position your business for a successful sale. Whether you're overwhelmed by staff management, uncertain about your studio's value, or simply ready for a new chapter, this episode will answer the questions you're already searching for.Discover how today's boutique fitness trends affect valuations, what potential buyers are really looking for, and why you don't need to be a massive franchise to make a meaningful profit. Mitch also weighs in on business acquisition vs startup strategies, offering practical advice for both buyers and sellers in the fitness space.If you're dreaming of becoming a location independence entrepreneur, Mitch's own life—running his business remotely from Spain—demonstrates what's possible when you prepare your exit smartly. He explains how an optimized sale isn't just about cash—it's about freedom, legacy, and designing life on your own terms.

What if your biggest goals were already guaranteed, and your only job was to remember them? Most people fail to reach their goals not because they lack discipline, but because their mind sees those goals as unlikely. In this episode of Brokers of Secrets, we explore a simple but powerful reframe: stop setting goals, and start creating "future memories"—outcomes your mind sees as certain. This shift completely changes how your brain allocates focus, energy, and motivation.William Lam unpacks how reward systems, not pressure, drive lasting change. By using principles from behavioral psychology, you'll learn how to create internal momentum without burnout or resistance. It's a fresh approach to success that feels natural and sustainable.Chapters:(0:00) – Introduction(1:15) – Why Most People Fail to Achieve Their Goals(4:17) – How Your Brain Files Goals (and Why That's a Problem)(6:15) – Replace Goals with “Future Memories”(8:42) – The Secret Ingredient Your Motivation System Is Missing(11:42) – The Hidden Link Between Burnout and Goal Obsession(14:23) – Incentives vs. Motivation: What Actually Drives Action(17:29) – How to Rewire Your Brain with This Simple Reward Habit(22:01) – How to Reprogram Your Mind to Manifest Desired OutcomesLearn more at ⁠⁠⁠⁠www.UPGRD.com⁠⁠⁠

Most insurance producers don't make it past year three.Wells Gunn did…and built a thriving, specialized book in the independent grocery industry.In this powerful episode of Getting Past the Premium, host Elliot Bassett sits down with Wells to unpack the exact mindset, process, and strategies he used to go from cold-calling 100 prospects a week……to leading a national risk practice for Houchens Insurance Group.No gimmicks.  No fluff.  Just the hard-earned truth about what it really takes to win in this business.You'll learn:✅ Why most producers quit (and how to avoid it)✅ How to turn a niche into a $1M+ growth engine✅ The role of mentors, repetition, and proprietary process✅ The difference between quoting insurance… and being hired as a true advisor✅ Why the best producers never stop cold calling — they just evolve itWhether you're a new producer, a sales leader, or building a growth-first agency, this is the blueprint for long-term success in commercial insurance.

The following guest sits down with host Justin White:•   Adrian Webb - Sr. Loan Officer, Milestone Mortgage SolutionsHow to Leverage Your Time and Build Your Business Through Strong ConnectionsAdrian Webb is one of the top mortgage loan originators in the country. Even though his loan volume has increased over the years, his sales activities have stayed the same. Why do mortgage brokers have to stay connected to their referral sources regardless of how much business they're doing? Tune into episode #99 of Good. Better. Broker. to find out how Adrian maximizes his schedule and holds himself accountable.In this episode of the Good. Better. Broker. podcast, you'll learn how to leverage your time to build new relationships and further existing ones.In this episode, we discuss ...•   1:30 – Adrian's approach to relationship management•   3:06 – why Adrian's activity level never changes •   4:41 – how Adrian measures his activity•   6:03 – interacting with clients in person vs. virtually•   6:48 – the importance of working on the weekend•   7:52 – making sure people know what you do•   10:12 – lunch meetings vs. open houses•   12:51 – using metrics to define success•   14:20 – Adrian's definition of a perfect week•   15:44 – how to not be overly salesy to agents•   17:43 – getting people in the community to think of you for their home loanResources mentioned in this episode:Real Producers Magazine Show Contributors:Adrian WebbConnect on LinkedIn Connect on Facebook Connect on InstagramAbout the Host:Justin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. A seven-time Emmy-award winner, Justin is a graduate of the S.I. Newhouse School of Public Communications at Syracuse University. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook •   LinkedIn •   Instagram •   Twitter •   YouTubeHead to uwm.com to see the latest news and updates.

Chris Hamilton is a finance expert with 15 years of experience, on a mission to expose how the healthcare system is stealing from the middle class. Chris uncovered a harsh reality: insurance brokers and companies have zero incentive to lower your costs. Brokers even make commissions on rising premiums, sometimes earning bonuses for keeping prices high. The Affordable Care Act, rather than boosting competition, turned healthcare into big business. What was once a market of 12-13 insurance companies has now consolidated to just 4 major players, dominating the industry. With fewer choices and rising costs, the average family is paying $24k in premiums annually, plus another $5-6k out of pocket—all while the healthcare giants profit. That money, which should be building the American dream—going toward college savings, a home, or retirement—is being swallowed by a broken healthcare system. For the middle class, these rising costs are an invisible thief, robbing families of financial security. Hotchkiss Insurance: https://hotchkissinsurance.com/ Today's Sponsors: Black Rifle Coffee: https://blackriflecoffee.com Truewerk: Check out the full lineup and get 15 percent off your first order at https://TRUEWERK.com/clearedhot.  

As the market switches from digital prime to AI prime, brokers are faced with a challenge. In this special episode of Broker Daily Uncut, data and AI executive Silvio Giorgio and CEO and managing director of Borg Financial, MyVirtualBroker, and Raine&Horne Shoreline, Christopher Borg, discuss AI and its impact on modern lending. AI will replace jobs, but remaining on the front foot and leveraging this tech to drive momentum will separate the industry. While the need for human connection will remain, the state of broking as we know it is at an inflection point. Both Giorgio and Borg are keynote speaker at the Broker Innovation Summit on 25 June. To secure your tickets now, click here.

In this video, I break down the critical insurance mistakes that destroy most jet brokerage careers before they even get started. From demo flight disasters to coverage gaps that leave you exposed, I'll show you exactly what to watch out for and how to protect yourself.**What You'll Learn:**✈️ The 4 biggest insurance mistakes that end brokerage careers✈️ Why "facilitating transactions" has serious legal implications✈️ Demo flight coverage - what's actually protected and what isn't✈️ How to avoid dangerous coverage gaps during closing✈️ E&O insurance essentials every broker needs to know✈️ Real stories of claims that were denied (and why)✈️ Cost breakdowns for different types of aviation insuranceWhether you're a new broker or experienced professional, these insurance gotchas can catch anyone off guard. Don't let a simple oversight destroy everything you've worked to build in your aviation career.**FREE RESOURCES:**

In this latest episode of Business Accelerator, host Phil Tarrant and co-host Jason Back discuss the often-complex industry that is broking, giving a bird's eye overview of the opportunities and challenges. For brokers looking to grow their businesses, Back emphasises the importance of operational excellence and the need to balance personal exertion with sustainable practices. He also discusses the role of consultants in helping brokers navigate these challenges, providing accountability and support to drive meaningful change. Technology continues to shape the industry at a rapid pace. Brokers who want to remain ahead of the tech revolution must adapt to these changes. The ongoing need for trusted partnerships in financial decision making remains crucial, even as technology continues to transform the industry.

In this episode of Brokers of Secrets, William Lam and Ken Adams explore how scarcity is not a financial condition but a subconscious program you can rewrite. Learn how shifting your mental framework around time, money, and self-worth creates more energy, freedom, and flow. You will discover how designer programs replace stress with clarity, and how to build lasting abundance by changing your inner reality first.Ken Adams returns to share high-level strategies used by elite performers to rewire mindset and multiply results. From paying bills to buying cars to navigating daily pressure, his stories show how simple mental shifts unlock real growth. If you want practical tools to escape survival mode and step into abundance, this conversation is your starting point. Chapters:(00:00) Introduction(01:24) Ken's Expertise in Mental Programming(06:31) The Power of Future Vision vs Anxiety in Success(08:22) What is a Mental Program? Facts vs Beliefs Explained(11:46) Taking Thousand-Percent Responsibility: Redefining Response Ability(18:13) Emotional States and Mental Programs: Why Control Alone Fails(23:50) Fertility and Mental Programs: Scarcity vs Possibility(29:46) Deserving Success and Love: The Newborn Analogy(36:02) Altered States and Mental Reprogramming: Beyond Psychedelics(44:42) Ecology of Change: Ripple Effects Across Life Domains(49:55) Extreme Case Study: Reprogramming and Life Transformation(55:33) Distinguishing Mental Programs, Beliefs, and Doubts(57:54) Closing ThoughtsLearn more at ⁠⁠⁠⁠www.UPGRD.com⁠⁠⁠

Selling a fitness business involves more than just finding a buyer. Many gym owners make costly errors that delay sales or reduce their business value. Learn the most common mistakes to avoid for a smoother, more profitable sale. Visit https://www.wesellgyms.com/sell-your-fitness-business/exp/ for more info. We Sell Gyms City: Austin Address: 4515 Menchaca Rd Website: http://www.wesellgyms.com

Whether you're an aspiring or experienced freight broker, listen to this episode with our returning guest from Rocket Shipping, Gabe Pankonin, as he shares his expert insights on upcoming NMFC code changes! Gabe explains how the NMFC changes could represent a significant shift in transportation, the opportunities for brokers to provide proactive analysis, and more about cold calling success, resolving operational challenges, and understanding the impact of class changes!   About Gabe Pankonin Gabe Pankonin has always had a knack for sales and relationships - a skillset that has led him to run a successful, fast-growing freight startup in the industry. After several years servicing E-comm companies moving big and bulky freight, one painful reality set in: Brands had the marketing skills to grow quickly, but they were NO match for outdated LTL shipping solutions. Gabe saw this issue plaguing the LTL space...that as shippers get bigger and start to handle more shipments, half of their business turns into the logistics of just getting things to people's homes Which is why he started Rocket Shipping; Mid-Market Managed Transportation! Rocket's Core Values are an extension of Gabe's deeply held beliefs. Faith, Family, Joy, Grit, and Integrity. Ultimately, the goal Gabe set for Rocket has and always will be to build predictable and repeatable revenue and to impact the people who work with and at Rocket Shipping for many years to come!  

On the Insurance Coffee House podcast, host Nick Hoadley welcomes Adrian Copland, Chief Operating Officer of Ledgebrook, a rapidly scaling, tech-enabled specialty MGA in the U.S. ENS market.Adrian shares his journey from consulting and operational leadership at Catlin and AXA XL to co-founding Ledgebrook alongside Gage Caligaris, an actuary with bold ambitions to rebuild insurance from the ground up.He explains how Ledgebrook is reimagining broker service and underwriter enablement by combining deep insurance expertise with scalable technology. With over 100 employees globally and three core products: General Liability, Professional Lines, and Unsupported Excess. Adrian outlines how the MGA is using AI and internal systems to serve brokers faster, without forcing them to change their buying habits.He also discusses the company's unique remote-first, no-bonus culture, its commitment to continuous learning, and why Ledgebrook is attracting top talent who want to help build something meaningful.For insurance professionals considering a move into InsurTech, Adrian shares what qualities make someone a great fit for startups and how to assess your own readiness to make the leap.Connect with Adrian on LinkedIn or explore opportunities at Ledgebrook.The Insurance Coffee House Podcast is brought to you by Insurance Search.We are a global Insurance Executive Search Consultancy, supporting Insurance and Insurtech businesses to attract and retain the very best insurance talent.Find out more about showcasing your employer brand as a guest on the Insurance Coffee House Podcast or sign up to our News and Insights.Or follow us on LinkedIn, Twitter or Instagram.Insurance Executive Search Consultants in USA, London and Bermuda.Copyright Insurance Search 2025 - All Rights Reserved.

What would elite brokers do differently if they had their time again? To find out, we asked some of our Elite Broker guests their top advice for new brokers. In this episode of Elite Broker, we've compiled some of the top tips for success from recent guests on The Adviser's Elite Broker podcast. Tune in to find out: What they think is the key to their success. What they wish they knew when they first started. How new brokers can hit the ground running. And much more!

This week on Taking Care of Business, Chairman Lewis Allsopp is joined by Private Office Advisor Charlie King inside one of his exclusive listings in Al Barari.Together, they dive into the evolving luxury property market, how developers are raising the bar to meet the demands of high-net-worth individuals, why reports of a 15% market drop are misleading, and why they believe prices in Dubai's luxury real estate sector are set to continue rising.This episode is a must listen if you want an insight into one of Dubai's most exclusive markets and to find what billionaires are really looking for in their homes.00:00 Introduction00:15 Discussing the Luxury Market01:33 Exploring the Property04:59 The Importance of Space and Design11:02 Community and Amenities13:40 Luxury Market Trends and Insights17:11 The Role of Brokers in Real Estate17:21 The Importance of Exclusive Listings17:53 Negotiation Strategies in Real Estate18:26 Supply and Demand in the Real Estate Market19:16 Upcoming Real Estate Projects21:33 Investment Strategies and Risks24:19 The Future of the Luxury Real Estate Market27:37 Population Growth and Housing Supply28:49 The Appeal of Living in Dubai32:33 Market Perceptions and Realities35:24 Conclusion and Final Thoughts Hosted on Acast. See acast.com/privacy for more information.

Host Piya Chattopadhyay speaks with defence and security experts David Perry and Stephen Saideman about how Canada should prepare for less U.S. involvement on the world stage, Julia Pagel explores how tariffs are causing chaos for customs brokers, The Atlantic's David A. Graham outlines how Project 2025 is reshaping U.S. policy, and Molly Jong-Fast discusses her new memoir about her relationship with her famous feminist novelist mother, Erica Jong.Discover more at https://www.cbc.ca/sunday

America was a slave society and its involvement from the Trans Atlantic Slave Trade to the Domestic Slave Trade might be known, but the details are often overlooked. The Slave Traders or Brokers were the core and very foundation of the economic engine that kept slavery going. But, how was it done? Who were the Brokers? What type of people were they?

In this episode of the Industrial Advisors podcast, hosts Matt McGregor and Bill Condon are joined by Kyle Back and discuss their innovative software, WarmCaller. This tool is designed to make cold calling more efficient by leveraging AI technology to gather and rank relevant news articles overnight, providing timely and specific leads for outreach. They explain how WarmCaller integrates with databases like Salesforce and HubSpot, scrapes through news sources, and customizes rankings and email drafts based on user preferences, ultimately boosting brokers' effectiveness and differentiation in the market.   00:00 Introduction to Cold Calling 00:46 Welcome to the Industrial Advisors Podcast 00:57 The Concept of WarmCaller 02:18 How Warm Collar Works 03:45 Customizing WarmCaller for Your Needs 04:41 AI Integration and Efficiency 05:29 Conclusion and Demo Invitation   You can find every episode of this show on Apple Podcasts, Spotify or YouTube, For more, visit industrialadvisors.com

In this episode of The MHP Broker's  Tips and Tricks podcast, Maxwell Baker, president of The Mobile Home Park Broker, briefly interviewed company broker Jeff Dodge regarding his closing of an expansive Tallahassee, Florida mobile home park. As with every Tips and Tricks podcast episode, this one is brought to you by The MHP Broker's proprietary Community Price Maximizer. Use this four-step system to get the highest price possible for your mobile home park or RV community when you sell it through The MHP Broker. Guaranteed. Call Max for details. Here Are the Show Highlights: Jeff explained that one potential challenge to this Tallahassee Mobile Home Park Estates deal was that the owners lived in another state and weren't present during most of the transaction. In fact, it was their physical distance from the park that motivated their decision to sell, and to invest the proceeds closer to their home. (Jeff, 1:04) This transaction proves the point that The MHP Brokers can transact a sale whether or not the owners are present, from running drones to calculate footage to handling the underwriting and all contact with buyers. (Max, 1:278) The park had 90 percent occupancy, with 20 lots on about 15.5 acres. There were 11 tenant-owned homes and 8 park-owned homes, with one unoccupied home and one vacant lot. Being part of the thriving major city of Tallahassee and having city water and paved roads throughout, and plenty of room for expansion on those fifteen city acres, there was a lot of buyer interest. As a result, there were multiple offers, and the one they went with was a buyer who owned other parks in the area, and the brokers had worked with him in the past. The buyer was able to get bank financing, and the deal closed promptly. (Jeff, 2:06) Well, there was one little hitch. A lawyer forgot to include his fee, so MHP Broker had to do a little price haggling at the end. That proved a little harrowing for a while, but it all worked out fine in the end. (Max, 2:58) What Jeff learned (or relearned) from the transaction was that unforeseen issues can come up at any time. Sometimes you have to be creative, but the issues can all be dealt with if you think it out, and the transaction caan close to everyone's satisfaction. (Jeff, 3:30) The Mobile Home Park Broker won't let your deal go south. They've got tons of experience keeping deals on track and closing to the satisfaction of all parties. And you don't even have to be on the scene while they handle your transaction. So reach out to Jeff Dodge, Max Baker or other team members  at The MHP Broker, (678) 932-0200. Or drop them a line at info@themhpbroker.com. Power Quotes in This Episode: “We had a little bit of drama at the closing when one of our attorneys forgot to add his fee, so we had to negotiate that out a little bit. Everybody got a little fluffy-tailed, but ultimately, Jeff was able to do the negotiation and get that closing. So yeah, it was a little scary there at the end, because everybody was getting all up in hands about it, but we were able to get it done.” (Max, 2:58) “Even though issues can arise any time up until closing…we can always find a good resolution and…sometimes we have to get creative. You know, those things can come up at any point and you have to be ready to overcome (them).” (Jeff, 3:30) “I'll just say that we're able to get to the finish line, and both parties were happy with the outcome eventually, and (to) everybody out there listening, we typically can find the right buyer for you. So, just give us the opportunity.” (Jeff, 3:58) “We can get funding. We can find the buyer. We can make the experience white-glove for you (the seller).”  (Max, 4:07)

Discover how NEMT brokers are revolutionizing healthcare transportation in this informative video. We explore the critical role of on-time medical transportation in reducing missed appointments that cost the healthcare system billions annually. Learn about the complex challenges brokers face as intermediaries between passengers, providers, and healthcare facilities, from finding reliable contractors to managing unpredictable factors like traffic and no-shows. Find out how modern software solutions are replacing outdated manual systems to ensure punctual service, better health outcomes, and efficient operations.Subscribe for more informative guides!

In this episode of Brokers of Secrets, William Lam uncovers how your subconscious programs quietly dictate your emotions, habits, and results. These are not just beliefs but internal “facts” that shape your entire life experience. You will learn how future vision impacts performance, how to dismantle mental limits, and why success depends on reprogramming the identity behind every action. This conversation offers clear, actionable tools for personal transformation rooted in real neuroscience and spiritual clarity.Ken Adams, Director of Student Success at UPGRD and expert in NLP and behavioral change, joins to share real stories of radical transformation. His insights into anxiety, self-worth, emotional states, and inner language give you a direct map to shift from fear to freedom. If you want to create lasting change from the inside out, this conversation delivers the framework and fuel to start now. Chapters:(00:00) Introduction(01:24) Ken's Expertise in Mental Programming(06:31) The Power of Future Vision vs Anxiety in Success(08:22) What is a Mental Program? Facts vs Beliefs Explained(11:46) Taking Thousand-Percent Responsibility: Redefining Response Ability(18:13) Emotional States and Mental Programs: Why Control Alone Fails(23:50) Fertility and Mental Programs: Scarcity vs Possibility(29:46) Deserving Success and Love: The Newborn Analogy(36:02) Altered States and Mental Reprogramming: Beyond Psychedelics(44:42) Ecology of Change: Ripple Effects Across Life Domains(49:55) Extreme Case Study: Reprogramming and Life Transformation(55:33) Distinguishing Mental Programs, Beliefs, and Doubts(57:54) Closing ThoughtsLearn more at ⁠⁠⁠⁠www.UPGRD.com⁠⁠⁠

What happens when a husband and wife decide to bet big on each other and on commercial real estate?In this episode of Commercially Speaking, Bo and Timmy sit down with Brent and Amy Miller, the couple behind Synergy Investments, to unpack how they've built more than just a successful firm—they've built a place people never want to leave.

The following guests sit down with host Justin White:•   Nancy Aguirre - Your Better Mortgage•   Shane Ouimet - Better Rate Mortgage•   Linus Thalman - Golden Mortgage•   Fannie Mae West - Optist, Inc.•   Nathanael Perez - LEN Financial Services•   Frank Coto - Lincoln Lending GroupUWM Live! Attendees Join us to Talk About How They're Generating BusinessFor the fourth year in a row, thousands of independent mortgage brokers gathered in Michigan for the biggest mortgage event of the year, UWM LIVE! In part 2 of this special episode, we catch up with mortgage professionals from around the country to find out how they're leveraging technology, social media and more to bring in business.In this episode of the Good. Better. Broker. podcast, you'll hear interviews from the fourth annual UWM LIVE! event in Michigan.In this episode, we discuss ...•   0:35 – interview with Nancy Aguirre•   8:05 – interview with Shane Ouimet•   19:36 – interview with Linus Thalman•   31:34 – interview with Fannie Mae West•   41:53 – interview with Nathanael Perez•   49:46 – interview with Frank CotoShow Contributors:Nancy Aguirre LinkedIn, Instagram, Facebook Shane OuimetLinkedIn, Instagram, FacebookLinus ThalmanLinkedIn, Instagram , Facebook  Fannie Mae WestLinkedIn, Instagram, FacebookNathanael PerezLinkedIn, Instagram, FacebookFrank CotoLinkedIn, Instagram, FacebookJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM. Connect with Justin on LinkedIn, Instagram, or Twitter Connect with UWM on Social Media:•   Facebook •   LinkedIn •   Instagram •   Twitter •   YouTubeHead to uwm.com to see the latest news and updates.

Want to Sell Your Business Someday? Don't Screw It Up Now If you're hoping to sell your business in the next 1–3 years, this episode could save you a ton of money and heartache. I sat down with Brett Bawden and Tony Moon from Peak Biz Brokers & Advisors to talk through the biggest mistakes owners make before trying to exit — like hiding profits to save on taxes (which can cost you six figures later), doing everything yourself, and waiting way too long to get help. They also break down what makes a business actually sellable — and why most never make it to the finish line. Bonus: they're offering a FREE business evaluation just for our listeners. Call: 208-244-4666 This one's full of gold if you ever want to sell, buy, or build a business that doesn't fall apart without you.   If you are feeling the love, make sure to subscribe, rate, and review on iTunes, Spotify, YouTube, or wherever you are!! If you'd like to be featured on an episode go to theidahobusinesspodcast.com to APPLY! Apple Podcasts Spotify YouTube   General Business & Exit Strategy #BusinessOwnerLife #ExitStrategy #SellYourBusiness #BusinessForSale #BusinessValuation #SuccessionPlanning #EntrepreneurLife #SmallBusinessTips #BizOwners

When the restaurant industry shut down in 2020, Jason Small pivoted—hard. With zero experience and a license freshly printed, he entered the mortgage world during one of the most chaotic economic periods in recent memory. Today, he's on track for 75+ deals this year, has doubled his business two years in a row, and—most impressively—helped co-create a lean, scalable operations model with two other brokers from across the country. In this episode, Jason breaks down how they built a shared infrastructure, hired a full-time underwriter, and standardized their systems to deliver high-touch service while freeing up time for life (and vacations!). This is a behind-the-scenes blueprint for sustainable growth—and a must-listen for any service-based entrepreneur looking to scale smart, not just fast. Important Links Grow your repeat and referral business with Ownwell  Join Scott's 3:2:1 Newsletter  Follow Scott on Instagram   

Season 11 of Broke-ish is here! Amber and Erika are back for a new season, and they're kicking things off by bringing the Brokers up to speed about what went down during the break. After the shenanigans, the duo laid out their vision for Season 11 and how Season 10 inspired its format. Season 10's episodes were based upon debunking the ever plentiful myths and misstatements of our most infamous guest: John Hope Bryant. Like Season 10, this new season will be centered around a central figure, but it will be in celebration and pursuit of his ideals instead of debunking them. Malcolm X spent his life opposing White Supremacy and capitalism and left a Black Radical framework for the pursuit of liberation. We'll explore how Minister Malcolm's work informs our current pursuit for Black unity and the fight against systemic anti-Blackness. Tune in to get the blueprint!

On Friday, President Donald Trump is planning to hold a rally in West Mifflin, Pennsylvania celebrating his administration's negotiated merger between Japan's Nippon Steel and U.S. Steel which will keep steel manufacturing in Pittsburgh, PA. In response to the agreement, Governor Josh Shapiro (D-PA) conceded: “it is a big f***ing deal.”

Alle Jahre wieder stehen zahlreiche Anleger vor der Herausforderung, ihre Gewinne, Verluste, Dividenden und Quellensteuern aus dem Depot eines Auslandsbrokers korrekt in der Steuererklärung anzugeben. Gerade wer über internationale Anbietern handelt, kennt das Problem: Kontoauszüge sind oft seitenlang und wenig übersichtlich, steuerliche Besonderheiten erschweren die Zuordnung. Mit dem Performancebericht von CapTrader gibt es eine Lösung, die Zeit, Nerven und bares Geld spart. Wie das funktioniert, worauf zu achten ist und welche Vorteile sich daraus ergeben, erläutere ich in diesem Beitrag. Der Sponsor dieser Podcastfolge ist CapTrader. Als treuer Kunde profitiere ich seit vielen Jahren von den günstigen Preisen, dem riesigen Wertpapierangebot und dem hervorragenden Service des Brokers. Gemeinsam haben wir daher ein besonderes Paket zur Depoteröffnung geschnürt. Ab sofort erhalten alle Neukunden ein Gratisgespräch mit mir zu einem Finanzthema ihrer Wahl – exklusiv über meine Partnerseite:

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. ************************

In this episode of Brokers of Secrets, William Lam reveals how your brain filters the world through a narrow lens shaped by subconscious programming, past experiences, and limiting beliefs. Most people live within these invisible boundaries, never realizing that their so-called “reality” is completely malleable. But once you understand the mechanics of your perception, you can consciously shift your mindset, unlock abundance, and begin designing a life that reflects your true potential.William breaks down the “design and resolve” method: a transformational process for reprogramming your internal filters. You'll learn how to clearly define what you want across health, relationships, and purpose, and how to resolve the emotional resistance and feelings of unworthiness that block you from alignment. From activating your Reticular Activation System (RAS) to recognizing emotions as signals for growth, this episode gives you practical tools to move beyond scarcity thinking and build a life of intentional, holistic abundance. Ready to stop reacting and start designing?Chapters:(00:00) – Introduction(02:12) – The Hidden Filters That Shape Your World(04:06) – How Your Programming Limits or Expands Possibility(07:43) – Design & Resolve: A Two-Step Formula for Real Change(09:33) – Breaking Free from Scarcity Mindsets(11:19) – Mental Prisons: Why You Feel Stuck (and How to Escape)(13:56) – Don't Just Do More - Design a New Blueprint(15:11) – The Power of Clarity in Redefining Your Life(18:51) – Reticular Activation: How Your Brain Finds What You Focus On(20:32) – Emotions Are Messengers: Listen and Shift(25:11) – Identity Work: Becoming the Person Who Lives Your Vision(26:24) – You Are the Author of Your Reality(27:02) – Closing: Step Into a Life by Design

The Trump administration promised to strip transportation regulations if it doesn't hurt safety – and that effort appears to have begun. Also, SuperRigs kicks off Thursday, May 29 in Atlanta. Then, many people don't know what cabotage is, but it's an important issue that can affect the rates you get. And fewer loads and more trucks are being seen on the spot market for week 20. 0:00 – Effort to cut regulations is underway, in a big way 10:05 – SuperRigs is this weekend – here's what you can expect 24:32 – Cabotage – what it is and why you should care 39:32 – Truckstop says fewer loads on the roads this week

In this episode of Financial Safari, Coach Pete and the team tackle the outdated financial advice still haunting retirement plans today, from misguided savings habits to overhyped homeownership. They break down why relying on old-school strategies—like blind trust in employer loyalty or generic income rules—can sabotage your future, and they back it up with real-world stories, including historical blunders from none other than Sir Isaac Newton. Along the way, they expose some shockingly bad behavior by so-called “experts,” making the case for second opinions, smart planning, and staying flexible in a fast-changing financial world!See omnystudio.com/listener for privacy information.

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

This podcast episode dives into how much loan brokers earn, a frequent question for those looking to boost their income or start a new business. Leo Kanell, an entrepreneur who built three multi-seven-figure businesses, shares secrets, strategies, and tactics for success, emphasizing that anyone can create their dream business. He shares personal case studies, including an early deal that netted $25,000, and a recent example from a colleague who made $22,000 on a single deal. Leo also discusses the shift in his own business to focus on startup funding, which proved to be a game-changer, leading to a $40,000 month and eventually a $100,000 month within seven months. He highlights the vast opportunity in funding startups and small businesses, as banks often overlook them. The episode introduces the "Funding Machine," a system developed over a decade to help small business owners and startups secure 0% interest funding. Listeners interested in seeing a demo of this system can access it through a provided link. The core message is that loan brokers can do very well by helping small business owners, provided they have the right system. For More Info: https://www.myfundingmachine.com/

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

This week, Nick is breaking down why so many food brokers fail early on — and what you can do to avoid the same mistakes.It's not about bad sales skills. The real issues come from not understanding how to run the business side of a brokerage. Drawing from real-world experience, listen as Nick unpacks the five critical mistakes that often lead to early failure in the food brokerage industry.TIMESTAMPS00:00 - Intro00:36 - Struggles of New Food Brokers05:08 - The Five Biggest Mistakes Brokers Make08:00 - Navigating Manufacturer Relationships in Food Service10:21 - Key Strategies for Broker SuccessRESOURCESPortillo SalesCONTACT Nick: nick.portillo@portillosales.com

Are you drowning in customs documentation? Today we welcome Jack Moberger and Ned Cartmell from DocUnlock—two tech innovators transforming how global trade professionals handle mind-numbing paperwork. Key Insights for Importers, Exporters, and Logistics Professionals: - How AI is revolutionizing customs entry writing - Reducing manual errors in international shipping documentation - Turning tedious data entry into strategic customer relationships

The following guests sit down with host Justin White:•   Jim Clarke – Equity Lending Group Powered by Lending Heights•   Dustin Owen – The LO Podcast•   Eric Vaca – Finest City Homes & Loans•   Nichole Abraham and Candace Swanson – Home Team Mortgage•   Carlos Scarpero – Edge Home FinanceUWM LIVE! Attendees Join Us to Talk About How They're Generating BusinessFor the 4th year in a row, thousands of independent mortgage brokers gathered in Michigan for the biggest mortgage event of the year, UWM LIVE! In Part 1 of this special episode, we catch up with mortgage professionals from around the country to find out how they're leveraging technology, social media and more to bring in business.In this episode of the Good. Better. Broker. podcast, you'll hear interviews from the fourth annual UWM LIVE! event in Michigan.In this episode, we discuss ...•   0:33 – Jim Clarke interview•   8:23 – Dustin Owen interview•   19:52 – Eric Vaca interview•   29:20 – Nichole Abraham and Candace Swanson interview•   45:40 – Carlos Scarpero interviewShow Contributors:Dustin OwenLinkedIn, Instagram or FacebookEric VacaLinkedIn, Instagram or FacebookNichole AbrahamLinkedIn, Instagram or FacebookCandace SwansonLinkedIn, Instagram or FacebookCarlos ScarperoLinkedIn, Instagram or FacebookJim ClarkeLinkedIn, Instagram or FacebookJustin White is UWM's in-house brand journalist and the host of the daily news video, Inside Pass. He creates engaging content across multiple platforms to promote the benefits of the wholesale channel and partnering with UWM.Connect with Justin on LinkedIn, Instagram or TwitterConnect with UWM on Social Media:•   Facebook•   LinkedIn•   Instagram•   Twitter•   YouTubeHead to uwm.com to see the latest news and updates.

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. *******************

Most people prepare for hardship—but what about success? In this episode of Brokers of Secrets, we explore why enduring pleasure can be just as challenging as overcoming adversity.When life finally goes your way, why does it sometimes feel uncomfortable? In this episode, we challenge the notion that success is easy to handle. While most people focus on overcoming hardships, few recognize the hidden challenge of maintaining an abundant mindset when things are going well.Our guest dives into the subconscious programming that causes us to self-sabotage in good times, explaining why old beliefs can resurface and disrupt your progress. You'll learn how to break these patterns, keep your mindset on track, and consistently thrive—even when success hits.Get ready to discover practical strategies to recognize limiting beliefs, reframe your mindset, and develop the emotional consistency needed to sustain growth and fulfillment.Chapters:(00:00) Introduction(01:56) Who's in Control? You or Your Circumstances?(03:17) Emotions, Manifestation, and Mental Command(05:16) Money Beliefs That Quietly Sabotage You(10:27) Mindfulness Without Judgment = Transformation(11:38) Childhood Programming and Financial Triggers(14:03) Emotional Frequency: Your Reality Mirror(16:00) Why Consistent Abundance beats Fleeting Wins(19:13) Lessons from Entrepreneurship(21:06) Real Power Comes from WithinLearn more at ⁠⁠⁠⁠www.UPGRD.com⁠⁠⁠

Welcome back to America's #1 Daily Podcast,  featuring America's #1 Real Estate Coaches and Top EXP Realty Sponsors in the World, Tim and Julie Harris. Ready to become an EXP Realty Agent and join Tim and Julie Harris?  Visit: https://whylibertas.com/harris or text Tim directly at 512-758-0206. *******************